National Microfinance Bank Plc (NMB.tz) listed on the Dar es Salaam Stock Exchange under the Banking sector has released it’s 2018 interim results for the half year.For more information about National Microfinance Bank Plc (NMB.tz) reports, abridged reports, interim earnings results and earnings presentations, visit the National Microfinance Bank Plc (NMB.tz) company page on AfricanFinancials.Document: National Microfinance Bank Plc (NMB.tz) 2018 interim results for the half year.Company ProfileNational Microfinance Bank Plc (NMB) is a commercial bank in Tanzania offering financial solutions for individuals, small-to-medium-sized businesses and large corporations. NMB operates in several segments; wholesale banking, retail banking, agribusiness and treasury. Its product offering ranges from current and savings accounts to time deposits to fixed deposits, and Kilimo, Chap and Chipukizi accounts. NMB also offers loans to entrepreneurs, bank guarantees, and export and import financing, supply chain financing and letters of credit. Other services include forex, cash exchange, institutional and transactional banking, and payment and collection services. NMB has an extensive network of branches and ATMs in the major towns and cities of Tanzania. National Microfinance Bank Plc is listed on the Dar es Salaam Stock Exchange
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. Cliffdarcy has no position in any of the shares mentioned. The Motley Fool UK has recommended HSBC Holdings. 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. This FTSE 100 share has crashed 50%, but I’d keep buying it today! Cliff D’Arcy | Monday, 3rd August, 2020 | More on: HSBA 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. Image source: Getty Images. This isn’t an easy time to be a stock-picker, especially one focused on finding value within the FTSE 100 index. Thanks to Covid-19, there are several sectors (airlines, travel & leisure, etc) that are practically uninvestable right now.Hence, my search for hidden value within the FTSE 100 has tended to concentrate on a few key sectors. I’ve been bargain-hunting mostly within the oil & gas, mining, and banking sectors. And yet prices keep falling, pushing these sectors further into bombed-out territory.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…This FTSE 100 share is bombed-outFor example, take FTSE 100 behemoth HSBC Holdings (LSE: HSBA), whose shares keep dropping every time I rate them as a value buy. They’re down nearly 50% in a year.Exactly a week ago, I claimed that HSBC shares were ‘as cheap as chips’ at 354.3p. Today, after unveiling half-year results, the FTSE 100 bank’s shares hover around 326p. That’s a further fall of 8% in a week, so now they must be even cheaper than chips, perhaps?HSBC faces huge headwindsAs Europe’s largest bank and a leading lender in Asia, HSBC is suffering a perfect storm right now, thanks to these five factors:Being in the firing line of the emerging US-China ‘Cold War’.Concerns over a no-deal Brexit at the end of 2020.The impact of a second wave or rolling Covid-19 waves on lenders.The shape and pace of any post-Covid-19 economic recovery.Falling interest income due to zero or negative interest rates.In short, now is not a great time to be a lender, never mind a FTSE 100 mega-bank with close to $3trn in assets.Another FTSE 100 bank takes a beatingAs for HSBC’s latest results, they make for grim reading, with hugely increased provisions against bad loans almost wiping out profits.In the second quarter, HSBC set aside $3.8bn in loan-loss provisions, roughly $1bn more than analysts estimated. This takes the FTSE 100 firm’s loss provisions to $6.9bn over six months. For 2020 as a whole, total provisions could be as high as $13bn or as low as $8bn, the bank reckons.For the half-year, HSBC’s reported revenues dropped by 8.9% year-on-year to $26.7bn. Reported profit before tax crashed by two-thirds (65.2%) to $4.3bn. Worse still, earnings per share at HSBC collapsed by three-quarters (76.2%) to just $0.10 (from $0.42). Ouch.Hence, the FTSE 100 firm will accelerate its cost-cutting programme, including bringing forward the 35,000 job cuts already flagged up.This FTSE 100 share is cheapToday, HSBC shares dropped another 5% to 326p, their lowest since the darkest days of 2009. Before the global financial crisis, the FTSE 100 bank’s share price last plumbed these depths in 1996 – almost a quarter-century ago. As I said, they’ve fallen sharply in just a year and for the record, they’re actually down 49.6% over the past 12 months. So HSBC’s market value has halved, blowing up £70bn of shareholders’ capital in a year.As a value investor, you have to ‘buy boldly when there is blood in the streets’. Things look bleak for this FTSE 100 share today, but it will bounce back. That’s why I would grit my teeth and fill my boots with HSBC shares today! See all posts by Cliff D’Arcy Our 6 ‘Best Buys Now’ Shares 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. 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TOP TIPUse two wheels instead of two legs to look around Saga. Find out more about the various places you can rent a bike via the link below. saga-tripgenius.comWORLD CUP VISITSaga isn’t hosting any games but you can fit a visit around the matches taking place on Kyushu island in Fukuoka, Oita and Kumamoto.Related: Rugby World Cup venuesGETTING THEREGoing by bus, Saga is 35 minutes from Kyushu Saga International Airport and 75 minutes from Fukuoka Airport.Hot air: The International Balloon FiestaDID YOU KNOW? Every year Saga hosts the International Balloon Fiesta in late October/early November, with hot-air ballooning teams from all over the world taking part. Make new discoveries pottering about in north-west Kyushu LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Advertising FeatureRugby World Cup 2019 Travel Guide: SagaSEEHead to the Tara Region to take in the unique sight of the Kaichu Torii Shrine in the Ariake Sea. The three red ‘gates’ are built into the beach and so different tides present different views.In Kashima, you will find one of Japan’s most famous shrines: Yutoku Inari Shrine. It delivers great views too, as it’s on a hill.DOWith Saga known for its ceramics, head to the Imari area to discover a distinct range of pottery. At Pottery Studio Rokuroza you can create a unique souvenir – get your hands dirty to make your own dish on the pottery wheel and then paint it.If you enjoy foraging for goods, you can do a ‘treasure hunt’ at the Kouraku Kiln in Arita. For around £35, you get a tour and can then rummage through 150 years’ worth of ceramics, taking home as many as you can fit in your basket in 90 minutes. Be sure to book as they allow only ten people to do it each day.EATThere are a plethora of local delicacies to try. For meat lovers, tuck into the highly-rated Saga Wagyu beef. If you enjoy seafood, visit Yobuko for squid – raw squid sashimi and dried squid are the most well-known styles there – and in Tara try Takezaki crab. Head to Hizenhama to sample different sakes for free at the long-running breweries there.Tasty: Saga beefTOURIST WEBSITE Gates to see: Kaichu Torii Shrine TAGS: Japan
Please enter your comment! TAGS2016 Apopka Mayor’s Prayer BreakfastNational Day of PrayerSammie Smith Previous articleEscapology ReviewNext articleGas Company pushes back on Mayor Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your name here Florida gas prices jump 12 cents; most expensive since 2014 Share on Facebook Tweet on Twitter Gov. DeSantis says new moment-of-silence law in public schools protects religious freedom Save my name, email, and website in this browser for the next time I comment. UF/IFAS in Apopka will temporarily house District staff; saves almost $400,000 You have entered an incorrect email address! Please enter your email address here Sammie SmithThe Apopka Christian Ministerial Alliance confirmed that Sammie Smith will be the Guest Speaker at the 2016 Apopka Mayor’s Prayer Breakfast. It was also announced that the event would again be at The Apopka Community Center VFW Post 10147 at 519 South Central Avenue on May 5th. The event is scheduled to begin at 6:15am.Tickets are $25 per person or $300 for a table of eight.Smith, who grew up in Apopka and currently lives in Mount Dora, played football for Apopka High School, Florida State University (FSU), the Miami Dolphins and Denver Broncos. In 2013, he was inducted into the FSU Hall of Fame as one of the greatest running backs in the school’s history.He is currently the Lake County area representative for Fellowship of Christian Athletes, and owner of Kingdom Impact Sports in Mount Dora. The Prayer Breakfast is in conjunction with the 2016 National Day of Prayer. LEAVE A REPLY Cancel reply
Manufacturers: Lamptitude, Hi-Ceramics, SK Kaken ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/956117/o-tree-house-junsekino-architect-and-design Clipboard NEXT Steps Design & Consultants Junsekino Interior Design O-Tree House / Junsekino Architect and Design Interior Designer: O-Tree House / Junsekino Architect and DesignSave this projectSaveO-Tree House / Junsekino Architect and Design Architect:Junsekino Architect and DesignCountry:ThailandMore SpecsLess SpecsSave this picture!© Spaceshift StudioRecommended ProductsBulbs / Spots / Wall LightsiGuzziniLight Effects – TrickFiber Cements / CementsULMA Architectural SolutionsPaper Facade Panel in Leioa School RestorationDoorsAir-LuxPivoting DoorEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsText description provided by the architects. O-tree house is a 670 sq.m. 1-storey house for the extended family located in Samut Prakan, the central province near the Gulf of Thailand. This area used to be vacant with the large rain tree and surrounded by other residential buildings. To maintain the existing rain tree, the architect used ‘seats under a Rain tree’ as a design concept and designed a 1-storey building around the tree and utilize the tree shade to cool down the domestic space.Save this picture!© Spaceshift StudioSave this picture!Layout PlanSave this picture!© Spaceshift StudioThe zoning of the house is divided into multiple living units, connected by court and terrace with an individual skylight on each unit. This works as a sundial for each house which will create a variation light and shadow effect throughout day as well as illuminate the interior space. The isolation of the units provides each resident more privacy without deprive of any connectivity among the family members.Save this picture!© Spaceshift StudioAs these units are surrounded by garden and landscape, utilizing large glass window allow the resident to be able to enjoy the outside nature as well as preserve the visual contact between each family member from a difference space. In addition, to removing the vertical elements from the elevation for a better visual perception to the exterior, the architect decided to set the column within the interior space. Moreover, the use of material like glass and steel membrane as a construction material also reduce the density of the whole architecture.Save this picture!© Spaceshift StudioSave this picture!Section A – House 02Save this picture!© Spaceshift StudioThe result of dividing the architecture into parts is the fine and clear space without any column and beam obstructed the perspective through the outside. There are two main voids for each unit which are openly facing the main court and the outer layer landscape, obliging the surrounding nature to become part of the interior space.Save this picture!© Spaceshift StudioProject gallerySee allShow lessTam Đảo Villa / Tropical SpaceSelected ProjectsReborn House / Alhumaidhi ArchitectsSelected Projects Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/956117/o-tree-house-junsekino-architect-and-design Clipboard “COPY” Photographs: Spaceshift Studio Manufacturers Brands with products used in this architecture project Thailand Year: 2019 CopyHouses•Thailand Landscape: Architects: Junsekino Architect and Design Area Area of this architecture project Projects “COPY” Area: 670 m² Year Completion year of this architecture project Photographs Kaizentopia Structural Engineer: ArchDaily Save this picture!© Spaceshift Studio+ 26Curated by Hana Abdel Share Houses CopyAbout this officeJunsekino Architect and DesignOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesBangkokOn FacebookThailandPublished on February 02, 2021Cite: “O-Tree House / Junsekino Architect and Design” 01 Feb 2021. ArchDaily. Accessed 10 Jun 2021.
By Ashley Davenport – Sep 24, 2020 Wheat’s Inclusion in CFAP 2 ‘A Sigh of Relief’ For NAWG President When the USDA unveiled its original iteration of the Coronavirus Food Assistance Program (CFAP), it only included two classes of wheat: durum and hard red spring. With CFAP 2, all classes of wheat are now eligible.“It’s a sigh of relief,” said Dave Milligan, president of the National Association of Wheat Growers (NAWG). “There was a lot of frustration when the first round came out—it was only about 30 percent of the acres that got covered. You had to have a 5 percent price drop in a certain time frame. The other four classes that missed that trigger point.”NAWG had to prove their case to USDA to include hard red spring, soft red winter, and hard and soft white.“We put a lot of effort into writing a lot of information to USDA,” said Milligan. “We wrote letters, and there were two letters—one from the Senate and one from the House of Representatives—with a lot of signatures, and I think that really helped get their attention.”Milligan said that with prices seeing a rebound and more favorable weather conditions, he expects more wheat acres next year. Facebook Twitter Home Indiana Agriculture News Wheat’s Inclusion in CFAP 2 ‘A Sigh of Relief’ For NAWG President Facebook Twitter SHARE SHARE Previous articleFarm Bureau Launches Think F.A.S.T. (Farm & Ag Safety Training) for YouthNext articleDrop in Hoosier Farm Fatality Rate Doesn’t Eliminate the Frustration of These Events Ashley Davenport
November 6, 2012 – Updated on January 20, 2016 Suspect arrested in murder of journalist Ibrahim Foday Organisation Receive email alerts News The 2020 pandemic has challenged press freedom in Africa Reporters Without Borders notes that Tunde Williams, the main suspect in the murder of Ibrahim Foday, a reporter for the daily The Exclusive stabbed to death in June 2011, was arrested on 3 November.Foday, 38, had been covering a land dispute between two communities on the outskirts of the capital, Freetown. Three people were arrested at the time but were quickly released. “The perseverance of the police authorities in this investigation is most encouraging,” the press freedom organization said. “We hope that it will run its course and lead to the punishment of those who carried out the crime and those behind it. Such an outcome would demonstrate that the Sierra Leone authorities do not allow violations of freedom of information to go unpunished.” The Sierra Leone Association of Journalists has nonetheless requested a fuller investigation into the role of others suspected to be implicated in Foday’s murder.—–15.06.2012 – Three suspects arrested in journalist’s murder, police urged to produce hard evidenceThe Freetown police announced yesterday that they have arrested three suspects in the murder of Ibrahim Foday, a reporter for the daily The Exclusive, who was fatally stabbed during clashes on 12 June between residents of Grafton and Kossoh Town, two communities on the outskirts of the capital. Foday had been covering a land dispute between the two communities.“We are deeply shocked by this appalling crime and we join the Sierra Leone Association of Journalists in calling on the authorities to carry out a full investigation,” Reporters Without Borders secretary-general Jean-François Julliard. “The ability of the police to arrest those responsible and the ability of the courts to convict them hold the key to preventing any recurrence of deadly violence against a journalist, which is fortunately rare in Sierra Leone. The investigation must produce hard evidence.”Witnesses said Foday, 37, was stabbed several times in the back and chest and died while being taken to hospital. This was confirmed by the autopsy.The last journalist to be murdered in Sierra Leone was Harry Yansaneh of the independent newspaper For Di People in 2005. He died on 28 July 2005, three months after a severe beating by thugs in the pay of Fatmata Hassan Lomeh, then a parliamentary representative of the Sierra Leone Peoples Party. His murderers are still at large.Sierra Leone is ranked 91st out of 178 countries in the latest Reporters Without Borders press freedom index.Photo : Ibrahim Foday Reports RSF_en Sierra LeoneAfrica Sierra LeoneAfrica Follow the news on Sierra Leone Coronavirus infects press freedom in Africa March 29, 2020 Find out more to go further Help by sharing this information Covid-19 in Africa: RSF joins a coalition of civil society organizations to demand the release of imprisoned journalists on the continent April 6, 2020 Find out more News November 27, 2020 Find out more News
Landgraf’s effort to slash STAAR Test passes in Texas House Twitter By Odessa American – May 7, 2021 WhatsApp Previous articleECISD Elementary School Teacher of the YearNext articleNew executive AD raring to go Odessa American Pinterest Facebook Facebook AUSTIN Legislation joint authored by State Rep. Brooks Landgraf (R-Odessa) to reduce STAAR testing passed out of the Texas House by a vote of 136-6 on Friday, a press release detailed.“House Bill 764 ensures Texas students are tested only as required by federal law, instead of the State of Texas imposing additional standardized tests on our students, parents and teachers,” Landgraf stated in the press release. “The bill eliminates any statewide test that is not federally required and eliminates end-of-course exams for high school students.”HB 764 eliminates the social studies test for eighth graders as well as the writing tests for fourth and seventh graders, the press release detailed. End-of-course exams for high schoolers are also eliminated and replaced with a process to allow for high school students to be able to take the SAT or ACT or another norm-referenced secondary-level test in order to satisfy the federal assessment requirements.The bill also reportedly stipulates that if federal testing requirements are reduced that Texas will immediately follow suit to reduce state testing accordingly.“I hear more concerns about the STAAR test than just about anything else. These complaints come from students, parents, teachers, administrators and taxpayers. HB 764 is a direct response to those complaints,” Landgraf stated in the press release. “We still have a lot of work to do to fix this problem, but the passage HB 764 clearly demonstrates that the members of the Texas House are listening to the voices of their constituents,” Landgraf concluded.HB 764 now heads to the Texas Senate for consideration, the press release detailed. If passed by the Senate before the end of May, the bill will be sent to Governor Greg Abbott’s desk to be signed into law. Twitter Local News WhatsApp Pinterest
in Daily Dose, Featured, Government, News Print This Post Tagged with: Federal Reserve House Financial Services Committee Treasury Department Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles July 1, 2020 1,159 Views Previous: Could COVID-19 Impact How Housing is Perceived? Next: Assisting Homeowners Coming Out of Forbearance Subscribe Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Federal Reserve House Financial Services Committee Treasury Department 2020-07-01 Mike Albanese The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Fed Chair Discusses Administering Additional Stress Tests During a hearing Tuesday, several members of the House Committee on Financial Services commended the Treasury and the Federal Reserve’s response to the COVID-19 pandemic as they discussed next steps in response to the pandemic’s economic impact, including additional aid and further stress testing of financial institutions.Federal Reserve Chairman Jerome Powell and Treasury Secretary Steven Mnuchin testified before the committee, discussing their separate and joint actions during the pandemic and future steps in economic aid.Mnuchin was optimistic about the state of the economy moving forward, while Powell portrayed the future of the economy as “extraordinarily uncertain,” noting that it “will depend in large part on our success in containing the virus” as well as on the “policy actions taken at all levels of government to provide relief to support the recovery for as long as needed.”“While recent economic data offer some positive signs, we are keeping in mind that more than 20 million Americans have lost their jobs, and that the pain has not been evenly spread,” Powell said, noting that women, African Americans, and Hispanics have been disproportionately impacted.Mnuchin said the economy is “in a strong position to recovery.” He focused on recent positive signs for the economy, especially the May employment report, which included a gain of 2.5 million jobs.“While the unemployment rate is still historically high, we are seeing additional signs that conditions will improve significantly in the third and fourth quarters this year,” Mnuchin said.He highlighted the positive impact of the Paycheck Protection Program.Mnuchin said he believes any additional aid should be earmarked for the businesses and industries hardest hit by the crisis, including restaurants, with a focus on “jobs and putting all American workers who lost their jobs, through no fault of their own, back to work.”“We will be beginning to have conversations about supplemental relief legislation. We look forward to working with Congress on a bipartisan basis in July on any further legislation that may be necessary,” Mnuchin said.Powell spoke on the issue of stress testing at financial institutions saying that the pandemic materialized during the stress tests. As such, the Fed added three new scenarios to its tests. The 33 institutions tested all proved adequately capitalized.Powell said the Fed would be asking banks to submit more information with another round of potential stress scenarios as the impacts of the pandemic continue to unfold.When asked why the Fed is requiring additional stress testing and “why lock up additional capital now,” Powell responded, “We’re not looking to raise capital standards during a crisis. That’s not what’s going on here.”Also, during the hearing, Powell highlighted the Federal Reserve’s actions to stabilize markets during the pandemic. When the markets for Treasury securities and mortgage-backed securities began to “experience strains” in mid-March, the Fed purchased Treasury securities and agency MBS.With markets more stable, the Fed began to ease their purchases, but Powell said the Fed “will increase our holdings of Treasury securities and agency MBS over the coming months at least at the current pace” while continuing to monitor markets. Krista Franks Brock is a professional writer and editor who has covered the mortgage banking and default servicing sectors since 2011. Previously, she served as managing editor of DS News and Southern Distinction, a regional lifestyle publication. Her work has appeared in a variety of print and online publications, including Consumers Digest, Dallas Style and Design, DS News and DSNews.com, MReport and theMReport.com. She holds degrees in journalism and art from the University of Georgia. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Krista F. Brock Demand Propels Home Prices Upward 2 days ago Share Save Sign up for DS News Daily Home / Daily Dose / Fed Chair Discusses Administering Additional Stress Tests