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This audio is brought to you by Astec Industries, a Global Leader in manufacturing equipment for infrastructure, including asphalt production, construction, and material processing, driving innovation and sustainability.

During the first half of this year, diversified mining and marketing group Glencore continued to optimise the business and position it for further value accretive growth, CEO Gary Nagle reported on Wednesday.

A review during the period has recognised opportunities to streamline the industrial operating structure of the Johannesburg- and London-listed company and support enhancement of technical expertise.

One-billion dollars worth of recurring cost-saving opportunities were identified across more than 300 initiatives against a 2024 baseline. These cost savings across operating structures are expected to be delivered by the end of 2026, with more than 50% already targeted for the end of this year.

Organisational changes already made include the creation of a single nickel/zinc department from two separate ones before, with the combined department now assuming management of the overall custom metallurgical processing assets portfolio. Optimisation and savings across headcount, energy, consumables, contractors, maintenance, and administrative functions is involved.

Morgan Stanley Research analysts stated in a note: “We believe that execution on these savings remains key given the steepness of the implied unit cost decreases, especially in copper.”

This year is expected to be the floor for copper department production volumes, which are said to be on a pathway back to one-million tons a year by 2028.

“We’ll curtail production where it makes sense,” Nagle outlined during the presentation covered by Mining Weekly. Examples where such curtailment has already taken place are in ferrochrome, copper/zinc smelting and coal.

While Glencore’s zinc and coal assets are largely operating at the required run rates to deliver full-year volumes, the company’s copper business is navigating various temporary, but largely expected, operational factors, including mine sequencing, lower grades, water constraints and cobalt stockpiling, impacting half-year production at Collahuasi, Antamina, Antapaccay and KCC, with all these operations expecting a substantial step-up in the second half of this year.

“Weak coal prices and low copper production were headwinds in the first half, but we see value at current levels,” Deutsche Bank Group analysts commented.

Half-year earnings before interest, taxes, depreciation and amortisation (Ebitda) was a 17%-lower $3.8-billion, reflecting weaker coal prices and lower copper production. Net debt to June 30 was $3.2-billion higher at $14.5-billion.

“Second half should be better,” Jefferies UK Metals & Minerals headlined in a results summary.

With healthy second-half cash flow generation leading to deleveraging, net debt is poised to reduce meaningfully by year-end.

The completion of the Viterra sale in early July brought in $900-million cash, along with 16.4% of the New York-listed Bunge shares that will be monetised for Glencore shareholders at some point in future.

Supported by the $2.63-billion value of the Bunge shareholding, Glencore announced a share buyback of up to $1-billion to be concluded by the presentation of its annual results in February next year.

The second tranche of next month’s base $0.05-a-share dividend payout will incorporate the new up to $1-billion share buyback communicated in July, taking total announced 2025 shareholder returns increases to $3.2-billion.

The completion of the Viterra sales process, the long-term marketing guidance Ebit range of $2.3-billion to $3.5-billion is also uplifted, the new midpoint of $2.9-billion representing a 16%-higher $2.5-billion.

“While there is much uncertainty around the impacts of geopolitics and trade in the shorter-term, we remain of the view that, in certain commodities, the scale and pace of required resource development will strugg…

Seventy-five percent of respondents surveyed by DebtBusters Money-Stress Tracker say they are under financial stress.

One of the many concerns from this group of people is the fear of running out of money as well as not being able to pay off debt.

The survey was done online between May and June this year. It also found that respondents are less stressed about interest rate hikes as well as loadshedding.

For more news, visit sabcnews.com and #SABCNews on all Social Media platforms.

South Africa’s largest debt management company, DebtBusters, says they have seen an increase of 41% in the number of people who want to undertake debt counselling. Many consumers are battling to make ends meet due to the high cost of living. There has also been a rampant increase in payday loans as consumers try to supplement their salaries.

For more news, visit sabcnews.com and #SABCNews on all Social Media platforms.

After a year of unsuccessfully trying to conceive naturally, Jaclyn and Richard racked up thousands in fertility treatment costs on credit before becoming pregnant with their son Mac. Their debt piled up when Jaclyn’s maternity leave reduced her regular monthly take-home pay by 55%, but Richard still plans to become a stay at home Dad. Neither Jaclyn or Richard are willing to give anything up to make ends meet. Host Gail Vaz-Oxlade breaks the difficult truth: if they don’t stop encouraging each others’ reckless spending and instead start working together to manage their finances, this couple’s future may be filled with a big debt instead of the big family they’ve always wanted. –
–
Watch more from Weddings and Beyond – https://youtube.com/c/WeddingsAndBeyondTV/videos

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If you have more than one loan, it may sound like a good idea to roll them into one consolidated loan but it may end up costing you much more over time! In this video we break down debt consolidation on Home Loans, and what it might cost over time.

For more info https://www.huntergalloway.com.au/

For home loan enquiries
jayden.vecchio@huntergalloway.com.au

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T: 1300 088 065
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Mortgage Broker Brisbane – Hunter Galloway
Head Office: 3 Latrobe Tce Paddington QLD 4064
PO Box 841, Paddington QLD 4064
CBD Office: Level 20, 300 Queen Street Brisbane, QLD 4000

Hunter Galloway are an Award Winning Mortgage Broker based in Brisbane. We help clients from our local area, Australia, and all over the world. We believe buying a home should be stress-free and uncomplicated, and we will work for you to make your dreams become reality.

Next steps and settling your first home

Our team here at Hunter Galloway is here to help you buy a home in Brisbane. Nathan & Joshua Vecchio are Senior Mortgage brokers who specialise in making your home journey easy.

Unlike other mortgage brokers who are just one person operators, we have an entire team of experts to help make your home loan journey as simple as possible.

If you want to get started, please get in touch and we can book a time that suits you – either a phone call information session or a face to face meeting (which doesn’t cost anything for you).

Contact Us

Debt consolidation (or refinancing) can make it easier to manage your repayments. But it may cost you more if the interest rate or fees (or both) are higher than before. You could also get deeper into debt if you get more credit, as it may tempt you to spend more.

Here are some things to consider before deciding to consolidate or refinance.

Avoid companies that make unrealistic promises
Some companies advertise that they can get you out of debt no matter how much you owe. This is unrealistic.

Don’t trust a company that:

is not licensed
asks you to sign blank documents
refuses to discuss repayments
rushes the transaction
won’t put all loan costs and the interest rate in writing before you sign
arranges a business loan when all you need is a basic consumer loan

Make sure you will be paying less
Compare the interest rate for the new loan — as well as the fees and other costs — against your current loans. Make sure you can afford the new repayments.

If the new loan will be more expensive than your current loans, it may not be worth it.

Use our mortgage switching calculator

Compare the interest and fees on a new loan with your current loans.

Remember to check for other costs, such as:

penalties for paying off your original loans early
application fees, legal fees, valuation fees, and stamp duty. Some lenders charge these fees if the new loan is secured

against your home or other assets
Beware of switching to a loan with a longer term. The interest rate may be lower, but you could pay more in interest and fees in the long run.

Protect your home or other assets
To get a lower interest rate, you might be considering turning your unsecured debts

(such as credit cards or personal loans) into a single secured debt

. For a secured debt, you put up an asset (such as your home or car) as security.

This means that if you can’t pay off the new loan, the home or car that you put up as security may be at risk. The lender can sell it to get back the money you borrowed.

Consider all your other options before using your home or other assets as security.

Consider your other options first
Before you pay a company to help you consolidate or refinance your debts:

Talk to your mortgage provider
If you’re struggling to pay your mortgage, talk to your mortgage provider (lender) as soon as possible.

All lenders have programs to help you in tough times. Ask to speak to their hardship team about a hardship variation

. They may be able to change your loan terms, or reduce or pause your repayments for a while.

Consider switching home loans
A different home loan could save you money in interest and fees. But make sure it really is a better deal. See switching home loans.

Talk to your credit providers
If you have credit card debt or other loans, ask your credit provider if they can change your repayments or extend your loan. The National Debt Helpline website has information about how to negotiate payment terms.

Consider a credit card balance transfer
A balance transfer may be a good way to get on top of your debts. But it can also create more problems. See credit card balance transfers to help you choose wisely.

How Much Does Credit Counselling Cost in Canada? – BSCC – Avineet Kalsey – recent interview series, Part 21, explains to viewers what the typical fees are for credit counselling services in Canada.

Debt reduction is front and center on many Canadians’ minds right now with soaring household debt levels – it doesn’t have to be this way – call our experienced credit counselors such as Avineet Kalsey right now. You don’t need to struggle with debt, BSCC can help reduce your debt by over 50%-90% RIGHT NOW – call us today at 1-866-790-8984 – its free!

or Visit:

Business Solutions & Credit Counselling Services

Surrey/Vancouver office:
12033 92A Ave #205 Surrey, BC V3V 4B8
Tel: 604-951-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kjLPMNEqwaxo

Toronto Office:
#43 – 8500 Torbram Road
Brampton, ON L6T 5C6
Tel: 905-789-8984
https://www.google.com/maps/d/edit?mid=z3X9D1QmScWs.kfJ5qQURWhEs

Calgary Office:
#210-3132 26 Street NE
Calgary, Alberta T1Y 6Z1
Tel: 403-714-8984

Edmonton Office:
Tel: 780-716-8984

Abbotsford Office:
#1A – 2497 Clearbrook Road
Abbotsford, BC V2T 2Y3
Tel: 604-951-8984
or Nationwide call: 1-866-790-8984

http://www.bscc.ca/
https://plus.google.com/u/0/100755473303544230759/about

Don’t spend another year racking up unnecessary debt and dig yourself deeper into an unrecoverable situation – we can help! You can avoid going into bankruptcy – it’s a negative mark on your credit and can last for 7-10 years – where a neutral credit counseling notation is REMOVED once someone completes the program. You really can turn your financial life around quickly – just call us and receive a free evaluation of your situation with some helpful advice and absolutely no obligation to take any action if you don’t wish to.

Remember – you DO NOT (and in a lot of cases, SHOULD NOT) always have to go into bankruptcy – we can share valuable information about your options that your bank or other credit counseling companies may not be willing to share with you – because it’s not in their best interest! We work on YOUR behalf, and thus ensure that you receive the very best information for your specific situation. Contact us today at BSCC for a free consultation about your finances – 2018 can be your year that you begin on the journey to finally becoming debt free!

For over a decade, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling firm, has assisted hundreds of thousands of consumers throughout Canada to avoid declaring bankruptcy, prepare a consumer proposal, rebuild their credit rating, and pay off their excessive charge card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to relieve their financial burden and stress.

For more information about using effective debt counseling nationwide wherever you live in Canada – and how to avoid bankruptcy and becoming debt free from high credit card debt or even business bankruptcies, please visit us at http://www.bscc.ca or call 1-866-790-8984 today! We have credit counseling offices in Toronto, Vancouver (Surrey), Calgary, Edmonton, and Abbotsford.

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Debt Busters CEO Ian Wason looks at the costs associated with Debt Counselling.

Many families want to adopt, but do not have the large amount of money it takes to complete a private domestic or international adoption. Some quickly give up the idea of adopting and are left feeling frustrated, overwhelmed, and discouraged. Those who choose to proceed often take out large loans or borrow from family and friends which adds to the financial pressure on the family. Author Julie Gumm shares proven strategies from her own experience as well as from others that include applying for grants, creative budgeting, and fundraising that prospective adoptive parents can use to prepare for and avoid those high costs associated with adoption.