Finsbury Food Group’s purchase of Lightbody Celebration Cakes will make it the leading player in the UK premium cakes market, it claimed this week.The premium bakery group announced this week it had agreed to buy Lightbody business, which saw £46m turnover in the year to April 2006, for £37.5m, subject to shareholder agreement at a meeting on 22 February.Finsbury chief executive Dave Brooks told British Baker he and Lightbody’s MD Martin Lightbody had been “talking seriously” over a possible deal over the past year.Lightbody will become strategic development director of the enlarged group from May and have a 28.1% stake in it, making him its largest single shareholder. Seven existing directors will have a combined 18% stake. The remaining 54% of shares are on the Alternative Investment Market.Finsbury’s philosophy on the Lightbody business was: “If it ain’t broke, don’t fix it”, Brooks said, but Finsbury does plan to make an estimated £2m savings through synergies.It plans to close its California Cake bakery in Coatbridge by the end of the year and move production and staff to Lightbody’s premises in Hamilton. And Brooks said the commercial team would be ratonalised, to give supermarkets one point of contact for Finsbury Cakes – across its Memory Lane, Campbells Cakes, and Lightbody divisions.He said: “With the acquisition we will have a scale where we can drive our premium agenda with all our major customers. This really is a partnership. It creates the leading player in the premium end of the UK cake market and the number one celebration cakes supplier.”He said that the deal would also give a “fantastic boost” to Finsbury’s children’s cakes business. Memory Lane Cakes has the licence to use the Nestlé brand and Lightbody has the Disney licence, as well as a Thorntons licence.Martin Lightbody told British Baker he decided to sell his 100-year old family business because being part of the enlarged Finsbury group would offer significant opportunities for growth. He commented: “I am looking forward to taking my development team to Finsbury and getting stuck in to new ranges. We are playing with the big boys now!”An analyst hailed the latest deal as “sensible”. He said: “Martin Lightbody has a cash exit, and what sounds like a roving role at Finsbury and you have a logical enlarged group of scale at the top end of the cake market.”
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Valerie Harper Explains “Cancer-Free” Quote Valerie Harper, who was recently quoted as saying that she was “absolutely cancer-free” after a terminal diagnosis, has said that the remark was misinterpreted. The Emmy winner and Tony nominee informed People via a statement: “I told the reporter with excitement that I was cancer-free, but what I meant to say was that my full body scan revealed that I was still thankfully cancer-free [elsewhere].” View Comments The Library’s Chloe Grace Moretz Talks Soderbergh on Today Chloe Grace Moretz stopped by Today on April 17 to chat about her off-Broadway debut in The Library, directed by Oscar-winning filmmaker Steven Soderbergh. Check out the up-and-coming star below as she talks about how the new play, which follows the survivor of a school shooting, gives voice to the victims. Star Files The Cast of Fun Home Journeys South for a Cause The cast of recent off-Broadway hit and Pulitzer-Prize finalist Fun Home will reunite at the College of Charleston in South Carolina next week. According to The New York Times, the musical’s creators, Lisa Kron and Jeanine Tesori, will join stars Michael Cerveris, Judy Kuhn and the other seven original cast members for concert presentations and discussions. The school is being threatened with a budget cut because students were urged to read Alison Bechdel’s memoir, which serves as a basis for the musical. Here’s a quick roundup of stories you may have missed today. Michael Cerveris
By Dialogo June 15, 2011 The inauguration of the Vila Verde Athletes Village, held on Saturday morning, June 11th, marked the conclusion of a process that started with the staking of the construction site in August 2009. The area of 58,250 square meters now houses a residential complex with capacity for 2,856 guests, including athletes, members of the technical committee, and officials, during the 5th CISM Military World Games, from July 16th to the 24th. Health The health team will provide services at Vila Verde during the Rio 2011 Games and will have top-of-the-line equipment available. Military doctors are already working at the Army Central Hospital to get into the rhythm of care. The facility will have an ambulance with a fixed ICU and teams that will work in shifts, consisting of two doctors, one nurse, four stretcher-bearers, one physical therapist, and three drivers. Food Vila Verde will have a restaurant open twenty-four hours, with menus in English and Portuguese, supervised by nutritionists specialized in sports and food safety. Whenever the facility is open, the athletes will have access to crackers and fruit, even in between meal times. Transportation A main terminal for athletes’ arrival and departure will be located at the Vila Verde entrance. For security reasons, vehicles will not be allowed inside the village, and there will be an internal shuttle van service for the residents. Access and Credentials The credentials of those entering Vila Verde will be verified through a security code and camera monitoring. There will be a credentialing station at the Center for Delegation Services. General Services For the convenience of the athletes staying there, Vila Verde will make available to residents a meeting room, concierge and laundry services, lockers, a weight room, a sports information service room, a Center for Delegation Services, and an Ecumenical Center. CISM Club Besides offering greater convenience to the residents, the CISM Club is a space to promote interaction among athletes from various countries, strengthening friendship through sports. At the Rio 2011 Games, the CISM Club will offer postal, banking, and foreign-exchange services, a convenience store with a lunch counter, telephone access, and a room with cable TV.
In addition, Deputy Minister Valakivi participated with the rest of the authorities in the launch of the Traveling Platform for Social Action (PIAS), a Navy-operated ship that has been conducting assistance to state social programs and government offices in remote villages in the Amazon. By Dialogo September 06, 2013 On this occasion, the platform sailed through the Napo river basin with elements of the National Civil Registry (Reniec), Comprehensive Health Insurance (SIS), National Bank, and the Ministry for Women’s Affairs, among other institutions. Two million soles (U.S. $720,000) were invested in its construction, and it has a 10-hour navigation autonomy to transport up to 18 passengers towards the tri-border with Colombia and Brazil. On behalf of the Ministry of Defense, Deputy Minister Valakivi thanked the Navy for the cooperation and emphasized its professionalism, adding that it will be using this unit to fight against illegal activities in that Peruvian area. As part of the coordinated efforts between public institutions in the fight against drug trafficking, the Peruvian National Commission for Development and Life without Drugs (Devida) presented the Navy with a riverine patrol boat, in order to reinforce the fight against drugs in the Loreto region. The new patrol boat ‘Río Itaya’ will be deployed in interdiction missions against illicit drug trafficking in regional rivers. It is designed to carry passengers and cargo, and it is equipped with the Water-Jet system, powered with two diesel engines, capable of reaching a top speed of 26.3 knots. The handover was made at the Navy’s Industrial Services center in Iquitos, in the presence of Deputy Minister of Resources for Defense Jakke Valakivi Álvarez; Navy Commander Admiral Carlos Tejada; the governor of Loreto region, Iván Vásquez, and Devida president Carmen Macías.
4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Michelle Harbinak Shapiro Michelle Shapiro has more than a 15 years of experience in the banking industry to her role as Financial Services Industry Expert at Hyland Software. Her mission is to share … Web: www.onbase.com Details Chances are, your credit union has been using document imagining for years. But has it taken the next step by using workflow? If not, here are three instances where workflow can increase the efficiency of your lending processes.1. Loan operations department and “Paid Off” reportsIf you’ve ever worked in a loan operations department, you know that Paid Off reports are a daily occurrence. Once received, the team must determine if overpayment refunds are required, or if collateral needs to be released or returned. Then they must also initiate record retention periods for the loan files.This is where the power of workflow really shines. Using a workflow to identify these triggers and then automatically pushing the related document(s) or information through a lifecycle of pre-configured work queues drastically increases the speed of the process.2. The mortgage origination processThe mortgage loan origination system (LOS) has an internal “workflow” that collects data in the application phase of the process. Ultimately, it places loan requests into a status or queue where they wait for underwriters to make their decisions. When underwriters retrieve loans from the queue, they have access to all of the information that the originators entered. In most cases, they also receive paper loan files with the supporting documents.This is where enterprise content management (ECM) and its workflow capabilities can make a huge difference. By letting the LOS do what it does best – handling data and transactional workflows – and integrating the documents and data in the ECM system to the LOS, users stay in their familiar business applications with no need to look for information elsewhere. In the end, you gain efficiencies like increased productivity. And your staff is more satisfied, since they have everything they need to complete their tasks.3. Maintaining mortgage loansThe LOS is designed to be transactional, so the images are tied to specific mortgage transactions. But that often causes the documents to be held hostage in that system. By moving the images into the ECM archive and enabling workflow, documents can be shared with other applications and, more importantly, other departments that may not have access to the LOS. In addition, the LOS does not have record retention capabilities, so when the loan is paid off there is no way to begin a retention period and delete the document image when the retention period expires.This is just the beginning in the lending arena. With workflow capabilities in ECM, lenders can use rules-based processing for reviews and approvals. Timers and notifications alert users when loans need follow-up. But these capabilities don’t end with the loan process. Workflows can be used across your entire credit union. Think about the other processing in your credit union that could benefit from workflow: Accounts payable, check card disputes, employee payroll change requests and wire transfers.In what areas do you need your work to flow more freely?
In September, both the Consumer Financial Protection Bureau and the National Credit Union Administration issued public reports touting the reach and improvements in their consumer complaint portals.CFPB reported its latest tally of complaints across all consumer products now exceeds 702,900 (up 144,900 since February). At the same time, NCUA unveiled a new and improved online complaint portal for handling credit union member complaints. These would be impressive developments if these were real member service results rather than brighter government red tape.This article discusses member complaints from two standpoints: first, the basic structure and effectiveness of the CFPB and NCUA complaint machines and, second, a broader view of effective member response management for credit unions. continue reading » 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
There are plenty of social media management tools out there that make it easy to manage posts and be done with it, but to be relevant to your followers you also have to be mindful of what each social media platform is intended to be used for. Facebook, Twitter, Instagram, and LinkedIn (just to name a few) all serve different purposes, and consumers go to them for different reasons.Your social media strategy should identify why you’ve chosen each of the channels you use, how your target audience uses that channel, and what your engagement strategy is going to be. Remember, the purpose of social media is to be social. Think of it less as a sales tool and more of a brand-building and relationship-building tool.Instagram is a great channel for sharing your brand and engaging your members. If you currently use (or are thinking about using) Instagram, here are a few tips to help you succeed.• Think about your picture first. This medium is primarily visual. Your picture should tell the story, with only a brief description needed. Think of Instagram as a catalog of your greatest hits. What kind of picture would sum up the feelings and emotions behind your event? continue reading » 11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
However, he reiterated that the Directive would not cover solvency rules. He said he wanted to be “very clear” on the point that the Directive would deal only with the governance and transparency of pension funds. “Along with trying to solve cross-border issues,” he added, “our aim is to create a framework in which pension funds can grow – especially in member states where they hardly exist today.”Barnier said EU member states that already had a developed pension fund sector with a high standard of transparency “should not be greatly impacted by this proposal”.Speaking with IPE, Wiedner confirmed rumours that the current draft had not passed the Impact Assessment Board (IAB), an advisory body to the Commission.He declined to provide details on which parts had been criticised, pointing out that the IAB only had an advisory role and no right to veto.“We will see which of the comments we are going to take into account – in the end, it is still a political decision,” he said.Wiedner said the European Commission was still discussing “the right scope” for the new Directive, which he said needed to be revised for a number of reasons, including the ongoing shift from defined benefit to defined contribution.Further, it “has not worked to facilitate cross-border pensions”, as “there are barriers linked to the current Directive”.As an example, Wiedner mentioned the requirement stipulating that schemes must be fully funded at all times when going cross border.Wiedner reassured industry representatives in the room that the Commission’s idea was “not to copy what we have in Solvency II – we know that IORPs are different”.He added: “We are looking at raising the standards we have in the current Directive, adjusting them to the current situation.”On another panel, Ralf Jacob, head of unit for Social Protection at the Commission, said his directorate general wanted the Portability Directive adopted before the elections to the European Parliament in May.“Afterwards,” he said, “there will be 3-4 years of transition.” Klaus Wiedner, head of the unit that oversees insurance and pensions at the European Commission’s Internal Market and Services division, has confirmed that the next draft on the revised IORP Directive might be postponed to January and will not be voted on by the current Parliament.Speaking on a panel at this year’s EIOPA conference in Frankfurt, he said: “There is still the plan that there will be an initiative published at the end of this year or the beginning of next year.”He said it was “basically impossible” to push through a revised Directive under the current legislature, and that the new Parliament would “deal with it” after the election.EU commissioner Michel Barnier, in his closing speech at the conference, made no mention of any timeframe for the revised IORP Directive.
AREC 2019 — Agent speakers — David Walker (Ray White). Pic: Supplied/McGrath.“It would be easy to get down but over the past 12 months, we have looked at where we can grow, run more efficiently and become a business of attraction,” he said.And that, he said, was key to surviving a downturn, and growing as a business into the future.Sydney and Melbourne have been hardest hit by the property downturn after years of eye-watering prices, but Brisbane, which has been steady, has not been immune, with much smaller falls across the region.More from newsParks and wildlife the new lust-haves post coronavirus12 hours agoNoosa’s best beachfront penthouse is about to hit the market12 hours agoSo how do you survive the hard times?Mr Walker said the key is to remember that “no matter how bad it gets, it is not permanent”.He told the crowd that standing out meant making a listings presentation count — and grab the attention of vendors.“It is the rock concert for musicians, game day for athletes,” he said. “That’s the time to showcase your point of difference and pull away from your competitors.”And that includes being honest about your weaknesses. MORE REAL ESTATE NEWS: ‘Spelling Manor’ discount aims to leave buyers Charmed Market locks in historic rate cut Baby boomer ‘house party’ goes off in luxury Hamptons twin set David Walker speaking at AREC 2019He advised those in the industry to focus on culture — “positivity, trust and no d***heads”.“You spend more time at work than you do with your own family so you don’t want to take oxygen thieves in to your business,” he said.He said that three things for a top agent to remember was to “know your market, your product and your pitch”, and remember “sh*tty things happen.”“Change is coming to our industry and it is coming fast,” he said. “Change and growth is difficult but there is nothing harder in life than being stuck in a place you don’t want to be.” * The 22nd Australian Real Estate Conference (AREC) is being held on the Gold Coast today and tomorrow. First homebuyer interest spikes as interest rate cut looms AREC 2019 Gold Coast Convention & Exhibition Centre, June 02, 2019. Picture: SOPHIE FOSTERONE of Australia’s top real estate agents has told the property sector to embrace the changes currently affecting the national market, or get left behind.Ray White top selling agent David Walker, director of Ray White Wahroonga/Turramurra, has so far weathered the property downturn in Sydney, telling the AREC 2019 Conference that stock levels in his Upper North Shore region had been down 30 to 40 per cent.
Media Release – American College of Pediatricians 6 February 2015According to a review published by the American Psychological Association, the link between children’s exposure to violent media and violent behavior in real life “is stronger than the relationship between calcium intake and bone mass; stronger than the relationship between condom use and the risk of contracting HIV; and stronger than the exposure to second-hand smoke and the risk of lung cancer.”With the increased production of video games, television programs and movies laden with all forms of violence, the American College of Pediatricians urges parents to be ever more vigilant and to teach their children to be discriminating about the media they view. A prime example is the soon to be released film Fifty Shades of Grey. The movie is based upon the novel by the same name which is the first in a best-selling trilogy. The novel portrays a relationship between a 28 year old mega-millionaire, Christian Grey, and a 22 year old college student and virgin, Anastasia Steele. Central to their relationship, however, is the normalization of dating violence, intimate partner violence (IPV) and the romanticizing of bondage, submission and sadomasochism (BDSM). Due to the well documented association between adolescents viewing violence and sexual behavior in the media and then engaging in those risky behaviorsB, it is imperative parents “immunize” their children and adolescents against the toxic messages in this series of novels and film.Dr. Amy Bonomi and colleagues analyzed Fifty Shades of Grey the novel for episodes of IPV using criteria from the CDC and Smith’s conceptualization of perceived threat, managing, altered identity, yearning, entrapment and dis-empowerment experienced by abused women.C These researchers found evidence of emotional abuse in almost every encounter between the two main characters. Examples included stalking, intimidation and isolation. They found sexual violence to be “pervasive” starting with Christian’s use of alcohol to compromise Ana’s consent to engage in a sexual relationship. Furthermore, they documented that Ana demonstrates reactions experienced by abused women: constant perceived threat, an altered identity and stressful managing. They conclude that the character of Ana, with whom young women come to identify, “becomes dis-empowered and entrapped in the relationship as her behaviors become mechanized in response to Christian’s abuse.”http://www.acpeds.org/fifty-shades-of-wrong-media-influences-children