Dairibord Holdings Limited (DZL.zw) listed on the Zimbabwe Stock Exchange under the Food sector has released it’s 2013 interim results for the half year.For more information about Dairibord Holdings Limited (DZL.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the Dairibord Holdings Limited (DZL.zw) company page on AfricanFinancials.Document: Dairibord Holdings Limited (DZL.zw) 2013 interim results for the half year.Company ProfileDairibord Zimbabwe Private Limited (DZL Holdings Limited) is the largest dairy company in Zimbabwe; producing and marketing a range of fresh milk and ready-to-drink and long-life milk products. The company also owns Lyons Zimbabwe; a food company that manufactures and markets ice-cream, cordials, condiments and spreads, tea and mineral water; ME Charhons which manufactures biscuits and baking products; and has a majority stake in Dairibord Malawi. The company is wholly-owned by Lavenson Investments Private Limited and is the flagship subsidiary of Dairiboard Holdings Limited. DZL Holdings Limited owns four property companies; Goldblum Investments (Private) Limited, Chatmoss Properties (Private) Limited, Quallinnex Properties (Private) Limited and Slimline Investments (Private) Limited. Its export markets include Zambia, Botswana, Malawi, Mozambique and South Africa. Dairibord Zimbabwe Private Limited is listed on the Zimbabwe Stock Exchange
Eterna Plc (ETERNA.ng) listed on the Nigerian Stock Exchange under the Energy sector has released it’s 2014 interim results for the third quarter.For more information about Eterna Plc (ETERNA.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Eterna Plc (ETERNA.ng) company page on AfricanFinancials.Document: Eterna Plc (ETERNA.ng) 2014 interim results for the third quarter.Company ProfileEterna Plc manufactures and sells a range of lubricants and petroleum products aswell as supplies imported fuels for the retail, industrial, agricultural, automotive, marine and energy sectors in Nigeria. The Trading division bulk imports and sells premium motor fuels and automotive gas oil, dual purpose kerosene, base oils, bitumen. low pour fuel oil and crude oil. The company has a technical trading relationship with Castrol BP, leaders in global lubricant technology and specialty chemicals. Through a distributorship agreement, Eterna Plc has exclusive rights to import and market Castrol products in Nigeria and the ECOWAS sub-region. The company has a lubes blending plant with a state-of-the-art laboratory that produces Castrol products as well as a coastal tank farm in Lagos with a capacity of 34 million litres; an aviation depot at Nnamdi Azikwe International Airport in Abuja; a coastal storage facility in Ikot Abasi and Akwa Ibon state and filling stations located in the major towns and cities of Nigeria. The business was established in 1991 as Eterna Oil & Gas Limited and re-registered as a public limited company in 1997. Its head office is in Lagos, Nigeria. Eterna Plc is listed on the Nigerian Stock Exchange
Longhorn Publishers Plc (LKL.ke) listed on the Nairobi Securities Exchange under the Retail sector has released it’s 2016 abridged results.For more information about Longhorn Publishers Plc (LKL.ke) reports, abridged reports, interim earnings results and earnings presentations, visit the Longhorn Publishers Plc (LKL.ke) company page on AfricanFinancials.Document: Longhorn Publishers Plc (LKL.ke) 2016 abridged results.Company ProfileLonghorn Publishers Plc publishes and sells educational and general books and distributes them through retail and ecommerce channels to customers in Kenya, Uganda, Tanzania, Malawi and Rwanda. Formerly known as Longhorn Kenya Limited, the company changed its name to Longhorn Publishers Limited in 2014. The company publishes reading material for all levels of education under five main brands; eLearning material, educational text books, fiction and nonfiction books and material for tertiary colleges and universities. Longhorn Publishers acquired the intellectual property of Sasa Sema Publications Limited and provides reference books, creative works, biographies and general knowledge books in either print or non-print (electronic) format. Longhorn Publishers is the only publisher with full approval by the Ministry of Education in Kenya and mandated to supply text books for 12 key subjects for secondary and primary schools. Longhorn eBooks store is a digital platform created by the publishing house and the largest eBook library in the Africa sub-region. The company head office is in Nairobi, Kenya. Longhorn Publishers Plc is listed on the Nairobi Securities Exchange
Centum Investment Company Limited (CENT.ug) listed on the Uganda Securities Exchange under the Investment sector has released it’s 2020 annual report.For more information about Centum Investment Company Limited (CENT.ug) reports, abridged reports, interim earnings results and earnings presentations, visit the Centum Investment Company Limited (CENT.ug) company page on AfricanFinancials.Document: Centum Investment Company Limited (CENT.ug) 2020 annual report.Company ProfileCentum Investment Company Limited is a Kenyan-based private equity firm specialising in providing investment opportunities for public and private companies in Uganda. This includes managing investment growth, development capital and buyouts. The private equity firm invests in companies which serve the needs of the domestic markets in sub-Saharan Africa and invests in both listed and non-listed companies in various sectors, including; banking, insurance, education, healthcare, energy, agriculture, industrial production, telecommunications, real estate, beverage manufacturing, automotive assembly, in-flight catering and dry-cell manufacturing. Investments in commercial services include Mumias Sugar Company Limited, Kenya Airways and Carbacid Investment Company. Centum Investment Company was founded in 1967 and is based in Nairobi, Kenya. Centum Investment Company Limited is listed on the Uganda Securities Exchange
New York — “We did this together, we fought for so long and we won!” Gertrudes Lopez-Ortiz, a cabin cleaner at Newark Liberty International Airport told the Local 32BJ news service. “Now it is a dream come true for me and my co-workers! I was here when the Port originally promised this in 2014. Our hard work, and the support of our brothers and sisters in 32BJ is paying off.” (seiu32bj.org, Sept. 27)What the 14,000 workers organized by 32BJ at New York City’s airports — LaGuardia, JFK and Newark, three of the busiest airports in the U.S. – won is a minimum wage of $19 an hour by 2023. Their current contract establishes medical insurance, days off, fair scheduling, but not minimum wages.This wage will be reached in stages. On Nov. 1, the minimum will be $13.60 an hour for workers in New York, up from $13, and $12.45 an hour at New Jersey’s Newark Liberty, up from $10.45. The Port Authority (PANYNJ) used its power to impose the new schedule on the subcontractors that supply services like baggage handling, aircraft cleaning, wheelchair pushing and terminal cleaning.The Retail, Wholesale and Department Store Union President Stuart Appelbaum, UNITE HERE Local 100 President Bill Granfield and RWDSU Local 1102 President Alvin Ramnarain responded in a joint statement: “We enthusiastically support the Port Authority of New York and New Jersey’s new wage resolution. … Service workers at La Guardia, JFK and Newark Liberty are key to the success and security of our region’s airports.”32BJ President Hector Figueroa said airport workers deserve everything they’ve worked and fought for. His union conducted a series of one-day strikes and protests at the three airports.“Airport workers are on the front lines of ensuring safety and improving services at our airports. They greet passengers, clean the terminals and airplanes, and load bags into planes,” said Figueroa in a statement.This victory shows that the fight for $15 and a union is still strong. The PANYNJ had to extend higher wages to all the workers to keep nonunionized workers from joining a union, which would give them an $8/hour raise.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare this
Noel earns award Facebook WhatsApp Facebook OCA top 2 were ESL students Previous articleDonahew back at Dos in MayNext articleCity considers partnership on courthouse admin RELATED ARTICLESMORE FROM AUTHOR 1 of 2 Twitter Director of Student Life Urisonya Flunder draws on the wall to make a point. Odessa College held a Lunch and Learn panel Discussion as part of Black History Month Wednesday, February 28, 2018 in the Wood Math and Science building. By admin – March 2, 2018 Mixing current events and responses to questions collected from students, Odessa College faculty and staff talked about their own experiences and observations as part of a Black History Month event titled “Let’s Talk About It; Keep it 100.”The “keep it 100” part means keeping it real. Held in the Wood Math and Science Building, the discussion was facilitated by Michaela Anang, a College2Career coach at OC. Panelists were Student Success Coach William Council, Executive Director of Student Learning Resources Denise Perdue and Director of Student Life Urisonya Flunder.Council said Black History Month means understanding where you come from in this country and getting exposed to pieces of history that are not taught in the classroom or in textbooks.Perdue said it’s important to recognize what her forefathers were doing and ask herself what she is doing today. She said African-Americans were the first population to come into a country during adverse conditions and they survived and did well. Odessa College Student Success Coach William Council participates in the discussion. Odessa College held a Lunch and Learn panel Discussion as part of Black History Month Wednesday, February 28, 2018 in the Wood Math and Science building. Pinterest Black History Month.Odessa College. Home Local News Education OC concludes Black History Month with panel discussion Creamy Fruit SaladSouthern Style Potato SaladSlap Your Mama It’s So Delicious Southern Squash CasserolePowered By 10 Sec Mama’s Deviled Eggs NextStay Pinterest Local NewsEducation OC concludes Black History Month with panel discussion Twitter WhatsApp Registration set for engineering camp Director of Student Life Urisonya Flunder draws on the wall to make a point. Odessa College held a Lunch and Learn panel Discussion as part of Black History Month Wednesday, February 28, 2018 in the Wood Math and Science building. Flunder said Wednesday the month is a platform where discussions can be held and information shared. She added that she wishes Black History Month wasn’t the one of the only times this happens, but the reality is that many times it won’t be talked about, discussed or debated.“Any opportunity we have, whether it’s African-Americans or Native Americans — all these different groups — there should be some equity in what is being taught. That’s why you have to use months and certain days” as a teaching tool, Flunder said.She added that history is largely obtained from people with a sense of power and privilege.Perdue said she still has to battle all the time and stories of how she ran into discrimination when she was taking master’s courses and doing her dissertation.She said she didn’t grow up in the South and her parents shielded her from racism. She went to private school, but reality hit when she and her family visited family in Louisiana and it was extremely painful.“It was like being back in the Flintstones,” Perdue said.Returning to where she grew up in East Texas, Flunder said she had a similar experience where those entrenched attitudes were still in force. Growing up, she played basketball.“When I was in school, there were towns we couldn’t go into without a police escort,” Flunder said.She recalled that the team couldn’t stay in town and eat; they had to leave right away.Perdue said education gives people choices, but African-Americans are still denied housing and employment.Council said race can’t be ignored, but neither can culture.“When I meet someone for the first time, I’m meeting everyone that came before them and their perspective,” he said. “… We’re not all the same.”Perdue said the faculty needs to bring awareness to students about current issues and make it relevant to them. Students also need to be taught how to search for relevant information.More Information
Harris County Sheriffs Office(HOUSTON) — After a young woman was gunned down in her own driveway in a crime caught on surveillance video, Houston authorities are pleading for help to get her “callous killer off our streets.” Elizabeth Barraza was setting up a garage sale when she was attacked on Friday, Jan. 25, Harris County Sheriff Ed Gonzalez said at a Wednesday news conference. At about 6:55 a.m., the killer drove up to her home, walked up the driveway and engaged Barraza in conversation before pointing a pistol at her and shooting her multiple times, the sheriff said. Barraza was hospitalized and died the next day, the sheriff said. Barraza’s killer — a “coward” — drove up just after Barraza’s husband left for work, her father, Bob Nuelle, said at Wednesday’s news conference. Barraza was a “kind and generous person” and married to an “amazing man,” Nuelle said. She was holding a garage sale to make extra cash for her fifth wedding anniversary trip with her husband, Nuelle said. “She had such a big heart,” Barraza’s husband, Sergio Barraza, said at the news conference. “I’m just so happy that the last words I got to say to my beautiful wife was, ‘I love you,’ and she said, ‘I love you, too.’” Elizabeth Barraza died in the same hospital where the couple had devoted so much time to volunteer work, Sergio Barraza said. “Why someone would be so monstrous to commit an act like this… I had to trade our fifth anniversary for her funeral,” Sergio Barraza said. “I ask if anybody knows anything to please come forward. … We need justice for Liz.” The crime and the suspect’s car were caught on surveillance video. Barraza’s killer could be a man or a woman, Harris County Sheriff’s Office Detective Michael Ritchie told reporters. “We are almost certain” that the suspect’s car is a black, four-door Nissan Frontier truck, Ritchie said, adding, “these trucks are not very common.” Authorities have received several tips, Ritchie said. A reward up to $20,000 has been offered for any information.Copyright © 2019, ABC Radio. All rights reserved.
Breonna Taylor FamilyBy KARMA ALLEN, EMILY SHAPIRO and SABINA GHEBREMEDHIN, ABC News(LOUISVILLE, Ky.) — Audio recordings from the three-day grand jury hearings in the Breonna Taylor case were filed with the court on Friday following orders from a Kentucky judge.The recordings were filed just before the judge’s noon deadline. This comes after a judge, during former police officer Brett Hankison’s hearing, ordered the recordings be filed as part of the discovery.The attorney general’s office also filed an un-redacted copy of the grand jury recordings under seal with the court so that the Judge could compare the redacted and un-redacted copies of the recordings, the Kentucky attorney general’s Office said in a statement Friday. The redactions comprise about three minutes and fifty seconds of the entire proceedings, the office said, noting that personal witness information, addresses and the names of minors had been removed for privacy reasons, according to the office.Kentucky Attorney General Daniel Cameron said he was “confident” that the recordings would show that his office presented a through case.“I’m confident that once the public listens to the recordings, they will see that our team presented a thorough case to the Jefferson County Grand Jury,” Cameron said in a statement. “Our presentation followed the facts and the evidence, and the Grand Jury was given a complete picture of the events surrounding Ms. Taylor’s death on March 13th.”He added: “While it is unusual for a court to require the release of the recordings from Grand Jury proceedings, we complied with the order, rather than challenging it, so that the full truth can be heard.”Taylor’s family, her boyfriend and activists have also called for transparency and demanded the grand jury transcript be released. Taylor’s boyfriend’s attorney filed a successful motion over the weekend to have the evidence collected by the police department’s Professional Integrity Unit released to the public.An anonymous member of the grand jury also filed a motion asking that the transcripts and 20 hours of recordings be released. The grand juror requested the judge allow members of the panel to speak publicly about the evidence presented and the decision reached.Cameron filed a motion to delay the release of the audio recordings to redact the names and personal information of witnesses and private citizens.Cameron argued Monday that prosecutors presented “all of the evidence” to the grand jury, even though the evidence supported that the two Louisville police officers who were not indicted “were justified in their use of force” after having been fired upon by Taylor’s boyfriend.Citing the secrecy of the hearing, Cameron declined to say if the grand jury was presented, beyond the recommended wanton endangerment counts, with options to consider homicide charges, including manslaughter and reckless homicide.The high-profile case began on March 13, when 26-year-old Taylor was shot dead by police in her Louisville home.Taylor and her boyfriend, Kenneth Walker, were asleep when three Louisville officers, including Brett Hankison, tried to execute a “no-knock” search warrant. The officers were investigating a suspected drug operation linked to Taylor’s ex-boyfriend; no drugs were found in the apartment.Walker contends he asked the officers to identify themselves as they tried to break open the door, but got no response, which prompted him to open fire with his licensed gun. One officer was shot in the leg.The grand jury last week indicted Hankison on three counts of first-degree wanton endangerment for firing into the apartment directly behind Taylor’s. The neighboring apartment had three people inside, thus the three charges against Hankison, said Cameron. Hankison pleaded not guilty this week.The other officers involved in Taylor’s death were not charged and have been placed on administrative duty.Hankinson was fired.Copyright © 2020, ABC Audio. All rights reserved.
The potential impact of seawater acidification on the concentrations of dimethylsulfide (DMS) and dimethylsulfoniopropionate (DMSP), and the activity of the enzyme DMSP-lyase was investigated during a pelagic ecosystem CO2 enrichment experiment (PeECE III) in spring 2005. Natural phytoplankton blooms were studied for 24 days under present, double and triple partial pressures of CO2 (pCO(2); pH=8.3, 8.0, 7.8) in triplicate 25 m(3) enclosures. The results indicate similar DMSP concentrations and DMSP-lyase activity (DLA) patterns for all treatments. Hence, DMSP and DLA do not seem to have been affected by the CO2 treatment. In contrast, DMS concentrations showed small but statistically significant differences in the temporal development of the low versus the high CO2 treatments. The low pCO(2) enclosures had higher DMS concentrations during the first 10 days, after which the levels decreased earlier and more rapidly than in the other treatments. Integrated over the whole study period, DMS concentrations were not significantly different from those of the double and triple pCO(2) treatments. Pigment and flow-cytometric data indicate that phytoplanktonic populations were generally similar between the treatments, suggesting a certain resilience of the marine ecosystem under study to the induced pH changes, which is reflected in DMSP and DLA. However, there were significant differences in bacterial community structure and the abundance of one group of viruses infecting nanoeukaryotic algae. The amount of DMS accumulated per total DMSP or chlorophyll-a differed significantly between the present and future scenarios, suggesting that the pathways for DMS production or bacterial DMS consumption were affected by seawater pH. A comparison with previous work (PeECE II) suggests that DMS concentrations do not respond consistently to pelagic ecosystem CO2 enrichment experiments
Associated Press FacebookTwitterLinkedInEmailIRVINE, Calif. (AP) — Quinn Taylor scored 21, Neemias Queta had his first career double-double and Utah State never trailed in an 89-65 win over UC Irvine on Saturday night.Queta had 11 points and a career-high 19 rebounds. As late as the 7:22 mark in the second half, Queta had more rebounds than the entire UC Irvine team and the Aggies (7-1) finished with a 41-27 edge on the glass.Taylor made a career-high five 3-pointers on seven attempts from 3-point range and Utah State made 13 of 24. The Anteaters (7-2) missed their first 11 3-point attempts and finished 1 of 14 from behind the arc.Utah State pulled away when Taylor and Diogo Brito hit back-to-back 3-pointers to spark an 18-5 run. Sam Merrill capped the run with a jumper that made it 33-19 with 3:07 left in the first half.Merrill scored 17 and reached 1,000 points for his career. Dwayne Brown Jr. added 10 for Utah State, which won its second in a row after its first loss of the season.Eyassu Worku had 11 points to lead UC Irvine, which has lost two of three since opening the season with six straight wins. Tags: Utah State Aggies Basketball Written by December 1, 2018 /Sports News – Local Utah State beats UC Irvine 89-65
November 10, 2011 View post tag: Cuba Guided-Missile Cruiser Visits Guantanamo Bay, Cuba Guided-missile cruiser USS Carr (FFG 52) pulled into Naval Station (NS) Guantanamo Bay, Cuba, Nov. 7.Carr made the port call at the naval station to receive fuel, water, supplies and maintenance.“The Carr received 100,000 gallons of diesel fuel, 17,000 gallons of aviation fuel, and 9,000 gallons of fresh water,” said Quartermaster 2nd Class Dennis Steel, port operations’ dock-master for Carr’s visit. “My role in the USS Carr’s port visit included coordinating services such as arraigning fuel delivery, the crane for their brow, and removal of waste water by truck.”The naval station is a logistical hub for military vessels operating in the Caribbean theater.“Two weeks prior to the Carr arriving, we began to make preparations,” said Steel. “They sent us a logistical requirements request which let us know what type of services they would require while in GTMO.”Carr, homeported in Norfolk, Va., is deployed to the U.S. 4th Fleet area of responsibility to conduct joint law enforcement operations with the U.S. Coast Guard.“The port visit with the Carr went very well,” said Steel.” They were in GTMO for two days and received all of the services that they requested.”NS Guantanamo is the final scheduled port visit for Carr prior to completing its deployment.[mappress]Source: navy, November 10, 2011 View post tag: Naval View post tag: Bay View post tag: Navy View post tag: News by topic Training & Education View post tag: Guantanamo Back to overview,Home naval-today Guided-Missile Cruiser Visits Guantanamo Bay, Cuba View post tag: Cruiser View post tag: visits View post tag: Guided-missile Share this article
By Hannah Nepil It is unfortunate that the most antagonistic of questions are amongst the most frequently asked. Given the long list of tacit diplomatic no-nos which overshadow every social situation, you might have expected that the dreaded question “what’s next?” would have been outlawed long ago. But, to speak for embittered post-finalists everywhere, I can tell you it definitely hasn’t. Instead, it is assumed that the status of recent graduate lends itself to a little amicable interrogation, and we are again and again called upon to air our dirty laundry in public, to answer that question, and to justify our existence. The intensity of the anguish triggered by this line of questioning is directly proportional to the amount of time we have spent dwelling on the matter ourselves. Those whose chosen career or further study path seems, not only to have been mapped out for them, but to clarify their entire previous existence, are able to sidestep the angst. On the other hand, those who find decision-making a source of trauma are landed, ironically, with a seemingly infinite collection of choices. Suddenly they are confronted with something that their comfortable sail through the education system has left them unprepared for. It is these types who fall prey to the seduction of the ‘Random Job’, which can hold them captive for several years before they finally come to their senses. To this they can be spectacularly unsuited, as one graduate testifies, who spent her first year out of university as a pathologically squeamish anaesthetist. Luckily for her, however, she managed to exercise mind over matter by averting her gaze as she injected the fluid. “Did the patients never notice?” I asked. “I don’t think so,” she answered thoughtfully, “they never said anything.” For many, the heartless ejection from the education system triggers the instinct to grip for dear life to the umbilical chord, inducing a bee-line for postgraduate study of even the obscurest denomination. Happily there are plenty of courses which cater for this particular existential crisis. Between an MA in Adventure Tourism Management from Birmingham College of Food, Tourism and Creative Studies and the Msc in Playstation Studies from Sheffield Hallam University, we are spoilt for choice. Others prefer to define a lack of direction in more straightforward terms, under the all-embracing umbrella term, “Nothing”. “What do you mean, ‘Nothing’? How can you do ‘Nothing’?” I asked my friend incredulously.“I mean, Nothing. I’m not working. I’m not studying. It’s exhausting. I’m getting very into my daytime TV and I find there just aren’t enough hours in a day” and he smirked, presumably at his own dazzling wit. I could have asked how he was funding his “Nothing”, but given my stance on my student loan – “It’s like monopoly money” – that had carried me through my three years as a student to Italy, Spain, China, New York and back, I did not want to risk sounding hypocritical. This attitude, I found, would come back to haunt me as I approached the close of my third year, forcing me to call my bank and attempt a negotiation of my overdraft. “What do you need it for?” I was asked by a frankly hostile third party.“Oh, you know, my day-to-day living necessities”, I answered, struggling to annunciate my words through my Pret salad. Surprisingly, I was unsuccessful and it was under dire financial straits that I decided to face up to my responsibility as a fully functional adult, giving up my place for a Masters and procuring for myself a job in an Estate Agents. When, two days in, I was turfed out, due to general ineptitude, until further notice, I rationalised away the shame. Well. I didn’t need them. I had a degree in Music, so I was bloody well going to use it. The next day I went busking, setting up camp outside the French Institute, round the corner from the infamous Estate Agents. For a couple of hours I regaled the hapless passers by with endless renditions of the French National Anthem, hoping to capitalise on the location. It was only when a fuming optician and two sheepish youths sporting orange City Council T-shirts sidled up that I realised that the game was over: An acknowledgement I was forced to revisit on my humble re-admittance to John D. Wood and co. where I found the following email in the collective junk inbox, “Further to getting the boot, Hannah can be found “busking” outside the French Institute”. The real world could wait. My masters course was beckoning, and with no more affectations of resistance, I followed.
IS IT TRUE that we hear that former Vanderburgh County Republic Party Chairman Joe Harrison Jr. is supporting Donald Trump for President? …Joe Harrison Jr has been spotted picking up Trump yard signs at the local Trump headquarters and distributing them out to others for a week or so.? …our Indy “Moles” tell us that Joe Harrison Jr is a longtime friend of former Indiana Republican Party Chairman, Rex Early, Trump’s Indiana Presidential Campaign Chairman?IS IT TRUE if TRUMP wins the Indiana and the Republican primary for President you can expect Joe Harrison Jr will be appointed by Rex Early to a high profile position within the “Indiana For Trump for President” campaign committee?IS IT TRUE it looks like Donald Trumps visit to Indiana this coming Thursday, may prove to be the most important political campaign trip he has taken so far? …Evansville could prove to be the beginning of the end to Ted Cruz quest to become the Republican nominee for the next President?IS IT TRUE we are hearing that this Thursday “Trump For President” rally will have an overflow crowd? …when all said and done we bet the event organizer’s wish they would had rented the Ford Center for this event?IS IT TRUE yesterday former President Bill Clinton made two stops in Evansville ? …he stopped by the Central Labor Council of Southern Indiana and Penny Lane Coffeehouse? …he had an unannounced private meeting with a couple of local individuals? …some of the individuals who attended this private gathering were: former City Councilman John Friend CPA, former Sheriff and U S Congressman Brad Ellsworth, 8th District Democratic Party Chairman Tony Long, Vanderburgh County Party Chairman Rob Faulkner, and past Democratic Party Chairman Mark Owen ?IS IT TRUE yesterday the Evansville Brownfield Corp. had another unadvertised secret meeting held at the YWCA at 10:30 am? …this not-for-profit organization just received $1.7 millions of our hard earned money from City Council? …this corporation received this money from the city without submitting any past audits or financial statements?IS IT TRUE yesterday “Readers Poll” was: Who do you endorse in the Democratic primary race for District 77 State Representative? …the results are as follows: 173 people voted? …Brandon Lee Ferguson had 41 votes, Ryan Hatfield had 53 votes and Lori Sherman received 79 votes?FOOTNOTE: Todays “READERS POLL” question is: Who do you endorse in the Republican primary race for the President?FacebookTwitterCopy LinkEmail
Midlands-based sandwich bar chain Simply Eat has announced plans to open 100 outlets across the UK over the next five years. Director Pravin Patel told British Baker that the firm plans to open a mixture of company-managed and franchised sites, but also has its eye on acquisitions, having already been in talks with a struggling firm in the area.The business currently has four owner-managed outlets in Wolverhampton, West Bromwich, Halesowen and Derby but has decided that the franchise route is its best option for the future growth of the chain. Patel said the chain sees its closest competition in the form of Greggs and, to a lesser extent, Subway, as well as independent high street sandwich shops, but said the firm found “there was a gap in the market for a genuine quick-serve restaurant chain that offered traditional classics, such as paninis and baguettes in a ’big brand fast food’ format”. “We have an active franchising campaign in our existing stores, which is in its early stages,” he added.Patel said the chain is mainly looking to open sites in pedestrianised areas, first branching out to Nottingham and Leicester, with around six new outlets this year, before increasing the rate of expansion in subsequent years. Its menu features sandwiches, baguettes and paninis made fresh on-site every day, and the firm will also be moving into sweet bakery, for example muffins and cakes, said Patel.
Assets – current assets like cash and inventory; and long-term assets like property you own and long-term investment.Liabilities – these are current liabilities like accounts payable and taxes; and long-term liabilities such as payable bonds and mortgage.Equity – the difference between total assets and total liabilities. Writing a business planWhile there are many approaches to writing a business plan, the Federation of Small Businesses recommends it should have seven sections, and an appendix, including information such as your CV. The seven sections are:Executive summarySummarising your business and what you’re trying to achieve, it should include: its current stage of development; where you want to take your company; why your business idea will be successful; strengths of your business plan.Business descriptionDescribing your company and detailing its different elements. Include: how your business operates; its target market; your products and services and how they will meet market needs; customers your company will serve; what will make it a success.Market strategiesShowing you know your market, this should include: description of the industry including trends and future outlook; size and forecast growth of market; characteristics of your customers such as demographics, needs, location, and purchasing trends; market share you can gain; your pricing structure and gross margin targets.Competitive analysisExplaining how you will differ from your competitors and issues that can help or hinder you, such as: current and potential competition; your competitors’ strengths and weaknesses, strategies that will give you an advantage; barriers to market such as lack of investment or experienced personnel.Design and development planDescribing your products or services and including: details of your products’ design and development; how you will market your products or services; what budget you will have to achieve development goals.Operations/management planShowing how the business will function, including: management team responsibilities; organisational structure; tasks of each part of your company; capital and overhead expenses such as rent, supplies and leases.Financial factorsProviding an accurate picture of your company’s current value, and showing your ability to pay bills and earn a profit. It should include three key areas:Income statement – How your business will generate money each year, including income generated by your business, cost of goods, gross profit margin, operating costs, net profit before and after taxes, and total expenses.Cash-flow statement – How much money will be needed to meet your business obligations, when it will be needed and from where you will access it, including information such as cash sales, receivables, total income, and costs for research and manufacturing, overheads, and marketing and sales salaries.Balance sheet – A summary of all the preceding financial information, given on an annual basis, and split into three areas: Welcome to the first feature in The Bakery Project, a new series that explores some of the ways to start or expand a bakery business, giving British Baker readers the chance to learn from those who have already done itBaking a fantastic loaf or making a show-stopping cake takes different skills and knowledge than running and building a successful business – but it is possible to do both.And if you fancy turning baking into your bread and butter, the first step is taking a leap of faith.Dissatisfaction with work, a passion for bakery, identifying a market opportunity or the desire to be challenged are just some of the reasons people have made the jump from office jobs to self-employed business owners.“I had spent 25 years in financial services in central London and after the financial crash in 2008, I became disillusioned with my industry,” explains Glenn Stephens, owner of Rex Bakery in Little Chalfont, Buckinghamshire.But it would take time before his vision of running a business would become reality.“Around 2012, circumstance meant I was going to leave my employer, so I decided to change career. However, I was really bad at making bread so, with hindsight, I guess I also fancied the challenge.”Despite having no bakery experience, Stephens identified a business opportunity – his local bakery had shut down, leaving a gap in the market. So then it was a matter of working on his baking skills (see box out, p27).%%Quote_20%%The recession was seen as an opportunity by Duncan Glendinning, who opened the Thoughtful Bakery in Bath in 2009.“Most of my friends and family were worried I was picking the most uncertain times to give up a well-established and well-paid freelance career to gamble on starting up my own business,” says Glendinning. He saw things differently.“In the baking industry, those who mean business can often come up against stiff competition from lots of smaller cottage industries, or hobbiest bakers. I knew the recession would discourage all but the most hardened and committed entrepreneur bakers, so that gave me a clear sense of what the playing field was looking like and whom I was in competition with.”For Oxford-based Modern Baker, founded by Melissa Sharp and Leo Campbell in 2015, “it wasn’t about baking, it was about healthy”.“We wanted to get into the healthy food business and the longer we pondered we realised there was no point doing (and I don’t want to be disrespectful) nut butters or birch water,” says Campbell. “We wanted to go straight into the biggest food group in the UK, which is dietary carbohydrates.”Once an opportunity has been identified, how do you take advantage of it? Like most things in life, it comes down to money, but perhaps not as much as some would think.“If you have a garage for production, like I did, there are no rental costs and if you use mainly second-hand kit, you can build a decent bakery for about £20,000,” notes Stephens.Rent or a mortgage on a property could add significantly to these costs but this, and the cost of equipment, will vary depending on your prospective output and scope of operation. And beware of the common pitfall of under-budgeting.There are many avenues to be explored for entrepreneurs seeking a cash injection, from the more traditional self-financing and bank loans to the relatively new idea of online crowdfunding (see box out, p28). Deciding what is right for you, and your investors, depends on your financial situation and market knowledge as well as experience.The first step is likely to be approaching a bank or more traditional lender. A credible financial plan is needed – that means detailing what you are trying to achieve, short and medium-term goals, what it will cost to get started, including necessary cash flow and production costs, and how you will generate income once the business is up and running. Interest rates vary depending on the size and length of borrowing, as well as your individual circumstances.Online specialist Money Supermarket suggests investigating business account overdrafts, usually available for 12 months, or credit cards or cash flow finance that enables companies to borrow against the value of their unpaid invoices and against assets, such as property or equipment.Dan Nemeth, owner of Seasons Cakes in Ingleton, North Yorkshire, says his bank manager “just didn’t see” his vision, so he opted instead for a £12,000 loan from Cumbria Asset Finance. Nemeth started his business as a sandwich production company, but struggled to get the quality of bread he wanted from local suppliers – and took the decision to remodel his business to fill that gap in the market.But for some, traditional financial routes are off the table.“If you apply Dragons’ Den logic, nobody is going to invest in a guy with no experience in the food industry, of food production, retail sales or making bread who wants to open a bakery,” adds Stephens. “I didn’t ask a bank to lend directly against my business idea. Being a novice meant I had to take the risk entirely on my shoulders.”Modern Baker was also self-financed and while neither Campbell nor Sharp had commercial baking experience, they had the business know-how from previous ventures.“I’m not inexperienced in starting businesses, but we still knew it was going to be very, very hard,” Campbell recalls. “If you have the right idea, the right insight and the right experience, you will always get funding and the truth is investment money is relatively easy to find. However, we decided to self-fund to start with and, when we had proved our concept, we would then talk to investors.”For those who don’t have the personal finance to back a project, crowdfunding offers an alternative. It’s a platform many bakeries have had success with, including Biscuiteers and Stoneham Bakehouse.The latter raised £23,455 in just two weeks, opening its doors in March 2017. As a social enterprise – it’s a community-supported bakery in the Poets Corner area of Hove – it was also able to apply to the Santander Changemaker Match Fund, which provided £10,000 towards its target.There are a host of crowdfunding sites from Crowdfunder to Crowdcube, Seedrs and Funding Circle UK.Crowdfunder, for example, sees backers from the general public pledge money towards your project. Those seeking money can do this via two methods – ‘all or nothing’ which means you only receive pledges if the target is hit, or ‘flexible funding’ allowing you to keep all pledges.%%Quote_21%%Platforms often charge a fee, which might be a percentage of funds raised.Thoughtful Bakery also found crowdfunding to be lucrative, raising £55,000 in less than nine days in order to move the business from a relatively inexpensive countryside production unit into a city centre retail space.“Crowdfunding isn’t free money and it doesn’t come easily. That said, for smaller businesses with a short trading history, poor credit rating or covenant strength, it may be a more accessible route to funding than conventional ones,” Glendinning says. “The benefits are that, if done correctly, you don’t just welcome the investment funds of the backers, you also welcome a new pool of experience, contacts and more that you can tap into to help grow your business.”Growing is great, but be sure to do so at a manageable pace – taking on too much too soon could lead to problems down the line.“People underestimate what it takes. It’s not just a loaf of bread – you need to be doing 200 loaves a day minimum, plus baps, pastries and everything else,” warns Nemeth. “The scariest thing for any bakery is to say no to a customer, but you can’t do everything.”One way to keep on top of things, he suggests, is to bring in bakery consultants. “There are so many aspects of baking that people don’t realise. You might be mad busy and you might have loads of customers, but at the end of the day it comes down to the bottom line.” Do you need to be an experienced baker to open a bakery?Becoming the owner of a successful bakery business takes hard work, close monitoring of finances and passion – what it doesn’t necessarily take is years of hands-on baking experience.Sure, a more traditional path of studying at bakery school followed by employment in bakeries big and small would be advantageous. But some take a different route.“Many will laugh, but when I started, while I had bucketloads of passion and enthusiasm, I lacked any commercial baking or catering experience. I hadn’t even stepped foot in a bakery production space prior to kitting out my own,” says Duncan Glendinning, owner of Thoughtful Bakery (pictured above).“If I had the chance to do it again, I would take the opportunity to visit bakeries, do unpaid work expe-rience and gain as much insider knowledge as possible.”On the plus side, he says the bad decisions and mistakes he’s made are lessons that can be handed down to those just starting out.Glenn Stephens from Rex Bakery also set out into the bakery world without any prior experience.“I was a total novice so needed help,” he says.To rectify this he undertook an Advanced Bread Making Course at the School of Artisan Food that was run by Wayne Caddy. This, Stephens says, assured him that he was on the right path.%%Quote_19%%Stephens was put in contact with a local baker through Caddy to gain more experience. “I offered free labour for washing-up duties,” he explains.“They agreed to one night and I ended staying for three months through to March 2012, working three nights a week and learning the processes to manufacture on a small scale.”Dan Nemeth, of Seasons Cakes, trained as a furniture maker and designer. During college he had worked as a bakery assistant in Asda, and taken part in agricultural shows and competitions when he was younger, but an accidentin which he chopped off his finger saw him revisit his passion for baking.“I set up a business making sandwiches and that evolved into baking again,” Nemeth says. “It’s all about practising and making mistakes. But looking back now, I wish I had paid somebody to teach me how to make the basics.”Show me the money: funding a new businessThere is a wide variety of ways to fund a new business venture, but some of the most common are:Personal savingsYou could fund the beginnings of your business using personal savings to help pay for equipment or support you financially as you shift into self-employment. But it is important to note this could leave you at financial risk if something goes wrong.InvestorsThis is where people can buy a stake in your business in return for funding and, hopefully, a return on that investment in the future. Investment can come from sources including friends or family, investment bankers, and fund managers.LoansMany banks offer small business loans to start-ups to help get them off the ground. These loans can often be repaid simply, with repayments tied to transactions or as a direct debit each month.Government fundingThe government provides new businesses with access to start-up funding. Start-up loans range from £500 to £25,000 and can help a business get established, covering the initial costs of purchasing equipment and preparing to trade.Government grantsStart-up grants are non-repayable lump sums made available to businesses. These grants have to be applied for, so it isn’t guaranteed that a firm will receive the funding they provide. Grants range from schemes to encourage businesses to take on apprentices or fund training, to helping with building repair or promoting growth.CrowdfundingWebsites such as GoFundMe or Kickstarter allow members of the public to donate or back a project in return for early access or specialised rewards. It’s important to note that if a crowdfunding event doesn’t reach its goal, such as raising a set amount of money in a month, you will receive none of the funding. [Editor’s note: with the exception of ‘flexible funding’ – see main story.]Source: Federation of Small Businesses
Bako North Western Group has appointed David Armstrong as group commercial director.Armstrong has spent the past seven years as head of trading at Spar UK, where he was responsible for the retailer’s own-label ranges. He has also worked in retail and wholesale at Marks & Spencer, Safeway and Asda, as well as having a stint at Bako UK between 2007 and 2009.“I’m very happy to be back at Bako and I am really excited about the opportunities ahead. While these are undoubtedly challenging times for many, Bako is really leading the way in developing innovative solutions and finding inventive new ways to support the industry as a whole,” he said.The bakery products distributor launched a website in May, called Bakers.Market, that enabled consumers to order, pay for and arrange delivery or collection of treats from their local bakery.Armstrong added that Bako was in a “really good position” to help spearhead the independent bakery sector’s recovery.Bako Group CEO Mike Tully said: “I’m delighted that David has rejoined the business and I am looking forward to working with him and his team to drive the business to new levels over the next few years.”The appointment comes a week after Bako North Western Group announced that former Poundstretcher boss and Premier Foods sales director Ian York had joined the company as managing director.Established for over 50 years, Bako North Western Group distributes bakery products to customers across the UK from three national depots. It comprises Bako North Western, Bako Northern and Scotland and Bako South Eastern.