Belvoir beefs up its mortgage adviser business with £3.6 million purchase

first_imgHome » News » Agencies & People » Belvoir beefs up its mortgage adviser business with £3.6 million purchase previous nextAgencies & PeopleBelvoir beefs up its mortgage adviser business with £3.6 million purchaseFranchised estate agency giant has bought another piece of the Mortgage Advice Bureau network, it has informed shareholders.Nigel Lewis27th November 201802,053 Views Belvoir has bought the fast-growing licenced partner arm of financial adviser giant Mortgage Advice Bureau for £3.6 million, part of its efforts to enable franchisees to expand their income from selling mortgages.The business being purchased is MAB Glos, which is the largest appointed representative of parent group Mortgage Advice Bureau Plc with 63 partners.MAB Glos has being growing fast over the past couple of years increasing revenue, profits and its pool of partners dramatically, including a 26% increase in turnover so far this year.Like Belvoir franchisees, its partners are self-employed advisers or small businesses that are licenced to MAB Glos which in return provides training, support, compliance, website and national marketing via the wider Mortgage Advice Bureau brand.Mortgage adviceBelvoir has bought the company via its financial services arm Brook Financial, which also trades under the Mortgage Advice Bureau marketing umbrella. Belvoir bought Brook in July last year and has appointed its MD Michelle Brook and Belvoir board director Mark Newton to manage the new combined operation.Added to Brook’s operation, MAB Glos gives Belvoir over 127 mortgage advisers to monetise mortgage and other financial product leads provided to them by Belvoir franchisees.Belvoir says the acquisition is also part of a strategy to establish a national network of mortgage advisers able to offer both face-to-face and online/telephone financial advice both in-branch and independently.“This [deal] will give our existing property franchisees the ability to ‘build a business within a business’ by either utilising an existing MAB Glos mortgage adviser or taking on their own new adviser on-site,” says Belvoir CEO Dorian Gonsalves (pictured, left). Mortgage Advice Bureau Belvoir brook financial brook financial services November 27, 2018Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021last_img read more

Over 5,800 Migrants Rescued during the Weekend

first_img View post tag: Naval View post tag: Migrants View post tag: Rescued Over 5,800 Migrants Rescued during the Weekend View post tag: europe View post tag: 5.800 View post tag: Weekend The Italian Navy and Coast Guard, assisted by French vessels, tugs and commercial ships, rescued over 5,800 migrants over the weekend.Italian and French vessels conducted 17 separate rescue operation off Libyan coast as smugglers took advantage of calm seas to send boats packed with migrants across the Mediterranean Sea. The migrants were travelling aboard wooden and rubber boats, according to BBC. During the operations the authorities recovered 10 bodies.Officials expect the total number of rescued migrant to rise.In April, the European Council made a decision to triple the funding for operation Triton to prevent further loss of lives at sea.[mappress mapid=”15848″]Naval Today Staff, Image: French Navy View post tag: Italy Share this article Back to overview,Home naval-today Over 5,800 Migrants Rescued during the Weekend May 4, 2015 Authorities View post tag: Navy View post tag: Francelast_img read more

Nigerian Navy’s ENC Takes Delivery of New Vessel

first_imgBack to overview,Home naval-today Nigerian Navy’s ENC Takes Delivery of New Vessel View post tag: DELIVERY View post tag: Nigerian Navy Authorities Nigerian Navy’s Eastern Naval Command, ENC, has recently expanded its fleet with a new P18N offshore patrol vessel (OPV).The Navy took delivery of the new vessel, named NNS Centenary (F91), on Friday in Calabar, according to DailyPost Nigeria.With this vessel the Nigerian Navy will further reinforce its presence in the country’s eastern maritime area, keeping the waters safe from oil thieves and pirates.NNS Centenary has the capability to carry helicopters and can stay at sea for two weeks. The vessel was commissioned in February 2015, along with three other warships. The newly built NNS CENTENARY is one of the 2 offshore patrol vessels acquired from China, the second being expected later in the year.[mappress mapid=”16858″]Naval Today Staff, Image: Nigerian Navy View post tag: NNS Centenary September 7, 2015 View post tag: africa View post tag: ENC Nigerian Navy’s ENC Takes Delivery of New Vessel Share this articlelast_img read more

Carl Vinson CSG completes undersea warfare exercise

first_img January 30, 2017 US Navy carrier strike group completes undersea warfare exercise View post tag: US Navy U.S. Navy’s Carl Vinson carrier strike group recently tested its units with an undersea warfare exercise (USWEX) that was completed off the coast of Hawaii, January 14.The 96-hour USWEX involved aircraft carrier USS Carl Vinson (CVN 70), Ticonderoga-class guided-missile cruiser USS Lake Champlain (CG 57), and Arleigh-Burke class-guided missile destroyers USS Wayne E. Meyer (DDG 108) and USS Michael Murphy (DDG 112).“USWEX provided Carl Vinson and the rest of our strike group the opportunity to participate in a robust, relevant training against an extremely capable adversary,” said Cmdr. John Schiaffino, Carl Vinson operations officer. “Due to the mission demands placed on our submarine fleet, we don’t often have the chance to train against multiple live subs simultaneously, but USWEX offered a capstone training event where we could practice our tactics, techniques and procedures.”USWEX is an advanced anti-submarine warfare exercise conducted by CSGs and expeditionary strike groups (ESG) while in transit from the west coast of the United States to the western Pacific Ocean.“The undersea warfare exercise is an important training event to ensure our team can seamlessly integrate with all the assets of the carrier strike group,” said Cmdr. Robert A. Heely Jr., Michael Murphy commanding officer. “Understanding the undersea environment and managing resources within this mission area are challenging. This combat team performed very well and stands ready to operate within the Indo-Asia-Pacific region.”The overall purpose of USWEX was for the Carl Vinson strike group to hone and enhance the interoperability of the strike group to protect the carrier from sub-surface warfare threats while engaged in numerous warfare tasks. A few different warfare tasks the CSG is responsible for include air warfare, anti-surface warfare, anti-submarine warfare and ballistic missile defense.The Carl Vinson Strike Group is on a regularly scheduled Western Pacific deployment as part of the U.S. Pacific Fleet-led initiative to extend the command and control functions of U.S. 3rd Fleet. Back to overview,Home naval-today US Navy carrier strike group completes undersea warfare exercise Authoritiescenter_img View post tag: CSG View post tag: USS Carl Vinson View post tag: USWEX Share this articlelast_img read more

Finsbury UK bakery grows while overseas sales fall

first_imgUK bakery sales at Finsbury Food Group, manufacturer of cake, bread and morning goods for retail and foodservice channels, grew 5.8% for the six months ended 28 December 2019.This core division helped drive the group’s total sales of £159.4m for the period, representing a 4.7% increase versus the corresponding period in 2018.The results were announced in a trading update today (16 January), which also reported a reduction in sales from Finsbury’s overseas division. Sales were down 3.5% versus the same period in 2018.“Notwithstanding the group’s continued momentum, management are cognisant of the difficult trading environment and wider macro-economic uncertainty, and remain focused on innovation, efficiency and investment,” Finsbury stated.It comes after a solid year for the business, which reported a 203% rise in profit before tax for the year ending 29 June 2019, with group revenue up 3.8% year on year.One of Finsbury’s focuses for 2019 was NPD, which saw it expand key licences and introduce others. Mary Berry’s cake range was among those to be expanded, while characters from Frozen, Paw Patrol, Star Wars, and Hey Duggee were added to its celebration cake range and a series of cupcakes and gift cakes were rolled out with Harry Potter branding.It also expanded its grown-up cake range with a number of alcohol brand licences, including Guinness and Baileys.last_img read more

Dr. Dre Just Lost A Trademark Battle To A Gynecologist Named Dr. Drai

first_imgBringing this wonderful tale to an end, The US Trademark Court recently dismissed Dr. Dre’s case against the Dr. Drai trademark. Given that Dr. Dre is a rap superstar and Dr. Drai is a gynecologist, the two are on fairly divergent career paths, and the Trademark Court noted that the chances of fans becoming confused between the two are slim to none.[H/T Billboard] It turns out that for three years, Dr. Dre has been in a heated trademark dispute with a gynecologist and actual doctor named Draion M. Burch, who more commonly goes by Dr. Drai. Dr. Drai has become a media personality over the years in his own right, having published books like 20 Things You May Not Know About The Vagina and increasingly hosting seminars and events around the country.Burch attempted to trademark his nickname, Dr. Drai, back in 2015. However, Dr. Dre tried to block the trademark, citing that the similarity between the names was confusing and could suggest a connection between the hip-hop mogul and the gynecologist. In response, Burch fought Dre’s assertion, more or less responding that it wasn’t confusing because he is a real doctor and Dr. Dre is not.As the motion stated, “It is not likely that consumers will recognize Applicant’s Dr. Drai’s marks as referring to Dr. Dre because Dr. Dre is not a medical doctor nor is he qualified to provide any type of medical services or sell products specifically in the medical or healthcare industry.”Dr. Drai also explained that he doesn’t even want to be associated with Dr. Dre, noting that the rapper’s lyrics are misogynistic and homophobic and that those views are “a bad reflection on me as a doctor.” Hilariously, Dr. Drai also noted that he should be able to use the moniker, Dr. Drai, because “That’s my name.”last_img read more

Theologian explores spirituality, sacramentals in Toni Morrison’s ‘Song of Solomon’

first_imgMembers of the Saint Mary’s community gathered in Carroll Auditorium to hear M. Shawn Copeland, noted theologian and Boston College professor emerita, speak on spirituality in Toni Morrison’s “Song of Solomon.” This talk was the first of the Center for Spirituality’s spring lecture series.Early in her lecture, Copeland explained that she wanted those who study literature to know theologians such as herself do not intend to make works of fiction suit their discipline’s needs. Gina Twardosz Dr. M. Shawn Copeland, Boston College professor emerita and a noted theologian, spoke on the spiritual significance of Toni Morrison’s novel “The Song of Solomon,” Thursday.“Quite frankly, I want to ward off any suspicions that may lurk among professors in English and American literatures — professors and students who may be concerned about theologians instrumentalizing or distorting fiction,” Copeland said.Her overview of the novel distinguished it as more driven by culture than action.“‘Song of Solomon’ really is a psychological novel,” Copeland said. “It’s much more concerned with an examination of the inner lives of its characters and their responses to historical and familial circumstances than it is with action.”Because of its focus on these themes, “Song of Solomon” encourages readers to better understand humanity, she said.“Literature teaches and tutors us, coaxes and coaches us — all of us — even theologians in the mysteries of the human mind and human heart … well-written, demanding novels challenge,” she said. “They resist reduction both to naïve literalism and overblown symbolizing. Theology and literature draw our attention to what is vital and important, turn us toward what is transcendent, toward what transcends us toward the potentialities of our own self-transcendence.”Copeland explained the novel’s major characters and their history. With the aid of a family tree, she explained the connections of the Dead family, around whom “Song of Solomon” is centered. She then gave an overview of the plot before launching into the novel’s connections to spirituality.“Some of you may find the notion of spirituality and relation to ‘Song of Solomon’ surprising, and others may think linking the novel to Catholicism or Catholic spirituality to be dubious or odd, or perhaps flat-out wrong,” she said. “I understand spirituality as a way of life, a way of living, a way of being in and moving with and through the world.”Catholicism is a religion, Copeland said, but also a spirituality.“This way of life and living extends the word made flesh through community and communion, in and through and beyond time,” she said.She noted several examples of characters in “Song of Solomon” who take on their own spiritual journeys. Among them is Milkman, one of the novel’s main characters. Events in his life “fundamentally and profoundly” changed him, she said.“What began as a material quest evolved into a spiritual journey. Milkman has found a treasure far more precious than gold,” Copeland said. “He has found his family’s history … a powerful and empowering spiritual gift.”Another character through whom Morrison explores spirituality is Pilate, Copeland said.“The way in which Pilate Dead lives her life — the way she is, the way in which she moves in and with and through the world — this was as a developed and developing relationality to sell others, the world and the transcendent … because human living always is fragile practice in fleshing vulnerabilities and virtues, judgements and decisions, surrender and discipline, atonement and conversion,” she said.The character of Pilate also introduces readers to sacramentals, another of the lecture’s themes.“In particular, [Pilate] introduces us to reliquaries, containers for precious or sacred objects,” Copeland said. “Sacramentals remind us of and orient us toward transcendence. … Such signs include physical objects, some candles, rosaries, medals, relics, statues and music.”These signs were among the things that helped Pilate sanctify her time, Copeland said.“‘Song of Solomon’ is indirectly didactic,” she said. “The characters of the novel illustrate what it means to value family, venerate ancestors, cherish children and old people, honor friendship … and respect all those encountered along the way.”Following the lecture, questions from the audience revolved around the themes of Catholicism and African American culture.“This is a heavily cultural novel, and if you’ve only thought of black culture as pathological, then you’ve really missed out on something important,” Copeland said. “There are a lot of subtleties here that black people don’t all master. Mastering your culture, really appropriating it fully, is really a lifetime project. Few people are really able to do this. This is why novelists are so important.”Tags: Center for Spirituality, song of Solomon, toni Morrisonlast_img read more

Invasive weeds

first_imgUniversity of GeorgiaInvasive weeds threaten the health of Georgia’s natural areas and forests. Land managers, homeowners, gardeners, nurserymen, landscape professionals or anyone who wants to learn more about this growing problem should attend the Georgia Exotic Pest Plant Council annual conference Feb. 22 at the University of Georgia Tifton, Ga., Campus Conference Center.Conference fee before Feb. 1 is $40 for GEPPC members and $50 for nonmembers. After Feb. 1, it’s $50 for members and $60 for nonmembers.To register or to find out more, call (229) 386-3416. Or go to the Web site www.ugatiftonconference.org.last_img

Pecans ‘on’

first_img“We’re expecting a good crop, but not what we could have had if you consider the scab problems, especially on our more susceptible varieties,” said Bill McWilliams, a pecan farmer in Crisp County. “Any time you have a wet summer like we’ve had, you will end up with pecan scab.”Roughly half of Georgia’s 120,000 acres of commercial orchards are planted in scab-susceptible varieties, like Desirable, Schley and Pawnee, Wells said. Some farmers sprayed as much as 15 times, or once every 10 days, to keep the disease at bay. They still had trouble staying ahead of it. One spray can cost $10 to $14 per acre.Farmers are getting good prices, around $2 per pound, now for early-maturing varieties, Wells said. Consumer demand for pecans has grown, due in large part to the industry’s strong marketing campaign in recent years.A boost in the pecan market has also come from China’s new-found taste for the nut. U.S. pecan exports have skyrocketed to the Asian country in the past four years and are expected to climb higher. According to the U.S. Department of Agriculture, China imported 2.2 million pounds of U.S. pecans in 2002. Last year, they imported almost 44 million pounds.“With these numbers expected to increase, the Chinese market for pecans takes enormous pressure off the domestic demand for pecans, allowing prices to stabilize somewhat, which is good for the grower, shellers and consumer,” Wells said.The U.S. is expected to produce between 300 million pounds and 328 million pounds of pecans this year. Harvest will run through Christmas. A pecan-loving disease enjoyed Georgia’s wet summer weather and is now blamed for cutting what was expected to be a large crop, says a University of Georgia pecan specialist. But farmers still expect to have an “on” year.“We had a good crop set early in the year, but we’re seeing some loses to disease now,” said Lenny Wells, a UGA Cooperative Extension pecan horticulturist.Pecan trees are alternate-bearing, meaning they produce a full crop every other year. Most trees in the state are on the same cycle, and this is an “on” year for Georgia pecans. Farmers expect to harvest 90 million pounds, 20 million pounds less than predicted earlier in the season. The state record is 150 million pounds, set in both 1993 and 2007.Georgia leads the nation in pecan production. Farmers in southwest Georgia, the hub of production, began harvesting early-maturing varieties last week. They are running into the aftermath of a disease called scab, the pecan’s No. 1 enemy. The fungal disease scars husks, cuts yields and hurts quality. It thrives in wet summer weather like Georgia experienced this year.last_img read more

Fall Transplanting

first_imgFall and early winter are the best time to relocate large trees and shrubs. Moving established plants from one location to another can change your landscape without costing you money.Nurseries use tree spades to dig large trees from a field-grown nursery. Unfortunately, this is not the kind of equipment a home landscaper can rent for a weekend project.The roots of trees and shrubs normally grow beyond the amount of soil a home gardener can move. To keep most of the roots within a small area, plants should be root-pruned in the spring or fall before transplanting. Root pruning is the process of severing the roots of an established plant that is going to be transplanted to encourage growth of new feeder roots along the root ball.Plants moved in the fall (October or November) should be root-pruned in March. Those moved in spring (March) should be root-pruned in October. Root-prune after the leaves have fallen from deciduous plants in the fall or before buds break in the spring.To root-prune, mark a circle the size of the desired ball around the tree or shrub. Next, dig a trench just outside the circle. Cleanly cut larger roots and backfill the trench with the available soil. Water the area to settle disturbed soil and provide adequate moisture. Roots within the pruned area grow many new fibrous roots, and form a strong root system within a confined area. If not root-pruned, larger plants may die from transplant shock because of root loss.Shrubs less than 3 feet tall and deciduous trees less than an inch in trunk diameter (measured 6 inches above the ground) may be moved bare root. “Bare root” means most or all of the soil is removed from the roots.Bare-root plants are easier to handle than those with a ball of soil around the roots. Bare-root plants should be planted while dormant. It is best to immediately replant. If not, keep the roots moist in peat moss or wrapped in plastic or wet papers until you are ready to plant.To move trees with soil attached to the roots, trim the root ball to the proper size and shape with a spade. Keep the back side of the spade toward the plant, round off the trimmed ball at the top and taper it inward toward the base.Avoid loosening the soil around the roots by cutting the large roots with hand or lopping shears and the small roots with a sharp spade. Next, undercut at an angle of about 45 degrees to loosen the root ball from the soil and sever remaining roots.Prepare the new site before transplanting a tree or shrub. Have the soil tested and follow recommendations. Don’t use fertilizer that contains nitrogen for the first year after transplanting.Dig the new hole 50 percent wider than the soil ball to loosen the surrounding soil and ensure good root establishment. The root system should be at the same depth it was before it was moved.Research has shown that adding soil amendments to the planting hole will not provide any benefits to newly planted trees or shrubs. Most studies show amendments can create drainage issues and cause poor root establishment.When moving the plant to its new home, lift trees and shrubs by the root ball. Never carry a tree by the stem. This can damage underlying bark tissues. Place the plant in the hole and backfill with existing native soil.Maintain constant moisture, not saturation, of the root ball. Add 2 to 3 inches of mulch to help conserve moisture, moderate temperature extremes and reduce weeds. Keep mulch away from the trunk of the plant.For more research-based advice on landscaping projects, read University of Georgia Cooperative Extension publications at extension.uga.edu/publications.last_img read more