City backlash against ECJ insurance rule

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The Lloyds share price: here’s what I expect next

first_imgThe Lloyds share price: here’s what I expect next Roland Head | Saturday, 27th February, 2021 | More on: LLOY Last week’s 2020 results from Lloyds Banking Group (LSE: LLOY) received a cautious reception from the market. Lloyds’ share price ended the day flat, but I didn’t think the 2020 numbers were too bad. After a tough first half of the year, the bank’s performance was much stronger during the second part of the year.I’m interested in Lloyds shares because I think the bank could be a classic value play. The shares are trading 20% below book value and my analysis suggests the bank’s dividend payout could recover strongly from 2021.5G 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…A turning point?The PRA — the UK’s banking regulator — barred the big banks from paying dividends last year. Lloyds’ shareholders missed out on the 2019 final dividend and the 2020 interim payout.The dividend ban caused Lloyds’ share price to crash, but the regulator was worried that the pandemic would trigger a wave of bad debt, leaving the banks short of cash.So far, this hasn’t happened. What did happen is that banks including Lloyds allowed dividend cash to pile up on their balance sheets, creating a buffer to handle future losses. I estimate that by cancelling the dividend, Lloyds saved around £2.3bn last year.Banks have now been allowed to restart dividend payments. Lloyds shareholders will receive a payout of 0.57p per share for 2020, giving a yield of 1.5%. That’s the maximum allowed by the PRA for 2020, but if profits recover in 2021, a much bigger dividend should be possible.Profits could double in 2021We don’t yet know how quickly the economy will bounce back when Covid-19 restrictions finally end. The bank’s management admit that government support measures and payment holidays have probably prevented — or delayed — some business failures and job losses.However, Lloyds’ accounts also show that both consumers and businesses were hoarding cash and repaying debt during 2020. These cash reserves could support a strong recovery for the economy.City banking analysts certainly expect Lloyds profits to stage a strong recovery. Ahead of Wednesday’s full-year results, consensus forecasts suggested that Lloyds’ pre-tax profit could double in 2021. A dividend of 1.6p was pencilled in for 2021, giving a yield of 4.1%.Lloyds share price: what next?There are clear risks here. As a UK-only bank, Lloyds’ performance is heavily linked to the wider UK economy. If the pandemic is followed by a long recession, then the bank’s losses could be greater than expected. This could limit dividend payments.Even if things go well, delivering growth could be tough. Lloyds is already one of the UK’s largest financial institutions. Where can it go next?According to management, the bank’s new strategy will be to focus on becoming the “preferred financial partner” for its existing clients. That means focusing on areas such as wealth management and insurance for existing customers. Corporate clients may be targeted with add-on services such as foreign exchange.I’ve been wrong about Lloyds share price before. But my view today is that Lloyds is in good shape and could satisfy my requirements as a dividend share. I’d consider buying the stock as a long-term hold at current levels. See all posts by Roland Head Image source: Getty Images 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. Click here to get access to our presentation, and learn how to get the name of this ‘double agent’! Don’t miss our special stock presentation.It contains details of a UK-listed company our Motley Fool UK analysts are extremely enthusiastic about.They think it’s offering an incredible opportunity to grow your wealth over the long term – at its current price – regardless of what happens in the wider market.That’s why they’re referring to it as the FTSE’s ‘double agent’.Because they believe it’s working both with the market… And against it.To find out why we think you should add it to your portfolio today…center_img 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. Simply click below to discover how you can take advantage of this. Enter Your Email Address Roland Head has no position in any of the shares mentioned. The Motley Fool UK has recommended Lloyds Banking Group. 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. There’s a ‘double agent’ hiding in the FTSE… we recommend you buy it!last_img read more

Manu Tuilagi learning salsa dancing to aid recovery

first_img“I went for a 7.5km hike with him around Macclesfield Forest last Friday and he was on great form,” said Sanderson. “We went up to the highest point of Macc Forest. He was climbing over boulders and it’s really undulating terrain, that’s why we took him. He’s got another one this Friday that’s 10km.“It’s about seven to eight weeks for him, maybe. Definitely he’ll play again this season. It’s good to see him up and about. He’s a good lad so he’s adding energy to the place.”Sale currently sit fourth in the Premiership, just above Northampton Saints, and just below Harlequins. Manu Tuilagi on the charge for Sale Sharks (Getty Images) Manu Tuilagi learning salsa dancing to aid recoveryEngland and Sale Sharks centre Manu Tuilagi has taken up salsa dancing to aid his recovery from an Achilles tendon tear. Tuilagi – who sustained the injury against Northampton in September – is expected back on the field in eight weeks, just in time for Sale’s closing regular season matches and possibly a Premiership play-off run-in if they progress. He could well work his way back into British & Irish Lions contention too. “Manu’s walking and learning salsa,” said Sale DoR Alex Sanderson, reports PA’s Duncan Bech. “If you’re hiking and doing salsa you can’t be far off playing rugby. LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALScenter_img The Sale and England centre has also been hiking Can’t get to the shops? You can download the digital edition of Rugby World straight to your tablet or subscribe to the print edition to get the magazine delivered to your door.Follow Rugby World on Facebook, Instagram and Twitter. “The salsa is for his ankle and a wife of one of the players is taking [coronavirus] tests because she’s able to teach him salsa. I haven’t watched him salsa, but he’s good with his feet for a big guy.last_img read more

Pacific Asia Museum to Open Newly Renovated Chinese Gallery

first_img Make a comment Community News On October 18, 2013, Pacific Asia Museum will open the newly renovated Ralph and Angelyn Riffenburgh Gallery featuring Chinese art as part of its continued renovations of the permanent collection galleries.In 2010, Pacific Asia Museum launched a long-range plan to renovate and reinterpret its permanent collection galleries with a thematic approach to significantly enhance the visitor experience. The museum successfully opened the Introductory Gallery featuring The Art of Pacific Asia in 2011 and the new Gallery of Korean Art in 2012. Through 2015, the museum will continue renovating several other galleries to reflect up-to-date scholarship and better present its permanent collection to visitors while protecting it for future generations through upgrades to climate controls, lighting and display cases.The Ralph and Angelyn Riffenburgh Gallery has featured the Pacific Asia Museum’s significant collection of Chinese ceramics since 1999. This renovation brings it in line with the new thematic approach in the museum’s permanent galleries, and displays a broader range of the arts of China including paintings, textiles and sculptural works, which will benefit from the state of the art improvements in climate control in the gallery. The five themes in the gallery are Philosophical and Religious Ideas, Art and Commerce, Tradition and Innovation, Status and Adornment and “Reading” Symbols. Within each of these sections, multiple objects in different media give the visitor a deeper understanding of the role art has played in Chinese society for centuries. For example, the Tradition and Innovation section will use a combination of contemporary and historic art to show how artists and artisans have responded to and reinterpreted traditions throughout history.Notable works in the gallery include an excellently-preserved 15th-century painting of a lohan, a carved nephrite bowl, and a rare late Ming chair. The space also includes a number of interactive stations that add further opportunities to engage with the concepts laid out in the exhibition.“As China continues to grow in importance on the international stage, it’s vital that Pacific Asia Museum works to increase cultural literacy in our community,” said Curator Bridget Bray. “This updated gallery reflects the rich artistic heritage of China and allows our visitors to gain a deeper understanding of the culture, whether they share in that heritage or have an interest in learning more.”The renovation and exhibition are generously supported by the E. Rhodes and Leona B. Carpenter Foundation, Margaret Leong Checca and Michael Checca, the Institute of Museum and Library Services, the David Kamansky Fund, Violet Ouyang, Maria Low Way, Albert and Yvonne Chang, June and Simon Li, Kenneth and Louise Tang, and the China Society of Southern California for the project, as well as the Collectors’ Circle which will make the presentation of contemporary Chinese art possible in the gallery. The inclusion of contemporary art will help execute the museum’s mission of advancing intercultural understanding through the arts of Asia and the Pacific Islands in an increasingly relevant way in this global era.About Pacific Asia MuseumPacific Asia Museum is among the few institutions in the United States dedicated exclusively to the arts and culture of Asia and the Pacific Islands. The museum’s mission is to further intercultural understanding through the arts of Asia and the Pacific Islands. Since 1971, Pacific Asia Museum has served a broad audience of students, families, adults, and scholars through its exhibitions and programs.Pacific Asia Museum is located at 46 North Los Robles Avenue, Pasadena. The museum is open Wednesday through Sunday from 10 a.m. to 6 p.m. Admission is $10 general, $7 students/seniors, and free for museum members and children under 12. Admission is free every 4th Friday of the month. For more information visit or call (626) 449-2742. Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Your email address will not be published. Required fields are marked * Top of the News Community News 12 recommended0 commentsShareShareTweetSharePin it Subscribecenter_img Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday around town 6 Pacific Asia Museum to Open Newly Renovated Chinese Gallery From STAFF REPORTS Published on Wednesday, October 2, 2013 | 12:08 pm Name (required)  Mail (required) (not be published)  Website  faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Business News First Heatwave Expected Next Week HerbeautyWant To Seriously Cut On Sugar? You Need To Know A Few TricksHerbeautyHerbeautyHerbeautyIt Works Great If Weight Loss Is What You’re Looking For!HerbeautyHerbeautyHerbeautyThis Trend Looks Kind Of Cool!HerbeautyHerbeautyHerbeautyIs It Bad To Give Your Boyfriend An Ultimatum?HerbeautyHerbeautyHerbeauty9 Of The Best Family Friendly Dog BreedsHerbeautyHerbeautyHerbeautyInstall These Measures To Keep Your Household Safe From Covid19HerbeautyHerbeauty Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. More Cool Stufflast_img read more

Criticism levelled at conditions in Limerick Prison

first_imgLinkedin Built for 185 prisoners but 322 detained in July 2010LIMERICK Prison came for criticism in the Irish Prison Chaplains Annual Report 2010, citing that it was originally built for 185 prisoners, but on July 23 last, 322 prisoners were detained. The report said that some Irish prisons were noted as “inhumane and degrading.Sign up for the weekly Limerick Post newsletter Sign Up Email Print Facebook WhatsApp Twitter Advertisement The report says that “where in-cell sanitation is not available (Mountjoy, Limerick and Cork) overcrowding involves two, three, four or more prisoners in cells designed for one or two, in which prisoners have to defecate in a chamber pot in the presence of the other prisoners, in a confined space which is also their living and eating area.“Bed capacity in Limerick is 290, and structured activity is available for a maximum of 195 prisoners”.The Report, released last week, noted the escalating drug use, overcrowding and “degrading” conditions within the prison system.With such overcrowding prevalent, it describes Ireland’s prison policy as a disaster and is strongly critical of the Department of Justice, the Irish Prison service and Minister for Justice, Dermot Ahern.“Conditions are degrading, humiliating and completely unacceptable. It is not acceptable to cite cost factors, even in a recession, as an excuse to continue to incarcerate prisoners in such degrading conditions”.It adds that “conditions in many of our prisons are an insult to the decency of any human being and an affront to the basic tenets of decency,” and claims “a culture of conformity exists within the system which resists any criticism or challenge”.In addition, St Patrick’s Institution for young people and children (16 to 21) is highlighted as a cause of serious concern.It is further claimed that most prisons are drug-filled.In 2000, a national survey of prisoners found that 52 per cent had used heroin and five years later a subsequent survey found that 59 per cent of male sentenced prisoners had a drug dependency.27,227 random drug tests were carried out in Irish prisons in 2009 and 7,309 tested positive for heroin, 6,110 tested positive for cannabis 675 tested positive for cocaine, some testing positive for more than one drug.The report recommends the pressing need to explore non-custodial options for prisoners who have committed less serious offences.“Making our prisons safer and drug free is in everyone’s interest. The only obstacle is political will”. NewsLocal NewsCriticism levelled at conditions in Limerick PrisonBy admin – December 6, 2010 657 Previous article‘The dole would pay me more’ – HouriganNext article20 self-cocking crossbows seized in shop raid adminlast_img read more

Limerick company Global Sauces claims national Best Start-Up Award

first_imgLimerick’s National Camogie League double header to be streamed live Previous articleSoccer – Holders Kerry League off to good start in SFAI Kennedy CupNext articleGAA – Limerick Weekly Hurling/Football Fixtures Staff Reporter Billy Lee names strong Limerick side to take on Wicklow in crucial Division 3 clash RELATED ARTICLESMORE FROM AUTHOR BusinessNewsLimerick company Global Sauces claims national Best Start-Up AwardBy Staff Reporter – June 14, 2016 1658 TAGSEnterprise IrelandGlobal SaucesLiam HayeslimerickMary Mitchell O’Connor TDMinister for Jobs Enterprise and InnovationVincent Sheehan Facebook Advertisement Twitter Limerick Artist ‘Willzee’ releases new Music Video – “A Dream of Peace” center_img WhatsApp Predictions on the future of learning discussed at Limerick Lifelong Learning Festival Print OUR PICTURE shows; Bernie Moloney, LEO Limerick with Liam Hayes, Global Sauces, Mary Mitchell O’Connor, Minister for Jobs, Enterprise and Innovation, Vincent Sheehan, Global Sauces and Ciara Finlay, LEO LimerickTHE success of Global Sauces winning the ‘Best Start-Up Award’ at the National Enterprise Awards has been recognised as another positive reflection of the strong entrepreneurial ecosystem in place in Limerick.Mayor of Limerick Cllr Liam Galvin made his remarks after the Raheen company was nominated for the award by the Local Enterprise Office Limerick.“Limerick has a great history of entrepreneurship and without getting into names, it’s fair to say that it has spawned hugely successful companies at a local, national and, indeed, international level. Global Sauces’ Best Start-Up Award win is among those companies and this national success is much deserved recognition,” said Mayor Galvin.Sign up for the weekly Limerick Post newsletter Sign Up “Liam Hayes and Vincent Sheehan have developed a successful business already employing eight people and if this award is anything to go by, that number is likely to grow in the years ahead. The more indigenous companies that grow here, the more employment we will have so this is good news not just for Global Sauces but also Limerick.”The Minister for Jobs, Enterprise and Innovation, Ms. Mary Mitchell O’Connor TD presented the Best Start-Up Award to the Limerick-based manufacturer of sauces at this year’s National Enterprise Awards held at Dublin’s Aviva Stadium.Set-up in 2013, the company manufacturers over thirty different varieties of sauce for the food service, processing and retail sectors and is expanding into the UK market later this year.Head of Enterprise with Local Enterprise Office Limerick, Eamon Ryan, was among the first to congratulate the Limerick winners, saying: “The team at Global Sauces are achieving real growth and are truly a start-up success story. With an increasing portfolio of specialist products and fast-growing sales, the company is very well-placed for expanding into the UK market from their Limerick base.OUR PICTURE shows; Bernie Moloney, LEO Limerick with Liam Hayes, Global Sauces, Mary Mitchell O’Connor, Minister for Jobs, Enterprise and Innovation, Vincent Sheehan, Global Sauces and Ciara Finlay, LEO Limerick Email Linkedin Limerick Ladies National Football League opener to be streamed live WATCH: “Everyone is fighting so hard to get on” – Pat Ryan on competitive camogie squads last_img read more

Mortgage Rates Continue Month-Long Slide

first_img Previous: Young Adults Aging Out of Foster Care Face Unique Housing Challenges Next: Survey: Mortgage Insurance Costs Negatively Impacts Homeowners Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Headlines, Market Studies, News Demand Propels Home Prices Upward 2 days ago May 30, 2014 848 Views Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Tagged with: Bankrate Fixed-Rate Mortgage Freddie Mac Mortgage Rates Bankrate Fixed-Rate Mortgage Freddie Mac Mortgage Rates 2014-05-30 Tory Barringer Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Mortgage Rates Continue Month-Long Slide The Week Ahead: Nearing the Forbearance Exit 2 days ago Mortgage rate declines have continued now for more than a month straight, bringing interest rates down once again to new 2014 lows.In its weekly released Primary Mortgage Market Survey, Freddie Mac found the average rate for a 30-year fixed-rate mortgage (FRM) was 4.12 percent (0.6 point) for the week ending May 29, down from 4.14 percent last week and the lowest 30-year fixed average since October 2013.The 15-year FRM also slid down, averaging 3.21 percent (0.5 point) compared to last week’s 3.25 percent.The latest rate movements accompanied mixed news in the housing market, noted Frank Nothaft, Freddie Mac’s chief economist: “Fixed mortgage rates eased a bit for the fifth consecutive week as reports thatexisting home sales are up 1.3 percent but not as much as expected. However, new home sales rose 6.4 percent in April to a seasonally adjusted annual rate of 433,000, which followed an upward revision of 11,000 units for the prior two months.”Movements were mixed for adjustable-rate mortgages (ARMs). According to Freddie Mac, the 5-year Treasury-indexed hybrid ARM averaged 2.96 percent (0.3 point), unchanged from the last survey. Meanwhile, the 1-year ARM averaged 2.41 percent (0.4 point), down from 2.43’s weekly national survey also showed declines for fixed rates, though adjustable rates were up. According to the finance site’s latest data, the 30-year fixed last week averaged 4.25 percent, while the 15-year fixed was down to 3.35 percent. The 5/1 ARM, on the other hand, edged up a few basis points to 3.24 percent.With the Federal Reserve tapering its stimulus purchases, analysts for Bankrate say it’s outside pressures pushing rates down: “A number of factors come into play: disappointing U.S. economic growth at the start of 2014; slower growth in emerging markets; the prospect of European stimulus measures; and geopolitical issues around the globe, to name a few. But the bottom line is this—any time investors get nervous, whatever the reason, it is good news for mortgage shoppers.” Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 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 Home / Daily Dose / Mortgage Rates Continue Month-Long Slide Subscribelast_img read more

Paper highlights James McDaid’s lack of Dail attendance

first_img Help sought in search for missing 27 year old in Letterkenny Twitter The introduction of a “clocking in” system in Leinster House is not encouraging our TDs to turn up for work.The Sunday Times reports that in the two weeks immediately after it was brought in, just 17 of the 166 TDs reported for work every day.However, Monday and Friday are non-sitting days.Former Defence Minister Willie O’Dea, who says he was still dealing with the trauma of losing his ministry, didn’t attend at all during the two week period.And Donegal Deputy James McDaid TD, who is refusing to give up his Ministerial pension, only clocked in twice. NPHET ‘positive’ on easing restrictions – Donnelly Pinterest Twitter Calls for maternity restrictions to be lifted at LUH Google+ Facebook Facebook WhatsApp By News Highland – May 2, 2010 center_img Google+ Paper highlights James McDaid’s lack of Dail attendance 448 new cases of Covid 19 reported today RELATED ARTICLESMORE FROM AUTHOR WhatsApp Previous articleCoughlan says government’s tough decision will save economyNext articleGAA – Donegal lose to Dublin in All Ireland Final News Highland Pinterest Three factors driving Donegal housing market – Robinson Newsx Adverts Guidelines for reopening of hospitality sector publishedlast_img read more

Full refunds on offer for cancelled Union J concerts

first_img Google+ Full refunds on offer for cancelled Union J concerts By News Highland – January 3, 2013 Facebook Twitter WhatsApp Pinterest Refunds are being offered for those who had tickets for the Union J appearances in Derry and Letterkenny this evening which have been cancelled.The appearances were cancelled yesterday when one of the band members was injured in an accident.The promoters are saying, that from tomorrow, anyone who bought a ticket can get a refund including their booking fee.Promoter Robert Allen of R& S Promotions told the Shaun Doherty Show that they had hoped to reschedule the concerts but could not agree a suitable date with the bands management:[podcast][/podcast] Pinterest Facebook Minister McConalogue says he is working to improve fishing quota Google+center_img 70% of Cllrs nationwide threatened, harassed and intimidated over past 3 years – Report Almost 10,000 appointments cancelled in Saolta Hospital Group this week Previous articleDonegal records ‘normal’ sunshine, temperature and rainfall levels in 2012Next articleMacra Na Feirme calls for more youth Mental Health in rural areas News Highland WhatsApp News LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Need for issues with Mica redress scheme to be addressed raised in Seanad also Twitter RELATED ARTICLESMORE FROM AUTHOR Dail hears questions over design, funding and operation of Mica redress schemelast_img read more

Urgent clarity sought on respite services at Seaview House

first_img By News Highland – March 6, 2019 Twitter DL Debate – 24/05/21 Facebook Journey home will be easier – Paul Hegarty RELATED ARTICLESMORE FROM AUTHOR Facebook AudioHomepage BannerNews WhatsApp Google+ Twitter Google+center_img WhatsApp Urgent clarity sought on respite services at Seaview House Previous articleDonegal woman convicted of failing to provide sufficient food for dogNext articleDonegal men charged with Sydney murder have case adjourned News Highland There are renewed calls for both the Minister for Health and the HSE to deliver on their commitment to enhance and increase respite services at Seaview House.It follows the announcement last November in which it was confirmed that responsibility for respite care services were being reassigned to the RehabCare group, the firm chosen to take over the south Donegal facility.Local Cllr Noel Jordon says promises were made as part of the handover and families are concerned to if and when they will be fulfilled.He’s demanding urgent clarity on a number of outstanding issues:Audio Player Up/Down Arrow keys to increase or decrease volume. Pinterest FT Report: Derry City 2 St Pats 2 Harps come back to win in Waterford Pinterest Derry draw with Pats: Higgins & Thomson Reaction News, Sport and Obituaries on Monday May 24thlast_img read more