M&S tests out new-look bakery

first_imgMarks & Spencer is trialling a new bakery format in the shadow of the new Whole Foods Market superstore, in Kensington, London.The new-look ’Bakery & Patisserie’ department is among a number of innovations at its Kensington foodhall. It has a visible bake-off area behind a long chiller cabinet. A range of specialist loaves, such as sultana and hazelnut or five-seed golden wholemeal, are offered, under the slogan ’The art of baking …taste the extra time and care we take’. There is also a racked section dedicated to organic breads, as well as the standard plant range.The bakery and patisserie range includes chilled cakes and tarts, for example strawberry tiramisu for £6.99 and specialist patisserie. Fresh cream lines, such as fresh fruit individual pavlova at £1.75, are offered.last_img read more

Interview with Alejandro Garuz, Vice Minister of Public Safety, Panama

first_img PANAMAX 2012, a military exercise designed to prepare countries of the Western Hemisphere for the protection of the Panama Canal, started on Aug. 6 with the participation of military forces from 17 partner nations. Alejandro Garuz, Vice Minister of Public Safety of Panama, spoke about that and other subjects in an interview granted to Diálogo during the VI South American Defense Conference. Diálogo: Every year, the U.S. Southern Command (SOUTHCOM), works together with the militaries from almost 20 countries from Central America, South America and the Caribbean, to conduct PANAMAX. From your point of view, what is the importance of this exercise for Panama? Alejandro Garuz, Vice Minister of Public Safety of Panama: Panama received the Canal from the U.S. government on Dec. 31, 1999, and has since started the PANAMAX exercise to provide protection and security for the Panama Canal, together with several countries from the region and from Europe, by summoning the canal treaties and a treaty of neutrality. This exercise is, therefore, definitely paramount. The world economy transits through it and we must provide it with the international security that it requires. Diálogo: Panama accepted the invitation from SOUTHCOM to participate in the IV South American Defense Conference, although it is geographically a Central American country. Why? Vice Minister Garuz: Panama has always participated, because due to its geographical location, part of South America extends to our territory. We also participate in the Central American market, in other words, we maintain two positions: with South America and with Central America. Diálogo: The countries gathered here that have armed forces are confronting a huge problem, mainly with drug trafficking. How does Panama, which does not have armed forces, take on this great challenge? Vice Minister Garuz: After the invasion on Dec. 20, 1989, Panama took the courageous decision to eliminate the armed forces because for 25 years they were involved with the Colombian drug-trafficking cartels. That was when, in a referendum, the defense forces were eliminated in Panama. Now, as a public force, as the Ministry for Public Safety, we face the challenge of taking on narcoterrorism. Unfortunately, due to its geographical location, Panama is the first country in the region to get hit by three drug-producing countries in South America. In a study we conducted at the beginning of Ricardo Martinelli’s presidency, we decided to confront narcoterrorism because it was causing us too much damage. They were using our maritime space, our air space and our land to push drugs through to the northern markets. Part of those drugs evidently remained in our country and was affecting our youth. And that is when our president decided to confront narcoterrorism by earmarking millions of dollars for the purchase of radar equipment for coastline surveillance, aerial radar equipment, and aircraft, helicopters, and patrol boats, to make them available to the public forces to confront narcoterrorism. Diálogo: If a regional defense force was created, even to support in natural disasters, would Panama be willing or interested in being part of this organism? Vice Minister Garuz: Why not? It has already been proposed that we participate with entities organized for that purpose. In Panama, we are even creating a type of central intelligence agency designed to deal exclusively with narcoterrorism, in order to be able to share the information with all the countries in the region. Remember, Panama is a country where information is generated, first because it boasts of an advantageous geographical position, the Panama Canal is within its boundaries, it is the epicenter of all the transfer ports for world-wide shipments, it is a financial hub and because of the importance of the duty-free zone in Colón, which is the second largest commercial center in the world. All of it here, in our own territory. Diálogo: Is Panama participating in Operation Martillo? Vice Minister Garuz: Of course! It is participating in Operation Martillo and we are convinced that everyone, in South America as well as Central America, must join forces to combat narcoterrorism. By Dialogo August 10, 2012last_img read more

4 reasons why SEO may be key to your credit union’s survival

first_img 19SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Here’s a deep thought for ya: If your credit union exists on the fourth page of a Google search, does it really exist at all?Well, sure, it technically exists, but does it exist in the minds of consumers and potential new members? Probably not.The key to capturing your online audience is through a strong SEO (Search Engine Optimization) strategy. According to Forbes magazine, SEO “remains one of the single-most important components of any organization’s branding efforts and online presence.” Still not convinced an SEO strategy is for your credit union? Well, let’s look at some important reasons why you should invest in SEO.Grab more market shareIt’s estimated that somewhere between 80-90% of customers go to the Internet prior to making most purchases. It won’t be long before everyone is searching for products, services and businesses online. Do you want these eager consumers to be able to find your CU, or not? Without an SEO strategy in place, people will have a difficult time finding you and will instead find your competitions.One of the best ROI’sSEO will reward your credit union’s bottom line at a higher rate than most traditional forms of offline advertising. SEO is an inbound marketing strategy, which allows you to market to people who are looking for the services your credit union provides. You won’t be interrupting their favorite TV show. You won’t take up unnecessary space on a page where they’re reading a news article. Your CU will simply show up when potential members are looking for businesses like yours. With SEO, half the battle is won before it even starts. continue reading »last_img read more

Beyond relief: Why Project Storm Break matters

first_img180,000 homes. 30,000 buildings. 150,000 lives. Tuesday, January 12, 2010 will forever be a day Haitians remember with a sense of sorrow. Members throughout Haiti’s credit union movement were hurting. Their lives were turned upside down by a 7.0 magnitude earthquake that had just rocked the nation, disrupting daily life for many—not just in the days, weeks, and months ahead—but for more than a year afterward. Food, water, shelter and medical supplies were essential to survive. Access to financial resources were essential to getting family and friends a lifeline of cash to get them through the storm.The World Council of Credit Unions galvanized its global cooperative network in putting out the call to acquire and distribute crucial supplies, financial resources, and communication tools to reach their members and colleagues with this vital support to rebuild. Providing life-saving support to members is the primary goal, but the long-term results transformed Haiti’s credit union system forever. Increased member loyalty to credit unions as financial providers, membership gains across the sector, and the creation of Haiti HOME—a WOCCU/USAID project—that has fueled the creation of a larger market for housing finance and infrastructure where builders, financiers and members all win.Fast forward to 2017, when Hurricane Maria damaged the island of Dominica, disrupting 90% of its GDP, damaging credit union branches and the headquarters of the Dominican Cooperative Societies League Ltd. (DCSLL)—forcing its leaders to look at other strategies to get its cooperative system back on its feet, while serving its members more efficiently for the long term. A key outcome was a multi-year partnership between DCSLL and the Indiana Credit Union League to share best practices, strategic initiatives and provide technical cooperation. Would a partnership such as this have been created without initial disaster relief aid? Project Storm Break (PSB), a new initiative launched by the Worldwide Foundation for Credit Unions, seeks to address a logistical glitch in providing relief aid: the process of putting out the call for support on a global scale versus responding immediately with resources during the critical period of life or death for our members. Year one of PSB was a tremendous success, as we were able to raise over $100,000 for the Foundation’s general disaster relief fund to serve this specific purpose. DCSLL General Manager Phoenix Belfield, speaking at the Foundation’s Champion Celebration at the 2019 World Credit Union Conference, described the care and impact of contributions to Dominica from personal experience:“Because of your resolve, I stand here today, assured that someone from our movement is out there—someone to lend help and support. Excitement permeated my veins at the thought of our movement being concerned about our tiny island. That made me forget that I hadn’t had a warm meal in 72 hours or a cold drink in five days. Donations have been spent to provide immediate member relief, support long-term physical reconstruction of credit union branches and provided a financial ripple effect, as local funds were redirected to provide waivers of loan repayment of up to four months for our needy members.”Credit union disaster relief aid will always be about supporting the survival needs of staff and members in the days and weeks after a disaster. But there is also an opportunity for long-term growth. Providing immediate resources to credit unions is a vital first step, but this period of disruption also offers an opportunity for strategic cooperative collaboration among credit union peers.  Every dollar matters. Project Storm Break will be active, open and relevant as natural disasters continue to strike and disrupt credit unions, and the lives of their members. Beyond initial aid, as Haiti and Dominica have proven, opportunities arise to take a step back and strategically pivot in deploying strategies that make credit unions systems—and their collaborative partnerships—stronger and more sustainable. 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Mike Reuter Mike Reuter is the Executive Director of the Worldwide Foundation for Credit Unions, the 501c3 charitable nonprofit that supports the World Council of Credit Unions in its mission of providing … Web: https://www.woccu.org Detailslast_img read more

Preservation of Dubrovnik tradition: New uniforms of Dubrovnik trombonists presented

first_img Photo: Anna Serrano Photographer According to tradition, the date of the founding of this historical-military unit dates back to 1417, when they were mentioned as “bombers” or artillerymen as part of the military forces of the Republic of Dubrovnik. At that time, the people of Dubrovnik were known for making “bombard” cannons, while nowadays the Dubrovnik trombonists are named after the trombone, a weapon from which they fire platoons that are associated with firing from cannons. Trombonists participate in all important events in Dubrovnik, but also throughout Lijepa naša. Their most important role is to lead the procession on the feast of the patron saint of the city, St. Blaise, on the third of February, when the day of the city of Dubrovnik is also celebrated.Let us respect ourselves, so that others may respect us. The Society of Dubrovnik Trombonists gathers members from 18 to 80 years of age and all of them pass on the values ​​of the Dubrovnik tradition from generation to generation.As part of the ValamArt program, one of the nine umbrella programs for Valamar’s socially responsible business, the Dubrovnik Trombonists Association received financial support from Valamar, and in 2018 the trombonists will receive new uniforms. We continuously support numerous cultural initiatives and projects, and the main performance of the Dubrovnik trombonists at the Feast of St. Blaise, which is on the UNESCO list of intangible heritage, is certainly one of them, said Valamar.Due to their practicality, trombonists wore uniforms similar to the uniforms of soldiers and hunters for many years, and in 1997 the artist Marin Gozze designed a new uniform solution in accordance with the historical colors and characteristics of the Republic of Dubrovnik. “Today, twenty years later, the time has come to renew our uniforms and with the support of Mr. Gozza we expect an even more beautiful and solemn uniform. The importance of the renewal of uniforms was also recognized by Valamar Riviera, which pays great attention to projects with important cultural significance, and I believe that in 2018 we will perform together in new uniforms.Said Tomislav Macan, president of the Dubrovnik Trombonists.Thus, the celebration of the day of the Dubrovnik trombonists on the day of the patron saint of artillery, St. Barbara, on December 4 was an ideal occasion to complete sketches their new uniforms. Photo: Valamar Riviera Photo: Valamar Rivieralast_img read more

Occupiers’ Property Strategy of the Year

first_imgTo access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletterslast_img

Love the water? This Gold Coast property is for you

first_imgThe property backs on to a canal and overlooks the Broadwater.“This morning there were dolphins out the back swimming around the pontoon,” she said.“I like to get on my paddleboard of a morning.”The location of the property allows for 180 degree views of the Broadwater from most rooms, and long canal water views with bridge-free access for boating. The house has multiple living spaces, three bedrooms and three bathrooms. It was once a prize home.That was almost 20 years ago, and now Mrs Leigh-Smith is downsizing after her husband passed away. The couple raised their young family in the house and Mrs Leigh-Smith said it was an ideal home for families.More from news02:37International architect Desmond Brooks selling luxury beach villa20 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag2 days agoThe interior of the concrete house is spacious, with large glass panels to capture the view. Living spaces include a designer kitchen, a centrepiece staircase, a formal lounge room and a family or games room. The pool has a waterfall feature and overlooks the canal with a private pontoon.Outside features a pool with waterfall feature and gazebo, overlooking a private pontoon.Mrs Leigh-Smith, who works at Runaway Bay Marina, said the property was also ideal for someone who loves the water. 8 Constance Esplanade, Runaway Bay is set to go to auction later this month.MOST homes carry memories for their owners but for vendor Mary Leigh-Smith, this house is extra special.“On the day we got married, I got ready here,” Mrs Leigh-Smith said. “We were friends with the people who built the house, then 10 years later we bought it.” last_img read more

Dutch roundup: ING, Philips, TNO, SPW

first_imgThe €25bn Pensioenfonds ING saw its financial position improve over the last quarter due in particular to the 3.7% return on its 71% fixed income holdings.This more than offset the 5% loss on its return portfolio with its remaining assets, leading to a positive overall return of 1.1%.Moreover, because the quarterly rate for inflation was lower than expected, the scheme’s funding in real terms increased by 1.5 percentage points to 93.2%.Its official policy coverage – the average funding of the previous 12 months, and the criterion for indexation and rights cuts – remained at more than 140%. The ING scheme said real estate returned 1.5% over the last quarter and 11.8% year to date. In other news, the €17.3bn Philips Pensioenfonds reported a quarterly loss of 1.6%, taking its cumulative result for the year to 0.1%.It attributed the performance to “significant losses” on equity, commodities and emerging market debt.As a result of the loss and falling interest rates, its actual funding fell by 6.3 percentage points to 107.7%.The policy coverage, which also fell as a consequence, stood at 112.6% as of the end of September.Elsewhere, the €3bn Pensioenfonds TNO said it lost 1.1% during the third quarter but that the loss was limited by the 0.3% return on its combined hedge against interest and currency risk.The scheme said quarterly returns varied widely, with local currency-denominated emerging market debt losing almost 10%, whereas US high-yield investments returned 7%, “due in part to the appreciation of the dollar relative to the euro”.It said an 8.6% return on Japanese equity was in stark contrast with an almost equally large loss on equity from Hong Kong, Singapore, Australia and New Zealand.The scheme’s performance over the first nine months was nearly 1.3%.The Pensioenfonds TNO closed the quarter with a policy funding of 112.5%.Lastly, SPW, the €10.5bn pension fund for Dutch housing corporations, reported a quarterly loss of 1.7%, which included a 1.4% return on its extensive interest hedge.The sector scheme said it lost 17.5% on emerging market equities and 19.7% on commodities.It also reported loss of 8.8% on developed market equities and 7.2% on emerging market debt.Private equity, infrastructure and property were the best-performing assets classes, producing returns of 12.5%, 11.5% and 8.9%, respectively. Hedge funds have generated 10.1% since January, according to the pension fund, which reported an overall return of 0.3% over the period.last_img read more

UWI Open Campus in Dominica launches new 2012 online programmes

first_img 106 Views   no discussions Online courses targeting youth development and early childhood development have been officially launched in Dominica.Dr. Francis Severin.The University of the West Indies Open Campus on Thursday officially launched the Bachelor of Education in Early Childhood Development and Family Studies and the Bachelors of Science in Youth Development Work.The New 2012 online programs were launched teleconference style at the campus office on Elmshall Road.Head of the UWI Open Campus Dr. Francis Severin explained that the program targets a wide range of practitioners.“It is not just for a certain set of individuals. It is for several people. Secondary school graduates pursuing tertiary study for the first time and who wish to pursue a career in this field, individuals with certificates or associate degrees in early childhood education, social work, psychology, pediatric nursing and children and youth studies,” he said.Dr. Severin said the program is also targeting individuals with at least one years experience working in an early childhood setting, individuals with degrees in other fields who are seeking a change to career to early childhood and family studies as well as current practitioners or professionals working with very young children.“It is also targeting individuals interested in pursuing a career in relates areas of pre-school childcare, national education system, community service, social services, medicine, government , communications, business and early childhood related research,” he explained.The program is scheduled to commence in September 2012 and can be completed in a minimum of three academic years.Dominica Vibes News Sharing is caring! Tweet EducationLocalNewsTertiary UWI Open Campus in Dominica launches new 2012 online programmes by: – February 29, 2012center_img Share Share Sharelast_img read more

Groups confirmed for the FIFA eClub World Cup 2020

first_imgFollowing an exciting online qualification phase involving over 190 teams, the groups for the FIFA eClub World Cup  2020 have been set following the Draw, which took  place on Tuesday at the Home of FIFA in Zurich, Switzerland. FIFA President Gianni Infantino Twenty-four of the world’s best teams, consisting of an elite group of competitive FIFA players, will battle it out in a unique 1v1 and 2v2 format in Milan, Italy from7-9 February. After a round-robin group stage, teams will compete in the knockout phase to find out who will be crowned the official club team world champions of competitive FIFA.Advertisement Loading… Promoted ContentWhat Are The Most Delicious Foods Out There?9 Facts You Should Know Before Getting A TattooBirds Enjoy Living In A Gallery Space Created For ThemSuperhero Castings That People Hated But Were Amazing7 Ways To Understand Your Girlfriend Better2020 Tattoo Trends: Here’s What You’ll See This Year6 Extreme Facts About Hurricanes6 Great Ancient Mysteries That Make China Worth Visiting8 Best 1980s High Tech Gadgets15 Extremely Surprising Facts About Disney PrincessesCan Playing Too Many Video Games Hurt Your Body?This Guy Photoshopped Himself Into Celeb Pics And It’s Hystericalcenter_img As part of FIFA’s initiative to involve clubs and organisations in order to further improve its competitions, Tuesday’s draw took place during a dedicated workshop involving participating clubs at the Home of FIFA. Read Also:2022 FIFA World Cup Qatar: Underrate CAR, Liberia, Cape Verde at your peril, Esin warns Nigeria A total of 100,000 USD and essential Global Series points on the Road to the FIFA eWorld Cup™ 2020 will be distributed amongst the 24 participating teams. FacebookTwitterWhatsAppEmail分享 last_img read more