Guinea Insurance Plc (GUINEA.ng) listed on the Nigerian Stock Exchange under the Insurance sector has released it’s 2015 annual report.For more information about Guinea Insurance Plc (GUINEA.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Guinea Insurance Plc (GUINEA.ng) company page on AfricanFinancials.Document: Guinea Insurance Plc (GUINEA.ng) 2015 annual report.Company ProfileGuinea Insurance Plc is a composite insurance company in Nigeria offering products for life and pension, general business and special risks cover. The company is one of the most highly capitalised companies in the insurance industry in Nigeria. General Accident cover includes burglary and housebreaking, electronic theft and malfunctions, public liability, professional indemnity, personal/group accident, all risk insurance, goods-in-transit and health travel insurance. Fire and Special Perils cover includes industrial all risk, consequential loss, home owners and fire and special perils insurance. Engineering cover includes machinery breakdown, plant all risk, contractor all risk and erection all risk insurance. Guinea Insurance Plc’s head office is in Lagos, Nigeria. Guinea Insurance Plc is listed on the Nigerian Stock Exchange
The squad has only two players with over 50 caps and four with two caps or less.That is not to say the team is inexperienced; six of the final 31 men have World Cup experience. For Alasdair Dickinson, Ross Ford and Sean Lamont this will be their third World Cup, for Richie Gray, Alasdair Strokosch and Richie Vernon, their second.Power over experience: a young squad to counter the powerful Samoan and South African squadsForwardsThe front row is a mix of old hands and young faces. Alasdair Dickinson and Ross Ford bring experience from two World Cups. Glasgow Warriors team-mates Ryan Grant, Gordon Reid and Fraser Brown are reliable additions and twice-capped, South African-born WP Nel, who qualified on residency rules in June, is also named, along with his Edinburgh team-mate Stuart McInally. Jon Welsh completes the front-row options.Richie Gray will be a steadying influence in the second row, accompanied by brother Jonny and Grant Gilchrist. Tim Swinson surprisingly pipped his Glasgow team-mate Rob Harley to the last space in the second row, despite being injured until the final warm-up game. After 63 caps, Jim Hamilton lost out to strong competition for lock and announced his retirement from Test rugby yesterday.Vern Cotter’s choices for the back row have raised eyebrows with the media and supporters. He has ditched Blair Cowan, an ever-present in the last 18 months, for another New Zealander, John Hardie, who has been in Scotland for five weeks and only played 57 minutes of Test rugby. He qualifies to play for Scotland through his grandmother from Fife.Kiwi in, Kiwi out: Highlander John Hardie’s selection over Blair Cowan has caused controversyJohn Barclay is also out, a surprise for some considering his try-scoring performance against Italy last weekend. Instead, Alasdair Strokosch, David Denton and Ryan Wilson join the back row, as well as uncapped Josh Strauss from South Africa, who will become eligible to play for Scotland only 4 days before the first game against Japan. Adam Ashe and Hugh Blake miss out.BacksGreig Laidlaw was predictably named captain of the World Cup squad, and will be backed up at scrum-half by Henry Pyrgos and Sam Hidalgo-Clyne. The fly-halves are Warriors Finn Russell and Duncan Weir.Scrum-half skipper: Greig Laidlaw will lead the team in Scotland’s World Cup bidIn the centres, Matt Scott, Mark Bennett and Peter Horne have been selected. Richie Vernon’s switch in position from back-row to centre also appears to have paid off.Alex Dunbar ran out of time to recover from a long-term knee injury, despite travelling to the USA for specialist surgery, while Grieg Tonks, despite solid performances in the warm-ups, also fails to make it.Stuart Hogg is the only specialist full-back named, but Stuart Maitland will be able to cover if need be. He will be joined by Sean Lamont, the most capped player in the squad, Tim Visser and Tommy Seymour. Scotland’s 31-man squad Props: Alasdair Dickinson (Edinburgh, 46 caps), Ryan Grant (Glasgow Warriors, 23 caps), Gordon Reid (Glasgow Warriors, 11 caps),Willem Nel (Edinburgh Rugby, 2 caps), Jon Welsh (Newcastle Falcons, 6 caps)Hookers: Fraser Brown (Glasgow Warriors, 9 caps), Ross Ford (Edinburgh Rugby, 88 caps), Stuart McInally (Edinburgh Rugby, 2 caps)Second row: Grant Gilchrist (Edinburgh Rugby, 10 caps), Jonny Gray (Glasgow Warriors, 14 caps), Richie Gray (Castres, 45 caps), Tim Swinson (Glasgow Warriors, 12 caps)Back-row: David Denton (Edinburgh Rugby, 27 caps), John Hardie (Unattached, 1 cap, Josh Strauss (Glasgow Warriors, 0 caps), Alasdair Strokosch (Perpignan, 45 caps), Ryan Wilson (Glasgow Warriors, 10 caps)Scrum-halves: Sam Hidalgo-Clyne (Edinburgh Rugby, 7 caps), Greig Laidlaw (Captain, Gloucester, 40 caps), Henry Pyrgos (Glasgow Warriors, 16 caps)Fly-halves: Finn Russell (Glasgow Warriors, 10 caps), Duncan Weir (Glasgow Warriors, 19 caps)Centres: Mark Bennett (Glasgow Warriors, 8 caps), Peter Horne (Glasgow Warriors, 10 caps), Matt Scott (Edinburgh Rugby, 28 caps), Richie Vernon (Glasgow Warriors, 22 caps) LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Wings: Sean Lamont (Glasgow Warriors, 96 caps), Sean Maitland (London Irish, 15 caps), Tommy Seymour (Glasgow Warriors, 17 caps), Tim Visser (Harlequins, 20 caps)Full-back: Stuart Hogg (Glasgow Warriors, 33 caps) Vern Cotter named his final 2015 World Cup squad on Tuesday, choosing the vigour of youth and power over the safety of experience. By Taylor Heyman
AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis £81m donated last year via CAF’s payroll giving scheme Last year half a million employees from over 3,000 companies across the UK donated £81 million via Charities Aid Foundation’s payroll giving scheme, Give As You Earn.This regular tax-effective giving method is continuing to grow, albeit slowly. Ten years ago (1999-2000) GAYE generated £31 million. Currently only 44% of eligible UK employees have a workplace giving scheme.Nevertheless, many companies match the donations made by their employees, often doubling the amount that goes to their employees’ chosen charities.CAF, one of the UK’s largest providers of charitable trusts, has also seen this income rise by a similar amount over the last 10 years, from £47million in 1999/2000 to £143million last year. The Foundation now manages 2,807 charitable trusts on behalf of individuals who want to set aside £10,000 or more to give to charity.John Low, Chief Executive of the Charities Aid Foundation said: “Only 44% of UK employees on a payroll have access to a workplace giving scheme. It would be great for charities and those dependent upon them if all companies offered payroll giving and the Government could boost their Big Society plans by leading this. A survey of business leaders found that 70% would support the government introducing a universal payroll giving scheme.”www.cafonline.org 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. Howard Lake | 22 September 2010 | News 27 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Tagged with: Charities Aid Foundation legacies
About Author: David Wharton Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles February 28, 2018 1,893 Views in Daily Dose, Featured, Headlines, Journal, News, Servicing Financial Results Ocwen Ocwen Financial Corporation Q4 2017 2018-02-28 David Wharton Share Save Tagged with: Financial Results Ocwen Ocwen Financial Corporation Q4 2017 Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Ocwen Reports Losses for 2017 Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Ocwen Reports Losses for 2017 Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: What’s Happening to Mortgage Default Risks? Next: Pending Home Sales on Slippery Slope Ocwen Financial Corporation, an Atlanta-based financial services holding company, reported a net loss of $128.5 million for 2017, and a pre-tax loss of $45.3 million in Q4 alone. This comes the day after the announcement that Ocwen was purchasing PHH Corporation for $360 million in cash.In spite of the reported net loss for 2017, Ocwen’s financial results were actually an improvement over their 2016, when the company reported a net loss of $199.4 million. That amounts to an annual uptick of $70.9 million. According to Ocwen’s report, the company generated $1.2 billion in revenue and $412 million in cash flows from operating activities in 2017. Ocwen reports they ended the year with $260 million in cash.Ron Faris, President and CEO of Ocwen, called 2017 “another challenging year.” However, he highlighted Ocwen’s progress “on a number of fronts, reducing our year over year loss by $70.9 million and helping over 45,000 struggling families retain their home through affordable loan modifications. We are also in an improved cash and liquidity position following the closing of our amended agreements with New Residential Investment Corp. in January 2018.”Faris added that “Our servicing business continued to perform well despite the challenges posed by continued portfolio runoff and posted its sixth consecutive quarter of pre-tax income.”Ocwen reported that the Q4 pre-tax loss of $45.3 million was affected by numerous factors, “the largest of which was $49.8 million in litigation and regulatory settlement-related expenses. Excluding these settlement-related expenses and other adjusting items that largely offset,” the report states, “the Company had an adjusted pre-tax income of $4.0 million.”Ocwen’s servicing business reported $28.6 million of pre-tax income for Q4 2017 and $46.7 million of pre-tax income for the full year. That’s up $43.3 million over 2016.During 2017, Ocwen completed 45,682 loan modifications, of which 27.9 percent were Home Affordable Modification Program (HAMP) modifications. The company also reported a slight decrease in delinquencies. Between September 30, 2017, and December 31, 2017, delinquencies dropped from 9.4 percent to 9.3 percent.Ocwen’s full release detailing their 2017 and Q4 2017 financial results can be found here. Subscribe
RELATED ARTICLESMORE FROM AUTHOR Google+ Google+ 365 additional cases of Covid-19 in Republic 75 positive cases of Covid confirmed in North Man arrested on suspicion of drugs and criminal property offences in Derry Further drop in people receiving PUP in Donegal Pinterest WhatsApp WhatsApp Gardai continue to investigate Kilmacrennan fire Main Evening News, Sport and Obituaries Tuesday May 25th Pinterest By News Highland – December 18, 2009 Facebook News The ICSA is urging Donegal farmers to withhold their cattle for slaughter, in protest at the price being paid for their animals by processors.Outgoing President Malcolm Thompson says the price being paid to farmers now is below break even point, and well below what is being paid in the UK and Europe.He says that farmers are using other payments they receive to prop up the beef industry here, and that needs to stop. Facebook Previous articleCouncil outlines timetable for Milford worksNext articleCouncillor says too much work is done behind closed doors News Highland Twitter Farmers should withdraw cattle from processors Twitter
DNY59/iStock(DALLAS) — When Amber Guyger placed her key in the door of apartment No. 1478 at the South Side Flats apartment complex in Dallas, she set off a chain of events that cost an innocent man his life and ended her career as a police officer.A little more than a year after Guyger, 31, fatally shot Botham Jean when she mistook his apartment for her own apartment one floor below, prosecutors are asking a Texas jury to convict her of murder. But defense attorneys have countered that Guyger made a tragic and “reasonable mistake,” believing she’d interrupted an intruder in her own home and using lethal force to defend herself.Had he lived, Jean would have celebrated his 28th birthday on Sunday.Guyger’s trial resumed on Monday.Here is a timeline of events that led to days of protests in the streets of Dallas and calls for justice from Jean’s loved ones in the Caribbean nation of Saint Lucia:Sept. 6, 2018 — Botham Jean, an accountant at the international auditing firm PriceWaterhouseCoopers, is in his apartment eating ice cream when Guyger, who has just capped off a 13 1/2-hour shift as a Dallas police officer by helping a SWAT team arrest three suspected robbers, enters through his unlocked door and fatally shoots him in the chest after mistaking him for a burglar. Moments after the shooting, Guyger realizes she is in the wrong apartment.Sept. 9, 2018 — An arrest warrant is issued for Guyger, charging her with manslaughter. She is released on $300,000 bond and put on administrative leave from her job. Guyger, according to an arrest warrant affidavit, told investigators she arrived home from work about 10 p.m. and mistakenly parked her pickup truck on the fourth floor of the building instead of the third floor, which corresponded to her apartment. She claimed she then walked down a hallway to an apartment she thought was hers, but when she inserted the key she found the door was slightly ajar. As she entered the apartment she heard someone inside and saw a “large silhouette” in the nearly completely darkened apartment that she thought was a burglar. She fired twice after telling the person she believed to be an intruder to show his or her hands, authorities said.Sept. 11, 2018 — Lee Merritt, an attorney for Jean’s family, calls Guyger’s story “highly implausible.” Dallas County District Attorney Faith Johnson says she has not ruled out a murder indictment.Sept. 13, 2018 — Hundreds of friends, loved ones and work colleagues pack Jean’s funeral at the Greenville Avenue Church of Christ in the Dallas suburb of Richardson. Several busloads of students and former classmates of Jean from Harding University, a Christian liberal arts college in Searcy, Arkansas, where Jean graduated in 2016, also attend the service. “The sound of gunshots did not have the resonance to be heard on our small island, but their impact was of nuclear proportions,” Jean’s uncle, Ignatius Jean, who traveled from Saint Lucia, tells mourners. “A nuke had been unleashed on our family by someone charged to protect and serve.”Sept. 24, 2018 — Dallas Police Chief Renee Hall announces Guyger has been fired. Hall says her decision to terminate Guyger was made after an internal affairs investigation concluded that Guyger “engaged in adverse conduct” when she fatally shot Jean.Nov. 30, 2018 — A Dallas County grand jury indicts Guyger on one count of murder. “I truly believe that she inflicted tremendous evil on my son. He didn’t deserve it,” Jean’s mother, Allison Jean, tells reporters. He felt safe in that apartment and he was violated.” Guyger pleads not guilty.Jan. 20, 2019 — A woman who filmed the aftermath of the shooting of Jean claims in an interview that she has been receiving death threats and was fired from her job after she uploaded the video to social media. The footage shows an apparently distressed Guyger, still in her police uniform, talking on her phone as she paces back and forth outside Jean’s apartment on Sept. 6.April 30, 2019 — The 911 call made by Guyger after she shot Jean is obtained by ABC Dallas station WFAA. In the call, Guyger repeatedly tells a dispatcher, “I thought it was my apartment,” and says, “I’m going to lose my job.”Sept. 23, 2019 — Guyger’s murder trial begins in Dallas. Prosecutor Jason Hermus asks the jury to convict Guyger of murder, saying she gave Jean “no opportunity for de-escalation, no opportunity for him to surrender” before she opened fire, killing him. Defense attorney Robert Rogers accuses the prosecution of “making innocent mistakes into evil acts.” He says the “only justice, in this case, is to find Amber Guyger not guilty.”Sept. 24, 2019 — Jurors are shown the harrowing bodycam footage in court from inside the apartment complex that captured arriving officers’ confusion after the shooting. Guyger is seen directing officers to Jean’s apartment, telling them, “I thought it was my apartment. I thought it was my apartment.” At one point in the video, officers on the scene could be seen taking turns desperately trying to revive Jean as he lay unconscious on his living room floor.Sept. 25, 2019 — Texas Ranger David Armstrong, lead homicide investigator on the high-profile case, testified without the jury in the courtroom, saying that based on the investigation he doesn’t believe Guyger committed a crime when she shot Jean and that it was “reasonable” for her to “perceive him as a deadly threat.” Judge Kemp refuses to allow Armstrong to state his opinions in front of the jury, but defense attorneys say they plan to call him back to the stand as an expert witness.Sept. 26, 2019 — Guyger testifies in her own defense, telling the jury of the moment she came face-to-face with Jean after opening the wrong apartment door. “I was scared to death,” she testifies, adding that her “heart rate just skyrocketed.” Overcome with emotion, Guyger breaks down several times on the witness stand, telling the jury, “I’m so sorry. I never wanted to take an innocent person’s life.” She adds, “I wish he was the one with the gun that killed me.”Copyright © 2019, ABC Radio. All rights reserved.
Share on FacebookShare on TwitterShare on LinkedinShare via Email Share via Shortlink Message* In his virtual sit-down with TRD, Donovan pointed out that crafting an effective housing policy is pointless if you can’t execute it, a task that requires political talent as much as policy expertise. He said he could build the coalitions and public support needed to implement his plan, which he said would soon be released in detail.He did give away one major component in his interview, saying inclusionary housing should be citywide rather than depend on rezoning one neighborhood at a time — a de Blasio administration strategy that failed when minority members of the City Council decided it would displace their constituents, despite being designed to do the opposite.Contact Erik Engquist Email Address* TagsAffordable Housingdepartment of housing preservation and developmentHousing MarketPoliticsU.S. Department of Housing and Urban DevelopmentVideo Full Name* Share via Shortlink Say this for Shaun Donovan: If he succeeds in his bid to become mayor of New York City, he would never need aides to explain terms like AMI, MIH and FAR.Housing jargon has been second nature to Donovan, 55, for his entire career, as he noted in a Zoom interview with The Real Deal last week. Donovan was commissioner of the city Department of Housing Preservation and Development under Mayor Michael Bloomberg and Secretary of Housing and Urban Development under President Obama.Whoever becomes the city’s next chief executive will need to understand such terms to make a dent in its seemingly endless housing crisis.Less certain is whether knowing those acronyms (in case you’re wondering: area median income, mandatory inclusionary housing and floor-area ratio) will help him win the election, which figures to be decided in June’s Democratic primary.Voters tend to be won over by soaring rhetoric and catchy slogans, such as City Comptroller Scott Stringer’s pledge to replace the “gentrification industrial complex” with “universal affordable housing.”Read moreEx-Obama housing secretary registers as mayoral candidateFormer HUD secretary Donovan buys Boerum Hill carriage houseWhere real estate’s money is going in the race for mayor
Whistler mode signals from VLF transmitters received at Faraday, Antarctica (65° S, 64° W) during 1986–1991 show an annual variation in the number of hours over which signals are observed, with a maximum in June and a minimum in December. The variation was larger at solar minimum than at maximum and can be understood in terms of changes in absorption of VLF signals in the D-region, where the high geographic latitude of Faraday plays an important role in producing low attenuation levels during the austral winter. In contrast, very little such variation was observed at Dunedin, New Zealand (46° S, 171° E) in 1991. Nighttime whistler mode signals have start and end time trends that are consistent with the influence of F-region absorption. Increases in whistler mode occurrence appear to be associated with periods of high geomagnetic activity at solar maximum but not during solar minimum. A possible mechanism involving decreased F-region absorption is discussed.
Mertz Glacier (MG) calved in February 2010 and a 70-years’ calving cycle of MG was reported recently because of the shallow Mertz Bank. To better investigate the calving process, a high accurate surface Digital Elevation Model (DEM) with accurate date marker over MG is urgently required for numerical modeling, especially over the ice tongue. However it is quite challenging to generate an accurate DEM over high relief and steep slope regions. To solve this problem, a new method for accurate coastal DEM production by merging ASTER GDEM and ICESat/GLAS data is designed, which can effectively discriminate accurate elevation data from ASTER GDEM. Then, a DEM corresponding to the end of 2002 over MG is generated, which has an accuracy of 0.99 ± 17.50 m. This DEM is several times better in accuracy than the original ASTER GDEM (accuracy: − 8.17 ± 54.31 m) and two new characteristics of ASTER GDEM have been found through analysis. First, ASTER GDEM has elevation bias (varying from − 23 m to 28 m), spatially correlated to ASTER ground tracks, which was most probably caused by uncertainty of attitude measurements of ASTER. Second, ASTER GDEM grids with stacking number ≥ 4 can be effectively adjusted by ground control points so as to improve elevation accuracy. Additionally, this DEM has the best accuracy by comparing with other DEMs (RAMP DEM: 47.71 ± 91.61 m, ICESat/GLAS DEM: − 1.01 ± 30.33, Bamber DEM: − 1.07 ± 33.04 m, Bedmap-2 DEM: 9.19 ± 48.34 m, and Cryosat-2 DEM: − 5.42 ± 32.02 m). The high performance of our DEM in accuracy indicates that our method is effective and has a potential to be widely used to improve existing ASTER GDEM along Antarctic coast.
The waters of the Southern Ocean exhibit extreme seasonality in primary production, with marine life living below 0 °C for much of the year. The metabolic cold adaptation (MCA) hypothesis suggests that polar species need elevated basal metabolic rates to enable activity in such cold which should result in higher metabolic rates, or at least rates similar to temperate species. This study aimed to test whether any of the five common marine invertebrates around Adelaide Island (Western Antarctic Peninsula) displayed MCA: the suspension-feeding holothurian Heterocucumis steineni, the grazing limpet Nacella concinna, and the omnivorous brittle star, cushion star and sea-urchin Ophionotus victoriae, Odontaster validus and Sterechinus neumayeri, respectively. We also tested a second hypothesis that secondary consumers will exhibit less seasonal variation of metabolic rate than primary consumers. Routine oxygen consumption was measured in both the austral summer and winter using closed circuit respirometry techniques. Metabolic rates for all the species studied were low compared with temperate species, in a fashion consistent with expected temperature effects on biological systems and, therefore, the data do not support MCA. All the species studied showed significant seasonal differences for a standard mass animal except N. concinna. In two species N. concinna and H. steineni, size affected the seasonality of metabolism. There was no difference in seasonality of metabolism between primary and secondary consumers. Thus, for secondary consumers seasonal factors, most likely food availability and quality, vary enough to impact metabolic rates, and produce seasonal metabolic signals at all trophic levels. Other factors such as reproductive status that are linked to seasonal signals may also have contributed to the metabolic variation across trophic levels.