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As they grow, the more productive the tree and the more carbon it stores. Examining tree-ring data from Europe North America and parts of Asia between 1940 and 2008 (a time with reliable weather data) researchers discovered that in trees with at least 25 years’ worth of rings these layers were thinner than usual not just in years of droughts but on average for 3 or 4 years afterward Scientists had known droughts could damage tree tissues leaving a drought legacy but they didn’t know how long the legacy lasts As they report online today in Science trees growing in drier climates such as the US Southwest fared the worst "The study represents our best understanding of how long the trees need to recover after drought disturbances at a broad range" says Yongguang Zhang an ecosystems ecologist at the GFZ German Research Centre for Geosciences in Potsdam who was not involved with the work "Drought legacy effects will reduce our carbon storage in the future" Anderegg and his colleagues do not know what leads to the prolonged downturn in growth It could be that the hydraulic system plants use to pull water into leaves breaks down "It’s a big unknown in the field as to how much plants can repair their hydraulic systems" he notes Anderegg’s team also checked predictions made by computer programs that look at the big picture: climate warming caused by rising carbon dioxide levels The most sophisticated models factor in plant growth to calculate carbon storage potential but these models were inaccurate when it came to tree growth in the regions that Anderegg and his team studied "There’s a reasonably large disconnect between reality and the models" Anderegg says That’s a little worrisome says Milena Holmgren a plant ecologist at Wageningen University and Research Centre in the Netherlands who was not involved in the research "The paper shows that current climate-vegetation models are not able to reproduce the observed legacy effects and are therefore underestimating the effects of drought on vegetation and carbon cycling" A large population of nonfertile Megalomyrmex workers, whose function had been unclear.

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Stanbic IBTC Bank (IBTC.ng) HY2015 Interim Report

first_imgStanbic IBTC Bank (IBTC.ng) listed on the Nigerian Stock Exchange under the Banking sector has released it’s 2015 interim results for the half year.For more information about Stanbic IBTC Bank (IBTC.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Stanbic IBTC Bank (IBTC.ng) company page on AfricanFinancials.Document: Stanbic IBTC Bank (IBTC.ng)  2015 interim results for the half year.Company ProfileStanbic IBTC Plc is a financial services company in Nigeria offering banking products and services for the retail, corporate, investment and wealth management sectors. The Personal and Corporate Banking division provides a full-service offering ranging from transactional accounts to residential accommodation loans, vehicle and equipment finance and instalment finance. The Corporate and Investment Banking division offers products and services for foreign exchange, fixed income and equity trading as well as transactional banking, corporate and property lending and custodial and trade finance services. The Wealth Management division provides services for investment management, pension management, portfolio management, unit trust/fund management and trusteeship services. Stanbic IBTC Holdings Plc undertakes venture capital projects and private equity investments; acts as an executor and trustee of wills and trusts; and provides agency, insurance brokerage and stockbroking services. Founded in 1989, Stanbic IBTC Holdings Plc is a subsidiary of Stanbic Africa Holdings Limited. Its company head office is in Lagos, Nigeria. Stanbic IBTC Plc is listed on the Nigerian Stock Exchangelast_img

3 reasons I’d ditch buy-to-let property and buy cheap UK shares right now

first_img 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. Don’t miss our special stock presentation.It contains details of a UK-listed company our Motley Fool UK analysts are extremely enthusiastic about.They think it’s offering an incredible opportunity to grow your wealth over the long term – at its current price – regardless of what happens in the wider market.That’s why they’re referring to it as the FTSE’s ‘double agent’.Because they believe it’s working both with the market… And against it.To find out why we think you should add it to your portfolio today… There’s a ‘double agent’ hiding in the FTSE… we recommend you buy it! Image source: Getty Images Buy-to-let property used to be a surefire way to build a sizeable financial nest egg. Unfortunately, tax and regulatory changes over the past few years means this is no longer the case. As a result, I think buying a basket of cheap UK shares could produce better returns in the long run. Today, I’m going to highlight the three reasons why I believe this is the case. 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…Buy-to-let returnsThere are two ways investors can profit from buy-to-let property. Rental income and capital gains. Many investors rely on rental income to cover mortgage payments and costs, such as decorating and emergency repairs. The income covers the day-to-day expenses, and the real profit comes from capital gains. However, over the past few years, rental yields have dropped significantly. The average rental yield in the UK is now around 3.5%, although it’s possible to achieve higher returns. At the same time, the lucrative tax breaks to that used to be available have been eliminated. All of these factors have squeezed the amount of income buy-to-let investors received. According to one study, after stripping out all costs and mortgage charges, the average buy-to-let investor receives an income of just £2,140 a year on a property worth £183,278. That’s a return of only 1.2%, excluding capital growth.Over the long term, UK home prices have increased at a rate of around 2-3%. That suggests a buy-to-let investor can look forward to a return around 3.2-4.2% every year. By comparison, over the past 100 years, UK stocks have produced an average annual return of around 7%. That’s one of the reasons why I reckon a basket of cheap UK shares could be a better investment in the long run. Buying cheap UK sharesI think the best investments to buy instead of rental property are high-quality blue-chip stocks. Some examples include healthcare giant GlaxoSmithKline and tobacco giant British American Tobacco.Both of these businesses have unique competitive advantages and economies of scale. They also currently offer significantly higher dividend yields than the average rental return on property.Glaxo supports a dividend yield of around 5% right now. Meanwhile, British American yields around 8%. Owning these equities in a Stocks and Shares ISA could also produce significant tax benefits. It’s impossible to own rental property in one of these tax-efficient wrappers. If you are not interested in picking individual equities, owning a tracker fund could be another alternative. For example, the FTSE 250 has produced an average annual return of around 12% over the past three-and-a-half decades.To replicate this return, all you would need to do is buy a low-cost FTSE 250 tracker fund. There would be no extra costs or charges, and you can buy the fund inside an ISA. The bottom lineSo those are the three reasons why I’d ditch buy-to-let property and buy cheap UK shares instead. Stocks have the potential to produce higher returns, can be owned inside a tax-efficient ISA, and are generally easier to manage. By comparison, rental property can be expensive to manage, tax-inefficient, and returns have collapsed over the past few years.  Rupert Hargreaves | Saturday, 10th October, 2020 Our 6 ‘Best Buys Now’ Shares Enter Your Email Addresscenter_img 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. See all posts by Rupert Hargreaves Rupert Hargreaves owns shares in British American Tobacco. 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Scrumgate: Solving the Irish nightmare – Paul Wallace

first_imgThe IRFU Player Succession Strategy mean that in future only one non Irish-eligible player will be allowed to play in any one position among all four provinces. This is targeted at the tighthead issue. Also, the IRFU are at last recruiting a high-performance scrum coach that should pay long-term dividends.However, what’s needed is a scrum academy with specialist mentors. As an ex-tighthead, I could help a hooker or loosehead but wouldn’t be anywhere as enlightened as someone who plied their trade there for many moons. Specialist coaches for the front-row and second-row positions are needed – with emphasis on a tighthead coach.There should also be more freedom for younger props to go overseas to get top-level experience before they hit their prime in their late 20s.This article appeared in the May 2012 issue of Rugby World Magazine.Find a newsagent that sells Rugby World in the UK. Or you may prefer the digital edition on your MAC, PC, or iPad. Would you like to sign up to Rugby World’s excellent weekly email newsletter? Click here.For Back Issues Contact John Denton Services at 01733-385-170 LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALScenter_img Ireland’s scrum problems have caught up with themThe Scrum horror of Twickenham still has the Irish front-row fraternity waking up in a sweat. For many, it was a shock that the Irish scrum could be so completely demolished but this was a long time coming, writes Paul Wallace.Though under the cosh from the start, when Mike Ross left the pitch on 36 minutes, I had my head in my hands with knowledge of what was to come. With the wet conditions, the outcome was clear to see as Tom Court jogged onto the pitch. It’s a long time since I’ve seen a game so dominated by the scrum as Ireland went back rather than up or down to stop the push.Some thought that Cian Healy or Court should have gone off ‘injured’ to bring about uncontested scrums. Ireland’s reward for doing the right thing was an incorrect penalty try by Nigel Owens as the scrum didn’t infringe – unless backpedalling at pace is an offence. But the dominant scrum gets all the calls – as Ireland did at RWC 2011 against Australia – and England were certainly that.Court shouldn’t be blamed for the complete implosion of the Irish scrum: both scrum sides disintegrated and he’s a loosehead prop who had to fill in on the much more difficult tighthead side. You should always have a tighthead on the bench as they can more easily adapt to the loosehead role. However, Ireland currently have no one to make even a half-decent fist of replacing Ross.In fact, Irish rugby has been riding its luck for years. Some thought John Hayes was irreplaceable during a decade of service but there was actually strength in depth that was never given a fair crack of the whip. Ross was sent to England due a lack of interest in Ireland. His years in London turned him into the raw material that could be moulded into a Test prop when he came back to Leinster.Outside of Ross, there’s no competition on the radar for one of the most vital positions on the pitch.Tony Buckley hasn’t come through as hoped and is off to pasture at Sale. Next in line should be Jamie Hagan but he’s not playing regularly due to being behind Ross at Leinster. Ulster’s Paddy McAllistair and Declan Fitzpatrick and Munster’s Stephen Archer are being denied big-match experience by John Afoa and BJ Botha respectively. The only tighthead to have progressed is Ronan Loughney in Connacht and he’s still quite raw.last_img

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