The market capitalization of shares of the Regional Stock Exchange (BRVM ), based in Abidjan, has passed the 6,000 billion CFA francs ( € 9 billion ) on January 29 , an increase of 6 94 % since the beginning of the year.
The market shares of the regional stock exchange (BRVM ) confirms the upward trend observed since the end of 2012 : its market capitalization is indeed established in 6024 billion CFA francs ( € 9 billion ) Wednesday, January 29 . The BRVM and recorded an increase of 6.94% since the beginning of the year.
BRVM common to 8 countries of the Economic and Monetary West African points out in his statement that the increase "reflects investor confidence in the economic prospects of the WAEMU and the financial health of companies listed on the BRVM " .
New Listings for
The Abidjan Stock Exchange , which began continuous trading in September 2013 to set international standards in the framework of its partnership with the Casablanca Stock Exchange , table eight or nine introductions for 2014 with priority hosting affiliates multinational and regional groups. BRVM , who recently renounced the project of creating a small compartment , including placing on the stock introductions Senegalese companies Matforce and Money Express. It could also make available to the rating Azalaï the hotel group as well as Ivorian banks as the Ivorian Company bank (SIB) and BIAO in which the Ivorian government holds shares which he would offload .
© Jeune Afrique
President Obama will meet with leaders from Africa in August, officials said Tuesday.
A statement from spokesman Jay Carney:
"The White House is pleased to announce that the United States will host the first U.S.-Africa Leaders Summit in Washington, DC on August 5 and 6, 2014.
"President Obama looks forward to welcoming leaders from across the African continent to the Nation's Capital to further strengthen ties with one of the world's most dynamic and fastest-growing regions.
"The Summit will build on the progress made since the President's trip to Africa last summer, advance the Administration's focus on trade and investment in Africa, and highlight America's commitment to Africa's security, its democratic development, and its people."
The White House is pleased to announce that the United States will host the first U.S.-Africa Leaders Summit in Washington, DC on August 5 and 6, 2014.
President Obama looks forward to welcoming leaders from across the African continent to the Nation's Capital to further strengthen ties with one of the world's most dynamic and fastest-growing regions. The Summit will build on the progress made since the President's trip to Africa last summer, advance the Administration's focus on trade and investment in Africa, and highlight America's commitment to Africa's security, its democratic development, and its people.
Additional information from the National Security Council press office:
President Obama will extend an invitation to all African heads of state or governments except those that are not in good standing with the United States or are suspended from the African . President Obama will also extend an invitation to the African Chairperson, Dr. Nkosazana Dlamini-Zuma.
More specifically, President Obama is issuing invitations for the U.S.-Africa Leaders Summit to heads of state from Angola, Algeria, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cabo Verde, Chad, Comoros, Republic of the Congo (Brazzaville), Democratic Republic of the Congo (Kinshasa), Cote d’Ivoire, Djibouti, Equatorial Guinea, Ethiopia, Gabon, the Gambia, Ghana, Guinea, Kenya, Lesotho, Liberia, Libya, Malawi, Mali, Mauritania, Mauritius, Morocco, Mozambique, Namibia, Niger, Nigeria, Rwanda, Sao Tome and Principe, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Sudan, Swaziland, Tanzania, Togo, Tunisia, Uganda, and Zambia.
You can apply via: http://youngafricanleaders.state.gov/washington-fellows/
© Ventures Africa
Why Using #AfroYellowPages gives An #African Corporate Website Or #SocialMedia Page a better visibility for sales?
#AfroYellowPages- the Yellow Pages brand has been in consumers’ homes forever with the first issues including instructions on how to use a telephone, and where “Corsets” and “Snuff” were a business category.
African Small and medium-sized businesses in particular have seen a spot in the books as a must. This is now taking another turn with internet explosion. Yellow page online now gives you greater possibility for buyers to meet you and your line of activity.
Although some entrepreneurs in Africa think creating a website or a social media page is a great means of getting clients visit your corporate web and buy your products or services.
According to Tanye Fotso, Hotel manager for Makepe palace hotel, Douala-Cameroon; “when a company has a corporate web, there is no need to promote the company on any other site, or hire the yellow pages. We already have our WWW (world wide web) with two IT (Internet and Technology) specialists who work on it, I think that is enough for our hotel”
Research has proven that only businesses that can drive traffic to their corporate web tend to attract more and more customers. Experts in SEO like John Tabida of sitepoint.com, believes that it takes more than just a WWW, to make an impact. He thinks that most businesses besides using referrals and other marketing strategies, must take their business to a great traffic generator or better web site with Yellow page services only online.
Experts of the Spray out blog believes 61% of clients today we get from the internet most especially social media. It will be a wise decision of African entrepreneurs to hire Afro yellow pages from Afrodealing.com. According to Alexa classifications in July and August 2013 Afrodealing is among the best websites targeting Africa.
Yellow Pages is the best way for buyers to meet sellers for companies that have not yet developed a good reputation. A business club to accompany your yellow page campaign is an added advantage for any small businesses. Afrodealing.com registered companies confirm, they can as well exchange with forum members as well as drop leads to describe or promote their activities.
Women are more willing to change direction in their careers than men. Is this our greatest strength?
Here’s an intriguing statistic: women are more willing than men to change direction in their job or career path, according to a national survey on women's careers and financial concerns.
Business Wire reports:
"Citi and LinkedIn today released results from their third Today’s Professional Woman Report, a national survey exploring women’s career and financial concerns inspired by the conversations on Connect: Professional Women’s Network — the fast-growing LinkedIn group of more than 190,000 professional women powered by Citi. For the first time, the survey, which looked at a representative sample of 1,023 professionals, also explored men’s perspectives on success and the factors that shape the career paths men pursue."
The survey found that women expect to have eight different jobs throughout their working lives, and that women are more likely than men to change career path. Furthermore, 45% of women say their current employment differs from the job they thought they’d have when they were younger.
Glass Ceiling.com reports:
"The survey, based on a sample of 1,023 professionals, yields some interesting findings: On average, professional women expect to have eight different jobs over their lifetime and “are more likely than men to make several career transitions as they progress towards their goals.”
"Many women (45%) are employed in careers that differ from what they thought they would do when they graduated from college. That is true of 36% of men."
"Women are more likely (30%) to think they will work at a different company or in a totally different industry in 10 years than are men (19%)."
Presumably the readiness of women to change career direction stems from the fact that women are statistically more likely than men to be the primary care-givers within the family, and thus undergo a reassessment of their career goals and priorities once they become mothers.
But what’s intriguing about this data is that “the number of women who consider themselves successful has increased nearly 10 points since March 2013 (47% vs, 37%)” while almost half of those surveyed said they felt they had achieved their personal goals.
That seems to suggest that switching career paths, as often necessitated by the demands of having a family, doesn’t leave women feeling constrained after all. It may even contribute to women’s sense of success.
Yaw Nsarkoh joined multinational consumer goods company Unilever as a management trainee after he finished university in 1993. The Ghanaian national is currently the managing director of Unilever East and Southern Africa.
Throughout his career Nsarkoh says he has witnessed a transformation of Africa’s business environment that has culminated in greater connectivity with the rest of the world and increased transparency. Nsarkoh told How we made it in Africa that business leaders require a certain amount of humility to be constant learners because the world around us is changing fast.
“In today’s world you cannot be a leader that professes to know it all. Some of the younger members of your team, who are young in terms of age and experience, have much greater capability and understanding of the reality of the world that we live in than anyone at the top,” says Nsarkoh. “Who is likely to understand social media better: the young people joining the workforce or the 80-year-old who is the chairman of your board?”
Nsarkoh notes that business leaders in Africa also need a certain amount of courage to be able to drive business with purpose. He explains that businesses should care about their ecosystems and compassionate models of capitalism, arguing that today’s business has to be sustainable and much more inclusive than it has ever been.
“I am not talking about charity when I say this. I am just talking about business models that enable people to achieve all the traditional goals of business but in a more inclusive way.”
As more African companies expand regionally, Nsarkoh says private sector, government and academia should come together to chart the path in building a talent pipeline that will power businesses in the future.
Noting that widespread youth unemployment at a time when populations are expanding in Africa is a big issue for every government, the Unilever executive argues that the skills shortage is a common challenge in emerging economies, but says it is surmountable.
“We need to step back and look at ways to augment our manpower planning [and] manpower production faculties to be able to keep pace with what is required in the future. There is a [skills] deficit and we can complain and complain but what is more important is that we start putting interventions in place within our own company systems and get going.
”Facing reality is one of the top lessons Nsarkoh has acquired in his 20-year career. He warns that trying to escape reality is an act of futility.
“You must always look reality in the eye. See even what you don’t want to see, so long as it is there, and then determine what interventions you need to make,” says Nsarkoh. “I can think about earlier stages in my career where I may have ignored certain signals I should have picked up and by the time they did happen I regretted it tremendously for not having paid attention to them.”
©DINFIN MULUP|How We Made It In Africa
The Lone Survivor movie follows the ebook fairly closely. Marcus himself was included in the script and production. Unlike it, the Lone Survivor movie focuses on the failed mission and also the actions on the Navy SEALs, Marcus himself, along with the Pashtun villagers. The action scenes inside the Lone Survivor movie are about as close to SEAL style warfare since several men and women ever experience. The director spent time with the actual SEAL company to understand their ways. He interviewed everyone he could and closely studied all of the material the Army could release to him regarding the incident.
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Despite being considerably better another of big tailbacks, Operation Stack continues to be enormously disruptive. Over the summer of 2015, Operation Stack is estimated to own cost the country's economy around ??250 million. Additionally, the congestion caused on other roads if your M20 is closed causes enormous disruption for some other commercial and non-commercial drivers on the highway back then. muskelaufbau supplements mejores suplementos alimenticios augmentation de la masse musculaire muskeluppbyggande preparat jakie odżywki na masę
Named one of the African women leading in business by ”Black Enterprise” magazine, New York-based, Nigerian-born Anie Akpe is trying to help other Africans in America succeed in business as well.
She is the founder IBOM LLC, an organization aimed at keeping the African diaspora business community informed through seminars and cultural events. Her company has a focus of educating Africans by providing consulting services for small- and medium-sized businesses.
In addition to running IBOM, Akpe is vice-president of mortgages at a credit , where she manages a $600-million mortgage portfolio.
AFK Insider: Why did you start IBOM LLC?
Anie Akpe: I work in the financial sector and most of the time when I attended an event, at least two or three people would ask me questions regarding their small business. From there, I felt the need to start IBOM LLC.
AFK Insider: How does IBOM LLC work?
Anie Akpe: IBOM LLC is a business consulting company. We address small business concerns such as increasing revenue and profits; developing low budget-effective marketing strategies; crafting cohesive action plans for growing businesses; boosting clarity and focus; and prioritizing tasks for small business owners.
Also with IBOM LLC we host seminars, cultural, and tech events which highlight successful small business owners.
AFK Insider: How do you juggle both a full-time job and running your own company?
Anie Akpe: Being a meticulously organized person helps me to juggle working full time and running IBOM LLC. I always plan things out six months in advance, leaving room for anything that may come up at the last minute. I also know my limits; if it’s beyond my capacity, I will not take it on.
AFK Insider: Why was it important for you to reach out to Africans in the Diaspora?
Anie Akpe: I was born in Akwa Ibom State, Nigeria, but I grew up in Calabar, Cross River State. I moved to the U.S. at a young age, and while I visit home my life is now in New York. Thus, I am a part of the African diaspora.
I am essentially reaching out to my community. Most of the small business owners that I’ve come across always focus on going global with their business. It’s our way of connecting with our loved ones who are still in Africa. I believe the thought for people like me in the diaspora, is that our success is their success. With that understanding, I felt that need to start a business that reached out to Africans in the diaspora to help them achieve their business goals.
AFK Insider: What do you think is the main business concern for African entrepreneurs in the Diaspora
Anie Akpe: Funding, which includes capital and resources, is the global concern for future businesses owners.
AFK Insider: What are some of your goals for IBOM for 2014?
Anie Akpe: This year’s focus for IBOM LLC is hosting technology events. As I mentioned earlier, funding is still a major concern, so we will also be focused on increasing avenues of access to capital.
AFK Insider: Any new projects you are doing with IBOM?
Anie Akpe: 2014 will be a big year for IBOM LLC. We started an online magazine called Innov8tiv. The purpose of innov8tiv.com is to highlight the diaspora’s innovations and accomplishments in technology. The site is up but it’s currently in beta mode. We go live on Jan. 15, 2014.
AFK Insider: What are your long-term goals with IBOM?
Anie Akpe: I would like it to expand and grow, bringing on others that have a similar passion for assisting small business owners.
AFK Insider: How do you reach out to Africans to participate?
Anie Akpe: We try to generate publicity in every nook and cranny possible, using social media as our main marketing tool. We also involve Africans in all of our events and projects. We reach out to our community to get the experts that can best guide future business leaders in the right direction.
Last year, was a big highlight, again, because we celebrated James Horner, who is the son of a Viennese emigrant, Harald Horner. “It’s OK, just look at it”, she says after a while. David Newman is not only a prolific composer, but also a highly regarded conductor of film music, president of the film music society and governor of the Oscar-academy. dévouement, la loyauté, l'innovation, le service.
DREAMER rêveurs série en Mars de cette année est de réunir toute la fascination avec les contes de fées rêve CONVERSE du printemps sont réticents à pousser le Royaume des gens à la mode du don. A short list of 10 animated short films which remain in the race to be Oscar-nominated was released on 20 November by the Academy of Motion Picture Arts and Sciences. Article Source: You ever before try the other generation membership rights site application Income Infuser. Some additional ticket and transaction fees may apply. fotograf krakow
Jest duże wybór on-line sklepach kwiatowych, które zapewniają . Raz i goście zaczynają napływać będzie trudne do zarządzania pokaz .
poczta z kwiatami
Jesteś będzie miał opcję dać bukiet żółtych kwiatów, które symbolizuje przyjaźń . nasiona słonecznika sadzenia i oglądania guarana wzrostu jest . Język kwiatów, czasami nazywany floriography, będzie epoki wiktoriańskiej środki różnych kwiatów i kompozycji kwiatowych użyto wysyłać zakodowane wiadomości, pozwalając osoby do nie .
Was aż do krainy jezior, oraz dokładniej do Chomiąży Szlacheckiej (niedaleko Bydgoszczy). Nad jednym spośród jezior, spośród dala odkąd większych miejscowości, na terenie 6-hektarowego parku spośród XIX wieku leży Herbarium Hotel&SPA. Wraz spośród narzeczonym skorzystaliśmy spośród zaproszenia hotelu oraz na weekend majowy wybraliśmy się aż do tego pięknego miejsca. Oprócz tego, że mogliśmy korzystać z całego obiektu, testowaliśmy i atrakcje, które oferuje hotel zaś sprawdzaliśmy wszystkie zakamarki po to, aby zdołać się spośród Wami podzielić naszymi wrażeniami. Herbarium Hotel&SPA (klik) to nowy, elitarny obiekt o wysokim standardzie, acz dla mnie w takich miejsach najważniejsze jest to, ażeby przypuszczać się swobodnie. Wiele razy w luksusowych miejscach jest po prostu sztywno. Tutaj tego się nie czuło i za to daje hotelowi ogormny plus. Poniżej przygotowałam gwoli Was skrótowy deskrypcja zaś wrażenia z naszego pobytu – całokształt to w czterech krótkich punktach :) Gotowi? Enjoy! Jak w tym momencie wcześniej wspomniałam hotel Herbarium usytuowany jest w krainie jezior. Teren hotelu jest przepiękny. Małe stawy, jezioro, domki grillowe, leżaki. Zarówno w dzień, podczas gdy i w nocy (kiedy obiekt jest oświetlony) panuje w tej okolicy wspaniały klimat. Można grillować, latem przemywać się w jeziorze – jednym zdaniem: jest co robić. Zresztą basta zajrzeć na zdjęcia otoczenia a już wiecie o czym mówię. Jestem zdecydowaną tania kamagra
fanką natury, dlatego w momencie, podczas gdy około jest moc zieleni, milczeć a błogość – to ego jestem nuże w siódmym niebie :) Hotel składa się spośród trzech budynków, które są ze sobą połączone podziemnymi korytarzami. Dzięki temu bez problemu jest dozwolone przesuwać się aż do restauracji w dresie, na basen jednakowoż aż do SPA w szlafrokach i tak dalej Cały hotel, owo taki dworek spośród wieloma tarasami natomiast dużą przestrzenią. Podczas naszego pobytu odbyło się w tym miejscu także wesle – na własne oczy widziałam salę, która wyglądała przepięknie (zresztą pokazywałam Wam na snapchacie). Z tej okazji o 22 załapalismy
się na przecudowny demonstracja fajerwerków!
At the 2013 eNigeria conference, hosted by the National Information Technology Development Agency (NITDA) in Abuja recently, Minister Johnson was quoted in local media as saying that despite the growth experienced within the sector (boasting a tele-density figure of 85.25% in April 2013), the IT landscape “suffers from a clear negative trade balance, as the economic value generated locally with imported technologies used by Nigerians is extremely low,” according to This Day.
The theme of the event was Local Content in ICT Development in Nigeria: The Journey so far the Communications Minister expanded on the mandate set before the NITDA and the objective to achieve 50% local content in the sector.
She reiterated that the Agency was also tasked with engaging stakeholders in the industry to jointly establish ICT local content policy.
Whilst authorities and industry leaders acknowledged there was still work to do to achieve objectives, the introduction of guidelines at the Conference would go a long way to “level the playing field” and enrich the industry.
© It News Africa
The recent reports from The Economist show that there is a rise in the employment rate of Africans by 65.1% since the economic crises of 2008. This rise is highly remarkable in sub Saharan Africa which witnessed untold food crisis in 2008(World Bank reports on the 2013 World Development Report on Jobs).
SME experts like the Global Entrepreneurship Monitor (2010 report) and Finscope Small Business (2010 survey) say that this increase in employment rate is because of a considerable growth in Small and medium size enterprises (SME) in Africa. According to reports from The African ’s (AU) recent Regional workshop on the SME’s Development in Africa and the Celebration of Africa’s Industrialization Day which took place on November 18, 2013 in Kinshasa, Democratic republic of Congo (DRC), SMEs make 90% of Africa’s economy and African entrepreneurs create an estimate of 5-10 SMEs per year in Sub-Saharan Africa.
Since SMEs face numerous challenges in terms of access to finance, market access, skills and networks, and the enabling environment. Many businesses face financial constraints and cash flow uncertainty. Because of this reason SME’s today have a way or selecting their staffs not common to the traditional style of selecting workers.
Recruitment is the entry point of manpower into an organization (Henry & Temtime, Henry, O., & Temtime, Z. 2009; Recruitment and selection practices in SMEs: Empirical evidence from a developing country perspective. Advances in Management, 3(2), 52-58.) and the path an organization must follow from there on in order to make sure that they have attracted the right individuals for their culture and ‘vibe’ so that the overall strategic goals are achieved (Henry & Temtime, 2009).
It is accepted within the literature that SMEs are far less likely than larger organizations to have implemented sophisticated recruitment processes (Bacon, N., & Hoque, K. (2005). HRM in the SME sector: Valuable employees and coercive networks. The International Journal of Human Resource Management, 16(11), 1976-1999.)
Recruitment methods that are implemented differ according to the industry or sector that an organization exists within and the nature of the position that needs to be filled (Henry & Temtime, 2009) similar to larger organizations. In general, SMEs are likely to utilize recruitment sources that are convenient and inexpensive, which is why past applicants, personal and employee referrals, word of mouth and newspaper advertising are so popular (Barber, Wesson, Roberson, & Taylor, 1999).
SME’s in Africa are fond of using the above mentioned methods to recruit. In a phone call interview I had with Mr. SOE Simon, a Senior International Finance specialist working in Cameroon, he revealed to me “most of the SME’s in Africa are privately owned by families, they recruit only cousins, nephews, and people close to their families, I can site in Cameroon where I work, CAMLAIT and de Brasseries du Cameroon (UCB), where I have done Financial Auditing. Everybody have almost the same family names.” He also reveals that some major enterprises in Africa are still having this method of recruitment.
Recruitment Big Challenges Surrounding SMEs
Monster, a reputable human resource Organization based in the US in an article titled The White Paper: How Can SMEs Recruit Effectively published in 2012 outlined the following recruitment Challenges faced by SMEs:
#1. Limited Openness to New Mediums & Channels: SMEs seem to be less inclined towards adopting modern methods of hiring, which is why candidates often complain to have less information about the available job opportunities across the board. The fact that there is no transparent mechanism for employer and the candidate to engage leads to pitfalls for middle and senior level recruitment.
#2. Lack of Spirit to Innovate: Innovation is critical for the growth of SMEs and for grabbing the attention of potential candidates. Candidates should feel the urge to join the organization because of its capability to innovate and stand out from the crowd. Next, it’s the innovation to do things differently for attracting candidates. For e.g.: Many public companies have taken some unconventional initiatives like improving salaries and salary structures and brought them closer to the private sector.
#3. Weak Candidate Engagement: SMEs are generally accused of weak candidate engagement. The job marketplace has undergone a paradigm shift for the last few years and there is an increasing need for the HRs to spend time on engaging the workforce. Moreover it is not only the HR‟s responsibility to show a candidate what he/she can achieve with the organization. It’s a joint effort of senior management and the HR fraternity. They must enable engagement with candidates and involve themselves at all levels of interview. This also gives the organization an opportunity to convey their needs and expectations better.
#4. No Clarity on Role and Responsibilities: Role clarity is a major ingredient of successful recruitment. At a fresher level, most candidates tend to accept the roles without asking for any clarity and crib later. Therefore, the HR must ensure to inform them regarding required work, method of execution as well as procedures, irrespective of the position offered. This is more important else businesses end up spending too much time due to wrong communications made at the time of interview.
#5. Extreme Cost Pressures: SMEs are at a disadvantage in their ability to offer competitive packages.
#6. Ineffective Screening Process: There is no point hiring without a rigorous screening.
Organizations will be wasting both time and effort in interviewing incompetent candidates. Most of the time, it has been seen that line managers assume the responsibilities of HRs in SMEs.
Post Recruitment Challenges for SMEs
Though attracting the right talent remains a key challenge for SMEs, there is the other set of post hiring challenges that deals with developing and retaining the talent. No Systematic Approach to Develop and Engage a Quality Workforce: There is a lack of systematic effort in devising, executing and managing a diversity program. SMEs require determining skills gap and employees‟ needs.
Ineffective Retention Process for the Existing Manpower: SMEs seldom offer a detailed
Orientation programme to new joinees. This leads to a lack of communication about company’s vision and mission. Employees find a dearth of opportunities to learn and grow within the organization.
What SMEs could Gain if they Change their selection process?
According to The Denver Foundation, ehow, the times 100 and Monster here are some advantages an SME could gain when they follow the right recruitment process.
1. Employee Engagement: Engagement refers to the enthusiasm, motivation and level of commitment employee’s exhibit in the performance of their job duties. The recruitment and selection of qualified applicants can directly impact employee engagement. In the recruiting process, identifying applicants whose work history suggests they demonstrate commitment is one way to predict their level of commitment to your organization. In-depth interviews are an ideal way to identify candidates who are enthusiastic about the qualifications they can bring to your organization.
2. Job Performance: Generally speaking, an applicant seeking career opportunities elsewhere while still employed is probably not in jeopardy of losing her job due to poor performance. Candidate interviews -- particularly those that use extensive and in-depth questions -- shed light on the candidate's job performance, skills and competencies. Recruiting isn't an exact science; however, skillful interviewers ask questions that elicit responses about the candidate's strengths as well as areas for improvement. Understanding a candidate's strengths and weaknesses is the first step in predicting a prospective employee's future performance.
3. Creativity and Innovation: A good recruitment brings you a diverse staff is more likely to reap the benefits of creativity and innovation. A 1996 study by McLeod, Lobel & Cox found that racially diverse groups were 11 percent more likely to come up with creative ideas than all white groups. The study evaluated an idea's creativity not only relative to overall effectiveness but also in terms of whether the idea could feasibly be implemented.
Przez podjęcie wysiłku uczyć twoje poczucie , nauczysz że wiele drzwi zewnętrzne będzie otwarte . Możesz dostarczyć korzystne Zmiany dla Twojego styl życia przez pozycjonowanie na własną rękę w rozumienie sytuacja. Badania musi być zrobić kupując meble . Informacje na tej stronie wam pomóc, aby sprawiają wybory , że ty i twój budżetowe wydatki będzie zadowolony z przez długi czas .
Jeśli się próbuje kupić meble made in albo całkowicie lub w inny sposób częściowo ekologicznie odpowiedzialnych maniery rozważyć kilka prawdopodobne certyfikacja. Naukowe ujmowanie Metody wykorzystuje etykiety treść , Również szukać uznanie z Rainforest Alliance. Ekologiczne Uszczelnić biznes także potwierdza meble do domu tylko stwierdzając przyjazny dla środowiska Uszczelnić okolice etykiety .
Nie umożliwić sobie zakochać się niektóre meblarski dopóki masz zobaczyć dodatkowe opieki Wskazówki . Wiele piękny arcydzieła mają opieki które mogłyby dokonać zachęcając kompletny zadanie. Upewnij czyszczenie , spot eliminację, poprawa i zachowanie są bardzo zakończone dla twojego sposób na życie ciebie Przewodnik .
Przestrzegać nogi Twojego mebel chcesz zakup . Notatnik bytowe z stałe drewno udach i nogach . Upewnij się, że nogi są solidnie podłączone do powiązana sztukę mebli nigdy tylko klejone . Jeśli potrzebujesz nowa meble , rozważyć znaleźć 1 poprzez więcej niższa noga w środku dalszego pomoc.
Sprawdź z Gwarancja na dowolnym niedoszłych meble zakup skrupulatnie . Co może ewentualnie wyglądać wystarczy pokrycia meble metalowe na pierwszy rzut oka może okazać się dużym przepychem i okoliczność . Przykładowo , chcecie materiał - osłony zapewnienia które mogą być bez Ograniczenia oraz bardzo dobra warrantee zaburzenia . Jakość meble powinniśmy ma stworzył zaangażowanie excellence i zostać wzmocnione - na szczycie specyficzne gwarancja .
Gdy myślisz o zakup indywidualne mebel , pomyśleć tak to będzie łatwo dopasować do z wszystkie z Twoich wystrój ozdoba . To coś aby Czerwonak części table z natomiast jesteś handlowe , ale inna rzecz wziąć domu a następnie spróbuj mają wspaniałe rezultaty wszystko, dodatkowo możesz mieć . Zastanów dokładnie przed zakupem .
opt for swój materiał tekstylny i kolory na podstawie Twój sposób na życie . W przypadku gdy masz dzieci lub Zwierzęta domowe , najlepiej omijać delikatnym tkaniny i lekka barwy. Te będzie noszone poprzez i nadszarpnięta bardzo szybko . ciemny kolor, silniejsza materiały posiada do niewłaściwe i ukrywa dużo barwienie.
Poświęć trochę czasu, aby zawsze bytowe zakończone i czyste często . Ten trochę utrzymania Pomoce utrzymuje swój bytowe wygląda jak a także nowe pomoże dostać pozbyć alergenów jak powietrzu brudu i kurzu i domowych pyłku. Zezwolenie pyłu a także inne zanieczyszczające nabywać, zwłaszcza na zakończył bytowe, może zaszkodzić to miarę upływu czasu , więc należy podtrzymania to często .
Biorąc pod uwagę, że masz przeczytać Raport, R te pomysły bardzo następnym razem, jesteś w sklepie. Jak kluczowe bo to jest pojawiać się informacje i fakty praca z nim jest więcej istotne . Po prostu idź i spojrzenie na sklepy aby postawić nowego informacje do dobrego używać.
More than two billion adults do not have access to bank accounts, credit or insurance - in effect, they have no financial security.
More than two billion adults do not have access to bank accounts, credit or insurance - in effect, they have no financial security.
The Nigerian Stock Exchange is currently home to some of Africa’s highest-yielding stocks. Here are five that I have my eye on.
Dividend Yield: 8.78 percent
Nigeria’s largest life insurance company, AIICO has raised its dividend in each of the past three years, and it has increased 350 percent since 2010. Making this all the more impressive is the fact that its 2012 payout represents just 42 percent of annual profits, suggesting management will have plenty of latitude to at least maintain the dividend in 2013, barring a dramatic reduction in underwriting income. New regulations stipulating that all insurance premiums must be paid in advance will help improve the company’s cash flow.
Dividend Yield: 9.17 percent
With offices in Nigeria, Cameroon, Cote d’Ivoire, Kenya, and Tunisia and a book of business that spans 38 other African countries, Continental Reinsurance markets itself as the leading pan-African re-insurer. The company boosted its dividend 25 percent in 2012 and has paid one without a cut each year since listing on the Nigerian Stock Exchange in 2007. Earnings have been flat the first half of 2013, but with a 9.2 percent yield and a 63 percent payout ratio last year, the company is well worth a look.
Okomu Oil Palm
Dividend Yield: 7.20 percent
Palm oil is a hot commodity these days thanks to its growing use as a biofuel and as a trans-fat substitute. Okomu investors are enjoying the ride. The stock soared nearly 150 percent over the past 12 months, propelled by a 29 percent dividend increase and news that the company would double its production capacity by 2014, a move that would make it Africa’s largest palm oil miller. Okomu’s streak of consecutive dividends without a reduction stretches back to 2008, but with earnings down in the first half of 2013, that record may be under threat.
Dividend Yield: 11.36 percent
One of Nigeria’s lower-profile banks, Skye operates 240 branches and 597 ATMs across the country. It lends heavily to the oil and gas sector, which accounts for some 30 percent of its total loan portfolio. Management doubled the previous year’s dividend payout in 2012 giving it one of the juiciest yields on the Nigerian Stock Exchange, after nearly boosting income by a factor of 10. Income growth has been considerably more anemic during the first half of 2013. It’s up just 6 percent, constrained by insufficient assets to lend. Even so, earnings should at least match last year’s mark, which bodes well for the dividend being maintained at current levels, if not raised.
Dividend Yield: 6.69 percent
This subsidiary of the French oil and gas giant isn’t involved in drilling or exploration. It works purely in the downstream sector of the market, operating a network of some 500 service stations and marketing a range of fuels and lubricants. It pays almost all of its income out to shareholders in the form of dividends. Thus, the dividend can fluctuate considerably from year to year. Earnings are down 18 percent during the first half of 2013 due to increased finance costs. This raises the spectre of a dividend cut, but the stock may be worth a close look on any price dips.
Intrigued? These stocks don’t presently trade anywhere but Lagos, so to purchase them you will need to open a Niger
© Ryan Hoover | Africa Capital Group