In a glamorous evening at the Accra Conference Centre, the dedicated trustees of The Children’s Heart Foundation Ghana were honoured with the prestigious 2024 International Africa Healthcare Award by the Zenith Global Health Network.  (more…)

The Old Mutual Financial Services Monitor is a study aimed at uncovering the financial behaviour, attitudes, and perceptions of working Ghanaians. Not only has it achieved this objective, but it has also provided valuable insights for Financial Services Providers (FSPs) to better serve their customers. 

Today’s focus is on retirement savings and the attitude of the working Ghanaian towards it. The monitor reveals a high correlation between adult dependency and retirement savings. But first, let’s delve into what it reveals about retirement savings.

According to the Monitor, retirement savings ranks 8th among savings goals. This clearly indicates that retirement savings is not a priority for the working class. Approximately 6 out of 10 working Ghanaians are not saving for retirement, with this figure even higher amongst informal sector workers. 

What could be causing this? 

Financial literacy is generally low in the country and the national discourse on retirement savings and planning is not enough. However, this presents an opportunity for FSPs to incorporate financial education into their strategies and product development to increase awareness.

A high number of those not saving implies a correspondingly high number of adults relying on their children for support in old age. According to the monitor, 7 out of 10 Ghanaians are counting on their children to support them in their old age, particularly those in the 50 to 57-year age group. Is this a national concern? 

Absolutely. What about the children or young adults who need to plan and save for their own futures? This also highlights the percentage of working Ghanaians experiencing financial stress, which stands at 64percent.

As a business committed to being the customer’s first choice to grow, sustain, and protect their prosperity, Old Mutual continuously educates and sensitizes customers through its flagship financial education program, On The Money, on optimizing their finances for financial freedom.

Another innovative initiative is the launch of the industry’s first Retirement Salary product also known as the Annuity product, which is designed to provide financial security to Old Mutual customers aged 50 and above. 

As the name suggests, it guarantees a lifetime income for the plan holder in a secure manner, advancing self-reliance and enabling retirees to enjoy the perfect retirement. Interested individuals need only make a lump sum deposit and can expect monthly salaries for the rest of their lives. Today, all existing Old Mutual annuitants have had their 2023 monthly salary increased by 16% to help cushion retirees against the general rise in cost of goods and services. Great offer, if you ask me. 

What about those who are younger, like the 45-year-olds interested in the retirement salary product? For such individuals, Old Mutual offers the Deposit Administrative Scheme (DAS). DAS allows them to deposit and grow their funds until they are ready for retirement, at which point it is transferred to the Retirement Salary plan, providing monthly salaries. It’s that simple! 

Retirement planning is a crucial aspect of the broader savings ecosystem. As FSPs, we must continually educate customers and the general public about the benefits of saving and planning for retirement, including reduced adult dependency, reduced borrowing, and less financial stress on the working population. 

From an economic standpoint, retirement savings represent long-term investments essential for long-term projects and beneficial to the state. Moreover, reduced reliance on state support for the elderly frees up funds for other purposes. The responsibility now falls on all of us to ensure that we, along with those nearing retirement and future generations, save and plan for retirement, fostering a less stressed population and a better Ghana for all.

Old Mutual Ghana

Old Mutual Ghana is one of Ghana’s leading financial institutions offering innovative Life insurance and Pensions solutions. Founded in South Africa, Old Mutual has been consistent in championing mutually positive futures by offering excellent financial services to a wide range of customers across the African continent.

The company established a branch in Ghana in 2013. It operates with a skilled knowledge of the Ghanaian market, backed by the expertise of an international brand. In Ghana, the company is currently made up of Old Mutual Life Assurance Company Limited and Old Mutual Pensions Trust, offering a diverse portfolio of financial solutions, including Savings plans, Group life benefits, Funeral plans, Travel insurance and Pensions schemes.

So, your long-awaited business trip or vacation to Atlanta is finally here. Or maybe it is a special event that you have been waiting for. Did you know that you have the chance to simply explore the city in luxury? That’s right, you can simply enjoy your tour around the iconic city in your dream car today at an affordable price.

But how do you do this? An exotic car rental in Atlanta is the answer. Allow us to take you through everything you need to know about this interesting topic. By the end, you will be able to understand why you need an exotic car rental in Atlanta, how to find the best, and the types of luxury vehicles that you can choose from.

Why Choose Exotic Car Rental in Atlanta?

Certain advantages frequently inspire exotic car rental in Atlanta.

Superior luxuriousness

Imagine driving a sleek Lamborghini or a chic Ferrari through the streets of Atlanta. You can travel to new places and enjoy unrivaled luxury and elegance with exotic automobile rentals. The good thing is that you do not have to go outside of your budget to achieve this because the prices are very affordable.

Wonderful experience

If you want to create great life memories, then looking for an exotic car rental in Atlanta and renting your luxury vehicle is the greatest decision. Whether it is a birthday party, a business trip, or another event, you can be sure you will have an amazing and thrilling experience.

Adaptable choices with exotic car rental in Atlanta

Visit any exotic car rental Atlanta and see the vast array of choices you have when it comes to luxury vehicles. If you were dreaming about a Lamborghini Urus, Bentley Continental, or any other exotic vehicle, you have the chance to make this dream come true today. 

Tips for Renting an Exotic Car in Atlanta

Finding what you require is not easy sometimes especially if you are unfamiliar with exotic car rental in Atlanta. You can keep the following tips in mind to ensure that you are on the right track.

• Reserve early – There is a lot of demand for exotic automobiles, particularly during the busiest travel times. Therefore, you need to book your vehicle on time to ensure that you will not be disappointed when the time comes.
• Know the terms – To prevent any surprises during the rental time, familiarize yourself with the rental terms. These might include insurance coverage, mileage restrictions, and more.
• Examine the automobile – Before you leave, make sure you check the car carefully for any damage or problems. You can also decide to take pictures that serve as proof so that there will be no disagreements if anything happens.
• Make a route plan – To get the most out of your rental car, arrange your driving itinerary in advance. You might be traveling around Atlanta’s downtown or suburbs. Whichever the case, when you plan carefully, you will have a pleasurable trip.

Top Luxury Vehicles to Find at an Exotic Car Rental in Atlanta

An exotic car rental in Atlanta offers a wide range of luxury automobiles. The trendiest models Atlanta has to offer for rental are here.

• Lamborghini Huracan – With its cutting-edge features and amazing performance, the Lamborghini Huracan epitomizes exotic luxury. You can easily take center stage as you speed through Atlanta’s streets in this masterpiece from Italy.
• Porsche 911 Turbo S – A real automotive icon, the Porsche 911 Turbo S is recognized for its amazing engineering and exhilarating performance. Drive like never before around the streets of Atlanta in this iconic sports vehicle.
• Bentley Continental GT – The Bentley Continental GT is an ideal option for individuals seeking a harmonious combination of style and functionality. It is the ultimate big tourer for cruising Atlanta’s streets in elegance thanks to its sumptuous cabin and elegant driving experience.

Conclusion

This is the time to achieve that one dream you have always had — to drive an exotic car. Atlanta gives you the chance to enjoy its dynamic culture while experiencing the comfort of a luxury car.

Instead of settling for the routine trip, consider renting an exotic car to enhance your Atlanta experience. When looking for an exotic car rental in Atlanta, check the cost, luxury cars available, terms and conditions, and more. All these will help you make an informed decision.

Key Takeaways:

• Water damage can cause significant structural damage and health risks if not addressed promptly.
• Common signs of water damage include water stains, musty odors, warped flooring, and visible mold growth.
• Untreated water damage can weaken the foundation, promote mold growth, and damage various components of your property.
• Professional water damage restoration services are essential as DIY attempts can worsen the damage.
• Expert restoration services offer benefits such as accurate damage assessment, advanced equipment, and insurance claim assistance.
• Professional restoration companies follow a systematic approach, including inspection, water extraction, drying, cleaning, and restoration.
• When choosing a restoration company, consider their reputation, experience, and the range of services they offer.
• To find a reliable restoration company, ask for recommendations, research multiple options, and verify licenses and certifications.
• The step-by-step process of water damage restoration includes inspection, water extraction, drying, cleaning, repair, and monitoring.
• Common techniques and equipment used in restoration include moisture detectors, pumps, dehumidifiers, and mold remediation tools.
• To prevent future water damage, regularly inspect plumbing systems, maintain drainage and gutters, install a sump pump, and seal cracks.

Water damage can wreak havoc on your property, causing significant structural damage and posing health risks if not addressed promptly and properly. Understanding the effects of water damage, the importance of professional restoration services, and how to choose the right company are essential to restoring your property effectively. In this comprehensive guide, we will delve deep into these topics, providing valuable insights and information to help you navigate through the process of water damage restoration.

Understanding the Effects of Water Damage on Your Property

The Dangers of Ignoring Water Damage

Ignoring water damage can lead to severe consequences for your property and your health. The excessive moisture caused by leaks, floods, or plumbing issues can result in mold growth, which can trigger various respiratory problems, allergies, and other health issues. Additionally, water damage weakens the structural integrity of your property, potentially leading to costly repairs in the future. It is crucial to address any signs of water damage promptly to mitigate these risks.

Common Signs of Water Damage in Your Property

Identifying water damage early is key to preventing further issues. Be on the lookout for signs such as water stains on walls or ceilings, musty odors, warped or discolored flooring, peeling paint or wallpaper, and visible mold growth. It’s essential to investigate the source of water damage and address it immediately to prevent further damage and potential health risks.

The Long-Term Effects of Water Damage on Your Property

If left untreated, water damage can have long-term effects on your property. Continuous exposure to moisture can weaken the foundation, compromise the structural integrity, and promote the growth of mold and mildew. These issues can result in extensive damage, affecting various components of your property, such as walls, floors, furniture, and even electrical systems. Taking immediate action to restore your property after water damage is crucial to prevent further deterioration.

The Importance of Professional Water Damage Restoration Services

Why DIY Water Damage Restoration May Do More Harm Than Good

While the idea of handling water damage restoration on your own may seem cost-effective, it can often do more harm than good. Professionals have the expertise and specialized equipment to assess the extent of the damage accurately and take the necessary steps for effective restoration. Attempting to tackle the restoration process without proper knowledge and equipment can worsen the damage, potentially leading to more significant expenses in the long run. Professional water damage restoration College Station services offer peace of mind and ensure the job is done right.

The Benefits of Hiring Expert Water Damage Restoration Services

When facing water damage, hiring expert restoration services offers several benefits. Professional restoration companies have trained technicians who can quickly assess the damage and devise a comprehensive restoration plan. They have access to advanced equipment and techniques that can efficiently extract water, dry affected areas, and eliminate potential health hazards like mold and mildew. Additionally, reputable companies provide insurance claim assistance and can coordinate with your insurance company, saving you time and stress during the restoration process.

How Professional Restoration Companies Handle Water Damage

Professional restoration companies follow a systematic approach to efficiently handle water damage. Upon arrival, they conduct a thorough inspection to assess the extent of the damage and identify potential safety hazards. They then proceed to remove standing water using powerful pumps and extractors. Advanced drying techniques, such as dehumidifiers and high-speed air movers, are employed to remove moisture from surfaces and prevent mold growth. Once the area is thoroughly dried, they clean and disinfect affected areas to ensure a safe and healthy living environment. Finally, the restoration process involves repairing and restoring damaged materials, ensuring your property is back to its pre-loss condition.

Choosing the Right Water Damage Restoration Company

Assessing the Reputation and Experience of Restoration Companies

When selecting a water damage restoration company, it is crucial to assess their reputation and level of experience. Look for established companies with a solid track record in the industry. Read customer reviews and testimonials to gauge their reputation and customer satisfaction. A reputable company should have certifications and licenses, ensuring they adhere to industry standards and regulations. Furthermore, consider their experience in handling similar types of water damage to ensure they have the expertise necessary to effectively restore your property.

Understanding the Services Offered by Water Damage Restoration Companies

Before hiring a water damage restoration company, it is essential to understand the services they offer. A comprehensive restoration service should include water extraction, drying and dehumidification, mold remediation, odor removal, and structural repair. Ensure the company can handle your specific restoration needs and has the necessary equipment and expertise to provide a full range of services. Additionally, inquire about their response time, as prompt action is crucial to minimizing damage.

Tips for Finding a Reliable Water Damage Restoration Company

To find a reliable water damage restoration company, consider the following tips:

• Ask for recommendations from friends, family, or insurance agents who have previously dealt with water damage restoration.
• Research multiple companies and compare their services, prices, and customer reviews.
• Verify that the company has proper licenses, certifications, and insurance coverage.
• Inquire about their availability for emergency services, as water damage requires immediate attention.
• Ask about the company’s communication process and their ability to provide regular updates throughout the restoration process.

Restoring Your Property after Water Damage

The Step-by-Step Process of Water Damage Restoration

Restoring your property after water damage involves a step-by-step process to ensure a thorough and effective restoration. The process typically includes:

1. Inspection and assessment of the damage
2. Water extraction and removal
3. Drying and dehumidification of affected areas
4. Cleaning and disinfecting surfaces
5. Repairing and restoring damaged structures and materials
6. Monitoring and follow-up to ensure the restoration is successful

Common Techniques and Equipment Used in Water Damage Restoration

Professional water damage restoration companies utilize various techniques and equipment to restore your property effectively. These may include:

• Moisture detectors and meters to identify hidden pockets of moisture
• Powerful pumps and extractors for water removal
• Industrial-grade dehumidifiers and air movers for efficient drying
• Ozone generators and fogging equipment for odor removal
• HEPA filters and antimicrobial solutions for mold remediation
• Structural repair tools and materials

Preventive Measures to Avoid Future Water Damage

After restoring your property from water damage, it is essential to take preventive measures to avoid future incidents. Some preventive measures include:

• Regularly inspecting and maintaining plumbing systems
• Ensuring proper drainage and gutter systems
• Installing a sump pump to prevent basement flooding
• Sealing cracks and gaps in the building’s envelope
• Properly ventilating high-humidity areas like bathrooms and basements

By implementing these preventive measures, you can reduce the risk of future water damage and protect your property.

In conclusion, water damage restoration is a complex process that requires professional expertise and equipment. Ignoring water damage can have severe consequences on your property and health, making it vital to address the issue promptly. Hiring a reputable water damage restoration company ensures the job is done right, while taking preventive measures can help avoid future incidents. By following the guidance provided in this comprehensive guide, you can restore your property effectively and minimize the impact of water damage.

FAQ

Question: What are the dangers of ignoring water damage? – Ignoring water damage can lead to severe consequences for your property and health. The excessive moisture caused by leaks, floods, or plumbing issues can result in mold growth, which can trigger various respiratory problems, allergies, and other health issues. Additionally, water damage weakens the structural integrity of your property, potentially leading to costly repairs in the future. It is crucial to address any signs of water damage promptly to mitigate these risks.

Question: What are the long-term effects of water damage on your property? – If left untreated, water damage can have long-term effects on your property. Continuous exposure to moisture can weaken the foundation, compromise the structural integrity, and promote the growth of mold and mildew. These issues can result in extensive damage, affecting various components of your property, such as walls, floors, furniture, and even electrical systems. Taking immediate action to restore your property after water damage is crucial to prevent further deterioration.

Question: Why may DIY water damage restoration do more harm than good? – While the idea of handling water damage restoration on your own may seem cost-effective, it can often do more harm than good. Professionals have the expertise and specialized equipment to assess the extent of the damage accurately and take the necessary steps for effective restoration. Attempting to tackle the restoration process without proper knowledge and equipment can worsen the damage, potentially leading to more significant expenses in the long run. Professional water damage restoration services offer peace of mind and ensure the job is done right.

Question: What are the benefits of hiring expert water damage restoration services? – When facing water damage, hiring expert restoration services offers several benefits. Professional restoration companies have trained technicians who can quickly assess the damage and devise a comprehensive restoration plan. They have access to advanced equipment and techniques that can efficiently extract water, dry affected areas, and eliminate potential health hazards like mold and mildew. Additionally, reputable companies provide insurance claim assistance and can coordinate with your insurance company, saving you time and stress during the restoration process.

Question: How do professional restoration companies handle water damage? – Professional restoration companies follow a systematic approach to efficiently handle water damage. Upon arrival, they conduct a thorough inspection to assess the extent of the damage and identify potential safety hazards. They then proceed to remove standing water using powerful pumps and extractors. Advanced drying techniques, such as dehumidifiers and high-speed air movers, are employed to remove moisture from surfaces and prevent mold growth. Once the area is thoroughly dried, they clean and disinfect affected areas to ensure a safe and healthy living environment. Finally, the restoration process involves repairing and restoring damaged materials, ensuring your property is back to its pre-loss condition.

Question: How can I find a reliable water damage restoration company? – To find a reliable water damage restoration company, consider the following tips:

• Ask for recommendations from friends, family, or insurance agents who have previously dealt with water damage restoration.
• Research multiple companies and compare their services, prices, and customer reviews.
• Verify that the company has proper licenses, certifications, and insurance coverage.
• Inquire about their availability for emergency services, as water damage requires immediate attention.
• Ask about the company’s communication process and their ability to provide regular updates throughout the restoration process.

Question: What is the step-by-step process of water damage restoration? – Restoring your property after water damage involves a step-by-step process to ensure a thorough and effective restoration. The process typically includes:

1. Inspection and assessment of the damage
2. Water extraction and removal
3. Drying and dehumidification of affected areas
4. Cleaning and disinfecting surfaces
5. Repairing and restoring damaged structures and materials
6. Monitoring and follow-up to ensure the restoration is successful.

Question: What are some common techniques and equipment used in water damage restoration? – Professional water damage restoration companies utilize various techniques and equipment to restore your property effectively. These may include:

• Moisture detectors and meters to identify hidden pockets of moisture
• Powerful pumps and extractors for water removal
• Industrial-grade dehumidifiers and air movers for efficient drying
• Ozone generators and fogging equipment for odor removal
• HEPA filters and antimicrobial solutions for mold remediation
• Structural repair tools and materials.

Useful Resources:

• https://www.epa.gov/mold
• https://www.iicrc.org/
• https://www.restorationindustry.org/
• https://www.fema.gov/
• https://www.nfpa.org/
• https://www.cdc.gov/mold/index.html
• https://www.icc-es.org/
• https://www.rd.usda.gov/

The Ghana Tourism Authority (GTA) in collaboration with the Public Service Workers Union of the Trades Union Congress (PSWU of TUC) and the Queen Mothers Foundation, have hosted a spectacular event, ‘Feast Ghana’, to celebrate May Day. The event, which took place at the Forecourt of the Accra International Conference Centre, brought together over 2,500 workers from various institutions in the public service to experience Ghana’s rich culture through food, music, and dance.

The event which is part of the Ghana Cares program that seeks to ressusicate the tiurism sector, was a taste sensation, with a display of Ghana’s diverse culinary landscapes featuring dishes from various regions of the country. Food stalls offered a wide range of local delicacies, while musical performances and concerts by renowned Ghanaian artistes such as Samini, Great Ampong, Naa Amanua of Wulomei, and others.

The Chief Executive Officer of the Ghana Tourism Authority, Mr. Akwasi Agyemang reiterated the GTA’s commitment to showcasing all aspects of the Ghanaian culture.

“Food, music, and dance are the rhythm of our culture, and we’re committed to using them to showcase the best of Ghana. Our ‘See Ghana, Eat Ghana, Feel Ghana, and Wear Ghana’ campaign is dedicated to promoting domestic tourism and sharing our unique heritage with the world, hence an event like Feast Ghana. We’re excited to continue celebrating and sharing our culture with the world.” – He stated.

Some distinguished personalities from the public service, the diplomatic community, and traditional authorities, including the queen mothers, graced the occasion. The queen mothers and other dignitaries were resplendent in their colourful traditional regalia, showcasing the rich cultural heritage of Ghana

The ‘Feast Ghana’ event offered a unique opportunity for public service workers to experience Ghana’s culture and cuisine. Most of the patrons were excited about the initiative and commended Ghana Tourism Authority and its partners for organizing such a memorable event, which will undoubtedly contribute to the promotion of domestic tourism and the preservation of Ghana’s cultural heritage.