British American Tobacco Zimbabwe Limited (BAT.zw) listed on the Zimbabwe Stock Exchange under the Agricultural sector has released it’s 2012 annual report.For more information about British American Tobacco Zimbabwe Limited (BAT.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the British American Tobacco Zimbabwe Limited (BAT.zw) company page on AfricanFinancials.Document: British American Tobacco Zimbabwe Limited (BAT.zw) 2012 annual report.Company ProfileBritish American Tobacco (BAT) Zimbabwe Holdings Limited manufactures, distributes and sells tobacco products for local consumption through a network of independent retailers and distributors. Zimbabwe is the 6th largest tobacco grower in the world and the largest in Africa. Three types of tobacco are grown in the country; Virginia flue-cured, burley and oriental tobacco. Over 95% of Zimbabwe’s tobacco is flue-cured; and more than half of its production is exported to China. The company has recently adopted a mutually-beneficial contract system which is reaping rich rewards; the entire crop is bought from the farmer at the end of the season in return for a supply of seed and fertilizer, and expert training by an agronomist on agricultural techniques. Its head office is in Harare, Zimbabwe. British American Tobacco is listed on the Zimbabwe Stock Exchange
Seed Co Limited (SEED.zw) listed on the Zimbabwe Stock Exchange under the Agricultural sector has released it’s 2012 interim results for the half year.For more information about Seed Co Limited (SEED.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the Seed Co Limited (SEED.zw) company page on AfricanFinancials.Document: Seed Co Limited (SEED.zw) 2012 interim results for the half year.Company ProfileSeed Co Limited is the leading producer and marketer of certified crop seeds in Zimbabwe, supplying hybrid maize seed to commercial farmers as well as wheat, soya bean, barley, sorghum and ground nut seed. The seeds is grown from parent seeds under contract by an established network of seed producers. Innovation and pioneering breeding methods drive the Seed Company’s success; having successfully developed hybrid crop seed varieties in Zimbabwe that are recorded as the highest yielding varieties in their class. The Seed Company has a dedicated research team; producing hybrid crop seeds and non-hybrid cereals and oil crop seed varieties that are suitable and adaptable for Zimbabwe’s ecological conditions. Seed Co Limited is listed on the Zimbabwe Stock Exchange
CBZ Holdings Limited (CBZ.zw) listed on the Zimbabwe Stock Exchange under the Banking sector has released it’s 2015 abridged results.For more information about CBZ Holdings Limited (CBZ.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the CBZ Holdings Limited (CBZ.zw) company page on AfricanFinancials.Document: CBZ Holdings Limited (CBZ.zw) 2015 abridged results.Company ProfileCBZ Bank Limited is a commercial bank in Zimbabwe; and licensed by the national banking regulator, the Reserve Bank of Zimbabwe. CBZ Bank was founded in 1991 when the Zimbabwe government took control of the defunct Bank of Credit and Commerce. The government assumed a 100% ownership, but this has been diluted through privatisation and its listing on the Zimbabwe Stock Exchange in 1998. CBZ Bank is now a wholly-owned subsidiary of the listed financial services group CBZ Holdings and offers the full spectrum of financial services; from retail and commercial banking to treasury services, group investment banking and asset management, short- and long-term insurance, security trading and property investments. CBZ Holdings Limited is listed on the Zimbabwe Stock Exchange
Courteville Business Solutions Plc (COURTV.ng) listed on the Nigerian Stock Exchange under the Support Services sector has released it’s 2020 interim results for the third quarter.For more information about Courteville Business Solutions Plc (COURTV.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Courteville Business Solutions Plc (COURTV.ng) company page on AfricanFinancials.Document: Courteville Business Solutions Plc (COURTV.ng) 2020 interim results for the third quarter.Company ProfileCourteville Business Solutions Plc is the largest e-business solutions company in West Africa and offers financial management and advisory services, business solutions, e-commerce and online marketing solutions. The company is the patent owner of the AutoReg TM Business Solutions Platform. Courteville Business Solutions Plc is represented in 24 states in Nigeria and has business interests in Guinea, Zimbabwe and Jamaica. Other e-business services include NAPAMS, a regulated product administration and monitoring solution for NAFDAC; NIID, an insurance policies database solution for the Nigerian Insurers Association (NIA) and the Insurance Council of Zimbabwe (ICZ); and the AutoReg Inspector TM remote verification tool for law enforcement agencies. Courteville Business Solutions Plc’s head office is in Lagos, Nigeria. Courteville Business Solutions Plc is listed on the Nigerian Stock Exchange
3 FTSE 100 dividend stocks I wouldn’t touch in 2020 Enter Your Email Address The FTSE 100 is offering some very attractive dividends, but a high yield on its own is not always a sign of a buy. If earnings fall short, dividends can have to be cut, and some of our top dividends are only weakly covered. Here are three that I think could come under pressure in 2020.SteelSteel producer Evraz (LSE: EVR) is on a forecast dividend yield of 13%. The payment would be covered about 1.2 times by forecast earnings, which might in itself be manageable if there were earnings rises on the cards to provide better cover in future years, but EPS forecasts are falling at Evraz.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…The shares are on a forward P/E of 6.5, which suggests either that investors haven’t spotted the big dividend yield, or that they don’t want it. It’s clearly the latter, and it looks to me like the company is priced perhaps even for a risk of going bust.The biggest problem is the debt the firm carries, standing at $4,526m at 30 June, and the outlook for the company based on falling steel demand doesn’t suggest that the figure will get better any time soon. The chairman and other top shareholders of the Russian company having dumped shares also doesn’t inspire confidence.I think the dividend needs to be suspended and that Evraz is way too risky for me.InsuranceThe Standard Life Aberdeen (LSE: SLA) share price has been picking up since August, but it’s still down 30% over the past two years, and forecast dividends stand on a yield of 6.5% for this year and next. The trouble is, predicted earnings don’t come close to covering that, accounting for just 85% of the mooted 2019 payment and 88% of 2020’s.Part of the problem has been the difficulties and costs of managing the merger of the old Standard Life with Aberdeen Asset Management to create the new entity, though it’s looking as if 2019 could prove to be a turning point.But assets under management have slumped, and although that’s only a relatively small part of the combined business these days, I think it’s a cause for concern.I suspect Standard Life Aberdeen will stick it out in the hope that earnings will soon rise to cover the dividend. But with an EPS increase of only 4% on the cards for 2020, I think a dividend cut would be a good move.PhonesMy third choice is a company that has already cut its dividend, in the year ended March 2019. I’m talking of Vodafone (LSE: VOD), which was clearly paying a dividend it really couldn’t afford for years, but stubbornly held on until sense finally dawned.The trouble is, the dividend forecast for March 2020 still isn’t covered by predicted earnings, which would reach only 82% of the required amount. And though forecast earnings rises would bring EPS up to 1.08 times the dividend in 2021, that’s still very thin, even if in fact covered.I reckon Vodafone needed to reduce its dividend payments further, and I think there’s a chance that could happen some time in the next 12 months. Perhaps not a big chance, given its severe dislike of such an action, but I reckon it could put the company in a more attractive investment position for the long term.I wouldn’t buy until I see decent dividend cover. Image source: Getty Images “This Stock Could Be Like Buying Amazon in 1997” Alan Oscroft | Sunday, 29th December, 2019 | More on: EVR SLA VOD Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Simply click below to discover how you can take advantage of this. Alan Oscroft has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! See all posts by Alan Oscroft 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 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.
Wales backs no longer reliant on power – but it’s thereThree years ago, power through contact was all that the Wales back-line had. Thanks to the selection of players like Hadleigh Parkes, Steff Evans and Liam Williams, as well as a change in approach from Leigh Halfpenny, that is no longer the case.However, as the Welsh back-line proved against Scotland, the power is still there and when turned up to 11 it is devastating.Central figure: Hadleigh Parkes tries to get past Hamish Watson (Getty Images)After two or three mixed seasons, George North has become George North 2.0. Against Scotland he carried the ball only 33 metres, which is low for a wing. But when you consider that most of those yards were achieved with Scottish people hanging off his back, it is remarkable.His try was YouTube worthy. With players clinging onto his shorts and limbs, he looked like a husky dragging a balsa wood sleigh. But the power game in the Welsh back-line didn’t end with North. Jonathan Davies had one of those games where he looked like he was handing off shop mannequins, not 16st men. His fend on Huw Jones was so devastating that it led Gregor Townsend to single him out in the post-match press conference.Game clock can’t dictate refereeing decisionsBefore we cut open the carcass and dissect Owen Farrell’s tackle, let’s start by stating that refereeing elite rugby is the second most thankless job in the world – working on Donald Trump’s PR team being the first.But whilst recognising that Angus Gardner was placed in a difficult scenario at the end of the England v South Africa game, where the tackle decision could decide the game, we cannot ignore the significance of the call and particularly the timing.Whether you think the hit was worthy of no sanction, a penalty, yellow or red, if the tackle had happened in the first third of the game the outcome could well have been different.Related: Owen Farrell’s tackle divides opinionFarrell’s tackle was of the Venus de Milo type – plenty of shoulder, a touch of bicep and no forearm. Rugby union is no longer the same game as it was in the 1980s and neither is it comparable to rugby league, so any comparisons with the former are pointless. Using modern-day interpretations, it was a penalty, probably no more than that.Flashpoint: Owen Farrell tackles Andre Esterhuizen (Getty Images)Had the incident happened at any point other than in the last minute of the game, South Africa would have most likely had a shot at goal.The upshot is that not only are players and supporters bewildered by tackle interpretations, but that those interpretations are also affected by the game clock. It’s as confusing as it is annoying.Jordan Larmour takes another step forward Jordan Larmour’s career took another big step forward by taking about 35 steps to the left and to the right for Ireland against Italy in Chicago.Related: Jordan Larmour scores hat-trick against ItalyAdmittedly it was against an understrength Italian team, but it shouldn’t taint what was a Rieko Ioane/Kurtley Beale-type performance from Larmour. He made six clean breaks and beat 12 defenders. Yup, 12.To beat four defenders means that you had a good game. Six defenders slain indicates an excellent performance. Whereas 12 is the type of number that Kim Jong-un’s advisors would attribute to their leader should he ever play (he looks like a loosehead to me).Dancing feet: Jordan Larmour makes a break against Italy (Getty Images)It is understandably difficult for Larmour to break into the current Irish back-line. Such is the consistency of Rob Kearney, Keith Earls and Jacob Stockdale that a starting berth looks unlikely until after the Rugby World Cup. But as we head towards Japan 2019, he is beginning to look like the best bench player in the world.Boks’ blueprint is back and it is workingSouth Africa may have lost at Twickenham, but after a three-season rebuild, they are back. And the manner in which they’re ‘back’ is important.As well as the understandable and necessary player quotas, the Boks have been sidetracked by trying to change their blueprint and copy the Kiwis. But thankfully it looks like they are reverting to the Bok way: big carriers, carrying big.When you have Eben Etzebeth, Pieter-Steph du Toit, Siya Kolisi and Duane Vermeulen you don’t really need a rapid offload game. Why risk an offload when the metres gained after the tackle are so big? And when Etzebeth was substituted, they brought on RG Snyman – a man so big that his skull is the same size as my first car.The most effective changes against England were in the centre. Damian de Allende and Jesse Kriel are often derided in South African rugby because they can’t pass and offload like Sonny Bill Williams or Jack Goodhue, but when your centre partnership is carrying nearly 100 metres and beating eight defenders it doesn’t matter.Big impact: Damian de Allende was a big performer for the Boks at Twickenham (Getty Images)It’s not as if the Boks don’t have creative players in the back three. S’busiso Nkosi, Damian Willemse and the ever impressive Aphiwe Dyantyi provided plenty of steps and slides against England. And with Faf de Klerk and Willie le Roux backstage, the creativity levels can be dialled up further. The Boks are back and it’s great to see.It wasn’t a good day for creative ScotlandAt the moment, Scotland are probably many supporters’ second favourite Test team. As with Glasgow, the style of rugby that they play is pleasing to the eye. ‘Steppy’ full-backs and triple-threat outside-halves, in Finn Russell and Adam Hastings, mean they’re a team heavy on line breaks, offloads and the resulting tries.Tough day: Adam Hastings is thwarted by the Welsh defence (Getty Images)But. And there is a but. When the forward platform doesn’t function, as it didn’t against Wales, there is no ‘option b’. To say that Scotland’s pack was shut down by Wales would be a dramatic overstatement – nearly as dramatic an overstatement as Eddie Jones stating that the rugby media want him sacked.Scotland carried for 420 metres v Wales’ 294. Scotland had 60% of the ball and 64% of the territory. And Hamish Watson had the sort of devastating performance that makes you wonder if he has any power tools at home – he probably just uses his head. LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Touchdown: Jonathan Davies scores Wales’ second try against Scotland (Getty Images) However, when Wales slowed down Scotland’s ruck speed, which Justin Tipuric, Ken Owens and Dillon Lewis did to great effect, the heavy carries just weren’t enough to get them over the gain-line. Scotland will improve this autumn. We can be sure of that.Follow Rugby World on Facebook, Twitter and Instagram. Paul Williams reflects on the big talking points from the opening weekend of the 2018 autumn Internationals
God’s Loftstory / Leijh Kappelhoff Seckel van den Dobbelsteen architectenSave this projectSaveGod’s Loftstory / Leijh Kappelhoff Seckel van den Dobbelsteen architecten CopyAbout this officeLeijh Kappelhoff Seckel van den Dobbelsteen architectenOfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingLoftRefurbishmentAdaptive reuseWoodVeldhovenHousesThe NetherlandsPublished on November 21, 2012Cite: “God’s Loftstory / Leijh Kappelhoff Seckel van den Dobbelsteen architecten” 21 Nov 2012. ArchDaily. Accessed 11 Jun 2021.
Save this picture!Courtesy of Rouby Hemmerlé Architectes+ 14 Share CopyHouses•Saint-Clair, France Houses 2013 Year: ArchDaily ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/786712/passive-house-rouby-hemmerle-architectes Clipboard CopyAbout this officerhb architectesOfficeFollowProductWood#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesSaint-ClairFrancePublished on May 04, 2016Cite: “Passive House / rhb architectes ” 04 May 2016. ArchDaily. Accessed 11 Jun 2021.