Read more: End of the Saga – chief executive Batchelor to retire next year Wednesday 19 June 2019 9:59 am whatsapp Saga shares plunge on warning of fresh travel struggles Ahead of its annual meeting later today, Saga warned of fresh travel struggles due to a competitive market and political uncertainties. Saga said it was making progress with the strategy and that trading from 1 February to 18 June had been in line with expectations. AJ Bell investment director Russ Mould said: “Saga is having a hard job digging itself out of a massive hole. Share Shares plunged close to 11 per cent after the trading update, which came just hours before the company’s AGM later today. The strategy included changing its approach to insurance and renewal pricing and launching a new home and motor cover product. “Against challenging headwinds in both travel and insurance, we see early signs of progressing in stabilising our retail broking business and forward bookings for the cruise business have been resilient.” Callum Keown Read more: Saga shares plummet after 36 per cent after it announces £310m writedown and slashes dividend by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May Likebonvoyaged.comThese Celebs Are Complete Jerks In Real Life.bonvoyaged.comPast Factory4 Sisters Take The Same Picture For 40 Years. Don’t Cry When You See The Last One!Past FactoryZen HeraldEllen Got A Little Too Personal With Blake Shelton, So He Said ThisZen HeraldFilm OracleThey Drained Niagara Falls – Their Gruesome Find Will Keep You Up All NightFilm OracleDefinitionMost Embarrassing Mistakes Ever Made In HistoryDefinitionMisterStoryWoman files for divorce after seeing this photoMisterStoryDaily Funny40 Brilliant Life Hacks Nobody Told You AboutDaily FunnyNext RefinanceThey Drained Niagara Falls — They Weren’t Prepared For This Sickening DiscoveryNext RefinanceUnderstand Solar$0 Down Solar in Scottsdale. How Much Can You Save? Try Our Free Solar Calculator Now.Understand Solar It said booked revenues were down four per cent for the year to 15 June on the previous year. The over-50s insurance and tourism group responded by unveiling a new strategy to return the business to its roots following a series of profit warnings. Chief executive Lance Batchelor, who has announced plans to retire next year, said: “We are resolutely focused on the execution of our new strategy and have a clear set of priorities. He added: “In its defence, the turnaround plan is still fairly new and it will take time to see if the strategy works.” whatsapp Margins for this year will also be hit, the company said, after it was forced to discount holiday packages as a result of competition. In April its shares dived 40 per cent after it warned that Brexit uncertainty was hitting its travel business and price comparison sites were eating into its insurance margins. Shares in Saga have fallen more than ten per cent this morning after the insurance and travel group warned its tour operations were set to take a hit. “Having issued several profit warnings in the past few years, changed its insurance strategy, and announced plans to part ways with its chief executive, the business has come back with a patchy trading update.” Cruise bookings also remained in line to reach targets after a “resilient” performance over the period and bookings on two new ships for 2020-21 were also progressing well, the company said.
Read This NextRicky Schroder Calls Foo Fighters’ Dave Grohl ‘Ignorant Punk’ forThe Wrap’Drake & Josh’ Star Drake Bell Arrested in Ohio on Attempted ChildThe WrapCNN’s Brian Stelter Draws Criticism for Asking Jen Psaki: ‘What Does theThe WrapDid Donald Trump Wear His Pants Backwards? Kriss Kross Memes Have AlreadyThe WrapHarvey Weinstein to Be Extradited to California to Face Sexual AssaultThe Wrap’The View’: Meghan McCain Calls VP Kamala Harris a ‘Moron’ for BorderThe WrapPink Floyd’s Roger Waters Denies Zuckerberg’s Request to Use Song in Ad:The WrapKatt Williams Explains Why He Believes There ‘Is No Cancel Culture’ inThe Wrap’Black Widow’ First Reactions: ‘This Is Like the MCU’s Bond Movie’The Wrap whatsapp Make mine a double Wednesday 14 January 2015 8:29 pm Express KCS Show Comments ▼ Share Tags: NULL whatsapp Pub landlord to stand in Farage’s target seatNIGEL Farage has welcomed comedian Al Murray into the battle for the South Thanet seat in May’s general election, tweeting “the more the merrier,” after Murray announced his intention to run. Murray, or The Pub Landlord to give him his stage name, has announced he will stand for election as leader of the Free United Kingdom Party (FUKP).
By Mike Wackett 07/05/2020 © Eq Roy Ocean carriers are scrambling to cut costs as the demand for liner services continues to plummet, and the off-hiring of chartered tonnage is top of their agenda.Hapag-Lloyd chief executive Rolf Habben Jansen said yesterday that the carrier would return a further “small double-digit number” of ships from the 129 it has on time charters.Representing 40% of its fleet capacity, Hapag-Lloyd’s chartered fleet is relatively low compared with that of several of its carrier peers.MSC has some 75% of its 556-ship fleet on charter, ONE charters 68% of its 219 vessels and CMA CGM has 62% of its 474 ships on hire.Carriers are withdrawing up to 20% of their network capacity on the main tradelanes and, notwithstanding that many chartered ships will have been fixed with owners on charters of 12 months or more, they will be endeavouring to redeliver as much surplus chartered tonnage as possible in the coming weeks and months.Indeed, one carrier source told The Loadstar this week there had been a “blanket ban” on chartering by his European head office.He added: “Even feeders have to get senior approval now, which means that containers for the UK could be sitting in Rotterdam or Antwerp for weeks before another mothership brings them across.”Alphaliner said this week that idled container tonnage was getting very close to the record high of 2.46m teu, with owners increasingly struggling to find employment for their tonnage.The consultant said demand had “dried up” for many of the sizes and even scrubber-fitted ships had “lost much of their appeal”, due to the narrowing of prices between high- and low-sulphur bunker fuel.Prior to the coronavirus crisis, the price difference between IMO 2020-compliant fuel and traditionally cheaper heavy fuel oil, able to be consumed by ships fitted with scrubbers, had settled at around $200 per ton, making the investment by owners in the exhaust gas cleaning scrubber systems an attractive option, due to the premium paid by charterers for the ships.But with the collapse of global oil prices, the spread has narrowed significantly, to around $40 per ton and, unsurprisingly, daily hire rates for containerships are also beginning to tumble – down an average of 8% in the past month according to the latest New ConTex index. However, some sectors are seeing a 10% or more decline in rates, and that is where fixtures are still able to be done.One UK broker source told The Loadstar that the container desk on his floor had gone from “boom to bust” since January.“We were fixing everything we could lay our hands on around the time of IMO 2020,” he said. “We had carriers daily asking for news on available tonnage to replace ships they had stuck at the yards for scrubber fitting.“But now, when they do ring us, they are looking for sub-lets for the tonnage they want to get rid of early.”
IE Staff Wealthsimple launches Sharia-compliant ETF “Through CI Global Private Real Estate Fund, we are pleased to offer Canadian investors access to the expertise of a leading global real estate firm and exposure to an investment strategy that has posted exceptional risk-adjusted returns since its inception,” says Neal Kerr, president of CIIAM, in a statement. CI Global Private Real Estate Fund will invest indirectly in units of CBRE Global Investment Partners Global Alpha Fund, which has investments in retail, logistical and residential properties in more than 20 countries representing a combined net asset value of US$2 billion. CBRE Global Investment Partners Global Alpha Fund has an objective to deliver stable dividend income of 4%-5% a year and a net total return of 9%-11% annually (in local currency) over a market cycle. CBRE GIP, a division of CBRE Global Investors that has more than US$15 billion in assets under management, manages CBRE Global Investment Partners Global Alpha Fund actively. CBRE GIP’s team follows a value-oriented approach with a focus on relatively high-income yields and predictable cash flows. CI Global Private Real Estate Fund, which is offered on an exempt basis, is now available to permitted clients with a minimum investment of US$2 million (Class I units) and to accredited investors with a minimum investment of US$150,000 (Class F units) through registered dealers. Facebook LinkedIn Twitter Toronto-based CI Institutional Asset Management (CIIAM), a division of CI Investments Inc., on Wednesday announced the launch of CI Global Private Real Estate Fund, which is targeted at high net-worth (HNW) investors and smaller Canadian institutions, in association with CBRE Global Investment Partners (CBRE GIP). Specifically, these investors will now be able to gain exposure to CBRE Global Investment Partners Global Alpha Fund, an open-ended fund with direct investments in more than 1,900 properties in North America, Europe and the Asia-Pacific region, through the new fund. Related news Keywords Fund launches, High net-worth clientsCompanies CI Investments Inc. BMO to launch six new mutual funds Share this article and your comments with peers on social media Fidelity Investments unveils new climate-focused fund suite
Share this article and your comments with peers on social media Evolve Funds Group Inc. announced Wednesday that it has filed a final prospectus to launch Evolve Active Core Fixed Income ETF.Evolve has retained Foyston, Gordon & Payne Inc.(FGP), both based in Toronto, to provide subadvisory services to fund. Companies Evolve Funds Group Inc. Units of the ETF have been approved for listing on the NEO Exchange to begin trading on March 29 under the ticker symbol FIXD, subject to confirmation of closing.The fund will close the initial offering of units to its designated broker by the close of business on March 28.The fund seeks to generate an attractive total investment return through income and long term capital appreciation primarily through investments in debt obligations and other evidences of indebtedness of Canadian, U.S., and international issuers, Evolve says in a news release.The ETF is the first Evolve product to list on NEO.“FIXD will enhance our existing suite of ETFs by providing investors with an actively-managed core fixed income strategy,” says Raj Lala, president & CEO of Evolve. “Fixed income is an asset class where active management may offer significant benefits within low and rising interest rate environments.”FGP is also the subadvisor for Evolve Active Canadian Preferred Share ETF, which was launched on Sept. 29, 2017 and trades on the Toronto Stock Exchange under the ticker DIVS. Facebook LinkedIn Twitter awrangler/123RF IE Staff
Statement by Deputy Prime Minister and Minister of Finance From: Department of Finance CanadaThe Office of the Superintendent of Financial Institutions (OSFI) announced today that it is restarting its consultation on the minimum qualifying rate for uninsured mortgages.Ottawa, OntarioDepartment of Finance CanadaThe Office of the Superintendent of Financial Institutions (OSFI) announced today that it is restarting its consultation on the minimum qualifying rate for uninsured mortgages. The Deputy Prime Minister and Minister of Finance, the Honourable Chrystia Freeland, today issued the following statement:“For many Canadians, the most important investment they will make in their lifetime is the purchase of their home. Maintaining the health and stability of Canada’s housing market is essential to protecting middle class families and to Canada’s broader economic recovery.“We will continue to monitor housing market conditions across the country. To inform potential steps the government may take, we will closely examine the results of the consultation announced by the Superintendent of Financial Institutions.“The federal government remains committed to helping all Canadians find an affordable place to call home.”Quick FactsWhen a borrower has less than a 20 per cent down payment, lenders are required to obtain government-backed mortgage insurance. The mortgages must comply with the insured mortgage rules set by the Minister of Finance, including the minimum qualifying rate. This is currently the greater of the borrower’s contract rate or the Bank of Canada 5-Year Benchmark Posted Mortgage Rate.When the borrower has more than a 20 per cent down payment, mortgage insurance is not required. Currently, the minimum qualifying rate applicable to uninsured mortgages, set by OSFI, is the greater of the borrower’s contract rate + 2.00 per cent; or the Bank of Canada 5-Year Benchmark Posted Mortgage Rate. /Public Release. This material comes from the originating organization and may be of a point-in-time nature, edited for clarity, style and length. View in full here. Why?Well, unlike many news organisations, we have no sponsors, no corporate or ideological interests. We don’t put up a paywall – we believe in free access to information of public interest. Media ownership in Australia is one of the most concentrated in the world (Learn more). Since the trend of consolidation is and has historically been upward, fewer and fewer individuals or organizations control increasing shares of the mass media in our country. According to independent assessment, about 98% of the media sector is held by three conglomerates. This tendency is not only totally unacceptable, but also to a degree frightening). Learn more hereWe endeavour to provide the community with real-time access to true unfiltered news firsthand from primary sources. It is a bumpy road with all sorties of difficulties. We can only achieve this goal together. Our website is open to any citizen journalists and organizations who want to contribute, publish high-quality insights or send media releases to improve public access to impartial information. You and we have the right to know, learn, read, hear what and how we deem appropriate.Your support is greatly appreciated. All donations are kept completely private and confidential.Thank you in advance!Tags:bank, Canada, Deputy Prime Minister, federal government, finance, Government, insurance, Investment, market, Minister, mortgage, Ottawa, Prime Minister, purchase
Published: Feb. 28, 2019 Listen and subscribeAppleSpotifySoundCloudStitcherWhat counts as cheating? Could a prosthetic be a form of cheating? Does the question of cheating even matter if everyone is cheating in the same way?Experts weigh in on those questions in this episode of Brainwaves podcast. Categories:BrainwavesHealth & SocietyNews Headlines Share Share via TwitterShare via FacebookShare via LinkedInShare via E-mail
ReddIt TAGSE ColumnElizabeth SlaterIn Short Direct Marketing Home Wine Business Editorial E Column Brand AmbassadorsWine Business EditorialE ColumnBrand AmbassadorsBy Elizabeth Slater – May 29, 2019 358 0 Facebook Share Linkedin Email Pinterest Twitter AdvertisementNo winery can have too many brand ambassadors. People who will tell the world about your wine. Usually we think of brand ambassadors as customers who are connected to your winery and love your wines. However, all your winery employees should be brand ambassadors for your company, for the wines and for the service you provide.To create effective brand ambassadors, it’s important to train your employees in how they can be effective in this role. After all, your employees know the business, they know their jobs and if their friends and neighbors are looking for ideas for what wines to buy, or where to take visiting guests wine tasting, who better to ask than someone who works in the industry and lives on the same street.With the right information and training your employees can be a great addition to your marketing and public relations efforts. It is up to management to train employees in the arts of brand ambassadorship.CommunicateDoes everyone who works for you, from the cellar crew and office staff to the hospitality staff and part time workers (either tasting room or crush) who work occasionally, have all the information they need to become a brand ambassador?In training sessions ask the staff members to write down the mission and vision of the company. Or ask the staff to answer two questions:Who are we?What do we do?Collect the statements they have written and read them out loud (without identifying the writers).This will give you a good idea of everyone’s interpretation of your mission and vision statements.Encourage a Social PresenceHold a social media training session with guidelines that provide the information on what may or may not be shared on social media. Encourage your employees, in their role as brand ambassadors, to post information about exciting, interesting or funny things that have happened at the winery.Share InformationPut out one email each week (or more if needed) keeping everyone up to date on what is happening in the company (photos, news, videos), etc. Employees can share this information with their followers.If you have a blog or other content you post to your customers, feature information about individual employees as they are more likely to share this information with friends and family.A tip of the glass from me to you.E Columnby Elizabeth “E” Slater, In Short Direct MarketingA recognized expert in the fields of direct marketing and sales in the wine marketplace. Slater has taught more wineries and winery associations how to create and improve the effectiveness of their direct marketing programs and to make the most of each customer’s potential than anyone in the wine industry today.Follow E on twitter @esavant and facebook.Advertisement Previous articleCK Mondavi and Family Introduces Limited-Time Seasonal Wines, Beginning with Sunset Sweet RedNext articleO’Neill Vintners & Distillers Launch Day Owl Rosé 375ml Cans Elizabeth Slater
ACI Cumballa Hill Hospital, Asian Cancer Foundation, Hopscotch Health introduce solution to beat tobacco addiction
WHO tri-regional policy dialogue seeks solutions to challenges facing international mobility of health professionals MaxiVision Eye Hospitals launches “Mucormycosis Early Detection Centre” ACI Cumballa Hill Hospital and Asian Cancer FoundationHopscotch Healthtobacco addictionTobacco Minus Share By EH News Bureau on February 4, 2020 Related Posts The missing informal workers in India’s vaccine story Mumbai-based ACI Cumballa Hill Hospital and Asian Cancer Foundation has joined hands with health tech startup Hopscotch Health to design a structured programme called ‘Tobacco Minus’, for tobacco users for over a period of six months. The tailor-made programme consists of monitoring via a smartphone app, consultations, and counseling sessions.Dr Ramakant Deshpande, Onco Surgeon and Chairman, Asian Cancer Institute, highlighted, “According to the World Health Organization, (WHO), tobacco kills more than eight million people each year. Over seven million deaths are a result of direct consumption, whereas 1.2 million is the result of passive smoking. It is the need of the hour to help people overcome tobacco addiction via cessation programmes. Tobacco dependency invites a plethora of health problems such as lung and oral cancer, tooth and gum diseases, Chronic Obstructive Pulmonary Disease (COPD), asthma, heart disease, oral infections, bronchitis and even gastrointestinal issues.”He added, “The ‘Tobacco Minus’ programme will make it easy for doctors and counsellors to keep track of the health of the patients. Stopping nicotine usage can cause withdrawal symptoms and that can also be managed through this programme.”Varun Deshpande, Director, Hopscotch Health, said, “The ‘Tobacco Minus’ programme is a six-week quit plan, that will guide a tobacco user towards quitting tobacco through in-person consultations with psycho-oncologist and a smartphone app that monitors the user’s craving and moods. The app can perform daily check-ins, provide daily inspiration or information on coping strategies and request information from the user to personalise their experience further. The user can notify the app if they’re feeling a craving, in order to receive a mitigation strategy based on established coping strategies.”“The app has been designed using insights from the forefront of behaviour change and technology development. It is a testament to the power of technology to help people lead healthy lives, more effortlessly. We’re proud to partner with ACI Cumballa Hill Hospital to reduce the burden of tobacco-related deaths, and improve the quality of life of patients,” concluded Deshpande. Heartfulness group of organisations launches ‘Healthcare by Heartfulness’ COVID care app Menopause to become the next game-changer in global femtech solutions industry by 2025 Read Article Phoenix Business Consulting invests in telehealth platform Healpha Indraprastha Apollo Hospitals releases first “Comprehensive Textbook of COVID-19” News ACI Cumballa Hill Hospital, Asian Cancer Foundation, Hopscotch Health introduce solution to beat tobacco addiction The ‘Tobacco Minus’ is a one-of-its-kind programme that will guide patients to quit tobacco with the help of a smartphone application Comments (0) Add Comment
SHANGHAI – Alexander Levy sent his 40-foot putt across the sixth green and down a steep ridge toward the cup, and when it curled in the left side, he turned toward his caddie with arms raised and a smile that lit up Lake Malaren on an overcast day. Just about everything is going right for Levy at the BMW Masters. The Frenchman piled up nine more birdies Saturday on his way to a 9-under 63, giving him a four-shot lead over Jamie Donaldson of Wales and leaving him on the cusp of his third victory this year on the European Tour. ”I play good golf and it’s true, I am confident,” Levy said. ”You don’t have that (confidence) a lot of time, and I need to enjoy this moment and do my best tomorrow.” He had no choice but to keep making birdies. So was everyone else on an extraordinary day of scoring. Donaldson holed out for eagle on the tough 16th hole in his round of 62 and he barely made up any ground. Justin Rose followed a 65 with a 64 on Saturday and actually lost ground to Levy. ”I think I’ve done my part, but I didn’t bank on everyone else going as low as they are,” said Rose, who was seven shots back. ”Obviously, Mr. Levy is going ridiculous out there. I would have thought I’d be in a bit better shape going into Sunday than I am, but obviously every credit to the lads that are keeping it going.” Marcel Siem of Germany shot a 65 and still was five shots behind. He lost more than just a few strokes to Levy. He also lost some money. They have been betting 200 euros (about $250) each round on who has the better score. Levy got him twice in the 36-hole event he won in Portugal three weeks ago. The only round Siem didn’t lose money was on Friday when both shot 66. ”I think I chose the wrong opponent,” Siem said. ”But it’s crazy when you’re 17-under par and you lose every round against him – yesterday I tied. But it’s good for him. He’s a great lad and he’s playing unbelievable golf at the moment. Tough to beat him, and I’ll try my best tomorrow. we’ll see.” About the only one who didn’t keep pace was Nicolas Colsaerts. He missed an 8-foot birdie attempt on the first hole and kept falling further behind until he finished with a double bogey out of the bunker on the 18th hole for a 73. Colsaerts went from a one-shot lead to nine shots behind. Levy was at 22-under 194 as he goes after his third title of the year on the European Tour. He already is the first Frenchman with multiple wins in one season. ”I played an amazing round,” Levy said. ”I enjoy a lot the way I played the first three rounds, and it was a good, good game. And I look to do my best tomorrow and try to play the same golf and to be aggressive like the first round.” The BMW Masters is the first of four tournaments in ”The Finals Series” that wrap up the European Tour season. The conditions have been soft and overcast all week in Shanghai, with players allowed to lift, clean and replace their golf balls within one club because of the wet turf. Levy likes to take dead aim – he calls it ”target golf” – and the soggy turf of Lake Malaren suits him perfectly. He opened with a 9-iron to about 6 feet for birdie, stuffed a wedge in close for birdie on the second and hit another wedge close on the par-5 third. Even though Colsaerts was some 40 yards beyond him on the par-5 seventh, Levy hit his approach 10 feet closer and both made two-putt birdies. Levy played with Colsaerts and Romain Wattel of France, with whom he is sharing a room this week. ”Impressive game,” Wattel said to him after the round, and there was no denying that. Siem was alone in third at 17-under 199. Rose, who opened with a 72, was at 15-under 201 and trying to figure out how he can make up so much ground with one round remaining. His only hope was for Levy to come back to the field. ”If Alex has a bad day, then you look at the second guy – Jamie at 18 (under) and maybe I’m three behind,” Rose said. ”I always try to look at it like that because you never know what the leader is going to face on a Sunday, so you always have look at second and go from there. So in with a half-chance.” Colsaerts and Emiliano Grillo of Argentina (69) were nine shots behind. Graeme McDowell, needing two good finishes during the Shanghai swing to become entrenched in the top 15 on the Race to Dubai, had a 68 and is playing for position. Levy has not shown any signs of cracking. ”You’ve got to go out there and play well to catch him,” Donaldson said.