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Westpac triggers first rate rise for all homeowners

By on September 28, 2020

first_imgIn a move expected to be followed by other big lenders, Westpac has increased rates for all homeowners.WESTPAC has become the first of the Big Four banks to increase interest rates for all homeowners in a “tough decision” that’s set to add $35 more to the average monthly mortgage repayment.The move was likely to be followed by other lenders and comes a week out from the Reserve Bank’s monthly monetary policy meeting on Tuesday — a fresh sign that lenders were prepared to move on rates out of cycle to the RBA.Westpac announced it would raise its variable interest rates for both owner occupied and investment properties effective September 19 when all variable mortgage rates would increase by 14 basis points. More from newsParks and wildlife the new lust-haves post coronavirus17 hours agoNoosa’s best beachfront penthouse is about to hit the market17 hours agoOwner occupiers who pay interest only are also being penalised with higher rates than investors who pay principal and interest. Picture: AAP Image/Glenn Hunt.The measure applies to all new and existing customers, with those making interest only payments penalised with higher charges — regardless of whether they were owner occupiers or investors. The bank will allow those on interest only repayments to shift to principal and interest “without any penalty or fee”.Owner occupiers who made both principal and interest repayments would see their standard variable home loan rate rise to 5.38 per cent, while those who with interest only repayments would rise to 5.97 per cent.The standard variable residential investment property loan rate rises to 5.93 per cent on September 19 for those making principal and interest repayments — which is lower than the charge for owner occupiers making interest only repayments.Investors making interest only repayments would see their standard variable rate rise to 6.44 per cent.George Frazis, Westpac’s chief executive — consumer bank, said the move came because of increased funding costs for the bank — but the rates were still 10 basis points below where they were three years ago.“This is a tough decision but we have a responsibility to price our mortgage products in a way that reflects the reality of our funding costs,” he said in a statement.The 14 basis point increase would increase the average $300,000 home loan interest cost by $35 more a month, the bank said.It added that about 68 per cent of Westpac’s home loan customers were currently ahead on their repayments.last_img read more

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Waterside beauty has serious Italian villa vibes

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first_imgThe home at 24 Cayman Cres, Raby Bay, was built by the owners to be a private family sanctuary. Picture: supplied.Influenced by traditional Italian architecture and designed to have a timeless feel, this waterside home has an incredible 913sq m of internal living space across two levels. Owner and builder Alfio Marino said the vision for the home at 24 Cayman Cres, Raby Bay, was a family sanctuary meticulously constructed using high quality materials. “We wanted a touch of Italy with the terracotta look,” he said. “And we wanted water views from nearly every room.” The grand staircase inside the home at 24 Cayman Cres, Raby Bay. Picture: supplied. MORE NEWS: Super garages worthy of super cars Big house, big pool, big shed Mr Marino said nearly all materials were imported, most from places such as Brazil or Europe, with the terracotta roof tiles coming from Western Australia and the wrought iron being hand forged.Every little detail, from the ornate cornices to the polished granite staircase, was carefully thought out. On the ground floor of the home there is a four-car garage and a grand foyer with the statement staircase. Most rooms in the home have water views. Picture: supplied.The open-plan living, dining and kitchen area flows out to the patio. More from newsParks and wildlife the new lust-haves post coronavirus10 hours agoNoosa’s best beachfront penthouse is about to hit the market10 hours agoThere is also a formal lounge and dining space and a separate family room, both with french doors opening to the poolside area. Upstairs, the spacious master suite has a walk-in wardrobe, private balcony overlooking the canal, and an opulent ensuite.The remaining bedrooms have balcony access, while one also has an ensuite. There is also a family bathroom, powder room, home theatre and large storage room.Outside there is a poolside pavilion and a full outdoor kitchen surrounded by low-maintenance paving and manicured gardens. “I love sitting out in the barbecue area in the morning having a coffee and watching the dolphins come in herding fish,” Mr Marino said. The property is on the market through Joseph Lordi of McGrath Bayside.center_img Cottage goes from blah to brilliantlast_img read more

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NSRI Seeks New Director; Drummond Goes Back to Subsea 7

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first_imgThe National Subsea Research Initiative (NSRI) is looking for a new director who will replace current project director, Dr Gordon Drummond, who is returning to Subsea 7 following his three year secondment to NSRI.NSRI facilitates and coordinates research and development activities within the UK’s subsea sector.Supported by Subsea UK and key sponsor companies, including Total, Shell, BP, Subsea 7, Wood and Scottish Enterprise, NSRI plays a key role in communicating the needs of the industry to the supply chain, encouraging market-led development of technology.Chairman of NSRI, Peter Blake, said: “NSRI has made significant strides towards meaningful engagement between industry, government and academia. Dr Drummond has played a pivotal role in the numerous achievements of NSRI in the last three years and, on behalf of the board, I’d like to pay tribute to his sterling work and wish him well for the future.”Neil Gordon, chief executive of Subsea UK, added: “NSRI’s strong links into Subsea UK ensure that it is fully aligned with what industry needs and it’s why the two organisations work alongside each other. Subsea UK echoes Blake’s praise of and gratitude to Dr Drummond. He will be a hard act to follow but, for such an exciting role, we are confident of securing a strong line-up of candidates.“It is critical that we continue to invest in subsea technology to ensure Britain remains at the forefront of the global industry. We will only stay ahead of the game by improving the knowledge transfer between our industry and academia. This is where NSRI plays its most valuable role in bringing all the relevant organisations together to advance market-led research and technology development.”last_img read more

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Polygamy and Human Dignity

By on September 27, 2020

first_imgThe Witherspoon Institute 16 June 2014Carson Holloway is a political scientist and the author of The Way of Life: John Paul II and the Challenge of Liberal Modernity (Baylor University Press).The normalization of polygamy would undermine our commitment to human dignity—our sense that each human being is to be valued as an end in him- or herself, and not merely as a means to others’ ends.Conservatives have long warned that the redefinition of marriage sought by the proponents of same-sex unions will prepare the way for a further redefinition of marriage to include polygamy. Some liberals have already done their part to fulfill this prophecy by assuming that the argument over same-sex marriage is over and by beginning to argue for a normalization of plural marriages. As I have recently argued here at Public Discourse, I do not agree that the argument over same-sex marriage is or should be over. Nevertheless, because some liberals have started to defend polygamy, conservatives who want to preserve our moral inheritance need to think through what kind of arguments caution against this further step.Defenders of conjugal marriage confront a problem here, because it seems harder to make a principled argument against polygamy than against same-sex marriage. The principled argument against same-sex marriage holds that marriage by its nature is ordered toward procreation. Since this cannot be said of same-sex unions, the argument runs, it makes no sense to recognize them as marriages. This argument is not available—or is not so easily available—in opposition to polygamous marriages. After all, to the extent that such marriages are heterosexual, they can be naturally ordered toward procreation.Without denying the possibility of a strong principled argument against polygamy—an argument based, say, in the nature of human sexuality and its natural purposes—I would like here to venture a prudential argument against it.A Prudential Argument Against PolygamyThe normalization of polygamy would undermine our commitment to human dignity, our sense that each human being is to be valued as an end in him- or herself, and not merely as a means to other people’s ends. This commitment to human dignity, however, is a cornerstone of our civilization. If I am correct, we cannot embrace polygamy without imperiling something that both the left and the right agree makes our civilization worthy of admiration, something that both intend to preserve, but that might be diminished or lost through a careless manipulation of fundamental institutions such as marriage and the family…..Fatherhood and Human DignityLeaving aside the question of inequality, however, we must ask what such polygamous conditions will do to men’s sense of human dignity. There are, of course, many experiences that teach men to appreciate the dignity of other human beings. One of the more powerful of these is fathering children within marriage. Here a man encounters other beings that he is absolutely obligated to care for, but who are not in any sense his property and who will lead lives of their own, with their own ambitions and aims. His children are ends in themselves, not instruments of his, but are nevertheless entitled to his care and attention…..Polygamy Will Increase Economic and Gender InequalityNor would polygamy do much to foster the wealthy polygamist man’s appreciation for the dignity of women. The partnership here would be an inherently unequal one, the man participating in several unions, but each woman participating only in one. Consenting to such an unequal arrangement—one in which, say, four women are exclusively dedicated to the man, but the man is not exclusively dedicated to each of the women—could not help but diminish the man’s sense that the women are his equal.http://www.thepublicdiscourse.com/2014/06/13279/,Conservatives have long warned that the redefinition of marriage sought by the proponents of same-sex unions will prepare the way for a further redefinition of marriage to include polygamy. Some liberals have already done their part to fulfill this prophecy by assuming that the argument over same-sex marriage is over and by beginning to argue for a normalization of plural marriages. As I have recently argued here at Public Discourse, I do not agree that the argument over same-sex marriage is or should be over. Nevertheless, because some liberals have started to defend polygamy, conservatives who want to preserve our moral inheritance need to think through what kind of arguments caution against this further step.Defenders of conjugal marriage confront a problem here, because it seems harder to make a principled argument against polygamy than against same-sex marriage. The principled argument against same-sex marriage holds that marriage by its nature is ordered toward procreation. Since this cannot be said of same-sex unions, the argument runs, it makes no sense to recognize them as marriages. This argument is not available—or is not so easily available—in opposition to polygamous marriages. After all, to the extent that such marriages are heterosexual, they can be naturally ordered toward procreation.Without denying the possibility of a strong principled argument against polygamy—an argument based, say, in the nature of human sexuality and its natural purposes—I would like here to venture a prudential argument against it.A Prudential Argument Against PolygamyThe normalization of polygamy would undermine our commitment to human dignity, our sense that each human being is to be valued as an end in him- or herself, and not merely as a means to other people’s ends. This commitment to human dignity, however, is a cornerstone of our civilization. If I am correct, we cannot embrace polygamy without imperiling something that both the left and the right agree makes our civilization worthy of admiration, something that both intend to preserve, but that might be diminished or lost through a careless manipulation of fundamental institutions such as marriage and the family…..Fatherhood and Human DignityLeaving aside the question of inequality, however, we must ask what such polygamous conditions will do to men’s sense of human dignity. There are, of course, many experiences that teach men to appreciate the dignity of other human beings. One of the more powerful of these is fathering children within marriage. Here a man encounters other beings that he is absolutely obligated to care for, but who are not in any sense his property and who will lead lives of their own, with their own ambitions and aims. His children are ends in themselves, not instruments of his, but are nevertheless entitled to his care and attention…..Polygamy Will Increase Economic and Gender InequalityNor would polygamy do much to foster the wealthy polygamist man’s appreciation for the dignity of women. The partnership here would be an inherently unequal one, the man participating in several unions, but each woman participating only in one. Consenting to such an unequal arrangement—one in which, say, four women are exclusively dedicated to the man, but the man is not exclusively dedicated to each of the women—could not help but diminish the man’s sense that the women are his equal.http://www.thepublicdiscourse.com/2014/06/13279/last_img read more

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Robert & Sons Aluminum awards to IMCA Deery Series, Arnold’s Dirt Knights drivers

By on September 23, 2020

first_imgThe Newnan, Ga., manufacturer and distributor is in its fifth year as an IMCA sponsor and also distributes aluminum for commercial uses that range from trailers to signage and storefronts throughout the United States, Canada and Latin America.   More information is available at the www.rsaluminum.com website, by calling 800 206-8836 and on Facebook. All Roberts and Sons product certificates will be presented during the national IMCA awards banquet in November. NEWNAN, Ga. – Drivers in two premier IMCA series earn product awards again this season courtesy of Robert & Sons Aluminum. Both the champion and rookie of the year in the Deery Brothers Summer Series for Late Models and the champion and perfect attendance driver with the fewest total points in the Arnold Motor Supply Dirt Knights Tour for Modifieds receive 10 sheets of aluminum. “Robert & Sons Aluminum is happy to support IMCA again and we are excited to participate in both of the series this year,” said Steve Hinely. “It’s a privilege to be able to award some of the drivers at the end of the year with our products and we appreciate all of the drivers who buy our products for their body and also use it for various parts of their car. This is a small way to give back to them and to the sport.”  “These two premier IMCA tours will be closely watched again in 2019, and Robert & Sons Aluminum will be right there to provide support for a great season in each,” commented Kevin Yoder, IMCA’s director of marketing. “We enjoy working with them and thank them for continued support of great IMCA racing across the Midwest.”last_img read more

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FA Cup quarter-final: Arsenal. Chelsea get tough draws + full fixtures

By on September 22, 2020

first_imgRelatedPosts Gundogan tests positive for coronavirus Runarsson joins Arsenal on four-year deal Ighalo: My best moment as ‘Red Devil’ Arsenal and Chelsea have been handed tough away ties in the quarter-final of the FA Cup. The Gunners’ reward for overcoming Portsmouth in round five is another game on the road as they face fellow Premier League outfit Sheffield United at Bramall Lane. When the two team met there earlier in the season, the Gunners – under Unai Emery – were beaten 1-0 and then drew the reverse meeting at the Emirates Stadium in January. As for the Blues, they’ll face Leicester City at the King Power Stadium. Both Premier League meetings have ended in draws, with Antonio Rudiger scoring twice in a four-goal thriller at the beginning of February. Holders Manchester City beat Sheffield Wednesday 1-0 on Wednesday night thanks to a goal from Sergio Aguero and will face a Newcastle United side who were runners-up in 1998 and 1999. The last quarter-final tie won’t be confirmed until Thursday night. Manchester United take on Wayne Rooney’s Derby County at Pride Park with a trip to Norwich City the reward for the winner. The Premier League’s bottom side came from behind to beat Tottenham Hotspur on penalties with Tim Krul proving to be the hero as he saved from Troy Parrott and Gedson Fernandes. Fixtures will be played between March 20 and 22.FA Cup quarter-final draw in full: Sheffield United vs Arsenal Newcastle United vs Man City Norwich City vs Derby County/Man U Leicester City vs Chelsea. Tags: ArsenalChelseaFA CupLeicesterManchester UnitedSheffield Unitedlast_img read more

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All-rounder Kieron Pollard to lead Trinbago Knight Riders

By on September 20, 2020

first_imgPort of Spain, Aug 1: Trinbago Knight Riders will stick with veteran all-rounder Kieron Pollard to lead the team in the 2020 edition of the Caribbean Premier League. Pollard led the team to play-offs last time around after regular captain Dwayne Bravo missed the tournament due to injury. Bravo had earlier led the team to back-to-back CPL titles in 2017 and 2018. The management, however, seems to be happy will Pollard leading the side, who is currently the skipper of West Indies T20I team as well. “We are happy that Kieron who is the West Indies captain is our leader at TKR,” Venky Mysore, the CEO of the team as well as Kolkata Knight Riders in the IPL, told T&T Guardian. “The champion DJ Bravo has been coming to me year after year and asking me to give someone else the captaincy because he wants to just concentrate on playing and enjoying the game. I always told him not until I am ready and that time has come and he is very happy to play under Pollard.” The 2020 edition of the CPL will take place in Trinidad & Tobago from August 18 and September 20. The tournament will have a full season and will feature overseas and Caribbean players. IANSlast_img read more

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The 2-year plan: South Korean soccer player joins Wisconsin

By on September 16, 2020

first_img[Steve Gotter/The Badger Herald] Junior defender Junho Seok has become a mainstay in the Wisconsin back line in 2013.It’s not every day that a Division I athletic program has a former military member listed on its active roster.It’s not commonplace for a 27 year old to have two years of eligibility remaining on his NCAA tenure.It’s not the norm for a South Korean citizen to be playing soccer at the University of Wisconsin.These may not be things that most people are accustomed to, but those people aren’t JunHo Seok.Born in Seoul, South Korea on April 2, 1986, JunHo (pronounced “Juno”) spent his childhood playing soccer and practicing martial arts. In fact, by the age of 11, JunHo had already earned his black belt in taekwondo. After quitting taekwondo, JunHo picked up soccer at the age of 12 — only to drop it during high school.As is required by South Korean law, every male must serve two years in the army. While there, JunHo was assigned to the artillery section of the army.“The time he spent at the military taught him a lot of things,” senior Toni Ramadani said. “He’s always telling us some cool military stories, and those eye-opening experiences have put him through a lot so an intense soccer match is nothing for him because he’s been through much tougher things before.”After the army, JunHo worked for Samsung before deciding that he wanted to pursue his education in the United States.“I came to America to study English,” JunHo said in a phone interview with The Badger Herald. “I didn’t intend to play soccer, but I was asked to try out for the team and I made it and was then given a scholarship.”JunHo picked Illinois Central College, a junior college hotbed for international athletes including the Badgers’ own redshirt senior Tomislav Zadro. After two seasons at ICC, Zadro and Ramadani, JunHo’s current roommates, convinced the 6-foot defender to take his talents to Madison.“They told me that Wisconsin was a great place for academics,” JunHo said. “The part about the great soccer program was also [why I decided to come].“When I visited, I knew that it was the place to be and has been absolutely perfect so far.”A big selling point for Wisconsin was the fact that he had familiar faces on the team. With Zadro knowing firsthand about the transition between ICC and Wisconsin, JunHo knew that he would always have someone he could talk to. And with Ramadani, who got together with JunHo a few times per week in the off-seasons to play soccer, there was a recognizable face out on the soccer field.“It took a long time to find out what his status was because of his age,” head coach John Trask said. “But the NCAA came back and said that due to his military service that he’d have two years of eligibility. Being an excellent student I figured he’d graduate in two as well, so we definitely wanted him here.”The biggest positive about having JunHo around for two years from a roster perspective is that even though the Badgers are losing 13 seniors after this season, they will return three of their four defensive backs in 2014.Junior AJ Cochran, one of the leaders on the defensive side of the ball, did not know much about JunHo before he arrived on campus.“I knew that he was older so he was going to bring some maturity to the squad and I knew that he was in the South Korean military so he was going to be a hard worker. Everything has really rung true about him and he’s been a great addition to the team,” Cochran said.The left-footed left back has adjusted well to life both on and off the field, but there are still some everyday challenges for the junior majoring in international relations.“My English is still being worked on,” JunHo said. “So sometimes it is very hard to communicate with people. Studying is also very hard because it takes more time for me to read textbooks since they are in English.”Cochran tried to put himself in JunHo’s shoes and admitted that it would be exceedingly difficult to travel across the world to a country that speaks a different language and try to play soccer, so he said he is doing everything in his power to make the transition easier for JunHo.“It’s got to be difficult for him,” Cochran said. “We’re just trying our best to make him feel as comfortable as possible, and so far I think he’s adapting well to it. He’s the nicest kid on the team, and having him on the field during intense moments on the field is great because he always has a huge smile on his face, which helps to balance out our team and make us better.”Soccer has become a comfort for JunHo because no matter what language one speaks, soccer is played the same across the globe — and that is where JunHo has excelled.“I have been very pleased with JunHo’s progress so far on the field,” Trask said. “His understanding of the rhythm of the game and what he can do from his position is great. I’ve told some of the younger guys on the team that they really have an opportunity here to pick the brain of a mature, skilled player over the next two seasons and I think they’re starting to take advantage of that.”In the end, all this Badgers team wants is for the black belt-turned military man-turned collegiate soccer player to enjoy his time here in Wisconsin.“I asked him the other day if he was enjoying it,” Trask said. “He just gave me a big smile and gave me a big nod saying ‘Yes, I really am.’”last_img read more

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Syracuse’s new backline features a senior transfer and a freshman

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first_img Published on September 10, 2019 at 9:10 pm Contact David: ddschnei@syr.edu For the past two seasons, Syracuse head coach Ian McIntyre’s selections for his backline haven’t required much thought. Kamal Miller played in and started 53 games at center back from 2016-18. Sondre Norheim started all but two games in the past two seasons. John-Austin Ricks occupied the right side of the backline for much of his first three years, starting 30 games and appearing in 51. A 2-1 overtime loss at Boston College in 2017 was the only game in the past two seasons when at least two of Miller, Norheim, and Ricks weren’t in the starting lineup.With Miller out of eligibility, Norheim returning from an injury and Ricks taking up a role in the midfield, McIntyre has been forced to piece together an entirely new backline to start the 2019 season. The ninth-year head coach opted for two senior transfers — Nyal Higgins and Matt Orr — and freshman Noah Singelmann to round out the back three. “We have three new guys back there,” McIntyre said. “They’ve reacted well to [not having in-game experience together]. So far, I’ve seen some really good individual defensive moments from them.”Last season, Syracuse’s defense conceded 26 goals in 18 games (1.44 per game), the third-worst mark in the Atlantic Coast Conference. This year’s reconstructed defense has allowed seven goals in four games (1.75 per game) so far, but its solid performances have McIntyre and the Orange (1-1-2) optimistic. AdvertisementThis is placeholder textThat confidence starts with Singelmann, the sole freshman starter in the backline. The Rheinstetten, Germany native is a product of the Karlsruher SC academy, a team in the German second division, where he captained his U-17 and U-19 teams. In his first five games as an SU player, Singelmann has impressed McIntyre with his composure on the ball and involvement in possession and build-up play. In his first start against Binghamton, Singelmann frequently linked with Ricks and junior Simon Triantafillou on attacking moves down the right sideline. The center back even registered the Orange’s second shot of the game after dribbling into the attacking third.“I don’t think [it was difficult],” Singelmann said about his first start alongside Orr and Higgins against Binghamton on Sept. 2. “We all love football, we all know how the game works. I think we were all comfortable.”Max Freund | Staff PhotographerOrr, a senior transfer from the University of San Francisco, lost his starting position to the returning Norheim against No. 22 New Hampshire on Sunday but started each of the first three games of his SU career. Higgins, who transferred from Oakland University, looks to a commonality at center back all season. The Ajax, Canada native has started all four games so far and displayed his smart decision-making and athleticism on many occasions. Sunday night, Higgins met his match in New Hampshire’s Donnett Sackie, a 6-foot-3 senior forward. Higgins, at 6-foot-2, constantly found himself in foot races and aerial battles with Sackie. On most long throw-ins, free kicks and corner kicks, Higgins and Sackie battled each other for position, with the Orange defender typically winning. Norheim, not Higgins, was marking Sackie when he headed in UNH’s equalizer with five minutes left in regulation. Since Syracuse conceded three goals to No. 13 Georgetown in the first game of the season, Higgins believes the defense has already improved. Since then, they’ve conceded four goals in three matches, including two that went to double overtime.The next step for the defense, McIntyre said, is playing a full 90 minutes with no costly mistakes. Against Binghamton, McIntyre said the defense gave Bearcats’ goal scorer Parker McKnight too much space outside the box to curl in the visitor’s only goal in a 3-1 SU win. In Friday’s 1-1 double-overtime draw to Yale, it was Orr’s errant pass from the back that set up the Bulldogs’ only goal. Sunday night, poor marking on two crosses overshadowed a strong defensive performance in a 2-2 tie to New Hampshire.“It was a sloppy goal to concede,” McIntyre said about UNH’s first goal on Sunday. “But that’s a new group for you. It’s coachable. That’s what we’re here for.”Being a new player that starts and plays significant minutes has been more a fun challenge than nerve-wracking, Singelmann said. The 19-year old credited McIntyre and the older SU players for easing their new players into the team, a process that began in the preseason more than two weeks before the Orange’s season opener on Aug. 30.“Guys who have been here a few years like John-Austin, Massimo (Ferrin) and Sondre have helped us mesh and get together,” Higgins said. “They’ve made sure we all play as a unit, not just the backline.” Comments Facebook Twitter Google+last_img read more

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Why GAC Motors is Supporting Lagos City Marathon, By Chan

By on September 9, 2020

first_img“So many people will run and we are happy to be part of the programme involving so many Nigerians because we are in this country to be known with our quality products.“In the past four years, I have been in this country and investment is rather tough but we are happy to be making impact with the people.“We love sports and that is why we are proud of our Sport Utility Vehicles in which the very latest, GS 8 will be launched on Friday (today) in Lagos,” stressed ChanThe GAC Motors boss charged all the participants in the Lagos City marathon to aspire to do well in the international race.She noted that marathon was good for healthy living of individuals generally and it further informed the decision of the outfit to embrace the project.“Health is wealth and so we encourage people to run for healthy living. There are two or three competitions and we are supporting with our products for the 10km race.“We are going to continue our support for the marathon to make it better just as we also strive to make more quality products for Nigerians,” Chan stressed.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegram The Chairman of GAC Motors, Diana Chan, has explained why the automobile organisation is supporting the Lagos City Marathon scheduled to take place saturday.Speaking yesterday at the corporate office of GAC Motors in Lagos, Chan said it was important to get involved with projects that would serve the generality of the people.She stressed that GAC Motors was interested in the race because marathon had a mass appeal because of the huge number of participants, especially in a mega city like Lagos.last_img read more

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