CRDB Bank Plc (CRDB.tz) 2007 Abridged Report

first_imgCRDB Bank Plc (CRDB.tz) listed on the Dar es Salaam Stock Exchange under the Banking sector has released it’s 2007 abridged results.For more information about CRDB Bank Plc (CRDB.tz) reports, abridged reports, interim earnings results and earnings presentations, visit the CRDB Bank Plc (CRDB.tz) company page on AfricanFinancials.Document: CRDB Bank Plc (CRDB.tz)  2007 abridged results.Company ProfileCRDB Bank Plc is a wholly-owned private commercial bank in Tanzania offering a comprehensive range of retail, commercial, corporate, treasury, premier and wholesale microfinance services. The company has an extensive infrastructure of branches, ATMs and deposit and mobile terminals and uses a vast network of Fahari Huduma agents which are microfinance agents. The retail division offers financial solutions which range from current and fixed deposit accounts to home purchase and construction loans, refinancing and cash back services. The corporate division provides financial service across the board; including documentary collection, letters of credit, guarantees, structured trade finance, treasury services and foreign exchange risk management. Established in 1996, CRDP Bank Plc has three subsidiary companies; CRB Bank Plc Burundi, CRDB Microfinance and CRDB Insurance Brokers.CRDB Bank Plc is listed on the Dar es Salaam Stock Exchangelast_img read more

I’d drip-feed £250 a month into top UK shares in an ISA to aim to retire in comfort

first_imgI’d drip-feed £250 a month into top UK shares in an ISA to aim to retire in comfort Enter Your Email Address 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. The high-calibre small-cap stock flying under the City’s radar Our 6 ‘Best Buys Now’ Shares This one also tempts me. I reckon investing in a spread of top UK shares is a great way to build wealth for my retirement, but I’m wary of paying big lump sums into the market. My concern is that shares will crash the next day, and I will be instantly down on my investment.There is a very simple way around this. I have set up a direct debit, to invest a regular monthly sum into a spread of top UK shares. This means that even if markets crash next day, I will only be down a small amount. I will then have another shot at buying more top shares the following month.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…This way, I do not have to pay attention to whether the stock market is rising, falling or whatever. I will invest my regular monthly chunk regardless. In fact, I actually benefit when share prices drop, because my monthly payment picks up more stock.I’m buying top UK sharesThis means I never have to worry about timing the market, which is a fool’s game anyway. Nobody can do it consistently, no matter how clever they think they are.There is another advantage to investing regular sums in the market. Once I have set up a direct debit, I can forget about it, more or less. That money automatically comes out of my account, so I don’t even notice it. That makes investing easier and less painful. I’ll invest using my Stocks and Shares ISA allowance, so I don’t have to pay income tax and capital gains tax on my returns.I’m still 15 years away from retirement. If I invest £250 a month, and my portfolio of top UK shares grows at 6.5% a year after charges, that money will grow to £77,262 by the time I stop working. I don’t think that’s enough to retire on comfortably, even with my state pension entitlement. Fortunately, I have other retirement funds in a spread of pensions and tax-free ISAs.I’m investing lump sums tooThat said, I am beginning to get worried. They say retirement creeps up on you, and in my early 50s I am discovering the truth of this. Suddenly, it doesn’t seem that far off, so I will be doing something else on top of my £250.Whenever I have a lump sum to hand, I plan to buy more top UK shares. I’m happy to invest lump sums of up to £1,000, as it shouldn’t hurt too much if markets crash next day. I will simply hold on for the long term, then the recovery should come.Like many people, I have been spending way less than usual during the pandemic. While I’ll enjoy a few trips to the pub and a holiday one day – when allowed – I am directing most of my savings into the stock market. I’m on the hunt for top opportunities today. As I explain here, I think banks, mining companies, household goods companies and pharmaceutical shares are among the top UK stocks to buy right now. Click here to claim your copy of this special investment report — and we’ll tell you the name of this Top Small-Cap Stock… 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. Harvey Jones | Thursday, 11th February, 2021 Harvey Jones has no position in any of the shares mentioned. 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. Adventurous investors like you won’t want to miss out on what could be a truly astonishing opportunity…You see, over the past three years, this AIM-listed company has been quietly powering ahead… rewarding its shareholders with generous share price growth thanks to a carefully orchestrated ‘buy and build’ strategy.And with a first-class management team at the helm, a proven, well-executed business model, plus market-leading positions in high-margin, niche products… our analysts believe there’s still plenty more potential growth in the pipeline.Here’s your chance to discover exactly what has got our Motley Fool UK investment team all hot-under-the-collar about this tiny £350+ million enterprise… inside a specially prepared free investment report.But here’s the really exciting part… right now, we believe many UK investors have quite simply never heard of this company before! See all posts by Harvey Jones Image source: Getty Images last_img read more

Urban Cottage / CoLab Architecture

first_imgArchitects: CoLab Architecture Area Area of this architecture project “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/806240/urban-cottage-colab-architecture Clipboard Save this picture!© Stephen Goodenough+ 27 Share 2016 Projects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/806240/urban-cottage-colab-architecture Clipboard Year:  Photographs:  Stephen Goodenough Manufacturers Brands with products used in this architecture project Urban Cottage / CoLab Architecture “COPY”center_img CopyHouses•Christchurch, New Zealand New Zealand ArchDaily Urban Cottage / CoLab ArchitectureSave this projectSaveUrban Cottage / CoLab Architecture Area:  80 m² Year Completion year of this architecture project Manufacturers: Serralunga, Simon James Design, CoolColour, Prime Panels, RaftjackOther Participants:Hayley SmithArchitects In Charge:Tobin Smith, Blair PatersonCity:ChristchurchCountry:New ZealandMore SpecsLess SpecsSave this picture!© Stephen GoodenoughRecommended ProductsDoorsJansenDoors – Folding and SlidingDoorsSky-FrameInsulated Sliding Doors – Sky-Frame ArcDoorsStudcoAccess Panels – AccessDorDoorsC.R. LaurenceCRL-U.S. Aluminum Entice Series Entrance SystemText description provided by the architects. The idea of the ‘Urban Cottage’ stems from a shared fascination between the Architect and Client with early colonial workers cottages, and an appreciation for the charm and scale they offer to the existing urban context of Central Christchurch.  Traditionally these buildings were small in scale but rich in volume, constructed using basic materials that were readily available at the time.  The design process would evolve this idea to create a small contemporary stand-alone-house to accommodate a young professional family that, unlike it’s historic predecessor, would orientate toward northern sun and open to external connections – a house that would speak of its colonial reference while adapting to its Pacific environment.  On top of this it would need to be strong (due to high seismic activity in the Canterbury area), clean lined and cost effective to construct.Save this picture!Cross SectionSave this picture!Floor PlanSave this picture!Cross SectionDriven by a small 20m long x 10m wide building site, the square floor plan of the traditional workers cottage is split in two and rotated to form a rectilinear layout.  These two forms are further offset to accommodate a vehicle park to the south and an outdoor living space to the north, providing access to all day sun to the main living spaces.  The ‘back-of-house’ lean-to that features in many historic cottages is elevated and capped with a translucent roof to create shelter for the vehicle park and covered pedestrian entry, while allowing sunlight to pass through.  Internally the ever-present central entry hall remains, forming a transition space and visual buffer between public living and private sleeping spaces.  Steep gabled roofs and high-pitched ceilings are deployed to create a sense of space that seems to exceed its modest 80m2 footprint.  High-level windows to the west façade draw in late afternoon sun and capatilise on a reduced boundary setback regulation.  Subtle references to the traditional materiality of the colonial cottages are translated in a contemporary fashion, such as timber weatherboard wall cladding, expressed window surrounds and recycled timber flooring.  The dark black exterior is contrasted by a bright white interior, executed with absolute discipline to the monochromatic theme.  Birch faced plywood is used in a natural state to face all joinery elements, which includes a space-saving storage partition between the living spaces and the main entry hall.Save this picture!© Stephen GoodenoughProduct Description. The historic Christchurch Workers Cottage was traditionally clad in brick of horizontal timber weatherboards. Given the poor soil quality of this particular site and the high seismic activity in the Canterbury area, a lightweight cladding system had to be used. The Architect selected a square profiled Western Red Cedar vertical Shiplap weatherboard (by Herman Pacific) to reference the traditional building materials, while giving the house a more clean and contemporary aesthetic. The exterior was then stained in Resene Waterborne Woodsman CoolColourTM tinted to ‘Pitch Black’. Resene CoolColourTM technology was used to minimise heat build up created by the dark colouring, in turn reducing movement of the timber wall cladding.Save this picture!© Stephen GoodenoughProject gallerySee allShow lessThe Turn House / ArchitectonSelected ProjectsSinergia Cowork Palermo / Emilio Magnone + Marcos GuiponiSelected Projects Share Photographs Houses CopyAbout this officeCoLab ArchitectureOfficeFollowProductsWoodSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesChristchurchNew ZealandPublished on February 28, 2017Cite: “Urban Cottage / CoLab Architecture” 28 Feb 2017. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogPanels / Prefabricated AssembliesTechnowoodGRP Siding Façade SystemPlasticsMitrexSolar SidingMetal PanelsAurubisCopper Alloy: Nordic RoyalSystems / Prefabricated PanelsKalwall®Translucent WalkwaysPanels / Prefabricated AssembliesIsland Exterior FabricatorsSpecialty Facade SystemsLightsLouis PoulsenLamps – LP Slim BoxWoodBruagAcoustic Panels with LEDTiles / Mosaic / GresiteHisbalitMosaic Tiles – Palm SpringsMineral / Organic PaintsKEIMBlack Concrete – Concretal®-BlackSuspension SystemsMetawellAluminum Panels for Smart CeilingsDoorsGorter HatchesFloor Door – Fire RatedBricksDEPPEWaterstruck Bricks – 1622/1635ekws DFMore products »Save想阅读文章的中文版本吗?新西兰基督城城市小屋设计 / CoLab建筑事务所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 streamlast_img read more

Midwest Farm Debt Accumulating

first_img SHARE The Kansas City Federal Reserve Bank Thursday announced farm debt in the Midwest is increasing. In the first quarter of 2016, the bank says loan demand continued to rise, repayment rates continued to weaken, and almost all district bankers under the KC Fed Bank reported that farm income declined. The Bank released its Ag Credit Survey, which says that, although cash rents declined modestly, production costs have remained high and many producers reduced both capital and household spending to cut costs. Farmland values also moderated slightly and were expected to remain under pressure in the coming year. Through the first quarter, survey respondents reported three full years of increasing loan demand amid reduced profits.Bankers noted that poor cash flow prevented many borrowers from paying off loans from the previous year, causing them to carry outstanding debt into the first quarter. Further, bankers noted that more than 18 percent of loans made in the first quarter involved restructuring existing debt to meet short-term liquidity needs.Souce: NAFB News Service Midwest Farm Debt Accumulating Facebook Twitter Facebook Twitter By Hoosier Ag Today – May 13, 2016 Home Indiana Agriculture News Midwest Farm Debt Accumulating SHARE Previous articleClosing CommentsNext articleEthanol Production Increases Hoosier Ag Todaylast_img read more

Journalist suspects state governor of ordering petrol bomb attack against his home

first_img Follow the news on Mexico Organisation MexicoAmericas May 5, 2021 Find out more News Reporters Without Borders condemned a petrol bomb attack on the home of journalist Manuel Acuña López, reporter on the local daily Por Esto, in Mérida, Yucatán state.“We demand that the authorities do their utmost to identify and punish those who carried out and those who instigated this crime,” said Reporters Without Borders. “We call on members of the government in Yucatán and particularly on Patricio Patrón Laviada, the governor, to take effective steps to protect the media,” the press freedom organisation added.“We also urge them to allow journalists freedom of movement and expression which is essential for them to carry out their work.”Acuña López himself publicly accused the state governor Patricio Patrón Laviada of being implicated in the 21 June overnight attack on his home which started a fire, destroying walls and doors and wrecking a vehicle parked outside.His wife and children suffered severe shock and smoke inhalation. Local residents managed to put out the fire. The journalist had received several warnings from the governor after he wrote articles exposing alleged corruption and nepotism within his administration. He also wrote an editorial revealing that he had been advised a few days previously to “moderate” some of his reports that were likely to harm state officials. MexicoAmericas Help by sharing this information to go further RSF_en May 13, 2021 Find out morecenter_img Reports Receive email alerts News NSO Group hasn’t kept its promises on human rights, RSF and other NGOs say June 29, 2006 – Updated on January 20, 2016 Journalist suspects state governor of ordering petrol bomb attack against his home 2011-2020: A study of journalist murders in Latin America confirms the importance of strengthening protection policies News Reporter murdered in northwestern Mexico’s Sonora state April 28, 2021 Find out morelast_img read more

Evangelical church loses two more lawsuits against São Paulo daily

first_img BrazilAmericas Organisation News RSF_en Follow the news on Brazil BrazilAmericas The daily paper A Folha de São Paulo and one of its reporters, Elvira Lobato, is facing about 50 individual suits filed in more than 20 of the country’s states after she wrote about the church’s finances. The Rio de Janeiro daily Extra and its editor, Bruno Thys, and the Salvador de Bahia (northeastern Brazil) daily A Tarde and one of its reporters, Valmar Hupsel Filho, have had 40 suits filed against them for reporting that a IURD member defiled a Catholic religious image. “Press freedom allows anyone to respond to what they consider defamation, but such a concerted legal campaign is different from normal defence,” the organisation said. “Why has the IURD not filed a single lawsuit against each paper? The mass individual litigation looks like concerted harassment of the media. A religious argument is also not valid in the suit against A Folha de São Paulo. We declare our support for the three newspapers.” Lobato reported in A Folha de São Paulo last 15 December about the hugely-wealthy IURD’s links with tax havens. She did not name any church member or discuss its doctrines. But some 50 IURD members said their religious beliefs were “insulted” and each filed a lawsuit. The paper says the scattering of the cases over many states all at the same time makes an effective defence impossible. The judiciary has rejected the papers’ request for the suits to be merged into one. However Lobato and A Folha have already won five of the cases.The 35 complaints filed against A Tarde and Hupsel Filho and the five against Thys and Extra follow reports in the two papers last December of the defiling of a Catholic image in a Salvador de Bahia church. The IURD says the reports amounted to “incitement to hatred” of its followers. The IURD TV station TV Record attacked the daily O Globo this month (17 February) for calling the IURD a sect. The station screened a photo of Lobato.Brazilian journalists have backed the three papers. President Luiz Inácio Lula da Silva said on 19 February that “press freedom means the press can write what it likes but also allows those who think they have been wronged to take legal action to prove their innocence.” News April 27, 2021 Find out more to go further RSF begins research into mechanisms for protecting journalists in Latin America Receive email alerts Reports Help by sharing this information News May 13, 2021 Find out more April 15, 2021 Find out more February 26, 2008 – Updated on January 20, 2016 Evangelical church loses two more lawsuits against São Paulo daily 2011-2020: A study of journalist murders in Latin America confirms the importance of strengthening protection policies A Folha de São Paulo won two more court victories on 22 February against the Universal Church of the Kingdom of God (IURD), one of Brazil’s most influential evangelical churches, which has launched around 60 lawsuits against the daily in a total of 20 states. The newspaper already won five of these cases, which were prompted by an article in December about the church’s sizable assets. The actions have all been brought by individual members of the church, who claim the article “offended” their religious sentiments.One of the two latest cases was in Tarauacá, in the western Amazonian state of Acre, where judge Romário Divino Faria ruled that IURD member Cléber Andrade dos Santos “was not offended on an individual basis.” In Cianorte, in the southern state of Paraná, judge Fabiano Berbel dismissed the suit brought by Jackson Luis Gonçalves. Two other daily newspapers, the Rio de Janeiro-based Extra and the Salvador da Bahia-based A Tarde, have meanwhile been the target of 40 lawsuits over their reports of a case in which an IURD member profaned images in a Catholic church in the northeastern state of Bahia.All these lawsuits have been brought under a 1967 press law under which journalists can be imprisoned for defamation and insulting comments. Inherited from the former military dictatorship, the law has effectively lapsed. Federal supreme court judge Carlos Ayres Britto suspended application of 20 of its 77 articles on 21 February in a ruling issued independently of the IURD lawsuits. His decision, which is awaiting confirmation by the court in a plenary session, could speed the adoption of a bill presented in December by federal parliamentarian Miro Teixeira that would completely overturn the provisions of the 1967 law.Reporters Without Borders welcomes the latest rulings in favour of A Folha de São Paulo and, like Brazil’s journalists’ organisations, hopes that the Teixeira bill will be quickly debated and adopted.————————–21.02.08 – Unjustified lawsuits by church against press condemnedReporters Without Border today condemned the “harassment” of three journalists and their newspapers by followers of the Brazil-based evangelical Universal Church of the Kingdom of God (Igreja Universal do Reino de Deus – IURD), who have filed dozens of lawsuits against the media. Alarm after two journalists murdered in Brazillast_img read more

Spicy cod fillets with prunes and chive mash

first_imgPrint Previous articleLimerick has become forgotten region, claims TDNext articleSix months in prison for assaulting gardai admin Linkedin WhatsApp Fish, love it or hate, you can not deny that it makes for the perfect fast food and in the chill of a cold evening when you crave some hearty comfort food but the time to create a full bodied heavy meat stew is not to hand, why not give this dish a go. The dish can be completed in the length of time that it takes to boil the potatoes and mash them…WHAT YOU NEEDSign up for the weekly Limerick Post newsletter Sign Up 1kg of potatoes peeled and chopped4 eggs4 skinless cod fillets1 tsp curry powder1 tbsp olive oil2 tbsp freshly chopped chives60g prunes chopped2 tbsp natural yoghurtWHAT TO DOCook the potatoes in a pan of boiling water until tender. Meanwhile poach the eggs in another pan of rolling boiling water and keep warm. Sprinkle the cod fillets with the curry powder and rub all over, on both sides of the fish. Heat the oil in a large frying pan and cook the cod fillets for 4-5 minutes on each side until cooked through. Mash the potatoes with the chives, then mash in the prunes and natural yoghurt. Serve the fish on a bed of mash, topped with a poached egg. Emailcenter_img NewsSpicy cod fillets with prunes and chive mashBy admin – January 26, 2010 571 Facebook Advertisement Twitterlast_img read more

Double-murder suspect jumped out of freezer, attacked staff at New York City restaurant Sarabeth’s

first_imgiStock/Thinkstock(NEW YORK) — A double-murder suspect who had just been released from a Boston jail was hiding in the freezer at popular Upper West Side restaurant Sarabeth’s in Manhattan during the busy Sunday brunch rush.He walked out of the freezer and tried to attack employees with a knife. They were able to avoid harm and subdue the 54-year-old Arizona man, who collapsed on the kitchen floor.“Our team handled the incident bravely and effectively,” a manager at the restaurant, Sarabeth’s, told ABC News.When police responded to the call around 11 a.m. on Sunday, he was unconscious and unresponsive in the kitchen. The man, later identified as Carlton Henderson, was transported to St. Luke’s Roosevelt Hospital where he was pronounced dead, police told ABC News.Sarabeth’s had been open for three hours before the attack occurred, but was closed while police investigated the incident. The manager said he is grateful that no one was injured. The restaurant is open again and serving customers.It is not known how or when Henderson gained access to the restaurant’s freezer. Police are investigating the incident and a medical examiner will determine his cause of death.Henderson of Cave Creek, Arizona, had been incarcerated in Boston until last week. He was the prime suspect in a cold-case double murder from 30 years ago.Henderson was charged in June 2017 with two counts of first-degree murder for the 1988 killings of William Medina and Antonio Dos Reis in Roxbury, Massachussetts, and arrested that same month. He had been transferred to Boston where he was awaiting trial.A Massachussetts judge released Henderson Wednesday on procedural grounds, after his defense attorney successfully moved to suppress evidence. He was due back in court next week.Copyright © 2018, ABC Radio. All rights reserved.last_img read more

EDITORIAL: Lack Of Ethics Of Hillary Rodham Clinton

first_imgThe City-County Observer wish to preface this editorial with the disclosure that it is not to be construed as an endorsement for any other presidential candidates in either the primary or general election. It is meant only to convey our concerns about the lack of ethics of the candidate who is the subject of this editorial, Hillary Rodham Clinton.We have been stunned by the hypocrisy displayed by former Secretary of State Hillary Clinton as it relates to her defense of the $625,000 fee she received for a speech given by her by the Wall Street firm, Goldman Sachs. Her first reaction to questions about why she accepted more money for a one-hour speech than some Americans earn in their entire working lives was very telling. Her reply to the question was a rather exasperated, “Well, that’s what they offered!”  She apparently would have accepted a million dollars or more with a clear conscience if it had been offered. That reaction sends an elitist message to people who are working two jobs to just scrape by, to displaced workers who lost their homes in the Great Recession, and to Seniors Citizens who are now forced to choose between paying for utilities or needed medicine.We find it hard to believe that Secretary Clinton is genuinely surprised to see that her acceptance of such a huge speaking fee raises questions about where her loyalties would lie if she were President after she accepted the $625,000 speaking fee from Goldman Sachs a one hour speech.While saying such a thing was politically unwise, we think it is only the tip of the iceberg when we examine the former Secretary of State’s financial history.  According to Mrs. Clinton’s most recent book she left the White House, “broke.”   She claimed  they were $5 million in debt, when they left the White House because of legal expenses they incurred during Bill Clinton’s presidency?  We also find it extremely interesting that the $1.7 million house in Chappaqua, NY. the Clinton’s live in was generously financed for them by their friend, Terry MacAiliffe, who is now the governor of Virginia.It is amusing to see the Clinton campaign’s flustered attempts to change the conversation from her speaking fees and some of the questions about the riches accumulated by her husband not-for-profit foundation to other issues. She has now trotted out former Secretary of State Madeleine Albright to attempt to shame women into supporting her just because she is a woman. We doubt that doing that is going to turn the tide in her favor, and it seems that she fails to recognize the hypocrisy of that argument, as well. Gender loyalty should not enter into the decision to vote for the person that a voter chooses to lead this country.It was expected that the primary election would amount to a “coronation” and she would be meeting Jeb Bush in the general election. Such a match-up would have made big donors a non-issue, as both candidates would have them in equal amounts. The reality is very different from what it was expected to be, so now she is very justifiably on the defensive on this issue, and not handling it at all well.Finally,  we wonder how much Hillary campaign committee have received for helping with the Bill Clintons multi-million not-for-profit charitable Foundation?  Our guess is that she has received many million of dollars over the years for helping this Foundation.FacebookTwitterCopy LinkEmailSharelast_img read more

Max out your snacks

first_imgWorking, commuting, exercising or hobbies whatever the activity, it all takes energy. So how and where do customers find a much-needed boost? The first part of the answer can be found in a ’snack’ a food portion that is smaller than a regular meal, eaten between main meals and often on-the-go. If the right snack is eaten at the right time it can even out hunger spikes, give a boost between meals, and provide nutrition.So how much do we snack in the UK? Mintel’s consumer research, Consumer Snacking UK (June 2010), found that nine out of 10 Brits eat snacks between meals; half of us have a snack at least once a day. Women are more prone to grab a snack when hunger strikes, with nearly three-quarters of women (73%) reaching for a snack compared to just over half of men (59%). Likewise, over two-thirds (68%) of manual workers reach for a snack when hunger hits, compared to 59% of retail workers. Half of us admit to feeling guilt after eating a between-meal snack, and women have far guiltier consciences than men at 61% versus 38%.Considering choicesAre you capitalising on these sales opportunities? When asked how much thought is given to the sort of food snacked on between meals, 67% of people answered ’a little’. Most people like to first assess what is available and then decide if they want to eat it.If asked, ’what do you snack on most often?’, the top answer is often chocolate at 36% for men and 32% for women, who also rate fruit at 32%. Is this because chocolate is easier to find on the high street?What are the latest trends in the snack market and what format do customers look for? Snacks mean different things to different people and come in various forms, ranging from fresh products to packaged and processed foods.As well as freshly baked products, packaged snacks such as crisps can mean significant business and complement the core range. What do you have in your selection? Snack foods need to be portable, quick and satisfying. Your customers might come in looking for snacks ranging from a sausage roll to a piece of fruit to a muffin. Do you cater for their snacking needs?It is important not to forget there is an ever-growing demand for healthier eating options. As customers are shifting more and more to healthier foods, there is a need to focus more on the premium ingredients and nutritional benefits of your product range. Make sure to include some form of snack that is low-fat, low-salt, rich in fibre or a natural product.Consider expanding the range with some top-selling healthier snacks: dried fruit, mixed raisins and seeds, grapes, granola, low-fat crisps or skinny muffins to name just a few.Liquid assetsWhat about soup? It meets both needs. With the current demand for healthier options driving a decline in some traditional snacks, soup is an ideal choice. Soup is perceived as a healthier and lower-calorie solution that can be eaten as a top-up in either summer or winter.According to Mintel’s Soup UK (May 2010) report, fresh soups account for a quarter of all soup sales, from which a fifth of consumers consider that fresh soups are better quality than tinned ones. But how do you provide soup to customers as a snack on the move? It is vital to provide customers with suitable packaging specially designed for on-the-go consumption, such as cups.Remember that snacks are not meant to be entire meals. So it is fundamental that you offer snack items that are both convenient and portable snacks to your customers.last_img read more