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EMTECH Unveils Collaboration with The Bank of Ghana

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Emtech

EMTECH, a first-of-its-kind fintech for central banks, announced a partnership with the Central Bank of Ghana to deploy its Modern Central Bank Sandbox Platform™.

The Central Bank of Ghana confirmed the collaboration in a release. The partnership with the Bank of Ghana will leverage EMTECH’s software to test innovative solutions, including blockchain, while accelerating their time to market. This approach promotes new products and services, bridging the gap for unbanked and underbanked, and creates new pathways for the efficient and secure movement of money for individuals and organizations.

“EMTECH is proud to partner with the Bank of Ghana on its digital transformation journey, and I believe that our partnership establishes a template that other regulators and stakeholders can embrace as together we test and deploy the inclusive, robust central banking infrastructure of tomorrow. This is also a great opportunity for fintechs looking to engage as they aim to go to market,” said EMTECH founder and CEO Carmelle Cadet.

The Bank of Ghana said in its announcement that the sandbox will be available to banks, specialised deposit-taking institutions and payment service providers including dedicated electronic money issuers, as well as unregulated entities and persons that have innovations that meet the sandbox requirements. “EMTECH’s solution introduces process improvements to assist Central Banks in meeting their stated and implied strategic goals while enhancing timely, yet prudentially responsible, implementation,” EMTECH’s Chief Risk Officer, Diane Maurice, said.

Innovations eligible for the Bank of Ghana sandbox environment consider the following broad categories:

  • New digital business models not currently covered explicitly or implicitly under any regulation
  • New and immature digital financial service technology
  • Innovative digital financial services products that have the potential for addressing persistent financial and economic inclusion challenges

“The Bank of Ghana through this project, would like to reaffirm its commitment to addressing the financial inclusion needs of the unbanked and underserved persons and businesses,” according to the statement issued by the Bank of Ghana announcing its partnership with EMTECH.

Nigerian Herdsmen Continue Murdering Christians

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Nigerian Herdsmen

Islam’s genocidal war on non-Muslims continues unabated in Africa where Muslims continue to kill Christians just because they aren’t Muslim.

The most recent massacre in Nigeria this month was in the Central Plateau region.

David Mali, spokesman for the Irigwe Development Association (IDA) said, “Irigwe nation has again been thrown into the state of grief, heart-brokenness following the unwarranted killing of four of our Christian men by the Fulani herdsmen at two villages of Kwall District, Bassa LGA of Plateau state. Four of them from Rikwe-Chongu village were ambushed along Ri-Bakwa axis near Kpachudu, and three were killed instantly while one sustained gunshot injury. The other one from Zirshe (Ntireku) was ambushed and killed instantly.”

Mali identified the murdered Christians as Ezekiel Maja, 29; Emmanuel Agaba, 39; Moses Daburu, 26; and Kefas Bulus David, 31. Wounded was Bitrus Ezra, 42.

The Muslims also burned several houses and food grains.

“Irigwe nation is our land, and no amount of evil force can compel us to relinquish it to those who hate us and our Christian faith,” Mali said. “We are known for resilience, and so we shall remain till the end of age.”

The killings followed an attack by Muslims on Feb. 7 in the villages of Kishosho and Zirshe in southern Kaduna state’s Kauru County in which church elder Danlami Sunday, 40, and four other Christians were killed.

In Plateau state’s Miango area, in Bassa County, Fulani herdsmen on Feb. 2 ambushed and killed two Christians on a road in Dudu village.

Muslims in the region have killed hundreds of people and displaced thousands. The Islamic herdsmen are in conflict due to religion but also due to the climate crisis which is making it harder for them to practice their traditional herding lifestyle. Overpopulation is also a huge factor. Nigeria’s population has exploded from 30 million in 1952 to more than 200 million today. And it is not just Fulani herdsmen and local issues that help drive the violence, it is also Saudi Arabia and the international war industry/CIA that funds and directs international Islamic terrorism.

Across Africa, hardly a day goes by when Islamists haven’t killed someone for no reason other than the victim not being Muslim.

Oligarchs make more money from instability than stability. Conflict and violence drive arms sales and keeps wages low. Maintaining highly lethal armed paramilitaries also makes it easier to replace politicians who don’t provide favorable treatment to multinational criminal corporations.

One of the ways that the oligarchs perpetuate conflict is by stamping out criticism of Islam so that it continues to spread and takes more and more victims.

Design-build Contract Awarded for Morocco’s First High Speed Train Line

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Morocco High Speed Train

Colas Rail and its subsidiary Colas Rail Maroc, as part of a consortium with Egis Rail, won the design-build contract for a 185-kilometer long double track high speed train line between Tangiers and Kenitra in Morocco.

The work involves track (studies and construction), catenary systems and two work site facilities (studies, supply of materials, construction).

The total contract value amounts to 136 million euros, of which 124 million euros are earmarked for Colas Rail and Colas Rail Maroc.

With work slated to last 42 months, the line is scheduled to open during the first half-year 2016.

Colas Rail has thus chalked up yet another successful endeavor in the MENA region (Middle East, North Africa), following the longstanding metro project in Cairo, Egypt, as well as the construction of tramways in Rabat and Casablanca, Morocco.

The Group has also recently been awarded contracts for the extension of the Algiers metro in Algeria (end 2012) and the Tunis Rapid Train Network in Tunisia (beginning 2013).

COLAS Djibouti SARL Agrees to Settle False Claims Act Allegations for $3.9 Million

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Concrete contractor COLAS Djibouti SARL (Colas Djibouti), ­has agreed to resolve for $3.9 million civil allegations that it violated the False Claims Act by selling substandard concrete used to construct U.S. Navy airfields in the Republic of Djibouti, the Department of Justice recently announced.

Colas Djibouti, a French limited liability company, is a wholly owned subsidiary of Colas SA, a French civil engineering company.

The civil settlement announced resolves allegations that Colas Djibouti knowingly provided contractually non-compliant concrete that did not meet gradation requirements, contained excessive alkali-silica reactive material, and contained elevated chloride content. These conditions had the potential to promote early-age cracking, surface defects, and the corrosion of embedded steel, and thus, could significantly impair the long-term durability of the concrete utilized on U.S. military bases.

In addition to the civil settlement, U.S. Attorney Robert S. Brewer for the Southern District of California announced a separate Deferred Prosecution Agreement (DPA) with Colas Djibouti pursuant to which Colas Djibouti will admit to the underlying facts and accept responsibility to a one-count information for conspiracy to commit wire fraud and pay a $12,542,002 monetary penalty, comprised of a fine, forfeiture, and restitution. The civil settlement will credit $1,957,998 of Colas Djibouti’s payment under the DPA, and require an additional payment of $1,957,998.

“Government contractors that supply substandard materials to our armed forces not only cheat the American taxpayers but also impose added costs and burdens on the military,” said Acting Assistant Attorney General Brian M. Boynton for the Department of Justice’s Civil Division. “Today’s settlement demonstrates our commitment to ensure that those who do business with the government comply with their contractual obligations.”

This civil settlement was the result of a coordinated effort among the Civil Division’s Commercial Litigation Branch (Fraud Section), the U.S. Attorney’s Office for the Southern District of California, the DCIS, the NCIS, and the Defense Contract Audit Agency – Operations Investigative Support Division.

Samaritan’s Purse Strives to Diminish Malnutrition in Ethiopia

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The food crisis in Ethiopia has caused a spike in malnutrition and could get worse very soon. Samaritan’s Purse is airlifting supplemental food for children and families, which could solve the issue for thirty more days.

Samaritan’s Purse, an international Christian relief organization, is airlifting life-saving food to children suffering in northern Ethiopia. Months of internal conflict within the country have left millions without access to basic necessities. The situation is dire, and tens of thousands of children are at risk of acute malnutrition.

Today, Samaritan’s Purse is transporting 1,800 cases of ready-to-use supplemental food to Ethiopia’s affected areas—enough to meet the nutritional needs of 18,000 children for 30 days. This supplementary food is critical for children at risk of acute malnutrition because it is specially developed to contain the right nutrients and protein to ensure a child’s needs are met.

“Ethiopian families in Tigray are in trouble. They are struggling to feed their children after months of endless conflict depleted local resources,” said Franklin Graham, president of Samaritan’s Purse. “We are seeing extreme needs—children are malnourished, families are hungry, and millions are suffering. Please pray for these families—that we can reach the most vulnerable people with life-saving support, feed the hungry, and do it all in Jesus’ Name.”

Disaster response specialists are already on the ground in Tigray, working alongside local church partners and in coordination with the World Food Programme to meet people’s greatest needs. In addition to the airlift, Samaritan’s Purse is trucking in enough food parcels to feed 1,000 families for 30 days. These packages include rice, wheat flour, beans, oil, and salt.

Supersapiens and Team Qhubeka ASSOS from South Africa Partner for 2021 Season

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Atlanta-based sports technology company Supersapiens and Team Qhubeka ASSOS, a UCI WorldTeam cycling team based in South Africa, have partnered for the 2021 race season.

Supersapiens, the first direct-to-consumer energy management ecosystem, utilizes the Abbott Libre Sense Glucose Sport Biosensor, the first glucose sport biosensor designed specifically for athletic performance, to help the team manage their fueling strategies in training, racing, and recovery.

Team Qhubeka ASSOS, formerly NTT Pro Cycling, is Africa’s only UCI-registered WorldTour cycling team. In 2020, the global outfit won the first virtual Tour De France. The team signed some of the world’s best athletes for 2021 including Domenico Pozzovivo (Italy), Giacomo Nizzolo (Italy), Sergio Henao (Colombia), and Fabio Aru (Italy).

With the Supersapiens app paired to the Abbott Libre Sense Glucose Sport Biosensor, Team Qhubeka ASSOS riders and staff will learn and train with real-time fueling data and powerful retrospective analysis tools. Continuous glucose monitoring will allow team riders to better understand their body’s individual fueling requirements, discover stable and sustainable fuel sources, dial in their pre-race glucose loading strategy, and maintain their optimal fuel ranges during races — allowing their body to put out it’s maximum effort without concern for running out of energy.

“Our team name Qhubeka means ‘to progress’ or ‘to move forward’ in Nguni,” said Doug Ryder, team founder and principal. “Not only will our team be focused on raising funds to purchase bicycles that will be used to improve lives, our partnership with Supersapiens also gives us new insight to better glucose management. This information and what we learn, will be shared with the company and improve performance for athletes around the world. All of this is true progression.”

Team Qhubeka ASSOS will also kick off an affiliate program with Supersapiens. Athletes in the eight countries where Supersapiens is available can purchase the ecosystems and a portion of the sales will support the team and their mission to improve lives via bicycles.

The Supersapiens ecosystem includes the Abbott Libre Sense Glucose Sport Biosensor, the Supersapiens app, and a wrist wearable device in the final stages of development that displays data from the biosensor in real time. The app continuously tracks glucose data and allows athletes to create Events — workouts or races, meals, and rest — so they can correlate specific glucose levels with their body’s physiological performance during racing, training, and recovery. And the Education Hub offers deep and insightful information to help athletes better understand glucose and the impact it has on performance, so anyone can learn how to optimize fueling for sustained performance.

GE To Supply Gas Power Generation Equipment for 300 MW Power Plant in Senegal

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GE announced that it has secured an order to supply gas power generation equipment for West Africa Energy’s 300 megawatt (MW) combined-cycle power project in Cap des Biches, Dakar, Senegal.

Upon completion, the Cap des Biches plant will be the biggest power plant in the country and is expected to generate nearly 25% of the power consumed, providing the equivalent electricity needed to power up to 500,000 Senegalese homes.

The plant is expected to begin operations in phases starting in 2022, enhancing universal access to electricity and supporting the Senegalese Government’s target to increase its generation capacity with a greater utilization of natural gas and renewables.

“We are pleased to collaborate with GE to deliver reliable and efficient gas turbines to Senegal, aligned with the country’s strategy on gas to power under the leadership of President Macky Sall to develop the energy sector that will be critical for the development of strategic sectors of the economy, while actively driving localization initiatives,” said Samuel Sarr, CEO of West African Energy. “Once completed, the project will also go a long way in reducing the cost of electricity in the country,” he added.

GE will supply two 9E.03 gas turbines, one STF-A200 steam turbine, three A39 generators, two Heat Recovery Steam Generators (HRSG) and additional balance of plant equipment as part of the project scope.

Cap des Biches combined-cycle gas turbine power plant is being developed by Senegal’s West African Energy and will be built by Turkish engineering, procurement, and construction (EPC) company, Calik Enerji. 

A Guide to Understanding HMO and PPO Plans

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Choosing a health insurance plan can be tricky if you don’t know the differences between the various types. Each one comes with unique pros and cons, costs, and other factors that’ll ultimately affect your decision.

An HMO and a PPO plan are the most popular kinds, but there are also HDHPs, POS’s, and EPOs. In this guide, we’ll explain the top two in more detail. Once you know what to expect, you’ll be able to decide what’s better for your lifestyle, your pocket, and your needs.

What to Consider

When you’re comparing health plan options, there are a few factors to keep in mind. After all, it’s a personal decision that’ll impact every aspect of your life.

Your Health

If you’re immunocompromised or suffer from a chronic condition, you’ll likely need more comprehensive cover. If not, you might prefer an option that’s cheaper but has fewer benefits.

Your Family’s Health

Similarly, you’ll need to consider your family’s health requirements. That’ll help you decide whether a group or individual plan is best for your loved ones.

Finances

Apart from your monthly premium, the healthcare plan you choose will also come with deductibles and co-payments. Extra expenses could derail your budget, so it’s vital to consider all financial aspects.

Generally, a higher monthly payment means lower out-of-pocket costs and vice versa. If you’re opting for a plan on the Health Insurance Marketplace, then it’s also worth finding out if you qualify for any premium tax credits.

Flexibility

If you need to see a specialist regularly, then you’ll probably want a plan that doesn’t require a referral each time. Similarly, you might have your own doctor and other health care providers. Do they accept the kind of insurance you have?

What Is an HMO Plan?

A health maintenance organization (HMO) plan makes up more than half of all marketplace options, but only around 19% of employee healthcare offerings. Generally, it comes with lower premiums than a PPO, but a smaller network of hospitals and medical professionals.

You’ll also have to choose a primary care physician (PCP) who coordinates your care. This means you’ll need a referral to see a specialist. If you already have a doctor, it’s a good idea to check whether they’re included in your network.

If not, then start by exploring your options and choosing a PCP carefully. They’ll be responsible for all your medical needs, so it’s crucial to find one that ticks all the boxes.

An HMO plan doesn’t usually allow you to seek medical care outside of your network or without a referral. If you do, then you’ll be liable to pay the expenses yourself. However, you’ll still be covered in an emergency.

HMOs typically come with deductibles, which is the amount you pay before your coverage kicks in. However, it’s usually lower than other plans.

An HMO might be the right choice, if:

  • Your doctor or specialists are already a part of the network
  • You seldom need referrals
  • You’re content with the limitations

What Is a PPO Plan?

A preferred provider organization (PPO) plan ordinarily has much higher premiums and deductibles than an HMO. However, it offers more flexibility when it comes to choosing healthcare providers.

Around 49% of the workforce uses an employer-based PPO. Individual plans are significantly lower, at about 15%.

A PPO plan allows you to use both in and out of network providers, although the latter will still cost you more. You can also see a specialist without getting a referral.

However, expensive services might require pre-authorization. This means you’ll first need to get approval from your insurance provider.

PPOs also include an out-of-pocket maximum for in-network treatment or care. The amount varies, so it’s prudent to check this when you’re looking for a plan.

This kind of healthcare policy is less restrictive than an HMO but more expensive. While you’ll have a much more extensive list of available providers, your cover will only kick in once the deductible limit is reached.

It’s up to you to decide whether the costs justify the flexibility or if you’ll still get sufficient coverage with an HMO plan that has lower premiums.

PPOs could be an ideal choice if:

  • You prefer the freedom to choose healthcare providers from a wider network
  • You see specialists regularly and don’t want a referral every time
  • You’d rather pay a higher premium to get more flexibility

Choose the Plan That’s Right for You

Health insurance can seem confusing at first, but you can refine your options once you understand the fundamentals. HMO and PPO plans are two of the most common types, although they differ significantly.

Before making a decision, consider your health, your family’s medical needs, finances, and the kind of flexibility you want. An HMO plan might be cheaper, but it comes with restrictions. Conversely, a PPO costs more but gives you greater freedom.

Do your homework, compare options, and find out what in-network providers are close by. This will help you choose the plan that suits your needs, your budget, and your lifestyle.

Our 9-Step Guide to Budgeting Your Money in College

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Looking for ways to save money while in college? Read this! These budgeting tips for college students will help you survive school, even with limited income.

Budgeting in college is an excellent way to start making positive financial decisions. If you set yourself up for success while in school, it’ll help you maintain good habits later on.

Learn how to budget your money now, and you’ll be able to pay off loans and put money away in savings. If you’re successful, you’ll have extra money for fun, too!

Hey, no one said you couldn’t have a little fun, even though you’re busy with your education!

But before you can do that, it’s essential to learn how to keep track of your finances. Here’s a walkthrough on how to budget your money and make wise financial decisions.

1. Take Inventory of Funds Coming In 

It’s hard to make smart spending decisions if you don’t know how much money you have. Take some time to figure out how much money you have to work with every week and beyond.

Your funds may include: 

● Money from scholarships, loans, and grants

● Cash from a part-time job

● A stipend for being a resident assistant

● Savings account money

● An allowance from your parents

● Cash from a side gig, such as tutoring

Knowing how much money you have will tell you how much money you need to budget moving forward.

Figure out how much to spend and save based on your current allowance and bills. If things change, make sure to adjust your budget.

2. Use Leftover Financial Aid Carefully 

If you have student loans, you may have some leftover funds to use for personal expenses. With any leftover money, be careful about how you spend it.

First, apply your financial aid money to tuition and fees. With anything remaining, it’d be smart to spend it on things like transportation and textbooks.

If you still have some money left after that, spend it on personal items. But, think twice before splurging on movie tickets or going out to dinner.

Remember that you’ll have to pay off the loan, which is why you should be selective about how you spend the money.

3. Get a Roommate

If you live in an apartment away from campus, consider getting a roommate. You might enjoy living solo, but living with roommates has one major perk:

You can save more money!

By splitting the cost of rent with someone else, you’ll have a higher balance in your bank account at the end of each month. And if you split groceries, electricity, and other expenses, you can save even more.

Save on living expenses, and you’ll have extra money to spend on other things.

Now, when you look for a roommate, make sure they’re financially responsible. The last thing you need is to find out your new roommate can’t pay rent.

Also, try to find someone you get along with. If you can find someone who you enjoy being around, that’s ideal.

Finding a roommate shouldn’t be hard. After all, you’re probably not the only person on campus who wants to save on rent!

4. Don’t Spend a Lot on Food  

We know how tempting it is to spend a lot of money on food, especially if you live in an area with a lot of great restaurants.

Plus, if you’re a social person, it’s natural to want to eat and drink around other people.

But if your friends like to go out to dinner a lot, you should forgo the expensive meals. That doesn’t mean you can’t go out with friends. But, be careful about what you order.

Consider splitting a meal with a friend. Or, only go out to eat on discount nights. There are a lot of ways you can still have fun without spending a ton of money.

Of course, you need to eat. Budget your finances so you can eat healthy and affordable meals. Don’t give in to pressure to spend a lot on food when you can make meals at home.

Plus, there’s always the option of eating in the college cafeteria. If you have a meal plan, that’s definitely the most cost-effective option.

If you don’t have a meal plan, take a look at the prices in your cafeteria. Some college cafeterias are very expensive, so you might never want to eat there.

Don’t sacrifice nutrition to save money, but do save on food whenever possible. It’ll be worth it!

5. Cut the Cord (on Cable)  

Don’t spend $100 a month on cable! That’s highway robbery!

Instead, cut the cord and subscribe to a streaming service like Netflix.

If you can’t live without TV, there are other options, such as SlingTV and AT&T TV Now.

Do some comparison shopping based on the channels and shows you like to watch. If you mainly watch television shows, then Hulu or Amazon Prime might be a good fit for you. If movies are more your thing, then Netflix might be the ticket.

Also, consider sharing a streaming account with your roommates. Most services allow you to have multiple users on an account, so you can have entertainment access for just a few bucks a month.

You may not be able to watch everything your little heart desires. But that’s what Redbox is for. There’s a Redbox location in nearly every college town, so you can swing by and pick up a DVD whenever you want to see the latest releases.

It’s important to have some entertainment, but not if your wallet suffers.

6. Pay Your Credit Cards on Time 

Do you have credit cards? Pay your bills every month! And pay them on time, too, or you’ll get smacked with late fees.

If you procrastinate on payments, it will affect your credit. You don’t want to leave college with a bad credit score!

You’re probably already in debt from college tuition. So, the last thing you want is to be indebted to the credit card companies, too. Therefore, it’s crucial to pay your bills by (or even before) the due date.

If you can’t pay off the balance in its entirety by the due date, at least pay the minimum.

Also: 

You may be tempted to put extra expenses on credit cards, but it’s best not to do that. The more you put on your card, the more you’ll be responsible for at the end of the month.

Having one or two credit cards is smart to build your credit. What’s not smart is allowing the convenience of credit cards to drive you into debt.

Be smart about credit card spending, and don’t do anything now that you’ll regret in the future.

7. Make Your Own Coffee  

Can’t live without your coffee? We get it.

No matter how old you are, there’s nothing like a tasty cup of Joe! It helps to wake you up and gets you off to a good start every morning. And, as a college student, coffee can be your saving grace during those long nights of studying.

However, coffee can put a big dent in your wallet.

If you only drink expensive cups from Starbucks or a local coffee shop, you may be wasting money.

Sure it’s nice to head to Starbucks in the morning, but spending $2 or more on coffee will add up over time.

To solve this, only treat yourself to Starbucks coffee when you have something to celebrate. Or, give yourself a weekly coffee allowance so you won’t overspend.

Making coffee at your apartment is a better alternative to buying a coffee every day.

Do the math, and you’ll quickly realize how much those daily coffees cost!

8. Use a Tracking Tool

One of the best ways to track your finances is to log your expenses.

Digital tracking tools can help you see how much you’re spending. All you have to do is download one to your phone and use it to track your purchases.

Here are a few budgeting apps to check out:

EveryDollar, which is excellent for zero-based budgeting.

Clarity Money keeps track of every dollar you spend.

Mint is fantastic at encouraging you to save money.

PocketGuard provides a nice snapshot of your budget.

Goodbudget is ideal if you like envelope-budgeting.

Tracking tools are useful in more ways than one. They’ll help you keep yourself accountable, but they’ll also warn you when you’re close to your spending limit.

Observe your money habits and figure out ways to save. See which items are costing you the most. This should incentivize you to cut back or figure out cheaper alternatives.

If you spend a lot on movie tickets, for example, you may need to limit yourself. Instead, wait until it comes out on DVD and catch it on Netflix or Redbox. That’s a lot cheaper than movie tickets these days!

9. Have an Emergency Fund 

Yes, your budget should also include an emergency fund.

If you end up in a bind and have a tight month, an emergency fund will come in handy.

As we’ve been discussing, it’s crucial to find ways to spend less. Whether it’s cutting down on your food bill or riding your bike to school instead of driving, there are things you can do to save cash.

When you do spend less money, reward yourself by putting some of that cash in the bank. Set up an emergency fund and don’t touch it unless absolutely necessary. There’s a reason it’s called an emergency fund, not an “I’m going to borrow some money whenever I feel like it,” fund.

So, whenever possible, put some money away and save it for a rainy day. You never know when it may come in handy!

Bonus: Automate Your Investments

Don’t wait until you graduate to start investing your money. By investing during college, you can get a headstart on your financial future.

If you’re not sure where to start, take a class at school or online.

Or, if you have a friend or family member who’s willing to coach you, take them up on their offer. You might even know a finance major who can give you some advice. There’s also the option of getting a financial advisor.

Whether you get help or decide to go solo, do your research. You should make sound investment decisions that will benefit your future.

When you start investing, set your account up so it automatically withdraws funds from your bank every month. That way, you won’t be tempted to spend your investment money on anything else.

Remember, consistency is key! Religiously invest money every month and, within a few years, you’ll have a nice little nest egg.

In Conclusion 

It may seem impossible to graduate free of debt. But if you budget well, you’ll be pleasantly surprised. You might still have student loans, but at least you can keep them down or start paying them off while you’re in school.

Your financial decisions will determine your spending habits in the future. So, start making positive decisions today.

As a reminder, here are a few ways to budget your money while you’re in college:

● Take an inventory of your income

● Use your financial aid wisely

● Live with a roommate to save on living costs

● Limit the amount you spend on food

● Get rid of cable and subscribe to a streaming service

● Pay your credit card bills on time

● Make coffee at home

● Use an app to track your spending

● Keep an emergency fund

● Invest your money in stocks or other outlets

There are many other ways to save money that we didn’t cover in this article, so keep looking for new ways to cut costs.

Come up with a money-saving plan of attack and stick with it throughout your college years. By successfully budgeting, you’ll come out with a shiny degree AND some money in the bank!

Middle East Countries Buying Women from Africa as Slaves Exposing them to Torture

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The death of a Ghanaian domestic worker in Lebanon has brought the Kafala system into the spotlight for all the wrong reasons.

The Kafala system is an exploitative system used to monitor migrant laborers, working primarily in the construction and domestic sectors in the Gulf cooperation council member states and a few neighboring countries like Bahrain, Jordan, Kuwait, Lebanon, Qatar, Oman, Saudi Arabia, and the United Arab Emirates.

The system gives the employer total authority over the employes. They have the power over the visa and legality of the employee by the basis of being the employee’s in-country sponsor. In most cases, this has led to employers confiscating the passports of their employees and abusing them. The kafala system leaves the employees vulnerable to their employers who provide them with accommodation food and sponsor for their visas.

the domestic worker’s salaries are withheld during the first months of employment as a way of repaying the employer for the visa and flight tickets. This means the employee works for food and shelter in their first month. Most migrant workers in the region are found in Africa and Asia. It is evident that the conditions under which the employees work and live in are extremely similar to slavery. They are being subjected to physical abuse, having no autonomy over movements within the country of and sometimes work without being paid.

Faustina Tay, a Ghanaian domestic worker’s death is just one of many deaths that occur to the domestic workers tied down in the Kafala system. Her body was found between 3 – 4 am on the 14th of March 2020 under her employer’s fourth storey room home in Beirut’s southern suburbs. Fewer than 24 hours earlier, Tay had been sending messages to an activist group for domestic workers under the kafala system, about the abuse she was suffering at the hands of her Lebanese employers. Her death was ruled out by investigating authorities as suicide. Tay’s story is not unique but just reveals the lengths the authorities are willing to go to sweep the deaths of migrant workers under the kafala system under the carpet. According to the country’s intelligence agency, two domestic workers die every week, but the judiciary is never seen to serve justice for these deaths. Despite the messages and pictures, Tay sent along with over 40 minutes of voice messages documenting her abuse the police will not investigate the death or the alleged abuse.

Authorities with the requisite power to investigate and serve justice for the abusive system are nonchalant and do not want to decisively tackle the matter.

Amnesty International has termed the system as “inherently abusive” because if the employer chooses to terminate the contract, even in cases of abuse, the visa sponsorship is immediately revoked, turning the migrant workers into illegal aliens, and leaving them at the risk of being arrest and deportation.

The late Faustina Tay used to run a small noodle business in Accra (Ghana). Her messages to her family and the activist group shows that she regretted her decision.

If the kafala system is not abolished it will leave multiple people who are unaware of the evils within it vulnerable to be victims of the same. Africans sign up and are recruited in hope of making an honest living but instead find themselves reduced in value and self-worth. Faustina’s story tells a story that is way too familiar to African history. She was abused even by her employer’s children and occasionally had her phone confiscated.

States like Bahrain have repealed the Kafala system giving the migrant workers a bit more autonomy because their visas are sponsored by the Labour Market Regulation Authority. Although there are still practical aspects that still require attention it is a step in the right direction.

The kafala system should be abolished because it is clearly modern-day slavery and constantly subjects African migrant workers to an experience that should be left in a sad part in the history of mankind.