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Fencing to add value to home style, design : The Standard

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Ideas for fencing.

The basic function of a fence is to secure and enhance the privacy of our homes. But a fence is not just a functional feature; it is one of the most important design elements in your home and garden.

It is the face of your home to the public and it should add value to the design and style of the home. Certain architectural styles lend themselves well to certain kinds of fences.
For instance, a Victorian house will feel complete within a picket-style border. Here are a few fence ideas you could consider for your home:
Masonry walling
Masonry walls are by far the most common type of fences today. Done well, they are durable and beautiful.
But this is rarely the case. Many times they are bland and only designed to keep away intruders.
If you go for a solid masonry wall, try softening it with living hedges and vines. On the inside, you could also turn sections of the wall into garden features such as a theme wall, planter or even instal a water jet.
Palisade fences or grills can make good variation or additions to a solid masonry fence.
They have hardened plastic panels of metal members with spiked or shaped tops, connected by a horizontal rail and set into a stone or rendered masonry base.
Timber
Timber fences are derived from the classical picket fences. They consisted of pickets fixed onto horizontal rails spanning between posts.
The spacing of the pickets was traditionally the same as the width of the picket which were either rounded or pointed at the top.
These traditions have been replicated in many modern timber fences. They are classy and beautiful, but they have the inherent disadvantage of wearing down fairly quickly, especially in our hot and humid climates. They also don’t offer as much privacy and security compared to the masonry fences.
A solution to the durability issue has now been found in PVC or vinyl fences.
While they have been used extensively elsewhere, not very many people have ventured there locally.
Live fence
Living fences have immense benefits to you and the environment.
On their own, they may not offer impenetrable security, but they do perform wonders in creating privacy.
Hedges and vines are beautiful, inexpensive and offer all the environmental benefits of any biological solution.
Live fences may also be used to complement the other types of fences with amazing results. For instance, when creatively used alongside a solid masonry fence, they soften and bring it to life, breaking the monotony that is so typical of such fences.
– The writer is a landscape architect.  
[email protected]      

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World Bank pushes G-20 to extend debt relief to 2021

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World Bank Group President David Malpass has urged the Group of 20 rich countries to extend the time frame of the Debt Service Suspension Initiative(DSSI) through the end of 2021, calling it one of the key factors in strengthening global recovery.

“I urge you to extend the time frame of the DSSI through the end of 2021 and commit to giving the initiative as broad a scope as possible,” said Malpass.

He made these remarks at last week’s virtual G20 Finance Ministers and Central Bank Governors Meeting.

The World Bank Chief said the COVID-19 pandemic has triggered the deepest global recession in decades and what may turn out to be one of the most unequal in terms of impact.

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People in developing countries are particularly hard hit by capital outflows, declines in remittances, the collapse of informal labor markets, and social safety nets that are much less robust than in the advanced economies.

For the poorest countries, poverty is rising rapidly, median incomes are falling and growth is deeply negative.

Debt burdens, already unsustainable for many countries, are rising to crisis levels.

“The situation in developing countries is increasingly desperate. Time is short. We need to take action quickly on debt suspension, debt reduction, debt resolution mechanisms and debt transparency,” said Malpass.

ALSO READ:Global Economy Plunges into Worst Recession – World Bank

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Kenya’s Central Bank Drafts New Laws to Regulate Non-Bank Digital Loans

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The Central Bank of Kenya (CBK) will regulate interest rates charged on mobile loans by digital lending platforms if amendments on the Central bank of Kenya Act pass to law. The amendments will require digital lenders to seek approval from CBK before launching new products or changing interest rates on loans among other charges, just like commercial banks.

“The principal objective of this bill is to amend the Central bank of Kenya Act to regulate the conduct of providers of digital financial products and services,” reads a notice on the bill. “CBK will have an obligation of ensuring that there is fair and non-discriminatory marketplace access to credit.”

According to Business Daily, the legislation will also enable the Central Bank to monitor non-performing loans, capping the limit at not twice the amount of the defaulted loan while protecting consumers from predatory lending by digital loan platforms.

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Tighter Reins on Platforms for Mobile Loans

The legislation will boost efforts to protect customers, building upon a previous gazette notice that blocked lenders from blacklisting non-performing loans below Ksh 1000. The CBK also withdrew submissions of unregulated mobile loan platforms into Credit Reference Bureau. The withdrawal came after complaints of misuse over data in the Credit Information Sharing (CIS) System available for lenders.

Last year, Kenya had over 49 platforms providing mobile loans, taking advantage of regulation gaps to charge obscene rates as high as 150% a year. While most platforms allow borrowers to prepay within a month, creditors still pay the full amount plus interest.

Amendments in the CBK Act will help shield consumers from high-interest rates as well as offer transparency on terms of digital loans.

SEE ALSO: Central Bank Unveils Measures to Tame Unregulated Digital Lenders

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Scope Markets Kenya customers to have instant access to global financial markets

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NAIROBI, Kenya, Jul 20 – Clients trading through the Scope Markets Kenya trading platform will get instant access to global financial markets and wider investment options. 

This follows the launch of a new Scope Markets app, available on both the Google PlayStore and IOS Apple Store.

The Scope Markets app offers clients over 500 investment opportunities across global financial markets.

The Scope Markets app has a brand new user interface that is very user friendly, following feedback from customers.

The application offers real-time quotes; newsfeeds; research facilities, and a chat feature which enables a customer to make direct contact with the Customer Service Team during trading days (Monday to Friday).

The platform also offers an enhanced client interface including catering for those who trade at night.

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The client will get instant access to several asset classes in the global financial markets including; Single Stocks CFDs (US, UK, EU) such as Facebook, Amazon, Apple, Netflix and Google, BP, Carrefour;  Indices (Nasdaq, FTSE UK), Metals (Gold, Silver); Currencies (60+ Pairs), Commodities (Oil, Natural Gas).

The launch is part of Scope Markets Kenya strategy of enriching the customer experience while offering clients access to global trading opportunities.

Scope Markets Kenya CEO, Kevin Ng’ang’a observed, “the Sope Markets app is very easy to use especially when executing trades. Customers are at the heart of everything we do. We designed the Scope Markets app with the customer experience in mind as we seek to respond to feedback from our customers.”

He added that enhancing the client experience builds upon the robust trading platform, Meta Trader 5, unveiled in 2019, enabling Scope Markets Kenya to broaden the asset classes available on the trading platform.

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