There is no doubt in the fact that debt and mental health have a direct link. It is also know that both may affect each other. It is important that you know about the link so that you can work on it. Follow the advice of professional debt advisors and even the health care professionals who might help you in this regards by a significant margin. There are several different approaches that you can take up to deal with your debt that is slowly becoming unmanageable and affecting your health, both physically and mentally.
In order to deal with your debts just as those people living happily with debts do, you can create and use a fact sheet. This fact sheet will help you in ways more than one such as:
- Help you to find out how your debts and mental health are affecting each other
- Make proper decisions as to whether or not to let your creditors know about it as well as the mental health issues that you are experiencing
- Choose between the variety of options that are available to you at NationaldebtRelief.com and several other similar sites to deal with your debts and
- Comprehend when you should use the Debt and Mental Health Evidence Form or DMHEF to deal with your debts and tell your creditors about the ways in which debt is affecting your mental health.
In short, this fact sheet and the knowledge you derive from it will significantly help you to manage your money, debts, financial and in turn your mental health.
Knowing about the links
In order to know about the link between your debt and mental health you will need to look a little deeper into the matter. According to stats it is found that about one in every four adults experience such mental health issue in a given year and in most of the cases these adults admit that it is all due to stress because of their inability to manage their debt or debts.
All these mental health issues cover a wide range of symptoms and experiences that includes:
- Schizophrenia and many other conditions.
However, health issues due to debt such as physical illness may greatly vary from one person to the other as it depends on the biological factor and the variance in the immune system greatly.
- It is also found that these mental health issues due to debt can last for a short period of time but in many cases it is seen to last much, much longer.
- Moreover, such symptoms and experiences may change with the passage of time or it may even change from day to day.
At this point it is also very important for you to know that according to experts, experiencing any mental or physical health issue does not necessarily and automatically mean that the person is not being able to manage their finance or deal with their debt efficiently.
Nevertheless, such health conditions will make things much more difficult. This fact is substantiated by several researches and studies that show about 50% adults who typically are struggling with their debts suffer from mental as well as physical health issues.
Follow the advice
Therefore, now you are sure that being in debt and not being able to manage it properly may lead to stress and in turn several physical and mental health issues. Even if you are not experiencing any such issues as of now, soon things can change, and change drastically.
It is better that you meet with an expert debt counselor to know about all the ways in which you can deal with your debts. Though it is suggested to meet such an expert as soon as possible, it is never late if you still have not. You will come to know that:
- There are lots of different options available to deal with your debts proficiently and prevent being in bad health, physically and mentally as well.
- All you have to do is follow their advice of the experts for the best results and optimal peace in mind.
- There is no reason to feel embarrassed or nervous when you meet such an expert to discuss about your debt and health condition.
These professional will maintain absolute privacy and provide you with free, useful, proven and unbiased advice. They will not be judgmental and not divulge your personal and financial information to other people or organization.
Go back to your fact sheet and focus on the info gathered from it. Try specifically to find out the ways in which you can deal with your creditors in the best manner. If you cannot find any clue then these professional experts will come to your help once again by a significant extent.
- They will provide you with several online advice and analytical tools
- They can even do it by themselves and send tailored information and fact sheets along with sample letters to use to talk to your creditors
- They may even talk to other relevant people with your permission of course about your debt relief options and discuss matters.
Everything that they do or suggest will be tailored according to your financial health, your affordability, your current situation and your permission.
When you partner with these professional advisors the most important benefit that you will get is that they will provide you with a breathing space by asking your creditors not to contact you for some time, say about 30 days. In case you find later on that you need some more time to get things in order, they can also arrange for an extension.
Summing it up
However, the best way to deal with your debt and to prevent health issues is to contact your creditors and tell them everything about your condition. This will help you a lot during negotiations that may provide you with some relief from the pressure of your debts.
It is ideal that you keep track of your finance and debt so that you know the right time to establish a link with your creditors to break the link between debt and mental health.
Get a glimpse into the culture of South Africa’s Gen Z with the fascinating mini-docu series, Habits of Gen Z
M-Net invites families to engage in open conversations, challenge perceptions and celebrate connections as we get to know Gen Z’s perspectives, lifestyles, and motivations
Prepare yourself for an engaging adventure as we unravel the enigmatic world of Gen Z in this insightful mini-docu series,Habits of Gen Z. Premiering on M-Net (DStv Channel 101) on Thursday, 9 November 2023 at 21:00, this interesting exploration of Gen Z’s lives, influences, and aspirations fosters intergenerational dialogue and understanding.
Waldimar Pelser, M-Net’s Director for Premium Channels says: “This is a truly innovative and dynamic generation. Habits of Gen Z is a captivating docu-series that will challenge our perceptions and hopefully start a conversation that will foster understanding between different generations. It’s an eye-opening experience that will spark meaningful discourse within families. By bridging the gap through sharing this docu-series, as a channel we hope to encourage families to come together, learn from each other, and celebrate what connects us all.”
Throughout this riveting series, you can expect vibrant thought starters:
Episode 1: Raised By The Internet
Plunge headfirst into online culture, where Gen Z embraces the internet’s opportunities and challenges. This episode will unmask the digital realm and explore the intriguing topics of technology, cybercrime and how social media has shaped the way Gen Z sees the world and themselves.
Episode 2: Sex Exploration in the Digital Age
This episode is a thrilling journey into Gen Z’s ever-evolving exploration of relationships and sexuality in the digital realm. Witness the exhilarating highs and challenging lows as this generation navigates sex and intimacy complexities.
Episode 3: Substance Use & Abuse
Prepare to confront the realities of substance use and abuse as we delve into Gen Z’s encounters with drugs and alcohol. Peer into the hidden corners as Habits of Gen Z shines a light on the challenges faced by this generation, from illegal and prescription drugs to alcohol, smoking, and even psychedelic medicine.
Episode 4: Identity and Expression
Celebrate the vibrant tapestry of Gen Z’s diverse identities and expressions. Step into a world where LGBTQIA+ rights, ethnic and cultural identity, and the power of self-expression take centre stage. Marvel at the courage and resilience of this generation as they assert their individuality and challenge societal norms.
Episode 5: The End of the World… As We Know It
Discover Gen Z’s role in shaping the future. Examine the urgent issues of climate change, intersectional activism, and society’s evolving landscape. Witness firsthand how this generation is fearlessly taking a stand and leading the charge for a better world.
Directed by renowned South African filmmaker and former CNN journalist Jo Munnik, Habits of GenZ brings together a diverse group of voices and experts who share their insights and experiences. Engage with thought leaders such as Ronen Aires, founder and CEO of Student Village; Bronwyn Williams, Futurist and Business Trends Analyst; Dr. Eve, a leading Sexologist; Casey Delport, Gen Z Writer for Bubblegum Club magazine; Cassandra Roxburgh, Gen Z transgender freelance journalist; and Lindiwe Mngxitama, Editor of Bubblegum Club magazine.
Don’t miss the stimulating Habits of Gen Z premiere on Thursday, 9 November 2023 at 21:00 on M-Net (DStv Channel 101) – The Home of Entertainment. You can also live-stream on DStv Stream, and DStv Catch Up after broadcast. Visit the M-Net Website and join the conversation on Twitter, Instagram, TikTok and Facebook.
Starting Over After Loss of a Spouse or Divorce: Navigating Financial, Emotional, and Legal Challenges
The Emotional and Mental Struggle
Legal Processes of Divorce and Estate Winding-Up
Changes in Family and Social Relationships
Seven Crucial Tips on Starting Over!
What the Statistics Show About Reasons Online Casinos Are Growing Increasingly Popular in Ghana
Online casino gamblers have significantly increased in several African nations, including Ghana. In reality, iGaming operations have increased across the whole continent, particularly in South Africa and Ghana, which, along with Kenya, have the most lucrative and rapidly expanding iGaming sectors. Both sports betting and gambling at online casinos have grown considerably throughout African iGaming markets in contrast to the same industry just three years ago.
Putting the above in other words: Greater numbers of players began turning to online options rather than the more established brick-and-mortar casinos. The coronavirus epidemic was one of several factors contributing to the rise in the attractiveness of online casinos, as well as sports betting sites. Additionally, the extraordinary expansion of online casino gambling in Ghana and numerous other African nations has been fueled by cutting-edge technologies and a significant increase in digitization across the continent.
According to research conducted by the Ghanaian government, the number of young residents of the nation participating in online casino gambling behaviors has increased. The youth of Ghana gamble online, which constitutes one of the research topics that has received the least attention. The majority of research focuses on the connections between young people and work, development, education, and politics.
Another study on the gambling industry in Africa found that the following nations, in descending order, had the greatest numbers of gamblers:
- South Africa
According to this survey, Ghana is among the 10 nations, even eight nations, in Africa with the highest concentration of gamblers, which is not surprising given the country’s lax iGaming rules and regulations. While South African gamblers account for more than 80% of those who gamble on the gorgeous Savanna-filled continent, Ghana’s iGaming industry is one of the richest there.
Gambling in Ghana: What the Numbers Tell Us
Gambling is widely accepted in Ghana. As a result, it is estimated that 45% of people in the nation have gambled at some point. The country’s youthful population contributes to the growth of both sports and casino betting there. An estimated 30 million Ghanaians between the ages of 19 and 34 enjoy betting on casino games and sporting events.
The business that was launched as an outcome of the 1960 Lotteries Betting Act, the 1973 Gambling Machines Act, and the Casino Licensing Act appears to be flourishing at the moment. Ghanaians have access to a wide range of gambling activities, including sports betting, lotteries, slots, and bingo, according to officials of some of the best Ghanaian casino sites, which we contacted for expertise. This, together with the abundance of offline and online suppliers, indicates that the sector has enormous continued potential.
Both Online and Offline Casinos’ Home
Ghana is pleased to let operators of both brick-and-mortar and Internet casinos do business there. Numerous land-based casinos provide their patrons with additional alluring amenities like restaurants and swimming pools. There are several physical casinos located all around the nation. There are six physical casinos located in Accra, the country’s capital.
Gambling is common in Ghana and is not just found in physical locations. The web-based gambling and sports betting sectors are also booming. As a result, there are over 250 gambling portals operating in the nation, albeit most bettors only use a few of the most well-known ones.
The Effects of Gambling on Ghana’s Economy
In Ghana, sports wagering alone generates over $3.5 million in NGR (net gaming revenue) each month. About 17.5% of this is taken by the government in taxes.
A fresh set of regulations for the gaming sector is now being developed by the Ghanaian Gaming Commission with the goal of maximizing the revenue it generates. This project was inspired by the fact that the country is thought to lose out on about $300 million Ghana cedis (close to $26 million) in income each year due to leakages in the sector.
Ghana’s Online Gaming Industry’s Future
In five years, the gaming sector in Africa is predicted to increase between 5% and 12%, based on the most recent estimates. The popularity and accessibility of mobile gaming devices are the key drivers of the industry’s growth. Younger people gamble more on mobile devices, and African nations have the largest youth populations in the world. When it pertains to the prospects of Ghana’s online gaming sector, the country’s youth are crucial.
Ghana is home to several worldwide online casinos and sportsbooks, including Betway, 22Bet, 888 Casino, Casino.com, Mansion Casino, and Jackpot City. This implies that Ghanaian gamers have tremendous prospects provided by reputable, profitable, and long-standing international businesses. This implies that gamers from Ghana will not have any trouble locating a trustworthy online casino where they can enjoy playing conventional table games, slot machines, and other well-liked games.
The future of Ghana’s online gaming sector appears quite promising as more and more foreign companies develop their operations there. In Ghana, Kenya, Nigeria, and Uganda, where there are the most young people, the African online gaming market is anticipated to develop the fastest, according to a survey from Research and Markets, a trusted source of market data and stats. The most profitable online gaming market in Africa is located in South Africa. The country’s total gaming revenues are expected to hit the $2 billion level in two years, according to the most recent estimates.
In the sub-Saharan region, Nigeria has the most profitable market, based on projected gross gaming revenues for 2020. Tanzania and Kenya are two more African nations with favorable gaming conditions for foreign operators. The Ghana Gaming Commission, which oversees the majority of the country’s gaming operations, has been working extremely hard to provide a comprehensive iGaming regulatory framework. The Ghanaian online gambling sector is the most stable and is projected to develop, while not being the largest.
The gaming sector in Ghana has been affected by epidemic limitations, as with many other industries, particularly in terms of physical and mortar establishments. The popularity of Internet gambling is still quite strong, though.
Ghana is, as we stressed, already one of the top 10 gaming destinations in Africa, and this trend appears to be continuing. The country’s gambling industry is
Peace Hyde and WEF Young Global Leaders tour billion-dollar oil refinery established by Aliko Dangote
President and chief executive officer of the Dangote Group, Aliko Dangote has celebrated the Forum of Young Global Leaders (YGLs) and the tremendous potential of this unique World Economic Forum community to develop the next generation of African leaders from all parts of society.
The Young Global Leaders programme is an accelerator for a dynamic community of exceptional young people from all over the world with the vision, courage, and influence to drive positive change in the world. This year, British Ghanaian media mogul, Peace Hyde, joined this exemplary group of African change makers who are also part of the Aliko Dangote (WEF Africa YGL) fellows.
Now in the 12th year of collaboration with the WEF YGL programme, the Aliko Dangote (WEF Africa YGL) Fellows continue to represent the continent on the global stage and give back to their communities in a multiplicity of impactful ways.
The executive director, Dangote Industries, Fatima Dangote expressed happiness at the diversity and high proportion of female fellows in the 2023 Cohort, where the nine chosen YGLs represent the media/arts/entertainment, technology & innovation, health, and government sectors.
The ADF-YGL Lagos Convening which took place on September 8, 2023, was an excellent opportunity for the participating current and alumni YGL Africa Fellows to meet and interact with their patron, Alhaji Aliko Dangote.
According to Hyde, “I am deeply honoured to be part of this illustrious community of changemakers. The work Dangote is doing with the Refinery is inspirational and the sheer scale and impact of the facility will empower Africans for years to come.”
Animal Welfare League vaccinated 198 animals in Sokode Communities in the Volta Region to celebrate World Rabies Day in 2023
Animal Welfare League is an animal advocacy organisation dedicated to improving animal welfare in Ghana. They aim to address legislative challenges, uphold institutional and corporate responsibilities for better animal welfare, and develop policies to enhance community and public capacity for creating a better world for animals.
Animal Welfare League, in collaboration with the Veterinary Services Directorate in the Volta Region, identified a distressed community that had reported five suspected cases of rabies in animals. Unfortunately, the suspected animals were killed and disposed of before veterinary investigations could confirm the cases.
The Sokode area comprises five communities: Etoe, Ando, Bagel, Lokoe, and Gbogame, hosting the main campus of the University of Health and Allied Sciences with an estimated population of 40,000 people.
To celebrate World Rabies Day in 2023 with the theme “Rabies: All for 1, One Health for All,” Animal Welfare League collaborated with the School of Veterinary Medicine at KNUST and the Veterinary Services Directorate. They conducted a free rabies vaccination exercise and provided education on dog-bite prevention in four communities within the Sokode Area in the Ho municipality of the Volta region. Through this effort, 198 pets (124 dogs and 74 cats) were vaccinated against rabies.