Law Union And Rock Insurance Plc (LAWUNI.ng) listed on the Nigerian Stock Exchange under the Insurance sector has released it’s 2008 annual report.For more information about Law Union And Rock Insurance Plc (LAWUNI.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Law Union And Rock Insurance Plc (LAWUNI.ng) company page on AfricanFinancials.Document: Law Union And Rock Insurance Plc (LAWUNI.ng) 2008 annual report.Company ProfileLaw Union & Rock Insurance Plc is an insurance company in Nigeria licensed to underwrite all classes of insurance business. The company provides non-life insurance policies which includes cover for motor, fire, burglary, general household and home owners comprehensive, group personal accident, all risks, workmen’s compensation, general third party liability, marine, professional indemnity, goods-in-transit, money, fidelity guarantee, engineering, oil and gas, cargo, onshore property, legal liability, construction erection, business interruption, and bonds insurance policies. The company was founded in 1951. Its head office is in Lagos, Nigeria. Law Union & Rock Insurance Plc is listed on the Nigerian Stock Exchange
Belle Mare Holding Ltd (BMHL.mu) listed on the Stock Exchange of Mauritius under the Tourism sector has released it’s 2016 interim results for the half year.For more information about Belle Mare Holding Ltd (BMHL.mu) reports, abridged reports, interim earnings results and earnings presentations, visit the Belle Mare Holding Ltd (BMHL.mu) company page on AfricanFinancials.Document: Belle Mare Holding Ltd (BMHL.mu) 2016 interim results for the half year.Company ProfileBelle Mare Holding Limited is a Mauritian investment company that engages in the commercial and property sectors. The company invests in ventures such as hotels and leisure, banks and insurance firms, as well as agriculture and exports. Belle Mare Holding Limited is headquartered in Port Louis, Mauritius. Belle Mare Holding Limited is listed on the Stock Exchange of Mauritius.
Kenya Airways Limited (KA.ug) listed on the Uganda Securities Exchange under the Transport sector has released it’s 2020 annual report.For more information about Kenya Airways Limited reports, abridged reports, interim earnings results and earnings presentations visit the Kenya Airways Limited company page on AfricanFinancials.Kenya Airways Limited Annual Report DocumentCompany ProfileKenya Airways Limited is the flag carrier airline of Kenya. It was wholly-owned by the government of Kenya until 1995 when the airline was privatised. Kenya Airways is now a public-private partnership with the largest shareholder being the government of Kenya (48.9%) and the balance owned by KQ Lenders Company 2017 Ltd (38.1%), KLM (7.8%) and private owners (5.2%). Kenya Airways offers domestic and international flights, ground handling services and handles import and export of cargo. Subsidiary companies of Kenya Airways include JamboJet Limited which provides local passenger air transport services, and African Cargo Handling Limited which provides cargo handling services. Kenya Airways Limited is listed on the Uganda Securities Exchange
Is buy-to-let a good alternative to a pension? Edward Sheldon, CFA | Friday, 17th January, 2020 Our 6 ‘Best Buys Now’ Shares See all posts by Edward Sheldon, CFA I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. 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Many people in the UK see buy-to-let property as a good alternative to a stock-market-based pension account, simply because they trust property more than they do stocks. I can understand the logic. Not only is property a tangible asset that you can see and touch, but it has delivered strong long-term returns with far less volatility than stocks.Is investing in buy-to-let instead of a pension actually a sensible strategy though? Let’s take a look at some of the risks.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…All your eggs in one basketOne major problem with buy-to-let as a pension is that all your eggs are in one basket. This adds risk. If UK house prices were to tumble (which shouldn’t be ruled out as it’s happened before) or rents were to fall, your retirement plans could be jeopardised.By contrast, with a pension, you can invest your money over many different companies across different sectors and countries. This lowers your overall investment risk substantially.Lack of liquidityAnother major issue with buy-to-let is that it’s not liquid. If you need access to some money when you retire, you can’t just sell off a bedroom or a bathroom. And selling a property can take months or even years.With stocks, however, you can literally sell a proportion of your portfolio within minutes and have the cash within days. This is a key advantage that stocks have over property.Unfavourable tax setupNext, consider tax on buy-to-let. It’s quite unfavorable. For starters, you’re looking at stamp duty surcharges when you buy a buy-a-let property. Then, you’re looking at tax on your rental income (20% for basic rate taxpayers, 40% for higher rate, and 45% for additional rate). Finally, if you sell your buy-to-let property for a profit, you could be looking at a substantial Capital Gains Tax bill. Currently, tax is payable on any capital gains over £12,000 (18% or 28% depending on your tax bracket).By comparison, the tax setup for pensions is attractive. For starters, investments within pensions grow free of Capital Gains Tax and Income Tax. Secondly, you can take 25% of your pension tax-free when you turn 55.Thirdly, when you put money into a pension, the government actually tops up your contributions. This is known as tax relief. Put £800 into a pension, and the government will top it up to £1,000 (higher rate taxpayers get an even better deal). Overall, from a tax perspective, pensions are superior to property, in my view.It’s a hassleFinally, don’t forget the hassle of buy-to-let. If you were to hold on to your buy-to-let property in retirement in an effort to generate an income, you could experience a number of challenges. Do you really want to be dealing with issues such as finding tenants (and dealing with bad ones) and taking care of repairs when you’re 80? It’s not ideal.This is another area where pensions have a clear advantage. Build up a portfolio of dividend-paying companies within your pension, and you’ll get paid a regular income in retirement for doing absolutely nothing.All things considered, investing in buy-to-let as an alternative to a pension appears quite risky, in my view. I think you’re better off sticking with a pension and investing in a diversified portfolio of stocks to grow your wealth. Views expressed in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors.
Brazil “COPY” photographs: Philippe ArrudaPhotographs: Philippe ArrudaSave this picture!© Philippe ArrudaRecommended ProductsFiber Cements / CementsULMA Architectural SolutionsPaper Facade Panel in Leioa School RestorationEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsEnclosures / Double Skin FacadesAlucoilStructural Honeycomb Panels – LarcoreFiber Cements / CementsSwisspearlSwisspearl Largo Fiber Cement PanelsText description provided by the architects. From two overlapping volumes, the social and private areas are defined, just as the integration of the living room, barbecue area and kitchen. This house is focused on the interior, and it has an internal garden integrated to the living room. The building is located at the south of the lot on an east-west orientation to make the most of the sunshine. The services and restroom areas face south.Save this picture!Floor PlanThe ground floor has a social function: living room, kitchen and barbecue area are all integrated. In the first floor, the social area is divided by the circulation. In the front part of the house there is the guest room and office; in the back, there is the master bedroom, which has a balcony with garden. The living room has double ceiling height in the central part and articulates the house vertically.Save this picture!© Philippe ArrudaIn the living room, openings in both sides aloud the cross ventilation. The same occurs in the kitchen. In the bedrooms, big openings aloud a optimal utilization of sunlight, specially in the master bedroom. The volume of the house stands out from the other residences in the street, which are very traditional.Save this picture!Floor PlanThe structure is made of reinforced concrete. The front part, over the garage, has a two-meter-cantilever-structure. The stairs are set into the wall, with no side support. The idea was to use the materials in a rawer situation. Exposed concrete is used in some details and there is a lot of wood and glass in the facades. In the ground floor, the porcelain cement is used, both in interior and exterior.Save this picture!© Philippe ArrudaThe balcony in the master bedroom has a daily use, something uncommon for balcony areas. The biggest challenge was to conciliate the client’s original idea with the architects’s style.Save this picture!SectionProject gallerySee allShow lessJardins House / CR2 ArquiteturaSelected ProjectsAD Interviews: Uma AdusumilliInterviews Share Houses Save this picture!© Philippe Arruda+ 17 Share 2012 CopyHouses•Florianópolis, Brazil Residência das Algas / MarchettiBonetti Year: Residência das Algas / MarchettiBonettiSave this projectSaveResidência das Algas / MarchettiBonetti ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/584603/residencia-das-algas-marchettibonetti Clipboard “COPY” Projects 2012 Year: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/584603/residencia-das-algas-marchettibonetti Clipboard Architects: MarchettiBonetti+ Arquitetos Associados Area Area of this architecture project Area: 262 m² Area: 262 m² Year Completion year of this architecture project Photographs ArchDaily CopyAbout this officeMarchettiBonetti+ Arquitetos AssociadosOfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesFlorianópolisHousesBrazilPublished on January 07, 2015Cite: “Residência das Algas / MarchettiBonetti” 07 Jan 2015. ArchDaily. Accessed 11 Jun 2021.
2018 CopyAbout this officeARC ArchitectsOfficeFollowProductStone#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesG‘azalkentArchDaily & Strelka AwardUzbekistanPublished on July 16, 2019Cite: “Country House KK- 1234 / ARC Architects” 16 Jul 2019. ArchDaily. Accessed 11 Jun 2021.
Tagged with: corporate Ireland refund 103 total views, 1 views today About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. A special oversight group is being formed to drive the joint initiative, chaired by the former head of the Workplace Relations Commission, Kieran Mulvey. Mr Mulvey, who recently authored the Dublin North East Inner-City Regeneration Report, says this campaign will be a simple but compelling appeal to those who can afford it, to play their part in combatting the homelessness crisis.He said: “There will be one million refunds and a total of €173 million being handed back and that could be of enormous assistance to over 8000 people who are currently homeless in this country.”Meanwhile, other commentators have called for developing world charities to benefit from the refund, particularly those affected by poor water supplies. Three charities in Ireland have agreed to join forces and form a national campaign to ask the Irish public to consider donating their refunds from Irish Water to tackle the country’s homelessness crisis.Simon Community, Focus Ireland and Peter McVerry Trust are planning a major national fundraising campaign to coincide with the upcoming Irish Water national repayment scheme which will see €173 million handed back to almost one million account holders over the coming months.SEE ALSO: Winter fuel allowance donation scheme launched to combat fuel poverty (15 November 2011)The three charities intend to launch a national advertising and public information campaign called The Refund Project. This will ask people who can feel they can afford to donate to consider the plight of Ireland’s over 8,000 people who are homeless.The new group say that even a fraction of the total repayments could help make an enormous difference in the delivery of much needed housing. Advertisement Irish charities make pitch for water refund money 104 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 Howard Lake | 6 November 2017 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1
Nick Stephenshttps://www.tcu360.com/author/nick-stephens/ Twitter ReddIt Twitter Facebook High school hoops: FWCD falls, Paschal and Arlington Heights win nail-biters High school hoops: Paschal and FWCD fall, Arlington Heights wins road tilt + posts Previous articleFDA fears new generation of nicotine addicts, blames e-cigarettesNext articleCruz, O’Rourke debate times set in race getting national attention Nick Stephens RELATED ARTICLESMORE FROM AUTHOR Nick Stephenshttps://www.tcu360.com/author/nick-stephens/ Linkedin Facebook TCU places second in the National Student Advertising Competition, the highest in school history Nick is a senior journalism student from Cleveland, Ohio. He covers the TCU soccer team for TCU 360. Nick is an honors student and is minoring in music. Welcome TCU Class of 2025 printA presentation by the committee for diversity, equity and inclusion (DEI) Tuesday drew numerous questions from attendees about concrete steps TCU is taking to promote their initiatives.Chancellor Victor Boschini responded to those questions with a call to action.“The philosophy of our committee is that we won’t be doing these things – you will,” Boschini said when questioned about the hiring of more faculty of color. “If it hasn’t happened, it’s because you didn’t ask for it enough.”Recruitment of faculty of color was only one of the topics covered by the co-chairs of the DEI committee: Aisha Torrey-Sawyer, director of diversity and inclusion initiatives, and Karen Steele, associate vice provost and dean of the school of interdisciplinary studies.The presentation began with a brief rundown of TCU’s demographics, including a graph illustrating the number of students of color and how that number has changed over time.The graph shows the change in the number of students of color at TCU since 1988. Image courtesy of the TCU Magazine.The illustration wasn’t without its share of controversy – some in attendance felt it was a dangerous way to present the data.“The graph perpetuates the idea that whiteness is the norm,” said Hope Bentley, a senior psychology major. “Intentional or not, it supports the system that makes people of color feel like an outlier.”Torrey-Sawyer and Steele then covered the committee’s investigation of issues of diversity, equity and inclusion on campus. This process included focus groups, surveys and more.Their research yielded information about how both faculty of color and students of color felt uncomfortable on campus. Problems that were identified included a lack of diversity on campus, feelings of exclusion, and biased or discriminatory comments in the classroom.The DEI committee produced a flyer with their four principal goals on it for their presentation on Sept. 18, 2018. Photo by Nick Stephens.To address these issues, the DEI committee laid out a strategic plan. Its “four principal goals” include:ATTRACT: The university aims to enhance recruiting and retention of under-represented students, faculty and staff.TEACH: The university aims to bolster curriculum, training and other academic initiatives that promote an understanding of DEI.REACH: The university aims to increase outreach and engagement with external communities and schools with large proportions of under-represented groups.EMBRACE: The university aims to promote a campus environment that is welcoming for all and free of bias.Steele identified TCU’s recent accomplishments in areas of diversity, equity and inclusion. Foremost among these was the INSIGHT into Diversity Higher Education Excellence in Diversity (HEED) award. According to Steele, about 400 universities applied for this award and 96 received it.Karen Steele (left) and Aisha Torrey-Sawyer (right) present the work of their DEI committee on Sept. 18, 2018. Photo by Nick Stephens.After the presentation, Torrey-Sawyer and Steele fielded questions from the audience. One topic that arose was the level of support the DEI committee received from the TCU Board of Trustees.“It’s often thought that they have different values than the ones we have here, but in fact, we are working in alignment,” Steele said.Another question was about cluster hiring – the process of hiring multiple scholars into one or more departments based on shared, interdisciplinary research interests, according to an article by Inside Higher Ed. When this idea was mentioned, Steele brought up an alternative.“We, as a university, have about a third of our staff and faculty who will be retiring shortly,” Steele said. “In that, we have something built in that’s a real opportunity for all of us.”Steele later defined “shortly” as within the next five years. Boschini also rebuked the notion of cluster hiring, insisting that any changes in hiring methods needed to come from each of the academic departments.Attendees at the DEI presentation on Sept. 18, 2018. Photo by Nick Stephens.While the progress presented by the DEI committee fostered positivity among attendees, there was an acknowledgment of the work yet to be done.“I thought it was great how they presented their plans and their accomplishments,” Bentley said. “That said, I would like to see more of an emphasis on improving the student experience.”Boschini believes more conversations are essential to solving TCU’s DEI dilemma.“The only way to keep making TCU more diverse and equitable is to keep talking about these issues,” Boschini said. “I know that’s uncomfortable, but I think that through discomfort comes growth.” Nick Stephens Attendees at the DEI presentation on September 18, 2018. Photo by Nick Stephens. ReddIt Linkedin High school hoops: Paschal and Arlington Heights win, struggles continue for Country Day Nick Stephenshttps://www.tcu360.com/author/nick-stephens/ World Oceans Day shines spotlight on marine plastic pollution Nick Stephenshttps://www.tcu360.com/author/nick-stephens/ High school hoops: Arlington Heights and Country Day lose, Paschal survives
EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS 18 recommended0 commentsShareShareTweetSharePin it Sierra Madre Library hours are changing starting Monday, October 6 in response to patronsâ€™ requests for more morning hours. Previously, the Library had opened at 12 noon and closed at 9:00 p.m. on Monday, Tuesday and Wednesday. The Library will be shifting its hours to the following schedule beginning Monday, October 6:Monday-Wednesday 11:00 am â€“ 8:00 pmThursday-Friday 12:00 pm â€“ 6:00 pmSaturday 10:00 am â€“ 6:00 pmSunday ClosedRead, Discover, Connect @ Sierra Madre Public Library, 440 W. Sierra Madre Blvd., Sierra Madre, (626) 355-7186, www.cityofsierramadre.com/departments/library Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Community News Top of the News Make a comment Community News Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Name (required) Mail (required) (not be published) Website More Cool Stuff Community News More Morning Hours at the Sierra Madre Public Library From STAFF REPORTS Published on Tuesday, September 16, 2014 | 2:09 pm Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Subscribe First Heatwave Expected Next Week Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Business News faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes HerbeautyThe Most Heartwarming Moments Between Father And DaughterHerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeautyHerbeautyNutritional Strategies To Ease AnxietyHerbeautyHerbeautyHerbeauty6 Fashion Trends You Should Never Try And 6 You’ll LoveHerbeautyHerbeautyHerbeautyInstall These Measures To Keep Your Household Safe From Covid19HerbeautyHerbeautyHerbeauty6 Strong Female TV Characters Who Deserve To Have A SpinoffHerbeautyHerbeauty Your email address will not be published. Required fields are marked *
Advertisement Email Facebook NewsLocal News#Video Riverfest FireworksBy admin – May 6, 2014 814 Shannondoc operating but only by appointment WhatsApp RELATED ARTICLESMORE FROM AUTHOR Linkedin Previous articleVoting app developed by UL researcher launchedNext articleAbnormal load convoy to Foynes cancelled admin Walk in Covid testing available in Limerick from Saturday 10th April Thanks to Tony Grehan for sending this in.Sign up for the weekly Limerick Post newsletter Sign Up TAGSfeatured No vaccines in Limerick yet Print Proceedures and appointments cancelled again at UHL First Irish death from Coronavirus Surgeries and clinic cancellations extended Twitter