A CAP Resources Limited (ACAP.bw) 2012 Annual Report

first_imgA-Cap Energy Limited (ACAP.bw) listed on the Botswana Stock Exchange under the Mining sector has released it’s 2012 annual report.For more information about A-Cap Energy Limited (ACAP.bw) reports, abridged reports, interim earnings results and earnings presentations, visit the A-Cap Energy Limited (ACAP.bw) company page on AfricanFinancials.Document: A-Cap Energy Limited (ACAP.bw)  2012 annual report.Company ProfileA-Cap Energy Limited formerly (A-Cap Resources Limited), listed on the Botswana Stock Exchange, is an Australian-based mineral exploration company with extensive interests in Botswana where it holds over 5 000 square kilometres of exploration licenses. A-Cap is the first company to produce a JORC compliant uranium resource in Botswana and is a significant contributor to the world’s uranium stock. Its main activity is centered on the ongoing feasibility study of the Letlhakane Uranium Project in the northeast of Botswana, and the Southern Pans Project which is located northwest of Letlhakane and the Bolau Prospects to the north. A-Cap also has extensive interests in coal exploration with various tenement portfolios in Botswana.last_img read more

Stonebridge Properties Limited (STBR.mu) Q32017 Interim Report

first_imgStonebridge Properties Limited (STBR.mu) listed on the Stock Exchange of Mauritius under the Property sector has released it’s 2017 interim results for the third quarter.For more information about Stonebridge Properties Limited (STBR.mu) reports, abridged reports, interim earnings results and earnings presentations, visit the Stonebridge Properties Limited (STBR.mu) company page on AfricanFinancials.Document: Stonebridge Properties Limited (STBR.mu)  2017 interim results for the third quarter.Company ProfileStonebridge Properties Limited engages in the investment sector where the company focuses on investing in real estate securities and directly in properties, where such investments offer investors both income and capital growth. Stonebridge Properties Limited is listed on the Stock Exchange of Mauritius.last_img read more

Stanbic IBTC Bank (IBTC.ng) 2018 Abridged Report

first_imgStanbic IBTC Bank (IBTC.ng) listed on the Nigerian Stock Exchange under the Banking sector has released it’s 2018 abridged results.For more information about Stanbic IBTC Bank (IBTC.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Stanbic IBTC Bank (IBTC.ng) company page on AfricanFinancials.Document: Stanbic IBTC Bank (IBTC.ng)  2018 abridged results.Company ProfileStanbic IBTC Plc is a financial services company in Nigeria offering banking products and services for the retail, corporate, investment and wealth management sectors. The Personal and Corporate Banking division provides a full-service offering ranging from transactional accounts to residential accommodation loans, vehicle and equipment finance and instalment finance. The Corporate and Investment Banking division offers products and services for foreign exchange, fixed income and equity trading as well as transactional banking, corporate and property lending and custodial and trade finance services. The Wealth Management division provides services for investment management, pension management, portfolio management, unit trust/fund management and trusteeship services. Stanbic IBTC Holdings Plc undertakes venture capital projects and private equity investments; acts as an executor and trustee of wills and trusts; and provides agency, insurance brokerage and stockbroking services. Founded in 1989, Stanbic IBTC Holdings Plc is a subsidiary of Stanbic Africa Holdings Limited. Its company head office is in Lagos, Nigeria. Stanbic IBTC Plc is listed on the Nigerian Stock Exchangelast_img read more

Prestige Assurance Plc (PRESTI.ng) Q32019 Interim Report

first_imgPrestige Assurance Plc (PRESTI.ng) listed on the Nigerian Stock Exchange under the Insurance sector has released it’s 2019 interim results for the third quarter.For more information about Prestige Assurance Plc (PRESTI.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Prestige Assurance Plc (PRESTI.ng) company page on AfricanFinancials.Document: Prestige Assurance Plc (PRESTI.ng)  2019 interim results for the third quarter.Company ProfilePrestige Assurance Plc is an insurance company in Nigeria licensed to cover all classes on non-life insurance. The company offers products for motor, marine, bond, engineering, fire, aviation, oil and gas, and general insurance. Prestige Assurance Plc also provides all risk insurance and products for group personal accident, burglary, fidelity guarantee, workmen’s compensation, machinery breakdown, fire and allied perils, consequential loss insurance and liability insurance. Prestige Assurance Plc is a subsidiary of The New India Assurance Company Limited, Mumbai. It was founded in 1952. The company’s head office is in Lagos, Nigeria. Prestige Assurance Plc is listed on the Nigerian Stock Exchangelast_img read more

Buffett’s stance on Bitcoin, and what we can learn from it

first_imgSimply click below to discover how you can take advantage of this. T Sligo | Tuesday, 28th January, 2020 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. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. See all posts by T Sligo Buffett’s stance on Bitcoin, and what we can learn from it Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! T Sligo has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned 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. Enter Your Email Addresscenter_img Our 6 ‘Best Buys Now’ Shares In recent years, Warren Buffett has had a few things to say about Bitcoin. Most of his comments are unfavourable, and the Sage of Omaha prefers to put his money into undervalued companies that are well-protected from rivals.On the other hand, some people argue that Bitcoin and other cryptocurrencies will replace cold hard cash in the future, leading to a surge in its value.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…Buffett’s stance becomes much more understandable when you consider how long he has been in the game, having bought his first stocks when he was 11 years old.Can his negative comments be read as someone who is outdated and entrenched in his views, or should we take them more seriously?Let’s take a look at some of the things that Buffett has said, and how we can potentially use his knowledge and experience to shape our future philosophy as investors.“It doesn’t do anything”This is the strongest argument against Bitcoin, in my mind.When hunting for shares, Buffett imagines he is buying the whole business. He has likened investing in stocks to purchasing a farm. A prudent buyer would look at the prospective yield of the crop, where the land is situated, the opportunity the land could bring, and the likelihood that the farm’s output might increase over the next 10 years.With Bitcoin, these fundamental investing principles just don’t apply. It has no future value beyond what someone is willing to pay for it. Its pricing is based purely on supply-and-demand.Will Bitcoin be the currency of the future? I believe that this prediction requires a huge leap of faith.In the past, Buffett has said that “it’s a mirage basically”, due to it not being a value-producing asset.“Real bubble”In 2017, Buffett said Bitcoin was a real bubble during his yearly Q&A session. “People get excited from big price movements, and Wall Street accommodates”.Maybe there is a novelty factor at work. When Bitcoin surged in 2017, talk spread from the finance and business pages of magazines and newspapers to the general news sections. Everyone was talking about it and nobody wanted to miss out.“Bad ending”Buffett predicts a bad ending for cryptocurrencies. In an interview with CNBC, he said that “when it happens or how or anything else I don’t know”.Historically, Buffett has a track record of avoiding bubbles by investing in industries and companies he understands. Normally his investments are in businesses with a strong history and an advantage against competitors.As an investor, I will be trying to take a leaf out of Warren Buffett’s book. If I don’t understand how something returns value to investors, I will avoid it.After all, plenty of companies listed on the UK stock market are trading at a price below intrinsic value. Image source: The Motley Fool 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. “This Stock Could Be Like Buying Amazon in 1997” Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee.last_img read more

Direct marketing and public collections dominated 2014 complaints about fundraising, says FRSB report

first_img AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Reasons for complaintsNot all charities record the causes for complaint, but where they do the principal concerns do vary depending on the fundraising method.* Direct mail: the main causes for complaint are poorly addressed communications (25%), frequency of mailings (20%) and tone of the appeal (13%)* Telephone fundraising: the main causes for complaint are a general dislike of telephone fundraising (34%), the tone of the appeal (30%) and frequency of calls (18%)* Doorstep fundraising: the most common cause of complaint was the behaviour of fundraisers (42%), and for household clothing collections it was failing to pick up collection bags (64%).For all these four methods the most common concerns were:* a general dislike of the method* the tone of fundraising messages, and* the frequency of contact. Direct marketing and public collections dominated 2014 complaints about fundraising, says FRSB report  140 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Photo: Ekaterina_Minaeva / Shutterstock.com Fundraising by direct marketing and public collections generated 86% of the complaints about fundraising recorded during 2014 by member charities of the Fundraising Standards Board, according to its FRSB Complaints Report published this week.Direct marketing (which consists of direct mail, telephone fundraising, email and SMS) and public collections (Direct Debit, cash, prospect and clothing / household collections) once again generated the most complaints (86%), although there was a 5% reduction in complaints about direct mail (both addressed and unaddressed).The figures were announced at the Institute of Fundraising’s National Convention in London. They cover 2014, so do not cover the complaints and issues raised following media coverage and comment on the death of Olive Cooke. Nevertheless, common issues do appear, especially around the volume and tone of fundraising communications.Top 10 fundraising methods by complaintIn 2014 the 1,338 FRSB member charities received 52,389 about their fundraising activities which together raised £5.1 billion in voluntary income.*Volume for all fundraising is measured by the number of solicitations for funds, except for these starred methods where alternative measures are used as appropriate (ie the volume of outdoor events is measured by the number of participants, raffles by tickets sold and private site fundraising by Direct Debit sign-ups). **The volume measure for street fundraising sign-ups is multiplied by 180 (source: Public Fundraising Regulatory Association) to approximate the number of solicitations made.It is not, however, simply an issue of volume. Charity advertising has the largest reach of all fundraising methods, yet it resulted in just 2% of complaints.More complaints but more charities reportingThe total number of complaints filed with FRSB increased by 8% from 48,432 to 52,389. Almost half (48%) of this increase came from charities that reported to the FRSB for the first time in 2014.However, more charities have joined FRSB and are reporting. In 2014 FRSB’s membership grew by 10%, and the number of members contributing to the complaints report increased by 11%. Advertisementcenter_img Tagged with: complaints Fundraising Standards Board Research / statistics Most complaints generated by larger charitiesThe majority of complaints are directed at a small number of major charities. This is not surprising, given that their volume of fundraising activity is necessarily substantially larger than those of smaller charities.So, although the average number of complaints about fundraising during 2014 is 39 per charity, major charities averaged 500 complaints each.Small and micro charities typically reported an average of less than one complaint.Most complaints resolved by charities themselvesThe FRSB advises those with a complaint about fundraising to direct it first to the charity concerned. The vast majority of the complaints made in 2014 were resolved by the charities.During the year, 17 complaints were escalated to stage two of the FRSB’s complaints process, at which the FRSB executive team attempt a resolution, and six adjudications were held.The final stage in the process is an independent adjudication ruling by the FRSB’s independent Board.Benchmarking to help reduce complaintsThe FRSB takes an active role in helping charities whose complaints exceed those of their peer group to identify and address relevant problem areas. It does so through its benchmarking programme in which charities receive customised benchmarking reports. This year, for the first time, the reports examine not just fundraising methods but the issues that underlie complaints across the top four methods.Colin Lloyd, Chair of the Fundraising Standards Board said that, given the concerns raised following the tragic death of Olive Cooke, there was a clear need to listen to donors and the wider public and to reflect that feedback within planning future fundraising.He said:“The common themes in complaint monitoring of a general dislike of some fundraising methods and the frequency of charity asks must be met with a true commitment by all practitioners to question the number of approaches they make and the ability with which they enable people to opt out of future contact. We welcome the initial steps that the Institute of Fundraising has recently announced to strengthen and review standards in these areas and we look forward to further progress over the coming weeks”.He acknowledged the “immense challenges” faced by charities as they deal with continued Government funding cuts while demand for their services grows, and the resultant urgent need for funds. He concluded:“But, there is also an urgent need to ensure that public concerns are addressed and that a balance is struck that meets both the interests of the donor and charity beneficiaries.” Howard Lake | 9 July 2015 | News 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.last_img read more

Financial education vital to tackling pension crisis

first_imgChanges to the Student Support Scheme for people living in Direct Provision RELATED ARTICLESMORE FROM AUTHOR NewsFinancial education vital to tackling pension crisisBy Staff Reporter – March 1, 2019 958 Ollie Moran, financial advisorTHE lack of financial education being provided at a young age has contributed to Ireland’s pension crisis.That’s according to a leading Limerick financial advisor who believes that a low standard of financial literacy played a part in the 2008 economic crash and could also cause problems in the future.Sign up for the weekly Limerick Post newsletter Sign Up Ollie Moran, owner and founder of Ollie Moran Financial Services, was commenting on figures from the Central Statistics Office, which put Ireland’s pension liabilities at the end of 2015 at €436.3 billion, which is more than double the national debt.“The level of financial literacy is low certainly by international standards. We need to seriously consider the introduction of a domestic finance subject for students at secondary level, something that equips young people with the basic financial skills they will need in adulthood”, he said.Around 65 percent of private sector workers in Ireland have not made any provision for retirement and the Irish government is now proposing to introduce a mandatory pension scheme to address the issue.International studies however show that attitudes about money are formed in children as young as seven years of age and with research by Irish Life showing that one in four Irish savers don’t know either how to invest or what level of return they could expect from investing, isn’t it time that we consider introducing financial education into the national curriculum in Ireland?What can we learn from others?In England, financial education has been on the national curriculum since 2014. At secondary level, topics include budgeting, savings and pensions, insurance, income and expenditure, credit and debt, simple and compound interest, loan repayments and managing risk, and a number of groups are calling for financial education to become compulsory in primary school.Martin Lewis, founder of moneysavingexpert.com, has also developed a personal finance textbook which aims to make it “easier for teachers and schools to teach financial education”.Every state secondary school in England will receive 100 free copies of the book which has been produced by financial education charity Young Money in collaboration with Mr. Lewis.“Companies spend billions on advertising, marketing and teaching staff to sell, yet we don’t get any buyer’s training. That needs to change,” said Mr. Lewis.“The best place to teach is in the classroom — I hope this textbook will help make that easier.”Emphasising the importance of financial education to society, Michael Mercieca, chief executive of Young Money, said: “It’s vital to the personal well-being of individuals and to the country that we improve the education of young people in this area to give them the best possible chance of success in the future.”According to research carried out in 2018 by Amárach Research half of Irish people say their mental health suffered due to the economic recession and hundreds of thousands experienced thoughts of self-harm or suicide. The research showed that seven in ten experienced stress and anxiety, while over a quarter had to seek professional help to cope with the mental struggle.Even as the economy recovers, Irish households continue to be the fourth most indebted in the EU at an average of €29,307 per capita and approximately one third of all Irish third level students are currently experiencing serious financial problems. With financial wellbeing and mental health being so closely related, financial education early in life is crucial.If the Irish government wants to encourage the public to provide more for their own retirement one way that it can do that is by offering incentives.In the UK, residents can open Individual Savings Accounts (ISAs) and invest up to £20,000 per year tax free. ISAs were introduced in the UK in 1999 and were designed to encourage people to save. There were 10.8 million adult ISA accounts subscribed to in 2017-2018 including cash ISAs, lifetime ISAs, stocks and shares ISAs, help-to-buy ISAs and junior ISAs (which parents can set up for their children).By opening an ISA an individual can buy shares, bonds, investment funds or simply hold money in an interest-bearing account – all tax free.Frank Conway, author of Ireland’s Essential Guide to Personal Finance and founder of MoneyWhizz.org, an organisation that works with schools and employers teaching personal financial skills, points to a recent study carried out by Standard and Poor which shows that only 55 per cent of Irish adults are considered to be financially literate (compared to 71 percent in Norway, Sweden and Denmark, 67 percent in the UK and 66 per cent in Germany).“Although awareness is improving there is much more that can be done. We need to provide people with the basic financial skills that are needed throughout life.There is a tremendous amount of interest in the services we provide from both primary and secondary schools as well as well as Irish companies helping their employees develop these skills, but it is critical that financial education is fully integrated into the national curriculum, at both primary and secondary level.”Ireland is facing a massive pension shortfall and urgent action needs to be taken.People are living longer, the financial landscape is becoming more crowded and complicated and individuals are being asked to provide more for their own financial security in retirement at a time when interest rates are at an all-time low.If this is to become a reality, the Irish government needs to urgently introduce financial education into schools and introduce incentives for adults already in employment.by Rian Mac GiobúinEireannachtharlear.com Education and Training Board serves up award winning standards Linkedin Twitter Limerick social entrepreneurs honoured for their work in response to covid-19 Advertisement Printcenter_img Limerick schools urged to get involved in STEM challenge Email Students in Limerick colleges to benefit from more than €1.5M funding to assist with online learning Facebook TAGSeducationEireannachtharlear.comFinancialRian Mac Giobúin Previous articleIrish Metal event of 2019 set for King John’s CastleNext articleNew political party to launch in Limerick Staff Reporterhttp://www.limerickpost.ie WhatsApp Consultation process on a new action plan for apprenticeship launchedlast_img read more

No. 25 BYU Drops Close Game to Cal

first_img“We played a solid game today,” BYU head coach Mike Littlewood said. “A couple small execution things cost us.” Player Highlights The Bears took the lead in the bottom of the seventh inning on a double to right center that scored the runner from second. With runners on second and third with one out, BYU turned the 6-4-3 double play to end the inning. BYU (29-11) and Cal (24-15) battled through four scoreless innings until the Cougars strung together a collection of hits in the top of the fifth to score two. With Mitch McIntyre on second after a double, Casey Jacobsen hit a two-out triple to left field to bring McIntyre home. Danny Gelalich followed in the ensuing at-bat with an infield single to bring in Jacobsen. Written by Tags: BYU Cougars Baseball/California Golden Bears Mitch McIntyre: 2-3, 2B, RCasey Jacobsen: 1-2, 3B, R, RBI Game Summary FacebookTwitterLinkedInEmailBERKELEY, Calif. – No. 25 BYU baseball gave up three unanswered runs to fall to Cal by a score of 3-2 on Monday. BYU went up 2-0 in the fifth inning, but the Bears answered with two in the bottom of the fifth and the game-winning run in the seventhThe loss snapped BYU’s five-game winning streak The heart of the order came up for BYU in the top of the ninth, but went down in order to end the game. BYU will next play three at Loyola Marymount starting Thursday, May 2, at 6 p.m. PT on TheW.tv, BYU Radio and ESPN 960 AM. Cougar starter Jarod Lessar threw four strikeouts in his 4.0 innings pitched, allowing just a solo home run in the bottom of the fifth. Drew Zimmerman then entered the game, drawing two outs before a double and an RBI-single tied the game, 2-2. April 29, 2019 /Sports News – Local No. 25 BYU Drops Close Game to Cal Robert Lovelllast_img read more

A modern take on… rainbow CAke by Lily Vanilli

first_imgLily Vanilli is a cutting-edge cake baker and curator of the first-ever art exhibition made entirely from cake Cake Britain in 2010. She kicks off a series of novel product ideas to enliven any bakery range.This rainbow cake is perfect for birthdays someone recently wrote to me that they had made it for their 90-year-old grandma! In general I try to avoid food colourings and use natural ingredients to decorate cakes wherever I can, but this psychedelic sponge has a magical and fun quality that always makes people smile. The recipe and instructions below are for a layer cake, but you can adapt it to make cupcakes (pictured) or even use a chocolate and vanilla batter to make a zebra print cake. I like using this sponge inside my more dramatic cake sculptures, so there is an extra exciting element when it’s cut into. It looks beautiful on a counter and disappears if you are selling it by the slice.IngredientsUnsalted butter, softened225gCaster sugar410gLarge eggs, room temperature4Plain flour sifted twice400gBaking powder2.5 tspSalt1.5 tspWhole milk w/2 teaspoons vanilla extract added8fl ozFrostingUnsalted butter, very soft225gConfectioners’ sugar1kgMilk245gVanilla extract2 tspDouble cream2 tbspMethod1. Cream the softened butter with a mixer until smooth. Add the sugar and beat until pale and fluffy about 5 minutes, starting on medium and working up to high speed.2. Add the eggs, one at a time, beating on medium speed after each addition until just incorporated.3. Combine the flour, baking powder and salt and add to the batter in three parts, alternating with the milk and vanilla, beating well after each addition and beginning and ending with the dry.4. Now make a rainbow! Divide your batter into 7 small bowls equally. Then, using gel colours (not liquid food dye), mix a little (use a toothpick) of each colour of the rainbow to make red, orange, yellow, green, blue, indigo, violet. Spoon just over 3/4 of the red batter into the centre of the first of two 8-inch round cake pans, spread it out a little and then add slightly less of the orange batter to the centre of the red, then continue through the rainbow, each time adding a little less of the mixture and to the centre (so the colours form concentric rings).5. When you have finished, repeat in the opposite direction in the second pan so start with violet and work up to the last drop of red.6. Bake for 25 minutes in a 180°C oven or until a skewer inserted into the centre of the cake comes out clean.7. Let the cakes cool in the pan for 5-10 mins, then transfer carefully to a cooling rack and allow to cool completely.For the frosting1. Beat the softened butter until it is smooth.2. Add the milk, vanilla and double cream and blend until smooth feel free to add a little more milk or cream until you get a consistency you like.3. Ice the cooled cake any colour you like.l For more creative cake ideas, recipes and baking tips visit lily-vanilli.blogspot.comlast_img read more

Metcalfe offers flexibility

first_imgMetcalfe Catering is offering three processors under the MC range, which it claims can chop, purée, mix, liquidise, knead, grind and blend. The MC line includes a compact MC3 three-litre model, the more substantial MC5 five-litre model and the heavy-duty MC8 eight-litre model.All three models have stainless steel bowls, a stainless steel frame and body and a single blade as standard that caters for most tasks. The firm also offers optional serrated or perforated blades.last_img