Nedbank Swaziland Limited (NEDB.sz) listed on the Swaziland Stock Exchange under the Banking sector has released it’s 2004 annual report.For more information about Nedbank Swaziland Limited (NEDB.sz) reports, abridged reports, interim earnings results and earnings presentations, visit the Nedbank Swaziland Limited (NEDB.sz) company page on AfricanFinancials.Document: Nedbank Swaziland Limited (NEDB.sz) 2004 annual report.Company ProfileNedbank (Swaziland) Limited is a leading financial services group in Swaziland offering products and services for the private, commercial and corporate market. It is a subsidiary of the Nedbank Group of South Africa and was established in Swaziland following Nedbank’s acquisition of Standard Chartered Banks local majority shareholding in 1997. Nedbank (Swaziland) Limited’s product and service offering ranges from current accounts, savings and fixed and term deposits to mortgage and trade finance. The loan division offers assistance for personal, micro, home, vehicle and SME business loans. The company also provides franchising and specialised financing, as well as letters of credit and performance guarantees. Its headquarters are in Mbabane, Swaziland. Nedbank (Swaziland) Limited is listed on the Swaziland Stock Exchange
One of the best investing decisions I’ve ever made was buying Shopify (NYSE:SHOP) shares nearly four years ago. At the time, Shopify was not the well-known e-commerce stock it is today. Many analyst forecasts considered it to be risky — including a seasoned hedge fund manager that I had the good fortune to meet.Despite all these warnings, I decided to go against the flow and my initial £1,000 investment has quickly turned into over £17,000.5G 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…An e-commerce giant ‘in hiding’Shopify enables small and medium businesses to set up online stores to sell their products. But beyond the core e-commerce offering, it also comes with business analytics, search engine optimisation tools, social media marketing solutions and customer support systems.The firm’s customers pay a monthly subscription fee, which includes all the hosting costs as well as access to the platform. New subscribers can have a polished online store up and running within a week without having to write a single line of web code.Today, Shopify powers over 1,000,000 online stores, across 175 countries around the world.Why I decided to buy Shopify sharesIn 2017, building and maintaining a website was becoming increasingly more straightforward thanks to platforms such as WordPress. But these were mainly focused on blog-style sites, rather than online stores.There were a few available e-commerce solutions beyond Shopify, such as Wix and WooCommerce. Perhaps the active competition is why analysts were initially sceptical as it wasn’t entirely clear which solution would end up on top.But under the leadership of its founder, Tobias Lütke, Shopify was doing something its competitors weren’t. It was building strong partnerships with the likes of Facebook, Twitter and Pinterest. This gave the stock robust exposure to social media sites.An even more impressive partnership was formed with Amazon. The e-commerce goliath used to provide a webstore solution for its merchants that it scrapped and replaced it with Shopify’s platform instead.To my mind, if Amazon was willing to concede that Shopify had better technology, then the business must really be doing something right.The Shopify share price continues to climbSince then, Shopify has continued to form new partnerships that continue to add immense value to its platform and help to separate it from competitors.The most impressive of these occurred in 2019. The stock formed a partnership with Deliverr that enabled any Shopify-powered store to offer free two-day delivery to their customers.Lütke focused on building the platform’s value through meaningful partnerships. In my opinion, this is why the firm has been able to retain its customers while simultaneously attracting new ones.Put together, Shopify has generated nearly $2bn in revenue over the past nine months. That’s almost three times more than the whole of 2017.The bottom lineI bought £ 1,000 worth of Shopify shares at $57.89. Over the last four years, I felt pressure to sell, especially when Citron Research announced it was aggressively shorting the stock. But despite the temptation, I held on to my shares with a tight grip.Today the same shares are worth just over $1,057 — an increase of 1720%. My only regret is that I didn’t buy more!But would I buy the shares today? Absolutely! Small businesses need a way to adapt to the rise of e-commerce, and I feel Shopify offers the best and simplest solution so still has growth potential. 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. “This Stock Could Be Like Buying Amazon in 1997” Zaven Boyrazian | Monday, 14th December, 2020 | More on: SHOP Zaven Boyrazian owns shares in Shopify. The Motley Fool UK owns shares of and has recommended Shopify. 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. See all posts by Zaven Boyrazian 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. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Our 6 ‘Best Buys Now’ Shares Simply click below to discover how you can take advantage of this. Enter Your Email Address Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! I turned £1k into £17k in just 4 years with Shopify shares
Harvey Jones | Monday, 31st May, 2021 | More on: BNZL EXPN Simply click below to discover how you can take advantage of this. Grab your free report – while it’s online. Distribution and outsourcing group Bunzl (LSE: BNZL) regularly features on my list of best shares to buy, so I was interested to see its share price has dipped. Right now, the FTSE 100 stock trades at just 13.9 times earnings, cheap by its standards. I see this as an opportunity to buy it, then hold for the long term and beyond. I have typically seen Bunzl as one of the best growth shares to buy, but today’s 3.9% yield makes it look like a tempting income stock too. The pandemic interrupted its proud record of dividend growth, but management quickly resumed shareholder payouts.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…You won’t find Bunzl’s products or services in the shops, and I suspect many private investors overlook its potential as a result. It sells groceries, food services, safety wear and cleaning products to companies, allowing them to cut costs, free up working capital, and simplify admin.One of the best shares to buy now?The Bunzl share price enjoyed an initial lift from the pandemic, because it also supplies ‘healthcare consumables’, including sanitisers, gloves and face shields. Covid-19 related orders totalled around £550m last year.If vaccines see off Covid, this demand may fade. This is a worry (for Bunzl) since sales of other products and services fell 5%. On the other hand, these may enjoy a revival if lockdowns ease. It seems to win either way. That is another reason why I see this is one of the best shares right now, and would buy despite current uncertainties.After excluding larger Covid-19 related orders, the group still expects a “moderate decline” in second-half organic revenue growth. So why do I still think this is a great to buy now? I think Bunzl’s acquisition-led global growth strategy is a winner. It offers global diversification, strong cash flows and a robust balance sheet. Today’s low entry valuation is too tempting for this long-term fan to ignore.I’m also a fan of global information services company Experian (LSE: EXPN), it is expensive trading at a thumping 37.2 earnings. I still think it is one of the best shares on the FTSE 100, but would be reluctant to buy today.This FTSE 100 stock is a bit priceyThe Experian share price has more than doubled over five years. It has been climbing in recent months, after posting a 14% jump in annual profits to $1.08bn, despite Covid. Statutory revenue edged up 4% to $5.37bn.Banks worldwide rely on Experian’s massive consumer database to make lending decisions, and around 90% renew their contracts each year. It has two large rivals in Equifax and TransUnion, but high barriers to entry will deter others, maintaining pricing power.Experian could take a hit if the pandemic drags on or property prices crash, and demand for credit falls. While I don’t see that as a major threat, it may not be the best share to buy at at today’s pricey valuation. I would rather pop it on my watch list and buy if it dips. I’d also consider this stock. 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. Our 6 ‘Best Buys Now’ Shares Image source: Getty Images. Best shares to buy! This FTSE 100 stock is too cheap to ignore 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. One FTSE “Snowball Stock” With Runaway Revenues Harvey Jones has no position in any of the shares mentioned. The Motley Fool UK has recommended Bunzl and Experian. 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. Looking for new share ideas?Grab this FREE report now.Inside, you discover one FTSE company with a runaway snowball of profits.From 2015-2019…Revenues increased 38.6%.Its net income went up 19.7 times!Since 2012, revenues from regular users have almost DOUBLEDThe opportunity here really is astounding.In fact, one of its own board members recently snapped up 25,000 shares using their own money… So why sit on the side lines a minute longer?You could have the full details on this company right now. See all posts by Harvey Jones Enter Your Email Address
TAGSSt. Johns River Water Management District Previous articleFlorida Hospital partners with Second Harvest to feed the hungryNext articleApopka: Pro-Business or Anti-Religion? By Greg Jackson Denise Connell RELATED ARTICLESMORE FROM AUTHOR Share on Facebook Tweet on Twitter A great big thumbs up to the SJRWMD board! Now let’s see the other government entities follow their lead! The Anatomy of Fear 1 COMMENT Please enter your name here From the St. John’s River Management DistrictThe St. Johns River Water Management District’s Governing Board Tuesday approved a tentative budget that reduces the millage rate for taxpayers for a fifth consecutive year while continuing to provide significant funds for programs and projects to ensure sustainable water resources, increase water conservation and protect water quality in springs and other priority water bodies.“The tentative budget shows the direction the district is headed and where we plan to focus our efforts in the coming fiscal year,” said St. Johns River Water Management District Executive Director Dr. Ann Shortelle. “We are looking forward to another exciting year as new projects kick off while others are completed to restore and safeguard our water resources. This tentative budget reflects the continued commitment of our Governing Board to our responsibilities of water supply, water quality, flood protection, and natural systems.”The tentative 0.2724 millage rate would result in $85.3 million in revenue toward a total $160.4 million budget for the fiscal year 2017‒2018, which begins Oct. 1, 2017. The budget is also funded through state, federal and other district sources (including timber sales, cattle leases, interest earnings and permit fees).The millage rate adopted by the board is approximately 1 percent less than the current year’s tax rate.Under a 0.2724 millage rate — 27.24 cents for every $1,000 of assessed property value — the owner of a $200,000 house with a $50,000 homestead exemption would pay $40.86 in the coming year in property taxes to the district.The proposed budget will fund the district’s major programs, such as water supply planning, priority water body and springs restoration, and continued cost-share partnerships.Public hearings will be held at 5:05 p.m. Sept. 12 and 26 at district headquarters. Final budget adoption will occur at the Sept. 26 Governing Board meeting.About the St. Johns River Water Management DistrictSt. Johns River Water Management District staff are committed to ensuring the sustainable use and protection of water resources for the benefit of the people of the district and the state of Florida. The St. Johns River Water Management District is one of five districts in Florida managing groundwater and surface water supplies in the state. The district encompasses all or part of 18 northeast and east-central Florida counties. District headquarters are in Palatka, and staff also are available to serve the public at service centers in Maitland, Jacksonville, and Palm Bay. Please enter your comment! Save my name, email, and website in this browser for the next time I comment. LEAVE A REPLY Cancel reply Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Mama Mia July 14, 2017 at 9:25 am Support conservation and fish with NEW Florida specialty license plate Reply You have entered an incorrect email address! Please enter your email address here
ArchDaily Projects Year: “COPY” 2013 House B.A.B.E. / destilatSave this projectSaveHouse B.A.B.E. / destilat Architects: destilat Year Completion year of this architecture project Photographs 2013 Houses ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/477509/house-b-a-b-e-destilat Clipboard Austria ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/477509/house-b-a-b-e-destilat Clipboard CopyHouses•Linz, Austria Save this picture!Courtesy of destilat+ 21 Share Year: Photographs: Courtesy of destilatSave this picture!Floor Plan 1Text description provided by the architects. B.A.B.E. stands for exclusive living at Bachlberg. The former domicile of a family of entrepreneurs from Linz is located near the top of Bachlberg, in very quiet area near the woods, overlooking the provincial capital of Linz, with a panoramic view of the distant Alpine foothills.Save this picture!Courtesy of destilatIn cooperation with W. Wimmer, this run down object with its spacious garden was converted into a modern apartment house with three living units. The original structure was gutted completely and extended by an additional floor with insulated timber framing. Save this picture!Courtesy of destilatStarting at the socle storey, the entire structure was slightly turned to optimise its viewing angles. Save this picture!Courtesy of destilatCovered entirely with grey shingles made of asbestos cement (Eternit), the building has a very monolithic and sculptural character due to its seemingly random distribution of apertures for windows, loggias and terraces. The apartments of this house have very diverse characters and usable floor areas ranging from 140 to 200 sq m. Save this picture!Courtesy of destilatThe former indoor pool area on the ground floor was converted to an apartment with direct access to the property’s garden. Save this picture!Courtesy of destilatHowever, the crown jewel of this building is the penthouse with its open living, kitchen and dining area and up to 6.5 meter high, open pitched roof and a gallery. A massive open fireplace is the almost archaic centre due to its reduced design as well as its concrete base and rough plasterwork. Save this picture!Courtesy of destilatBesides the impressive main room, which includes a gallery, the entrance area as well as the bathrooms were individually designed to meet the clientʼs requirements. Project gallerySee allShow lessIs It Time To Abandon the Coastline?Architecture NewsCasa Tomás / LAB, Laboratory for Architecture in BarcelonaSelected Projects Share House B.A.B.E. / destilat “COPY” CopyAbout this officedestilatOfficeFollowProductsWoodSteel#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesLinzHousesAustriaPublished on February 18, 2014Cite: “House B.A.B.E. / destilat” 18 Feb 2014. ArchDaily. Accessed 11 Jun 2021.
Projects “COPY” Houses “COPY” Port Melbourne House / Pandolfini Architects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/884500/port-melbourne-house-pandolfini-architects Clipboard Lead Architect: Photographs Architects: Pandolfini Architects Area Area of this architecture project CopyHouses, Refurbishment•Port Melbourne, Australia Dominic Pandolfini Products translation missing: en-US.post.svg.material_description Year: Australia Area: 143 m² Year Completion year of this architecture project Photographs: Rory Gardiner Manufacturers Brands with products used in this architecture project Styling:Nina ProvanCity:Port MelbourneCountry:AustraliaMore SpecsLess SpecsSave this picture!© Rory GardinerText description provided by the architects. Located in the bayside suburb of Port Melbourne and within the confines of a long narrow site with strict heritage and planning controls, the aim of this project was to create a family home with an abundant sense of space and light.Save this picture!© Rory GardinerThe front section of the existing century-old terrace house was carefully restored and the new addition sited so as to be invisible from the street. A dramatic double height space and an adjacent courtyard garden separate the old and new sections of house and provide a clear delineation between the two. External materials of black zinc and textured concrete render are used internally here to reinforce the sense of exiting one space and transitioning into another.Save this picture!© Rory GardinerThe courtyard garden and a large-scale skylight are used to separate and articulate the new single and double storey volumes and provide gaps in the built form which allowing natural light to penetrate into the deep plan. The pitched roof forms of the new addition respond to the traditional rooflines of the adjacent terrace houses but present a contrast with their black zinc cladding and clean detailing.Save this picture!Section BA restrained palette of materials continues internally where a simple, hardwearing palette of concrete and black zinc provide a robust backdrop for the finely detailed American oak cabinetry.Save this picture!© Rory GardinerThe new house embraces the relationship between the old and new to create a timeless family home with a spatial drama not typically associated with inner city terrace sites.Save this picture!© Rory GardinerProject gallerySee allShow lessHasu Haus / Somdoon ArchitectsSelected ProjectsMariposa1038 / Lorcan O’Herlihy ArchitectsSelected Projects Share Duo Built ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/884500/port-melbourne-house-pandolfini-architects Clipboard Port Melbourne House / Pandolfini ArchitectsSave this projectSavePort Melbourne House / Pandolfini Architects 2016 ArchDaily Manufacturers: Fisher & Paykel, George Fethers, Miele, ROGER SELLER, Signorino, Woodcut, Essa Stone, Euroluce, VMZINC Save this picture!© Rory Gardiner+ 26 Share Builder: CopyAbout this officePandolfini ArchitectsOfficeFollowProductsWoodGlassSteel#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentPort MelbourneAustraliaPublished on November 29, 2017Cite: “Port Melbourne House / Pandolfini Architects” 28 Nov 2017. ArchDaily. Accessed 11 Jun 2021.
How will the recession change fundraising strategies Howard Lake | 5 November 2008 | News 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. Tagged with: credit crunch Institute of Fundraising recession Fundraising departments could shrink by up to a third by 2010 to see charities through the recession, according to Andrew Thomas of Charity Consultants.Thomas was speaking at a round table event organised by the Insight, Trusts & Statutory and Major Gifts Special Interest Groups of the Institute of Fundraising this week.Looking at historical data, Thomas said that charities generally go into recession later than other sectors. He said he was expecting severe cuts in fundraising departments during this recession because there were not sufficient cuts in the last economic downturn. “Trustees will be looking for more cost-effective fundraising,” he told delegates.Stephen Dodds of DMS felt there is a strong likelihood that donors will change their behaviour and that we should be paying close attention to the demographics of our donors. “There is a sense of unease about the financial situation,” he said. “In research donors have said they will hold back generally to see what happens, or they will not extend their giving for the same reason.”However, he said that the recession was likely to just emphasise existing trends and that we should expect to see response rates on direct mail continue to fall, and experience more difficulty getting donors to commit to a second or regular gift. “Donors increasingly see through our efforts, are more marketing savvy and cynical,” he said. Fundraisers should stay close to donors to understand how different groups will be affected and they should be able to engage with donors to prove that they understand motivations.He also thought it was about time the sector really got to grips with using the internet as a tool for communicating effectively and efficiently with donors.But maybe there isn’t so much of a problem. Jan Chisholm of Pareto Fundraising deals in data, not opinions. “We see opinion surveys saying people will cut back, charity CEOs saying they will see income drop. It’s scary that decisions are being made on the basis of these opinions,” she said. “It will be self-fulfilling prophesy: if you cut back, you won’t recruit as many donors.”She advocated investing in top data analysis to give fundraisers the best chance of understanding their donors.Conversely Stuart Sheriff had sought the opinions of trusts who generally feel that they will have less to give but anticipate the number of applications increasing significantly. They advise that charities will have to show they are planning for the recession and not just carrying on as normal and will really have to demonstrate exactly why they need the trusts’ support. 38 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis
Rising trend of local distilleries coincides with popularity of TCU’s Science and History of Whiskey Course Linkedin Twitter TCU places second in the National Student Advertising Competition, the highest in school history Previous articleTrump and Clinton: Where are the campaign signs?Next articleTCU stuns No. 17 Baylor, 62-22 Laura Belpedio RELATED ARTICLESMORE FROM AUTHOR TAGSimage TCU students walk through the “Born with Horn” Rhino interactive tour. Linkedin Laura Belpedio Laura is a senior journalism major and sociology minor from Kansas City, Missouri. She has a passion for entertainment and hot Cheetos. You can find her causing havoc in the convergence lab. Facebook Twitter Facebook Laura Belpediohttps://www.tcu360.com/author/laura-belpedio/ Rising trend of local distilleries coincides with popularity of TCU’s Science and History of Whiskey Course ReddIt ReddIt Laura Belpediohttps://www.tcu360.com/author/laura-belpedio/ Laura Belpediohttps://www.tcu360.com/author/laura-belpedio/ TCU hosts first ever Arbor Day World Oceans Day shines spotlight on marine plastic pollution Dr. Mike Slattery: The man behind TCU’s Rhino Initiative Laura Belpediohttps://www.tcu360.com/author/laura-belpedio/ printThe Vietnamese Student Association hosted the “Born with Horn” rhino interactive tour event Tuesday in the Brown-Lupton University Union ballroom.The Vietnamese Student Association created this poster for the event.The purpose of the event was to educate students and faculty about the global rhino crisis in South Africa and the illegal trade of the rhinoceros horn in Vietnam.VSA designed the event to have five interactive rooms that students could walk through.Nghi Tran, public relations chair of VSA, said the issue is close to home for her and believes it is important to raise awareness for the cause.“We need people to understand the crisis and how they can help,” Tran said.The 20-minute tour started in room one, where a film was playing that followed a rhino named Geza who was dehorned by poachers. The graphic images of Geza show her mutilated, bloody face after the poachers cut out her horn. At the end of the film, the narrator revealed that most illegally poached rhinos are unable to recover from the wounds.Room two was an overview of the crisis, displaying the reasons horns are illegally traded and purchased in Vietnam. These reasons include health benefits and class status. Also shown in the room were statistics of rhino poaching over the past decade, global attempts at saving the rhinos and the descriptions of the five different rhino species.The next room focused on consumption of the horn in Vietnam. Large infographics displayed the medical uses of rhino horns in Vietnam. These uses include cancer treatment, headaches, impotence, strep throat and numerous different diseases. There was also an interactive board where students could guess certain information about the rhinos. This included how much a rhino horn is worth in Vietnam and the purposes for which rhino horns are used.Room four showed individual and group efforts in South Africa and Vietnam to stop the crisis. VSA displayed a film following multiple studies abroad programs to South Africa for rhino rehabilitation. There were also infographic boards displaying the different organizations that have led the effort to stop the crisis including the Black Mamba Anti-Poaching Unit (APU), the Chipembere Rhino Foundation and the TCU Rhino Initiative.“What TCU students can do specifically is to participate in the fundraising events we have and raise awareness so this crisis can reach more people who would have the financial ability to help it indirectly,” Tran said. “Furthermore they can get involved with the study abroad program or even get involved in research that would help the crisis in South Africa and Vietnam.”The last room was home to TCU’s blueprint on the rhino crises. Here, students could learn about TCU’s involvement and the start of the initiative. Also displayed were pictures from the South Africa abroad program, fliers from the different fundraisers TCU has held and a flier for the upcoming 2017 study abroad program to South Africa.First-year business major Ryan Clark said he was affected by the tour.“I feel kind of depressed,” Clark said. “Seeing more specific examples and in-depth details of poaching and how it’s changing South Africa is difficult, but at the same time, really interesting and informing.”More information about the TCU Rhino Initiative can be found at rhino.tcu.edu + posts Welcome TCU Class of 2025
Facebook BBB Scam TrackerIf you find yourself running out of money before your next paycheck, it may be time to take another look at your budget. You can substantially lower your monthly expenses and save money without making sacrifices.Start by taking a hard look at how much you spend each month or year on fixed costs such as your mortgage, entertainment and communications. In many cases, all you need to do is make a list of your monthly expenses to see where there is wiggle room to reduce those costs.When adjusting your annual spending, it is important to understand how a budget works once it is set. If you write down that you will spend $100 each month on groceries and you continually go over budget, you should not bump up that amount unless you pull that money from somewhere else in your budget.If you have been using a credit card that doesn’t give you any benefits, shop around for a card that offers money back on gasoline purchases, cash back on your monthly bill or points that can be redeemed for other products or services.Another potential for saving money on utility bills is to purchase new, more energy-efficient appliances. “Smart” thermostats can reduce electricity consumption by learning your habits and putting itself into “night mode” or “away from home mode” and automatically lower the air conditioning and heating. According to Nest, which makes home automation devices, a smart thermostat can lower your cooling bill by an average of 15 percent, which might be something worth considering now that Spring is a few weeks away.Better Business Bureau offers quick tips to help put more money in your pocket, bank account or retirement plan right away:Prioritize your savings. When you get your paycheck, instead of immediately putting it all in your checking account, pay yourself first. Put some of that in a savings account and forget about it. Even if it’s $50 or $20. That money will add up over time.Cut down on eating out. It may be tempting to stop at a restaurant for lunch when you’re hungry and don’t have any food in the office. Instead, plan your meals ahead of time and maybe only eat out during special occasions.Know where to find discounts. There are coupon sites, and you can find special offers on retailers’ social media pages and websites. You can also sign up for alerts for upcoming sales.On the flip-side, avoid buying something just because it is on sale. Buy what you need when you need it. A helpful way to determine that is by asking yourself whether you would buy the merchandise it if it was not discounted.For more information on tweaking your budget, go to bbb.org/budget. Facebook Heather Massey is the Regional Director of the Better Business Bureau in the Permian Basin. Check out www.bbb.org or call 563-1880. Pinterest Previous articleAllstate ranks Midland County third stormiest county in TexasNext articleMATTER OF RECORD: Feb. 28 through Mar. 9 admin Local NewsBusiness Twitter BBB: Save without sacrifice by adjusting budgets year-round WhatsApp By admin – March 11, 2018 Pinterest WhatsApp Twitter
Pinterest The Latest: Australia’s 2nd largest city to begin lockdown WhatsApp Facebook Local NewsBusinessUS News Previous articleArizona holds off Oregon State 70-61Next articleSmith makes 38 saves for 40th shutout, Oilers beat Canadiens Digital AIM Web Support Facebook WhatsApp Twitter Twitter Pinterest By Digital AIM Web Support – February 11, 2021 TAGS