Unity Bank Plc (UNITYB.ng) listed on the Nigerian Stock Exchange under the Banking sector has released it’s 2019 interim results for the half year.For more information about Unity Bank Plc (UNITYB.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Unity Bank Plc (UNITYB.ng) company page on AfricanFinancials.Document: Unity Bank Plc (UNITYB.ng) 2019 interim results for the half year.Company ProfileUnity Bank Plc is a financial services institution in Nigeria offering banking products and services for the retail, commercial and corporate sectors. The company provides a full-service offering ranging from transactional accounts, deposit accounts and overdrafts to trade finance, treasury services, acceptance and guarantee commercial papers, money market services and international banking services. Unity Bank Plc provides foreign operations which includes home remittance services, mortgages, letters of credit, third party transfer services, invisible transactions, bills for collections and domiciliary transfers. The company supports the agricultural sector through agric products and schemes which includes Unity farmer’s cooperatives finance and leasing, Unity industrial input scheme and general agro-allied farmer’s schemes. Founded in 1987, Unity Bank Plc now operates through an extensive network of some 240 branches in 36 states in Nigeria and the Federal Capital Territory. Its head office is in Lagos, Nigeria. Unity Bank Plc is listed on the Nigerian Stock Exchange
TAGSApopka Police DepartmentChief Michael McKinleyCoffee With a Cop Previous articleThe Resolution of IndependenceNext article4th of July Fireworks and Music in Apopka Dale Fenwick RELATED ARTICLESMORE FROM AUTHOR Please enter your comment! You have entered an incorrect email address! Please enter your email address here Please enter your name here Apopka’s next Coffee With a Cop event will be this Saturday at the Main Street McDonald’s in Apopka from 8:30 – 10:00 AM. Chief Michael McKinley, the Apopka Police Department and McDonald’s will again be the hosts.McDonald’s and the Apopka Police Department have held two previous Coffee With a Cop events this year. One in January and the second in April. McKinley considered both events successes.“I am extremely pleased with the community’s turnout for the Coffee with a Cop events,” he said. “These are great opportunities for the public to meet Apopka Police officers in a social and casual environment. I have received a lot of positive feedback from not only the public, but members of the department.”Coffee With a Cop is a nationwide initiative by police departments to get to know the public in a more neutral and less adversarial setting. In Apopka, that neutral non-adversarial setting is McDonald’s. McKinley sees these events as a chance to listen to the community.“We plan on continuing this event every couple of months and look forward to the community’s participation. We understand policing is not possible without input and involvement from the citizens. I want to take advantage of every opportunity for members of the public to build a positive relationship with members of the department. We can’t do this job without them. We live in this community, too; the citizens’ concerns are our concerns.I invite all members of the community to stop by to meet with us on Saturday to have a cup of coffee, talk about those issues affecting our community, and get to know us by first name.” Support conservation and fish with NEW Florida specialty license plate Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 LEAVE A REPLY Cancel reply Share on Facebook Tweet on Twitter The Anatomy of Fear Save my name, email, and website in this browser for the next time I comment.
Photographs: Rafael Gamo Manufacturers Brands with products used in this architecture project CopyAbout this officeOffice of ArchitectureOfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesUnited StatesPublished on April 14, 2017Cite: “Watermill House / Office of Architecture” 14 Apr 2017. ArchDaily. Accessed 11 Jun 2021.
JustGiving co-founder and chief executive Zarine Kharas has been recognised in the Queen’s birthday honours list for her contribution to business and charity in the United Kingdom.She has been made a Dame Commander of the Order of the British Empire for services to business and charity.She co-founded the online giving platform in 2001 with Anne-Marie Huby with the aim of making charitable giving easier and more effective through the power of digital technology.Since 2001 the site has been used to raise and donate over £2 billion for good causes.On hearing of the award, Zarine Kharas, said:“In 2001, Anne-Marie and I set out to build a sustainable business that was mission led and had social values at its core. JustGiving has been investing and innovating on behalf of good causes ever since and we’re both enormously proud of its achievements in connecting people to the causes they care about. None of it would have been possible without the trust of our charity partners, the 24 million people who have given through JustGiving over the years and the hard work of our 170-strong team.”Richard Taylor, executive director of fundraising and marketing at Cancer Research UK, thanked Kharas for all she had helped his and charity and others to achieve. He said: Advertisement 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. JustGiving CEO Zarine Kharas recognised with Queen’s birthday honour AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis2 Howard Lake | 12 June 2015 | News “JustGiving was a pioneer of online fundraising that transformed the way people give to charitable causes in this country and has raised a huge amount of money for important causes, including ours. Thanks to Zarine and Anne-Marie’s vision and leadership and continued investment in world-class technology, charities of all sizes can simply use JustGiving and keep their focus on raising more money, and the entire sector is stronger for it.”In 2009 Zarine Kharas was awarded the RSA’s Albert Medal for “democratising fundraising and technology for charities.” Previous recipients have included Sir Tim Berners-Lee and Professor Stephen Hawking.A Cambridge University graduate in law, she worked for City solicitors Lawrence Graham and Linklaters & Paines, where she specialised in corporate and financial law; and then Credit Suisse First Boston; MC Securities and Simmons & Simmons. 203 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis2 Tagged with: Awards Digital Justgiving Recruitment / people
Pop Off Episode 3: Mat Talk Linkedin printJosie and Katelyn talk about popular fad diets and discuss Sunday night’s Oscar highlights. Katelyn Maeshttps://www.tcu360.com/author/katelyn-maes/ Facebook The Pop Off Podcast. Fort Worth’s first community fridge program helps serve vulnerable neighborhoods 2021 NFL Mock Draft (Part 1) Special ReddIt Linkedin + posts Katelyn Maeshttps://www.tcu360.com/author/katelyn-maes/ Pop Off Podcast Episode 1: When Harry met Meghan Twitter Twitter ReddIt Previous articleThe Leap 2/11/20Next articleSGA votes to hold referendum to eliminate House seats for Honors College Katelyn Maes RELATED ARTICLESMORE FROM AUTHOR Katelyn Maes Facebook 2020/21 NFL Exit Interviews – NFC West
Servicers Navigate the Post-Pandemic World 2 days ago Share Save Demand Propels Home Prices Upward 2 days ago Print This Post Related Articles Questions around the possibility of a cyclical recession have been looming large over many economic sectors in recent months, including the U.S. mortgage market. On Friday of last week, that possibility loomed even larger as the three-month and the 10-year Treasury yields inverted for the first time since mid-2007.The Significance of a Yield Curve InversionWith the inversion coming on the heels of the Federal Reserve’s announcement that it was not planning further interest rate hikes this year. Combined with other concerns that an economic slowdown may be on the horizon, the inverted yield curve sent stocks plummeting, with Diane Swonk, Chief Economist at Grant Thornton, telling PBS News Hour that the inversion was “the straw that broke the camel’s back” for many investors.”Historically, an inverted yield curve is a significant sign that points to the development of an economic slowdown in the near to medium term,” said Five Star Global President & CEO Ed Delgado. “This latest development is another in a series of economic markers that support the possibility of a future recessionary cycle.”Ted Bauman, Senior Research Analyst and Economist at Banyan Hill Publishing, told DS News, “For forecasters, inverting yield curves have about the same significance as voodoo-cursed totems for followers of that religion. That’s because they have preceded the last seven official U.S. recessions. They are, therefore, not to be taken lightly.”Speaking of how the inverted yield curve will bring talk of a recession to the forefront, Tendayi Kapfidze, Chief Economist at LendingTree, said, “What’s often not discussed is the mechanism by which an inverted yield curve can lead to a contraction in the economy. By having longer-term debt return less than short-term debt, an inverted yield curve makes lending less profitable for banks as they borrow short-term and lend long-term. As lending becomes less profitable, banks tighten their standards and extend less credit. This leads to less leverage in the economy, which results in less spending and investment thus less growth.” Kapfidze pointed out that “the banks (and other lenders) are the transmission mechanism for the inverted yield curve to the broader economy, and that’s why the bank stocks were the first to react to the inverted yield curve. Thus, the yield curve is a recession indicator, though it does so with a significant lag of 18-24 months and needs to stay inverted for some time, say at least a quarter, to give a high confidence signal.”Speaking of the Fed, Bauman said, “In the current scenario, bond markets are also acutely aware of the fact that the Federal Reserve has ‘chickened out’ of its intention to liquidate its holdings of securities left over from the 2008-2009 financial crisis. By buying up long-term T-bills to push down interest rates, and absorbing near worthless collateralized debt obligations (CDOs), the Fed effectively ‘loaned’ financial markets $2.5 trillion during that period.” Bauman indicated that the enormous amount of liquidity has been the prime driver of the rise in U.S. stock valuations, which have reached unsustainable levels, since that time. The yield curve assumes great significance, Bauman noted “because it is based on demand and supply in the one market that most closely approximates the textbook model of demand and supply—long-term treasury bills. Whereas short-term interest rates are set by the Federal Reserve, rates (yields) for the 10 year T-bill are set in the bond market. Bond traders are able to incorporate information almost instantly and use that to adjust their bids.” According to Bauman, it is this interaction between the future demand for money and the excess supply of available money left over from the period of “quantitative easing” that is behind the inverted yield curve today.“If the stock market suffers a major correction as a result, they can thank the Federal Reserve,” he added.“Last week’s partial yield curve inversion following a ‘dovish surprise’ from the Federal Reserve is bearish for the stock market and that means investors should ‘remain defensively positioned,’” Michael Wilson, Morgan Stanley’s U.S Equity Strategist, told CNBC.Impact on the Mortgage and Housing MarketsAccording to a Gallup Poll, about 39 percent of Americans think the economy is slowing down, while 17 percent think we’re already in a recession or depression.Commenting on the impact of a yielding curve on the mortgage market, Bauman told DS News that the results are uncertain as of now. “On one hand, falling long-term interest rates are a major driver of falling mortgage rates. The average rate for a 30-year fixed rate mortgage has fallen from 4.4 percent on March 19 to 4.11 percent today. That’s a 6.6 percent drop in the rate in less than a week. If rates maintain that downward momentum, we can expect to see an uptick in mortgage applications.”On the other hand, falling rates, Bauman indicated, “must be assessed against potential recessionary conditions. If lenders perceive the likelihood of a recession—which is what the inverted yield curve is said to predict—lending standards may tighten, countering the effect of falling mortgage rates.” “I, therefore, expect to see a short-term boost to the housing market, but whether this lasts depends on whether fears of an economic slowdown materialize,” Bauman added.Kapfidze said, “In terms of housing, lower interest rates should be beneficial, but the tightening of standards we mention ed above works against this. So the outlook is quite unclear. In the near term housing will get a boost, but if the yield curve remains inverted and the recession narrative takes hold, home sales will likely weaken.”As reported in DS News last month, a Realtor.com article suggested that though some believe we will see a recession soon, the financial factors that helped instigate last decade’s crash are very different in the current scenario. “We’re at a record-low level of unemployment. The economy can’t stay here,” Hale said. She forecasts a recession beginning within the next two years. “This one will be mild,” Hale added, stating that lower long-term rates “could portend a recession,” but also “tend to mean lower mortgage rates which help boost buying power for homebuyers. Given the dearth of construction in this recovery, housing is likely to fare reasonably well during the next recession.””We’re just scared because of what happened last time. And that’s not what’s going to happen again,” said Lisa Sturtevant, a housing consultant and Chief Economist at Virginia Realtors, the state’s real estate association. Addressing home prices in the wake of a possible recession, economists say prices aren’t expected to plummet, although they may dip in more expensive markets. Overall, price appreciation will likely just continue to slow. A cause of worry, however, in the wake of a recession is the shortage of housing. The pace of single-family home construction growth has recorded a decline from 9 percent in 2017 to about 3 percent in 2018. This is projected to decline further by 2 percent in 2019. Rent price growth is likely to slow with the exception of the luxury market, where landlords will have the most trouble finding tenants.Making its case as to why this time won’t be another 2008, an NPR article published in early January this year, stated that in 2008, recession not only caused complete chaos in the housing market but was directly caused by chaos in the housing market. This may have promoted the view that recessions and housing collapses are synonymous. The article also pointed out that “it was a unique case, and today’s housing market in many ways is the complete inverse of the housing market in the run-up to 2008.” The Week Ahead: Nearing the Forbearance Exit 2 days ago Housing Market Inverted Yield Curve Recession 2019-03-25 Donna Joseph Previous: OCC Shines Light on Outstanding Mortgage Debt Next: Where Young Millennials Are Buying Homes The Best Markets For Residential Property Investors 2 days ago The Inverted Yield Curve—A Recessionary Red Flag? in Daily Dose, Featured, Market Studies, News Tagged with: Housing Market Inverted Yield Curve Recession Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribe About Author: Donna Joseph Donna Joseph is a Dallas-based writer who covers technology, HR best practices, and a mix of lifestyle topics. She is a seasoned PR professional with an extensive background in content creation and corporate communications. Joseph holds a B.A. in Sociology and M.A. in Mass Communication, both from the University of Bangalore, India. She is currently working on two books, both dealing with women-centric issues prevalent in oppressive as well as progressive societies. She can be reached at [email protected] Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago March 25, 2019 3,335 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Home / Daily Dose / The Inverted Yield Curve—A Recessionary Red Flag?
News UpdatesDelhi HC Issues Notice in Plea Challenging The Decision Of DU’s Law Faculty To Hold Exams For Students Already Promoted To Next Semester Karan Tripathi16 Sep 2020 12:21 AMShare This – xDelhi High Court has issued notice in a plea moved by students of Faculty of Law, Delhi University, challenging the decision of holding exams for students who have already been promoted to the next semester. The Single Bench of Justice Jayant Nath has issued notices to the Faculty of Law, University Grants Commission, Bar Council of India, and the Delhi University. Filed by some of…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginDelhi High Court has issued notice in a plea moved by students of Faculty of Law, Delhi University, challenging the decision of holding exams for students who have already been promoted to the next semester. The Single Bench of Justice Jayant Nath has issued notices to the Faculty of Law, University Grants Commission, Bar Council of India, and the Delhi University. Filed by some of the students of the Law Faculty, the petition challenges the notification issued on August 25 by the Faculty of Law, Delhi University, wherein it is confirmed that exams will be held for the present students of the University upon the reopening of the college. It is argued by the Petitioners that the present notification is contrary to the guidelines and notifications issued by the UGC and the Delhi University. As per the Petitioners, UGC and DU guidelines clearly state that the intermediate semester students for all the Undergraduate (UG) and Postgraduate (PG) courses will be evaluated on the basis of internal assessments and previous performance. The petition states: ‘The unilateral and arbitrary implementation of the impugned notifications causes undue hardships to the students. It is unjust, unfair, discriminatory and prejudicial to the interests of the concerned students as the implementation of the said notifications puts an obligation on the intermediate semester students to appear for multiple exams, on the reopening of college, inflicting undue pressure on them in these challenging times.’ It is also argued by the Petitioners that this decision has increased the workload of students manifold. The Petitioners have contended that it is virtually impossible to gauge the time and date by when the colleges will reopen. This in turn, increases the probability for the students to be faced with 10-20 exams, increasing their chances of failing given the stringent marking scheme adopted by the Faculty of Law. While contending that this decision creates a huge disparity between the intermediate and terminal semester students, the Petitioners argue that it is highly unequal for the said students of Faculty of Law to appear for previous semester examinations when the similarly placed students belonging to other UG and PG have been exempted from such examinations. The Petitioners in this case are being represented by Mr Shrey Sharma. Next Story
View post tag: HMS Enterprise Back to overview,Home naval-today HMS Echo, HMS Enterprise Meet in the Mediterranean View post tag: Navy Authorities View post tag: Naval View post tag: Mediterranean The Plymouth-based ships have both had a busy few months – with HMS Echo spearheading the UK’s contribution to the search for the missing Malaysia flight MH370 while Enterprise evacuated 200 UK citizens from Tripoli several weeks previously.The pair met up as HMS Echo passed through the Suez Canal to begin the final leg of her 18 month deployment which, as well as assisting with the high profile disappearance, has included surveying the Gulf and Indian ocean.As part of the Operation Dragoon anniversary, the three Royal Navy vessels will join more than 20 ships and aircraft from a host of nations to support the event along with a French Navy Fleet Review on August 15.HMS Enterprise deployed earlier in the summer to continue with the survey work East of Suez but was retasked with evacuating British personnel from Libya, which has become increasingly unstable.She sailed twice to Tripoli and back to Valetta in Malta carrying just over 200 passengers – many of which were children – so that they could fly on from the Mediterranean island. HMS Enterprise will now take up her former tasking.[mappress]Press Release, August 14, 2014; Image: UK Navy View post tag: europe Share this article HMS Echo, HMS Enterprise Meet in the Mediterranean View post tag: News by topic View post tag: meet August 14, 2014 View post tag: HMS Echo Sister survey ships HMS Echo and HMS Enterprise have held a brief rendezvous in the Mediterranean to allow for a transfer of stores before going their opposite ways.
IL for www.theindianalawyer.comA consultant hired by the state says Indiana has more than double the number of children in out-of-home care compared to the national average.The consultant, Child Welfare Policy, and Practice Group, was hired by Gov. Eric Holcomb to review the Department of Child Services after the resignation of former agency head Mary Beth Bonaventura. In her resignation letter in December, she accused Holcomb’s administration of service cuts that “all but ensure children will die.”The contract Holcomb’s office signed with Child Welfare Policy and Practice Group runs from Jan. 2-June 21, 2018. Cost of the work will be capped at $146,630.In a six-page initial progress report, the consultant sketched its plan for reviewing DCS. The work will include interviewing stakeholders such as children and families, foster parents, judges, law enforcement and caseworkers; examining outcomes and internal management data to assess how children are being served; and reviewing policies and case files.Also, the consultant will shadow family case managers and supervisors in Allen, Clark, Lake, Marion, and Vanderburgh counties.The consultant has begun interviewing personnel at DCS, including the incoming director, Terry Stigdon. Thus far the consultant has little to report, although officials said Thursday they found the state needs a better system for tracking cases of child abuse and neglect.The number of children placed in foster care because their drug-addict parents can’t care for them has surged across the country. But the problem is particularly acute in a handful of states including Indiana.FacebookTwitterCopy LinkEmail
By Abdul Hakim-ShabazzIndyPoltics.Org It’s official, the May primary election season is here and in full swing. And, unfortunately, you are about to be inundated with television ads, campaign mailers and phone calls to convince you that you must vote for one candidate in order to save the republic or you must vote against another candidate in order to save the republic. I feel your pain.So, with that basic premise, I’ve decided to scribble down a few “rules” things that candidates should try to follow. With a little bit of luck, it will make their lives a lot easier and spare them some embarrassing moments, but more importantly, it will make the voters’ lives easier and spare them the grief of having to watch those embarrassing moments.Drum roll, please.Don’t tell me how you oppose the Trump agenda. Because to be honest, I think some of you are so blinded by your hatred of Donald Trump that he could propose universal health care, free college tuition and birth control, massive regulations and raise taxes on the wealthy, and you would still oppose him because his name was Trump.Don’t tell me how you support the Trump agenda. Because to be frank, I don’t think many of you fully understand it. If you did, you wouldn’t support tariffs that at the end of the day end up hurting Indiana pork and soybean producers because the Chinese will retaliate and impose their own tariffs on American products.Don’t tell me about your religion. I can respect you being a person of faith, but what does that have to do whether cutting taxes will help create jobs in a universe of 3.5 percent unemployment?When you say you’re “pro-family,” what exactly does that mean? Families come in all shapes, sizes, and colors, so do you have a preference? And to be honest, I always thought the best pro-family policies were the ones that let families keep their own money and make their own decisions (including whether to create a family) with as little government intervention as possible.I really don’t care that your family has been here since Indiana was part of the Northwest Territory if anything that means you never left. And if you’ve never left, you have no idea what life is like in outside world which frightens me even more.Don’t tell me we need to “cut the fat” and end “wasteful spending.” Give me details, particularly cuts that will impact your constituents. It’s easy to point out everyone else’s wasteful spending, but what pet projects are in your district are willing to go without?I know the other candidate is bad. Now, tell me why you’re good. Yes, the other guy is a RINO (Republican in name only) or DINO (Democrat in name only) and he doesn’t represent true conservative/progressive values. We’ve established that. Now, let’s talk about you.Don’t insult my intelligence. I am willing to bet money I’m a lot smarter than you, and if you don’t believe me, let’s sit down for a one-on-one interview so I can clearly demonstrate it to you.Stay in your lane. If you’re running for township trustee, talk to me about how you plan to stop wasting my money doing a job at an unnecessary level of government. Don’t tell me how you support building a border wall 2,000 miles away from your township boundary lines.Act like an adult and don’t talk to the voters like they are children. They are a lot smarter than you think they are. They usually don’t have a lot to pick from on the ballot.There are a lot of other things I could add – don’t blame the media for your screw-ups, don’t try to say you’re an outsider even though you’ve been on the government dole since the late 1990s. And if the government is such a horrible, evil thing, don’t go on ad nauseum telling me why you want the job.But I decided to limit it only to 10 items. I could have included a lot more. Unfortunately, there is not that much space in the cloud for all the rules I would need to write to bring some sense of sanity to the insanity that is coming this primary season.FOOTNOTE: Abdul is an attorney and the editor and publisher of IndyPoltics.Org. He is also a frequent contributor to numerous Indiana media outlets. He can be reached at [email protected] FacebookTwitterCopy LinkEmail