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. Image source: Getty Images Before the coronavirus pandemic, Lloyds (LSE: LLOY) shares offered one of the best dividend yields in the FTSE 100. Unfortunately, that stopped at the beginning of last year. Fearing a potential financial crisis, City regulators banned the lender and its peers from distributing any cash to investors. Luckily, a financial crisis never emerged. And, towards the end of last year, regulators lifted the dividend ban. With this restriction removed, I believe the bank will reinstate its dividend this year, and I reckon it’s highly likely investors will see substantial cash returns from the lender the near term. 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…Buying Lloyds shares for income Around this time last year, shares in Lloyds supported a dividend yield of around 5.3%, or 3.2p per share. If the lender reinstated its dividend at this level in 2021, investors would be in line for a yield of 8.8%. While the bank might have the capacity to restore its dividend at this level, I think it’s unlikely. As the coronavirus crisis continues to rumble on, I reckon it’s more likely we’ll see a smaller payout to start from the group this year. Following a token payout this year, I reckon management will adopt a progressive dividend policy in the years ahead. I should note that these are relatively conservative projections. In the most optimistic projections, the bank could distribute billions as a special dividend to the holders of Lloyds shares. That’s based on the group’s latest capital figures. Capital reserve When policymakers decided to ban bank dividends at the beginning of last year, they were worried that lenders would use up their capital buffers, which is what happened in the financial crisis. However, the opposite has happened. Rather than using up their capital buffers, these reserves have only increased. In November, Lloyds reported a Common Equity Tier-1 ratio of 15.2%. At the end of 2019, the ratio was 15%. This was significantly above management’s minimum required level of 13.5%.When the Tier-1 capital ratio hit 15% in 2019, Lloyds declared a final dividend of 2.25p per share, totalling £1.6bn. I think this capital figure only increased during the last three months of the year. That suggests Lloyds could return substantially more than the £1.6bn payout it distributed for 2019. I think these numbers mean investors could see a final dividend for 2020 of around 2.5p to 3p per share in the best-case scenario. This suggests the stock could provide investors with a dividend yield of 7% to 8.2%, based on my figures. Even in the most basic scenario, I can see the stock offering a yield of around 3%, or in line with the market average, in 2021. Those are the reasons why I’d buy Lloyds shares for income in 2021. Now that the bank is allowed to resume investor returns, I believe the stock could become a cash cow for shareholders in the years ahead. 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. Enter Your Email Address “This Stock Could Be Like Buying Amazon in 1997” I’d buy Lloyds shares for the bank’s dividend in 2021 Rupert Hargreaves owns no share mentioned. The Motley Fool UK has recommended Lloyds Banking Group. 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! 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. Simply click below to discover how you can take advantage of this. Our 6 ‘Best Buys Now’ Shares Rupert Hargreaves | Sunday, 17th January, 2021 | More on: LLOY See all posts by Rupert Hargreaves
The Oldenburg Academy Lady Twisters posted a 5-0 victory over The South Dearborn Lady Knights In Girls Tennis action.Courtesy of Twisters Coach Mark Wilder.
ONLINE Q&ASOUTH AFRICA BRAND ALIGNMENT PROJECT FAQ QUESTION 1What is the SA brand alignment project about? As one country, South Africa needs a common vision portrayed through one brand. A single brand position and identity has therefore been created for use by any entity officially mandated to market South Africa internationally. The new logo seeks to align the South African nation brand, to enable global audiences to associate our country with a single, powerful image and corresponding messaging.QUESTION 2Why was brand alignment required for the South African national brand? South Africa currently has over 60 different brand logos, with multiple messages being communicated to local and global audiences. This brand fragmentation has not only delivered a myriad of marketing messages relating to the country, but has led to a misalignment of the overall South Africa brand architecture.The objective behind the creation of a single brand position and identity is to combine and unify international marketing efforts of various South African entities. Through this project, we have sought to represent South Africa in an iconic and memorable manner, simultaneously aiming to enhance the country’s global competitiveness. We are confident that we have created an icon that represents what South Africa stands for, what we have to offer and one that is representative of all South Africans.QUESTION 3Who is responsible for the creation of the logo? In 2007, the International Marketing Council of South Africa (IMC), working in partnership with key national stakeholders including SA Tourism, the Government Communication and Information Service (GCIS) and Department of Trade and Industry (DTI) began the process of aligning stakeholders behind the use of one logo – a united Nation Brand architecture for the country. To date, the process has involved consultation between provinces, cities and national departments.QUESTION 4What does this new South Africa logo represent / signify? The new, aligned Brand SA logo is based on the design of the South African flag – a symbol of national unity and one of the most highly recognised flags worldwide, despite its relatively short history. We wear it, we fly it and we are all passionate about it.The logo is not a replacement of the Government coat of arms or any other institutional logo, but is to be used purely for the purpose of Nation marketing initiatives.QUESTION 5Can I use the logo immediately? Following a two year partnership journey in order to research, conceptualise and finalise an united brand architecture for the South African nation brand, South African Cabinet approved the new international marketing logo in the first week of November 2009. Application thereof has commenced, with an open invitation issued to South African businesses, multi-national corporations, Government departments, cities, provinces and parastatals etc. to begin incorporation of the logo into collateral and stationary. Please note that though we would encourage early adoption, we do not encourage wastage of existing stationary. There is no deadline as to when the use of the logo must be followed.QUESTION 6Which criteria have been observed in the logo creation? In creating the logo, it was imperative for it to be authentic and thereby, a trademark for the South African brand. We aimed to deliver an icon that is original, distinct, memorable and “ownable” to all South Africans who market themselves and the country to international audiences. The resulting logo is an evolution of existing logos with the highest brand equity in the market, and one that we are confident can be applied across all sectors and entities. Importantly, we strived to provide a logo that is easy to apply.QUESTION 7Who should be using the new logo and what are the benefits thereof? Anyone mandated to market South Africa internationally, including tourism, sports, arts and culture, trade etc. is encouraged to use the logo. The benefits are four-fold:Increased market presence – Due to the oneness of the logo, extended market reach and awareness building is enabled.Consistent look and feel – South Africa will eventually gain a clear, unique and “ownable” identity that will be as consistently reinforced, simultaneously unlocking greater impact of messaging.Greater nation branding competitiveness – Due to our exercising of branding economies of scale, we will be better able to compete with bigger spending nations.Maximum return-on-marketing spend – This is an overall benefit that will be unlocked for all participating entities.QUESTION 8Where can I find the corporate identity guidelines for use of the logo? The International Marketing Council of South Africa (Brand South Africa) will be providing an easy to use, do-it-yourself corporate identity manual, which will be made available for use by anyone mandated to market South Africa internationally.QUESTION 9Is there any specific symbolism behind the logo design?The logo, which is based on the design of the South African flag points East. This suggests forward movement – which we believe embodies the future promise and progress of South Africa. The South African flag has always been and remains a powerful national symbol that has united our nation throughout our democratic journey. The design is modern, vibrant, bold and importantly a single icon that is true to the South African brand personality. We believe that it is a symbol that can be warmly embraced by all.QUESTION 10Who has funded the project? The project has been initiated and driven by the IMC (Brand South Africa). The IMC is confident that this critical investment will be rapidly offset by the combined impact of previously separate branding initiatives, and views the project as a critical legacy driver for the South African brand.QUESTION 11What implementation plan is being rolled out? Between November and December 2009, stakeholder engagement and consultation is being undertaken. This includes engagement with key national government departments, including provinces, municipalities and cities. As of January 2010, training of all relevant national and regional teams, with regard to the new corporate identity will be provided to front-line nation branding organisations, including the DTI, SA Tourism and GCIS. We aim to conclude all training by the end of March 2010. A formal SA logo launch event is scheduled to take place early in 2010.QUESTION 12What does the approval of the new SA logo represent? Cabinet’s approval of this new icon represents a new era in nation branding. For the first time, South African entities will go to the world under a single, colourful and dynamic logo that is representative of the South African brand personality.QUESTION 13What future CI-related developments are being considered? A central image library is in the process of being developed, with the objective being to showcase South Africa as an advanced, modern economy with first-class infrastructure, sectors and vibrancy. Further, a comprehensive Brand SA Marketers portal is in development. This resource will provide everyone mandated to market South Africa to international audiences with a web-based, secure information and resource portal that offers branding tools, statistics and information, calendars, contacts, success stories and a feedback facility. Its purpose is to enhance the task of those marketing the country to international audiences, alleviate dissemination of duplicate and inaccurate information and facilitate information sharing and collaboration.End read more
Have you ever seen a behind-the-scenes shot with a model holding a gray card (or a color chart with a gray card included) and wondered what that was? Here’s the scoop.Top image via Dave DugdaleA gray card (primarily used by photographers) is an item of neutral color, also known as a middle gray reference. There are of course several shades of gray (there’s a missed opportunity for a joke here), but this particular hue falls into the center of the gray chart, and as such, the camera processing system can reference it better than any other color. The camera can then base this reference under different lighting circumstances and correct either the color cast or exposure. Sometimes both.Gray cards in filmmaking are typically used for the film color timers and colorists. You would set the gray card up at the start of the shot, making sure it’s illuminated by the light source that you want to define as your white/natural light (which the colorist can use as a base reference in post). There is an important issue regarding the gray cards and lighting gels.Author Blain Brown of Cinematography Theory and Practice says:A gray card should be lit specifically as a grading reference or as an exposure reference. For example, suppose you are lighting a scene with the key as moonlight blue — which you intend to be very dark and shadowy. If you then place the gray card in this moonlight blue and shoot it, the colorist or film timer would have no choice but to make the card neutral gray as it is supposed to be. This would be done by taking out all of the blue and raising the exposure to lighten it up: everything you have done with the lighting would be erased. This is a key point that crews sometimes don’t understand or forget.Therefore, to preserve the intended look of the scene, it is important to remove the gels before taking the shot with the gray card included.The Importance of White BalancingImage via Izzy VideoBlain talks about using the gray card as a reference point in post-production, but with cameras of the HD generation (especially DSLRs), we can use the gray card to correctly set our white balance in camera before we’ve even started filming.Is it important to do this? With automatic white balancing and several other automated features, it would be easy to think that this process is redundant. The automated WB feature (and built-in WB presets) in most cases work fine, but this is a security check to get that 100%.We live in a culture of fixing something in post, and DSLRs aren’t specifically designed for filmmaking, so you want to get as much right in camera as you can. The chroma subsampling of many HDSLRs is going to throw away the unused color information, and later changing your color balance from 6000k to 3000k will likely degrade your image to some extent.You can get a gray card for next to nothing. I use the 12-inch Ezybalance Card from Lastolite. You can pick this up on eBay for as little as $25.Using A Gray Card To Set White Balance Follow the steps below to get yourself perfect white balance.Place your gray card in front of the camera and make sure it’s being illuminated by the light which will illuminate the scene. You want the gray card to fill the majority of the composition. Some camera models will require the gray card to fill the entire frame.Take the photograph.Head to your settings to select custom white balance.Choose the photograph you have just taken (some camera models ask for the photo after you have chosen to obtain a white balance reading from a gray card).Your white balance should now be correctly set at a pure white light setting.In the video above at 3:20, Curtis Judd runs through the setup menu with a Canon and Nikon. Perfect if you’re unsure on where to find the custom WB settings.If you’re having trouble correctly setting the exposure, and you don’t have a light meter, you can also use the gray card to help assist you. Please remember that this technique will help you capture good exposure, not ideal exposure. If your scene is intentionally dramatically underlit, then the gray card will be of no use.Using A Gray Card To Set Exposure Set your DSLR to the spot metered reading mode.Set the DSLR capture setting to manual.Fill the gray card within the majority of the shot.Use the onscreen exposure reading to balance the shot.For a further look into using a gray card for obtaining correct exposure, check out Calebs Pike’s video from DSLR Video Shooter.It’s very simple and very inexpensive, but a gray card can help better your pictures (moving or still) dramatically.Got any tips for working with gray cards? Share them in the comments below! read more
Kammuri turning to super typhoon less likely but possible — Pagasa Catriona Gray spends Thanksgiving by preparing meals for people with illnesses Gayle Layug led the Engineers with 13 points. Read Next View comments Don’t miss out on the latest news and information. UPLB exempted from SEA Games class suspension San Beda brushed off a poor third set and dismantled Technological Institute of the Philippines in four, 25-13, 25-18, 25-27, 25-13, to start its campaign in the Premier Volleyball League Collegiate Conference Sunday at Filoil Flying V Centre in San Juan.Cesca Racraquin led all scorers with 19 points to lead the Red Spikers but she wasn’t a one-lady show for San Beda as Satrriani Espiritu became a reliable second option finishing with 18 points.ADVERTISEMENT Brace for potentially devastating typhoon approaching PH – NDRRMC Typhoon Kammuri accelerates, gains strength en route to PH LOOK: Venues for 2019 SEA Games MOST READ SEA Games in Calabarzon safe, secure – Solcom chief PH women’s volleyball team motivated to deliver in front of hometown crowd PLAY LIST 02:25PH women’s volleyball team motivated to deliver in front of hometown crowd00:50Trending Articles01:42Cops track down 4 persons of interest in ambush of DOLE employee01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Twins Jiezela Viray and Nieza Viray were capable troublemakers for San Beda as they put up 15 and 10 points, respectively.Red Spikers head coach Nemesio Gavino knew of his team’s problem of dropping down whenever it gets a lead and he aims to fix it in the tournament.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutout“That’s our sickness, whenever we get a lead we tend to relax and our opponents see that,” said Gavino of his team’s poor performance in the third set. “That’s what we need to improve on.”“I think the kids were excited because this is the PVL and it’s a fairly big league.” LATEST STORIES Soltones still adjusting to new role as assistant coach for San Sebastian WATCH: Streetboys show off slick dance moves in Vhong Navarro’s wedding read more
Blackwater import Henry Walker collides with GlobalPort’s Sean Anthony in Sunday’s PBA Governors’ Cup game at Ynares Center in Antipolo. —AUGUST DELA CRUZANTIPOLO—Allein Maliksi had an impressive debut and Henry Walker held Blackwater together yet again as the Elite tripped GlobalPort on Sunday night, hastening the completion of the quarterfinal cast of the PBA Governors’ Cup.Acquired from Star just a few days back, Maliksi scored 22 points and Walker flirted with a triple double as the Elite led early before holding on for a 118-107 decision of the Batang Pier at Ynares Center here that left the rest of the elimination round as games for qualifiers to improve on their current rankings.In rising to 5-5, the Elite not only shut the door on the Batang Pier but also on the idle Alaska Aces, both with 3-7 cards.ADVERTISEMENT LATEST STORIES Lacson: SEA Games fund put in foundation like ‘Napoles case’ The Aces will be clashing with Rain or Shine on Wednesday with the game carrying a lot of weight for the Elasto Painters who, like the Elite, would want to avoid clashing with the top seed in the quarterfinals.As things stand, Rain or Shine has Alaska and then Blackwater to close out its elimination round schedule. That match happens Saturday with the loser dropping toNo. 8 and having the unenviable task of beating No. 1 two straight times.“We need (to win) to improve our standings,” Blackwater coach Leo Isaac said.FEATURED STORIESSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSPrivate companies step in to help SEA Games hostingSPORTSBoxers Pacquiao, Petecio torchbearers for SEA Games openingIn the nightcap, TNT KaTropa outlasted Star, 104-99, to improve to 7-3 and tie idle NLEX in third place.Star and Rain or Shine share 5-4 marks.Isaac’s entire starting unit finished with twin digits in scoring and Dave Marcelo, another new recruit acquired from Barangay Ginebra, came off the bench to scatter 13 for the Elite, who led by as much as 21 points in the third period. Robredo: True leaders perform well despite having ‘uninspiring’ boss PLAY LIST 02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games Ethel Booba on hotel’s clarification that ‘kikiam’ is ‘chicken sausage’: ‘Kung di pa pansinin, baka isipin nila ok lang’ Argentine bishop appears at court hearing on abuse charges Trump to designate Mexican drug cartels as terrorist groups Sports Related Videospowered by AdSparcRead Next “We were lucky to withstand that GlobalPort rally,” Isaac said, before paying tribute to Walker for his leadership on the floor. “He was doing everything he can in being a leader for us on the floor.”Blackwater also caught a break in the second period when Terrence Romeo was ejected for throwing the ball at Walker.“That was a big thing for us,” Isaac admitted. “We had our [defensive] radar on Terrence for this game because we know he can really explode. When he was thrown out, he already had 13 points. Imagine what he could have done [to us] if he was able to finish the game.”Murhphey Holloway scored 28 points and had 23 rebounds to lead the Batang Pier.ADVERTISEMENT No more menthol cigarettes: New ban on tobacco, vape flavors View comments ‘A complete lie:’ Drilon refutes ‘blabbermouth’ Salo’s claims Hotel says PH coach apologized for ‘kikiam for breakfast’ claim Melindo retains jr fly title by split decision MOST READ Don’t miss out on the latest news and information. Winter storm threatens to scramble Thanksgiving travel plans read more
Parlour expects Ozil to be sold by Arsenalby Paul Vegas23 days agoSend to a friendShare the loveRay Parlour thinks Mesut Ozil will be sold by Arsenal after he was snubbed for Monday’s draw with Manchester United.The German playmaker was left out of the match-day squad altogether by Unai Emery, who explained before the 1-1 result: “Today I decided that team and that squad.”Asked about Emery snubbing Ozil, Gunners legend Parlour told talkSPORT: “We don’t know what happens behind the scenes, we don’t know the atmosphere at training and we don’t know his attitude at training.”Maybe Emery is looking at it wanting a reaction and he’s not getting a reaction, so he’s saying, ‘I’m going to go with the youngsters instead’.”He’s been brave by doing it because Ozil is a World Cup winner and he’s on a massive contract at Arsenal.”But he did probably need someone like Ozil last night to open the door for Aubameyang; he didn’t get a lot of service did he?” TagsTransfersAbout the authorPaul VegasShare the loveHave your say read more
APTN National NewsIn British Columbia, police are chasing a new angle to solve the murders of women along the province’s infamous Highway of Tears.Taxi drivers in Prince George, B.C., are being pressured to submit DNA samples to the RCMP.The drivers have been told that only a sample will eliminate them as a suspect.The highway stretches 700 kilometres from Prince George to Prince Rupert, B.C.Activist say about 30 women have been killed along the highway and many of them have been Aboriginal.The latest case was that of Cynthia Maas who was found last October.RCMP are now collecting evidence from all Highway of Tears cases, including DNA, and putting it into a central database. read more