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National Salt Company Nigeria Plc (NASCON.ng) HY2014 Interim Report

first_imgNational Salt Company Nigeria Plc (NASCON.ng) listed on the Nigerian Stock Exchange under the Food sector has released it’s 2014 interim results for the half year.For more information about National Salt Company Nigeria Plc (NASCON.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the National Salt Company Nigeria Plc (NASCON.ng) company page on AfricanFinancials.Document: National Salt Company Nigeria Plc (NASCON.ng)  2014 interim results for the half year.Company ProfileNational Salt Company Nigeria Plc (NASCON) manufactures and markets a range of edible salt for industrial use and iodine-fortified kitchen salt for domestic use in Nigeria. By-products from the salt refining process include fine (butter) salt used to make biscuits and confectionary products; and granulated kitchen salt and industrial salt. The company has factories located in Oregun, Apapa and Port Harcourt and installed capacity of 400 000 tonnes per annum for 25-50 kilogram bags of salt and 100 000 tonnes per annum for salt sachets. Salt products for domestic use are marketed under the brand name Annapurna and Dangote. Annapurna is a brand name owned by West Africa Popular Foods (WAPF) as a joint venture between the former NASCON and Unilever Nigeria Plc. The company was established in 1973 and formerly known as National Salt Company of Nigeria Plc. Its head office is in Lagos, Nigeria. National Salt Company Nigeria Plc is listed on the Nigerian Stock Exchangelast_img read more

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The Bee Equity Partners Ltd (FIDE.mu) 2020 Abridged Report

first_imgThe Bee Equity Partners Ltd (FIDE.mu) listed on the Stock Exchange of Mauritius under the Investment sector has released it’s 2020 abridged results.For more information about The Bee Equity Partners Ltd (FIDE.mu) reports, abridged reports, interim earnings results and earnings presentations, visit the The Bee Equity Partners Ltd (FIDE.mu) company page on AfricanFinancials.Document: The Bee Equity Partners Ltd (FIDE.mu)  2020 abridged results.Company ProfileThe Bee Equity Partners Limited (formerly Forward Investment and Development Enterprises Limited) operates as a private equity firm that is involved in small to medium enterprise investments. The company also offers financial solutions for entrepreneurs in Mauritius. The company’s segments include stone crushing, block making and investment activities. The Bee Equity Partners Limited is listed on the Stock Exchange of Mauritius.last_img read more

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I think this FTSE 100 dividend stock could pay you for the next 50 years

first_img Our 6 ‘Best Buys Now’ Shares Enter Your Email Address 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Simply click below to discover how you can take advantage of this. There appear to be numerous buying opportunities in the FTSE 100 at present. Even though the index made substantial gains in 2019, a large number of constituents are still trading at levels that suggest the stocks could offer value and the potential for long-term returns.Falling on hard timesBunzl (LSE: BNZL) used to be a market darling, but the stock fell on hard times in spring 2019 when the company warned that profit margins and earnings would come in below expectation for the year.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…However, after this decline, the stock appears to offer value. For the past decade, earnings per share have, on average, grown at a rate of 10% per annum as the company has pursued a buy-and-build strategy.Over the past two decades, Bunzl has acquired 157 businesses around the world with an average purchase price of £20m. There’s no reason why management cannot continue with the strategy, as the global distribution market remains highly fragmented.Bunzl has proven that it knows what it is doing when it comes to buying and integrating smaller businesses. The managers of these companies will want a reliable partner to take over their businesses. Bunzl has proven time and time again that it is that sort of partner. According to management, there are at least 1,000 possible acquisition targets for the firm. Therefore, the group has enough potential acquisitions to last it for the next 40 to 60 years.Dividend growthThe company’s acquisitions have helped support dividend growth for the past few decades. Its dividend has risen every year for several decades, and today the stock supports a yield of 2.5%. With a dividend cover ratio of 2.5 times, it can afford to grow its dividend further and use the cash generated from operations to pursue its growth strategy, just as it has been doing for the past few decades.In 2019, the company acquired three businesses for a total spend of approximately £120m. The latest deal was for a safety and emergency response supplies business in Australia, which brought sales of £19m to Bunzl.Continues to trade at a low valuationDespite a recent recovery in the share price, the stock continues to trade at a low valuation. It has a price-to-earnings (P/E) ratio of 16.2, below the long-term average of 19, which suggests that the stock offers a wide margin of safety. As such, Bunzl’s total return prospects could be high.With the demand for distribution and supply services unlikely to decline for the foreseeable future, Bunzl is well placed to capitalise on the growth of the market through a combination of organic expansion and acquisitions. Considering the stock’s low valuation compared to its average, now could be a good time for long-term investors to snap up a share in this business, as it gets ready for the next stage of growth. Image source: Getty Images Rupert Hargreaves owns no share 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.center_img 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 think this FTSE 100 dividend stock could pay you for the next 50 years Rupert Hargreaves | Sunday, 12th January, 2020 | More on: BNZL “This Stock Could Be Like Buying Amazon in 1997” 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 Rupert Hargreaveslast_img read more

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Do lunch crowds really keep Apopka from having better restaurant options?

first_img Maxine 8 COMMENTS TAGSOpinionrestaurantsTasting Apopka Previous articleBlack Friday marketing tricks and four ways to stop yourself from falling for themNext article5 Best Deals to Shop This Weekend Denise Connell RELATED ARTICLESMORE FROM AUTHOR Madge Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Support conservation and fish with NEW Florida specialty license plate I Wsh that there was more places in Apopka for shopping and dining but it seems to me that this city is only interested in developing the east side to town. When you drive from 429 connection rd down towards Main Street, it’s endless buy here pay here car lots, abandoned warehouse buildings, hotels that need serious renovations, homeless people and vacant land. There is no plans for Sunrail or a College in Apopka. This city does not need another fast food restaurant or dollar store, we want places like Olive Garden, Texas Roadhouse, Target, Five Guys, Whole Foods, Starbucks. November 29, 2019 at 12:10 pm LEAVE A REPLY Cancel reply I have lived in Apopka on and off since 1995 and now after retiring from a federal position in DC I’m back. The city does need a center similar to Winter Park. What I miss most about DC are the sole proprietorship restaurants each with their own specialty. Also entertainment for mature adults jazz and RB clubs good food and networking. I may be retired but I’m not dead and I’m not a theme park junkie. So let’s grow Apopka! Please enter your comment! OpinionBy Tasting ApopkaEditor’s Note – Tasting Apopka is a local Facebook page dedicated to critiquing and promoting Apopka restaurants. In this op/ed, they challenge the notion that Apopka’s restaurant choices are limited because of the lack of a consistent weekday lunch crowd. We thank Tasting Apopka for allowing The Apopka Voice to publish its recent post. So I had an opportunity to be part of a discussion in regards to growing a community the right way and Apopka was brought up. It was stated that the reason behind the slow progression in restaurants seeking out Apopka is due to no market for a lunch crowd. Meaning because the majority of working-class Apopkans work outside of Apopka and therefore there is no lunch crowd to sustain a business. I hear that I get that and I even understand that, but there are several examples that buck that trend.And since we are talking lunch crowds.1. Chili’s East & West Apopka2. Something Fishy3. Chuck Wagon4. Porkies5. Bubbalou’s6. Fancy Q Sushi7. Tijuana Flats East & West8. Victorio’s9. The Catfish Place10. Gators11. Beef O’Brady’s12. Froggers13. Cafe PositanoThe above 13 restaurants are just to name a few of eateries that have been in Apopka a long while or recent but have negated the notion of a lunch crowd is needed to succeed. Not to mention IHOP, Denny’s, Fuddruckers, Pizza 1905 and the Southern Deli.So I visited a town very similar to Apopka in many ways and yet they are flourishing. See the comparisonApopka is 34 square miles. This town is 11.Both towns are near a major metropolitan city with Apopka being closer to Orlando than this other town by at least 20 minutes.• Both towns were former farm communities.• Both towns have had an influx of new housing developments (some say too many) with no road infrastructure to support the growth.• Both towns have had a new toll road built with exits to and from this town.• Apopka currently has two soon to be three major hotel brands, the other town had one but a second just opened recently.• Both towns have overcrowded schools.• The median income for Apopka is 60k. This other town’s median income is 87k.• The population for Apopka is about 50k. The population for the other town is 21K (the population gap kind of averages out the median income)• Both towns have a historic downtown area with small shops but not like Mount Dora.• Both towns have way too many dollar stores.• The other town doesn’t have as many fast-food restaurants as Apopka.• Both towns struggled during the recession.• Both towns are without a town center.The other town, instead of creating a town center, decided to go with an area HUB. They decided to fix up their downtown area to renovate the dated look but keep its historical look. Once the city committed to their renovation plans and announced it, the movie theater opened, then Kohl’s, several retail stores, Cha ic-Fil-A, new supermarket, a new hotel, more restaurants and other businesses opened up too.So their HUB is more like Winter Garden Village. From 12 to 3 in the afternoon this town in my opinion is dead. Yes you have your older crowds, your stay at home parents, work from home crowds and those just passing through that stop in for a bite to eat.BUT AFTER 5PM The residents return home, they go to the movies, they shop and they go out to eat. So what they lack for lunch they make up for in dinner and of course the weekends. So the notion of the no lunch crowd deterrent or rather lack of a lunch crowd myth, in my opinion, doesn’t hold water. (My cousin Vinny)I believe I’ve said it before and I’ll say it again. If you build it they will come.I drove through downtown Ocoee yesterday and I was amazed at what they’ve done and how they renovated the streets, sidewalks, landscape fixed up there city hall and other areas and it really looks NICE from the last time i drove through, I noticed a small brewery has opened up, a new bbq spot and from my understanding there is more to come.I believe Ocoee is on the right track, this other town (let’s call it Akpopa the doppelganger of Apopka) is also on the right track but invested in there town and the businesses showed up to plant a seed and invested into that same town. The people are happy they don’t have to drive out of town to spend money and they spend it locally. To me it just makes sense. I just see this same formula working elsewhere in like-manner cities like Apopka.Why not Apopka?But until the city puts out the commitment to change, announce the renovations and innovation plans that Apopka is open for business no one will ever know about it and we are doomed to repeat and allow people to think we have no vision and all we want is fast food.Leave Zaxby’s alone. The city needs to hold a press conference about the new plans for Apopka, artist renderings, social media, and PUT THE WORD OUT that we are moving forward.The reason I say this is near the hospital they were supposed to open a big box store or plaza by Marden Apartments. The owner is now saying the market isn’t looking good for this area and he’s not sure what he’s going to do with it now. I remember when Marden Apartments was announced before the hospital was built and the hope was that businesses will build around it.I personally feel if they still build it it would be successful especially right off 414 and not to mention in and out. Please enter your name here Yes this is exactly how I feel lets get going Apopka.Adult jazz and R&B clubs would really make a difference with restaurants. Clothing stores closer than up 436 like on west side.Marden road I feel would be an awesome location. November 30, 2019 at 4:53 pm January 14, 2020 at 9:33 pm November 29, 2019 at 4:24 pm Reply Reply December 1, 2019 at 9:58 am Diana Saundra Santana Jaimecenter_img Reply And we want to keep the nurseries; makes Apopka special! You have entered an incorrect email address! Please enter your email address here The Anatomy of Fear Reply Reply Reply Reply Nate Share on Facebook Tweet on Twitter Perhaps another factor would be, there are still many plant nurseries/greenhouses in Apopka and some only get 30 minutes for lunch and that makes it impossible to go anywhere for lunch. Constance D Harrison December 21, 2019 at 5:22 pm As someone who is in their 30’s with disposable income whom drives all over Central Florida as part of their job, Apopka is dated. It’s lack of community spaces and decrepit “historical” buildings do nothing to make residents want to longer in town. I would rather spend my time in Downtown Winter Garden or even Eatonville if I want to enjoy strolling amongst local businesses. I do have to say that Fancy Q Sushi is one of the few establishments I thoroughly recommend to anyone looking to dine in Apopka. Joe We are a young family in Apopka and we often find ourselves driving to Lake Mary, Orlando, and Winter Garden for healthier food options. We love places like Fresh Kitchen and FirstWatch and Specialty Pizza (which uses slightly healthier ingredients). There is so much potential in Apopka and we love it here and hope to stay here for a long time so it really would be nice to see to stop having to drive to Lake Mary or Winter Garden. We are so excited for Lucky’s Market and love Tacos Don Pepe. I think we need to bring more independent restaurants, shops and coffee places to the areas near the West Orange trail. It also couldn’t hurt to advocate for better magnet programs for our Public Schools like the IB programs which have helped schools like Seminole High School and Winter Park High School. December 1, 2019 at 6:14 am Save my name, email, and website in this browser for the next time I comment. Reply My wife and I just moved to Apopka in one of the newly developed areas and coming from college Park we’re really disappointed with the lack of restaurants and activities in close vicinity. We’re a young couple and have disposable income that we would love to spend in our home town but constantly find ourselves traveling to Winter garden or into Orlando for the objectively better options. PLEASE grow an area like downtown Winter garden, we would love it! December 1, 2019 at 7:37 amlast_img read more

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Caring Wood / James Macdonald Wright and Niall Maxwell

first_img 2017 Save this picture!© James Morris+ 16 Share Acoustic Consultant: United Kingdom Caring Wood / James Macdonald Wright and Niall MaxwellSave this projectSaveCaring Wood / James Macdonald Wright and Niall Maxwell Projects Architects: James Macdonald Wright, Niall Maxwell Year Completion year of this architecture project Main Contractor: “COPY” Houses CopyHouses•Kent, United Kingdom Planning Consultant: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/874409/caring-wood-macdonald-wright-architects Clipboard Groundworks and structure: Photographs:  James Morris, Heiko Prigge Manufacturers Brands with products used in this architecture project Conker Conservation Ecological Building Consultant: Services Engineer: center_img ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/874409/caring-wood-macdonald-wright-architects Clipboard Manufacturers: INTERNORM, Illbruck, Gallaghers, KLH, Keymer Hague Construction Photographs DHA Planning Caring Wood / James Macdonald Wright and Niall Maxwell “COPY” Project Management And Design Advisor:Macdonald Wright ArchitectsExecutive Architects:Rural Office for ArchitectureGroundworks Project Manager:Alex McLennanArchitects In Charge:James Wright, Niall MaxwellLandscape And Ecology Consultant:SpacehubLandscaping Contractor:Landform ConsultantsCity:KentCountry:United KingdomMore SpecsLess SpecsSave this picture!© James MorrisRecommended ProductsFiber Cements / CementsSwisspearlSwisspearl Largo Fiber Cement PanelsWoodBruagBalcony BalustradesEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsWoodGustafsWood Veneered Wall & Ceiling PanelsText description provided by the architects. Caring Wood is an extensive country home for three generations of the same family, incorporating formal, communal and private spaces. Set in 84 acres in Kent, its brief was twofold: to embody the spirit of the English country house and estate in a design that would embrace its context and landscape; and to provide a sustainable home for life, both in the sense of carbon neutrality and in terms of a flexible design that can accommodate an entire family and evolve with them, potential being extended for future generations.Save this picture!© James MorrisHaving worked together previously, James Macdonald Wright (of Macdonald Wright Architects) decided to collaborate with Niall Maxwell (of Rural Office for Architecture) to realise the design of Caring Wood. This project is the joint authorship of both architects.Save this picture!Section A-AThe project programme had three clear stages: groundworks, including access roads, quarrying for stone on site and construction of a lake; the main contract, incorporating the house and the estate manager’s cottage; and the landscaping. The project was subject to a rigorous planning process to achieve consent under PPS7*.Save this picture!© James MorrisGeometry and settingMacdonald Wright was first tasked with finding a location within an hour’s drive of London. Substantial research resulted in the selection of a site that had been partially used for polytunnel agriculture and already had consent for a house. Up until 100 years ago, Caring Wood had been ancient woodland and so a key aim of the project became to return the land to its original wooded state. This has involved the planting of over 25,000 mixed native trees; the establishment of twenty acres of wildflower meadow; and creating an orchard of 500 cherry trees.Save this picture!© James MorrisThe client wanted the form of the house to reflect the notion of the family’s interdependence and independence through a ‘four in one’ and ‘four and one’ geometrical conceit. In response, the architects developed four equal, pronounced forms in pinwheel formation, rotating around an inner courtyard. Working with the Frank Lloyd Wright principle that “No house should ever be on a hill or on anything. It should be of the hill. Belonging to it…”, the architects ‘pushed’ the house over the site’s hill and rotated it to give an ever changing series of views and vantage points.Save this picture!First Floor PlanThe fact that the house emerges from the hill also affects the way that it is seen on approach. In historic country house style, a sense of anticipation is created by providing a glimpse of the house and then restricting it. The final approach over the brow of the hill from the west and to the threshold allows the house to take control. It limits views and expresses its entrance.Save this picture!© Heiko PriggeForm and materialsMacdonald Wright researched and integrated the legacy of the English country house and the specifics of the Kentish vernacular to develop the site layout, palette and materials at Caring Wood, whilst Maxwell manipulated the geometry of the built form to evolve the striking configuration of clustered oast roofs around the hidden inner courtyard. The roofing is made up of 150,000 handmade peg tiles from Sussex on a CLT structure with wood fibre insulation. Other materials were sourced locally, including ragstone from Maidstone, coppiced chestnut cladding from Lewes and terracotta floor tiles from Ashford.Save this picture!© Heiko PriggeThe roofs find expression from the inside of the house as well, giving magnitude to the ceilings of even modest-sized bedrooms and creating natural opportunities for light wells, the largest of which illuminates a monumental staircase descending from Caring Wood’s grand mezzanine area to the lower ground living quarters.Save this picture!Section B-BInteriorsGiven the client’s twin passions of music and art, the brief for the interior included provision of a space that could accommodate a grand piano and seating for over 50 guests to enjoy private recitals and view sculpture and paintings. Thus one finds contrasting areas for entertaining on a grand scale in the mezzanine and more intimate family rooms, all pervaded with a sense of calm, enhanced by the free-flowing circulation, pared back aesthetic and continual views over the gentle contours and varied planting of the external landscape.Save this picture!© Heiko PriggeThe internal courtyard has been designed as a contemplative ‘skyspace’. A counterpoint to the views over the surrounding land, this is a hidden spot, completely shut off from the house and landscape. The emphasis is on carefully crafted materials and harmonious colours – pale wood panelling, warm terracotta paving and the deep green of a central pond – and an uninterrupted view of the sky overhead.Save this picture!© Heiko PriggeEstate buildingsIn addition to the main house, the architects have created an oast-roofed, ragstone-walled estate manager’s cottage which dialogues with the main house, set apart from it by mixed planting either side of a Ride. To the south of this is a green oak-framed, black-timbered barn, alongside a turfed photovoltaic bank, nestled into the contours of the site so as to reduce its impact on neighbouring properties.Save this picture!© James MorrisProject gallerySee allShow less8 Extraordinary Examples of Abandoned ArchitectureArticlesBlack Concrete: How Attilio Panzeri Creates Contrast with a Specialized RecipeArchitecture News Share Cardy Construction Neill Woodger Acoustics and Theatre Design Year:  Structural Engineer: Price & Myers ArchDaily Synergy Consulting Engineers CopyAbout this officeNiall MaxwellOfficeFollowJames Macdonald WrightOfficeFollowProductsWoodStoneConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesKentUnited KingdomPublished on June 26, 2017Cite: “Caring Wood / James Macdonald Wright and Niall Maxwell” 26 Jun 2017. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogSinkshansgroheBathroom Mixers – FocusGlass3MGlass Finish – FASARA™ Fabric/WashiPartitionsSkyfoldVertically Folding Operable Walls – Mirage®WoodParklex International S.L.Wood Finishes in Landaburu BordaSinksBradley Corporation USASinks – Frequency® FL-SeriesMetallicsTrimoFire Resistant Panel – Trimoterm FTVSkylightsVELUX CommercialModular Skylights – Northlight 40-90°SinksAcquabellaSink – LeviCurtain WallsRabel Aluminium SystemsMinimal Curtain Wall – Rabel 35000 Slim Super ThermalWoodBlumer LehmannData Processing for Wood ProjectsPorcelain StonewareCeramiche KeopeCeramic Tiles – EvokeChairs / StoolsBassamFellowsSpindle Chair and StoolMore products »Save想阅读文章的中文版本吗?红山窑屋 Caring Wood,传统英伦情怀的完美展现 / James Macdonald Wright and Niall Maxwell是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

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SJ XVIII House / Minimal Studio

first_img SJ XVIII House / Minimal Studio City:AlcúdiaCountry:SpainMore SpecsLess SpecsSave this picture!© Art SanchezRecommended ProductsCarpetsCaneplex DesignHandmade Bamboo MatsMetallicsTECU®Copper Surface – Classic CoatedWoodEGGERLaminatesEnclosures / Double Skin FacadesAlucoilStructural Honeycomb Panels – LarcoreText description provided by the architects. During the rehabilitation of this house located in the heart of an ancient Roman city, Pollentia, its been sought to liberate it from coatings and superfluous elements that hide its true beauty.Save this picture!© Art SanchezSave this picture!Save this picture!© Art SanchezExposing the natural stone enclosures, its wounds caused by the passage of time and its logical imperfections derived from a construction process of its era. The existing recovered elements have been mimicked with materials and elements of new execution, presenting a special detail to the texture and finish, integrating them into the home, merging one era with another, as if they had always coexisted with each other.Save this picture!© Art SanchezSave this picture!© Art SanchezEach scar in the house tells a past story, which, far from wanting to be hidden, has sought to adapt the project and connect the past with the present in the aesthetics and functionality of the house.Save this picture!© Art SanchezProject gallerySee allShow lessBP Tower / Cadaval & Solà-MoralesSelected ProjectsUpper Wimpole Street Apartment / Jonathan Tuckey DesignSelected Projects Share Photographs Save this picture!© Art Sanchez+ 19Curated by Clara Ott Share CopyAbout this officeMinimal StudioOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentRenovationAlcúdiaOn FacebookSpainPublished on October 08, 2020Cite: “SJ XVIII House / Minimal Studio” [Vivienda SJ – XVIII / Minimal Studio] 08 Oct 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogSinkshansgroheBathroom Mixers – LogisVinyl Walls3MExterior Vinyl Finish – DI-NOC™ StonePartitionsSkyfoldWhere to Increase Flexibility in SchoolsTiles / Mosaic / GresiteCupa PizarrasVentilated Facade – CUPACLAD UprightGlassLAMILUXGlass Roof PR60ConcreteKrytonCrystalline Waterproofing – KIMSkylightsVELUX CommercialAtrium Longlight Skylights in ExperimentariumMetal PanelsLorin IndustriesAnodized Aluminum – Copper FinishesStonesFranken-SchotterWall Covering & CladdingWindowsRabel Aluminium SystemsMinimal Casement Windows – Rabel 8400 Slim Super Thermal PlusSwingsStudio StirlingHanging Chair – BasketWallcovering / CladdingArrigoni WoodsWood Cladding – AcousticMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream Manufacturers: AutoDesk, Fontini, Wever & Ducre, Adobe, Durán, Ebanista Simón Tortella, ICÓNICO, Minimal Studio Projects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/948312/sj-xviii-house-minimal-studio Clipboard Year:  2019 Photographs:  Art Sanchez Manufacturers Brands with products used in this architecture project Interior Designers: Minimal Studio Area Area of this architecture project Area:  212 m² Year Completion year of this architecture project “COPY” Houses ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/948312/sj-xviii-house-minimal-studio Clipboard Projects CopyHouses, Renovation•Alcúdia, Spain Lead Architect: J.David Martinez Jofre Spain “COPY” SJ XVIII House / Minimal StudioSave this projectSaveSJ XVIII House / Minimal Studio ArchDailylast_img read more

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Experian: Credit Outlook Bright for 2018

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles About Author: David Wharton Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily  Print This Post Home / Daily Dose / Experian: Credit Outlook Bright for 2018 Consumer credit reporting agency Experian has released its eighth annual State of Credit report, showing a positive state of affairs that includes average credit scores trending upward and inching closer to pre-Recession totals.Experian’s data reveals that the national average credit score has ticked upwards by two points in the past year, rising from 673 to 675. Furthermore, that new total puts it only four points shy of the pre-Recession 2007 average of 679. Experian’s report also shows that consumer confidence is actually higher than in 2007—it’s up 16 percent compared to the same time in that year. Consumer confidence is also up 25 percent year over year.Experian also found that the average mortgage debt in 2017 was $201,811.Michele Raneri, VP of Analytics and New Business Development at Experian, said, “The trend line that we are seeing is quite promising. With employment and consumer confidence on the rise, we’ve made great progress as a country since the recession. The economy is expected to expand at a healthy pace this year supported by access to affordable consumer credit and we believe that credit will continue to rebound. All of the factors point towards a good year for credit in 2018.”Experian also rated cities around the country as part of its annual State of Credit report. Which city led the pack with the highest average credit score in 2017? It was Minneapolis, Minnesota, boasting an average credit score of 709, which was two points higher than its 2016 average score of 707. Minnesota must be doing something right, because two other Minnesota cities top the list right behind Minneapolis: Rochester and Mankato, both with an average credit score of 708.Rounding out Experian’s top 10 are Wausau, Wisconsin (average credit score 706); Green Bay, Wisconsin (705); Duluth, Minnesota (704); Sioux Falls, South Dakota (704); San Francisco, California (703); La Crosse, Wisconsin (703); and Madison, Wisconsin (703).Southern states dominate the other end of the average credit spectrum, with Texas occupying four of the 10 cities with the lowest average credit ratings for 2017. The bottom 10 cities include Greenwood, Mississippi (624); Albany, Georgia (626); Harlingen, Texas (631); Laredo, Texas (635); Riverside, California (636); Corpus Christi, Texas (638); Odessa, Texas (640); Monroe, Louisiana (640); Montgomery, Alabama (640); and Shreveport, Louisiana (640).Experian also analyzed credit differences along generational divides. Here’s what they found:Generation Z (born 1996 and later) is building credit through different methods than the generations before them, with heavier student loan debts and fewer credit cards and department store cards. And they are keeping debts low and managing them well.Generation Y/Millennials (born 1977–1995) have seen their scores climb four points over the past year. They’ve also decreased their overall average debt by nearly eight percent, but have added six percent in mortgage debt.Generation X (born 1965–1976) has a credit score of 658, the highest mortgage debt of all generations, and a high instance of late payments compared to the national average. Their scores have improved, so they are managing their debts better than in the past.Baby Boomers (born 1946–1964) continue to carry quite a bit of mortgage debt, and have the lowest late payment instances of all the generations.The Silent Generation (born 1945 and before) has quite a bit of mortgage debt, but are keeping other debts low and making payments on time. At 729, they have the best credit score of all generations and the fewest late payments of any generation.You can peruse Experian’s full State of Credit report for 2017 by clicking here. Previous: Freddie Mac Marks Single-Family Rental Milestone Next: TD Bank Appoints Rick Bechtel and Scott Lindner in Daily Dose, Featured, Journal, Market Studies, News The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Experian: Credit Outlook Bright for 2018 Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Subscribe Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Share Save credit ratings Experian Mortgage Debt State of Credit report 2018-01-12 David Wharton Tagged with: credit ratings Experian Mortgage Debt State of Credit report January 12, 2018 2,087 Views The Best Markets For Residential Property Investors 2 days agolast_img read more

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Aer Arann new flight routes fail to take off

first_imgNewsx Adverts Google+ Man arrested on suspicion of drugs and criminal property offences in Derry Facebook Pinterest Twitter 75 positive cases of Covid confirmed in North Pinterest Facebook Main Evening News, Sport and Obituaries Tuesday May 25th WhatsApp Google+center_img RELATED ARTICLESMORE FROM AUTHOR WhatsApp Aer Arann have shelved plans to operate new routes from City of Derry Airport.Earlier this year the airline announced it would begin flights from Derry to Manchester and Edinburgh from the 20th of May.However Aer Arran announced that the services were being suspended because demand for the routes had been very poor with less  than 10 bookings.Passengers who have booked on the routes will receive full refunds. By News Highland – May 1, 2010 Twitter Previous articleInvestition launched following Derry petrol bomb attacksNext articleCoughlan says government’s tough decision will save economy News Highland Further drop in people receiving PUP in Donegal Aer Arann new flight routes fail to take off 365 additional cases of Covid-19 in Republic Gardai continue to investigate Kilmacrennan firelast_img read more

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Exchange hosts prayer breakfast

first_imgSkip “Judges 3:31 tells us that Shamgar once killed six hundred Philistines with an ox goad, thereby saving Israel from disaster,” Corbitt said. “An ox goad is stick. That’s all Shamgar had but he did what he could, where he could with what he had and he did it for a righteous cause.”Corbitt used Shamgar as an example of a man who was being used by God for the purpose God designed for him.“Shamgar was ready when God needed him,” he said, and that, is the lesson we all could learn from Shamgar. By The Penny Hoarder Email the author Book Nook to reopen Pike County Sheriff’s Office offering community child ID kits Exchange hosts prayer breakfast By Jaine Treadwell Sponsored Content You Might Like Cultured learning Troy Elementary third-graders took a field trip to the Confucius Institute at Troy University this week to learn about Chinese… read more Print Article Published 6:26 am Friday, November 18, 2011 Latest Stories Shamgar is a man who is mentioned only twice in the Bible but he is a model for Christians today.Maj. Otis Corbitt, chaplain U.S. Army, used Shamgar’s example to motivate and challenge those who attended the Troy Exchange Club’s “One Nation Under God Breakfast” Thursday morning at First Baptist Church of Troy.Corbitt said little is known about Shamgar except what is found in two scriptures. Remember America’s heroes on Memorial Day Around the WebDoctor: Do This Immediately if You Have Diabetes (Watch)Health VideosIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential HealthTop 4 Methods to Get Fortnite SkinsTCGThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel At best, all Shamgar had was the first five books of the Bible to guide him.“We have the entire Word of God available to us,” Corbitt sad. “We have all we need to deal with the problems of today. All that is asked of us is to do what we can, where we can, with what we have.”Corbitt said God’s people are called to stand up and be counted for causes that are righteous.“We are called to stand in the gap,” he said. “That phrase comes from the way the shepherds took care of their sheep in Biblical times. They made corrals of thorn bushes but there were no gates, so the shepherds would sleep in the gate – in the gap– to protect their sheep.” Plans underway for historic Pike County celebration Troy falls to No. 13 Clemson The Penny Hoarder Issues “Urgent” Alert: 6 Companies… Standing up and being counted, standing in the gap is not always easy but Corbitt said, if that is God’s call, then “do what you can, where you can, with what you have.”“Take what God has given you and put it into practice,” he said. “If you will follow him, you will make a difference. Sometimes all we can do is pray but prayer is powerful. But do what you can, when you can and with what you have and you will make a difference.”The annual “One Nation Under God Breakfast” was initiated in the 1950s when President Dwight D. Eisenhower added the word, “under God” to the Pledge of Allegiance to the flag of the United States of America.“President Eisenhower began having a prayer breakfast at the White House and the National Exchange Club followed his lead,” said Otis Stone, Exchange Club secretary/treasurer. “In the late, 1970s, the Troy Exchange Club began having the ‘One Nation Under God Breakfast’ and I think these breakfasts are one of the most important things we do for our community. We need to come together as a community to pray for our community, our state, our nation and all the world. That is what we, as a club and a community, can do.”last_img read more

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Officer responds to gun call, realizes it’s kids with a BB gun: ‘I could have killed you’

first_imgColumbus Police(COLUMBUS, Ohio) — Newly released body cam footage from the Columbus Police Department shows the tense moment an officer realized he had pulled his weapon on a couple of kids with a realistic-looking BB gun.Officer Peter Casuccio received a call that there were “two young male blacks” that had “just flashed a gun” while he was driving on Saturday. When he arrived at the scene, one of the boys “freaked out and started pulling the gun out of his waistband,” according to Casuccio, before dropping the gun quickly on the sidewalk.“This is getting kids killed all over the country,” Cascuccio said to the boys.The two boys, who turned out to be 11 and 13 years old, sounded shaken up after understanding the gravity of the situation and apologized to the officer.“You should be sorry and you should be scared,” Casuccio said.The 11-year-old boy then turned to his friend, “I didn’t want him to shoot.”“I know you didn’t want me to shoot,” Casuccio responded. “Do you think I want to shoot an 11-year-old? Do you think I want to shoot a 13-year-old?”Afterwards, Casuccio drove to the 11-year-old boy’s home and explained what had happened to his mother.“Regardless of what people say about the dudes wearing this uniform,” Casuccio said. “We care, we legitimately care, and the last thing I want to do is shoot an 11-year-old because your life hasn’t even gotten started yet.”Casuccio urged the boy to think about the idea before he went to bed.“I could’ve killed you,” Casuccio said. “You could be gone. Everything you wanted to do in this life could be over.”In the last few years, officers in Ohio have fatally shot young, black men saying they mistook toy or BB guns for real weapons. In 2014, 11-year-old Tamir Rice was shot and killed at a Cleveland park after touching a fake gun at his waist. In 2016, a Columbus police officer killed 13-year-old Tyre King after the boy pulled a BB gun from his waistband.Copyright © 2018, ABC Radio. All rights reserved.last_img read more

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