Investors must regain the initiative

first_img whatsapp DO your own homework and take greater responsibility for your money: this must become investors’ new motto. They must start to rely less on the opinions of outsiders – auditors, rating agencies and sell-side analysts – and more on their own judgment. Here is how I would change things.Until the 1970s, credit rating agencies used to be paid for by investors, rather than by the issuers of securities. As so often with what appears to be a market failure, the change was in fact triggered by the US authorities. What is needed is a return to the older model, and a further loosening of regulations that limit the number of authorised agencies. Too many institutional investors must, by law or for other reasons, only invest in securities rated in a certain way. This must also change: rules governing funds should become concept-based and more descriptive: “low risk” should be used rather than “investment grade”, for example. This would be no panacea: some buy-side firms may still wish to use sloppy rating agencies, hoping to boost returns by investing in risky assets wrongly described as safe. Buyers and sellers of debt may sometimes seek to collude against the interests of investors. And it is impossible for any rating firm to get it right all the time. Ultimately, those whose money is at stake must examine investments closely and no longer place as much trust in the ratings of a security, regardless of who has paid for it. Auditors emerged far better from the crisis: any negligence should be punished, of course, but the industry cannot be blamed for the crunch. Accountancy firms are not meant to reconstruct the entire books of a company – if that is what shareholders want, they will have to pay much more in fees. Auditors are not meant to question the entire business model of an industry, especially when it has been given the green light by regulators. They are not supposed to refuse to sign off books just because there is (say) a two per cent chance of a sovereign crisis in the Eurozone. Adding pages of disclaimers to audit reports won’t help – nobody will read them. Again, the main lesson is that investors need to take greater responsibility – you can’t subcontract everything. What about sell-side analysts? Their work is very useful – and an essential part of my own daily reading – but the industry is excessively optimistic, as McKinsey has conclusively proved. It is especially too upbeat just before a recession and then too pessimistic at the start of the recovery. There are still far too few sell recommendations. Few analysts predicted the crisis (but neither did most buy-side firms, universities, regulators and media groups). The answer isn’t more regulation; that was tried after the dot.com collapse. Evolutionary forces inevitably reward trend-followers and penalise dissidents: when the stock market keeps on rising quarter after quarter, the bears get sacked and the bulls rewarded. Investors must buy more research from ideologically diverse independent research firms and groups specialising in blue skies thinking and scenario planning; or commission forensic research. Buy-side firms must also do more of their own analysis, with an obsessive wariness of the psychology of the herd. The best way for the City to improve its performance is for buy-side firms and fund managers to take greater responsibility – and for institutional and retail investors to support them. Easier said than done, but [email protected] me on twitter: @allisterheath KCS-content More From Our Partners Why people are finding dryer sheets in their mailboxesnypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comKiller drone ‘hunted down a human target’ without being told tonypost.comPuffer fish snaps a selfie with lucky divernypost.comUK teen died on school trip after teachers allegedly refused her pleasnypost.comFeds seized 18 devices from Rudy Giuliani and his employees in April raidnypost.comI blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.comInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comConnecticut man dies after crashing Harley into live bearnypost.comMark Eaton, former NBA All-Star, dead at 64nypost.com by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeStyleVamp7 Celebs Who Were Kids in 2010 and are now Super AttractiveStyleVampAmoMediaMan Leaves Wife For Her Sister, Her Revenge Is BrilliantAmoMediavirimi.com14 Efficient Arm Workouts To Build Might & Muscle – Virimivirimi.comCrawl Space RepairFoundation Repair Cost In Scottsdale May Surprise YouCrawl Space Repairwomengetfreebies.comGet free samples sent to your home. 100% free. Sign up Nowwomengetfreebies.comPlumbing ServicesPlumber Prices In Scottsdale might surprise YouPlumbing ServicesfddStimulus News Updatesfddcutenova.comTake a Peek at 10 of the Most Expensive Houses in the Worldcutenova.comCleaning Services | Search AdsHere’s What Cleaning Services In Scottsdale Should Actually CostCleaning Services | Search Ads Share center_img Show Comments ▼ whatsapp Investors must regain the initiative Tags: NULL Monday 17 January 2011 9:38 pmlast_img read more

Blacklisting threatens to restart Nigerian regulatory battle

first_imgAddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter Topics: Legal & compliance Lottery The long-running dispute between Nigeria’s gambling regulator the National Lottery Regulatory Commission (NLRC) and the Lagos State Lottery Board (LSLB) could resume after the state regulator blacklisted a number of operators licensed by its federal counterpart. Blacklisting threatens to restart Nigerian regulatory battle Email Address Subscribe to the iGaming newsletter Regions: Africa Western Africa Nigeria Tags: Mobile Online Gambling OTB and Betting Shops The long-running dispute between Nigeria’s gambling regulator the National Lottery Regulatory Commission (NLRC) and the Lagos State Lottery Board (LSLB) could resume after the state regulator blacklisted a number of operators licensed by its federal counterpart.The NLRC noted “with dismay” that the LSLB had added GabLotto, Give ‘n’ take, MLotto, WesternLotto, WescoLotto, Chopbarh, Betbiga, Betwinner, Bet24hrs and Truthware Solutions, operator of the Zoomlifestyle lottery, to its blacklist.The Lagos board also publicly claimed Truthware Solutions was conducting its business without necessary approval, to discourage citizens in Nigeria’s largest urban area from playing.However, all these companies have secured federal licences, which the NLRC said precluded the LSLB from blocking their operations in the state.
“As the apex regulator of lotteries and gaming in Nigeria, the NLRC is not in doubt of its mandate and powers conferred on it by the National Lottery Act 2005, which is the contemporary law governing lottery and gaming activities in modern Nigeria,” the NLRC said.“Any operator licensed by the federal government has the right and is free to conduct business of lottery and gaming in any part of the federation (Lagos State inclusive).”It argued that the validity of its licences across all states was supported by a “plethora” of court judgements, which ultimately invalidated the blacklisting of the brands in Lagos.The dispute threatens to restart a long-running battle between the NLRC and LSLB over regulatory jurisdiction. The state lottery board, which was formed before the national regulator, has previously cracked down on operators licensed at a federal level, demanding these businesses secure an LSLB licence in order to continue targeting players in the state.This ultimately led to Lagos States’ then-governor Akinwunmi Ambode stepping in to mediate between the parties, in May 2019. Legal & compliance 4th May 2020 | By contenteditorlast_img read more

In case you missed it: The Apopka news week in review

first_img 6 stories that shaped Apopka’s news week:Publix expands COVID-19 vaccine offerings as Florida ramps-up inoculations for seniorsPrize of up to $5,000 awaits the winner of the inaugural Lake Apopka Fish Tag ChallengeCity of Apopka ranks in top 15% for 2020’s safest small city in FloridaMLK: Protest with resolve, and without violenceGas prices rise 11 cents, oil hits 11 month high; see best Apopka gas pricesThe Power of Choice: Finding the energy mix that’s right for you LEAVE A REPLY Cancel reply Please enter your name here Support conservation and fish with NEW Florida specialty license plate You have entered an incorrect email address! Please enter your email address here Please enter your comment! TAGSapopkaICYMIIn Case You Missed ItnewsTop StoriesWeek in Review Previous articleOrange Co. shares warning of vaccine-related scams, updates on vaccine assistance, COVID numbers and moreNext articleApopka remembers the dream in 12th Annual MLK Parade Denise Connell RELATED ARTICLESMORE FROM AUTHOR Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Share on Facebook Tweet on Twitter The Anatomy of Fear Save my name, email, and website in this browser for the next time I comment.last_img read more

Leinster’s hammering of Munster in the Magners League

first_imgFriday Oct 9, 2009 Leinster’s hammering of Munster in the Magners League Leinster produced a more than convincing display against arch rivals Munster at the RDS last weekend, beating them 30-0 in this Irish heavyweights Magners League clash.Yesterday we featured the stamp by prop John Hayes from the same match, but today weve got some highlights up for you after many requests.The home side embarrassed the star studded reigning Magners League champions as they scored tries through Gordon DArcy, Brian ODriscoll, and Shane Horgan.Flyhalf Jonny Sexton outshone rival Ronan OGara as he scored 15 points with the boot while putting in another impressive personal display.Munsters Paul OConnell has since insisted that the defeat will spur his side on for their first Heineken Cup clash, against Northampton Saints this Saturday.“Everything needs to improve from last weekend. I think if it does, we have a good chance at the weekend.“I think it will be a big motivation for us having had such a disappointing performance last Saturday. We did none of our basics well and that’s the most important thing you do.“Going away to Northampton and going away to Perpignan are going to be incredibly tough games, so we’re going to be concentrating on getting out of our group first and foremost,” he added. The Heineken Cup kicks off tonight, with action all the way across the UK and Europe for the next few months. Well cover everything we can, but be sure to make notes and use our forum for requests. Every bit helps. Time: 07:58ADVERTISEMENT Posted By: rugbydump Share Send Thanks Sorry there has been an error Related Articles 81 WEEKS AGO scottish prop saves fire victim 84 WEEKS AGO New Rugby X tournament insane 112 WEEKS AGO Vunipola stands by his comments supporting… From the WebThis Video Will Soon Be Banned. 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We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel ADVERTISEMENT Trending 6 DAYS AGO HUGE controversy sees Borthwick call Pat Lam a liar during heated Prem clash 5 DAYS AGO Melbourne Rebels do their best to wreck Bryn Gatland 4 DAYS AGO Lam’s explanation of bizarre situation that caused heated touchline argument 5 DAYS AGO François Steyn’s ridiculous 60-metre drop goal which left commentators in hysterics 5 DAYS AGO The time Waisale Serevi used his iconic hitch-kick to carve up Scotland in 2000 Great Tries 5 DAYS AGO Eye-opening compilation shows why Taulupe Faletau could harm Springboks this Summer 5 DAYS AGO The time Waisale Serevi used his iconic hitch-kick to carve up Scotland in 2000 1 WEEK AGO Veainu finishes superb try after octopus style offload from Waisea 2 WEEKS AGO FULL MATCH REPLAY: Huge stars on show when All Blacks host Pacific Island XV in 2004 2 WEEKS AGO WATCH: Hooker produces ridiculous speed to score 60-metre wonder try for Hurricanes View All Big Hits & Dirty Play 1 DAY AGO Awesome new Etzebeth montage will have Springboks fans psyched for Summer Lions tour 5 DAYS AGO Melbourne Rebels do their best to wreck Bryn Gatland 5 DAYS AGO Eye-opening compilation shows why Taulupe Faletau could harm Springboks this Summer 5 DAYS AGO Re-live O’Driscoll’s EPIC try-saving tackle in 2003 RWC quarter-final 1 WEEK AGO AWESOME video shows the very biggest and best tackles of the 2020/21 season View All See It To Believe It 4 DAYS AGO Cheetah racer Habana reveals what was actually going through his mind that day 4 DAYS AGO Lam’s explanation of bizarre situation that caused heated touchline argument 5 DAYS AGO François Steyn’s ridiculous 60-metre drop goal which left commentators in hysterics 5 DAYS AGO Re-live O’Driscoll’s EPIC try-saving tackle in 2003 RWC quarter-final 6 DAYS AGO HUGE controversy sees Borthwick call Pat Lam a liar during heated Prem clash View All Funnies 2 WEEKS AGO Joe Marler elated in special interview as fans return to The Stoop 2 WEEKS AGO WATCH: One of the luckiest and most bizarre tries you will EVER see 2 WEEKS AGO WATCH: Reds players caught out in hilarious celebration blooper vs Chiefs 2 WEEKS AGO WATCH: Faz, Piutau and Burns star in hilarious try fail compilation 4 WEEKS AGO MLR: Giltinis howler sees try overruled despite attempts to celebrate View All Amateur 32 WEEKS AGO Viral video of Scottish club brawl goes down a storm with rugby community 69 WEEKS AGO RUGBYDUMP BLITZ: This Best of the Week round up is sure to entertain you 69 WEEKS AGO RD BLITZ – Disaster, just when it looked so promising… 69 WEEKS AGO That glorious moment that will live on forever, like it or not 69 WEEKS AGO RD Blitz – PROP’S Lionel Messi wizardy creates incredible try View All Player Features 16 WEEKS AGO WATCH: Bumping off tacklers and taking high balls, Rob Kearney had an impressive Super Rugby debut 21 WEEKS AGO Brian Moore on money in modern rugby and how it should never be compared to ‘outlier’ football 22 WEEKS AGO Tuisova’s wrecking ball montage will make you grateful you never made it as a pro 28 WEEKS AGO New Zealand rugby pod admit Owen Farrell is world class 29 WEEKS AGO WATCH: Bath prop launches Amazon documentary focused on those from non-traditional backgrounds View All Related Content from the RugbyPass Network ‘What you do today is how you’re going to be remembered’: Spirit of Rugby – Ep 5 In Spirit of Rugby episode 5, Jim Hamilton talks Lions with Matt Dawson, Jeremy Guscott, Rob Kearney, Simon Shaw, Tom Croft and John Bentley. Watch: Reforging the Steelers | Episode 2 | RugbyPass Original Documentary In Episode 2 of Reforging the Steelers, we follow the team through rounds two to four as they try to get their season on track after an opening loss to competition powerhouses Tasman. Final round of the Gallagher Premiership hit by a second match cancellation The final round of the Premiership lost the Worcester-Gloucester match on Tuesday and now Bristol versus London Irish is off. Crusaders player ratings vs Rebels | Super Rugby Trans-Tasman Which Crusaders stood out in their 26-point win over the Rebels in the final round of Super Rugby Trans-Tasman? Shock result: Crusaders left to rue costly errors with win over Rebels not enough for final guarantee In a shock result, the Crusaders have failed to record the requisite winning margin needed over the Rebels to book themselves a spot in the Super Rugby Trans-Tasman final and are now reliant on the Blues dropping the ball against the Force. ‘I deliberately haven’t mentioned it too much this week’: Tim Sampson keeping mum ahead of Blues battle The Western Force aim to play the role of party poopers on Saturday when they take on the ladder-leading Blues at a venue that shall not be named. Leinster’s hammering of Munster in the Magners League | RugbyDump – Rugby News & Videos RugbyDump Home RugbyDump Academy Store About Contact Legal Privacy Policy Cookie Policy Categories Latest Great Tries Big Hits & Dirty Play See It To Believe It Funnies Training Videos Player Features RugbyDump Home RugbyDump Academy Store About Contact Sitemap Categories Latest Great Tries Big Hits & Dirty Play See It To Believe It Funnies Training Videos Player Features Legal Privacy Policy Cookie Policy Sign In Username or Email Password Stay logged in Forgot password Thank you for registering Click here to login Register Register now for RugbyDump commenting & enewsletter. * Required fields. Username * Password * Email * Password Repeat * Please send me news, information and special offers from RugbyDump By clicking register you agree to our Privacy Policylast_img read more

Christmas Challenge awards winners announced

first_img Aurora Orchestra has been crowned the winner of the 2017 Big Give Christmas Challenge Awards, after its Big Give campaign beat its £15,000 target by raising over £44,000.The Awards received over 100 applications and recognise the best performing of the hundreds of charities that take part in the Big Give Christmas Challenge each year.In first place, Aurora Orchestra received £3,000, followed by £2,000 for South London Cares in second place, and £1,000 for Friends of Ibba Girls School, South Sudan, which took third place. Other awards included Small Charity Award, won by Junction 42, UK Charity Award, won by Action for M.E., and Supporter Engagement Award, which went to East African Playgrounds. Each won £1,000. Melanie May | 28 February 2018 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis8 Christmas Challenge awards winners announced Sir Alec Reed CBE, Founder of the Big Give, chaired the panel. He said:“The winners are excellent examples of charities going above and beyond to create compelling and inspiring campaigns to help them maximise the fundraising opportunity offered by the Christmas Challenge. We want to celebrate their hard work and creativity and the Reed Foundation is pleased to award additional funds to all of the Christmas Challenge Award winners to support their important work.”The Christmas Challenge 2018 will run from midday on #GivingTuesday (27 November) to midday on Tuesday 4 December. Applications will open on Monday 21 May and charities can register their interest on the site.  173 total views,  3 views todaycenter_img Tagged with: christmas The Big Give  174 total views,  4 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis8 About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com.last_img read more

Menopause policy agreed by Derry City & Strabane District Council

first_img Twitter Facebook Pinterest It’s hoped that Donegal County Council will follow in the footsteps of its counterparts across the border after Derry City and Strabane District Council agreed to adopt a menopause policy.The policy was agreed at a meeting of Derry City and Strabane District Council last evening and is the first of its kind in Northern Ireland.It aims to create more awareness about menopause, reduce absenteeism due to symptoms and provide support to manage the symptoms in the workplace.Cllr Sandra Duffy believes it’s something that needs to be considered by not only Donegal County Council but by every employer in the country:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2020/01/safdgdfgdfgndra.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Pinterest RELATED ARTICLESMORE FROM AUTHOR Google+ Google+ Previous articleMcCrudden signs for Cliftonville and could be joined by McNameeNext articleSchool secretaries set to strike again on Friday News Highland DL Debate – 24/05/21 Facebook FT Report: Derry City 2 St Pats 2 center_img Twitter By News Highland – January 8, 2020 Important message for people attending LUH’s INR clinic WhatsApp Derry draw with Pats: Higgins & Thomson Reaction AudioHomepage BannerNews WhatsApp News, Sport and Obituaries on Monday May 24th Menopause policy agreed by Derry City & Strabane District Council Arranmore progress and potential flagged as population growslast_img read more

More restrictions on public gatherings could be issued

first_img Arranmore progress and potential flagged as population grows Twitter By News Highland – March 24, 2020 Google+ Google+ DL Debate – 24/05/21 Twitter WhatsApp Previous articleMulti-billion euro social welfare package before cabinet todayNext articleHundreds of homes without water at Bridgend News Highland Facebook Important message for people attending LUH’s INR clinic News, Sport and Obituaries on Monday May 24th center_img FT Report: Derry City 2 St Pats 2 WhatsApp RELATED ARTICLESMORE FROM AUTHOR Pinterest Derry draw with Pats: Higgins & Thomson Reaction The National Public Health Emergency Team’s meeting today to consider issuing further advice on restricting public gatherings.Yesterday the Taoiseach acknowledged more may be needed if people keep ignoring social distancing guidelines.Two further deaths from Covid-19 were announced last night, bringing the total to six, along with 219 new cases.As things stand, schools are due to reopen on Monday.Chief medical officer Tony Holohan says it’s something that’ll also be considered at today’s meeting:Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2020/03/holodfsdfsdfsdhan7am.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. AudioHomepage BannerNews Facebook Pinterest More restrictions on public gatherings could be issuedlast_img read more

Mayor indicted for stealing over a quarter-million dollars from dying grandmother

first_imgTennessee Bureau of Investigation(MOUNT CARMEL, Tenn.) — A mayor in Tennessee has been charged and indicted with stealing more than a quarter of a million dollars from his own grandmother.Christopher Scott Jones, currently serving as mayor of Mount Carmel in northeast Tennessee, allegedly stole more than $300,000 from his grandmother in the last years of her life between November 2014 and January 2016 by writing checks from her account to himself for false reimbursements.The Kingsport Times-News reports that his grandmother passed away in 2016. “In August 2019, at the request of 3rd District Attorney General Dan Armstrong, TBI Special Agents began investigating allegations of theft against Christopher Scott Jones,” said the Tennessee Bureau of Investigation after allegedly finding evidence of the fake checks.The Hawkins County Grand Jury returned an indictment charging Jones with one count of theft over $250,000 and was arrested and booked into the Hawkins County Jail on a $300,000 bond, according to the Tennessee Bureau of Investigation.Mount Carmel was incorporated in 1961 and has an estimated population of around 5,300 people. Copyright © 2020, ABC Audio. All rights reserved.last_img read more

Oceanic circumpolar habitats of Antarctic krill

first_imgSurveys of Euphausia superba often target localised shelves and ice edges where their growth rates and predation losses are atypically high. Emphasis on these areas has led to the current view that krill require high food concentrations, with a distribution often linked to shelves. For a wider, circumpolar perspective, we compiled all available net-based density data on postlarvae from 8137 mainly summer stations from 1926 to 2004. Unlike Antarctic zooplankton, the distribution of E. superba is highly uneven, with 70% of the total stock concentrated between longitudes 0° and 90°W. Within this Atlantic sector, krill are abundant over both continental shelf and ocean. At the Antarctic Peninsula they are found mainly over the inner shelf, whereas in the Indian–Pacific sectors krill prevail in the ocean within 200 to 300 km of the shelf break. Overall, 87% of the total stock lives over deep oceanic water (>2000 m), and krill occupy regions with moderate food concentrations (0.5 to 1.0 mg chl a m–3). Advection models suggest some northwards loss from these regions and into the low chlorophyll belts of the Antarctic Circumpolar Current (ACC). We found possible evidence for a compensating southwards migration, with an increasing proportion of krill found south of the ACC as the season progresses. The retention of krill in moderately productive oceanic habitats is a key factor in their high total production. While growth rates are lower than over shelves, the ocean provides a refuge from shelf-based predators. The unusual circumpolar distribution of krill thus reflects a balance between advection, migration, top–down and bottom–up processes.last_img read more

Steelers-Titans game rescheduled to allow time for more COVID-19 tests

first_img FacebookTwitterLinkedInEmailEricVega/iStockBy ABC NEWS(NEW YORK) — The Pittsburgh Steelers and Tennessee Titans game, originally set for Sunday, will be rescheduled to allow more time for daily COVID-19 testing, the NFL said Wednesday.ESPN reported that four Titans players and five team personnel members tested positive for COVID-19 this week.The game will be played on Monday or Tuesday, the NFL said in a statement.The Minnesota Vikings, who played the Titans over the weekend, have not reported any COVID-19 cases, an NFL spokesperson told ESPN.Copyright © 2020, ABC Audio. All rights reserved. September 30, 2020 /Sports News – National Steelers-Titans game rescheduled to allow time for more COVID-19 tests Beau Lundcenter_img Written bylast_img read more