Zurich expects $500m in 2011 disaster claims

first_img by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastMoneyPailShe Was Famous, Now She Works In {State}MoneyPailSerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity TimesDrivepedia20 Of The Most Underrated Vintage CarsDrivepediaPeople TodayNewborn’s Strange Behavior Troubles Mom, 40 Years Later She Finds The Reason Behind ItPeople TodayBetterBeDrones Capture Images No One Was Suppose to SeeBetterBeElite HeraldExperts Discover Girl Born From Two Different SpeciesElite Heraldautooverload.comDeclassified Vietnam War Photos The Public Wasn’t Meant To Seeautooverload.com whatsapp Share whatsapp Zurich expects $500m in 2011 disaster claims More From Our Partners Florida woman allegedly crashes children’s birthday party, rapes teennypost.comRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.org980-foot skyscraper sways in China, prompting panic and evacuationsnypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.org Swiss insurer Zurich Financial Services has said the five natural catastrophes to hit the Asia-Pacific region so far this year could cause claims of $500m (£310m).The losses are net of its reinsurance cover, where other companies insure the cover it provides to companies, and before tax. It follows three months of heavy claims losses for the global insurance industry as it grapples with earthquakes in Japan and New Zealand and floods across Australia in January.“The charge for Japan is higher than we expected,” said Kepler Capital Markets analyst Fabrizio Croce in a research note. His estimate for Zurich’s hit had been below $100m.Yesterday Lloyd’s insurer Hiscox said it would take an $150m loss from claims from the Japan quake and tsunami alone, while reinsurer Swiss Re has said the disaster will cost it $1.2bn. center_img Tags: NULL Thursday 31 March 2011 3:57 am alison.lock Show Comments ▼last_img read more

Wolf Power: Hold and Win by Playson

first_img The latest animal-themed slot from Playson will have players howling for joy with the big wins on offer. 8th March 2021 | By Aaron Noy Email Address You can play a demo of this slot here! Playson’s latest is a 3×5, 20-payline slot with stacked wilds and nudge wilds in the free spins mode. The bonus game, which features a hold and win mechanic, can trigger one of four in-game jackpots and a x2 multiplier to the total winnings for a full grid of symbols. Topics: Casino & games Slots AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwittercenter_img Game type:Video slotGo-live date (expected):TBAGame special features:– Stacked wild symbol– Stacked wild nudge symbol– Scatter symbol– Bonus symbol– Power symbol– Hold and win bonus game– x2 multiplier in bonus game– In-game jackpots– Free spinsNumber of paylines:20Number of reels:5RTP% (recorded/theoretical):95.04%Variance/volatility:Medium-highNumber of symbols to trigger feature/bonus?Bonus game: 6 bonus symbols Free spins: 3 scattersCan feature be retriggered?NoNumber of free spins awarded?8Stacked or expanding wilds in normal play?YesStacked or expanding wilds in feature play?YesNumber of jackpot tiers?N/AAuto-play function?Yes Slots Companies: Playson Subscribe to the iGaming newsletter Wolf Power: Hold and Win by Playsonlast_img read more

NBS Bank Limited (NBS.mw) 2009 Abridged Report

first_imgNBS Bank Limited (NBS.mw) listed on the Malawi Stock Exchange under the Banking sector has released it’s 2009 abridged results.For more information about NBS Bank Limited (NBS.mw) reports, abridged reports, interim earnings results and earnings presentations, visit the NBS Bank Limited (NBS.mw) company page on AfricanFinancials.Document: NBS Bank Limited (NBS.mw)  2009 abridged results.Company ProfileNBS Bank Limited is a leading commercial bank in Malawi; providing corporate and retail banking solutions, and treasury managements products and services. The company was established in 1964 when Central Africa Building Society, Commonwealth Century Building Society and First Permanent Building Society merged to form New Building Society (NBS). The financial institution became a commercial bank in 2004 after it was issued a banking license by the Reserve Bank of Malawi. NBS Bank is a subsidiary of NICO Holdings Limited. In addition to general banking products and services for the corporate and private sector, NBS Bank provides solutions for international trade, SME loans, asset finance and mortgage loans and short- and long-term insurance products. NBS has a national network of 37 service centres, with its head office based in Blantyre, Malawi. NBS Bank is listed on the Malawi Stock Exchangelast_img read more

Astoria Investments Limited (ATIL.mu) Q32020 Interim Report

first_imgAstoria Investments Limited (ATIL.mu) listed on the Stock Exchange of Mauritius under the Financial sector has released it’s 2020 interim results for the third quarter.For more information about Astoria Investments Limited (ATIL.mu) reports, abridged reports, interim earnings results and earnings presentations, visit the Astoria Investments Limited (ATIL.mu) company page on AfricanFinancials.Document: Astoria Investments Limited (ATIL.mu)  2020 interim results for the third quarter.Company ProfileAstoria Investments Limited is an investment company with permanent capital. The company runs its operations in the United States, Europe, Asia, South Africa and Mauritius. Astoria Investments invests in global equity dominated holdings of primarily direct, high quality listed businesses. The company invests in sectors such as technology, insurance, pharmaceutical, entertainment, financial, consumer products, retail and transportation. Astoria Investments Limited has a primary listing on the Stock Exchange of Mauritius and a secondary listing on the Johannesburg Stock Exchange.last_img read more

An 8%-yielding FTSE 100 dividend stock I’d buy for 2021

first_img See all posts by Roland Head Roland Head owns shares of British American Tobacco. 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. Image source: Getty Images An 8%-yielding FTSE 100 dividend stock I’d buy for 2021 Simply click below to discover how you can take advantage of this. With interest rates at record lows, the stock market is one of the few places left where shareholders can find attractive levels of income. The FTSE 100 dividend stock I’m looking at today offers a remarkable 8% yield.As I’ll explain, I think this payout should be sustainable, even though it’s more than twice the FTSE 100 average of 3.7%. Indeed, I think 2021 could be the year when this company’s shares start to trade at a more normal valuation. That could push up the share price.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…Cheap as chips?The FTSE 100 dividend stock I’m talking about is British American Tobacco (LSE: BATS). This ‘big tobacco’ share obviously carries some ethical concerns, but it also offers a cash-backed dividend yield of 8%.BATS’ high dividend yield is partly down to its low share price. Although the group’s sales and profits are stable, the shares trade on just eight times forecast earnings for 2020. High profit margins mean the business generates plenty of cash, supporting the generous dividend.Why is BATS so cheap?In fairness, I can see a couple of reasons why this unloved FTSE 100 dividend stock might deserve to be cheap.One is that global demand for tobacco seems likely to continue falling. The number of cigarettes sold by British American fell by 4.7% last year, for example. This isn’t a new trend — volumes have been falling for years. BATS and other big tobacco companies have been fighting this trend by raising prices and cutting costs.I don’t think this is critical just yet. BATS sold 677bn cigarettes last year. But it could become an issue at some point in the future.The second reason for caution is that the group still has a little too much debt for my liking. This is a legacy of the 2017 acquisition of rival Reynolds American. I’d normally be wary about high debt levels, but BATS’ gearing is gradually coming down. In my view, the group’s debt should be manageable. I don’t think it will cause problems for shareholders.Why I’d buy this FTSE 100 dividend stockThis year has seen the market focus on growth stocks and tech stocks, some of which now have rather high valuations.British American Tobacco isn’t growth and it definitely isn’t tech. But the company’s financial performance suggests to me it should be a good income investment.The stock’s valuation is low, relative to its earnings. Profit margins are high, and the firm’s profits are reliably converted into cash. Although the firm is investing a limited amount in newer, alternative products, the core tobacco business doesn’t require much investment. This means that BATS can afford to pay generous dividends from its surplus cash each year.This kind of old-fashioned value isn’t popular at the moment. Ethical concerns relating to tobacco stocks are also a headwind. But I think BATS shares are probably cheap enough to reflect the risks facing the firm.In my view, this 8% dividend yield looks quite safe. I’d be happy to keep buying the BATS shares for my portfolio at current levels. 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. 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…center_img Our 6 ‘Best Buys Now’ Shares 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. There’s a ‘double agent’ hiding in the FTSE… we recommend you buy it! Roland Head | Saturday, 5th December, 2020 | More on: BATS Enter Your Email Address Click here to get access to our presentation, and learn how to get the name of this ‘double agent’!last_img read more

This UK tech stock is up 25% today: should I buy now?

first_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. See all posts by Roland Head Image source: Getty Images FREE REPORT: Why this £5 stock could be set to surge Roland Head | Wednesday, 10th February, 2021 | More on: SDI Get the full details on this £5 stock now – while your report is free. Are you on the lookout for UK growth stocks?If so, get this FREE no-strings report now.While it’s available: you’ll discover what we think is a top growth stock for the decade ahead.And the performance of this company really is stunning.In 2019, it returned £150million to shareholders through buybacks and dividends.We believe its financial position is about as solid as anything we’ve seen.Since 2016, annual revenues increased 31%In March 2020, one of its senior directors LOADED UP on 25,000 shares – a position worth £90,259Operating cash flow is up 47%. (Even its operating margins are rising every year!)Quite simply, we believe it’s a fantastic Foolish growth pick.What’s more, it deserves your attention today.So please don’t wait another moment. Many of the best-known technology shares belong to US firms. Today, I want to look at UK tech stock I think could be one of the best growth shares to buy now.SDI Group (LSE: SDI) makes scientific and technology products for digital imaging and other applications. The SDI share price is up by 25% today following an upgrade to guidance. Today’s gain means the shares have doubled over the last 12 months.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…I’d like more technology exposure in my portfolio, but I’m wary about overpaying. Could SDI fit the bill, or are the shares now fully priced?The good news: profit upgradeThis morning’s surge higher was triggered by an update on recent trading at SDI. The company says two of its businesses have secured “significant one-time contracts” for equipment relating to Covid-19 testing and treatment.The testing order appears to relate to the Atik Cameras imaging and astrophotography business. This group has secured an order for cameras to be used in PCR DNA amplifiers which, in turn, are used for Covid-19 testing.SDI’s guidance suggests the benefit of these contracts will outweigh weaker results elsewhere in the group. Management believe they now have enough visibility on orders to upgrade profit guidance for the 2021 and 2022 financial years.The firm now expects adjusted pre-tax profit for 2021 to be more than £6.7m, up by 55% from 2020. In the 2022 financial year, profits are expected to rise by another 30% to £8.7m. I’d be happy to pay a premium to buy a UK tech stock with this rate of growth, if I thought it could be maintained.A word of cautionSDI’s financial year ends on 30 April, so today’s profit guidance applies to the period between now and 30 April 2022. I think it’s fair to assume that the Covid-19 pandemic will probably have passed by then.If I’m right, demand could fade for Covid-related products from SDI. This could be a concern, as my feeling is that Covid-19 is currently making a significant contribution to group profits. If this demand slows, profit growth could fall sharply, or even go into reverse.Of course, growth in other parts of the business may offset any future decline in Covid-related sales. At this point, it’s a little hard to know. However, I prefer to take a cautious view when buying shares in companies with an uncertain outlook.SDI: the best UK tech stock to buy now?My sums suggest SDI’s share price surge has left the stock trading on about 26 times 2021 forecast earnings. For 2022, that multiple falls to around 20 times.I’m impressed by SDI, which has delivered strong growth in recent years through a mix of small acquisitions and organic growth. But my feeling is that the outlook for earnings is less certain beyond April 2022.On balance, I think SDI shares are probably fairly valued at the moment. I’ll keep watching, but I don’t plan to buy the shares just yet.center_img Enter Your Email Address Our 6 ‘Best Buys Now’ Shares Simply click below to discover how you can take advantage of this. This UK tech stock is up 25% today: should I buy now? 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. Roland Head 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.last_img read more

Four Canadian nonprofits run unified earthquake appeal

first_img For the first time four Canadian nonprofits are collaborating to run a combined appeal in the wake of the south Asian earthquake disaster at the weekend.CARE Canada, Save the Children Canada, Oxfam Canada and Oxfam-Quebec are working together on the appeal, and are basing their collaboration on that of the Disasters Emergency Comittee in the UK. They aim to reduce duplication of effort and thus wastage, and avoid confusion amongst donors.The charities have already established a joint appeal website and are accepting donations online. Advertisement 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. Tagged with: Giving/Philanthropy Prime Minister Paul Martin has announced that all public donations made to the South Asian earthquake relief effort will be matched by the federal government. Specifically the government will match all public funds given from the day of the earthquake up to and including funds given on 26 October 2005. Four Canadian nonprofits run unified earthquake appealcenter_img  14 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Howard Lake | 12 October 2005 | Newslast_img read more

Everyclick.com launches online Christmas card campaign

first_imgEveryclick.com launches online Christmas card campaign 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. Tagged with: christmas Digital Everyclick The e-cards can also be used by companies to send Christmas greetings to their associates and customers.Everyclick point out that, unlike traditional charity Christmas cards from high street shops, its e-cards result in up to 121 per cent of the donation going to charity, if the donation is made by Gift Aid.Everyclick point out that sending traditional printed Christmas cards is wasteful in that it results in 50,000 tonnes of card being used simply to convey ‘best wishes’.Everyclick’s founder Polly Gowers said: “We want to help people stay in touch and send a gift that really counts this Christmas and at the same time raise valuable funds for all Britain’s best loved charities. Let’s make this Christmas about making a difference for those that needit most.”www.everyclick.com/christmas Fundraising website Everyclick.com is again running its online Christmas card campaign, following the success of its 2008 charity Christmas e-card scheme.This year’s ‘Considerate Christmas’ campaign enables members of the public to send an e-cardto their friends, family or colleagues in return for a donation to their favourite charity, selected from a list of over 200,000.Every Christmas greetings e-card can be personalised, and there is the option to add a video and image. Cards can then be sent immediately or on a set date. Advertisementcenter_img AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Howard Lake | 18 November 2009 | News  21 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThislast_img read more

The GMO Debate is Not About Science

first_imgBut, as was stated at the outset, there is no debate about the science. Both in the EU and the US, the real heart of the GMO debate is over what kind of agriculture people want. Marco Contiero, Greenpeace’s EU policy director on agriculture, says “The benefits attributed to GM can only be seen as benefits if you accept a form of agriculture dominated by five monolithic corporations and vast fields of single crops with a massive ecological footprint.” The GMO Debate is Not About Science By Gary Truitt – Nov 23, 2014 The UK, which is no longer food self sufficient, is pushing back against the EU ban on GM crops. Walport told the committee that the UK’s advocacy for GM crops in the face of EU opposition was scientifically justified. “I do consider that to be an evidence-based policy indeed. The science is very clear and I’m happy that the government has taken on board the science.” A study published in the journal PLOS One this year found “on average, GM technology adoption has reduced chemical pesticide use by 37%, increased crop yields by 22%, and increased farmer profits by 68%.” Facebook Twitter Previous articleImmigration Orders Won’t Help Milk ProducersNext articleMorning Outlook Gary Truitt The debate over biotechnology in the UK and the rest of the EU has been raging a lot longer and been a lot louder than here in the US. The cultivation of most GM crops are banned in the EU, but a growing number of EU scientists are beginning to condemn the politicians for adopting policy that has no basis in scientific fact.  Scientists, including Walport and the EU chief scientist Anne Glover, say GM is not inherently dangerous and essentially no different than the selective breeding that humans have engaged in for millennia and that each crop should be assessed on its own merits. “It makes more sense to assess crops based on their individual characteristics and the farming practices that accompany them, rather than the method by which they were produced,” says Mark Downs, chief executive of the Society of Biology. SHARE  By Gary Truittcenter_img More and more, US biotechnology advocates are beginning to reframe the argument in terms of benefits to the consumer, the environment, and the future of our food supply.  Some are even advocating that GM farming and non-GM farming can coexist. Unfortunately, there are some groups who do not really want a resolution of the debate because the controversy generates a good deal of money for their organizations. In short: people want a 21st century food supply produced with 19th century agriculture. While the debate rages on, other forces are at work that may ultimately determine the future for biotechnology. Increasing world food demand and climate change that may shift weather patterns will demand the adoption of GM crops in most agricultural regions of the world.  But here, too, consumers and political leaders must be made aware of the benefits instead of the science. Progress on the GM debate will only be made when all sides start focusing on the costs and benefits of the technology and on what our agricultural system should be. SHARE “We pretend that the debate about genetically modified crops is a debate about science when the reality is actually that the science is very clear. It is really a debate about values. About people [with] strongly held personal opinions and beliefs [who] believe that there is something wrong in humans modifying nature.” This is one of the more insightful statements I have seen in the raging GMO debate. What is even more interesting is that it was made by a top official in the UK where people are regularly vilified, harassed, and sometimes even physically attacked for speaking up for biotechnology. Yet, that is just what Sir Mark Walport, the UK Chief Scientist said.  He recently told MPs on the Science and Technology committee that he EU’s de facto ban on genetically modified (GM) crops may have caused more harm than good, “The consequence of inactions are that we are potentially, particularly in Europe, denying access to technologies that actually will potentially help feed people in ways that damage the environment less.” Home Commentary The GMO Debate is Not About Science Facebook Twitterlast_img read more

Women’s soccer to honor seniors on Sunday

first_imgLinkedin Facebook Kacey Bowenhttps://www.tcu360.com/author/kacey-bowen/ ReddIt Senior Makenzie Koch takes a shot on goal during Friday night’s match against Maryland. Kramer claims 100th career win Support for seniors on Senior Day ReddIt Twitter Previous articleSummer camp recruitment season is heating upNext articleMatt Miracle’s head coaching job long time coming Kacey Bowen RELATED ARTICLESMORE FROM AUTHOR TCU falls to Georgia in AutoZone Liberty Bowl Kacey Bowenhttps://www.tcu360.com/author/kacey-bowen/ TCU vs Georgia: “Playing to win” Another series win lands TCU Baseball in the top 5, earns Sikes conference award printTCU women’s soccer returns to the field Friday for its last pair of regular season home games.In the final home game on Sunday, the women’s soccer team will honor its seniors who will play one last time in Garvey-Rosenthal Soccer Stadium.Head coach Eric Bell said seniors Bobbi Clemmer and Makenzie Koch have had incredible TCU careers, and he wants to send them out on the highest note possible.Bell described them as his “day one-er’s,” because they’ve been here since the beginning.“I’m happy they’ve been a part of what we’ve been trying to do and trying to build,” Bell said. “They both mean a lot to me.”Senior Makenzie Koch said she is shocked how it all happened so fast. She said she still feels as if she was a freshman just a year ago.“It’s extremely sad, I don’t want it to be over.” Koch said. “I wish I had at least another year.”Senior Bobbi Clemmer said what she will miss most about playing on the field is playing the sport she loves and the whole team being together.“I’m sad that I’ll be leaving here pretty soon,” Clemmer said.Bell said Clemmer and Koch have led the team, but in their own ways.“They lead by example with their experience,” Bell said.Koch said within the last three years, she has been able to get very close with the team and they are like a huge family.“I know I have built friendships that will last way past my four years here,” Koch said.Looking toward the game, Bell said the entire team had a week of rest last week and a big week of preparation this week.Bell said their main focus is beating the Baylor Bears Friday night.“One game at a time,” Bell said. “I know that’s coach speak but it is what we are trying to do.”Match time is set for 7 p.m. Friday against Baylor and 1 p.m. Sunday against the University of Oklahoma. + posts Kacey Bowenhttps://www.tcu360.com/author/kacey-bowen/ Facebook Kacey Bowenhttps://www.tcu360.com/author/kacey-bowen/ Twitter Linkedin Kacey is a junior journalism major from Friendswood, Texas. She is a managing editor for TCU360. TCU rowing program strengthens after facing COVID-19 setbacks TCU baseball finds their biggest fan just by saying hello Kacey Bowen last_img read more