first_img Show Comments ▼ RBS shares opened almost 3.5 per cent higher as it reported a huge jump in profits in the third quarter, raising the possibility that the government’s 80 per cent share in the bank could be sold sooner than expected.Profit before tax for the three months to the end of September came in at £1.27bn, up from £1bn in quarter two and a loss of £634m for the third quarter last year. However, the bank added it had set aside £400m to cover “potential costs following investigations into the foreign exchange market”. It has also put aside another £100m for PPI compensation, after complaints rose more than expected during the third quarter.The bank has been benefiting from the continued recoveries of both the UK and Ireland, but it indicated it expects that effect to “moderate” in the mid-term.RBS has been trying to restructure, reduce cost, and place more focus on its British retail operations.Ross McEwan, chief executive, said:In February I placed trust at the heart of my new strategy for our bank. We have taken the first steps towards that goal, with early progress in making RBS simpler, clearer and fairer.We are reducing costs, and are on track to achieve our capital targets.UK and Ireland are showing signs of growth, and impairment trends are significantly better than we had anticipated at the start of the year.RBS has been one of the better performers this year, outperforming rivals in the stock market.  Billy Ehrenberg whatsapp Friday 31 October 2014 3:27 am by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryzenherald.comMeghan Markle Changed This Major Detail On Archies Birth Certificatezenherald.comYahoo! SearchResearch Car Donation For CharitiesYahoo! SearchThe No Cost Solar ProgramGet Paid To Install Solar + Tesla Battery For No Cost At Install and Save Thousands.The No Cost Solar ProgramMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailNational Penny For Seniors7 Discounts Seniors Only Get If They AskNational Penny For SeniorsMaternity WeekA Letter From The Devil Written By A Possessed Nun In 1676 Has Been TranslatedMaternity WeekEquity MirrorThey Drained Niagara Falls — They Weren’t Prepared For This Sickening DiscoveryEquity MirrorPost FunKate & Meghan Are Very Different Mothers, These Photos Prove ItPost Fun whatsapp RBS share price: Investors not spooked as it sets aside £400m for forex probe Tags: Company Forex rate-rigging scandal Royal Bank of Scotland Group Sharelast_img read more

first_img whatsapp Monday 10 August 2015 12:07 am Show Comments ▼ whatsapp WITH the age-old cricketing rivalry between England and Australia still going strong, an aversion to all things Pom might be expected of Australian cricket fans.Fresh from England’s glorious Ashes win over Australia, new figures reveal the rivals are the biggest buyers of cricket balls and bats and have bought 13 per cent more than the previous year. The total value of exports of British-made goods Down Under now stands at £1.1m.The growth in trade means Australia continues to be the UK’s largest export market for cricketing equipment.Perhaps surprisingly, the US was the second biggest export market for the sports goods, followed by Norway and then the United Arab Emirates.Steve Finn, whose eight-wicket haul at Edgbaston helped England on the way to retaining the urn, said: “The UK’s love for cricket is well known and evidence by the high-quality cricketing equipment manufactured right here in Britain and exported across the world.”Lord Francis Maude, Trade and Investment Minister, said: “It’s great to see the Aussies continue to be bowled over by the excellent standard of our sporting equipment.”British exports of cricketing equipment may have further to go before reaching the boundary, with manufacturer Hawk, whose exports to Australia and New Zealand now account for 10 per cent of its business, recently announcing it was assessing new markets in the Middle East. Share Aussies bowled over by Pom bats and balls Read This NextRicky Schroder Calls Foo Fighters’ Dave Grohl ‘Ignorant Punk’ forThe Wrap’Drake & Josh’ Star Drake Bell Arrested in Ohio on Attempted ChildThe WrapDid Donald Trump Wear His Pants Backwards? Kriss Kross Memes Have AlreadyThe WrapCNN’s Brian Stelter Draws Criticism for Asking Jen Psaki: ‘What Does theThe WrapHarvey Weinstein to Be Extradited to California to Face Sexual AssaultThe Wrap’Black Widow’ First Reactions: ‘This Is Like the MCU’s Bond Movie’The WrapWatch President Biden Do Battle With a Cicada: ‘It Got Me’ (Video)The WrapPink Floyd’s Roger Waters Denies Zuckerberg’s Request to Use Song in Ad:The Wrap’The View’: Meghan McCain Calls VP Kamala Harris a ‘Moron’ for BorderThe Wrap Express KCS Tags: NULLlast_img read more

first_imgOrionid meteor shower peaks this week October 21, 2020 AdvertisementDC Young Fly knocks out heckler (video) – Rolling OutRead more6 comments’Mortal Kombat’ Exceeded Expectations Says WarnerMedia ExecutiveRead more2 commentsDo You Remember Bob’s Big Boy?Read more1 commentsKISS Front Man Paul Stanley Reveals This Is The End Of KISS As A Touring Band, For RealRead more1 comments Best meteor shower of the year will peak Sunday night December 14, 2020 Draconid meteor shower 2020: How and when to watch October 6, 2020 Advertisement Missed the supermoon? Here’s other sky-gazing events happening this year May 21, 2021 CNN – Every year from January to mid-April, we go without a single meteor shower for months, better known as a “meteor drought.” April 22 kicked off the first show of the season.“These dazzling meteors are fast and bright, with a striking golden trail of dust streaking behind them,” CNN meteorologist Judson Jones said.The Lyrids, which are best seen from the Northern Hemisphere, have been observed for 2,700 years, according to NASA. During its peak, this shower will feature about 10 meteors per hour, CNN reported. center_img AdvertisementIf you miss the meteors this week but still want to gaze at the sky, see next week’s “pink” full supermoon on April 26. While the moon won’t actually be pink, it will appear extra bright since supermoons are slightly closer to Earth. RELATEDTOPICS Advertisement AdvertisementTags: meteor shower AdvertisementRecommended ArticlesBrie Larson Reportedly Replacing Robert Downey Jr. As The Face Of The MCURead more81 commentsGal Gadot Reportedly Being Recast As Wonder Woman For The FlashRead more29 commentslast_img read more

first_img Previous articleBrennan admits plenty to work on but pleased with players for ‘fighting til the bitter end’Next articleColdest week of the year expected as temperatures to hit minus five degrees David Peavoyhttp://www.peavoyfinancial.ieAt Peavoy Financial Planning we consolidate all of your family assets into one balanced program, so that you can improve your asset accumulation in less time with fewer risks along the way. You can contact me on 087-2902206 or alternatively drop me an email on [email protected] A New Year’s resolution is a tradition where a person resolves to change an undesired trait or behaviour, to accomplish a personal goal or otherwise improve their life.This week we look at the reasons why 2019 should be the year you make that ‘Pension Resolution’ and start saving for your retirement in a goal orientated way.For many people, retirement seems like a long way off so they tend to put it at the back of their minds.As individuals, we all lead a busy life and may not have made the time to start planning for our retirement.However, more than most, you should know that, if you don’t take on the responsibility of planning for your future now, it’s unlikely anyone else will.To enjoy financial security when you retire, it’s important to put money aside during the years you are working.The following are Three of the Key reasons you need a Pension1 – You may need an Income for up to 30 years or more after you retirePeople are living longer which means you might be retired for up to a third of your life. That’s why it is so important to have a savings plan that ensures the money you can earn during your working life lasts the whole of your life. Council Peavoy Financial Planning: Why leave your pension until the 11th hour?! New Arles road opens but disquiet over who was invited to official opening Pinterest WhatsApp Pinterest Community TAGSPeavoy Financial PlanningPensions Charlie Flanagan on Electric Picnic: ‘I’d ask organisers to consult with community leaders’ WhatsAppcenter_img Laois secondary school announces scholarship winners for new academic year By David Peavoy – 28th January 2019 Twitter RELATED ARTICLESMORE FROM AUTHOR Facebook Twitter Home Columnists Peavoy Financial Planning: Why leave your pension until the 11th hour?! Columnists Community Facebook Your pension plan is one of the most important savings plans you will ever save into. It can provide you with an ongoing income to ensure you have the money you need to enjoy your retirement years.2 – Your income could drop by almost 70% in retirement.When you retire, you’ll probably assume that you will have the same standard of living. However, unless you put a pension plan in place, your income could drop by almost 70% in retirement.The State Pension (Contributory) from March 2019 will be €12,911 a year (€248.30 per week) for those who meet the full qualifying criteria, but the average wage is €38,594 (Source: CSO, Average earnings in Q1 2018, Earning and Labour Costs May 2018).3 – If you qualify for the State Pension, you could be 68 before you receive itThe age of eligibility for the State Pension (Contributory) has changed and no longer starts at age 65. If you were born after the 1st January 1961 the minimum qualifying State Pension age will be 68.That’s potentially a three year GAP in retirement income, when you qualified for the contributory pension at age 65…..(€38,734 would be the estimated shortfall in retirement income over three years due to the change in the minimum qualifying age).How do I work out how much I should be saving?In an ideal world you should be aiming for an income of at least 50% of your Final Salary. However, we do not live in an ideal world.Everyone’s situation is different and it really depends on the type of lifestyle you want for yourself in retirement, as well as your own specific current circumstances.At Peavoy Financial Planning we will meet with you to discuss your retirement needs and help you put a plan in place designed to help achieve your financial goals based around, what you can afford to save, when you would like to retire and the kind of lifestyle you’d like to live.The good news is, that the Government has put a range of incentives in place giving you even more reasons to save for your retirement into a pension plan.For example, on any personal contributions you can benefit from generous tax relief of up to 40% on your pension contributions (Assuming you pay income tax at the higher rate).When should I take out a Pension?It is important to start planning for tomorrow today. The sooner you start your pension, the longer it has to potentially grow which could make a big difference to the size of your savings at retirement.As already advised personal contributions to a pension plan can benefit from generous tax relief of up to 40%. If the tax relief is not used in any given year, it is lost.Can I commit to Long Term Savings?A pension is very flexible. You can usually stop and start when you need to and increase or decrease your contributions at any time.It is better to start saving into your pension plan now, even if you put in less than you’d like to. Remember you can usually change how much you save to suit your circumstancesSo what do you do next?Have a chat with your Financial Adviser and put a plan in place to to help you achieve the kind of lifestyle you’d like to live in retirement. If you would like to have a chat with me here at Peavoy Financial Planning please do make contact with me and we will work through your current situation with you.  I can be contacted on 087-2902206 or alternatively by email on [email protected] Peavoy BA, QFA, LIAP is the Owner of Peavoy Financial Planning whose practice is based in Office 5b, Portlaoise Enterprise Centre, Clonminam Business Park, Portlaoise, Co Laois.David Peavoy T/A Peavoy Financial Planning is regulated by the Central Bank of IrelandDisclaimer: All data and information provided within this blog is for information purposes only. It should not be taken as specific advice for your situation. Peavoy Financial Planning makes no representations as to the accuracy, completeness, or suitability of any information and will not be liable for any errors, omissions or delays in this information or any losses, injuries or damages arising from its useSEE ALSO – Peavoy Financial Planning: What is my Life Insurance number?SEE ALSO – Read more columns from Peavoy Financial Planning herelast_img read more

Related news CI acquires US$5.1B San Diego-based RIA Facebook LinkedIn Twitter Keywords Mergers and acquisitionsCompanies Sun Life Financial Inc. Desjardins buys Montreal boutique firm Hexavest Cidel Asset Management to acquire fixed income manager PVI will own 51% of PVI Sun Life, and Sun Life the remaining 49%. Financial details were not disclosed. PVI is an investment and insurance company with subsidiaries focused on general insurance, reinsurance, life insurance and other financial services. Sun Life will contribute life insurance expertise, particularly in the areas of actuarial, risk management and distribution management to the joint venture. “PVI Sun Life completes PVI Holdings’ insurance business network, and delivers on our long term strategy. We are very excited about partnering with Sun Life, an internationally renowned life insurer, to deliver greater choice in life insurance to the people of Vietnam,” said Nguyen Anh Tuan, chairman of PVI Holdings, in a release. “Vietnam’s life insurance market has great potential and through PVI Sun Life we will be able to provide new products that are unique in the Vietnamese marketplace,” he added. “When we look at Vietnam and our partnership with PVI Holdings, we see a great opportunity to offer our nearly 150 years of expertise to provide valued peace of mind to the people of Vietnam,” said Dean Connor, president and CEO, Sun Life Financial. “With PVI, we feel confident that we have the right partner to become a market leader in Vietnam.” The companies believe Vietnam’s life insurance market is poised for growth. While the country has been one of the fastest growing economies in Asia in recent years, only five per cent of the population currently has life insurance coverage. The joint venture is subject to regulatory approval in both Canada and Vietnam and is expected to commence operations before the end of 2012. IE Staff Share this article and your comments with peers on social media PVI Holdings (HNX: PVI) and Sun Life Financial Inc. (TSX: SLF) Thursday signed an agreement to form a joint venture life insurance company, PVI Sun Life Insurance Co. Ltd. PVI Sun Life will deliver a suite of life insurance products to customers in Vietnam through multiple sales channels. The company, which further expands Sun Life’s footprint in Asia, aims to become a market leader in the sector. read more

first_img Facebook LinkedIn Twitter Keywords Self-regulatory organizationsCompanies Investment Industry Regulatory Organization of Canada The Investment Industry Regulatory Organization of Canada (IIROC) is issuing new versions of its logo for use on smartphones and other mobile devices in response to industry demand resulting from new rules that the self-regulatory organization (SRO) put into place requiring investment dealers to disclose their overseeing regulator. The SRO implemented the new requirements for firms to disclose that they’re regulated by IIROC, which provided four versions of its logo for firms to use, in June. Since then, several investment dealers have requested additional versions of the logo that can be used on mobile devices such as tablets, smartphones and bilingual versions, the SRO says. These new versions are available on IIROC’s website. When does poor service become a regulatory issue for online brokerages? Share this article and your comments with peers on social media IAP to focus on SROs, taskforce in 2021center_img James Langton Separately, IIROC notes that it’s redesigning the official brochure that firms will be required to distribute to new retail clients when they open an account — and to existing retail clients upon request — starting Jan. 1, 2017. In the meantime, IIROC says dealers can continue using their inventory of the existing IIROC brochure. “As we transition to the new version of the IIROC official brochure, which will be available in December,” the SRO says, “[dealers] and their representatives may continue to distribute hard copies of the existing brochure … until inventories are depleted.” IIROC drops expanded OBSI reporting proposal Related newslast_img read more

first_imgThis compares with a still healthy 116% growth rate in AUM for actively managed investment funds, which attracted $75 billion during the same time frame.Passive investment funds in the U.S. have seen even stronger growth in market share, more than doubling to 35% from 16% in 2006-07. U.S. passive investment funds saw net money flow of $3.4 trillion during that period, compared with just $887 billion for active funds.“Overall, passive funds are gaining ground in both Canada and the U.S. with the help of steady inflows of money,” says the report, which was written by Raymond Kerzérho, research director at PWL. “However, the Canadian passive fund industry remains small relative to the one in the U.S., where passive funds have grown at a frenzied pace.”Given the relatively lower fees on passive vs active investment funds, the rise of passive investments means Canadian investors are saving $1.3 billion in fees each year while U.S. investors are saving US$63 billion in fees annually.“These savings naturally represent an equal amount in loss of revenue for the investment funds industry,” the PWL report states.The research shows that net flows into passive funds in Canada have been stable and positive every year since 2008. In contrast, active fund flows have been volatile, with three years — 2008, 2009 and 2010 — in which active funds saw hefty net withdrawals.“Since 2007-08, both Canadian and U.S. passive funds attracted positive net new money steadily, whereas the flow of funds toward active management has been extremely volatile,” the report states.Despite the steady growth of passive funds, the report notes that the research did not include funds of funds, which comprise a large portion of the Canadian mutual fund market. As a result, the report suggests that its estimate of Canadian passive fund market share may be overstated.“The data suggest that traditional active managers retain the lion’s share of the fund industry,” the report says. Thematic funds thrived during pandemic, but watch long-term performance: report Facebook LinkedIn Twitter Related news Share this article and your comments with peers on social media Mutual fund sales dipped, but still outpaced ETF sales in April Megan Harman Passive investment funds are stealing market share from actively managed funds at a rapid pace in Canada and the U.S., according to a new report from Montreal-based PWL Capital Inc.The report, entitled The Passive vs. Active Fund Monitor, shows that Canadian passive investment funds (including mutual funds and ETFs) have more than doubled their market share since 2007-08, to 11.2% from 5.2%. Passive funds experienced a growth rate of 400% in new assets under management (AUM) during this period, attracting $70 billion in net new money. Keywords Mutual fundsCompanies PWL Wealth Management Inc. businessman hand working computer and business strategy concept everythingpossible/123RF In a choppy year, fund sales, assets surge: IFIClast_img read more

first_imgRelatedRent Restriction Act Being Amended Rent Restriction Act Being Amended UncategorizedJune 6, 2008 RelatedRent Restriction Act Being Amended RelatedRent Restriction Act Being Amendedcenter_img FacebookTwitterWhatsAppEmail The Rent Restriction Act is being amended to ensure that the rights of landlords and tenants are equally protected, and to provide the mechanism to enable speedy resolution of disputes.This was disclosed by Minister of Water and Housing, Dr. Horace Chang, during his presentation in the 2008/09 Sectoral Debate in the House of Representatives, yesterday (June 4).Dr. Chang said this amendment was necessary as, “while it is the dream of most persons to own their home, the reality is that, no matter what mechanism a Government puts in place to provide shelter, this dream will never be realized by all.”“In fact, depending on the stage of life that persons are at, it may be more advantageous to pursue other forms of living arrangements. It is for this reason, that the Ministry is taking steps to revitalize and encourage new investments in the rental market,” the Minister added.On another matter, Dr. Chang said the Mortgage Insurance Act has been introduced into the Lower House, and its accompanying Regulations have already been amended to increase the ceiling for secondary mortgage from $500 million to $2.5 billion.“Among the benefits of the amendment to this piece of legislation are an increase in the amount of funds for primary financing, that can be made available to mortgage granting institutions, and greater coverage for risks in cases of default on mortgage payments,” Dr. Chang explained.“This will lead to: reduced down payment for purchasers; a significant increase in the housing stock and by extension, more mortgages, which will increase the pool of funds available to support a secondary mortgage market,” he added.Dr. Chang argued that the end result of these changes would be greater economic stability for the country, generated by the inflow of equity in the housing sector through the investments. Advertisementslast_img read more

first_imgShare Share via TwitterShare via FacebookShare via LinkedInShare via E-mail Published: Feb. 6, 2020 Stay warm with CU on Friday activities; participate in a Black History Month dialogue; join T9 Hacks for women and non-binary folks; catch a free movie, basketball game, string orchestra concert and more.Friday, Feb. 7DIY valentines Through Feb. 7  Museum of Natural History, BioLounge Show you care by creating a heartfelt, handmade Valentine’s Day card—letting nature inspire your sentiments. Craft supplies will be available through Feb. 10. But finish your card before Feb. 7, and your sweetie will receive a delightfully kitschy postmark from Loveland, Colorado, as part of the town’s annual Valentine Re-mailing Program. Get details. Through Feb. 14 CU Book Store Need more time? Make your own valentines at the CU Book Store through Feb. 14. Paper, stickers, markers and all the supplies you will need are located in the lower level of the store.CU on Friday: Color Me Happy 4–6 p.m. UMC 235 CU Boulder students, faculty and staff are invited to this fun UMC tradition! Participate in plenty of festive activities including: coloring pages, DIY stress balls, virtual reality and video games, free mac and cheese, hot cocoa and hot chai.International Coffee Hour 4–5:30 p.m. UMC main dining area Stop by for free coffee, tea and snacks. This is a great opportunity to connect with the international community here at CU Boulder.Celebrating Black History Month—Men of Excellence: Cuts and Company 6–8 p.m.  ENVD 143 Join the CU Boulder Center for Inclusion and Social Change for Men of Excellence: Cuts and Company—a dialogue on your experiences.T9Hacks: Women and non-binary hackathon 6 p.m. Feb. 7 to 8 p.m. Feb. 8 ATLAS Center Join the fifth annual T9Hacks, a women and non-binary hackathon, where there will be workshops, mentors, food, games and swag. Have fun solving problems, exploring new technologies and building something creative. Open to all levels. Registration is required.Program Council Film Series: Harriet 8 p.m.  Chem 140 Join Program Council for a free screening of Harriet, the story of heroic abolitionist Harriet Tubman. Admission is free, and popcorn is provided.Saturday, Feb. 8Take the Ski Bus to Beaver Creek, Vail, Winter Park 6 a.m. Williams Village, 6:15 a.m. Kittredge, 6:30 a.m. Farrand Field  $10–$20 It’s the moment that you all have been waiting for: ski season! Buy a ski bus ticket for $20 to Beaver Creek and Vail or Winter Park, and come shred some gnar at these mountains! Busy Saturday? Catch the Ski Bus to Copper on Sunday, Feb. 9. Tickets are $20 and $10 for Herd members.CU men’s basketball vs. Stanford 4 p.m. CU Events Center Support your nationally ranked Buffs as they take on Stanford in this Pac-12 showdown. The theme is superhero day, and fans are encouraged to dress as their favorite superhero. They will have the opportunity to take pictures with characters before the game. Students who arrive early will receive free food from Raising Cane’s restaurant, while supplies last.A Far Cry performance: Memory 7:30 p.m.  Macky Auditorium Known for its innovative, unpredictable approach, the conductor-less, Grammy-nominated string orchestra A Far Cry offers a fresh perspective on Mozart, Tchaikovsky and other masters in a performance that is “a far cry” from any classical concert you’ve heard before. Sunday, Feb. 9Silicon Flatirons annual conference: Technology Optimism and Pessimism 8 a.m. to 5:30 p.m.  Wolf Law, Wittemyer Courtroom The 2020 Silicon Flatirons flagship conference will examine optimism and pessimism in the tech sector. Conference speakers will explore both the positive and negative impacts of the tech sector on individuals and society in an effort to reach a more nuanced appreciation of technological change and consider how we advance the positive impacts while mitigating the negative. Free for CU students, but registration is required.Categories:Things to DoCampus Communitylast_img read more

first_imgGov’t Implementing Policies to Ensure Growth Finance & Public ServiceApril 22, 2010 FacebookTwitterWhatsAppEmail Minister of Finance and the Public Service, Hon. Audley Shaw, has said the Government has been implementing fiscal policies to ensure growth in 2010/11.“As we strive to ensure that Jamaica is the place of choice to live, work, raise families and do business, this Government has been implementing a number of national strategies, including ensuring fiscal and debt sustainability and developing an efficient and equitable tax system,” he said.Mr. Shaw was closing the 2010/2011 Budget Debate in the House of Representatives, on Wednesday (April 21).He said the government has put in place a policy of maintaining financial system stability, as well as increasing access to capital, and developing the capabilities of micro, small and medium-sized enterprises.“Despite what critics may try to say to the contrary, our mission at the Ministry of Finance and the Public Service is crystal clear. Our role is to help to provide the enabling environment to the economy, through ensuring low inflation, competitive interest rates, a stable exchange rate, an equitable tax system and reduction in expenditure,” he explained.Mr. Shaw noted that debt servicing has fallen to $240 billion or 47 per cent of the 2010/11 budget, down from 60 per cent in 2009/10.In the meantime, he said the government was undertaking a number of administrative and legislative reforms to establish a Fiscal Responsibility Framework (FRF), which will enshrine fiscal discipline in law. RelatedGov’t Implementing Policies to Ensure Growth Advertisementscenter_img RelatedGov’t Implementing Policies to Ensure Growth RelatedGov’t Implementing Policies to Ensure Growthlast_img read more