Monday 29 October 2012

Shay Mitchell - Just Jared Halloween Party 2012

Shay Mitchell - Just Jared Halloween Party 2012

Shay Mitchell is super sexy as Foxy Cleopatra at the 2012 Just Jared Halloween Party held at Siren Studios Orange on Saturday (October 27) in Los Angeles.
The 25-year-old Pretty Little Liars actress got a live psychic reading at the bash via Oranum, a web-based global esoteric community that connects you with the world’s most renowned astrologers, tarot masters, clairvoyants, healers and many more. It was recently featured in Christina Aguilera‘s “Your Body” video!
Guests at the Halloween bash enjoyed specialty cocktails by Svedka Vodka and were also spotted enjoying psychic readings including Pitch Perfect actress Hana Mae Lee, dressed as Picasso, and Mena Suvari, who was joined by boyfriend Salvador Sanchez and stylist pal Taylor Jacobson as a trio of clowns.
“Just had psychic reading with Love Doctor Nicky at @OranumGlobal’s #halloween bash! #justjared,” Mena tweeted.

The "Illuminati Puppet", Lady Gaga Tweets Naked Picture of Herself!

The "illuminati puppet" like they tagged her is at it again. Last time, she unveiled her new perfume ad, naked with only some weird 'men' crawling over her (see the picture Here and today, she's tweeted herself stack naked! I pity those who copy her.

Man Commits Suicide in Port Harcourt By Jumping From 8 Story Building

Got this from Kanyinulia blog. According to her, the man jumped down from the 8th floor of a building at the federal Secretariat In Port Harcourt just now! The details are still sketchy but can someone tell me what's happening in Port Harcourt? Why all these deaths?


I'm Shooting the Video of My Songs... You Can't Stop Me- Tonto Dikeh

Here's Tonto Dikeh's interview with  Stella Dimokokorkus.

What prompted you into singing?

I love music and I wanted to do my own thing, to contribute my own music.

You got monstrous negative response to both singles. How did feel with all the attacks?

I listened to my songs over and over again and I told myself I did well. In all I see only the positivity in it,I made History. Peoples opinion of how my music was has further strengthened my belief that dreams die when you let the next man's opinion get to you and I am using now to pass a message to everyone out there, if you can just do it. Don't let anyone's opinion kill whatever dream you have or try to stop you from taking the next step. Click to continue

You tweeted that you were not giving up. Does that mean you will become actively involved in music?

I love my acting career and I don't see myself jumping into full time music. I am however shooting the musical video of my songs,I will not let the hating stop me.

You released your song on Wednesday October 17, 2012 and two days later despite the negativity your song had hit 5.2 million download on the internet. How do you feel?

The most unanticipated and hated song became the most talked about,most controversial,most downloaded and of course the most listened song.I feel great Stella, no regrets.!

We look forward to the musical videos.till then I am sure comedians will soon add
Your song jokes to their shows.

Hopefully. Thank you and here's a loud shout out and thank you to everyone who stood up for me.

Mum Breastfeeds Her Dog But Bottle-Feeds Her Kids

This is the world of Terri Graham, a 44-year-old mother of two from from California – who breastfeeds her pet pug, Spider.

“I’m finally getting the breastfeeding experience I missed out on with my children,” she tells the 20 October issue of ‘Closer’ magazine. “People may say I’m a freak, but having Spider suck on my boobs means I finally feel complete and a better.

Gov. Fashola Advises Okada Group To Take A Trip To Hospitals To See The Havoc Wreaked By Their Activities.

Governor Fashola who spoke on the topic “Freedom from Fear” in relation to Law and Order in Lagos State said they should visit the hospitals and emergency wards and see those who have lost limbs, arms, those who have lost children or those who have become orphans by the recklessness of the okada riders.
According to the Governor, in less than two decades, the okadas have gained so much prominence that it has become a phenomenon which should not have been allowed in the first place, stressing that the elites also contributed as many encouraged their staff and employees to start taking okadas to run errands quickly.
“The only way to stop the business from flourishing is by not patronizing them. It is a business that if the income from it dwindles, the business proposition of those in it will change”, he said.
Conducting an overview of various facets of life in the State, Governor Fashola explained that he had taken it upon himself to lead by example by shunning the use of siren to escape from the traffic, adding that as a Governor he has always taken it upon himself to fight against any attempt by Very Important Personalities to close roads and the people must be ready to fight against behaviours and conducts that are hazardous to healthy and secure existence..vanguardngr.

Nelly and'em couple

Meet Rita Dominic's Sister, Nse


Pictures From Flavour's Nite Club Launch

The club was launched on the 24th of this month in Enugu. Artistes like Tiwa Savage, Iyanya, Kcee, Bracket were there to grace the occasion. More pictures when you continue.

FG To Reopen 3rd Mainland Bridge On November 6

The Federal Ministry of Works Thursday said all sections of the 3rd mainland bridge will be opened to traffic on November 06, 2012.  It would have been opened last week like they promised, but construction men couldn't meet up with time.

Have Some Damn Compassion... Toni Payne Tells Ksolo

According 2 US Ambassador, Nigerians Can Now Collect Their Visa In 20 Days.

Well, this is some good news to our American-loving Naija peeps. The wait is over and you can now get your visa in 20days opposing the 150 days delay in earlier days.
According to Daily post, while speaking in an interview, the United States Ambassador to Nigeria, His Excellency Terence McCulley made the revelation. In his words ‘We recognize that the visa is an important part of our relationship and we have every interest in facilitating legitimate travel visas of students, people and tourists who want to travel to the US as part of dynamic series of exchanges between both countries’.
McCulley further commended the efforts of the consular offices in Lagos and Abuja for the positive development which he attributed largely to their hard work and commitment.
He also expressed his hope that the move would eradicate the presence of middlemen who defraud Nigerians all in the name of assisting them secure a visa promptly. 

Rita Dominic on The Big Friday Show

The multiple award winning actress and budding producer, fresh from her acclaimed latest effort 'The Meeting', co-hosted yesterday's episode of The Big Friday Show, Nigeria's favourite entertainment programme, with comedian and host, Basketmouth.

Photos: Fashola Visits Burnt Euro-Asia Plaza Building

Gov Babatunde Fashola visited the scene of the inferno that thrashed the Euro-Asia Plaza, a five-storey commercial building Breadfruit Street, Lagos on Saturday evening

Photo: Cossy Orjiakor Opens Play Girl Mansion

Embedded image permalink

Miss Ghana Contestants In New Photoshoot

Miss Ghana 2012 has been scheduled to take place on November 10th 2012. One of these beautiful contestants will battle to win the crown at the Accra International Conference Center. 

To vote any of these contestants , send a text using the number next to the contestants name. I wish them all the best!

Kidnapped: Help find Mrs Remilekun

The lady in the picture above is Mrs Remilekun. She was kidnapped yesterday night at a Mobil Filling station around Omole, Ojodu axis. Any one with useful information concerning her whereabout should please contact the nearest police station or call 08073396179.

Let me share my own experience with you. Some days ago while driving out with my kids, someone called me behind and I stopped, thinking my kids had opened the door or there was probably something wrong with my car. When I wound the glass, the guy told me he was sorry to disturb me but  he has been seeing me around for a while but I was always going into my compound anytime he tried approaching and couldn't get in because of the gate man and fear of been embarrassed.

He then said he has been out of job for some days and he needed some money to take care of his family. You might be wondering why I am telling you this story, it for us to be watchful and prayerful. We are been watched by our neighbors, friends, colleagues, you name them. When you let out a vital information,they strike. 

Let's be careful with what we say and the things we do, the world is full of wicked people. I hope this information will be helpful to someone. I also pray Mrs Remilekun is found safe!

Lagos To Get Bicycles Lanes

bicycle lanes
In a bid to give Nigeria’s most populous city an effective transport system, the state government has announced plans to introduce bicycles lanes on major roads across the city. This announcement was made by the…

the Commissioner for Transportation in Lagos, Mr Kayode Opeifa, on Sunday at a cycling event ‘Park and Ride’ which urge Nigerians to park their cars and ride bicycles for an enhanced lifestyle and cleaner environment.
Mr Opeifa noted that “the bicycle programme is on and pretty soon, you will see some roads in Lagos, marked as bike zones.” “ The alternative to Okada (motorcycle) is the bicycle.”
This will inflate the price of bicycles, we will then start seeing pimping of bicycles, alloys wheels, radio, AC and DVD's ,lol! Sounds like a good idea. 
Please share your thoughts!

What Are Those Kids Up To?

What are those two kids up to behind Obama?Who cares about dead-heat presidential elections?

A little boy kept his focus on what really matters – girls – when President Obama made an unscheduled stop during campaigning in Florida. As Obama, all smiles, balances a small child on his knee in the front row, but was totally oblivious to the young boy in the back row, standing behind the p
resident who thought this was his chance to make that move. He grabbed hold of the neck of the little girl next to him and planted a kiss on her cheek.

The president called a halt to his schedule so that he could have his photograph taken with a group of schoolchildren he spotted on a tennis court, waiting to wave at his motorcade as he continues efforts to win the presidential race.

Well, there’s one race that young black male is already winning…

Psquare Open Up – ‘We Have No Hand In Our Mom’s Death’

Popular musicians Paul and Peter Okoye, aka Psquare have broken their silence on their alleged involvement in the death of their mother.
On Thursday, July 12, 2012, the world received the sad news of the death of Mrs Josephine Okoye. She was reported to have died after an unsuccessful heart surgery in an Indian hospital in Kolkata. We gathered that the supportive mother, who had been a pillar of support to her children, had been ill for a while, as her last public appearance was the Psquare Invasion concert in August 2011. She took ill shortly after and was diagnosed with a severe case of diabetes. Although initially admitted at the St. Nicholas hospital in Lagos, she was eventually flown abroad after her case deteriorated.
Mrs. Okoye passed away after over 5 hours of heart surgery, according to Psquare’s older brother, Jude Okoye, ‘You know that she was a prayer warrior, so I don’t need to tell you how she stood by us spiritually. Besides, she was the only one that believed in us when we decided to make a career out of music. I can remember that she used to sneak us out at night then to attend shows without the consent of our father who insisted that we must quit music to face our education’ he added.
Sympathizers, included friends, colleagues and fans thronged the artistes’ Omole residence to sign the condolence register and commiserate with the brothers.
While the Okoye family where busy making arrangements to give their beloved mother a proper and befitting burial in their home town in Anambra State, rumours broke out alleging that the brothers were members of the Illuminati Cult and had sacrificed their mom for fame and wealth.The rumour mongers were quick to come up with various theories to back up their allegations, a few of them including their riches and fame, joining Akon’s Konvict Music and featuring popular American rapper Rick Ross in one of their songs, among many other stories.
The absence of many friends and colleagues in the music industry at the burial also fueled the rumours, as many claimed many of the artistes were afraid of being attached to the alleged Illuminati caucus. The Illuminati is alleged to be a conspiratorial organization, which is alleged to mastermind events and control world affairs through governments and corporations to establish a New World Order, they most common sign is that of a pyramid (The triangle shape).
While this was shocking to the Okoye’s, who were still in mourning, they remained silent.
However, in a recent interview with the Punch, while answering various questions on their career success and achievements so far, they were asked about their mom’s death and the allegations, read excerpts from the interview:
How do you feel about your mum’ s death?
We feel so bad to know that our mum is no more. But who are we to question the Almighty God. Traditionally, we are supposed to bury her and not the other way round. It is just that it happened so soon.. Indeed, her death was a big blow to us.
It was rumoured that you people knew what happened to her?
Then, it is too bad to hear that people are accusing us of being responsible for our mum’s death. We are not blaming anybody. People are free to say what they want to say. We begin to wonder whether  there is anything that will ever make us to go for the life of our beloved mother.
Her life cannot be quantified in terms of money or fame. So, our answer to this question is that we have no hand in our mum’s death. We only blame the death that snatched her away from us if not so, people won’t be pointing accusing fingers at us. She died after a brief illness.
Aside [from] your mum’s death, there was another rumour that you guys have joined Illuminati?
We are short of words. Why would anybody say such things about us? Well, the fact remains that we do not belong to any secret cult, whether Illuminati or anything you call it. We owe our achievements and everything that is happening to us to Almighty God.
In recent times, many Nigerian artistes with international relations or ties, whose success and rise to stardom appears fast, are quickly accused of being members of the devilish Illuminati cult such artistes include the likes of, D’banj, Wizkid and even the late Dagrin. While many still claim, it’s all a farce others are quick to accept signs and tattoos done by the suspected members as proof.

A warning to bloggers from K-Solo's management

K-Solo with new fiancee, Bimbo
K-Solo's estranged wife, Kikelomo, announced the birth of their son two days ago. So what is K-Solo doing here, denying the baby as his?

St Rita Catholic Church bomb blast: A message from Pres. Jonathan

The bomb blast at St Rita Catholic Church in Kaduna today killed at least 8 people and injured over 100. A suicide bomber drove a Honda CRV packed with explosives into the church building at about 8.45am while worshippers gathered for the Sunday service. Below is a message from our president through his media spokesman, Reban Abati

Mr President has got to stop condemning these killings and find ways to stop it!

Lara George welcomes baby girl

The gospel singer and former Kush member gave birth to a baby girl in the US yesterday. Big congrats to her!

I Am Ready To Fall In Love Again –Kate Henshaw Opens Up

Face of Onga, ex-Glo ambassador and now, a judge for Nigeria’s Got Talent reality show, actress Kate Henshaw can be rightly referred to as multi-faceted and successful.

In this exclusive chat with NET, Henshaw talks about her passion for acting and the many challenges she has dealt with, including her broken marriage.

It’s been a while, where have you been?
I’ve been around in Nigeria. You don’t have to come out all the time. I can’t do that because it will water down my brand and I want people to have an expectation when they see my face on posters. That ‘Oh I have not see Kate in a while, for her to be in the movie, I must see it’ feeling and that alone is enough for me.

You are an actress with an appeal that cuts across different generations. What do you think is responsible for your relevance after almost 20 years in the business?I just try to be myself and I do a few other things; I don’t only act, I MC and I have business that I do on the side, because acting alone cannot sustain you. Again, I think my ability to smile and laugh at every situation. People tell me when I smile, it’s as though I don’t have any problems, some even ask if I ever get angry but I tell them I choose to be happy, and that is the most positive attitude to grow through life. Life is hard, especially in Nigeria, things are hard, [but there's] no need carrying it on our faces as though the world is on your shoulders. A lot is happening and I ought to be grateful.

Now that you are over 40 and have spent over 19 years in the industry, how many more years do you plan to continue acting?If I can reach 100, it won’t be bad. Besides, 40 is a number and people say life begins at 40, which means I am only a baby, and life has just begun for me.

Still on your acting career, as someone who has been in several movies and played diverse roles, are there roles you still wish to play?A mad woman. Someone who is impaired physically or mentally. I want a case where people will see the movie and ask themselves if I really am the one in the movie.

What’s the most memorable movie you’ve done?
My very first movie, When the Sunset. I also loved the role I played in Stronger Than Pain, with Nkem Owoh. That role was different for me. In the beginning, I was really doubtful if I could play it well, but I did it and it worked out.

As someone who had a medical background, how easy was it for you to blend into the movie industry at first?It was hard. I was scared. The script was as thick as a bible. I was with Franca Brown, Bob Manuel, the late Funmi Martins, and Sandra Achums. I didn’t think I could do it, but they were all so nice. That was when we really treasured doing movies properly, we paid attention to detail, countless rehearsals. I remember spending a lot of time with Bob Manuel, people thought we were going out.

Having spent considerable time as an actor, what’s next? Are you considering going into music?
You people should leave me. I don’t want to disgrace myself. Acting is my stronghold, I will stay there. I don’t want to veer into something and get stuck in it. I might do a collaboration soon, you never can tell.

A lot of your colleagues are beginning to go into roles behind the scenes. Will you be doing the same anytime soon?
Everyone doesn’t have to produce or direct movies, some people just want to remain in front of the camera. I have tried my hands in production. I produced a documentary for the Lagos State tax advert, I shot that one as my own contribution for them to help conscientious Lagosians on the need to pay their taxes. I also did one for the Akwa Ibom State government. I am more of someone who can plan and all that, but movie is plenty money.

Was acting something you always wanted to do?
Funny enough, I have always wanted to be a musician. I wanted to sing but my father objected strongly.

So when did acting set in?
It just happened. It’s just few years ago that I started doing it professionally; when I started it was just a case of trying to see what it will bring out for me. The late JT Tom West, I will always be grateful to him for taking me to my first audition. After my first movie, different people started coming with different jobs and I was like ‘Yeah, money is coming.’

Nollywood producers have a knack for stereotyping actors. How did you manage to avoid this?
You have to be picky. If the script comes and it’s the same thing, you ask if they can change it, because nobody will do it for you. However, if it is a case where the director has foresight and wants to see how the actor can manage the role, only then will they call you back, otherwise, the typical Nollywood producer will give you what they think people like you for.

What challenges did you face as a young actor in a budding industry?
For me, my first audition got me so many roles, so I won’t say I had lots of challenges. Once I surmounted working with the various stars on set, I started learning and heeded to advice I got from some people. I also made a promise to myself to be professional about everything and always be on time. I don’t do lateness at all. This is because Uche Obi Osotule and I were up for the same role from Opa Williams in the movie Onome. He said he was going to give it to the first person that arrived. I got there ten minutes past eight and lost the role because Uche got there before me.

Having spent almost two decades in the industry, what would you say are the challenges faced by players in the industry?Money. Lack of cohesion between guilds and associations. Inability to use certain structures to be able to shoot our films; for instance, getting the airport is not easy, and other places, they charge. We pay taxes as citizens of this country, and as film makers, we should have a deduction or access to places. While Dora was the Information minister, she complained we were portraying the police in the bad light, wearing slippers and all, but when they did not give us the needed thing, what were we to do? They need to give us the right support to achieve this.

The trend in the industry is cinematic movies and home videos. This has negatively affected soap operas, for which you are popular. What is your take on this?There will always be a place for the different aspects of the entertainment industry. Whether you go to the cinemas or you buy a DVD. I have not done soaps in a while, it remains something I love doing, but because of the frequency, you have to be available to do a lot of recording. There is always room for soaps, but it has to be something that will attract people like Check Mate, or Candle Light. I can’t pick just one. I have done TV, soap, and stage, and I love all of it. I wanna do everything.

You strike people as a happy-go-lucky individual. Share with us some low moments in your life.
Generally, when life gets you down. The issue of the break-up of my marriage will get any one down, having being through 12 years and you had plans for the marriage and all of a sudden, everything stops, but then, that’s life. It hits you with a lot of things but you shouldn’t let it get you down.

Tell us more about your former marriage. How were you able to deal with it?
It’s God. He makes things beautiful in His own time. The slightest bit of strength is all is needed to rise up. People have died in marriages, some have lost body parts while in it, and others have spent years in it. It all depends on individual, it’s just to make the most of every situation and move on. I have so much that I want to do. I have no time to be wallowing in self pity. Marriage does not define who I am, neither does it define anybody. I came into this world as an individual, two people meet and decide to make it work but if it doesn’t, let it go. I wish you well, you do same, especially when there are children involved, because they are the worst hit. My plan now is to ensure that my daughter has the best in life, no matter what.

Why did you break up?
It wasn’t working anymore. It’s good to leave, rather than continue to manage it and live in strife and rancour.

A lot of Nigerian women have recently shared their stories of physical violence in the hands of their husbands. Did you experience this?No, not at all.

What then was the cause of the break up?

Any regrets?
No regrets at all. My daughter came out of it and she is the most beautiful thing ever.

Any possibility of reconciliation?
No. My daughter is the most important person and she has to be taken care of. As far as she is concerned, we are for better, for worse.

Are you making plans to give love a chance again?
I don’t have anything against love. I want to love again, after all, God gave us his son to love us.

Away from your marriage, let’s talk about the new leadership of the Actors Guild of Nigeria. What is your take on this?Hopefully, Ibinabo Fiberisima will turn things around for AGN. Basically, without the actors, there will be no films. We are like the biggest body ever, so I am praying she can turn things around and make us more unified, because the division is what has caused us to not to be where we ought to be. We have a lot more to do to better ourselves as a body. We need to get our acts together and pull this through together.

What’s your opinion on Emeka Ike, who seems displeased about the election?
Emeka should join forces with I.B and stop all this rancour because it doesn’t make us serious at all, which is unnecessary. He should drop whatever suit or case he has, marry his plans and support IB. Enough is enough!

What is your beauty regimen?
I work out regularly, everyday. I have my facials, massages. I love to rest, travel and I eat right. I do exercises too. I do aerobics, weight lifting, dancing; everything that will make me look good, I do it, and am very diligent with my exercises.

How do you unwind?
I relax, I go out with friends, I travel on holidays and take a rest.

Where was your last vacation spot?
Miami, and it was great, because the weather was just like what it is in Nigeria..

Let’s end this conversation with this. Tell us what you think of Aluu 4 murder…
It should be condemned. It’s like every day, we sink lower into the ground as human beings as Nigerians. Our humanity is totally lost. There are no longer the days when we see someone in trouble and we play the good Samaritan and try to help. These days, everybody will just stand and look, nobody wants to help. The security level is so low and a lot of similar killings have happened in Mubi, Boko Haram attacks and all. It is terrible.

Karen Igho Releases Semi-Nude Photos of Herself

"Why would Karen say her computer was hacked and then tweet a semi-nude picture of herself?". This and many others are the questions being asked by people who believe 2011 BBA winner, Karen Igho is playing pranks with a view to remain relevant in the news.

She recently cried out on micro-blogging site, Twitter, that her computer had been hacked into and was scared of some of her ‘private pictures’ leaking. But it appears she's the one now leaking her "private pictures".

See the semi-nude pictures below....

LADIES: Why You Must Go For Breast Screening Immediately!

At the start of 2012 all seemed to be going well for Kemi Thomas and her family. Their first child had just gained admission into a university, her husband’s business was beginning to turn around after a difficult year and they had finally completed their own home and recently moved in; it seemed like it was going to be a good year.
In April, Kemi noticed a small but palpable lump on her left breast. Her doctor referred her to a teaching hospital and a biopsy confirmed that she had breast cancer.
Kemi had surgery in May at a cost of N100,000 to remove the lump and she is now having a course of chemotherapy which is costing her N35,000 each week. She will need six sessions in the first instance. She will require a second operation in due course, followed by radiotherapy for which a down payment of N100,000 is required. 
Beyond this she is told that she will require treatment for at least five years for ultrasound scans, blood tests, kidney and liver function tests, chest X-rays, and so on; some of these will have to be repeated. Before the end of the first year, her illness had gulped N1.25 million and the costs kept piling up.

Members of Kemi’s extended family rallied round as best they could but the exorbitant costs over a prolonged period of time made it impossible for them to continue to contribute as they had done in the early stages of her treatment. Her husband had no choice but to put their new home up for sale to release badly needed funds to try to save her life. Their finances were being quickly depleted.

As October, “breast cancer awareness month” draws to a close, it is important for us to spend a little time focusing on this dreaded disease. Most people tend to overlook the financial implications of a serious illness. In our society it is seen as tempting fate to even consider the possibility that one could become really ill let alone the fact that one could die.

A key message for Breast Cancer Awareness Month in the United Kingdom is that one in eight women will be diagnosed with breast cancer. Without being absolutely certain of statistics here in Nigeria, it is clear that it is becoming more and more prevalent and provides us with another reminder about the importance of having health insurance in place that can help you access the health care you will need if you are diagnosed with a serious illness. 
Whilst this will give you a better chance of survival, it is important to note that it is largely prevented through a healthy lifestyle with an appropriate diet, regular exercise and early detection through breast examinations and regular screening that improves ones chances of beating the disease. Encourage your loved ones to do the same.

Far too many people ignore the need for insurance until a major mishap or setback occurs; it is only then that the impact of inadequate insurance coverage becomes glaring. No matter how meticulous you are with your finances, failure to purchase adequate insurance can impair your financial future and put you or your loved ones in a desperate situation. Dire medical conditions are difficult enough to cope with; if you become ill, the last thing you need to have to worry about is mounting financial woes.

How healthy are you? If you or anyone in your family were to ever become gravely ill, can you afford the best medical treatment available? Do you have health insurance in place? Health insurance will cover at least some of the costs of treating the insured person’s illnesses or injuries. Some policies will pay for preventive care, such as annual physicals and diagnostic tests. 
You may have health insurance as an employee benefit from your job or you may buy an individual health insurance policy for yourself and your family directly from an insurance company. You then pay premiums to purchase coverage and the insurer is obliged to pay some or all of your health care costs, based on the terms of your contract. Health insurance varies significantly from plan to plan.

As morbid as it might sound, can your loved ones afford to lose you? Can your family or dependants pay for the funeral, organise the family finances, service any outstanding debt and continue in their current standard of living? Or, would they face extreme hardship in the event of the death of their breadwinner? The main objective of life insurance is to replace income that will be lost should the policyholder become incapacitated or die.