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Sophia Momodu & Imade are a Pair of Trendy Twins at #SMWLagos » Lifestylenaija | Breaking Celebrity Gist | Lifestyle | Entertainments



Mother and daughter Sophia Momodu and Imade Adeleke stepped out together to attend the Social Media Week Lagos.

The two stepped out in matching outfits, both of them pairing it with red bags – Sophia a handbag and Imade a backpack.

Image result for sophia momodu and twins

Sophia shared the adorable and trendy photo on her Instagram, writing:

Candids are always the best 😁
Twinning with the bestie @realimadeadeleke yesterday at the #SMWlagos2019 in our @thesophiamomodubrand mummy & I 👗❤️#ShopAfrica #TheKachItProject #TheSophiaMomodu

Previous articleOluwarantimi Donatus: Diesel Exhaust Fumes Are Not Good For Your Health

Patricia Yawson holds a PHD in Mass Communication from the University of Surrey Guildford UK, She is a One time classic editor at Lifestylenaija Media.

Daramola Opeyemi Is A Business Administrator, Writer , Blogger, Publicist ,Social Media Influencer, Digital Marketer, Artiste/Event Promoter, etc. Holds a degree in Business Administration( Accounting). You can reach him on his whatsapp handle : +2347036226374 or +22991272149

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Millionaire Mother of Two Reveals How You Can Make Millions Doing What You Love » Lifestylenaija | Breaking Celebrity Gist | Lifestyle | Entertainments



This post was compiled by Temi Ajibewa

If you’re sick and tired of your job and would really like to build a business around the area of your passion, then this is going to be the most important blog post you ever read. In this post, you will learn the exact steps you need to launch a profitable business around what you love.

One of the most painful things I have witnessed in my career as a business coach is the agony of people who wake up each day compelled by their ever-growing bills to go spend the most active part of their life working on a job they hate so passionately. It’s pure torture… but that’s how many people live.

So many people wish they could go out there and do what they really love and are passionate about but they’re stuck because…the bills have to be paid. So sad. They stay in the prison called job and hope for a better tomorrow – a ‘one day’ when they will finally be free to follow their passion. Sadly, this one day never comes for most people and they work until they’re either tired & retired or get fired.

Too bad.

A few years ago, I was exactly in this place; I hated my job, my job was too demanding that I did not have the time to do the things that matter most to me – take care of my family. And on top of this, my boss was a real pain. He made my life miserable. Until I resigned to find and follow my passion.

It has been over five years now and I have been able to build a 7-figure business that I am excited about each day – I go to bed late and wake up early with so much enthusiasm when I need to because I love what I do and what I do, loves me!

Have you ever wondered if it’s possible for you to make money doing what you love? It could even be by the side at the beginning then gradually, you will go fully into it and ditch the job you hate.

Well, you no longer have to wonder and wish you could make it happen for yourself…
After quitting my day job, building my own 7 figure business and helping hundreds of people launch their own profitable business in the area of their passion, I have decided to share the exact 5 steps process which you – and this is regardless of your education, religion or origin – can use to launch a profitable business around your passion, talents, skills, expertise or experience.

Are you ready? Let’s go.

  1. Become really clear on the problem your passion solves
  2. Identify who it solves the problem for
  3. Prune your passion
  4. Package your passion
  5. Promote your passion shamelessly.

I can guarantee that if you follow the exact steps mentioned here religiously for 90 days, you will be smiling to the bank. Of course, I understand this is a summarized version of the 5 points.

In order to help you take action on these steps, I have prepared a comprehensive guide for you. In this guide, I go over each of the 5-step process in detail showing you what you need to do at every point in time.

Download it at –

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Oluwarantimi Donatus: Diesel Exhaust Fumes Are Not Good For Your Health » Lifestylenaija | Breaking Celebrity Gist | Lifestyle | Entertainments



People who live in large cities like Lagos, Port-Harcourt and Ibadan are exposed to diesel exhaust in their everyday life, either through their occupation or ambient air. Toxic gasses emitted from diesel vehicles and generators contribute to thousands of unreported deaths in Nigeria yearly.

Many Nigerians use electricity generators of varying capacities as an alternative source of power due to the unreliability of electricity supply. Diesel engines from vehicles and electricity generators release a toxic mix of small particles (exhaust) called particulate matter. The particulate matter is created during the incomplete combustion of fuels such as diesel, petrol, natural gas, fuel oil, etc.

Exhaust from cars and generators account for the majority of urban air pollution. The exhaust of a vehicle or generator is expelled and released into the environment through the exhaust pipe or propelling nozzle.

Particulate Matter Found in Diesel Exhaust

  • Sulfates
  • Ammonium
  • Nitrates
  • Carbon monoxide
  • Condensed organic compounds, and even
  • Carcinogenic compounds and heavy metals such as arsenic, selenium, cadmium and zinc.

Health Effects of Diesel Exhausts

Though the diesel exhaust varies in sizes, they are mostly ultrafine particulates which are small enough to penetrate the cells of the lungs. These particulates cause a lot of effects to human health. Particulate matter irritates the eyes, nose, throat, and lungs, contributing to respiratory and cardiovascular illnesses and even premature death. They also hurt the respiratory system, causing coughing, choking, reduced lung capacity and asthma. Research has shown that exposure to high levels of diesel exhausts causes cardiovascular diseases, lung tumors and cancer

Environmental Impacts of Diesel Exhaust

Diesel engines in cars or generators release much particulate matter directly into the air and they transform into “secondary” particulates in the atmosphere. They affect the environment by causing global warming, acid rain, climate mitigation, loss of agricultural production, and they damage ecosystems, thereby harming human health.

According to the study published in the Nature journal, diesel vehicles, particularly buses, lorries and heavy-duty vehicles around the world, produce 4.5 million tonnes more diesel exhaust than they should under international emission standards.

Solutions to Diesel Exhaust Pollution

  • Cleaner Fuels – The government should adopt more stringent fuel standards to reduce the amount of sulfur allowed in diesel fuel. Lower sulfur diesel fuel allows the use of advanced emission control technologies, which when combined, can reduce emissions significantly.
  • Emission control equipment – Cars, buses, trucks, trains should all have equipment that can control the emission of diesel exhaust like a catalytic converter which will help vehicles to manage the discharge of diesel exhaust from the propelling nozzle.
  • The use of specialized exhaust filters – Vehicles with poor exhaust pipes or nozzles should be eliminated from all highways and streets to reduce the effect of diesel exhaust fumes that are released into the environment, and people should be advised to use specialized exhaust filters.
  • Encourage better engine design – Manufacturers of automobiles should build better engines that can undergo complete combustion of fuels.
  • Buying/replacing older vehicles – Scrap heaps should be replaced with better ones or to replace old cars with cleaner vehicles. The importation of already used automobiles from the western world to Nigeria should be reduced. This will help to reduce the amount of emission of exhausts that are being spewed to the air.
  • Carbon monoxide detectors should be installed in places like hospitals, markets, schools and offices.
  • The regulatory body responsible for the control of emission of exhaust gas on the road and environment should put in place stringent rules for automobile users to obey to avert the effect of exhaust fumes on human health. An automobile that lacks proper emission control equipment should be banned from plying the highway and streets.
  • Electricity generators should not be placed in the room or closer to the living rooms, and the exhaust pipe should always be directed away from the room.

Particulate matter hurts the environment and human health. In fact, they are so bad for the environment and our health that it accounts for over one-quarter of the total hazardous pollution present in the air.

Summarily, it’s pretty evident that diesel exhaust fumes, regardless of whether they come from a small car, large lorries, generators, or a giant manufacturing plant, are doing some severe damage not just to our health, but to the whole environment. It’s wise, therefore, that we do our best to limit our emissions of these gasses as much as possible.


Photo CreditDreamstime

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Top 5 Affordable Life Insurance for People With Depression -2019 Updated » Lifestylenaija | Breaking Celebrity Gist | Lifestyle | Entertainments



In previous generations, struggles with depression and anxiety were rarely discussed. But today, more and more people are opening up about their mental health.

Every day, a new celebrity discusses their mental health issues.

And businesses and organizations are beginning to build programs and benefits to help their employees’ mental and emotional stability.

Because there’s a lot of conversation surrounding depression now, you might be wondering about the relationship between your depression and life insurance options.

First, we’ll start with our best life insurance companies for people with depression.

Later, we’ll discuss the types of depression and cover how your depression might impact your life insurance options.

With some high-risk applicants, like smokers, there is a consensus among insurance providers on how their premiums will be rated (with life insurance for smokers being much higher).

*Learn more about no medical exam options

With conditions like depression or anxiety, there is far less agreement across the board.

In fact, there is no standard rating class for depression, making the time you spend shopping for your life insurance even more important.

With a little research, you can determine how much term life insurance you need, or maybe land on a whole life policy to meet your needs at an affordable rate.

Since some companies have harsher guidelines than others, you need to pinpoint a carrier who is lenient and still awards the best rates possible.

I’ve done a bit of that research for you, comparing and compiling the best life insurance companies for individuals with depression.

Lincoln Financial

lincoln financial group logoThrough the years, Lincoln Financial has excelled at selling insurance to higher risk clients.

They have carved a niche for applicants with higher cholesterol scores, older clients, clients who use tobacco, and more.

One of the categories where Lincoln excels is with applicants with depression or anxiety problems.

Every time I’ve talked to a client with depression who has gotten quotes from several companies, they relay that Lincoln is one of the cheapest options.

Not only are they one of the more affordable choices for individuals with depression, but they also have several plans to choose from.

Lincoln sells traditional level term plans (Lincoln Life Elements Level Term), no exam policies, permanent life insurance, and guaranteed issue plans.


prudential review logoAnother solid choice for individuals with depression, Prudential is known for their recognizable logo, “The Rock.”

While you’ve probably seen their mountainous logo, you may not know about their rates for people diagnosed with depression.

Prudential is also excellent for any client who is considered overweight, as their weight charts are looser than other companies.

Compared to other carriers, Prudential is more willing to take on higher-risk life insurance clients in general.

Another unique factor of Prudential is their “non-smoker plus” rate class for people who are in great health otherwise, but smoke.


john hancock logoHancock is one of the oldest life insurance companies in America, having been in operation for more than 150 years.

And there’s a reason they’ve been around for so long.

Hancock is an extremely stable company who has perfected their customer service and their life insurance products.

They’ve thrived for a long time, and professionals expect them to continue to for an even longer time.

Not to mention they have some of the best grades from all of the insurer rating companies (A.M. Best, Moody’s, Fitch).


aig direct review logo imageTo be honest, AIG is not going to be the fastest company, but if you’re willing to wait, they can be a great pick.

AIG has plenty of options and rates to rival most of the competition.

AIG believes in tailoring plans to meet YOUR needs, not forcing you into a pre-planned policy.

One of their most unique strengths is their term policy’s flexibility.

For example, you don’t have to buy a 20-year term plan if you only want 16 years.

It’s your plan, and you can customize it to meet your exact needs.


protective life insurance company reviewIf you’re interested in buying insurance for your children as well as yourself, Protective has products designed for you.

One of their greatest plans is the “Protect My Child” whole life policy.

If your child is between the ages of 2 weeks old to 17, you can buy this plan and it will give up to $100,000,which will double when they turn 18.

The best part, for sufferers of depression, is that there is no medical exam required. Period.

Why Depression Affects Life Insurance Rates

how to buy life insurance with depressionLet’s look at the numbers.

The fact of the matter is, depression is more common than most Americans realize.

  • The results of the 2016 National Survey on Drug Use and Health estimate more than 16 million adults had at least one serious episode of depression in the year 2016 (defined as two or more weeks of a “depressed mood” or loss of interest and at least four other symptoms).
  • Depression is more common in adults ages 18 to 25, and in multiracial individuals.
  • Another potentially surprising statistic? Women are much more likely to experience depression than men.
  • Depression is the leading cause of disability in the world and it’s continuing to grow more prevalent.

With more than 16 million people suffering from depression, life insurance companies are now faced with making decisions on how a diagnosis of depression might change their plans and premiums.

Types of Depression

Not every depression is the same.

With depression, like any other illness, there are different forms and varying degrees of severity.

The specific type of depression you have and the severity of it could change how much your premiums are and your ability to get approved.

Let’s take a look at some of those different types:

Major Depression

Major depression is what most people probably think of when they hear the word depression.

People with major depression have feelings of sadness, less energy, extreme irritability, problems sleeping, changes in eating patterns, and more.

Depending on the severity of major depression, it can prevent people from going about their lives.


This is a less severe kind of depression.

Most people classify dysthymia as a “functional depression,” meaning patients will feel “off,” but it doesn’t stop them from their day to day activities.

Symptoms can range from sadness to problems sleeping.

With a diagnosis of dysthymia, most professionals suggest talking to a therapist before trying medication.

Postpartum Depression

Here’s a statistic you might find shocking:

85% of new mothers feel “down” or “blue” after having their baby.

Around 16% of those new mothers are diagnosed with postpartum depression.

Much like other kinds of depression, postpartum depression has the same symptoms: sadness, anxiety, tiredness, etc.

With this kind of disorder, mothers might feel an extreme disconnection from their child or fear of harming the baby.

This depression typically develops in the first year after giving birth.

Seasonal Affective Disorder

As you can probably figure out from the name, SAD impacts people during the winter months.

Lack of sunlight is primarily to blame for SAD, making people more irritable, tired, and anxious during winter.

Psychotic Depression

While some depressive diagnoses might require little treatment or may pass with time, others like psychotic depression require more attention.

This kind of depression is characterized by bouts of psychosis, which involves hearing sounds or seeing sights which aren’t there, or having delusions.

Psychotic depression can create serious problems if not managed correctly.

Bipolar Disorder

Everyone has heard of bipolar disorder, but few people understand what it actually is.

One of the most stigmatized types of depression, bipolar disorder, occurs when a patient suffers from drastic lows and then extreme highs.

Bipolar disorder is also known as manic-depressive because the moods fluctuate between mania and depression.

Mania is classified as having more excitement than usual, high-energy, racing thoughts, and excessive confidence.

Like the other types of depression on the list, bipolar disorder can be treated with medication and therapy.

Situational Depression

Also called adjustment disorder, situational depression is caused by a big life-changing event or a stretch of high-stress.

This is one of the most common types of depression because everyone experiences times in their lives which are very stressful.

Usually, situational depression doesn’t need medication, but it can be treated with a short-term prescription if your doctor sees the need.

With a general idea of the most common types of depression, let’s review which life insurance companies provide the most beneficial coverage for clients with mental health issues.

No Exam Life Insurance for People with Depression

Maybe you don’t want to go through all the hassle of a traditional policy.

If so, then you’re the ideal candidate for a no exam life insurance plan.

Just about every company on the market sells a version of life insurance without the health exam portion.

The company will still look at your medical records and prescription history, and you’ll still need to complete the health questionnaire.

No exam is quicker and easier, but it’s also more expensive and restricting.

Every carry puts a lower limit on the amount of life insurance you can buy with a no exam policy as well.

If you’re considering buying a no exam option, you need to decide what’s more important to you: a lower premium or convenience.

Do your research, compare rates, and see how your depression will impact your premiums, with and without an exam.

Possible Rate Classes

Here’s some good news: people with depression can still get Preferred or Preferred Plusrates!

During the series of health questions most insurers require, you’ll be asked about your depression diagnosis, the severity, the timeframe, and how it was or is treated.

If it’s been several years since you were treated with depression and you no longer take medication, then it won’t jack your rates up.

As long as you’re managing your depression carefully, you can end up in the best possible class.

The most common rate class is Standard.

Having depression does put a red mark on your application.

If you have any other health problems or other red marks, then you’re probably going to be put down a peg when it comes to your rate class.

Standard rates are not the lowest, but they are still extremely affordable with most companies.

If you’re in exceedingly poor health, there is always a chance you’ll get sub-standard rates.

So if you have depression or anxiety paired with other major health complications, the carrier might be more wary of awarding your coverage.

Bottom Line

Just as people are different, each depression and anxiety diagnosis is different.

Some are more severe than others, some need prescription treatments, others need therapy to heal.

Some complications are long-lasting, while others may be a short chapter in your history.

When it comes to applying for life insurance with depression, there is no “ultimate guide.”

But if you’re diagnosed with depression or you’ve suffered from an anxiety in the past, take heart knowing there are policies on the market you can afford.

Get started with our easy to use life insurance quoting tool on the side of the screen.

With this form, you’ll get almost instant quotes from the dozens of carriers we’ve partnered with.

Ease your mind, ease your insurance shopping process, and pick up a great life insurance policy today.

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