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first_imgNICO Holdings Limited (NICO.mw) listed on the Malawi Stock Exchange under the Insurance sector has released it’s 2020 interim results for the half year.For more information about NICO Holdings Limited (NICO.mw) reports, abridged reports, interim earnings results and earnings presentations, visit the NICO Holdings Limited (NICO.mw) company page on AfricanFinancials.Document: NICO Holdings Limited (NICO.mw)  2020 interim results for the half year.Company ProfileNICO Holdings Limited provides products and services for general insurance, life insurance and pension administration in the corporate and private sector of Malawi; with interests in banking, asset management and information technology services. NICO Holdings Limited operates in Malawi, Zambia, Tanzania, Uganda, Mozambique and Zimbabwe. It was established in 1965, and was the first general insurance company to list on the Malawi Stock Exchange. Its general insurance division covers segments that range from personal accident and household insurance to construction, engineering, professional indemnity, marine hull and cargo, fire and loss of profits. NICO Holdings Limited also offers insurance for individuals and corporate clients which includes endowment assurance and savings protection. The company has a corporate banking division offering standard products and services, aswell as solutions for foreign exchange, investment management and women business programmes. NICO Holdings Limited has invested in providing technology services to clients, including software and Internet systems and communication solutions, card technology and surveillance systems. NICO Holdings Limited is listed on the Malawi Stock Exchangelast_img

first_img Enter Your Email Address The reason a lot of novice investors as well as professionals pore over each year’s Warren Buffett letter is easy to understand. Buffett has a proven investment track record as leader of Berkshire Hathaway and before that, the Buffett Partnership. His advice is based on decades of proven investment success, but is simple to understand and apply.Here is how I applied Warren Buffett letter advice on investment picks to buy a leading FTSE 100 share.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 Warren Buffett letter emphasizes some investment characteristicsBuffett is pretty clear and consistent about the sorts of things he looks for when deciding to buy shares in a company.For example, he looks at how much of a defensible competitive advantage the company enjoys. He calls this its ‘moat’. Just as a moat helps defend a fortified building against attack, a business can have a competitive advantage. This could be due to a proprietary technology, a distribution network, a network effect, or any other reason that helps make it harder for other companies to attack.The Warren Buffett letter also often includes discussion of the power of brands. Buffett has large holdings in companies built on portfolios of well-known brands, such as Coca-Cola and Kraft Heinz. The reason he likes brands is that they create customer loyalty and can allow for premium pricing. That helps a company by enabling it to sustain high profit margins.I applied these Warren Buffett letter principles when deciding to buy shares in British American Tobacco (LSE: BATS). The FTSE 100 company has a supply chain and distribution network which helps to form a type of business moat. Additionally, it owns a host of well-known brands, such as Rothmans, Pall Mall, and Camel.High dividend yieldOne of the things I find attractive about BAT is its high dividend yield. It currently stands at 8%, which I see as a good return on my money. But that may reflect the fact that not everyone in the market feels as optimistic as I do about the company’s prospects. Cigarette use is falling in many markets, after all. The brands help provide pricing power, but a shrinking market could translate into reduced profits at some stage.So far that isn’t happening, though. In fact, in its annual results last week, the company revealed that profits from operations for the year were up 10.5%. Earnings per share rose even more, at 12%.Reading Warren Buffett letters has also made me understand the importance of always looking not just at earnings, but also at a company’s balance sheet. BAT has net debt of over £39bn. While I expect it to be able to pay down its debt over time if it chooses to, that would damage its ability to sustain dividend payments at the current level. I would be happier if BAT had a lower debt burden.It’s certainly worth digging into the accounts to get the full picture – as Buffett himself tends to do. A bit of research can be very rewarding. “This Stock Could Be Like Buying Amazon in 1997” 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Simply click below to discover how you can take advantage of this. See all posts by Christopher Ruanecenter_img christopherruane owns shares of British American Tobacco. 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. 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. Christopher Ruane | Friday, 26th February, 2021 | More on: BATS Warren Buffett letter investment lessons led me to buy this share Image source: The Motley Fool 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.last_img

first_img DesignGroup GAGA Architects: Architects H2L Area Area of this architecture project South Korea CopyAbout this officeArchitects H2LOfficeFollowProductsConcreteBrick#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesSeoulSouth KoreaPublished on September 02, 2019Cite: “Up Yard House / Architects H2L” 01 Sep 2019. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogPanels / Prefabricated AssembliesTechnowoodSiding Façade SystemWindowsMitrexSolar WindowMetal PanelsAurubisPatinated Copper: Nordic Green/Blue/Turquoise/SpecialMetal PanelsDri-DesignMetal Panels – CopperIn architectureSikaBuilding Envelope SystemsExterior DeckingLunawoodThermowood DeckingMembranesEffisusFaçade Protection – Breather+Metal PanelsPure + FreeFormCustom Metal Cladding – Legacy Fund 1 BuildingWood Boards / HPL PanelsInvestwoodWood Fiber Partition Walls – ValchromatDoorsLinvisibileLinvisibile FILO 10 Vertical Pivot Door | BrezzaSkylightsFAKROEnergy-efficient roof window FTT ThermoToilets / BidetsBritexToilets – Accessible Centurion PanMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream Up Yard House / Architects H2LSave this projectSaveUp Yard House / Architects H2L Photographs:  Dongkyu Yoon, Seongcheol Kim Manufacturers Brands with products used in this architecture project Manufacturers: AutoDesk, DuraVent, Rinnai, Hana Ceramics, Hankook, Mr. Lighting, Shinhan Wallpaper, Trimble Navigation, Yerim Doors 2019 Projects Changyong Hyun, Junghyun Hwang “COPY” Design Team:Changyul LeeEngineering:General Structural Consultation, Uri MECCity:SeoulCountry:South KoreaMore SpecsLess SpecsSave this picture!© Dongkyu YoonRecommended ProductsPorcelain StonewareApavisaFloor Tiles – RegenerationPorcelain StonewareApariciPorcelain Tiles – BuildFiber Cements / CementsULMA Architectural SolutionsPaper Facade Panel in Leioa School RestorationFiber Cements / CementsEQUITONEFiber Cement Facade Panel NaturaText description provided by the architects. Project site was the third land where clients and architects had their heads together. The young couple in their early 30s, who wanted to find joyous inconvenience in their own home away from the agreed uniformity overshadowed by life and convenience in their apartments, took their young daughter’s hand and carefully sought the architect. The builder was pleased to assist the couple in the will of the first land where the deal was not made and the third plan was finally settled. The living conditions for a mask apartment are unexpectedly simple. A house where children can play freely without worrying about noise between floors, a house where they can enjoy a life with a yard, and a house where I can make the basis for it, not a framework that matches me.Save this picture!© Dongkyu YoonThe couple’s request also did not deviate significantly from these conditions, but there were additional conditions for the completion of the project. In order to cover the murderous cost of land and formidable construction in Seoul, rental areas should be secured and planned as commercial houses. To this end, the architect planned the neighborhood living facilities on the first floor of the four building-able floors, and the rental generation with a wide acceptance spectrum on the second floor in advance so that rental areas and conditions could be finalized early, thereby helping clients operate the building costs efficiently. Save this picture!© Dongkyu YoonSave this picture!Floor PlansSave this picture!© Seongcheol KimAfter planning the rental section with a single step to solve the construction cost, the residence space was trimmed with a long breath. The client’s demands were simple, and they worked out the design from dividing the couple’s and their children’s bedrooms, living rooms and kitchen and dining rooms on the third and fourth floors. While satisfying the universality of a two-story house for a family, the architect proposed the overthrow of the program to counter the specialty that the two floors were located on the third and fourth floors of a commercial house.Save this picture!DiagramSave this picture!SectionsIf it is common for single houses to place public spaces, such as living rooms, on the lower floor and private rooms on the upper floor, the architect suggested placing each bedroom on the third floor from the public stairway to the front door, and a living room, kitchen, and restaurant on the fourth floor, where the terrace occurs due to the retrocession of the solar right. For those who had been trapped in the universality of apartments, the space structure from the front door to the living room was marked as a formula, but the client happily accepted the unfamiliar space structure after understanding that by putting the public sector on the upper floor, the drinking space and terrace yard can be connected and the noise between floors can be avoided naturally. Save this picture!© Dongkyu YoonAfter the yard on the upper floor and the bedroom on the lower floor, the vertical movement of the house was forced to mean more than just a staircase. It had to be a place where you could greet your family after returning home, where you could naturally lead guests to the upper floor, and it should be a place where children downstairs and their guardians could easily communicate. To that end, the four-story slab will be opened small, with the opening and the wooden staircase that will also be stored for storage, but the children’s room will be placed just below the opening so that they can easily look down from the living room on the upper floor, and the living room will be used to stay with their friends for a while in front of the visit.Save this picture!© Dongkyu YoonAs the living room on the fourth floor devoted a generous floor area to the opening, it placed a net playground in the opening so that children could have an exotic experience, and placed ceilings on it to give them bright and warm light to the room in front of their children’s room. For a family who dreamed of changing their lives through space despite the difficult process of building a house, we hope that a big change in life will begin from the feeble change of the upper yard.Save this picture!© Dongkyu YoonProject gallerySee allShow lessAvenue Green Sheshan in Shanghai / ELTO ConsultancySelected ProjectsSzeyup Palace Display Area / Place Design GroupSelected Projects Share Photographs Houses Save this picture!© Dongkyu Yoon+ 36Curated by Paula Pintos Share CopyHouses•Seoul, South Korea Lead Architects: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/924007/up-yard-house-architects-h2l Clipboard Year:  Construction: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/924007/up-yard-house-architects-h2l Clipboard ArchDaily Area:  182 m² Year Completion year of this architecture project “COPY” Up Yard House / Architects H2Llast_img

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