Kizz Daniel Loses Right To Name As G-worldwide Trademarked “kizz Daniel”

AQKizz Daniel loses right to name A couple of weeks ago, we heard that Kiss Daniel changed his name to Kizz Daniel. The move was an effort to outsmart G-Worldwide who were suing for ownership of the name. It seemed as if it was a smart move by the singer. But this is not so.

G-Worldwide recently applied to trademark the name “Kizz Daniel”. The application has now been granted and they own “Kizz Daniel” now. The same way they own the right to “Kiss Daniel”.

This means Kizz Daniel can no longer use his new name.

“Let the whole world also take note that G-Worldwide is also the owner of the name ‘‘Kizz Daniel”.” A statement by G-Worldwide Entertainment confirmed today.

G-Worldwide also said it has issued statement to major distribution outlets to notify them on the use of the name.

“All digital platforms have been put on notice for take down of infringing materials where the name Kizz Daniel is in use, and we have responded to foreign and local media outfits on this issue following calls for clarification.”

“We also wish to formally inform the public that the artiste’s use of the names Kiss Daniel and Kizz Daniel amount to breach of the company’s intellectual property rights.”

This is not bad news entirely.

Kizz Daniel still has other names to choose from. In his debut album, New Era, Daniel gave ample mention to the name “Vado” and “Tuvado”.

If Kizz Daniel and his legal team are in their element, they would quickly take ownership of the names.

Wizkid Pull A Drake On Olamide - Fans Of Both Artists Lament On Twitter

The Long Awaited Video for the smash collaborated hit song of Baddo sneh and Starboy, "KANA", has just been released few hours ago.

The Video is directed by one of Nigeria most talented Videographer, SESEN.

The video is extraordinary dope and is as dope as a movie. The video is mind blowing and that's one of the main reason fans of both artists are sad at Wizkid's absence.

Hushpuppi Blasts Mo'Cheddah For Berating Ruggedman Over His #EndSARS Tweet

Nigerian rapper, Mo'Cheddah slammed fellow rapper, Ruggedman for speaking up and calling Nigerian entertainers to speak up against SARS brutality.

Ruggedman tweeted;

"Dear Nigerian entertainers,
Some of these people being brutalised are your fans. Some are harrassed while coming from your shows.
Speaking up for them will not end your career or stop benefits you get from wherever or whoever.
They support you, return the favour.
#EndSARS"

Mo'Cheddah berated him writing;

"It is extremely wrong to try and force your beliefs and opinions on others....if you want to help, just help.. stop looking to see if others are doing same.. focus on your cause and stop judging other people that aren't"

Orezi Threatens To Expose Celebrity Who Issued Him A Bounced Cheque

Singer Esegine Allen popularly known as Orezi, has slammed celebrities who don't live according to their finances.

The Delta State born said this while threatening to expose a celebrity who gave him a bounced cheque, saying he will expose the person in 24 hours if he doesn't get his money.

See How to Get out of Payday Loans

Payday loans can drag you into a debt trap due to high costs. It’s easy to rely on those loans, and you may even be able to “roll over” a single loan multiple times to delay repayment. But easy access leads to an expensive habit, and the money you spend maintaining those loans will prevent you from getting back on your feet.

You can take several approaches to get rid of payday loan debt. We’ll detail these strategies below and discuss ways to prevent the problem from coming back.

1. Pay off the loan with a new, less-expensive loan.
2. Pay off the loan with savings.
3. Arrange an extended repayment program with your current lender.
4. Temporarily increase your income to eliminate the debt.

Get a Different Loan

If you’re not able to pay off the loan at this time, a different loan can make it easier to get out of debt.

Alternative lenders: Almost any other loan will be more affordable than a payday loan, so try different sources of money. Small community banks and credit unions are your best bet for getting approved, especially if you have bad credit or you have never established credit. Some online lenders also cater to borrowers with less-than-perfect credit. That said, whenever you’re searching for lenders who market to “bad credit” borrowers, you run the risk of using predatory lenders. Start with some of the online lenders listed here or reputable peer-to-peer lending platforms.

Consolidate debt: Instead of renewing existing payday loans, consolidate those loanswith a more affordable loan, and then start paying off the consolidation loan. Borrow just enough to pay off your existing debt (and maybe enough to keep you from getting another payday loan)—and nothing more. It might seem like you’re borrowing from Peter to pay Paul, and you are, but you’re borrowing on much better terms.

The key is to move away from payday loans for good. You’ll have more time to repay, and you’ll pay lower finance charges.

Get help with approval: If you can’t get approved, consider asking somebody with good credit to cosign for the loan. This person will essentially guarantee that you’ll repay on-time. If you don’t, your co-signer will be 100% responsible for paying off that loan—so it’s a huge responsibility and risk for that person. A cosigner’s credit will be damaged if payments come in late or if you default on the loan, and lenders can bring legal action against cosigners.

Got Cash?

If you’ve changed your mind about a payday loan that you recently applied for—or you came into some cash and your circumstances have changed— try returning the cash. Some payday lenders allow you to reverse the transaction within one business day of borrowing at no cost. Act fast and contact your lender because you may need to repay the loan before the close of the following business day.

Extended Repayment

When times get tough and you are unable to repay payday loans, contact your lender and ask about your options. Some lenders offer extended payment plans and other forms of short-term relief. The “friendliest” lenders—including many of the large brick-and-mortar payday shops you see along busy streets—belong to the Community Financial Services Association of America (CFSAA), which has guidelines for setting up payment plans.

Create Cash

Sometimes finding more cash in the budget is your only option. There are two ways to do that: Earn more income, or cut expenses. Neither is easy, but they’re both very effective.

Increase income: If at all possible, find extra work. You don’t need a permanent job—you just need to hustle short-term to get out of any existing payday loan debt. Working more is probably the last thing you want to do, especially if you’re already spread thin. But think of the income as more than just the wage you earn. It’s also the money you avoid spending on numerous payday loan fees. That income can make the difference between spiraling into debt and getting back on your feet.

Sell stuff: You can also bring in cash by selling possessions. Like working extra, it’s not fun, but it’s better than paying finance charges.

If working more is not an option, this might be your next best option for raising cash quickly.

Cut costs: If bringing in cash isn’t an option, you’ll have to reduce spending until you’re back on top of your finances. That means cutting down to the bare bones. Make every meal yourself, and bring your lunch to work. Cut unnecessary costs like cable, and find inexpensive ways to stay entertained.

Set Yourself Up for the Future

Once you’re on your feet, you’ll want to avoid going back to payday loans. You can do that by building a strong financial foundation.

Emergency fund: Set up an emergency fund so you have cash on hand when you need it. Start by setting aside a few hundred dollars, and then build it up to one thousand. Eventually, you should have three to nine months’ worth of living expenses in cash, which should cover most of life’s surprises. But start small now and work your way up.

Build your credit: To get affordable loans in the future, you need good credit. If your credit is poor or you don’t have any credit history,  Make all of your payments on time, and your credit will slowly improve. Then, it will be much easier—and more affordable—to cover larger expenses.

In Over Your Head?

If you’re deep in a payday loan trap, speak with a licensed credit counselor. For tips on finding local help, start at NFCC.org. Credit counselors help you dig into the details of your budget and potentially work with your creditors to find a way out. Bankruptcy might be an option, but it’s a big step, and one you should only take after plenty of consideration and discussion with a local attorney.

How to Choosing a Health Insurance Plan

The health insurance landscape can be tricky to navigate. Here’s a start-to-finish guide to choosing the best plan for you and your family, whether it’s through the federal marketplace or an employer.

Step 1: Find your marketplace

Most people get health insurance through an employer. If you’re one of them, you won’t need to use the government insurance exchanges, or marketplaces. Essentially, your work is your marketplace.

If your employer offers health insurance and you still wish to search for an alternative plan in the exchanges, you can. But plans in the marketplace are likely to cost a lot more. Most employers that provide insurance pay a portion of workers’ premiums, so they’ll likely offer the least expensive option.

If your job doesn’t provide a health insurance benefit, shop on your state’s Affordable Care Act marketplace, if available, or the federal marketplace to find the lowest premiums. Start by going toHealthCare.gov and entering your ZIP code. You’ll be sent to your state’s exchange if your state is green on the map below. Otherwise, you’ll use the federal marketplace.

You can also purchase Health insurance through a private exchange or directly from an insurer. If you choose these options, you won’t be eligible for premium subsidies, which are income-based discounts on your monthly premiums.

Step 2: Compare types of health insurance plans

You’ll encounter some alphabet soup while shopping for plans; the most common types are HMOs, PPOs, EPOs, or POS plans. The kind you choose will help determine your out-of-pocket costs and which doctors you can see.

While comparing plans, look for a summary of benefits. Online marketplaces usually provide a link to the summary and show the cost near the plan’s title. A provider directory, which lists the doctors and clinics that participate in the plan’s network, should also be available. If you’re going through an employer, ask your workplace benefits administrator for the summary of benefits.

Comparing health insurance plans: HMO vs. PPO vs. EPO vs. POS

Plan Type	Do you have to stay in network to get coverage?	Do procedures & specialists require a referral?	Best for you if:
HMO: Health Maintenance Organization	Yes, except for emergencies.	Yes	You want lower out-of-pocket costs and a primary doctor that coordinates your care for you, including ordering tests and working with your specialists.
PPO: Preferred Provider Organization	No, but in-network care is less expensive.	No	You want more provider options and no required referrals.
EPO: Exclusive Provider Organization	Yes, except for emergencies.	No	You want lower out-of-pocket costs but no required referrals.
POS: Point of Service Plan	No, but in-network care is less expensive; you need a referral to go out of network.	Yes	You want more provider options and a primary doctor that coordinates your care for you, including ordering tests and working with your specialists.

When comparing different plans, put your family’s medical needs under the microscope. Look at the amount and type of treatment you’ve received in the past. Though it’s impossible to predict every medical expense, being aware of trends can help you make an informed decision.

If you choose a plan that requires referrals, such as an HMO or POS, you must see a primary care physician before scheduling a procedure or visiting with a specialist. Because of this requirement, many people prefer other plans.

POS and HMO plans may be better if you don’t mind your primary doctor choosing specialists for you; one benefit of this system is that there’s less work on your end, since your doctor’s staff coordinates visits and handles medical records. If you do choose a POS plan and go out of network, make sure to get the referral from your doctor ahead of time to reduce out-of-pocket costs.

If you’d rather choose your doctors, you might be happier with a PPO or EPO. An EPO may also help you lower costs as long as you find providers in network; this is more likely to be the case in a larger metro area. A PPO might be better if you live in a remote or rural area with limited access to doctors and care, as you may be forced to go out of network.

Step 3: Compare health plan networks

Costs are lower when you go to an in-network doctor because insurance companies contract lower rates with in-network providers. When you go out of network, those doctors don’t have contracted rates, which costs your insurance company, and you, more.

If you have preferred doctors and want to keep seeing them, make sure they’re in the provider directories for the plan you’re considering. You can also directly ask your doctors if they take a particular health plan.

If you don’t have a preferred doctor, you’ll probably want a plan with a large network so you have more choices. A larger network is especially important if you live in a rural community, since you’ll be more likely to find a local doctor who takes your plan.

Eliminate any plans that don’t have local in-network doctors and those with very few provider options compared with other plans.

Step 4: Compare out-of-pocket costs

Nearly as important as network size is how costs are shared. Any plan’s summary of benefits should clearly lay out how much you’ll have to pay out of pocket for services. The federal marketplace website offers snapshots of these costs for comparison, as do many state marketplaces.

This is where it’s useful to know a few health insurance vocabulary words. As the consumer, your portion of costs consists of the deductible, copayments and coinsurance. The total you spend out of pocket in a year is limited, and that maximum is also listed in your plan information. In general, the lower your premium, the higher your out-of-pocket costs.

Cost-sharing options vary, so your goal is to narrow down choices based on out-of-pocket costs. A plan that pays a higher portion of your medical costs, but has higher monthly premiums, is better if:

• You see a doctor, whether a primary physician or a specialist, frequently.
• You frequently need emergency care.
• You take expensive or brand-name medications on a regular basis.
• You are expecting a baby, plan to have a baby, or have small children.
• You have a planned surgery coming up.
• You’ve recently been diagnosed with a chronic condition such as diabetes or cancer.

A plan with higher out-of-pocket costs and lower monthly premiums is the financially smart choice if:

• You can’t afford the higher monthly premiums for a plan with lower out-of-pocket costs.
• You are in good health and rarely see a doctor.

Step 5: Compare benefits

By now, you likely have your options narrowed down to just a few. To further winnow down, go back to that summary of benefits to see which plans cover a wider scope of services. Some may have better coverage for things like physical therapy or mental health care, while others might have better emergency coverage.

If you skip this quick but important step, you could miss out on a plan that’s much better tailored to you and your family.

Once you’re down to a couple of options, it’s time to address any lingering questions. In some cases, only speaking with a person will do, so call the customer service line of the insurers you’re considering. Write your questions down ahead of time, and have a pen or computer handy to record the answers.

Your questions will be based on your current health situation, but here are some examples of what you could ask:

• I take a certain medication. How is that covered under this plan?
• Which drugs for this disease are covered under this plan?
• What maternity services are covered?
• What happens if I get sick when traveling abroad?
• How do I get started signing up, and what documents will I need?

A final tip: Don’t forget to discontinue your old plan before the new one starts if you switch.

Checklist: Choosing a health insurance plan

Here’s a quick checklist that summarizes the steps above:

1. Go to your marketplace and view your plan options side by side.
2. Decide which type of plan — HMO, PPO, EPO, or POS — is best for you and your family.
3. Eliminate plans that exclude your doctor or any local doctors in the provider network.
4. Determine whether you want more health coverage and higher premiums, or lower premiums and higher-out-of-pocket costs.
5. Make sure any plan you choose will pay for your regular and necessary care, like prescriptions and specialists.

World's Top 10 Insurance Companies

Insurance helps us to do exactly what this quote suggests. We all face many kinds of risks: risk of meeting with an accident, falling sick, being a victim of a natural disaster or fire, and above all risk of life. All these risks not only come with pain and su􀀦ering but also hurt financially. Insurance is one way of being prepared for the worst; it o􀀦ers the surety that the economic part of the pain will be taken care of. In this article, we take a look at some of the top insurance companies. There are many criteria on the basis of which such a list can be prepared: premium collections, market capitalization, revenue, profit, geographical area, assets and more. The following list focuses on a number of factors and the insurance companies on it are in no particular order.

1) AXA

With over 102 million customers in 56 countries and an employee base of 157,000, AXA is one of the world's leading insurance groups. Its main businesses are property and casualty insurance, life insurance, saving and asset management. Its origin goes back to 1817 when several insurance companies merged to create AXA. The company is headquartered in Paris and has a presence across Africa, North America, Central and South America, Asia Pacific, Europe and the Middle East. In 2013, AXA as a move to increase its foothold in Latin America acquired 51% of the insurance operations of Colpatria Seguros in Colombia. During the same year, AXA became the largest international insurer operating in China as a result of its 50% acquisition of Tian Ping (a Chinese property and casualty insurer). In addition, the company acquired the non-life insurance operations of HSBC in Mexico. The AXA Group reported total revenues of €99 billion for fiscal year 2015.

2) Zurich Insurance Group

Zurich Insurance Group, a Switzerland-headquartered global insurance company, was founded in 1872. Zurich Group, together with its subsidiaries, operates in more than 170 countries, providing insurance products and services. The core businesses of Zurich include general insurance, global life and farmers insurance. With its employee strength of over 55,000, Zurich caters to the vast insurance needs of individuals and businesses of all sizes: small, mid-sized and large-sized companies and even multinational corporations.

Total revenues in 2015 were $60.568 billion.

3) China Life Insurance

China Life Insurance (Group) Company (LFC) is one of Mainland China’s largest state-owned insurance and financial services companies, as well as a key player in the Chinese capital market as an institutional investor. The origin of the company goes back to 1949 when the People's Insurance Company of China (PICC) was formed. Its o􀀦shoot PICC (Life) Co. Ltd was created a􀁈er parting ways with PICC in 1996. PICC (Life) Co. Ltd was renamed as China Life

Insurance Company in 1999. The China Life Insurance Company was restructured in 2003 as China Life Insurance (Group) Company, which has seven subsidiaries. The businesses are spread across life insurance, pension plans, asset management, property and casualty, investment holdings and overseas operations.

The company is listed on the New York Stock Exchange, the Hong Kong Stock Exchange and the Shanghai Stock Exchange, and is the biggest public life insurance company in terms of market capitalization in the world.

4) Berkshire Hathaway

Berkshire Hathaway Inc. (BRK.A) was founded in 1889 and is associated with Warren Bu􀀦et, who has transformed a mediocre entity into one of the largest companies in the world. Berkshire Hathaway is now a leading investment

By Prableen Bajpai, CFA (ICFAI) | March 23, 2016 — 5:02 PM EDT manager conglomerate, engaging in insurance, among other sectors such as rail transportation, finance, utilities and energy, manufacturing, services and retailing through its subsidiaries. It provides primary insurance, as well as reinsurance of property and casualty risks. Companies like Berkshire Hathaway Reinsurance Group, GEICO, Berkshire Hathaway Primary Group, and General Re, National Indemnity Company, Medical Protective Company, Applied Underwriters, U.S. Liability Insurance Company, Central States Indemnity Company and the Guard Insurance Group are subsidiaries of the group.

5) Prudential plc

Prudential plc (PUK) is an insurance and financial services brand with operations catering to 24 million customers across Asia, the U.S., the U.K and most recently Africa. Prudential was founded in United Kingdom in 1848. Prudential Corporation Asia, Prudential U.K., Jackson National Life Insurance Company and M&G Investments are the main businesses within the group. Jackson is a prominent insurance company in the United States, while Prudential U.K. is one of the leading providers of pension and life.Prudential plc is listed on the stock exchanges of London, Hong Kong, Singapore and New York. It has approximately

22,308 employees worldwide, with assets under management worth £509 billion.

6) United Heath Group

The UnitedHealth Group Inc. (UNH) tops the list of diversified health care businesses in the United States. Its two business platforms - UnitedHealthcare for health benefits and Optum for health services - work together, serving more than 85 million people in every U.S. state and 125 countries. The UnitedHealth Group uses its experience and resources in clinical care to improve the performance of the health care services sector.

The company reported revenue of $157.1 billion in 2015. Fortune has featured UnitedHealth Group as the "World’s Most Admired Company" in the insurance and managed care sector six years in a row.

7) Munich Re Group

Founded in 1880, Munich Re Group operates in all lines of insurance and has a presence in 30 countries, with focus a on Asia and Europe. The company’s primary insurance operations are carried out by its subsidiary, ERGO Insurance Group, which o􀀦ers a comprehensive range of insurance, services and provision. Munich Re Group's home market is Germany, where ERGO is a leader in all areas of insurance. The group's newest arm, Munich Health, parlays the group’s risk-management and insurance expertise into the health care field.

The group has around 45,000 employees worldwide, working in all businesses of insurance: life reinsurance, health reinsurance, accident reinsurance, liability business, motor reinsurance, property-casualty business, marine reinsurance, aviation reinsurance and fire reinsurance. The Munich Re Group reported a profit of €3.1 billion in 2015.

8) Assicurazioni Generali S.p.A.

Assicurazioni Generali, founded in 1831, is the Assicurazioni Generali Group’s parent company. The Generali Group is not only a market leader in Italy, but is also counted as a prominent player in the field of global insurance and financial products. The group, with a presence in more than 60 countries, is an international brand with dominance in Western, Central and Eastern Europe. The Generali Group’s prime focus has been life insurance, o􀀦ering diverse products from family protection and savings polices to unit-linked insurance plans. It o􀀦ers an equally diverse range of products in the non-life segment as well, such as coverage of car, home, accident, and health, along with coverage of commercial and industrial risk.

The group has 77,000 employees and a client base of 65 million people worldwide. It has €480 billion in assets under

management and is one of the world's 50 largest companies.

9) Japan Post Holding Co., Ltd.

The Japan Post Holding Co., Ltd. is a major state-owned conglomerate in Japan. The company has four primary divisions: Japan Post Service (for mail delivery), Japan Post Network (runs the post o􀀦ices), Japan Post Bank (deals with banking functions), and Japan Post Insurance (provides life insurance). Japan Post Insurance operates within Japan Post Holding to provide insurance to its clients. The insurance arm makes use of the post o􀀦ices nationwide network, in addition to its own sales offices, to reach out and provide services to the clients.

Japan Post Holding, which went public in 2015, reported consolidated a􀁈er-tax profits of $3.84 billion from April through December of 2015. The group runs the largest insurer in Japan (Japan Post Insurance).

10) Allianz SE

Founded in 1890, Allianz SE is a leading financial services company, providing products and services from insurance to asset management. Allianz caters to customers in more than 70 countries with €1.8 billion in assets under management. Insurance products range from property and casualty products to health and life insurance products for corporate and individual customers. The company is headquartered in Germany.

In 2015, total revenues reached a new high of €125.2 billion euros.

The Bottom Line Some of the other reputable names in the insurance business are ING Group (ING), Prudential Insurance Company of America (a subsidiary of Prudential Financial, Inc., PRU), AIA Group Ltd., Ping An Insurance Company of China, Ltd.,

American International Group, Inc. (AIG), Manulife Financial Corporation (MFC), and MetLife, Inc. (MET). Picking the right insurance company to invest in is important and should not be based on a company's size alone. A few things on your check list should be the company's rating, its financial strength, if the company specializes in any particular type of insurance, refusal of claims in the past, proximity of o􀀦ice, premium rates and discounts o􀀦ered on multiple policies.