Remember the plus size lady whose pre-wedding photos went viral awhile back? well she is now happily wedded with her fiance.
The lovely couple had last month rocked the internet with their pre-wedding photos, leaving many inspired and hopeful for true love.
Chidera and Ifeoma were all shades of joy on their wedding day.
The photos from the simple ceremony are now circulating online and we simply cant get over the lovebirds. The bride dressed and channeled her inner Cinderella, the groom came prepared dressed in white with a touch of gold.
Below are some photos of the event below:
There you have it folks! After all said and done, the ups and downs, the laughter and the cries, the romance and friendships made, we’ve finally had the winner of the Big Brother Naija game!
Miracle Ikechukwu has been announced as the winner of the Big Brother Naija game after weeks of eluding evictions and being the fans favourite.
Miracle was affiliated with all sorta drama and romance in the house and it’s obvious that that’s part of what made him the right man for the win.
A really comical guy who brought the heat with his charming and calm attitude while in the Big Brother house – Miracle obviously won the hearts of many as they’ve put him up as the winner of the show…
Hearty congratulations to Miracle and we most definitely can’t wait to follow him up on what his next real life actions will be…
The good news is that your car insurance policy is not permanent. If you are not happy with the company covering you now, you can always switch to someone different.
If you want to legally drive a car, you need a license, you need a car, and you need to have an insurance policy that covers that car (and you). This is as far as most people get before they start to feel overwhelmed and confused. There are so many different companies and policies to choose from!
Who do you work with?
Here are the top five reasons that people change their policies and providers.
The cost of an insurance policy is not universal. You can get the exact same coverage at twenty different prices from twenty different companies. It is entirely possible that you can get the exact same coverage you have now for a fraction of the price from a different company. It is important to note that a lot of different factors go into figuring out what an insurance policy. Not all those factors center on you. The cost of running the business, offering other benefits, etc., also figure into what you pay for your policy. This is why you need to consider more than your out-of-pocket expenses before switching to a new provider.
- Personal Choice
One of the reasons that many car insurance policies are cheap is because you are limited when it comes to maintenance and repairs. Much like an HMO, your car insurance provider can require that you only take your vehicle to one of its approved repair shops or dealerships. Progressive is famous for this, as is Geico.If it is important to you that you decide who “treats” your car, you might have to come around to paying a higher price.
What “perks” does your insurance policy offer to you? Some of the best perks to look for are the lowering of your rates if you go twelve months without an accident. It is also good to go with a company that will pay for your rental car if you have to leave your car in a repair shop overnight (or for several days). Some companies will also lower your rates if you bundle your car insurance with other types of policies you might need. AllState, for example, offers discounts to people who bundle their car and rental/homeowners’ insurance policies.
- Circumstances Have Changed
When your circumstances change, you should start checking around for a new insurance policy. A new car often requires full coverage until the car is paid off. Some local insurance companies do not offer continued coverage when you move to a new city or state.Another big difference is when you add a new driver to your policy. Depending on that driver’s age (and, sadly, often gender), your rates might go up and you might have to add different areas of coverage to your policy.
- Customer Service/Company Issues
What kind of customer service do you get from the company? Are the representatives attentive? Do they treat you with respect? How do the claim adjusters and representatives of the company treat the people who work on your car? It is important to know these things. If you (or your mechanic) is treated rudely or short-changed by the company, it is time to switch.It is also worth it to take some time to look into the ethics of the company. While not a car insurance company, GoDaddy lost floods of customers after it came out that the CEO of the company was into killing large animals for sport (and they lose more every time they air a new commercial). Make sure the powers that be at your insurance company are not engaged in anything that you find abhorrent. You don’t want your money to pay for things that you ethically disagree with, do you? It is possible that your current policy meets all of your needs and requirements. If it does not, though, use these criteria to help you choose someone else.
For one 30-something Florida couple, going without health insurance is a mixed bag of budget and principle.
Bill, Lisa, and their teenage son were covered on an individual policy through 2014. When their plan was cancelled at the end of last year, they found their options limited.
Lisa told Healthline premiums for the family of three would have more than doubled.
“We feel it’s unfair to have paid years of insurance and then be cut off and forced into higher premiums and less coverage,” she said.
So, they decided to dump their insurance, fork over the tax penalty, and pay their own medical costs as they go.
Fine Can Be Cheaper Than Premiums
Millions of Americans have gained health coverage under the Affordable Care Act (ACA). The individual mandate means most people are required to purchase health insurance. There’s a bit of incentive, too. Not having insurance can subject you to a tax penalty.
But, the law leaves plenty of room to fall through the cracks. For some, it’s not a matter of choice. They can’t afford coverage but don’t qualify for a subsidy. This is particularly true in states that did not expand Medicaid under the ACA.
Then there’s another group: those who make the conscious decision to pay the penalty rather than pay for health insurance. For some of them, it’s a matter of principle, a rebellion against the mandate. Others compare the cost of insurance to the penalty and opt for the least expensive.
Paying Your Own Medical Bills
One advantage of health insurance is that insurers negotiate lower rates for services. Often, people without health insurance are billed at significantly higher rates. Bill and Lisa, however, found that many Florida providers offer reasonable self-pay rates.
“An office visit to the walk-in clinic was a $60 copay when we had insurance. The self-pay price is $109,” said Lisa. “That price is not breaking the budget.”
The couple sets aside money each month for medical expenses. They also retained their vision and dental coverage.
So far, they haven’t been turned away from any providers for lack of coverage.
It’s not unusual for people without insurance or means to skip treatment or rack up huge medical bills. Bill and Lisa’s family has been lucky. They haven’t had any major health concerns and they’re grateful for that.
It’s a reminder that, after all, we’re mortal and one day we won’t be around anymore. In fact the subject bothers some people so much that they don’t even look into getting life insurance.
But you won’t do that, will you?
To help make getting life insurance easier for you I’m going to tackle a couple of common questions when considering life insurance — why do i need life insurance and how much should I buy?
When Most People Start Thinking About Life Insurance
Life insurance isn’t needed for everyone at every stage of your life. But there tends to be a few times when people get particularly interested in getting life insurance.
According to a recent State Farm survey (go take a look over at GoodNeighbors.com), 4 out of 10 people will buy life because of a life event such as getting married, buying a house, or having a baby.
Having children is what got my wife and I thinking about life insurance. We each wanted to make sure the other would be taken care of should something happen to one of us (or the kids would be cared for should we both leave pre-maturely).
Let’s get back to how much life insurance you’ll need.
The two biggest aspects we’ll consider here are why you need life insurance and how much you need to cover with it.
Before we look at how much life insurance you should get let’s first look at why you want the life insurance in the first place. This will help us in figuring out how much you need.
Why You Want Life Insurance
Income Replacement for Those That Depend on You
This is one of the most common reasons to get life insurance. You want it so that people who would normally depend on your income will be able to take care of themselves after you’re gone. Usually this is your spouse and children.
What you’re basically doing here is getting life insurance as income replacement since you were the wage earner. Take into consideration any income your spouse has as well. You may only need to cover part of your income if your spouse has significant income.
If you’re replacing income to provide for your children you’ll only need it until your youngest turns 18 or until she finishes college. The assumption is they can start their own careers and pay for themselves after that time.
To Payoff Debts and Expenses
At first this sounds like a strange reason. Why would you need money to payoff debts after you’re gone?
This goes back to leaving money for those that depended on you.
Similar to income replacement, this reason looks at leaving enough money to cover any outstanding debts you may have, the biggest one here probably being a mortgage.
You can also use your life insurance to cover your “final expenses.” By that I means expenses like funeral costs, hospital expenses, or estate taxes.
As an Inheritance
Some people want life insurance as a means to leave an inheritance to those they are leaving behind. The money isn’t to specifically pay for anything. It’s to make sure your heirs have a little something and are comfortable. Even if your spouse works you may want them to be able to not worry about going back to work.
Child and House Care of a Stay-at-Home Spouse
The stay-at-home spouse provides incredible value to the household. If you have children you might want to consider what it would cost to care for the kids if the stay-at-home spouse we no longer there to care for the household. You might need to cover things like daycare in order to get by.
One way people use life insurance is as a means to help their children pay for college. You can be confident college costs are taken care of even if you won’t be around to see them graduate.
A Mix of These Reasons
No one if these reasons are necessarily the right one for you.
First, you may have other reasons for life insurance I didn’t mention here. That’s fine. This is a guideline of some of the more popular reasons.
Second, it’s OK if you combine different reasons in figuring out how much life insurance you need. The point in this first exercise is to see why you want the life insurance. Once you have your reasons you can better determine how much you’ll need.
How Much Life Insurance You Need
Once you know why you want life insurance it gets easier to estimate how much life insurance you need.
There are some general rules of thumb, such as getting seven times or 10 times your yearly salary in coverage, but, really, how much life insurance you need comes down to your personal financial situation, and what you hope your life insurance will accomplish.
Another tool is to look at your income, debts, and any other monetary amounts your heirs may need after you’re gone and then figure out how much total capital you would need in an income-producing portfolio to produce that amount every year, taking out 4% for your yearly needs.
If you earn $50,000 a year, your family would need $1.25 million in capital. According to different economic theories, this method would ensure that money lasts indefinitely. You might want to add that number to estimated funeral expenses and your debt repayment amount so that your family has the needed capital after everything is taken care of.
Another way to figure out what your family needs is to add up yearly expenses or income, and figure out how long they would need to be provided until your youngest child is of age (if you were looking to provide income for your children if you were gone).
If you make $50,000 a year — and assume that you spend that much — and your youngest is five years old, you would need to figure $50,000 a year for 13 years (until the youngest turns 18). In our example, that would be $650,000. You can then add other expenses that you have, such as debt pay off, funeral expenses and other things you would like to pay for (such as college costs) to the base income replacement number.
When you are looking at how much life insurance you need make sure to take retirement account contributions (this could lower the amount you’d need), the cost of benefits (like health insurance), and the cost of services that might need to be hired (like child care or housekeeping) into consideration.
Again, this all depends on your reasons for the money. You wouldn’t need the same amount to cover college costs as you would as income replacement or debt repayment or if you just want to cover funeral costs.
What About Life Insurance I Get From Work?
A lot of employers offer up life insurance. Many times though this life insurance renews year-to-year and depends on you still working there (the plan may not be portable or be expensive if it is). Think of insurance from employers like this as icing on the cake and not as a big part of your calculations.
Final Word On How Much Life Insurance You Should Buy
You may not want to think about not being around anymore but making a plan now can ensure your loved-ones are taken care of. It’s a pretty good feeling to know your family won’t have to worry about money as they mourn.
We didn’t go into the different types of insurance that are out there such as term vs. whole life insurance or other products like universal and hybrids but the typw you buy may have an impact on your calculations.
When you ask yourself ‘how much life insurance should I buy?’ take a look at the reasons you want life insurance and you have a good starting point in estimating your needs.
Popular Lagos prophet, and the Founder of Mountain of Blessing and Miracle Church of Christ, Dr Olagoroye Faleyimu, in a recent chat with YMG, revealed that actress Funke Akindele must marry a gateman for her to have a child. .
His words: “Recall that I have once said that Funke Akindele will keep acquiring more wealth, this was even before she started getting endorsement deals. She chose wealth and fame when she was coming to earth. .
She is a promised child who has a limited time to live, and that is why I have been clamoring that she must have a special prayer so that she can genuinely conceive and have her own kids.
It is not something you ask a pastor to do for you. Counterfeit prophets have been predicting this and that about her, claiming they saw a set of twin in her womb, and that was why the rumour was everywhere a few months ago that she was pregnant. .
She needs to open her mouth to deliver herself. If she fails to do the prayer, another grace for her is to marry a poor and unpopular pastor, the person will get the solution and she will have her own child.
Another way she can break the covenant is to probably marry a gate-man. This is the promise she made with her members in the spiritual realm. It might be difficult for her to have a child if she fails to break the covenant. .
If she comes to me for prayers and I pray for her, she won’t conceive. I can only give her some prayer points as guideline. Immediately she engages in the special prayers, one of the signs she should watch out for is that, her money and endorsements will be reducing and within 2 months, the pregnancy will come.
For the husband, he also has his own battle that he needs to pray about, in order for him to be set free. If not, he will marry about 5 wives before one will eventually stay. His story is like that of the Ooni of Ife, the king needs to marry 2 wives at a go before he can experience a peaceful marriage. .
The Ooni of Ife can marry another wife and retake his first wife also. If not, he will marry 7 before one can stay.“
Garlic is known to be an extremely effective vegetable, which can provide an immense number of health benefits. The list of diseases that garlic can kill is long, and includes:
- Helicobacter Pylori infection
- Candida (Yeast) infection
- Thrush (Fungal overgrowth in oral cavity)
- Mycotoxin-associated aflatoxicosis
- Methicillin- Resistant Staphylococcus Aureus (MRSA)
- Klebsiella infection
- HIV-1 infection
- Vibrio infection
- Pseudomonas Aerigonosima(including drug-resistant strains)
- Mycobacterium Tuberculosis, multi-drug resistant Clostridium infection
- Cytomegalovirus Infections
- Viral Infections ( Herpes Simplex 1 and 2, Parainfluenza virus type 3, vaccinia virus, vesicular stomatitis virus and human rhinovirus type 2)
- Group B Streptococcus Infection
These are only a small part of the health conditions in which garlic can be of great use due to its powerful properties to fight infection.
This amazing vegetable has been used to treat and cure cancer throughout the ages. Even Hippocrates recommended the consumption of large amounts of crushed garlic as a cure for cancer.
If you decide to heal your cancer using this remarkable item as an anti-fungal, you should take at least 5-6 cloves of (crushed) garlic per day. There are about 12 cloves per the whole pod of garlic.
Moreover, note that you should let them sit for at least 15 minutes after they have been crushed. This amount of time is needed to release an enzyme (allinase) that produces these anti-fungal, anti-cancer compounds.
However, you can eat the raw or cooked garlic as part of sandwiches or other meals, but according to research, garlic supplements do not produce the same anti-cancer, anti-fungal results.
Garlic also permeates the research literature: the biomedical database known as MEDLINE, provided by the National Library of Medicine, contains 4245 study abstracts on garlic.
According to the data given there, garlic is extremely important in preventing or treating well over 150 health conditions, ranging from cancer to diabetes, infection to plaque buildup in the arteries, DNA damage to mercury poisoning.
Furthermore, in the research on Greenmedinfo.com, it was also stated that garlic has value in 167 health conditions or disease symptoms, but the greatest density of research indicates garlic’s role in preventing and/or treating Cardiovascular Disease and Cancers, the two primary causes of death within high-income countries.
Inexpensive, time-tested, safe and delicious, natural remedies and spices like garlic have been ‘life saving’, and consequently, in ancient times, many were worth their weight in gold.
Nowadays, although we are aware of its power and are starting to be more and more convinced in it, it seems that doctors will always prescribe drugs as part of our treatments.
Therefore, you are responsible for your own health. Learn how you can use the nature to improve your health and always use its items if they work and they are safe.