I find a lot of situations to be amusing, sometimes to the point of irreverence. They are still the best textbooks you could ever find. I was first introduced to Equity Release in 2003 when I joined Aviva (formerly Norwich Union) as a Financial Consultant advising clients on Lifetime Mortgages & Home Reversion Plans, I found my role very rewarding because I could make a real difference to peoples lives giving them the opportunity to fulfill their dreams and greatly enhance their retirement. Equity release may not be your only solution. SB: Making a difference to the lives of some of the students I’ve been fortunate enough to teach, as well as to the broader educational landscape. I’m centrally located in the Midlands within easy reach of the North & South of the country and I’m happy to travel nationwide to provide the very best equity release advice. We can be successful only if we deliver outstanding value to our customers in our products, in our technologies and in our service and making sure these align with their needs. During his time at UBC, Professor Ono has led the process to create the university’s strategic plan, Shaping UBC’s Next Century. Choosing to become an independent equity release adviser allows me to advise on the whole of the market as opposed to being tied to just one company. More details here. I'm almost 90% sure that when the Erotica tracklisting was being discussed in the 90s Rate thread in 2015, ... Simon Bates was an odd choice of interviewer. 6323 Cecil Green Park RoadVancouver, BC Canada V6T 1Z1, UBC’s Associate Provost, Teaching and Learning, 26 October, 2020 | Leadership one-on-one |, 5 October, 2020 | Leadership one-on-one |, 14 September, 2020 | Leadership one-on-one |. Although we are looking at our total fixed cost position -- as you know, the pandemic showing up in Q2 has put us in a -- and everybody has been putting in a different position with respect to expectations on volume moving forward. With respect to SCC, as you know, we kind of play in all the segments. I have had a lot of success developing strong management teams and delivering significant commercial and operational improvements. It seems like residential markets are stronger than nonresi. SB: Enthusiasm, energy, and a commitment to a greater cause. Learn how these lifetime mortgages work. 2. Our numbers were better in Asia in October. Thanks. I have been involved in Financial Services for well over 25 years, initially employed as financial adviser for Royal London where I learnt my trade providing holistic financial advice to families in the comfort of their own homes. So, seeing things from a wider perspective than just your course, your department or even your faculty, and being willing to compromise. Simon Bates-- President and Chief Executive Officer Thanks, Craig. Find out the maximum amount of money you could borrow with equity release. Can you give us a little more details in terms of customer-centric focus, which I thought that the company was reasonably customer-focused already? I look forward to speaking to you in more detail about our progress in these areas on future calls. View Cookies Policy, Equity Release Schemes, Retirement Mortgages & RIO's. All right. And we have been impacted. SB: Two things stand out to me. And we are working closely with those customers to try and help develop products that can help them reduce their CO2 emissions. I will first focus on GCP's results and then move into the business segments. On the construction chemical side, I've had the good fortune to work with both Axiall and Westlake Chemical. Find the latest news, updates, events, and useful dates from across UBC, curated for faculty and staff by Internal Communications.Access a library of resources from multiple UBC websites, all in one place. So we'll see how that plays out in Q4 and Q1. Simon Bates … It would certainly help GCP in the long run. Impacts in Asia, Europe and Latin America due to COVID-19 have been more prolonged and slightly deeper versus North America. I was wondering if you're working with customers to establish or increase sustainability, how it works into your process, and if that's part of what you're trying to change as well? They have come back a little bit in October. Rick Hart is the Associate Vice-President, Communications at UBC. Now turning to the fourth quarter outlook. Something I’d also like to see as student demographics change — as the number of 18-24 year olds coming to university declines and the number of 25-45 year olds increases — is the provision of more flexible educational offerings. Good morning, everyone, and thank you for joining us today on GCP's Third Quarter 2020 Earnings Conference Call. If you asked any faculty member in any physics department what books they bought as a graduate student, I’m sure they would say the three volumes of The Feynman Lectures on Physics. Professor of Saxophone for the Royal Marines, Simon Bates is known and respected for his stylistic versatility and instrumental prowess. Selling, general and administration costs were $65.2 million, improved by a total of $1.1 million or about 1.7%. What I can speak to is the commitment that I have with the Board and the agreement with the Board to look at our strategy going forward and how best to drive profitable growth. I'd now like to turn the call over to Craig, who will review the company's financial performance along with segment results and our comments on the fourth quarter. So we're back at it. But we're excited about it. The students loved the site and using it vastly improved their understanding of the material covered in class. As a key part of the External Relations leadership team, Rick oversees the Communications portfolio, which is comprised of Brand and Marketing, Internal Communications and Media Relations. Well, Rosemarie, let me be clear. So we did get a benefit on the mix with the Ice and Water Shield being strong. Find out how much money you could borrow when taking out a lifetime mortgage against your buy-to-let property. So Singapore was down quite a bit. Dr. Simon Bates is UBC’s Associate Provost, Teaching and Learning. With respect to operating expenses in the fourth quarter, we expect similar performance in the fourth quarter as we had in the third quarter. 2. Our lifestyle calculator will advise how much you could release. GCP's net cash provided by operating activities from continuing operations was $59.3 million for the nine months ended September 30 versus $46.5 million for the nine months ended September 30, 2019. Operations and logistics productivity and favorable mix was partially offset by reduced operating leverage. What is the size of the cost reductions that will be permanent versus what is temporary given the lack of travel and other situations? He is in great demand on the London session scene and has appeared live and recorded with a wide variety of bands and musicians including Elvis Costello, Jamie Cullum, Shane MacGowan, Bette Midler, Lulu, Rick Wakeman, D:Ream, Chaka Khan, Emma Bunton, … 5 by Feefo.com based on Obviously, for the cement producers around the world and their significant contribution to CO2, that, that is a major concern for those folks. Let me just say that everything I have learned over the past month has only strengthened my belief that GCP has tremendous potential. A passionate advocate and champion of technology-led learning, Simon joined UBC in 2012 as the Academic Director of CTLT and as one of the first Professors of Teaching at the university in the Department of Physics and Astronomy. Now I'll focus on the SBM segment. Information and qualifying criteria on these lifetime mortgages here. Our goals are to stabilize revenues, improve margins and return the company to profitable growth. Collectively, sales in these regions were down 10%, lower than the third quarter of 2019, with Asia having the highest impact year-over-year primarily due to COVID-19 periodic lockdowns, impacting the countries we play in, in Singapore, Vietnam, Malaysia and Thailand. Verandi. While equity release schemes have been available for many years, the concept of the enhanced equity release seems to have been a more recent addition.... We need your correct email address and telephone number so that your local adviser can And while I realize it is early, can you touch on what you see in the M&A environment? 5. I’m diploma qualified and member of the Equity Release Council and regulated by the Financial Conduct Authority. And that will continue over the next couple of quarters, I believe. I think for both segments, you mentioned that there was weakness in some of the key markets that you serve. You can release money from your second or holiday home. Because we have a great relationship with the lenders, I’m able to pass on preferential rates & equity release deals which have greatly benefitted my clients. Simon was born in Baby Boomers Generation (1946). We are on track to the planned capital expenditure of $25 million in 2020 or a reduction of 35% to 40% from our original plan. With us is Simon Bates and myself, Craig Merrill, Chief Financial Officer; and Simon Bates, Chief Executive Officer. I hope you and your families are safe and well, and I look forward to meeting many of you over the coming months. And so again, I think it's something we can give an update on in future months as, at least, I seek to understand the business a whole lot better and maybe can speak with some authority and some deeper understanding.
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