Zenith Bank PLC (ZENITH.ng) listed on the Nigerian Stock Exchange under the Banking sector has released it’s 2010 presentation results for the half year.For more information about Zenith Bank PLC (ZENITH.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Zenith Bank PLC (ZENITH.ng) company page on AfricanFinancials.Document: Zenith Bank PLC (ZENITH.ng) 2010 presentation results for the half year.Company ProfileZenith Bank Plc is a financial services institution in Nigeria offering banking products and services for the personal, commercial, corporate, private and investment banking sectors. The company also offers non-banking services such as foreign exchange, treasury, trade services and cash management services. Its full-service offering ranges from transactional accounts, savings accounts and deposits to short term investment funds, association accounts, personal funds management, funds transfer service and import letters of credit. Established in 1990 and formerly known as Zenith International Bank Limited, the company changed its name to Zenith Bank Plc in 2004. The company has three subsidiaries: Zenith Bank (Ghana) Limited and Zenith Bank (Sierra Leone) and Zenith Bank (Gambia) Limited. It has representative offices in South Africa and The People’s Republic of China. Its company head office is in Lagos, Nigeria. Zenith Bank Plc is listed on the Nigerian Stock Exchange
New Frontier Properties Limited (NFP.mu) listed on the Stock Exchange of Mauritius under the Property sector has released it’s 2016 abridged results.For more information about New Frontier Properties Limited (NFP.mu) reports, abridged reports, interim earnings results and earnings presentations, visit the New Frontier Properties Limited (NFP.mu) company page on AfricanFinancials.Document: New Frontier Properties Limited (NFP.mu) 2016 abridged results.Company ProfileNew Frontier Properties Limited is a Mauritian company that engages in the acquisition and development of income-generating retail and logistics property in the UK and Europe. The company is a real estate investment trust. New Frontier Properties Limited is listed on the Stock Exchange of Mauritius.
Why Diageo and Unilever are on my ‘best shares to buy’ list despite this threat Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Consumer goods giants Diageo (LSE: DGE) and Unilever (LSE: ULVR) have long been on my ‘best shares to buy’ list. They remain so today. This despite a threat to them from what advertising trade publication Adweek has called a “global megatrend.”Some commentators believe this trend could undermine the growth of established brands powerhouses. Some even suggest the sun could be setting on their long era of dominance. I don’t want to underplay the threat, but I think Diageo and Unilever are well capable of countering it.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…Eating the big fishChallenger brands pose a risk to my best shares to buy. It’s over two decades since the publication of Adam Morgan’s influential business book Eating the Big Fish: How Challenger Brands Can Compete Against Brand Leaders. The challenger brand phenomenon has exploded in the 21st century. Think of the spectacular rise of UK tonic waters and mixers firm Fevertree or Dutch chocolate market leader Tony’s Chocolonely. Both now rapidly expanding overseas.Structural shifts in retail and media have dramatically lowered the barriers to entry for new brands. Big changes in consumer attitudes — “an appetite for experimentation and scepticism about traditional elites,” according to Jamie Matthews, boss of advertising agency Initials — have also played into the hands of challenger brands.In the face of these sweeping changes, should Diageo and Unilever really be on my best shares to buy list?If you can’t beat ’em…Diageo and Unilever haven’t been resting on their laurels in the face of the march of challenger brands. One part of their strategy for dealing with the threat has been to do what they’ve always done. Use their financial might to pursue the age-old doctrine: “If you can’t beat ‘em, buy ‘em.”For example, Diageo’s acquisitions of recent years have included challenger tequila brand Casamigos and distilled non-alcoholic spirits firm Seedlip. Unilever’s have included direct-to-consumer challenger brand Dollar Shave Club.My best shares to buy have challenger DNADiageo and Unilever have also been smart with the challenger brands they’ve bought. They’ve not only allowed the likes of Seedlip and Dollar Shave Club to remain fiercely autonomous, but also taken learnings from them. This has helped them inject challenger DNA into the wider group.For example, a few years ago, Diageo-owned Gordon’s gin was faced with scores of new brands entering its market. It was reinvented with a challenger mindset. A new positioning, witty ads voiceovered by Phoebe Waller-Bridge, and the use of Instagram, Spotify and smart targeting all helped a 250-year-old legacy brand deliver challenger-like growth.Best shares to buy for the futureFinally, both Diageo and Unilever are busy incubating next-generation brands through their venture capital arms (distillventures.com and unileverventures.com). They provide seed and development capital to ambitious founders with exciting brands.In due course, Diageo and Unilever may wholly acquire the brands they’ve incubated. For example, Diageo exercised its option to acquire the aforementioned Seedlip which had been nurtured by Distill Ventures.In summary, I reckon Diageo and Unilever are doing a very good job of mitigating the risks to their businesses posed by the rise of challenger brands. This is why these blue-chip giants remain firmly on my best shares to buy list. Image source: Getty Images. Enter Your Email Address G A Chester has no position in any of the shares mentioned. The Motley Fool UK has recommended Diageo, Fevertree Drinks, and Unilever. 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. 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New Zealand’s controversial 1981 tour to South Africa meant that the NZRFU cancelled future trips, but an official group still travelled to South Africa in 1986, with only David Kirk and John Kirwan of the previous year’s squad not going.The tour was a bad idea – the New Zealand Cavaliers were widely condemned and beaten comfortably by the South Africans. While events on the field were quite rightly overshadowed by the political contention of the situation, hooker Uli Schmidt showed rare athleticism to score one excellent try (see 1:20 on the video).South Africa were going backwards after an errant pass, but a midfield switch put Carel du Plessis in space. He swerved past two defenders before finding Schmidt on a beautifully-timed inside pass. Showing surprising pace, Schmidt burned past Kirwan’s replacement, Craig Green, to score the final try in a 33-18 triumph.MORE BRILLIANT TRIES… 60 Years of Rugby World: Greatest Tries of the 1970s 60 Years of Rugby World: Greatest Tries of the 1980sTo celebrate the 60th anniversary of Rugby World magazine, we’re counting down the greatest tries of every decade of its existence and this week it’s the Eighties.The Rugby World Cup was born, Australia and New Zealand were the dominant sides, while France became the team to beat in the European game. Here are the top ten greatest tries of the 1980s…Hika Reid (New Zealand) v Australia, 1980 New Zealand’s 1980 tour of Australia was disappointing by their standards – they lost the Bledisloe Cup 2-1. However, their only Test win was delivered by a move started and finished by hooker Hika Reid (see 2:39 on the video).He was picked for the tour as an unknown 22-year-old and showed his loose-forward background by ripping the ball away from a maul, setting off a flowing team move, before somehow keeping up with play to dot down under the posts – eight passes and 80 metres later.Clive Woodward (England) v Scotland, 1981 Clive Woodward was a silky centre who’d toured with the Lions in 1980, but the success of his playing career is often overshadowed by his more illustrious coaching CV. His top moment in an England shirt came against Scotland at Twickenham.Picking up the ball on a switch at halfway, he beat three defenders with a cut towards the touchline before dummying his way between two sprawling Scottish props.One-on-one with the full-back in only five metres of space, he produced a sidestep Jason Robinson would have been proud of, stretching out to secure a 23-17 victory.Jim Calder (Scotland) v Wales, 1982 Winger Roger Baird famously never scored a try for Scotland in 27 Tests, but he was responsible for one of the nation’s great touchdowns back in 1982. Scooping up a loose Gareth Davies kick in his own 22, he arced around the chasers to burst out of defence, with only three forwards inside him.Once caught, Baird found the loping shape of Iain Paxton, whose lung-busting stride down the pitch eventually ended with a flip inside to Alan Tomes. The second-row looked to have run out of juice, but managed to offload to an out-of-shot Jim Calder, who held off the tackle of Ray Gravell to flop over the line.David Campese (Australia) v New Zealand, 1982 David Campese made his debut for Australia on this tour – and what an introduction to international rugby it was. His first game saw him beat Stu Wilson, then considered the best wing in the world, with a series of goosesteps before scoring later in the game from a Mark Ella cross-field kick.What would follow a fortnight later in a 19-16 victory was even better. Campese was involved twice in a Gary Ella try, before finishing off a move in which over half the Australian side handled the ball. Particular highlights are the quick hands of the Ella brothers and the selfless offload from second-row Steve Williams.Carel du Plessis (Overseas XV) v Five Nations XV, 1986 South Africa struggled to play top-class opposition in the 1980s due to the apartheid system, but a number of Springbok internationals found their way into an Overseas XV that faced a Five Nations XV at Twickenham to celebrate the centenary of the IRFB (now World Rugby).With the Overseas XV comfortably leading, some of their South African and Kiwi stars combined for a magical try (see 43:50 on the video).A flowing move found John Kirwan on the outside and he in turn found Danie Gerber, perhaps the finest Springbok centre of all. His swaying run took the ball back to centre-field before he unleashed a looping pass to the left wing to unlock the defence.A simple pop back inside and South African wing Carel du Plessis was away, outrunning three defenders before showing the strength to hold off three more and force the ball over the line.FIND OUT WHAT’S INSIDE RUGBY WORLD MAGAZINE’S 60TH ANNIVERSARY EDITIONUli Schmidt (South Africa) v New Zealand Cavaliers, 1986 60 Years of Rugby World: Greatest Tries of the 1960s Expand John Kirwan (New Zealand) v Italy, 1987 Justin Tipuric’s try created straight from a kick-off in this year’s Six Nations was exceptional, but possibly even greater is a try in which one man does all the work. New Zealand’s first-ever Rugby World Cup game was a 70-6 thrashing of Italy, a match remembered for John Kirwan’s meandering masterpiece.What is most remarkable about Kirwan’s defence-splitting run is that he beat six defenders. Like an American Football running back, the Auckland man picked an exacting path through sprawling defenders – but without any blockers to help him. An Italian didn’t come particularly close to tackling him – save for once he’d already crossed the line, 90 metres later.Serge Blanco (France) v Australia, 1987 France were the classiest European team of the decade, but their most iconic moment of the decade came not through exactitude but the glorious imperfection of Serge Blanco’s World Cup semi-final winner.With scores tied at 24-24, a kick forward saw Jean Condom almost knock himself out on the floor but crucially reclaim the ball. It then travelled through 11 pairs of French hands, narrowly surviving head-high tackles and improbable offloads to find Blanco in half a yard of space.He didn’t have the best angle, but his smooth running style saw him beat Tom Lawton to the corner. His celebration, pounding the floor with his fists, is one of the defining images of French rugby.Jonathan Davies (Wales) v Scotland, 1988 After the success of the 1970s, the 1980s were more of a lost decade for Wales, but the talents of mercurial fly-half Jonathan Davies reminded some fans of the glory days. Perhaps his best moment in the famous red No 10 jersey came against the Scots in a comeback 25-20 victory.A retreating scum forced No 9 Robert Jones to throw a remarkable pass out the back of his hand, finding Davies sitting uncharacteristically deep. ‘Jiffy’ jinked past Finlay Calder, but with the entire Scottish scrum ahead of him options seemed limited.However, like the greats, he saw a solution no other player envisaged, threading a grubber through a forest of legs and outsprinting Derek White to the ball. Come for the try, stay for the daggers he gives White as both lie tangled on the ground.Noel Mannion (Ireland) v Wales, 1989 Ireland had lost in the 1987 World Cup to Wales and been beaten by them at home the year after, so entered the 1989 clash low on confidence. Noel Mannion’s remarkable try saw them to a 19-13 victory, a try so gloriously odd that it became an instant classic.A promising Wales attack saw Bleddyn Bowen’s attacking kick smash into advancing No 8 Mannion’s stomach. Whereas most ordinary humans would have been felled by this gut-punch, Mannion somehow caught the ball and, by the time anyone had realised, was already streaking away up the pitch, a blur of green wildfire.It looked as if speedy Welsh flanker David Bryant would catch him, but the Connacht man somehow held him off to gambol over and collapse exhausted in the corner. 60 Years of Rugby World: Greatest Tries of the 1960s Jacob Whitehead runs through the top ten Test… Jacob Whitehead runs through the top ten Test… Collapse French flair: Serge Blanco scores the winning try against Australia in 1987 (Getty Images) Jacob Whitehead runs through the top ten international tries from the Eighties 60 Years of Rugby World: Greatest Tries of the 1970s LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Can’t get to the shops? You can download the digital edition of Rugby World straight to your tablet or subscribe to the print edition to get the magazine delivered to your door.Follow Rugby World on Facebook, Instagram and Twitter.
South African church leaders appeal for calm ahead of elections The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Tags Curate (Associate & Priest-in-Charge) Traverse City, MI Rector (FT or PT) Indian River, MI Featured Events Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Associate Priest for Pastoral Care New York, NY Rector and Chaplain Eugene, OR Rector Pittsburgh, PA Assistant/Associate Rector Morristown, NJ Priest-in-Charge Lebanon, OH Canon for Family Ministry Jackson, MS Africa, Press Release Service Director of Administration & Finance Atlanta, GA Rector/Priest in Charge (PT) Lisbon, ME Bishop Diocesan Springfield, IL Associate Rector Columbus, GA Rector Knoxville, TN Faith & Politics Submit a Job Listing Course Director Jerusalem, Israel Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Advocacy Peace & Justice, TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab Director of Music Morristown, NJ Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York Rector Shreveport, LA Assistant/Associate Priest Scottsdale, AZ Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Rector Collierville, TN This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Rector Washington, DC In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 Rector Tampa, FL Youth Minister Lorton, VA Featured Jobs & Calls Missioner for Disaster Resilience Sacramento, CA Rector Hopkinsville, KY Priest Associate or Director of Adult Ministries Greenville, SC Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET New Berrigan Book With Episcopal Roots Cascade Books Anglican Communion, Rector Belleville, IL Family Ministry Coordinator Baton Rouge, LA Submit a Press Release Rector Martinsville, VA Associate Rector for Family Ministries Anchorage, AK Cathedral Dean Boise, ID Rector Smithfield, NC Assistant/Associate Rector Washington, DC Rector Bath, NC The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Submit an Event Listing Rector Albany, NY An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Curate Diocese of Nebraska Posted Jul 29, 2016
Share on Facebook Tweet on Twitter Yes, congratulations! There were some other interesting facts that I didn’t know about the RLC tickets also, like if they are sent out in the mail, and a person, for whatever reason, never received their mail about the ticket, and it wasn’t paid, then the person’s driver’s license would be suspended, and if a police officer stopped you later, unbeknown to you, he would arrest you for driving with a suspended license, and because of that, your auto insurance would already be cancelled, but you wouldn’t of had a clue. Plus, if you were involved in a wreck, during this period of you not even knowing a ticket had came in the mail, but you didn’t get it, for whatever reason, and there were injuries, or property damage due to the wreck during this time, the insurer would not legally have to pay off at all! It was also discussed that the tickets are $158.00 by RLC, but if a law enforcement officer had of written you a ticket in person, the fine would only be half of what a RLC ticket is! August 16, 2018 at 10:17 am Reply Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Mama Mia Please enter your comment! Reply August 15, 2018 at 10:17 pm Reply Michael Heaton Reply Mama Mia And it was also mentioned that the RLC company, American Traffic Solutions, had changed its name too, not sure what the new name is though. So 17 RLCs will be leaving the Apopka city limits, at the end of this year, when the contract is up! Good riddance to those flashing monsters! Mayor Nelson made it happen, and kept his campaign promise, as did the others too, who made promises in their campaigns, to terminate the RLCs….!!! Reply LEAVE A REPLY Cancel reply The cameras are leaving!!! The most amazing thing happened tonight at the Apopka City Council meeting, and that is the news that the entire city council voted to terminate the red light camera contract! The RLCs will end Dec. 31st, 2018, and then there will be no more flashing, and tickets in this city limit, by the RLCs, but the cameras will still be here, and be flashing, and ticketing until Dec. 31st. I didn’t think all the council members would listen, but they did, and I am personally very proud of each one of them! At first, I thought that they were headed in the opposite direction, to try to keep the contract, and extend it, when I heard the talk, but I misread some of their reasoning. Again, I am proud of each and every council member! You all listened to the speakers, and to the public majority, and thank you all so very much for your votes! We left the council early after the votes, only to get stopped by state troopers who whizzed around and stopped all the traffic on 441, and were escorting 6 very long concrete bridge beams on 6 different big rigs, heading east out of the city on 441. The traffic was stopped at every intersection, by several fast moving state troopers with their blue flashing lights. We were stopped at the intersection of KFC. I wonder where those concrete bridge beams were headed? I-4 project, maybe? You can view the council’s votes terminating the RLCs on Channels 9 and 6, as the tv crews were there live filming at the Apopka City Council Meeting tonight. Thumbs up!!! Now aren’t you ashamed that you questioned his sincerity about this? Hope all of you doubters will now back off and let them do what needs to be done to get us out of the hole he inherited, also welcome to the fact that we will now have to pick up the tab in taxes that was covered by 70% of the tickets going to non residents. Hope you can afford it, personally I can’t as medicare will take more out of my pocket this year and I won’t get a raise in my ssa to cover it Reply August 15, 2018 at 11:01 pm Save my name, email, and website in this browser for the next time I comment. You have entered an incorrect email address! Please enter your email address here Mama Mia Opinion/AnalysisRLC 2.0: The Hunt for Red Light Cameras – Part ThreeBy Reggie Connell/ Managing Editor of The Apopka VoiceRed light cameras are a hot topic, and not just in Apopka.Do a Google search of “red light cameras” and you get 387,000,000 results. 438 municipalities, including 36 out of the 50 most populous cities in the United States, have deployed a red light camera program at some point in the last decade. Consequently, there is a lot of data, and a lot of studies that say red light cameras are beneficial, and that they are not.The good, the bad, and the ugly of RLC’s are out there for all to see and reference.Two studies, done by Northwestern University and Case Western Reserve University, stood out to me for several reasons:They were data driven.They were current.They were comprehensive.They seem to have no stake in the outcome and were therefore objective.Their findings sometimes confirmed one another but had significantly different conclusions.In short, one study concludes that the RLC’s in Chicago reduces serious injury-type crashes at intersections, and improves public safety. The other study concludes that RLC’s primarily in Houston and two other large cities in Texas do not reduce the total number of vehicle accidents, the total number of individuals injured in accidents or the total number of incapacitating injuries that involve ambulance transport to a hospital.I’ll let you read these two studies, and then discuss how I think they apply to Apopka at the conclusion.In support of RLC’s:Chicago’s red-light camera program has significant safety benefitsBy Megan Fellman, Science, and Engineering Editor at Northwestern UniversityChicago’s red-light cameras reduce serious injury crashes at intersections where they are placed and also have a measurable “spillover effect” that improves safety at intersections without cameras, according to a Northwestern University Transportation Center study released today (March 20, 2017).The research team found the Chicago red-light camera (RLC) enforcement program delivers significant safety benefits, and the 104-page report provides several recommendations to enhance the program’s performance.The report provides tools and analysis that can help the city identify existing and potential camera locations requiring further attention and notes that enforcing RLC violations occurring within fractions of a second after the light turns red might not provide significant safety benefits.Hani S. Mahmassani, director of the Transportation Center, led the study on the effectiveness of the RLC program using available safety data. The team, including an expert advisory panel of traffic safety experts from across the country, conducted a rigorous analysis of existing RLC enforcement practices before arriving at its recommendations.Based on the analysis, the report recommends continuation of the program. “Quantitative studies conducted in this project demonstrate significant safety benefits of the current RLC program,” the report concluded.The study was authorized by the Chicago City Council and commissioned by the Chicago Department of Transportation (CDOT). Commissioning the independent academic report was a major step CDOT took toward reforming the program in 2015 in cooperation with the City Council.Mahmassani’s RLC study team, including Northwestern colleague Joseph L. Schofer, corroborated the findings of other national studies that have shown camera enforcement correlates with an overall decrease in injury-producing crashes.Mahmassani is the William A. Patterson Distinguished Chair in Transportation in the McCormick School of Engineering. Schofer is a faculty associate of the Transportation Center and a professor of civil and environmental engineering and an associate dean at McCormick.The report found that injury-producing crashes decreased by about 10 percent because of the camera program; more dangerous angle and/or turn crashes decreased by 19 percent. The study also found less dangerous and less frequent rear-end crashes increased by 14 percent, consistent with experience in other cities. For this portion of the study, the researchers used data from 2005 to 2007 (before red-light cameras were deployed) and data from 2010 to 2012 (after red-light cameras were mostly deployed).Federally sponsored traffic safety research has shown that angle and turn crashes have a lost productivity cost to society that is about five times greater than the cost attributed to damage from rear-end crashes.The Northwestern RLC researchers are the first to document that red-light cameras not only improve safety where they are placed but also improve behavior at intersections without cameras through a “spillover effect.” The researchers estimated the spillover effect by comparing before- and after-crash data at 85 intersections where RLCs were installed in 2008 and 2009 with crash data for 103 intersections that were not equipped with cameras.In its study, the Northwestern University Transportation Center’s research team presented three key recommendations for strengthening the red-light camera enforcement program:The Transportation Center has provided the city of Chicago with tools and analysis that can help identify camera locations that require further study as to whether they are meeting the expected safety benefits. The tools also help identify locations that currently lack camera enforcement but could benefit from the placement of cameras. The researchers recommend that the city review crash and other data on a routine annual basis using criteria specified by the study team and consider removing some cameras and installing others in new locations.The study team found that enforcing violations that occur within fractions of a second after the light turns red might not provide significant safety benefits. The researchers note there is a legitimate “dilemma zone” faced by drivers as a light turns from yellow to red in which law-abiding drivers can be caught.The researchers suggested the city improve transparency and public acceptance of the program by augmenting and improving the public reporting of the program, by grounding the program in clear safety benefits and by coordinating with an overall traffic safety program in the city that is not only based on camera enforcement.The scope of the Northwestern RLC study included performing a comprehensive assessment of existing practices and benchmarking them against national best practices.*****Against RLC’s:Cameras can catch cars that run red lights, but that doesn’t make the streets saferBy Justin Gallagher, Assistant Professor of Economics, Case Western Reserve University and first published on theconversation.com. The automobile is a killer. In the U.S., 36,675 people died in traffic accidents in 2014. The year before, 2.3 million people were injured in traffic accidents.During the past decade, over 438 U.S. municipalities, including 36 of the 50 most populous cities, have employed electronic monitoring programs in order to reduce the number of accidents. Red light camera programs specifically target drivers that run red lights.In a study I co-authored with economist Paul J. Fisher, we examined all police-recorded traffic accidents for three large Texas cities over a 12-year period – hundreds of thousands of accidents. We found no evidence that red light cameras improve public safety. They don’t reduce the total number of vehicle accidents, the total number of individuals injured in accidents or the total number of incapacitating injuries that involve ambulance transport to a hospital.In a red light camera program, a camera is installed in a location where it can take photos or video of vehicles as they pass through the intersection. City employees or private contractors then review the photos. If a vehicle is in the intersection when the light is red, then a ticket is sent to the person who registered the vehicle.These programs aim to reduce cross-street collisions. The idea is that drivers, fearing a higher chance that they will be fined, will be more likely to stop, lowering the number of angles, or “T-bone,” accidents.The evidence clearly shows that camera programs are effective at decreasing the number of vehicles running red lights. In one study in Virginia, red light cameras reduced the number of total drivers running red lights by 67 percent.However, cameras can have contradictory effects on traffic safety. Some drivers who would have otherwise continued to proceed through the intersection when the light is yellow or red will now attempt to stop. That means that the number of accidents caused by vehicles not stopping at a red light will likely decrease.But the number of accidents from stopping at a red light – such as rear-end accidents – is likely to increase. That’s not an inconsequential side effect. Some drivers will attempt to stop, accepting a higher risk of a non-angle accident like getting rear-ended, in order to avoid the expected fine.The overall effect of a camera program on vehicle accidents and injuries depends on the net impact of these two effects. Overall driver safety could increase or decrease.In our study, we focused on Houston, a major U.S. city that operated a large camera program at 66 intersections between 2006 and 2010.One reason we chose Houston is to take advantage of the natural experiment that occurred when city residents passed a referendum in November 2010 to ban the cameras.We accessed detailed accident information on every traffic accident in Texas from 2003 to 2014 through a public records information request. The data included the accident’s precise geocoded location; the type of accident; whether the driver ran a red light; and details of any injuries.When the Houston cameras were removed, angle accidents increased by 26 percent. However, all other types of accidents decreased by 18 percent. Approximately one-third of all Houston intersection accidents are angle accidents. This suggests that the program’s drawbacks canceled out its benefits.Our study showed no evidence that cameras reduce the total number of accidents. We estimate that total accidents are reduced by a statistically insignificant 3 percent after the cameras are turned off.Likewise, there’s no evidence that the camera program reduced the number of traffic-related injuries or the likelihood of incurring an incapacitating injury.The elevated number of traffic accidents at urban intersections is a serious public health issue. But our study shows that Houston’s camera program was ineffective in improving traffic safety. Electronic monitoring is not the solution.*****So how does this apply to Apopka?It’s difficult to compare Chicago to Houston and large cities in Texas, and even harder to compare Apopka to either. Perhaps the RLC’s are effective in Chicago, but not in Texas as both studies seem to suggest.In my estimation, what these two studies conclude most of all is that municipalities are different, and what works on the streets of Chicago might not work on the streets of Houston. It also suggests that Apopka may need a similar study done by objective experts to conclude if RLC’s are in fact improving public safety.As it turns out, the Northwestern study was authorized by the Chicago City Council and commissioned by the Chicago Department of Transportation (CDOT). Commissioning the independent academic report was a major step CDOT took toward reforming the program in 2015 in cooperation with the City Council.That is a step the Apopka City Council should also take. There is over a decade of data to be studied about the RLC program, and before action is taken to end the program, Apopka should know the true, non-anecdotal, unvarnished truth. It would be my suggestion that the City Council commission a study of the RLC program by an uninterested third-party similar to those studies done in Chicago and Houston whether it passes or fails in tonight’s vote.If an objective study concludes that the RLC program reduces serious crashes, saves lives and reduces injuries, I doubt 75% of Apopka would be against the program. If, however, the study concludes there’s no evidence that the RLC program reduced the number of traffic-related injuries or the likelihood of incurring an incapacitating injury, I would expect that number to rise closer to 100%.Tonight’s public comments, discussion, and vote on the Apopka RLC program will be historic, loud, and passionate. There is no denying that. But let’s try to let data, statistics, and objectivity prevail and keep in mind most everyone associated with this issue wants what’s best for Apopka, which includes the City Council, the Apopka Police Department, the public speakers and the residents of this community. Congratulations to all 5 City Council members to stand by their word. A message is clearly sent for future issues!! TAGSApopka City CouncilApopka Police DepartmentRed Light Camera Program Previous articleAmerica has 1.5 million nonprofits and room for moreNext articleOrange County opens waiting list for Section 8 housing Denise Connell RELATED ARTICLESMORE FROM AUTHOR August 15, 2018 at 10:31 pm August 15, 2018 at 5:51 pm Mama Mia Reply August 15, 2018 at 10:24 pm 8 COMMENTS Michael Heaton August 16, 2018 at 6:25 am The Anatomy of Fear Reply Jimcc, Why do you want to fight? You should be celebrating the RLCs have been axed! No, I am not ashamed of anything….we citizens have to keep watch on ALL politicians no matter who they are, and what they promise, otherwise, when the cat is away, the mice will play….come on Jimcc, let’s celebrate! I know you are not a lawbreaker, and don’t run red lights, you have told us that several times, but if by some little slim chance, something had of went wrong, and traffic slowed ahead of you out in the intersection, and caused you to get flashed and a RLC ticket mailed to you, it would cost probably way way more, $ 158.00 to be exact, if you didn’t challenge the ticket, and way way more appox. $255.00, is what I have been hearing, if you did challenge the ticket, and most didn’t win the challenges, is what I have been hearing…..then those amounts are way way more than what a very small tax increase of a half mill or quarter mill, would cost…..But yes, we have to keep watch and not let taxes in this city go the extreme because of people on fixed incomes like ss that don’t get annual raises, and set pensions that don’t get raises ever! I know I am now on ss and my husband too, and in fact, I am not certain I will even be able to afford my health coverage, as there is a gap between my husband’s age to qualify for medicare, and I am younger than he is, and there is about two years that he can no longer carry me on his employer plan without Cobra insurance, and it is very expensive, so I may have to do without health insurance, if mine doubles or triples what he pays for me now, so at least you are lucky to have Medicare! And just because 70 percent of the RLCs were written against out of towners doesn’t make it right! We can now officially put up that “Welcome to Apopka” new sign (that the previous council never could agree on) because of design, location, and you-name-it….lol and we really can say “welcome” and don’t be fearful to come here and do business here, and hang around and enjoy our city or pass through here and not fear the dreaded RLCs! Mama Mia No, we don’t need, nor want, any more stinkin’ studies of RLCs in this city that cost a fortune to “study”, we want action tonight to get rid of them, not more idle talk, and we don’t appreciate commissioners who said they were against the RLCs at campaign time, and now after getting elected, talk of “educating” us citizens, on the merits of the RLC program! Get real, and honor you all’s campaign promises! Jimcc Please enter your name here Support conservation and fish with NEW Florida specialty license plate August 15, 2018 at 11:15 pm
Digital agency Agency.com London has beaten three other agencies to secure the online business strategy account of Christian Aid.Agency.com London has already begun to provide business analysis, and this will be followed by a user research project. Following that the agency will develop an online strategy for the international development charity.Russell Marsh, Group Account Director at Agency.com London told e-consultancy: “This is a fantastic opportunity to help [Christian Aid] better understand their online audience, recruit new supporters and campaigners and ultimately increase donations.” Advertisement Howard Lake | 12 July 2005 | News Tagged with: Consulting & Agencies Digital Dorothy Atcheson, Chief Editor of the Christian Aid website, said that Agency.com won the pitch process because of their “strategic vision, extensive commercial expertise, and perseverance in understanding the obstacles we face as a charity trying to realise big dreams with limited resources.”Agency.com has worked with other charities including NSPCC in the UK and Make-A-Wish Foundation® of Metro New York in the USA. Agency.com wins Christian Aid online strategy account 22 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.
As the wildfires in Camp and Woolsey in California continue to rage, local and federal agencies are working towards containing them to avoid further damage to life and property. The fire has already claimed 79 lives with 700 still reported missing, according to the Associated Press (AP). The AP report stated that the fire which burned at least 236 square miles destroyed 12,000 homes.While it was too early to estimate the damage done by the wildfire, California Insurance Commissioner Dave Jones told AP that to give a perspective, “Northern California fires that gutted 6,800 homes last year resulted in $12.6 billion in insured losses,” Jones told AP.The Impact on HousingAccording to the latest data by Realtor.com, the number of homes destroyed in the Camp Fire, which is being seen as the most deadly and destructive fire in California history, is equivalent to 18 months of active listing inventory. “The $3 billion of property within the fire boundaries is equivalent to almost 18 percent of the value of single-family residential properties in Butte County,” Danielle Hale, Chief Economist at Realtor.com.”With more than 12,000 residences destroyed or damaged and only 858 properties on the market in October, its damage has already overwhelmed the local real estate market,” Hale said. “Looking forward, insurance dollars pouring into the area will help cover some rebuilding costs, but residents should expect a roller-coaster ride of home prices and rents as inventory gets scooped up by displaced families.”While the destruction from the Woolsey fire is lower than expected, Realtor.com expects the housing market in this area to slow in the coming months as “local homeowners assess the damage and plan for the future.” Realtor.com found that the homes affected in Woolsey were more expensive than the surrounding areas with a median value of $985,000 within the fire boundary versus $685,000 in Ventura County. “This suggests that those affected may have more resources to deal with the impact of the fire, and the tightest part of the housing market, affordable, entry-level homes, will be less affected,” Hale said.Effect on RMBSWhile the fires would be having an overall lasting impact on the housing market of these counties, a recent Kroll Bond Rating Agency (KBRA) report analyzing the fire’s impact on residential mortgage-backed securities (RMBS) in the area revealed that it would have a marginal effect on RMBS in the area. While collateral concentrations in KBRA’s RMBS portfolio were higher in California at 35.6 percent, KBRA noted that exposure of RMBS in the ZIP codes which included evacuation areas was relatively limited as a percentage of the agency’s portfolio.While the California Core-Based Statistical Areas (CBSAs) covering Los Angeles-Long Beach-Anaheim,Oxnard-Thousand Oaks-Ventura and Chico represent 11.20 percent, 0.76 percent, and 0.04 percent, respectively, of total pool balance within KBRA’s rated RMBS portfolio, the zip codes within these CBSAs where evacuation orders were given represented a much smaller subset of KBRA’s portfolio, the agency said. “Potential impact to evacuation areas include only 0.27 percent of the collateral from properties backing KBRA’s rated RMBS portfolio,” KBRA said in its analysis.However, it pointed out that the true damage and exposure was still unknown due to the ” ongoing nature of these wildfires and the speculative nature of this exposure analysis.””Unlike flood insurance, which is only required for borrowers in flood zones, all borrowers are required tohave hazard insurance, which typically covers fire damage, including wildfires,” the analysis noted. “Representation & Warranties (R&Ws) in RMBS typically cover the presence of hazard insurance and damage to the property occurring prior to the securitization closing date.” Print This Post Previous: Why are Single-Family Rents Surging? Next: Caring for Veterans Past Veterans Day The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Related Articles November 20, 2018 1,828 Views An Update on California Wildfires The Best Markets For Residential Property Investors 2 days ago About Author: Radhika Ojha The Week Ahead: Nearing the Forbearance Exit 2 days ago in Daily Dose, Featured, Loss Mitigation, News Sign up for DS News Daily Demand Propels Home Prices Upward 2 days ago Tagged with: California Danielle Hale Homes HOUSING Insurance KBRA Realtor.com RMBS wildfire Servicers Navigate the Post-Pandemic World 2 days ago California Danielle Hale Homes HOUSING Insurance KBRA Realtor.com RMBS wildfire 2018-11-20 Radhika Ojha Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Home / Daily Dose / An Update on California Wildfires Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribe
Mizpah Volunteer Fire Company 18-2(MIZPAH, N.J.) — A young volunteer firefighter from New Jersey was killed Christmas morning when her car crashed into a guardrail as she responded to an emergency call.Natalie Dempsey, 21, worked for the Mizpah Volunteer Fire Company 18-2 and was the vice president of the organization. The company announced her death on its Facebook page at 8:30 a.m. Tuesday.Dempsey was driving her 2001 Honda Accord to a call just after 6 a.m. in Hamilton Township, New Jersey, when she apparently lost control and drove through a guardrail and off the road, according to New York ABC station WABC-TV.“At this time, the Mizpah Fire Co. has to announce the passing of Firefighter/Vice President Natalie Dempsey,” the company wrote in a statement. “Please keep her family in your prayers. We will keep you all updated on any funeral arrangements. This will be a funeral with full honors due to it being a line of duty passing.”Dempsey was pronounced dead on the scene and was the only one in the car, WABC-TV reported. Her car was only found after her own fire company stopped to assist other officials at the accident scene when returning from the initial fire to which Dempsey was reporting.The Mays Landing Fire Department, which works with the Mizpah volunteer force, responded to the accident. The department called her “vibrant” and “always smiling.” Both companies shared photos of Dempsey — one where she is smiling and decked out in full uniform and gear; and another where she is playfully posing, covered in firefighting foam.“Please join us in extending our thoughts and prayers to Ms. Dempsey’s family as well as to her firehouse family during this tough time,” the Mays Landing Fire Department said in a statement.“Natalie Dempsey, thank you for your service; we’ll take it from here.”Mizpah Fire Chief Jay Davenport told NJ.com that Dempsey had just passed the Firefighter 1 certification and had attended the police academy over the summer.Mizpah is about 25 miles west of Atlantic City, in southern New Jersey.Copyright © 2018, ABC Radio. All rights reserved.
KeithBinns/iStock(FORT SMITH, Ark.) — Authorities in Mexico are searching for an American medical school graduate who went missing over the weekend after one of his friends was found murdered.Arkansas native Jessy Pacheco, 30, went missing in the city of Guadalajara last week after he celebrated his graduation from the Universidad Autonoma de Guadalajara, his family told ABC News.He attended the university’s medical school for two and a half years but finished his residency in Arkansas, returning to Mexico to retrieve his diploma, said Francine Solis, his cousin’s wife.On Saturday night, Pacheco went out with a group of friends, Francine Solis said. Most of the group ended up leaving early, but Pacheco and another friend stayed a little longer to wait for an Uber they had called.Authorities believe Pacheco’s disappearance and his friend’s murder occurred in the Providencia neighborhood of Guadalajara on Saturday, according to a statement from the Jalisco State Prosecutor’s Office.Pachecho’s friend, whose name was not released by authorities, was found shot in the head a few blocks from the club they had been at, his family told ABC affiliate KHBS in Fort Smith, Ark. The 26-year-old was a California native and also a student of the university, Mexican newspaper Milenio reported.Pacheco’s family believes he may have been abducted have a set up a GoFundMe campaign to aid in their expenses while they stay in Mexico until he is found. He was set to return to the U.S. on Tuesday, Francine Solis said.Pacheco planned to return home to Van Buren, Arkansas to practice medicine after graduation, according to the GoFundMe. His mother and other family had traveled to Guadalajara to watch him graduate, Francine Solis said.On Friday, Pacheco posted photos to Facebook of himself posing with family in his cap and gown, writing that his “dream of becoming a doctor was fulfilled today!!!”Pachecho’s cousin, Jeff Solis, described him to KHBS as an “amazing guy.”“He’s a person that gets along with everybody and he’s always there for everybody,” Solis said. “I’m very proud of him to achieve such a goal and to hear this news is so devastating to me.”Mexican authorities have met with staff at the American consulate to keep them informed during the investigation, according to Jalisco State prosecutors. They plan to hold a press conference Thursday afternoon.The U.S. Department of State said in a statement that it is aware of the reports of a missing U.S. citizen.“The welfare and safety of U.S. citizens abroad is one of the highest priorities of the Department of State,” the statement read. “We stand ready to provide appropriate assistance to U.S. citizens in need and to their families.”A spokeswoman for Uber said she did not have any information on the case.Copyright © 2019, ABC Radio. All rights reserved.