THE market isn’t expecting any nasty surprises from Lloyds when it reports third quarter numbers tomorrow. Its net interest margin, which was at 2.08 per cent in the first half, should improve modestly, as Lloyds reprices the front and back of its mortgage and loan books. However, the momentum is beginning to falter: there’s only so much squeezing that can be done. Any big surprise would come in loan impairments, which are expected to decline further, albeit at a slower rate. However, if write-offs continue to fall at a healthy rate, even as the housing market cools, then investors could reward the bank with a modest lift in its share price. Lloyds is also doing well in weaning itself off of cheap government funding, although newer sources are proving more expensive than the special liquidity scheme.All of these factors are priced in, with the sell-side becoming increasingly bullish in recent months. Best to sit tight and hold. More From Our Partners Brave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgMark Eaton, former NBA All-Star, dead at 64nypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.com whatsapp by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStorySerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity Timesmoneycougar.comThis Proves The Osmonds Weren’t So Innocentmoneycougar.comTaonga: The Island FarmThe Most Relaxing Farm Game of 2021. No InstallTaonga: The Island FarmAlphaCute30 Rules That All “Hells Angels” Have To FollowAlphaCutethedelite.comNetflix Cancellations And Renewals: The Full List For 2021thedelite.comReporter CenterBrenda Lee: What Is She Doing Now At 76 Years of Age?Reporter CenterGloriousaCouple Wins Lottery, 5 Years Later, Their House Had To Be DemolishedGloriousa Lloyds Tags: NULL Show Comments ▼ KCS-content Sunday 31 October 2010 11:26 pm whatsapp Share
whatsapp John Dunne Tuesday 9 November 2010 3:36 am by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastSerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity Timesmoneycougar.comThis Proves The Osmonds Weren’t So Innocentmoneycougar.comTaonga: The Island FarmThe Most Relaxing Farm Game of 2021. No InstallTaonga: The Island FarmAlphaCute30 Rules That All “Hells Angels” Have To FollowAlphaCuteMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStorythedelite.comNetflix Cancellations And Renewals: The Full List For 2021thedelite.comReporter CenterBrenda Lee: What Is She Doing Now At 76 Years of Age?Reporter CenterMartha Stewart CBDShop Martha Stewart’s CBD Products NowMartha Stewart CBD More From Our Partners Porsha Williams engaged to ex-husband of ‘RHOA’ co-star Falynn Guobadiathegrio.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comColin Kaepernick to publish book on abolishing the policethegrio.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgFort Bragg soldier accused of killing another servicewoman over exthegrio.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgFans call out hypocrisy as Tebow returns to NFL while Kaepernick is still outthegrio.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgMark Eaton, former NBA All-Star, dead at 64nypost.comMan on bail for murder arrested after pet tiger escapes Houston homethegrio.comA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comLA news reporter doesn’t seem to recognize actor Mark Currythegrio.comKiller drone ‘hunted down a human target’ without being told tonypost.comKansas coach fired for using N-word toward Black playerthegrio.comBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.com Show Comments ▼ Vodafone, the world’s largest mobile operator by revenue, raised its full-year outlook and said it would receive a £3.1bn payment from Japan’s SoftBank in a boost to the firm after some investor complaints.The company also said it would push the sales of data plans and the disposal of non-core assets as it refreshed its strategy after some investors complained that the firm’s ownership of a host of non-strategic minority assets damaged the overall value.The payments from the mobile phone carrier SoftBank, had not been mentioned by many analysts in the build up to the highly awaited announcement and are likely to be taken well.SoftBank purchased Vodafone Japan in 2006. Vodafone said it would sell to SoftBank its interests which were originally received as part of the sale.A first tranche of £1.6bn will be received in December 2010 and used to pay down debt.Shares in Vodafone have risen more than 16 percent since the company announced its intention to update its strategy, with much of those gains coming since it sold its 3.2 per cent stake in China Mobile for $6.6bn in September.Vodafone said it would look to generate free cash flow or liquidity from other non-controlled assets, building on the sale of the China Mobile stake and SoftBank.The pending strategy update had overshadowed the build up to results, which were solid, with first half total revenues up 1.8 percent organically to £22.6bnCore earnings were down 2.8 percent on an organic basis to £7.4bn, compared with a forecast of 7.3 billion pounds. Organic service revenue, which is made up of revenue related to ongoing services, was up 1.7 percent and ahead of a Reuters poll predicting 1.4 per cent.Vodafone raised its forecast for full-year adjusted operating profit to £12.2bn. It had said in May it would target a range of £11.2 to £12bn. Tags: NULL Share whatsapp Vodafone raises forecast after £3bn boost
The Co-operative Bank of Kenya Limited (COOP.ke) listed on the Nairobi Securities Exchange under the Banking sector has released it’s 2008 interim results for the third quarter.For more information about The Co-operative Bank of Kenya Limited (COOP.ke) reports, abridged reports, interim earnings results and earnings presentations, visit the The Co-operative Bank of Kenya Limited (COOP.ke) company page on AfricanFinancials.Document: The Co-operative Bank of Kenya Limited (COOP.ke) 2008 interim results for the third quarter.Company ProfileThe Co-Operative Bank of Kenya Limited is a financial services institution offering banking products and services for the retail banking and wholesale banking sectors in Kenya. Its full-service offering ranges from transactional banking products to access accounts, LPO financing, invoice discounting services, term loans, asset finance and letters of credit. The company also provides medical, motor, general, life, agriculture and micro-business insurance as well as treasury products, fixed income and money market products and money transfer services. The Co-Operative Bank of Kenya was founded in 1965 and its head office is in Nairobi, Kenya. The company is a subsidiary of Co-op Holdings Co-operative Society Limited. The Co-Operative Bank of Kenya Limited is listed on the Nairobi Securities Exchange
Guinness Nigeria plc (GUINNE.ng) listed on the Nigerian Stock Exchange under the Beverages sector has released it’s 2013 interim results for the first quarter.For more information about Guinness Nigeria plc (GUINNE.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Guinness Nigeria plc (GUINNE.ng) company page on AfricanFinancials.Document: Guinness Nigeria plc (GUINNE.ng) 2013 interim results for the first quarter.Company ProfileGuinness Nigeria brews beer in Nigeria and packages and markets a range of international spirits, beers and ready-to-drink beverages. Well-known brands in its product range include Guinness Foreign Extra Stout, Guinness Extra Smooth, Malta Guinness and Harp Lager Beer. Brands in its Spirits range include Smirnoff and Gordon’s; brands in it beer range include Guinness, Harp, Dubic and Satzenbrau; and brands in its ready-to-drink range include Orijin and Malta Guinness. Guinness Stout was first exported to Sierra Leone in 1827 and became very popular across West Africa. Ikeja in Lagos, Nigeria was chosen in 1963 as the first location outside the British Isles to brew the iconic dark beer. Riding on the back of steady growth in markets for Guinness Stout and Harp Lager, Guinness Nigeria Plc now has 5 brewing plants in the country. Its head office is in Lagos, Nigeria. Guinness Nigeria Plc is listed on the Nigerian Stock Exchange
Save this picture!© Tricia Shay+ 12 Share Midvale Courtyard House / Bruns Architecture Midvale Courtyard House / Bruns ArchitectureSave this projectSaveMidvale Courtyard House / Bruns Architecture ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/437796/midvale-courtyard-house-bruns-architecture Clipboard Projects “COPY” 2013 Year: Houses Photographs Save this picture!© Tricia ShayText description provided by the architects. Balancing the introverted nature of a courtyard with the bold personality of an extrovert all while managing matters of privacy, this renovation builds on its solid mid-century roots. Located on a busy boulevard in the state’s capital, the 1,685 sf half-century old ranch home was confined and uninviting, leaving its spaces dark and disconnected from the site. The renovation and 840 sf addition of Midvale Courtyard House adds a proper entry, elevated master suite, and covered parking, but also pierces and stretches the solid forms to create connection between indoor and outdoor spaces. Save this picture!© Tricia ShayRecommended ProductsDoorsLibartVertical Retracting Doors – Panora ViewEnclosures / Double Skin FacadesAlucoilStructural Honeycomb Panels – LarcoreDoorsSolarluxBi-Folding Doors – EcolineDoorsVEKADoors – VEKAMOTION 82Set back on its lot, the house is buffered from the busy street traffic. But the adjacent neighbors are closely spaced, challenging the notion of opening the interior to light and views. By creating a series of private outdoor rooms, the interior spaces visually extend beyond their original boundaries. As a result, the plan becomes a collection of independent wings each with a heightened focus on their unique programmatic requirements. Taller ceiling heights are created in the public living wing by affixing the new second floor above the original ceiling height, allowing light to penetrate deeper into the main level.Save this picture!© Tricia ShayOne’s experience is choreographed through a sequence of private courtyards and interior zones. A series of site walls with varying levels of opacity organize pathways, linking the exterior rooms and providing access throughout the plan. Composed with its own courtyard, the new entry and vertical circulation component reorients the house’s façade while integrating the new motor court with the main structure. The geometry of the new entry is extruded into the main form to organize the kitchen on the first floor and master bath on the second floor. On the main level, the wood floor transforms into the ceiling surface. And in the master bath an exotic wood ribbon folds up and over itself, defining a spa-like wet zone. Sitting above the neighboring houses, the new master suite includes a private courtyard terrace. A partial height privacy wall creates intimacy while masking the adjacent rooftops, leaving only views to the mature tree canopies beyond.Save this picture!© Tricia ShayThe building’s envelope is upgraded with new insulation and roof assemblies. Energy efficient mechanical systems replace outdated infrastructure. The new insulated, low-e glazed fenestration naturally illuminates interior spaces, and all supplemental lighting is upgraded with energy efficient fixtures and lamps.Save this picture!DiagramProject gallerySee allShow lessHow Much Do Architects Earn Around the World?Architecture NewsTalking With ThomArticles Share United States 2013 Architects: Bruns Architecture Year Completion year of this architecture project ArchDaily ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/437796/midvale-courtyard-house-bruns-architecture Clipboard CopyAbout this officeBruns ArchitectureOfficeFollowProductsWoodBrick#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentRenovationMadisonHousesRefurbishmentRenovationUnited StatesPublished on October 16, 2013Cite: “Midvale Courtyard House / Bruns Architecture” 16 Oct 2013. ArchDaily. Accessed 11 Jun 2021.
Previous articleTwo arrested after wanted suspect found hidingNext articleHIGH SCHOOL BASEBALL: Midland Lee holds off Odessa High, 4-1 admin Man charged with fourth DWI By admin – March 23, 2018 Facebook Pinterest WhatsApp Facebook Eduardo Santos Odessa police charged a man with his fourth DWI after a traffic stop early Tuesday.Eduardo Santos, 39, was stopped and arrested on JBS Parkway after midnight as Monday night went into Tuesday morning, an Odessa police release stated.Santos was pulled over traveling at 64 mph in a 45 mph zone, the report stated, in a white 2016 Chevrolet Silverado. He was arrested after failing field sobriety tests. Investigation then revealed Santos had three prior convictions on DWI charges. Twitter Pinterest WhatsApp Twitter Local NewsCrime
Top Stories’Only 25% Law Students Have Internet Access’ : Plea In Delhi HC Challenges BCI Guidelines On Conduct Of Online Classes & Exams [Read Petition] Radhika Roy6 July 2020 4:41 AMShare This – xA Petition has been filed before the Delhi High Court challenging the constitutionality of the directions given by the Bar Council of India to all Law Universities in the country to conduct the final year law examinations through online mode or through any other appropriate method, and to conduct intermediate year law examinations after reopening of colleges. The 27th May Guidelines issued by…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginA Petition has been filed before the Delhi High Court challenging the constitutionality of the directions given by the Bar Council of India to all Law Universities in the country to conduct the final year law examinations through online mode or through any other appropriate method, and to conduct intermediate year law examinations after reopening of colleges. The 27th May Guidelines issued by the BCI, along with their Press Release dated 9th June, stated that the final year law students would be allowed to appear in online examinations, and the Universities would have the liberty to adopt an alternative strategy for conducting examinations for those students who are unable to avail the online examinations. For intermediate students, the Guidelines prescribed promotion on the basis of performance of previous years and marks obtained in internal examination of the current year. The Universities were directed to the conduct the end semester examination within a month of reopening of colleges.The plea, filed by Advocates Gunjan Singh and Pragya Ganjoo on behalf of law students Purbayan Chakraborty and Vishal Tripathi, further challenges the 27th June notification of University of Delhi which states that the new date sheets for all UG and PG programmes in Open Book Examination mode would be notified by the examination branch on 3th July, and the examination would commence from 10th July. The issue underlined in the plea is that “25% law students, at the maximum, have smart phones, computers and internet connection” and in this context, the plea highlights the suicide of a 16-year-old student in Assam who was troubled due to being unable to participate in online classes and examinations as he did not have a smart phone.”The basic submission is that any direction to hold examinations would be discriminatory and exclude the poorer 75% of the student population. The online trainings that are said to have happened, even assuming that they did take place, would not be freely accessible to the poor who have neither the device, nor the internet facilities to access these trainings”. Therefore, as averred in the plea, “the online/internet mode education which was adopted as an alternative soon after the shutdown of the educational institutions was essentially limited to the rich and comfortable class of the society”. The plea submits that the alternative is to have no examinations and to take the average of the students’ grades/marks over the previous semesters and confer grades/marks on the basis of this average. In this regard, the plea alludes to the CBSE notification wherein similar steps were taken. “In the present case, it is suggested that the average performance of the students in the earlier years be taken to allow the students to graduate. This would obviate the need for having a system of examinations which would discriminatory on a large scale.”The online lectures delivered by the Universities have also been criticized in the petition. “…the so-called lectures that were online were delivered haphazardly and partially, in that many of the lectures on account of COVID-19 were not delivered at all. The BCI may be called upon to produce the information as to what percentage of the lectures supposed to be done online were actually done.”The petition also highlights the situation in Delhi University wherein the students have not been provided physical copies of case material. Additionally, as the lockdown had been announced during the University mid-semester break, many outstation students were stuck in their hometowns, with no access to their study material.Moreover, the petition submits that many students did not have access to online classes due to lack of accessibility to laptops, internet, phones compatible with video-conferencing applications, a quiet space, printers or finances to avail hard copies of study material. In light of the above, the plea prays for the quashing of the 27th May BCI Guidelines, as well as the 9th June Press Release, as well as the quashing of the 27th June University of Delhi notification. It further prays for an order directing an alternative system of evaluation to be formulated so as to do complete justice to the poorer section students and to exclude any possibility of discrimination and disadvantage. Click Here To Download Petition[Read Petition] Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Story
Mayor Jay Gillian Dear Friends,I’m sad to report on the passing of four citizens who served our country and community in many ways. I want to take a moment to pay tribute to Father Edmond Speitel, Fred Hoffman, Judy Kolea and Bob Wilent.Father Speitel touched many lives as pastor at St. Frances in our St. Damien Parish here in Ocean City, and that’s how many of us know him. He was a World War II veteran before his ordination, and he returned to combat as a chaplain in Vietnam. His military career was just a small part of his six decades of dedication to God, church, veterans and all the people of his parish.An educator, athlete, coach and proud father, Fred was a member of the Ocean City Board of Education and a long-time advocate for local youth. He volunteered with many community organizations and was a familiar face in the north end of town. Fred was never afraid to speak his mind, but he always was respectful of everybody in the community. I sat with Fred on the school board, and I’m grateful to have learned many things from him. I know I’m a better public servant because of him.Judy was a member of the Ocean City Yacht Club, Ocean City Republican Club and local volunteer whose family remains an important part of the community. There are a lot of folks on the lagoons who fondly remember days and nights spent with Judy and family.I want to echo City Council’s tribute to Bob from last night. Bob owned and operated a home improvement business in town with a reputation for service and fairness. He was an active social member of the local VFW post and a good friend to many people in town.These are examples of the many people in Ocean City who make a difference in our lives through their everyday actions. I hope you all will join Michele and me in extending condolences and prayers to the families and friends of these four members of our community.Grand marshal Barbara Eden will lead the annual Doo Dah Parade down Asbury Avenue and the Boardwalk on Saturday starting at noon rain or shine. She’ll be back to host the Mr. Mature America Pageant at 7 p.m. Saturday, and tickets are still available. See more information on these and all our upcoming events .I hope you all have a great weekend.Warm regards,Mayor Jay A. Gillian
The recent closure of a sandwich business, due to listeria, highlights for us all the added risks chilled food operations all have to contend with these days, over and above the complexities of running any business.Like other bacteria, listeria is not something you can see or touch, yet the potential consequences to health, your business and the industry should be a concern for us all. Chilled foods are, by their nature, high-risk and the manual processes involved in putting them together just add to this… and then we add shelf-life.The message to all of us from this particular incident is that you can never do enough when it comes to both cleanliness and the sourcing of ingredients from safe and reputable suppliers. The particular business involved in this case was considered by most people who audited it, including the health service, to be a clean operation. There are many worse out there.More worrying still is the fact that, having closed voluntarily, there seems to be no clarity among the various authorities about what a business has to do before it can re-open. The correspondence between parties suggests that no protocol has ever been set out for reopening a factory after such an incident, particularly if it closes voluntarily. It seems that if you do the right thing, you can find yourself in deeper trouble than if you wait to get caught. What nonsense!While the British Sandwich Association is seeking some answers from all those involved, this incident just underlines the increasing complexities now involved in running a sandwich business.