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UBA Africa Day: all female panel lead conversation on why innovation is important for growth in Africa



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The fifth edition of the annual UBA Africa Conversations, which was hosted at the Tony Elumelu Amphitheater, UBA House on Wednesday, May 24th, 2023, commemorated this year’s Africa Day in honor of African Unity Day.

The theme for this year was “Innovating for Growth in Africa,” and the conversation was led by a panel of all-female professionals including; Abiola Bawuah, Executive Director/Chief Executive Officer of UBA Africa, Owen Omogiafo, President of Transnational Corporation (Transcorp) Plc, Hilda Baci, Award-Winning and Trend-Setting Foodpreneur/Chef, Banke Lawson-Kuku, and Folusho Gbadamosi, Business & Technology Executive.

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Speaking at the event on the importance of innovation, Abiola Bawuah, Executive Director/Chief Executive Officer of UBA Africa expressed what a significant innovation it was in the history of UBA and banking when she was selected as the first ever woman to be C.E.O. 

“In 2013 it was a strange idea for a woman to be C.E.O in Ghana. To be given the opportunity as a female is innovation by our group Chairman. After I was given the opportunity, I remember a lot of banks followed suit in Ghana. What has happened in UBA is complete innovation, changing the status quo, providing opportunities for the girl child,” she stated.

Read also: Africa Day: Award-winning titles to stream from across the continent, from Njoro wa Uba to Crime and Justice Lagos

Hilda Baci, award-Winning and Trend-Setting Foodpreneur/Chef, also expressed the importance of innovation in the food industry and encouraged people in the business to strive to not just be sustainable, but to be profitable.


“Food can be oil if we do it right,” she said.

Owen Omogiafo, President of Transnational Corporation (Transcorp) Plc, also outlined the amazing innovative ideas her company has taken over the years to improve and expand on their services.

The day ended with a closing remark from the Chairperson of UBA, Mr Tony Elumelu who thanked the entire UBA team for making the event possible.

Watch video of the event below;

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People & Lifestyle

What Happens if Someone Else Is Driving My Car and Gets in an Accident?



Eugene Osafo Nkansa ‘Nkonkonsa’ survives deadly car accident

Many car owners frequently encounter situations where they find themselves compelled to lend their vehicles to friends, family members, or acquaintances. This act of generosity can indeed be a helpful and convenient gesture, whether it’s to assist a loved one in need or simply to share resources. However, beneath the surface of this seemingly straightforward exchange lies a web of potential legal and financial implications that demand careful consideration. It’s imperative to gain a comprehensive understanding of what can transpire if the person behind your wheel gets entangled in an accident. In this post, we’ll delve into the multifaceted aspects of this scenario, shedding light on what typically unfolds in such situations. Moreover, we’ll provide invaluable insights and recommendations on how you can proactively safeguard both yourself and your cherished vehicle from unforeseen consequences.


When you willingly extend your vehicle to another individual, you embark on a journey that involves not only trust but also a certain degree of responsibility. While your intentions may be rooted in goodwill, it’s essential to recognize that lending your car comes with a unique set of challenges and potential consequences. From a legal standpoint, you may find yourself navigating a complex landscape that hinges on the circumstances of the accident, the parties involved, and the specifics of your insurance policy. These nuances could have profound implications for your legal standing, financial well-being, and peace of mind.


In this comprehensive exploration, we aim to demystify the intricacies of lending your car and unravel the layers of insurance coverage, liability issues, legal obligations, and documentation that come into play when someone else is driving your vehicle and an accident occurs. Our goal is to equip you with the knowledge and tools necessary to make informed decisions, mitigate risks, and ensure that your act of generosity remains a positive and stress-free experience for all parties involved. By delving into this topic, we empower you to navigate the uncharted territory of lending your car with confidence and preparedness, ultimately fostering a safer and more responsible driving culture within your social circles.


Insurance Coverage

Insurance Coverage is a fundamental aspect of financial planning and risk management. It provides individuals, businesses, and organizations with a safety net against unforeseen events and financial loss. This coverage typically involves an agreement between the insured party and an insurance company, where the insured pays regular premiums in exchange for protection and financial support in the event of specific incidents. There are various types of insurance coverage available, each designed to address specific needs and circumstances.


One of the most common forms of insurance coverage is health insurance. It offers individuals and families protection against the high costs of medical treatment and healthcare services. Health insurance policies vary widely, but they generally cover expenses such as doctor visits, hospital stays, prescription medications, and preventive care. This coverage is particularly crucial in countries without universal healthcare systems, as it ensures that individuals can access necessary medical services without facing crippling financial burdens.


Another essential type of insurance coverage is auto insurance. For drivers, auto insurance is not only a legal requirement in many places but also a vital financial safeguard. It typically provides coverage for damages to your vehicle and liability protection if you’re at fault in an accident, helping to cover medical bills and property damage for others involved. Auto insurance can vary significantly in terms of coverage levels and costs, so it’s essential to choose a policy that aligns with your specific needs and budget.



Property insurance, including homeowners and renters insurance, is crucial for safeguarding your residence and personal belongings. These policies protect against various risks such as fire, theft, vandalism, and natural disasters. Homeowners insurance covers the structure of your home and its contents, while renters insurance covers personal property within a rented space. Having the right property insurance coverage ensures that you can recover financially from unexpected events that could otherwise result in substantial financial losses.

Liability Issues

Liability issues in the context of insurance coverage are a critical aspect of understanding how policies work and the potential consequences of various situations. When someone else is driving your car and gets into an accident, these liability issues come into play, and they can have significant financial and legal implications.


One of the primary considerations in liability issues is determining who is at fault for the accident. If the person driving your car is responsible for the crash, their liability coverage, which is a component of their auto insurance policy, may be called upon to cover the damages. This typically includes the cost of repairing or replacing the other party’s vehicle and any medical expenses for injuries they sustained. If their liability coverage isn’t sufficient to cover the total costs, your insurance policy might kick in to cover the excess amount.



As the owner of the vehicle, you may also bear some liability in certain situations. While your insurance policy may cover the damages, it could potentially affect your premiums, especially if the accident was severe. Additionally, if it’s discovered that you knowingly allowed someone with a history of reckless driving or a suspended license to operate your vehicle, your liability may increase, and you could face legal consequences.


In some cases, liability for an accident may be shared between the driver of your car and another party involved in the collision. This can further complicate matters, as multiple insurance policies may be involved. It’s crucial to have a clear understanding of how liability is apportioned, as it can impact the settlement process and determine which insurance companies are responsible for covering specific costs.



Liability issues don’t only involve financial considerations but also legal ones. If someone is injured in the accident, they may pursue legal action against both the driver of your car and you as the vehicle owner. Having adequate insurance coverage is essential to protect yourself from potential legal liabilities and ensure you can provide compensation if necessary. If liability issues become complex or if there are disputes about who is at fault or the extent of damages, it’s advisable to consult with a car accident lawyer who specializes in insurance and personal injury cases. They can provide legal guidance, negotiate with insurance companies, and represent your interests if the matter goes to court.


In summary, understanding liability issues when someone else is driving your car and gets into an accident is crucial for both financial and legal reasons. It underscores the importance of having appropriate insurance coverage and responsible lending practices to minimize potential risks and ensure that you and others are protected in case of an unfortunate accident.

Uninsured or Underinsured Drivers

In some instances, the individual operating your vehicle may lack insurance coverage or carry inadequate insurance limits. Should they be deemed responsible for the accident, you may find yourself depending solely on your own insurance to address the incurred damages. To safeguard against these scenarios, it’s prudent to contemplate the inclusion of uninsured or underinsured motorist coverage within your insurance policy.



Uninsured or underinsured motorist coverage is a supplementary component that can provide vital protection in circumstances where the other driver involved lacks sufficient or any insurance. It can help bridge the gap between your expenses and the limited coverage of an at-fault driver, ensuring you are adequately compensated for losses in the event of an accident. By proactively adding this coverage to your policy, you strengthen your financial security and gain peace of mind, knowing you have an added layer of protection when someone else is driving your vehicle.

Legal Implications

When the person operating your vehicle becomes entangled in an accident, a web of legal ramifications can ensue, affecting both you, as the vehicle owner, and the driver involved. The aftermath of an accident is a complex and sensitive situation, and understanding the potential legal implications is essential.


Active cooperation with law enforcement officials is a foundational step in the process. When the authorities arrive at the scene, it’s imperative to furnish them with precise and truthful information regarding the incident. This includes providing an accurate account of what transpired, sharing necessary documentation such as your driver’s license, vehicle registration, and proof of insurance. Withholding or distorting facts could not only lead to legal complications, but may also result in criminal charges or fines. In some jurisdictions, failing to report an accident may carry legal consequences, underscoring the importance of immediate and accurate reporting.



Moreover, in complex cases or situations involving disputes, it is wise to seek professional legal counsel. Consulting with an attorney who specializes in personal injury and insurance matters can be invaluable. They can offer insights into your legal rights and responsibilities, guiding you through the intricacies of potential legal proceedings. Your attorney can advise you on how to communicate with insurance companies, negotiate settlements, and, if necessary, represent your interests in court. By engaging an attorney’s expertise, you can navigate the legal terrain with confidence and work toward achieving the most favorable resolution when someone else is driving your car and accidents transpire.


Understanding and addressing the legal implications of an accident involving your vehicle is paramount. Active cooperation with law enforcement, transparent communication, and seeking legal counsel when needed can help you protect your rights, mitigate potential liabilities, and ensure that the legal aftermath of an accident is managed effectively and in your best interest.


In the unfortunate event of an accident involving your vehicle and another party, comprehensive documentation becomes a crucial element in the aftermath. Your initial actions can significantly influence the claims process and legal proceedings if they become necessary.



First, take diligent steps to gather essential information. This encompasses not only details about the accident scene, but also particulars about the other driver involved. Secure their personal information, driver’s license details, vehicle registration, and insurance information. Additionally, if there are any witnesses to the incident, obtain their contact information and a brief statement of what they observed. The more comprehensive your documentation, the more robust your case will be in the event of insurance claims or legal actions.


Second, timely communication with your insurance company is paramount. As soon as possible after the accident, notify your insurer about the incident and provide them with all the gathered information. Prompt reporting allows your insurance provider to commence the claims process swiftly and can expedite the resolution of your case.


Meticulous documentation following an accident not only facilitates the claims process but also helps establish clarity and accountability. By ensuring you have comprehensive information about the accident, the other driver, and any witnesses, you equip yourself with the necessary tools to navigate insurance claims efficiently and address any potential legal issues that may arise. Remember that prompt and accurate reporting to your insurance company is a vital step toward resolving the situation effectively.



Lending your car to someone else can be a helpful gesture, but it’s essential to be aware of the potential consequences if they get into an accident. Understanding your insurance policy, considering additional coverage options, and being prepared for various scenarios can help you navigate these situations more effectively. Always remember to prioritize safety and responsible driving practices to reduce the risk of accidents in the first place.

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How to Choose the Right Criminal Defense Lawyer: A Comprehensive Guide



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Facing criminal charges can be a daunting and life-altering experience. Whether you’re accused of a minor offense or a serious crime, the importance of selecting the right criminal defense lawyer cannot be overstated. Your choice of legal representation can significantly impact the outcome of your case. To help you make an informed decision, here’s a comprehensive guide on how to choose a criminal defense lawyer.

Assess Your Needs

Assessing your needs before embarking on the search for a criminal defense lawyer is an essential initial step in securing the best possible legal representation for your situation. To effectively evaluate your needs, you should start by gaining a comprehensive understanding of the charges you are facing. Different criminal offenses have distinct legal elements and potential consequences, and knowing the exact charges against you is fundamental.


Once you’ve grasped the nature of the charges, it’s crucial to consider their severity. Are you accused of minor infractions that might result in fines and community service, or are you facing the possibility of incarceration? The seriousness of the offense will significantly impact the level of expertise and experience required in your defense attorney.



Understanding the potential legal consequences associated with your charges is also of paramount importance. This could encompass a range of outcomes, such as fines, probation, loss of driving privileges, or even imprisonment. Knowing what’s at stake will help you prioritize finding an attorney who can effectively mitigate these consequences.


Furthermore, take the time to identify any unique circumstances of your case. Every legal matter has its own set of distinctive facts and elements. For example, your case may involve issues like self-defense claims, entrapment, or complex financial transactions. Having a clear grasp of these details will assist you in finding an attorney with the specific expertise required to address your situation effectively.


Consider your attainable goals as well. What are you aiming to achieve with your legal representation? Are you looking to have the charges dismissed, negotiate a plea bargain, or prepare for a trial? Your legal goals should align with the expertise and strategies of the attorney you ultimately choose.



Be mindful of timelines and urgency. Legal matters often have deadlines and time constraints that must be adhered to. Some cases may require immediate attention, while others allow for more time to build a defense. Understanding the urgency of your situation will guide your attorney selection process accordingly.


Financial considerations should also play a role in your assessment. Be realistic about your financial resources, as legal representation can be costly. Different lawyers have varying fee structures, so it’s important to find an attorney whose services align with your budget while still providing the level of expertise your case demands.



Lastly, consider your comfort level with various aspects of the legal process. Are you prepared for a lengthy trial, or would you prefer a lawyer who excels in negotiation and settlement? Your own preferences and tolerance for the legal process can influence the type of attorney you need.


By thoroughly evaluating your needs and the specific details of your case, you will be better equipped to identify an attorney with the relevant expertise and experience to provide you with the best possible defense. Remember that the right lawyer can make a significant difference in the outcome of your criminal case, so investing time in this initial assessment is a crucial step toward securing your legal future.

Look for Experience

Experience is a critical factor when it comes to choosing a criminal defense lawyer. In the realm of criminal law, specialization is key. Seek out an attorney who has dedicated their practice to criminal law, as they will possess the depth of knowledge and expertise needed to navigate the intricacies of the legal system. Moreover, inquire about their specific experience in handling cases that resemble your own. Different criminal charges require different strategies and approaches, and an attorney who has successfully defended cases similar to yours is more likely to have a nuanced understanding of the legal terrain.



To gain a clearer picture of their expertise, don’t hesitate to ask about the number of years they’ve spent practicing criminal law and the breadth of their experience in this field. A seasoned lawyer brings not only legal acumen, but also a wealth of practical insights that can be invaluable in your defense. Additionally, take the time to investigate their success rate in achieving favorable outcomes for clients. This can be indicative of their ability to craft effective defense strategies and negotiate on your behalf. A strong track record of securing dismissals, reduced charges, or acquittals in cases akin to yours can instill confidence in their ability to advocate for your rights and interests effectively.

Check Their Reputation

Evaluating a potential criminal defense lawyer’s reputation is a crucial step in the selection process. To begin, reach out to your personal network for recommendations. Friends, family members, or colleagues who have had prior experiences with criminal attorneys can offer valuable insights into their interactions, professionalism, and overall satisfaction with legal representation. Hearing firsthand accounts from trusted sources can provide you with a preliminary list of attorneys to consider.


In addition to personal referrals, delve into online resources to further assess a lawyer’s reputation. Online reviews and testimonials from former clients can offer candid perspectives on their experiences with the attorney. Pay attention to patterns in feedback, focusing on factors like communication skills, responsiveness, and the lawyer’s ability to achieve positive outcomes. Furthermore, consult bar association records to confirm the lawyer’s standing within the legal community. A clean disciplinary history and active participation in professional organizations can signal a commitment to ethical and competent legal practice. By conducting thorough research into a lawyer’s reputation, you can make a more informed decision when selecting the right advocate to handle your criminal case.

Verify Credentials

Verifying the credentials of a prospective criminal defense lawyer is a pivotal step in ensuring you’re making a well-informed decision. To begin, ascertain whether the attorney is licensed to practice law in your specific jurisdiction. Legal requirements and regulations can vary significantly from one jurisdiction to another, and hiring a lawyer licensed in your area is essential to ensuring they are well-versed in the local laws, procedures, and court personnel.



Moreover, confirm that the attorney is in good standing with the local bar association. This entails checking their disciplinary record for any past or pending complaints or sanctions. A clean disciplinary history is indicative of ethical and professional conduct. It’s also worth inquiring about their professional liability insurance, which can provide additional protection for you as a client.


Beyond licensure and disciplinary standing, take a closer look at the lawyer’s credentials and qualifications. Determine if they have any specialized certifications or training in criminal law. Membership in professional organizations related to criminal defense, such as the National Association of Criminal Defense Lawyers (NACDL) or state-specific criminal defense associations, can be a positive indicator of their commitment to excellence in this field. Additionally, inquire about their educational background, including any honors or awards, as this can shed light on their dedication to ongoing professional development and expertise in criminal defense matters. By conducting a thorough verification of the attorney’s credentials, you can have confidence in their competence and suitability to handle your criminal case effectively.

Evaluate Communication:

Effective communication between you and your lawyer is essential. Evaluate how responsive and accessible the attorney is. Your attorney should keep you informed about your case’s progress, legal options, and potential developments.



Assess Legal Fees

Assessing legal fees is a critical aspect of selecting the right criminal defense lawyer, and it’s essential to discuss this matter openly during your initial consultation. Lawyers often employ various fee structures, and understanding how your attorney charges for their services is crucial for financial planning and transparency. Some attorneys bill clients on an hourly basis, where you are charged for the actual time they spend working on your case. This can include research, court appearances, meetings, and other tasks. Hourly rates can vary significantly depending on the attorney’s experience and location, so it’s important to establish these rates upfront and inquire about any additional costs that may be associated with your case, such as court filing fees or expert witness fees.


In contrast, some attorneys may offer flat fee arrangements, where you agree to a predetermined sum for the entire scope of your case. This can provide financial predictability and clarity, as you’ll know the total cost from the outset. Another fee structure is contingency-based, which is often used in civil cases but not typically in criminal defense. In this arrangement, the attorney’s fee is contingent on winning your case or securing a favorable outcome. However, it’s crucial to note that in criminal defense cases, contingency fees are less common due to ethical considerations. Regardless of the fee structure, ensure that you have a clear understanding of all fees and expenses associated with your case, including any potential additional costs that may arise during the legal process. This transparency will help you make an informed decision, while also preventing any surprises regarding legal fees down the road.

Consider Personal Rapport

Consideration of personal rapport between you and your chosen criminal defense lawyer is paramount. Building a strong attorney-client relationship is not only about professional competence but also about trust, communication, and collaboration. You should feel comfortable discussing sensitive information with your attorney, as open and honest communication is essential to developing a robust defense strategy. A lawyer who listens to your concerns, understands your perspective, and respects your input can make a significant difference in the overall experience and effectiveness of your legal representation. Personal rapport fosters a sense of confidence and partnership, which can be particularly reassuring during the often stressful and complex process of navigating a criminal case.



Evaluate Support Staff

Evaluating the support staff associated with your prospective criminal defense lawyer is a crucial consideration. The effectiveness of a criminal defense lawyer often depends on the expertise and competence of their support team. Inquire about the paralegals, investigators, legal assistants, and other professionals who may be assisting in your case. These individuals play integral roles in gathering evidence, conducting research, and ensuring that all necessary legal documents are prepared accurately and on time. A well-coordinated and experienced support staff can significantly enhance the efficiency and thoroughness of your legal representation, ultimately contributing to a more robust defense strategy. Therefore, assessing the quality and qualifications of the entire legal team is essential in making an informed decision when selecting your criminal defense lawyer.

Ask for References

Asking for references from past clients is a valuable step when considering a criminal defense lawyer. These references can provide firsthand insights into the lawyer’s performance, professionalism, and effectiveness in handling cases similar to yours. Reaching out to former clients allows you to gain a deeper understanding of the attorney’s communication skills, their ability to manage expectations, and the outcomes they’ve achieved. A reputable lawyer should readily provide references or testimonials that showcase their track record and client satisfaction. These references can serve as a vital resource in your decision-making process, helping you gauge the lawyer’s competency and the level of confidence you can have in their legal representation.


Choosing the right criminal defense lawyer is a critical decision that can greatly impact the outcome of your case. Take the time to assess your needs, research potential attorneys, and conduct interviews before making a selection. With careful consideration and the guidance of an experienced and dedicated legal advocate, you can navigate the challenges of your criminal case with confidence.


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People & Lifestyle

Navigating the Home Sale Process: Mistakes You Can’t Afford to Make



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Selling a home is not merely a financial transaction but also an emotional one. It’s a monumental decision, filled with anticipation, excitement, and, yes, anxiety. But before you put up that ‘For Sale’ sign, it’s crucial to understand the landscape of home selling and the pitfalls many sellers, unfortunately, tumble into.


Pricing: The Golden Key to a Successful Sale

The crux of selling a home is setting the right price. According to Ramsey Solutions, an overpriced home takes an average of 23 days longer to sell. The National Association of Realtors’ 2023 Generational Trends Report also highlighted this, stating that 52% of sellers make the grave mistake of not pricing their homes correctly. This mistake is even more prevalent among younger sellers, with 59% of millennials falling into this trap.

A Forbes contributor, Chris Cringle, didn’t mince words when he declared, “Pricing your home correctly is the most important step in the selling process.” Overpricing can have your house languishing on the market, and underpricing robs you of valuable equity you’ve built over the years.



Repairs: The Silent Deal Makers (or Breakers)

The saying ‘first impressions last’ rings true in home sales. You might think that chipped paint or a leaky faucet is a minor issue, but these “small” problems can significantly deter potential buyers. HomeAdvisor’s 2022 survey found that 78% of buyers are willing to shell out more money for a well-maintained home. As Chris Cringle puts it, even minute repairs can skyrocket your home’s appeal and value.


Declutter and Stage: Let Buyers Envision Their Future Home

A cluttered home can stifle a buyer’s imagination. It’s challenging to picture their family in the living room when it’s overflowing with knick-knacks. The 2022 study by the National Association of Realtors emphasized the importance of decluttering and staging, revealing that staged homes fetch an average of 3.9% more than their non-staged counterparts. If you want to maximize returns on your home, decluttering and staging aren’t optional; they’re essential.

Buy Before You Sell: Timing Matters

While the focus has been on selling, there’s another angle that some homeowners grapple with: should you buy a new home before selling the old one? This nuanced decision requires you to weigh the benefits against the potential pitfalls. However, one must tread this path with caution, financial prudence, and a clear understanding of the market dynamics.



Rely on Experts: An Ounce of Prevention is Worth a Pound of Cure

The Consumer Financial Protection Bureau (CFPB) ardently recommends working with a seasoned real estate agent. A professional can be your guiding star, helping you clear the common pitfalls and ensure your home sale journey is smooth.

According to the Journal of Real Estate Research, sellers who stumble on common mistakes often experience financial repercussions and higher levels of stress and anxiety. It’s not just about selling a house; it’s about ensuring peace of mind throughout the process.


Navigating the tumultuous seas of home selling can be daunting. However, with the proper knowledge, you can avoid the most common mistakes that sellers make:

  1. Incorrectly pricing their home.
  2. Neglecting necessary repairs.
  3. Not decluttering and staging.


Remember, your home is not just a building; it’s a product on the market. Prepare it well, price it right, and present it in its best light, and you’ll be poised for selling success. The market awaits!


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Electroland Ghana Ltd Secures Sole Distribution Rights For TCL Products



Electroland Ghana Ltd Secures Sole Distribution Rights For TCL Products

In a significant development in the consumer electronics industry, Electroland Ghana Limited (EGL) has emerged as the sole distributor of TCL products in Ghana, securing sole distribution rights for TCL products. (more…)

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People & Lifestyle

Guidance for Bettors on How to Get Around Bookmaker Limitations Now and Prevent Future Ones



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ou have been placing winning sports wagers for a while, and your money is growing. Everything is great until you reach your limit. First with one bookmaker, then with another… 

Sounds familiar? How then can one circumvent bookmaker restrictions, i.e., how can one lay low from bookmakers’ lurking eyes?

Stay Away from Further Limitations

There are various tactics to take to avoid additional limits, regardless of whether you have previously encountered bookmaker restrictions or are a rookie who is making limitless wagers (for now).

The more time you can go unrestricted, the better, since there is quite a bit of money out there to be had. Here is a comprehensive list of all of our recommended strategies for extending the life of your bookmaker account. 


Below are our top suggestions for avoiding sportsbook restrictions:

Keep in Mind Your Betting Pattern

Because bookmakers dislike clever punters, you should strive to mislead them by making them believe you are just another “schmuck” punter. It is crucial that you take your general betting pattern into account because of this. Try to place the majority of your arbitrage wagers (also known as “arbs” or “arbing”: betting on opposing teams in the same event at the same time) during the nights and weekends when most recreational gamblers wager. If you were to wager on horse racing arbs, you would typically know when to spot them because they typically arrive in the middle of the day right around the scheduled start of the race.

Additionally, it is a good idea to sometimes introduce a surprise aspect in order to appear as innocent as possible. For instance, the bookies could mistakenly believe that you might be a potential moneymaker for them if you sometimes place a few casino bets on their casino sections, even if the reality is quite the contrary. Simply put, they are to be unaware.

Round up the Stake You Placed


Never wager precise amounts. To prevent immediate restrictions, this is perhaps the most crucial information to understand and we could have easily started listing tips with this one. 

As closely as you can, round your wager to the nearest multiple of five. Therefore, wager $235 or $240 at many bookmakers rather than $237. Better still, put in $200 or $250.

Use Different Account Information on Different Bookies

There are rumors that bookmakers are collaborating to find shady users. 

Do not make it simple for them to locate you and label you as a shady punter. Making up unique usernames and login information is the easiest and most effective method.


Your First Deposit Should Be Small

Do not make a sizable deposit just after signing up. Merely enough money from the initial deposit should remain to pay for the following few bets, two or three tops. 

The first few days after signing up, you should refrain from attracting attention to your account. This can aid you in avoiding an immediate inspection by the bookmakers. Of course, you may and ought to add more to your first deposit a bit later.

Use More Than One Bookmaker

You will have a lot of options for arb or value bets if you use more than one bookie. 


This is advantageous, but it might also make you appear to be “less profit-making” because you are betting with many different bookies.

If You Are Arbing, Choose Bookies Who Are Receptive to It

You will never have a winning limit on a betting operator like Betfair, Matchbook, Betdaq, Smarkets, or others from the list of the best betting sites in Ghana in 2023. Use them as a solid platform when arbitrage betting since they will not prohibit you from doing so. However, do not be afraid to employ other bookies too. The best combination is one that is both “soft” and “sharp”. 

Go on an Internet quest to learn more about the distinction between the so-called “sharp” and “soft” bookmakers. The former type is known for moving their odds fast in order to get close to the true probability of a match. The latter is known for changing their odds slower to meet the demands of casual bettors. If you value bet, you should know that is more difficult to turn a profit value betting with sharp bookmakers and exchanges than with soft bookies alone. So, if you are new to betting, you might want to think about using the latter.

Avoid Making Inessential Withdrawals from a Bookmaker


If you do not need to, avoid pulling your money out of bookies. You can occasionally employ the approach of transferring funds instead of making deposits and withdrawals if you must make “parity” between your bookmaker accounts. 

To maintain the equilibrium of your accounts and avoid any withdrawals, it is ideal, of course, if you constantly have some money in your e-wallet or credit card.

Restrain Yourself

Consider avoiding using one of your bookies for a time if you have a lengthy winning run there. 

This is because your account could already be under investigation.


Avoid Placing Bets on Apparent Palps

Your wager may be canceled by a bookmaker on the grounds that there was the so-called “palp”. This can happen when bookmakers make what they refer to as an “obvious mistake” (“palpable error”), such as when they set the odds incorrectly or accidentally flip a match’s odds.

Additionally, there are restrictions in the Terms & Conditions of betting operators that prevent you from profiting from those errors. When sportsbooks make a mistake like this, they are protected so they will not have to pay out on bets placed by attentive gamblers. Looking at the odds of other bookmakers for the same match/event is a simple method to identify such an error; if they are mostly in line with one another, it is an obvious palp.

Do Not Withdraw Right Away When a Bonus Has Been Met

Do not attempt to pay out as soon as your bookmaker bonus has been satisfied or your bets have become winners.


This can lead to suspicion.

Do Not Expose Too Much on Social Media

It may be tempting to brag to friends about online earnings from arbitrage or value betting. Nevertheless, make an effort to lay low since bookies are frequently “eavesdropping” everywhere. Additionally, never register with bookies using your social network-connected email address. 

Also, never use the same web browser to visit a bookmaker while connected to Facebook, Twitter, or any other social media. If the bookmaker’s website contains a Facebook button, your identity will be revealed.  

Do Not Wager Heavily on Foreign Competitions and Low Tires


If you place a sizeable wager involving a third-division basketball championship in another nation, some bookmakers could raise an eyebrow. You will probably be identified as an arber if you put large sums on a foreign league, especially if it is low tier. 

Also, be cautious when betting on vague competitions in nations with a history of match-fixing issues. A bookie setting to disable the display of lower-tier leagues exists and may be useful in this situation.

Do Not Get into a Situation Where Your Bet Is Reviewed 

Your wager should not be sent for manual approval.

This is what would happen if you try to place a wager that exceeds the maximum stake allowed and the bookmaker sends it for its staff’s evaluation before deciding whether to accept it or reject it. 


They usually reject it.

Think Carefully About Your Stakes

The average wager ranges from 50 to 500 euros (or its equivalent in another currency). If you consistently wager larger sums, bookies could check you out more frequently. Additionally, you should refrain from consistently placing bets for the same amount. 

Remember to act how you would have thought they would have acted if they were frequent punters. Attempt to avoid betting the maximum amount every time. This can hasten the examination of your account. Try to wager somewhat less than the maximum bet stake.

Use Your Restricted Accounts as Before


It may appear at first that your account has been restricted because of only a few euros. However, not all sports and markets are necessarily impacted by this constraint. Continue to place bets with your limited account on various sports and leagues. On major events, you could still have the option of placing substantial wagers.

With lots of moneyed unrestricted bookmaker accounts, we wish you luck in your endeavors as an arbitrage and value bettor. We hope these recommendations were helpful.

For the End

The fact is, though, that you cannot predict when a bookmaker could restrict you. If your account is restricted, your only option is to comply with the restriction and switch on to the other bookmaker. And do not worry, there are a ton of other trustworthy bookies available. Additionally, since new bookies constantly enter the market, there are bound to be prospects for arbitrage and more possibilities for you to open new accounts.

If all the above was TL;DR for you, then focus on this: simply be sensible and behave like a typical punter. 

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People & Lifestyle

How to Choose the Right Legal Process for Your Specific Needs



Legal Process

Navigating a legal challenge can be an intimidating endeavour, but choosing the appropriate legal route can wield substantial influence over the ultimate outcome of your case. The legal landscape provides many avenues for resolving disputes, underscoring the significance of selecting the one that aligns most effectively with your precise needs. In this comprehensive guide, we will delve into diverse legal processes, offering straightforward explanations to empower you in making an educated decision.

Discern Your Legal Matter

Your inaugural stride in the quest for the right legal recourse entails identifying the specific nature of your legal predicament, especially when considering Legal Process Outsourcing Services UK. Legal quandaries encompass a vast spectrum, encompassing familial disputes, personal injury claims, commercial conflicts, and myriad other scenarios. A pivotal factor in this process is comprehending the essence of your issue, as various legal processes are expressly tailored for particular categories of cases.

Seek Counsel from an Attorney

After identifying your legal difficulty, seeking consultation with a legal practitioner is judicious. A seasoned attorney possesses the acumen to furnish invaluable perspectives regarding the optimal legal path for your situation. They can evaluate the intricacy of your case, gauge your likelihood of success, and elucidate the potential financial ramifications.


Contemplate Alternative Dispute Resolution (ADR)

In numerous instances, resorting to litigation or court proceedings is not the sole avenue for redress. Alternative dispute resolution mechanisms, such as mediation and arbitration, offer expeditious and cost-effective alternatives. Mediation engages a neutral third party to facilitate parties in reaching a mutually agreeable resolution, while arbitration appoints an impartial arbitrator tasked with delivering a binding judgment. ADR often boasts greater flexibility and diminished formality in contrast to court litigation.

Small Claims Court

The small claims court option may warrant consideration if your dispute revolves around a relatively modest sum. Tailored for cases with modest financial stakes, this forum features streamlined procedures and obviates the necessity for legal representation. It is an economical avenue for dispute resolution.

Civil Litigation


Civil litigation constitutes the conventional legal mechanism for settling disputes through the judicial system. It necessitates initiating a lawsuit, followed by phases like discovery and, potentially, a trial. Civil litigation is most suitable for intricate cases imbued with substantial legal complexities. Given its intricacy, engaging an attorney to navigate this process is paramount.

Family Court

Designed expressly for family law matters, such as divorce, child custody disputes, and domestic altercations, family court emerges as a suitable recourse when familial issues arise. An attorney specialising in family law can furnish invaluable guidance throughout this process.

Criminal Court

In instances wherein you confront criminal charges, your legal journey predominantly traverses the domain of criminal court. Here, governmental entities prosecute individuals accused of perpetrating crimes. If you find yourself ensnared in this scenario, procuring the services of a criminal defence attorney is imperative. They can safeguard your rights and provide an optimal defence strategy.


Bankruptcy Court

Individuals and businesses grappling with overwhelming debt may find solace in bankruptcy court proceedings. This avenue confers a structured legal process for discharging or restructuring debts, offering individuals and businesses a fresh fiscal inception. To gauge the suitability of this option for your financial predicament, consult a bankruptcy attorney.

Administrative Agencies

In certain instances, legal matters fall under the purview of administrative agencies instead of traditional courts. These agencies oversee immigration, employment disputes, and environmental regulations. Seeking guidance from an attorney well-versed in the specific agency’s procedures is imperative in such situations.

Statute of Limitations


When selecting a legal path, factoring in the statute of limitations applicable to your case is imperative. especially when considering Legal Outsourcing Services Manchester.  Statutes of limitations prescribe the deadlines for initiating lawsuits. Adherence to these deadlines may result in your right to pursue your case forfeiture. Prompt consultation with an attorney is indispensable to ensure compliance with these temporal constraints.

In Summary

Selecting the optimal legal route tailored to your unique needs represents a pivotal juncture in effectively and efficiently resolving your legal predicament. Commence by ascertaining the nature of your legal problem, seek counsel from a legal practitioner, and contemplate alternative dispute resolution options where pertinent. Whether it pertains to small claims court, civil litigation, family court, criminal court, bankruptcy court, or administrative agencies, comprehending your alternatives is quintessential to achieving a favourable outcome. The realm of legal affairs may seem intricate, but armed with the right guidance, you can confidently navigate this terrain, ensuring your rights are preserved.

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