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Celebrities / Mp3 Download: Rema - HEHEHE by 9JAREALESTATE: 9:09am On Jul 08
Rema is back, and he's not holding back. Fresh from the success of his hit collaboration "BENIN BOYS" with Shallipopi, Rema drops another bombshell on the Afrobeats scene with his latest single, "HEHEHE".

This track isn't just another song; it's a fierce declaration of dominance and a playful clapback at his critics.

The Creative Mastermind Behind HEHEHE


Rema isn't just the voice behind "HEHEHE"; he's also deeply involved in its creation. Teaming up with talented producers like Producer X, Cubeatz, Deats, and Klimperboy, Rema steps behind the board, showcasing his multifaceted talent.

His co-production credit highlights his growing artistic maturity and desire to control his sonic palette, making "HEHEHE" a true representation of his creative vision.

From the very first line, "Monday morning talking 'bout me while I'm making money, hehehehehe," Rema sets a confident and playful tone.

Rema doesn't shy away from making bold claims. With lyrics like "No more big 3, there's now a big 4," he asserts his place among the top Afrobeats artists in the world alongside Wizkid, Burna Boy & Davido.

Download Here: https://africafactszone.com/remas-hehehe-the-bold-clapback-track/

Jobs/Vacancies / Social Media Manager Remote Job At Recurrent Ventures ($24/hr) by 9JAREALESTATE: 5:19am On Jun 23
Recurrent Ventures is an innovative digital media company that is challenging the media landscape with its proprietary approach. Its best-in-class brands like Popular Science, Domino, Outdoor Life, The Drive, Donut, Dwell, Task & Purpose, and more, engage a combined audience of more than 70 million monthly visitors.

Initially founded in 2018, the portfolio rapidly expanded and today we have more than 15 brands across automotive, home, outdoors, science, technology, and military verticals. Recurrent is a virtual first organization that is headquartered in Miami with offices in New York and Los Angeles.

The Opportunity

The Drive, one of the internet’s most-read and watched publications covering car culture, automotive news, technology trends, and more, is seeking a Social Media Manager to spearhead its audience development and engagement initiatives.

The ideal Social Media Manager candidate is data-driven and creative, obsessed with cars and the machines that move us, and has a proven track record of growing and engaging with audiences on social platforms.

Reporting directly to the Audience Development Director, the Social Media Manager will package stories for various social media platforms; develop social media-specific content, including video; assist with newsletter deployment and related email growth initiatives; find new ways to reach audiences on Instagram, Facebook, TikTok, and other avenues; and track online trends and developing stories on social media platforms.

We’re after someone with journalistic sensibilities who is comfortable in a fast-paced, startup-like environment. The right Social Media Manager will help develop The Drive’s voice on social media platforms and use data to make informed decisions about how and where to meet our audiences next.

Apply Here: https://africafactszone.com/social-media-manager-remote-job-at-recurrent-ventures/

Jobs/Vacancies / Marketing Manager At Growth Project (remote Work $1,700/month) by 9JAREALESTATE: 10:47am On Jun 18
Are you a seasoned marketer with a flair for creativity and strategy? Our client, a leading provider of innovative selfie booth solutions, is on the lookout for a dynamic Marketing Manager.

This exciting role involves crafting marketing and brand strategies, managing content creation, and ensuring the brand's voice resonates across all channels.

About the Role

Location and Working Hours

Location: Fully-Remote (Work from Home)
Working Hours: 9 AM – 5 PM PST

Key Responsibilities

As the Marketing Manager, you'll be at the helm of the company's marketing efforts. Here's a breakdown of what you'll be doing:

Marketing Strategy

Lead Strategy Development: Formulate comprehensive marketing and brand strategies aimed at driving business growth and enhancing brand awareness.

Social Media Management

Platform Management: Oversee social media platforms such as Instagram, TikTok, and more. Plan and schedule engaging content, interact with followers, and monitor performance metrics.

Content Creation


Develop Engaging Content: Create marketing content for various channels, including social media posts, marketing copy, messaging, and email campaigns. Experience with Canva is advantageous but not required.

Campaign Implementation

Execute Campaigns: Implement marketing campaigns across multiple channels. Measure their effectiveness using relevant metrics and KPIs.

Online Presence

Enhance Online Presence: Develop and execute strategies to establish a robust online presence and ensure effective brand positioning in the market.

Email Marketing

Engage via Email: Utilize email marketing tools to create and send engaging email campaigns and newsletters. Segment audiences and analyze campaign performance.

Copywriting

Craft Compelling Copy: Write persuasive copy for landing pages, advertisements, and promotional materials to drive conversions and engagement.

Apply Here: https://africafactszone.com/marketing-manager-at-growth-project/
Jobs/Vacancies / Internship Program 2024 At Nethermind (remote Job $6.25/hr) by 9JAREALESTATE: 9:42am On Jun 18
Nethermind is a dynamic team of builders and researchers dedicated to empowering enterprises and developers worldwide to access and build on decentralized systems.

With a diverse array of expertise spanning Ethereum and Starknet protocol engineering, layer-2 solutions, cryptography, protocol research, decentralized finance (DeFi), security auditing, formal verification, real-time monitoring, smart contract development, and dapps and enterprise engineering, Nethermind is at the forefront of solving some of the most challenging problems in the blockchain space.

Collaborative Excellence with Industry Leaders

Our work often involves close collaboration with prominent organizations such as the Ethereum Foundation, Starknet Foundation, Gnosis Chain, Flashbots, Forta Protocol, Lido, EigenLayer, Open Zeppelin, RISCZero, Aleph Zero, and many others.

These partnerships underscore our commitment to advancing blockchain technology and fostering innovation across the industry.

A Global Presence

Today, Nethermind boasts a robust team of over 350 professionals working remotely from more than 66 countries. This global presence allows us to bring together diverse perspectives and expertise, driving forward our mission to make decentralized systems accessible to all.

Join Our Team: Open Positions at Nethermind

Are you passionate about blockchain technology and eager to make a meaningful impact in the industry? We invite you to explore our open positions and consider joining our team of dedicated professionals.

Whether you're an experienced engineer, researcher, or looking to grow your skills in our operational departments, Nethermind offers exciting opportunities to contribute to groundbreaking projects.

Apply Here: https://africafactszone.com/internship-program-2024-at-nethermind/

Music/Radio / Taves - A Million Things Download Mp3 by 9JAREALESTATE: 11:53am On Jun 14
The multi-talented Nigerian music singer and songwriter, Tave, has kicked off the second quarter of 2024 with a bang, dropping his latest track, "A Million Things."

This song is a testament to Tave's undeniable talent and versatility, showcasing his ability to craft infectious beats and compelling lyrics that resonate deeply with his audience....

Who is Tave?

At just 20 years old, Aluko Toluwanimi, known by his stage name Taves, is making waves with his unique sound and undeniable talent. Hailing from Ibadan, the Oyo State capital, Taves has quickly emerged as a promising force in the music industry

Tave is one of Nigeria's brightest new talents, making waves in the music industry with his unique sound and captivating performances.

His journey from an aspiring artist to a recognized name in the Nigerian music scene has been marked by hard work, creativity, and a passion for music that is evident in every track he releases like bodija and folake.

Discovering a Star

Taves' journey into the spotlight began in an unexpected way. Nigerien artist BNXN, formerly known as Buju, stumbled upon Taves’ cover of his track "For Days."

Impressed by the young talent’s distinct vocals, BNXN saw potential in Taves and decided to mentor him.

This mentorship has been pivotal in guiding Taves on his musical odyssey, helping him refine his craft and navigate the complexities of the music industry.

"A Million Things"

"A Million Things" is not just a song; it's an experience. From the moment the beat drops, listeners are hooked by its infectious rhythm and Tave's smooth vocals.

The lyrics are both poignant and relatable, touching on themes of love and ambition.

Download Here: https://africafactszone.com/taves-a-million-things/
Celebrities / J Cole - "Pricey" Ft Young Dro & Gucci Mane Download & Listen by 9JAREALESTATE: 11:05am On Apr 08
In a display of unmatched lyrical prowess, J. Cole kicks off his much-anticipated project, "Might Delete Later," with a track that's both a statement and a masterpiece.

"Pricey", the song, marked by its haunting instrumental, lays the perfect groundwork for what can only be described as a lyrical onslaught by Cole.

Download & Listen: https://africafactszone.com/j-cole-pricey/

Celebrities / Chike – Egwu Ft Mohbad Mp3 Music Download + Lyrics by 9JAREALESTATE: 9:44am On Mar 20
"Egwu" effortlessly blends various musical elements to create a unique and refreshing sound.

From the moment the song begins, listeners are transported into a world of rhythm and melody, unable to resist the urge to sway along to the beat.

Chike's masterful delivery of heartfelt lyrics adds depth and emotion to the track, further enhancing its allure.

Dynamic Collaboration with Mohbad:

Adding to the allure of "Egwu" is the collaboration with award-winning artist Mohbad. Known for his distinctive style and lyrical prowess, Mohbad delivers a powerful verse that complements Chike's vocals seamlessly.

Download Here:
https://africafactszone.com/chike-egwu-ft-mohbad/

Together, the duo creates a musical synergy that captivates audiences and elevates the overall appeal of the song.

Celebrities / Drake – Rich Baby Daddy Ft Sexyy Red & SZA Mp3 Music Download by 9JAREALESTATE: 9:10am On Mar 20
Renowned Canadian rapper and musical genius, Drake, has once again set the music scene ablaze with his latest release, "Rich Baby Daddy".

This captivating track is a must-have addition to your playlist, showcasing Drake's unmatched artistry and creativity.

Serving as the lead single for his highly anticipated 2023 album, "For All The Dogs," "Rich Baby Daddy" is poised to make a lasting impact on listeners worldwide.

A Standout Track in "For All The Dogs"

"Rich Baby Daddy" takes its place as the 20th track in Drake's impressive collection of 23 songs in "For All The Dogs."

Each song in this project highlights Drake's versatility and ability to captivate audiences with his unique sound and lyrical prowess.


Collaboration with Award-Winning Artists

What sets this record apart is the collaboration with award-winning superstars Sexyy Red and SZA. These talented artists bring their distinct styles to the track, delivering scintillating verses that perfectly complement Drake's musical vision.

Download Below:
https://africafactszone.com/drake-rich-baby-daddy/

TV/Movies / Mp3 Music Download: Rema – Calm Down + Lyrics by 9JAREALESTATE: 4:25pm On Feb 18
Nigerian and international sensation Rema has kicked off the new year with a bang, releasing a captivating new track titled “Calm Down” to the delight of his fans worldwide. The song, which dropped just a few hours ago, is already creating a massive buzz in Nigeria and beyond.

Born Divine Ikubor, Rema shot to fame with his hit single “Iron Man,” which earned a coveted spot on former U.S. President Barack Obama‘s 2019 summer playlist.


Signed to Mavin Records, Rema continues to impress with his unique blend of singing and rapping skills.

Click Here to Join Our Telegram Group for Latest Music & Updates Across Africa
As he gears up for an exciting year ahead, Rema treats his audience to the mesmerizing sounds of “Calm Down,” a testament to his evolving artistry.


With anticipation building for his upcoming project, this latest release is just a taste of what’s to come from the talented artist.


“Calm Down” is already making waves on platforms like AfricaFactsZone.com solidifying its place as a must-have addition to any playlist.


Rema’s musical prowess shines through once again, promising listeners an unforgettable experience with each play.

Download Here: https://africafactszone.com/rema-calm-down-mp3-music-download/
Literature / What Constitutes High-quality Guest Blogging? by 9JAREALESTATE: 3:51pm On Feb 18
Crafting a high-quality guest blog hinges on providing value to your audience rather than promoting yourself overtly.

Like any inbound content, your guest posts should aim to educate readers, not push your product or service. While it’s acceptable to feature your offerings if they’re relevant to the topic, focus on delivering helpful, actionable information rather than selling yourself.


The primary goal is to establish yourself as an authority in your field, introduce your name to a new audience, and foster genuine relationships with other bloggers or businesses.

Consider these additional tips to refine your guest blogging strategy:

Create a clear, concise author bio: Since many platforms restrict promotional links within the main body of the blog, your bio becomes crucial for linking back to your website. Make it informative and engaging.

Send your pitch Guest Post Pitch to us at info@africafactszone.com or africafactzone@gmail.com

Incorporate relevant internal links: Include at least one internal link to the host company’s previous blog posts within your guest post. This demonstrates your research efforts and boosts their authority and traffic, benefiting both parties.

Conclude each post with a call-to-action prompting readers to leave comments. Engaging with your audience in this way not only fosters interaction but also enhances the post’s visibility in SEO searches as more people engage with it.

Continue Reading: https://africafactszone.com/high-quality-guest-blogging/
Politics / Ghana To Implement Visa-free Travel For Africans By The End Of 2024 by 9JAREALESTATE: 8:50am On Feb 14
Ghana's announcement of plans to institute a visa-free entry policy for all African visitors by the end of 2024 marks a significant step towards fostering continental unity and prosperity.

President Nana Addo Dankwa Akufo-Addo made this declaration during the 2024 Africa Prosperity Dialogue held in Ghana, emphasizing the imperative of facilitating free movement of people, goods, and services across the continent.

This initiative is aimed at harnessing the benefits of increased trade to propel Africa towards economic transformation.

Continue Reading Here: https://africafactszone.com/visa-free-travel-for-africans/

Politics / Landmark Agreement Paves Way For UK Lawyers To Practice Law In Nigeria by 9JAREALESTATE: 8:12am On Feb 14
The partnership between Nigeria and the United Kingdom, known as the Enhanced Trade and Investment Partnership (ETIP), marks a significant milestone in bilateral relations, particularly as it is the UK’s first of its kind with an African nation.

With Nigeria boasting one of the fastest-growing economies globally, this collaboration underscores the mutual benefits both countries stand to gain.


The agreement aims not only to bolster trade and investment but also to extend cooperation into various sectors, including law, education, media, and entertainment.

The commitment to reducing barriers for UK lawyers to practice international and foreign law in Nigeria highlights efforts to enhance legal services exports.

Continue Reading: https://africafactszone.com/uk-lawyers-to-practice-law-in-nigeria/

Pets / Mini Golden Retriever Dog - all You Need To know by 9JAREALESTATE: 2:21pm On Feb 13
Choosing the perfect puppy can be a daunting task, especially with the abundance of options available.

If you’re considering adding a furry companion to your family, you might be pondering whether a Golden Mini or Mini Golden Retriever is the right fit for you.

Making this decision is significant and sometimes overwhelming, so let’s delve into what Miniature Goldens have to offer to help you determine if they suit your lifestyle.

What Do Mini Golden Retriever Dog Look Like?

Often referred to as Mini Golden Retrievers, Golden Minis are designed to possess the appearance and temperament of a petite Golden Retriever.

This breed goes by various names such as Golden Minis, Mini Golden Retrievers, Miniature Golden Retrievers, Teacup Golden Retrievers, Mini Goldens, and Comfort Retrievers.

Their coat colors range from light cream, resembling Mini English Cream Golden Retrievers, to deep red Mini Golden Retrievers, with some sporting white blazes, though most have solid hues.

What Is a Mini Golden Retriever Dog?

Golden Minis belong to the category of designer dogs, a mixed breed comprising Golden Retrievers, Poodles, and either Cocker or King Charles Cavalier Spaniels.

As it is a relatively recent breed, ongoing efforts are made to establish new lines to ensure adequate genetic diversity, crucial for the health of Mini Golden Retriever puppies.

How Big Do Golden Minis Get?

Adult Mini Golden Retrievers typically weigh between 30–45 lbs., though some may be as small as 15 lbs., earning them the moniker Teacup Golden Retrievers.

Their compact size makes them well-suited for apartment living and travel, and they are less likely to intimidate younger children.

Additionally, their smaller stature results in less intimidating droppings, which can make cleanup a more manageable task, especially with the aid of high-quality nutrition.

Do Mini Golden Retrievers Shed?

A common concern among potential owners is whether Mini Golden Retriever Dog shed as much as their larger counterparts. The shedding tendency varies.

It Depends!

Genetic testing reveals two genes contributing to shedding, which responsible Mini Golden Retriever breeders consider when selecting breeding pairs.

While some puppies may shed less than a full-sized Golden Retriever, none will shed less than a dog with furnishings, the longer facial hair characteristic of this breed’s teddy bear appearance.

What’s the Personality of a Mini Golden Retriever Dog?

Golden Minis exude a delightful combination of goofiness, outgoingness, and gentle demeanor, coupled with remarkable intelligence that renders them highly trainable, often serving as exemplary service animals.

Many quickly grasp specific tasks crucial for psychiatric service dogs, and they are frequently utilized as Deep Pressure Therapy (DPT) dogs.

With their exceptional temperament, Mini Golden Retriever Dog excel as emotional support dogs, relishing companionship and affectionate cuddles with their owners.

Additionally, they encourage physical activity, eagerly accompanying their owners on walks or romps in the park, which can significantly benefit individuals grappling with mental health challenges.

Moreover, emerging research suggests that mixed-breed dogs may enjoy better health outcomes compared to their purebred counterparts, attributed to the heightened genetic diversity in mixed breeds.

A study by Bellumori et al. (2013) examined 24 genetic disorders across 27,254 dogs with inherited conditions, revealing that 24 of these disorders exhibited no statistical variance between mixed and purebred dogs.

Intriguingly, 10 (42%) of the genetic disorders were more prevalent in purebred dogs, whereas mixed-breed dogs were associated with only 1 (4%) of the genetic disorders.

Continue Reading:

https://africafactszone.com/mini-golden-retriever-dog/

Investment / Wealth Management At Merrill Lynch - A Branch Of Bank Of America Corporation by 9JAREALESTATE: 1:58pm On Feb 13
Merrill Lynch Wealth Management, a subsidiary of Bank of America Corporation, offers comprehensive investment and wealth management services.

Amidst the financial turmoil of 2008, Bank of America Corp. made a strategic move to acquire Merrill Lynch and its extensive network of over 16,000 financial advisors, resulting in the establishment of the largest brokerage business in the nation at that time.


However, the roots of both entities stretch back much further. Bank of America boasts a history spanning over 240 years, while the Merrill brokerage shop first opened its doors on Wall Street in 1914.

Today, Merrill Lynch Wealth Management’s investment advisory business operates under formal regulatory oversight, registered as Merrill Lynch, Pierce, Fenner and Smith Incorporated, as well as Managed Account Advisors, LLC.


Notably, the former holds a broker-dealer license. With a workforce exceeding 36,000 employees, including over 27,000 dedicated to investment advisory functions, the firm stands as a cornerstone in the financial industry.


Unveiling Merrill Lynch’s Financial Legacy: A Transformation Over Time
Formerly a cornerstone of Wall Street‘s investment landscape, Merrill Lynch & Co. underwent a significant transformation post-acquisition by Bank of America (BAC) in 2009.


Now known simply as “Merrill,” it operates as a pivotal wealth management division within Bank of America.

Established by Charles E. Merrill in 1914, Merrill Lynch & Co. has held a prominent position as an iconic institution in the American financial sector.


Exploring Merrill Lynch & Co. Today
Headquartered at 250 Vesey Street in Manhattan, New York, Merrill Lynch & Co., now “Merrill,” is a vital part of Bank of America’s structure.

Managing assets surpassing $2.75 trillion, the firm boasts a workforce of over 19,000 financial advisors.



While its current focus is on wealth management, Merrill Lynch & Co. continues to be renowned for its investment banking endeavors.

Notably, in June 1971, Merrill Lynch & Co. initiated its public offering, marking its debut on the New York Stock Exchange (NYSE).


During the early 2000s, Merrill Lynch & Co. cemented its position as a leader in the market for mortgage-backed collateralized debt obligations (CDOs), catalyzed by its strategic acquisition of the subprime lending firm First Franklin Financial in 2006.

Bank of America and Merrill Lynch: Weathering the Financial Storm
During the tumultuous period of the 2007-2008 financial crisis, Merrill Lynch & Co. found itself at the center of widespread concern.


In November 2007, the company disclosed staggering losses amounting to billions of dollars attributed to its portfolio of subprime mortgages and associated derivative products.


Following the departure of its chief executive officer (CEO), Merrill Lynch & Co. embarked on a journey of asset divestment, striving to bolster its financial stability amidst mounting speculation of imminent collapse.


In a pivotal move in September 2008, Bank of America proposed a takeover of Merrill Lynch & Co. with an offer exceeding $40 billion.

This acquisition bid, representing a premium of over 70% relative to the company’s then-depressed market value, was swiftly accepted. Subsequently, Bank of America concluded the acquisition, finalizing the deal through a $50 billion all-stock transaction.


Merrill Lynch Embraces Digital Transformation

In response to the evolving landscape shaped by digitalization, Merrill Lynch has announced strategic adjustments.

According to Financial Planning, the company intends to revise payouts for advisors managing small account holders in 2021, aiming to reinforce stability.



Under the new structure, advisors will not receive payouts for production credits generated in households with assets totaling less than $250,000.

This strategic shift mirrors a broader trend observed across major brokerage firms, which are increasingly encouraging advisors to focus on larger clients while transitioning smaller accounts to robo-advisors or self-directed platforms.


The decision underscores the profound impact of digital transformation within the fintech sector.

A senior Merrill executive emphasized, “That [shift] really reflects where our business is today and where it is going,” highlighting the company’s forward-looking approach amidst the rapidly evolving financial landscape.


Pros and Cons of Merrill Lynch Wealth Management

Pros:

Diverse Range of Programs:
Merrill Lynch Wealth Management offers a comprehensive selection of programs catering to varying client needs.


Clients have the flexibility to choose between discretionary or non-discretionary accounts, with options ranging from limited investment choices to a diverse mix of individual securities and alternative investments.


Additionally, clients can opt for accounts managed by third-party managers or Merrill managers, ensuring a tailored approach to investment management.

National Accessibility:
With nearly 3,000 offices nationwide, Merrill Lynch Wealth Management boasts a widespread presence, facilitating easy access to financial advisory and broker-dealer services.


This extensive network ensures clients can conveniently meet with their advisors in-person, irrespective of their location within the country.

Access to Cutting-Edge Research:
Merrill Lynch Wealth Management provides its financial advisors with access to a wealth of internal research and industry insights published by analysts, economists, and researchers within the broader Bank of America Merrill Lynch network.



Recognized as a top global research firm by Institutional Investor from 2011 through 2020, BofA Merrill Lynch Global Research offers invaluable guidance to inform investment decisions.

Digital Advisory Programs:
Clients seeking a tech-savvy and cost-effective approach to investment management can explore Merrill Lynch’s digital advisory programs.


The Merrill Guided programs offer a robo-advisory tool that charges competitive fees of 0.45% of assets under management.

For those desiring personalized guidance, a financial advisor can assist in identifying goals and suitable investment options for a fee of 0.85%.


National Recognition:
Merrill Lynch Wealth Management advisors consistently feature on prestigious industry lists, including Barron’s Top 1,200 Financial Advisors and the Forbes Top Women Wealth Advisors list.


This recognition underscores the caliber and expertise of Merrill Lynch advisors.


Cons:

Fee Transparency Challenges:
Determining fees in advance can be challenging for clients, as fee schedules vary across different programs.

This lack of standardized fee structures necessitates thorough comparison-shopping among financial advisors to ascertain the total cost.


Limited Service Offerings:
Not all advisors at Merrill Lynch Wealth Management offer every program or service available, leading to potential discrepancies in service availability.

Clients are advised to discuss with individual advisors to understand the range of services offered.



Potential Conflicts of Interest:
Merrill Lynch Wealth Management faces potential conflicts of interest, as the firm may have financial incentives to recommend its own products or funds with higher fees.

Moreover, advisors may earn compensation from selling specific securities and insurance products, potentially influencing their recommendations.


Referral Compensation:
The firm compensates third-party entities for client referrals, with the compensation deducted from the advisory fee paid by clients.

This arrangement may raise concerns regarding the objectivity of referrals and potential impacts on client-advisor relationships.


Disciplinary Disclosures:
Merrill Lynch Wealth Management discloses a significant number of disciplinary items, reflecting the complexities associated with its large-scale operations.


While not uncommon for a firm of its size, the extensive list of disciplinary disclosures merits consideration by prospective clients.


Whom Does Merrill Lynch Wealth Management Serve?
Continue Reading: https://africafactszone.com/wealth-management-at-merrill-lynch/

Investment / Quotes For Homeowners Insurance by 9JAREALESTATE: 1:46pm On Feb 13
The provided rates in the following analysis stem from an assessment of over 10 home insurance policies and 15 companies.

Based on our rating data, Amica emerges as the top homeowners insurance company. Our evaluation considered various factors, including standard costs, coverage for dwelling and structure, identity theft protection, coverage for valuable possessions, and the availability of discounts.

It’s important to note that the sample rates presented are for illustrative purposes only and may not accurately reflect your specific home insurance costs.

Tips for Effectively Comparing Homeowners Insurance Quotes

When it comes to comparing homeowners insurance quotes, a strategic approach is crucial to ensure you secure the best coverage for your home. Here are key considerations to keep in mind during the process:

1. Assess Rebuilding Costs

Determine the coverage needed for your dwelling, ensuring it accounts for the total rebuilding costs, including labor and materials, in case of a covered loss.

2. Evaluate Liability Coverage Needs

Understand your liability coverage requirements, factoring in medical bills and potential legal fees. Ideally, your coverage should safeguard your total financial assets, including your home, savings, and investments.

3. Consider Personal Belongings Value

For personal belongings coverage, be aware that standard policies may pay based on actual cash value, considering depreciation. If you own high-value or older items, consider adding replacement cost coverage for adequate reimbursement.

4. Identify Coverage Gaps

Explore additional benefits offered by insurers to fill in potential coverage gaps, such as protection against water backup damage, flooding, identity theft, or earthquakes.

5. Choose an Appropriate Deductible

Select a deductible that aligns with your budget and comfort level. While a higher deductible may lower your monthly premium, ensure it’s an amount you can afford to pay out of pocket in the event of a claim.

6. Explore Discounts

Maximize cost savings by exploring discounts offered by insurers, including bundling home and auto insurance, installing security features, or benefiting from new homebuyer incentives.

7. Verify Insurer Reputation

Before committing to a home insurer, assess its financial standing with A.M. Best and customer satisfaction ratings with J.D. Power. Reading online reviews from current and former policyholders can provide valuable insights.

8. Compare Quotes for Similar Coverage

Obtain quotes from at least three providers to ensure a comprehensive comparison. When reviewing quotes, ensure they offer similar coverage to accurately evaluate the best deal.

Information Needed for Homeowners Insurance Quotes

To streamline the quote process, have the following details on hand:

Continue Reading:

https://africafactszone.com/quotes-for-homeowners-insurance/

Politics / Nationwide Protests In Senegal As President Macky Sall Postpone Elections by 9JAREALESTATE: 2:35pm On Feb 10
On Friday, February 9th, Dakar, Senegal, descended into chaos as long-simmering political tensions erupted into violent clashes between opposition activists and law enforcement.

The catalyst for the unrest was a planned demonstration by supporters of opposition presidential candidates, aimed at protesting a recent law passed by the National Assembly.


This law not only delayed the presidential election until December 15th but also controversially extended President Macky Sall’s term.

As demonstrators gathered, police and gendarmes intervened swiftly, employing tear gas to disperse crowds and thwart the rally.


However, these actions only escalated the situation, fueling more anger among opposition supporters.


Throughout the day and into the night, Dakar was engulfed in tension and disorder. Barricades were set ablaze, filling the air with smoke and shrouding the city in uncertainty.


Journalists found themselves in the midst of the chaos, encountering hostility from both protesters and security forces.

Reports emerged of journalists being charged and detained by law enforcement, with some sustaining injuries in the chaos. This highlighted the risks faced by those reporting on the unfolding events.


Despite the volatility, the demonstrations persisted late into the evening, with the sound of police sirens echoing through the streets.

For the residents of Dakar, Friday was a day overshadowed by violence and uncertainty as the city grappled with the consequences of the political turmoil gripping the nation.

President Macky Sall Amendment of Senegal’s Constitution
Continue Reading: https://africafactszone.com/macky-sall-postpone-elections/

Politics / Re: Throwback Photo Of Nasir El-rufai In School Uniform by 9JAREALESTATE: 6:39pm On Feb 19, 2020
Did ya'll notice the Rosery on this man's neck?? Look closely downwards, you will see a cross.

1 Like 1 Share

Celebrities / Big Brother Naija Housemate Symply Tacha Rise To Fame by 9JAREALESTATE: 5:40pm On Sep 28, 2019
Anita Natacha Akide popularly known as Symply Tacha (born 23rd December 1995), The big brother naija 2019 housemate is a graduate of Ignatius Ajuru University of Education. She hails from River State. She is an Instagram Influencer and Video Blogger widely famous for putting a logo of Davido’s record label – DMW on her chest. Continue reading https://techieafrika.com/symply-tacha/
Religion / Re: The Secret Truth About Witchcraft That Everyone Should Know by 9JAREALESTATE: 10:06am On Sep 22, 2019
If you dont know something, just shut the f**kup instead of you assuming and not doing your research.

"The word 'witch' which some people have a problem calling or saying it is referred to as the primordial mothers of water and air that protected the throne. The church and Islam demonized these practices just as they demonized all African Spirituality , indigenous traditions, Esu, and Aje. They are all projections of the church and it’s ignorance.

All women have a little of the 'Aje' or Witchcraft energy because part of it is connected to menstrual blood, but that alone does not mean you are truly supported by the divine mothers. Every woman has had a menstrual cycle at some point. Not every woman understands it’s mysteries or walks with the primordial mothers.

The primordial mothers are highly advanced beings who help humanity to evolve.  The primordial mothers  were present when chosing our destiny this lifetime. They know who we are and who we are meant to be."

I am currently doing a research on 'witches' or 'Aje'. The full research and story will be launched on October 6th 2weeks from now via https://techieafrika.com/witchcraft/ save the date.

1 Like

Properties / Utako Abuja Mini-estate 4bedroom Duplexes, 2bedroom Flats, Self Contain For Sale by 9JAREALESTATE: 9:22am On Sep 21, 2019
The compound is 1,723 sq meters located in prime area of Utako.

It has 3 different buildings as stated below:

1) 2 wings of 4 bedroom duplex well furnished with marble and granite floors. Each with 2 sitting room both on ground and upstairs with big kitchens

2) 4 units of 2 bedroom flats and well furnished. The interior marginally shown in the attached picture

3) 4 units of self contained rooms and well finished.

4) spacious compound that comfortably accommodates 25 vehicles

5) c of o in seller's name

6) garden space at the back of the building.

All other relevant documents can be provided on request.


Asking price is N550m in view of the economic melt down and opportunity cost of my offshore investment

Average of N19m rent proceeds annually.

Politics / Re: Nigerian Govt Approves N52bn For Monitoring Of Borders by 9JAREALESTATE: 9:47pm On Apr 26, 2019
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Politics / Re: President Buhari Donates $500,000, Vehicles To Guinea Bissau For Elections by 9JAREALESTATE: 9:46pm On Apr 26, 2019
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Celebrities / Re: Naira Marley Sold His Concert After Yahoo Boys Saga by 9JAREALESTATE: 9:42pm On Apr 26, 2019
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Politics / Re: Gbajabiamila With Apc Reps Elect At KABBA Holy Mosque by 9JAREALESTATE: 9:40pm On Apr 26, 2019
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Celebrities / Re: Yahoo Boys Are Mugus - Seun Kuti by 9JAREALESTATE: 9:36pm On Apr 26, 2019
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Religion / Re: Pastor Frank Chuks Holding Gun On A Church Program Poster In Delta State by 9JAREALESTATE: 3:15pm On Jan 21, 2019
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Politics / Experts In Real Estate Panic Over 2019 Elections by 9JAREALESTATE: 12:19pm On Jan 11, 2019
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https://9jarealestate.com
https://9jarealestate.com


Right now in the Real Estate sector, there is palpable panic as to what is likely to happen during the 2019 elections. As you read this, many players have narrowed the presidential elections to a straight fight between President Muhammadu Buhari, the APC presidential candidate and Alhaji Atiku Abubakar of the PDP. It is generally believed that whoever emerges between the two will be crucial to the shape of real estate business this year.

As 2019 unfolds, many real estate players have begun to air their views on what they think is most likely going to happen to their sector. Those who spoke to City People recently include the GMD of Suru Group, Mr. Edward Akinlade, the GMD of Adron Homes, Akile Oba EmmanuelKing, Otunba Yemi Lawal, the GMD/CEO of Seagle Properties; Mr. Rogba Orimalade, the Chairman of Lagos NIESV and Mr. Bamidele Onalaja, the MD of Revolution Plus.

According to the GMD of Suru Group, what will determine the shape of Real Estate business in 2019 is the outcome of the presidential election. It is going to be a straight fight between President Buhari and Alhaji Abubakar Atiku. If Buhari wins there might not be any fundamental change in the real estate market from what we have now. People are keeping their money. They are not ready to spend because they are afraid of EFCC asking how they made their billions. But if Atiku wins money will flow in. People will spend and the economy will pick up. Atiku understands the language of business. Don’t forget that a lot of the money that fuelled the real estate sector under ex-President Jonathan were funds made through all sorts of deals. Many used real estate development to launder money, but once President Buhari came into office, they stopped spending so as to avoid all eyes being on them. So, many people are watching political developments to know what to do. So in the first quarter of this year, there is not going to be much activity happening in the sector.

Pastor Jagun is a respected real estate guru. He runs a flourishing real estate practice in Lagos and he was once the Chairman of Lagos NIESV.

How does he see the Real Estate Sector faring in 2019?

“The forthcoming election will affect the Real Estate sector,” he explains. “It’s an election year, so foreign investors will be cautious in supporting finance in Nigeria, especially with the way our politicians are heating up the polity. Those who have funds here will be looking for how to take off their investment. Locally, we will see some politicians put properties up for sale to fund their ambition. That creates a Buyer’s market where the buyers will dictate and influence market price to their favour. If all things work out well for Nigeria, we would expect new political players trying to buy apartment to suit their new status. What I’m saying in essence is that in the early part of the yea,r there will be more properties up for sale, while in the later part. We would see more activities on the Buying side.

Mr. Bamidele Onalaja is the MD/CEO of RevolutionPlus Property Company. He is one of the big players in the real estate sector.

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https://9jarealestate.com

How does he see the Real Estate faring in 2019?

“Well, I think people still have the desire to buy property this year, as usual, but the problem has to do with their ability to buy. Do they have the wherewithal? This year 2019, I see the Real Estate market booming more because more people will want to buy houses and land this year, but the spending power will not be that high.

How does Otunba Yemi Lawal, the MD/CEO of Seagle Properties see the real estate sector faring in 2019?

He sees the February elections as a problem. In the just concluded year 2018, the economic situation affected the real estate business; there was no cash flow.
The 2019 elections may slow things down in the 1st Quarter of the year. The election of 2019 is the main determinant, unless there is a change in government which is very right, the situation could be worse. People are keeping their funds to meet their daily bread. One should tread with caution, until after the election. Let’s wait for the 2nd quarter.”

What does Rogba Orimalade, the current Chairman of Lagos NIESV feel about the Estate sector in 2019?

“It might be slow a bit in early 2019, but things will get better later on in the year. Last year, the real estate business was slow. People just did all they could to stay afloat, to remain in business. It can only get better this year. It is not so much about who wins the presidential election next month. Irrespective of who comes to government, business will be good. We have come out of the depression we encountered over a year ago. We are coming up in 2019. Let’s look beyond the 1st Quarter which I believe will be extremely slow. The outcome of the election is unpredictable. Now, there is restriction of funds. People perceive Atiku to be generally pro-business and Buhari to be a bit conservative business wise.

But the good thing is that the market has woken up. The growth rate has gone up. Whatever party wins, there will be steady growth and development, especially after the 1st Quarter. Before the elections, people will be cautious to spend money. Money will be held down till after the elections.

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https://9jarealestate.com

Abuja based real estate player, Victor Ayeye is also quite optimistic. Victor Ayeye is a big name in the real estate sector in Abuja. He is the founding Partner and Chief Executive Officer of Ayeye & Co, a leading firm of Estate Surveyors and Valuers with about 20 years experience in the Real Estate sector.

Ayeye is the immediate past Honourary National Secretary, a former Hon. National Publicity Secretary and Current Council Member of the Nigerian Institution of Estate Surveyors and Valuers (NIESV). He is also a member of various Real Estate related professional bodies.

A few months back, he was asked to give assessment of the Abuja real estate market over the past few years. He explained that the Abuja real estate market had suffered serious setback in the past few years.

“You will agree with me that, the real estate Market doesn’t operate in isolation”. It operates in the Economy. The Economy has been in recession and during recession, issue of investment is not a priority. Residents struggle to even eat and cloth themselves which is more important than housing. According to Maslow hierarchy of needs, after food and shelter comes housing. Properties are not changing hand in the market, people are even afraid to buy, investors are scared, generally, the sector has been in a coma. Tenants even find it difficult to pay rent, Landlords couldn’t get rent and as such can’t pay their children school fees.

https://9jarealestate.com
https://9jarealestate.com

There is no access to finance from Financial Institutions for those who need bank loans. Those who are lucky to get the loans have to pay through their nose because of the high interest rate. Access to Land itself is also a major problem. The FCT Minister has been very slow in the issuance of Certificate of Occupancy and for those who need consent. The cost is too high, therefore so many properties don’t have Title and as such wealth cannot be created.

The state of insecurity in the country has also caused a lot of setbacks in the property market. Killings everywhere from Boko Haram to Herdsmen etc. foreign investors have been scared and all of these have effect on the Real Estate Sector.

In the area of Letting, so many properties are vacant and have remained so for years because of lack of funds to rent. People now are moving very far away from the city because of affordability and there are no infrastructures to support this.

What can be done to reawaken the Abuja Real Estate Market?

The government should pay serious attention to the issue of Housing. Secondly, access to land should be made easier to attract investors who will invest in building, once the sector is active. Unemployment in the country will be drastically reduced. If you want to build a 3 bedroom bungalow for instance, you will provide employment for at least 50 people. From the Architect to Estate and project Manager, to Bricklayer, to Plumber, Labourers, food seller etc and this will reduce crime rate. Thirdly, Government should embark on massive infrastructural development. Rail should work across the nation, good roads should not be in scarce supply, electricity should be common and general, portable water supply should be made available to all. Finally, there should be access to finance. Presently, Nigerians do not have access to development finance. A rate of 25% is grossly excessive loan for housing. The rate should be reduced to encourage investment.

https://9jarealestate.com
https://9jarealestate.com
Celebrities / #cashmoney: Lil Wayne Buys Himself A Mansion Of $17m At Maimi Beach by 9JAREALESTATE: 11:08am On Jan 11, 2019
Lil Wayne just dropped $16.75 million on a breathtaking Miami Beach home. Designed by architect Choeff Levy Fischman, the Allison Island property touches 110 feet of water and sports seven bedrooms, a swimming pool and a movie theater with suede wall coverings.

The Cash Money Records mogul just plunked down serious coin on a megamansion, located at 6480 Allison Road, Miami Beach, reports The Wall Street Journal.

The place is spacious, all right. Included in its 10,632 square feet are seven bedrooms and nine bathrooms. But that’s not all.

See all pictures here: https://9jarealestate.com/lil-wayne/
Properties / Cosgrove Smart Estate Abuja Built With Automated Home Technology by 9JAREALESTATE: 11:00am On Jan 11, 2019
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Cosgrove Smart Estate Abuja Built With Automated Home Technology

COSGROVE ESTATE No.1 in ABUJA Automated home technology is cool.

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Freedom. Ease. Automation.
Turn your lights off from your bed. Control your TV with your voice. Lock your door from a million miles away.
But, as cool as this is, there’s a more important benefit to all of this “smart” technology we’re filling our homes with. You can control your house from any part of the world. It’s a smart home

5 BEDROOM DETACHED DUPLEX with a BQ Price: 100 Million

Features

• Built up area of 420sqm
• Designated parking: up to 5 cars
• 1Maid’sroom


• Fully Pre-wired Smart Home Technology(individual owners simply connect or upgrade as preferred)
• Elevator(optional)
• Additionalmulti-purposeareaconfigurableforgym,
study/homecinema
• High speed broadband fiber optic internet
(fibre – to – the – home).
• 24-hours uninterrupted power supply
• HighTechSecurity
• Centrally controlled 24hour CCTV with Artificial Intelligence (AI)capabilities including:
• MotionDetection
• FacialRecognition
• AutomaticNumberPlaterecognition(ANPR)
• Estaterecreationalarea
• SmartStreetLights
• FullFacilityManagementServices
• Standard FCT infrastructure

95% of High Net-Worth Individuals Have A Hand In The Real Estate Pie

4Bedroom Terrace With A BQ

four generously appointed bedrooms – master and three spacious bed- rooms
all en-suite and equipped with bathrooms.

https://9jarealestate.com

FEATURES

• Built up area of 288sqm
• Designated parking: up to 3 cars
• 1Maid’sroom
• Fully Pre-wired Smart Home Technology (individual owners simply connect or upgrade as preferred)
• High speed broadband fiber optic internet (fibre – to – the – home).
• 24-hours uninterrupted power supply

https://9jarealestate.com

• HighTechSecurity
• Centrally controlled 24hour CCTV with Artificial Intelligence (AI) capabilities including
• MotionDetection
• FacialRecognition
• AutomaticNumberPlaterecognition(ANPR)
• Estaterecreationalarea
• SmartStreetLights
• FullFacilityManagementServices
• Standard FCT infrastructure
Location: Wuye Abuja
Price: 55M

“Think And Grow Rich” Principles To Insure Success In Real Estate

3bedroom block of with BQ and elevator and 3bedroom top-roof penthouse
Price:35M

FEATURES
Two large bedrooms – all en-suite with bathrooms – and an optimally laid-out living area.


• Built up area of 189sqm
• Designated parking: up to 3cars • Service elevator
• 1 Maid’s room
Location Wuye ABUJA
Price: ₦35m

For questions about COSGROVE, book inspection and or how to process payment –
Contact Us info@9jarealestate.com 0r watsapp/CALL 08141873846

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Investment / Simple Strategies For Smart Investors In Increasing Rental Income by 9JAREALESTATE: 10:48am On Jan 11, 2019
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Simple Strategies for Smart investors In Increasing Rental Income

Smart investors look for ways to maximize their monthly cash flow from rental properties. These diverse income sources will bring in extra revenue and increase your bottom line.
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1. Smart investors: Always plan on regular rent increases. Consider your investment properties as a business and plan for rental increases to cover higher taxes, insurance and other routine expenses that may increase each year. Increasing rents by a small percentage assures that your return on your investment does not decrease. Rent increases should not be a problem you have addressed this in your lease and have made the tenant aware of annual increases.

2. Smart investors: Set definite “due dates” for rents to be paid and stick to your policy. Your lease should address late fees. Be fair to all your tenants and treat everyone equally when the payments are late. Check with your state regulations for the percentage allowable for late charges. We all know that people sometimes have circumstances that occur which results in a late payment but these delinquencies will cost you money.

3. Smart investors: Create other income sources on your properties. I know some landlords who rent garage space and storage buildings. Others have arranged for “rent to own” appliances, T.V’s. washer and driers, computer’s etc. which offer added profits. Many of your tenants will be purchasing these same items from local stores and paying interest on the purchase. Why not increase your profits by offering the same items and earning the profit yourself ?
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4. Smart investors: Keep your costs low. It is easy for routine and other maintenance and repairs to easily eat away at your profits. Everything from replacing light bulbs to purchasing appliances can add up quickly and will take a big bite out of your profit. Create space to store frequently used maintenance items and purchase when they are on sale or from discount and salvage stores. Take advantage of discounts available to contractors or real estate investor”s association members to save on building materials, carpet , paint etc. . Features of a Profitable Rental-Property Around The World

5. Smart investors: Routine maintenance on your properties will save you money. Remember the T.V.commercial for motor oil where the mechanic says” Pay me now or pay me later” ? Depending on the number of rental units you have you may be able to hire a part time maintenance person. Taking time to create a schedule of the maintenance needed on properties will allow your maintenance man to schedule his time more efficiently. These routine maintenance visits also creates the opportunity to check on tenant damage, potential hazards or problems.
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Buy and hold rental properties are designed to contribute to your wealth building strategy through real estate. By creating multiple sources of income from properties and having a policy that protects your from loosing money you can be on tract to operating a successful and profitable real estate investment business.

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