Over the last five years Camelot has done little to ingratiate itself with lottery players. First it doubled the price of National Lottery draws to £2 in 2013, then it slashed the odds of winning by increasing the number of balls back in 2015.Throw in the increase in the price of EuroMillions tickets in 2016 and increased competition from more innovative operators such as the Health Lottery and Lottoland, and it’s hardly surprising the incumbent operator has experienced a steady slump in sales.The 2017/2018 financial year saw something a turnaround, which even Camelot wasn’t expecting if comments made by its CEO Nigel Railton are to be believed. It had already taken some action to reverse the decline in sales following its strategic review last year and earlier this month it announced some further tinkering around the edges of the main games.More interestingly, however, it also announced the planned launch of an annuity game next spring. Though it hasn’t divulged much detail on the proposed product, it says the top prize is likely to be “thousands of pounds every month for at least 25 years”. Although Camelot says the game is an “entirely new proposition” to its portfolio, it acknowledges it isn’t a new concept.“We’ve been closely examining what is done in other countries where this type of game is hugely popular – particular in the US and Australia,” says James McGrath, communications manager at Camelot. “These types of games appeal to people who dream of lifelong financial security. This is why we believe it will round off our portfolio perfectly, enabling winners to benefit from a regular, fixed amount of money over a set number of years.”Playing catch-up While the forthcoming game may be the first in the UK from an official lottery, both Lottoland and Zeal Network’s MyLotto24 already offer punters the chance to bet on US annuity lottery Cash4Life, with a top prize of £1,000 per day for the rest of the winner’s life. “This is not innovation from Camelot, it is them playing catch-up,” comments Nigel Birrell, CEO of Lottoland.The question is, could an annuity lottery allow Camelot to catch up when it comes to where it wants its sales to be? Indications from the secondary lottery providers are promising.Lottoland was the first secondary lottery operator to offer bets on Cash4Life in the UK, launching its product back in April 2016. Of its performance so far, Birrell says: “Cash4Life is one of our consistently steadily performing jackpot offerings, not as popular as our leading products but definitely a core part of our overall product portfolio.”MyLotto24 began offering bets on the lottery in the middle of last year. Blerina Essen, managing director of MyLotto24, says it is also happy with its performance so far. “It is a very good product, it is growing very much organically — we are already in multimillions in revenue and we are increasing double digits in month-on-month growth.”Interestingly, she says most of the customers betting on Cash4Life with MyLotto24 are using subscription products, suggesting it may attract a more loyal following than lump sum jackpot draws, which many only play when the prize has reached a certain level.Millennial magnet? There’s also a possibility annuity lotteries could help attract more of the much-coveted millennials. “Those at the younger end of the spectrum see the value in winning £1,000 per day for life,” says Birrell. “If you take a 25-year-old and take the average life expectancy of 80 years, they would win over £20m over their lifetime.“Not surprisingly those in the age brackets 18-23 and 24-30 over-index against the average lottery demographic and our silver surfers under-index here.”Indeed, when a Canadian woman won a lottery draw she entered to mark her 18th birthday in March this year, she made international headlines after being given the choice of a $1m lump sum payout or $1,000 per week for the rest of her life – many North American lotteries offer the choice of a lump sum or an annuity. She chose the weekly sum after taking advice from a financial adviser. Financial security is a big attraction for players of all ages, says Essen. “It doesn’t change your lifestyle as much as a big jackpot, but you have that cash comfort, that is why people like it.“When you win 100m or something like that, you could blow it away as some people don’t manage money that well. Therefore people prefer to have this comfort that they can still have their own lifestyle, but maybe have a different job or have their own company.”Birrell adds that Cash4Life also has better odds than many other games. “As Cash4Life has a format of match five from 60 and then for the CashBall one from four, the odds to win the jackpot are very attractive at one in 22m – that’s more than twice as good as UK Lotto at one in 45m and substantially lower than the pan European giants — one in 139m of the EuroMillions or one in 95m on the EuroJackpot.”Many a cynical commentator has also noted that annuity winners are able to largely avoid the demands for money that lump sum winners tend to attract from long-forgotten friends and family.It seems then that for a variety of reasons, annuity lotteries do appeal to a certain group of players. But whether or not Camelot’s offering will be a success remains to be seen.If it is, a likely side effect will be an uptick in sales for secondary lotteries. Although they will not be able to offer bets on Camelot’s product, the increased awareness of the annuity concept among UK and European players — an annuity lottery has also recently been launched in Germany — will probably see more players wanting to place bets on products such as Cash4Life.“Definitely we will get quite a lot of sales from it,” says Essen. “The products that are pushed through external advertising perform much better than other products that are not as known in certain countries.”She highlights Australia, for example, as one of the areas where Cash4Life has been particularly popular with MyLotto24 players, which she puts down to annuity lotteries being offered by official lotteries in Australia.Another bonus for the secondary lotteries is insurance savings – neither Lottoland nor MyLotto24 insure bets on the products, presumably because the winnings are easily able to be paid from their profits in the relatively unlikely event of a winner, although it’s worth mentioning that MyLotto24 had a second prize winner — who receives £1,000 per month — on Cash4Life in the first week it offered the product.As well as alienating players with its game changes in recent years, Camelot has also cultivated a rather hostile relationship with secondary lottery operators. Ironically, in this latest attempt to appease the former it may well be the case it ends up providing a boost for the latter.Related articles: Camelot pledges higher prize payouts on National Lottery Camelot reveals record UK National Lottery digital sales Selling the dream: lottery providers cash in on jackpots Are experiences the key to getting millennials to play lottery? AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter Joanne Christie explores the impact Camelot’s planned annuity lottery and the impact that paying out in instalments, rather than a lump sum, could have on the wider market 17th September 2018 | By Hannah Gannage-Stewart Lottery Annuity lotteries: will they take off in Europe? Topics: Lottery Regions: Europe Subscribe to the iGaming newsletter Email Address
RW RATING 4/5 BUY IT AT: acblack.comA&C Black £14.99 LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS By way of an introduction, we’re told of the young prop who became tall and light and wasn’t suited to his position – so he quit the game. So lesson one is encourage youngsters to play in different positions and lesson two is follow these guidelines on positional skills as written by eight RFU coach development officers.There are numerous practices to help you develop the skills needed – and note that scrums should be practised under game levels of fatigue to ensure the same attention to detail – and among the games are some for bigger groups to highlight elements like defensive patterns and exploiting back-line space. And here’s a tip from Rugby World – if you want to be a wing, remember that left-wings score more tries because most players are better at passing from right to left!
Houses “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/565848/tetris-house-studiomk27 Clipboard Photographs Year: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/565848/tetris-house-studiomk27 Clipboard ArchDaily Projects Photographs: Fernando Guerra | FG+SG Manufacturers Brands with products used in this architecture project Save this picture!© Fernando Guerra | FG+SG+ 50 Share Architects: Carolina Castroviejo, Studio MK27 – Marcio Kogan Area Area of this architecture project “COPY” Brazil 2012 Tetris House / Studio MK27 – Marcio Kogan + Carolina CastroviejoSave this projectSaveTetris House / Studio MK27 – Marcio Kogan + Carolina Castroviejo Tetris House / Studio MK27 – Marcio Kogan + Carolina Castroviejo Area: 620 m² Year Completion year of this architecture project Products used in this ProjectWindowspanoramah!®ah!38 – FlexibilityInteriors:Diana RadomyslerStudio Team:Eduardo Glycerio, Gabriel Kogan, Lair Reis, Mariana Simas, Oswaldo Pessano, Renata Furlanetto, Samanta Cafardo, Suzana GlogowskiLandscape Designer:Renata TilliContractor:Luis Esteves Caldas NetoStructure Engineer:Pinto Rodrigues Engenharia EstruturalSite Area:817 sqmArchitect In Charge:Marcio KoganCo Architect:Carolina CastroviejoProject Team:Fernando Falcon, Maria Cristina Motta, Mariana RuzanteCity:São PauloCountry:BrazilMore SpecsLess SpecsSave this picture!© Fernando Guerra | FG+SGText description provided by the architects. A wooden volume in line with the eastern façade – with a little more 2.85m high and 19m long – rests within a ceiling height of 5.15m and 11.75 in the front. Configuring a permeable space between the entrance and the back of the lot, the living room is the emptiness that results from this organization of the plan on this lot. The space is delimited – together with the eastern façade – by a wooden shelf that contains the library and a fireplace. This is the architectural design of Tetris House, located in São Paulo.Save this picture!© Fernando Guerra | FG+SGThe wooden Box on the lot shelters on the inside, the washroom, the stairs and the dining room, which opens entirely to the ample garden in the back, like an esplanade (terrace), looking from the inside in. (de dentro para dentro) The ceiling of this living room, a slatted wooden lining – creates a cozy, intimate sensation, contrasting with the spatial sensation of larger monumentality of the lot. The four bedrooms, including a master suite looking out to the garden in the back, are on the floor upstairs.Save this picture!SectionThe seals – such as the wooden slats that function as a filter applied to movable panels– were designed to create greater comfort for the inner spaces. The sun’s heat, when the panels are closed, is retained by this type of brise soleil, while the wind continues to chill the inside. The shape of the lot, long and straight, has traced a longitudinal implantation of the house and the living room can have a cross-ventilation to the gardens.Save this picture!© Fernando Guerra | FG+SGThe wooden lining of the ground floor is prolonged to the outside and becomes the very façade. The stone on the floor of the living room goes out to the terrace and the same material on the inner walls continues out to the façade. In this way, there is continuity not only of the circulation between the inside and out, but also of the materials, dissolving spatial limits.Save this picture!© Fernando Guerra | FG+SGProject gallerySee allShow lessCoalimex / G8A Architecture & Urban PlanningSelected ProjectsMinoyanagi House / TABSelected Projects Share CopyHouses•São Paulo, Brazil Manufacturers: panoramah!® Products translation missing: en-US.post.svg.material_description CopyAbout this officeStudio MK27OfficeFollowCarolina CastroviejoOfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesFernando GuerraSao PauloFG + SGSão PauloBrazilPublished on November 18, 2014Cite: “Tetris House / Studio MK27 – Marcio Kogan + Carolina Castroviejo” 18 Nov 2014. ArchDaily. Accessed 11 Jun 2021.
Workshop Projects “COPY” Portugal Photographs: Filipe Brandão Collaborators:Alexandra Pimentel TeixeiraConstruction:Ricardo Dias Pinto, Alexandra Pimentel Teixeira, Rui FerreiraConstruction Collaborators:Paulo Pinto, Vitor Castro, Rui Pinto, Bárbara FerreiraArchitect In Charge:Ricardo Dias PintoCity:PortoCountry:PortugalMore SpecsLess SpecsSave this picture!© Filipe BrandãoText description provided by the architects. The Nest is an inner recovery of a space originally designed for studio or workshop. Since its genesis [1959-1963], this space was used as a photographic studio, rehearsal room, and others …Save this picture!© Filipe BrandãoThe program was compatible a workspace, the “hoffice”, a small crafts workshop, and a room for meditation, yoga and massage, able to develop an indivisible relationship with space for second homes [alcove and kitchen], a space with just over 60.0 m2.Save this picture!Floor PlanThe approach to design and construction was largely developed in self-built system. Guided by the enthusiasm to explore and overcome the challenges of renewal, we developed an idea of appropriation of space, which retain a reading of the pre-existence, capable of dealing peacefully with the luminosity of wood and cork chromatism.Save this picture!© Filipe BrandãoThe aim was to learn, putting in place a sustainable design of architecture in construction, using natural raw materials, mainly wood and cork, that an articulated but also something primary form, develop a living space warm, serene and open, within the architectural space now renovated.Save this picture!SectionThe Nest project took place within a great love, full of complicity, dedication and companionship, is a work of joint authorship, two eternal companions who now devise other destinations. For all I am eternally grateful to you, Alexandra.Save this picture!© Filipe BrandãoProject gallerySee allShow lessArchitecture Software Tutorials: Which Are The Best Out There?ArticlesArchDaily Editors Select 20 (More) Amazing 21st Century MuseumsArchitecture NewsProject locationAddress:Porto, PortugalLocation to be used only as a reference. It could indicate city/country but not exact address. Share Save this picture!© Filipe Brandão+ 30 Share Oporto Loft / hoffice | Property AdvisorsSave this projectSaveOporto Loft / hoffice | Property Advisors CopyWorkshop, Loft, Offices•Porto, Portugal Oporto Loft / hoffice | Property Advisors Architects: hoffice | Property Advisors Area Area of this architecture project ArchDaily ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/631186/oporto-loft-hoffice-property-advisors Clipboard Area: 60 m² Area: 60 m² Photographs ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/631186/oporto-loft-hoffice-property-advisors Clipboard “COPY” CopyAbout this officehoffice | Property AdvisorsOfficeFollowProductsWoodBrick#TagsProjectsBuilt ProjectsSelected ProjectsIndustrial ArchitectureWorkshopResidential ArchitectureHousingLoftOfficesPortoOfficesIndustrial ArchitectureHousingResidentialPortugalPublished on May 18, 2015Cite: “Oporto Loft / hoffice | Property Advisors” 18 May 2015. ArchDaily. Accessed 11 Jun 2021.
Romania 2015 “COPY” ArchDaily Architects: ADNBA Area Area of this architecture project CopyAbout this officeADNBAOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingRomaniaPublished on October 29, 2017Cite: “Aaron Florian Housing / ADNBA” 29 Oct 2017. ArchDaily. Accessed 11 Jun 2021.
Howard Lake | 21 October 1999 | News The first UK charity to accept secure online credit card donations was The Globe Theatre, which started receiving donations of up to £500 over four years ago in September 1995. Four years is that magic period that probate analysts Smee and Ford suggest is the minimum time in which a legacy campaign might be expected to start to yield results.If UK charities had started to use their Web sites to encourage legacies back in 1995 then they should now in theory start to enjoy some serious return on their Web site investment.UK Fundraising looks forward to reporting on the first UK charity to receive legacy income resulting from an online promotion of legacy giving. Time for online legacies 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. Advertisement AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 14 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis
Solidarity was on display when striking nurses and service workers rallied together outside the Thompson Center in Chicago on Sept. 18 to demand Gov. J.B. Pritzker support them in contract talks with the University of Illinois-Chicago and UI Hospital, Health and Sciences System. Labor union and community supporters turned out in unity with the strikers at the over 1,000-strong demonstration.#Strike for our Lives demonstration in Chicago on Sept. 18 by nurses and other hospital workers.A confluence of factors pushed these workers to strike: Antilabor edicts by the Trump administration, anti-union rulings by the Supreme Court, COVID-19, management’s intransigence during negotiations in denying higher wages, safety measures and insufficient staff in the midst of a viral pandemic.Considered “essential workers,” the strikers are on the front lines dealing with COVID-19. Many are working without proper protective equipment, risking their own and family members’ health and lives. High on their list of demands is that management prioritize the protection of all employees from this contagious disease. As of Sept. 16, 270 UIC workers have been infected, and four have died due to lack of PPE.Over 800 nurses, represented by the Illinois Nurses Association, struck for seven days beginning Sept. 12, demanding adequate staff and PPE. Antilabor UIC officials got a court injunction to prevent 500 other nurses from striking, and they brought in strikebreakers. Negotiations continue.Then, over 4,000 members of Service Employees Local 73 — technical, clerical, maintenance, engineering and professional employees — struck on Sept. 14. They work at the Chicago hospital and clinics and medical schools in Peoria, Rockford and Urbana, Ill. Black and Latinx strikers are leading the way at UIC.After being without a contract for 15 months, 94% of the UIC unionized workforce voted to strike. Bosses ignored their calls for safe working conditions, provision of PPE and disinfectants, more staff, a $15 hourly minimum wage and yearly cost-of-living increases. SEIU Local 73 filed charges of unfair labor practices against UIC during contract talks. When management would not move, workers launched an “unfair labor practice” strike. Physical Therapy Specialist Alicia Uwumarogie at UI Health explained, “We continue to face disrespect at the bargaining table. That’s reflected in UIC being unable to promise masks and other safety equipment and conditions that we’ve long needed. Some of our brothers and sisters have died on the front line. They have given their lives for their jobs. And for what? So UIC can ignore our calls for justice?” (seiu73.org, Sept. 3)Lavitta Stewart, Program Service Aide at UI Health, emphasized, “We are done with their lack of empathy and lack of respect. Workers shouldn’t be making $10-$12 an hour. Workers shouldn’t be worried about contracting a virus that UIC has let run rampant amongst the workplace.”The SEIU Local 73 Bargaining Committee Sept. 14 statement stresses that UIC has the funds to pay agency employees and strikebreakers and to erect a new building, but not to pay their employees salaries they deserve!Strikers are determined to stay on the picket lines for as long as they must to get a decent contract, which recognizes and provides for their economic, health and safety needs — and treats them with respect. FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare this
4 recommendedShareShareTweetSharePin it Name (required) Mail (required) (not be published) Website More Cool Stuff Here are our carefully culled top picks from dozens of Pasadena events the very best things to taste, watch, listento, and experience, all presented weekly in our e!Pasadena email newsletter: Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. top box 10 What To Do This Weekend in Pasadena Published on Thursday, February 13, 2020 | 12:28 pm faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Subscribe Community News HerbeautyTips From A Professional Stylist On How To Look Stunning In 2020HerbeautyHerbeautyHerbeauty9 Of The Best Family Friendly Dog BreedsHerbeautyHerbeautyHerbeautyThis Trend Looks Kind Of Cool!HerbeautyHerbeautyHerbeauty6 Lies You Should Stop Telling Yourself Right NowHerbeautyHerbeautyHerbeautyThe Most Obvious Sign A Guy Likes You Is When He Does ThisHerbeautyHerbeautyHerbeautyA 74 Year Old Fitness Enthusiast Defies All Concept Of AgeHerbeautyHerbeauty Business News Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Make a comment Your email address will not be published. Required fields are marked * Top of the News Community News Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS First Heatwave Expected Next Week Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena
Pinterest CPWP to protest as Minister attends awards ceremony in Letterkenny Pinterest NPHET ‘positive’ on easing restrictions – Donnelly Nine Til Noon Show – Listen back to Wednesday’s Programme Google+ Three factors driving Donegal housing market – Robinson WhatsApp Google+ GAA decision not sitting well with Donegal – Mick McGrath Twitter WhatsApp Facebook Previous articleNew regional focus predicted as government considers garda restructuringNext articleCouncillor says some former Rural Broadband Scheme users are now facing huge bills News Highland Homepage BannerNews RELATED ARTICLESMORE FROM AUTHOR Twitter By News Highland – November 10, 2014 Facebook Calls for maternity restrictions to be lifted at LUH Can’t Pay Won’t Pay will stage a protest against water charges outside the Mount Errigal Hotel in Letterkenny, where Minister of State, Joe Mc Hugh will attend the Cleaner Community awards.Spokesperson Francis Mc Cafferty says in the wake of last month’s protests, the government is now considering what he termed a €100 bribe to get people to register, along with cuts in the levels of the charges.However, he says everyone knows that whatever sweeteners are offered now, they will be withdrawn in the future and the charges will rise.Francis Mc Cafferty says Cant’ Pay Won’t Pay will be urging Minister Mc Hugh to bring a clear message to the government…….Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2014/11/fmccweb.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Guidelines for reopening of hospitality sector published
Main Evening News, Sport and Obituaries Tuesday May 25th Gardai continue to investigate Kilmacrennan fire 365 additional cases of Covid-19 in Republic By News Highland – February 25, 2011 Newsx Adverts Facebook Pinterest WhatsApp 75 positive cases of Covid confirmed in North Previous articleCourt of Criminal Appeal quashes Mary Kelly appealNext articleVoter turnout said to be very high in Donegal constituencies News Highland WhatsApp Google+ Further drop in people receiving PUP in Donegal Facebook Google+ RELATED ARTICLESMORE FROM AUTHOR Twitter Pinterest Flybe introduce new service at City of Derry Airport The budget airline Flybe is to introduce a new service at City of Derry Airport.The Flybe website is now offering flights from City of Derry Airport to Manchester beginning on 19 May 2011.Meanwhile, earlier this week Ryanair launched a new weekly service to Tenerife from City of Derry Airport.The airport manager, Damien Tierney, said he was “confident” both will prove popular destinations……[podcast]http://www.highlandradio.com/wp-content/uploads/2011/02/dam530.mp3[/podcast] Twitter Man arrested on suspicion of drugs and criminal property offences in Derry