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Forget cash savings. I’d treble my passive income with FTSE 100 dividend shares

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. 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. Simply click below to discover how you can take advantage of this. Enter Your Email Address Our 6 ‘Best Buys Now’ Shares I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Peter Stephens 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge!center_img Peter Stephens | Sunday, 19th January, 2020 Following the global financial crisis, life has been exceptionally tough for savers. Low interest rates have meant generating a passive income from cash savings has been highly challenging.Looking ahead, this situation may persist over the coming years. As such, now could be the right time to invest some of your cash savings in FTSE 100 dividend shares. They offer the potential to treble your income, and also potentially generate capital growth in the long run.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…Low interest ratesAt present, obtaining an inflation-beating income return from cash savings is difficult. In most cases, savers are receiving 1.5% per annum, or less, from their cash balances. This means they require a vast amount of capital to generate even a modest income each year.Meanwhile, the UK’s inflation rate is forecast to stay close to its 2% target over the medium term, while the risks posed by Brexit means that the Bank of England may decide to maintain a loose monetary policy to encourage economic growth. The result of this could be persistently low interest rates that fail to offer a positive real-terms income return for savers.FTSE 100 dividend stocksWith the FTSE 100 currently containing 25 stocks that have dividend yields which are in excess of 5%, it is possible to build a portfolio of shares that together offer an income return that is three times that of cash savings. Furthermore, FTSE 100 companies have a strong track record of rewarding their shareholders through rising dividend payments. This could mean that, with interest rates unlikely to move higher in the next few years, the difference in passive income between a portfolio of FTSE 100 shares and cash savings widens yet further.In addition, FTSE 100 stocks offer the potential to generate capital growth. The index has risen seven-fold since its inception in 1984. This amounts to an annualised return which is in excess of 5%. When this figure is added to its dividend yield, the index could realistically offer high-single digit total returns on an annual basis over the long run.RisksClearly, investing in FTSE 100 shares is far riskier than having cash savings. There is a chance that you will lose money – especially in the short run when share prices may prove to be highly volatile.However, risk can be reduced through diversification. Holding a number of companies that operate in a variety of geographies and sectors may limit your potential losses. And by identifying businesses that have solid balance sheets and strong cash flow, you may be able to reduce that risk still further.As such, from a risk/reward standpoint it may be a good idea to move your capital from cash to shares. It could boost your income return and lead to capital growth in the long run. Image source: Getty Images. “This Stock Could Be Like Buying Amazon in 1997” Forget cash savings. I’d treble my passive income with FTSE 100 dividend shares See all posts by Peter Stephenslast_img read more

Almost Cube House / LAND Arquitectos

first_img Almost Cube House / LAND Arquitectos ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/888298/almost-cube-house-l-a-n-d Clipboard Projects Almost Cube House / LAND ArquitectosSave this projectSaveAlmost Cube House / LAND Arquitectos Year:  “COPY” Area:  212 m² Year Completion year of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/888298/almost-cube-house-l-a-n-d Clipboard “COPY” Manufacturers: EcowallCollaborator Architect:Javier LorenzoSpecialists:DICyPCalculator:Alberto RamírezConstructors:Nicolás Recordon, Rodrigo BustosMateriality:Eco Wall / Pinewood + SIP (Structural Insulated PanelCity:PichilemuCountry:ChileMore SpecsLess SpecsSave this picture!© Sergio PirroneRecommended ProductsWoodParklex International S.L.Wood cladding – FacadeDoorsSaliceSliding Door System – Slider S20DoorsSky-FrameInsulated Sliding Doors – Sky-Frame ArcDoorsJansenDoors – Folding and SlidingAbstraction of the cubeThe projected house is the result of an abstract deformation of a parallelepiped volume that contains a pavilion type plant. The volume and its spaces was designed focus on the section prioritizing the heights in the main spaces of the house. The deformed parallelepiped is completely structured in pinewood with a truss system that delineate the principal lines of the inside spaces reflected in the roof and the exterior façade.Save this picture!© Sergio PirroneSave this picture!SchemeSave this picture!© Sergio PirroneSecond skinAlmost Cube House recognizes the wind factor (in this case the south wind). The project does not seek to eliminate it but to diminish with a second skin of wood slat in three of its facades. This element configure an intermediate space that has continuous circulation towards other zones of the house. This circulation ends in the principal meeting zone where the fireplace and barbecue area are installed. The meeting room is oriented to the north, protected from the wind and optimizing the sunlight. It is covered -not totally- with a wooden skin (a fabric in pine impregnated of 2 x 6 to 15 cms of edge), that evidence the passage of day in a constant change of lights and shadows.Save this picture!© Sergio PirroneSave this picture!© Sergio PirroneShellThe shell or first skin seeks to provide comfort in a protected space, it is developed in SIP (Structural Insulated Panel) for floors, walls and roof, and thermopanel crystals.Save this picture!© Sergio PirroneSave this picture!PlanSave this picture!© Sergio PirroneMaster planThe house is located on a privileged western slope of the coastal mountain range in Punta de Lobos, Pichilemu (IV region), three hours from Santiago. The idea is to optimize the views of the sea, maximizing northern sunlight and protecting from the south wind.Save this picture!Courtesy of L A N DProject gallerySee allShow lessFélix Candela’s Concrete Shells Through Photographs, Architectural Models and PlansArchitecture News11 Houses With Gorgeous Double-Height SpacesArticles Share Architects: LAND Arquitectos Area Area of this architecture projectcenter_img Photographs:  Sergio Pirrone Manufacturers Brands with products used in this architecture project Save this picture!© Sergio Pirrone+ 39Curated by Danae Santibañez Share 2017 Photographs Houses ArchDaily CopyHouses•Pichilemu, Chile CopyAbout this officeLAND ArquitectosOfficeFollowProductsWoodGlass#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesPichilemuChilePublished on February 04, 2018Cite: “Almost Cube House / LAND Arquitectos” 04 Feb 2018. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogAluminium CompositesTechnowoodHow to Design a Façade with AluProfile Vertical ProfilesSynthetics / AsphaltMitrexSolar RoofMetal PanelsAurubisCopper Alloy: Nordic RoyalPlumbingSanifloGreywater Pump – Sanifast®SWH190WoodLunawoodInterior ThermowoodMembranesEffisusAVCL Systems for FacadesSinksCosentinoBathroom Collection – Silestone® WashbasinsDoorsStudcoPocket Door Trims – CavKitWoodStructureCraftEngineering – Architectural & FreeformMetal PanelsRHEINZINKPanel Surface Finish – prePATINA-LineHanging LampsEureka LightingSuspended Lights – BloomMetallicsBaileyFacade Systems- I-Line Snap-On Feature ChannelMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream Chilelast_img read more

Old Ford Road / pH+

first_imgOld Ford Road / pH+Save this projectSaveOld Ford Road / pH+ Landscape: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/943905/old-ford-road-ph-plus-architects Clipboard Area:  850 m² Year Completion year of this architecture project Old Ford Road / pH+ 2020 Architects: pH+ Area Area of this architecture project Save this picture!© Timothy Soar+ 22Curated by Paula Pintos Share Year:  Manufacturers: Aurubis, Glazing Vision, Nemetschek, Wienerberger, Arkay Windows ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/943905/old-ford-road-ph-plus-architects Clipboard Photographs:  Timothy Soar Manufacturers Brands with products used in this architecture project Apartments Main Contractor: M&E Consultants: BD Landscape Architects “COPY” Projects “COPY” CopyAbout this officepH+OfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsEnglandLondonUnited KingdomPublished on August 21, 2020Cite: “Old Ford Road / pH+” 21 Aug 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogAluminium CompositesTechnowoodHow to Design a Façade with AluProfile Vertical ProfilesGlassMitrexSolar GreenhouseMetal PanelsAurubisOxidized Copper: Nordic BrownDoorsEGGERWood Laminate Doors in Molecular Plant Science InstituteStonesCosentinoSurfaces – Silestone® Nebula SeriesWall / Ceiling LightsLouis PoulsenLamp – LP RiplsWood Boards / HPL PanelsBruagRoom Dividers – Partition Wall MDFStonesNeolithSintered Stone – Mar del PlataWindowspanoramah!®ah! SecurityPanels / Prefabricated AssembliesULMA Architectural SolutionsMIS Facade PanelCarpetsFabromont AGTextile Floor Covering – Orbital® 07 COLORpunkt®LightsNorka lightingLuminaire – BelfastMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream Photographs CopyApartments•London, United Kingdom MD Construction United Kingdom Clients:Earth ResidentialEngineering:ADS ConsultancyCost Consultants:NewtonwoodCity:LondonCountry:United KingdomMore SpecsLess SpecsSave this picture!© Timothy SoarRecommended ProductsFaucetsDornbrachtBathroom Fittings – TARAFaucetsAXORBathroom Collection – AXOR MontreuxEnclosures / Double Skin FacadesRodecaRound Facade at Omnisport Arena ApeldoornPlasticsEGGERABS End-Grain EdgingText description provided by the architects. Overlooking Victoria Park, Old Ford Road by pH+ Architects, interprets the language of the wharf buildings along the Hertford Union Canal to create 8 new homes on a complex site in East London. The scale of the scheme, three storeys, topped with a habitable roof level sympathetically responds to the adjacent apartment blocks, continuing their line along the canal. Its distinctive gabled profile echoes the rhythm of the surrounding terraces, while the robust simplicity of its forms, with large openings maximising light to interior living spaces, echo the historic industrial vernacular of the canal area.Save this picture!© Timothy SoarSave this picture!© Timothy SoarThe folding rear façade opens up and frames vistas along the canal, as well as celebrating views over Victoria Park to the north. In contrast, the front façade responds to the more ordered rhythm of the fenestration of the conservation area opposite, with the folding planes creating defensible space as well as defining recessed entrances to each individual dwelling. The serrations continue into the roof form, facilitating the creation of generous private amenity recessed into the slope of the pitches without impacting on the sculptural wharf form.Save this picture!© Timothy SoarSave this picture!Ground floor planSave this picture!© Timothy SoarAll new homes enjoy extensive views out over the Hertford Union Canal and towards Victoria Park, while at ground floor level, the terrace and private garden areas ensure a green edge facing onto the canal is maintained. The sympathetic design on such a prominent and challenging site aims to positively contribute to the surrounding community and encourage biodiversity amongst wildlife to continue the green corridor along the water’s edge.Save this picture!© Timothy SoarProject gallerySee allShow lessMaterializing the Intangible: 8 Memorials Around the WorldArticlesNo More Room for the Living or the Dead: Exploring the Future for Burials in AsiaArticlesProject locationAddress:Victoria Park, Old Ford Rd, London E9 7DE, United KingdomLocation to be used only as a reference. It could indicate city/country but not exact address. Share KUT ArchDailylast_img read more

Text with your nose to fund free IT support services for disabled people

first_img Howard Lake | 7 May 2013 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis  24 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Text with your nose to fund free IT support services for disabled people The Look No Hands! Campaign runs from 13-17 May 2013. AbilityNet aims to raise £20,000 from the campaign. Baroness Martha Lane Fox, the Government’s Digital Champion, is texting with her nose to help promote and fund digital inclusion for disabled people.As patron of AbilityNet, she is supporting the charity’s Look No Hands! Campaign to raise funds for free IT support services for disabled people. “Think about how many texts you’ve already sent today”, she said. “Have you ever considered how challenging such daily tasks would be if you couldn’t use your hands?  This is reality for many disabled people. And that’s why AbilityNet is asking people to text Look132 to 70070 using their nose (or their toes) and make a £2 donation to support AbilityNet’s free services for disabled people.” 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.last_img read more

Shooting attack on TV reporter in São Paulo suburb, police suspected

first_img Edson Ferraz, a TV reporter based in an outlying suburb of São Paulo who had been covering a case of corruption and money-laundering involving local police officers, was the target of a shooting attack on 15 May. He had been warned of possible reprisals the day before the shooting. Reporters Without Borders thinks it was probably linked to his work. Help by sharing this information BrazilAmericas Organisation RSF_en Alarm after two journalists murdered in Brazil News to go further 2011-2020: A study of journalist murders in Latin America confirms the importance of strengthening protection policies Follow the news on Brazil May 13, 2021 Find out more May 19, 2008 – Updated on January 20, 2016 Shooting attack on TV reporter in São Paulo suburb, police suspected Reports RSF begins research into mechanisms for protecting journalists in Latin America Receive email alerts News News Reporters Without Borders hopes the authorities will lose no time in solving a shooting attack on reporter Edson Ferraz of TV Diário (a station affiliated to the privately-owned Rede Globo network) on 15 May in Mogi das Cruzes, an outlying suburb of São Paulo, in which Ferraz was unhurt.The 25-year-old journalist had been covering a case of corruption and money-laundering involving 19 local policemen and had been warned of possible reprisals.“In some respects, Ferraz’s case recalls the murder of Luiz Barbon Filho, a reporter for the Jornal do Porto weekly, the JC Regional daily and Radio Porto FM, a year ago in São Paulo state, in which members of the military police were involved (see 6 March 2008 release),” Reporters Without Borders said. “Given the circumstances of the attack on Ferraz, it could well have been linked to his work and the authorities should investigate within the police.”Ferraz was driving home in Mogi das Cruzes in a car with TV Diário’s logo on the night of 15 May when, at around 10 p.m., two masked men in a black car blocked his way and the driver opened fire twice without hitting Ferraz. They did not try to rob Ferraz, who had received an anonymous call on his mobile the previous day advising him to “take care.”“They wanted to intimidate me,” Ferraz told the newspaper O Estado de São Paulo. “If they had wanted to kill me, they would have got out of their car and would have fired from closer range.” Ferraz immediately reported the attack to his TV station and the local military police. He left the town the next day with his family. The car used in the attack was found on the outskirts of Mogi das Cruzes on 17 May.Ferraz had just done several reports on cases involving the police. One was the arrest of 13 members of the Armed Group for the Repression of Robberies and Attacks (Garra) in April on charges of extorting money from procurers, trafficking in stolen car parts and theft of slots machines. Garra chief Eduardo Peretti Guimarães, who was one of those charged, denied any role in the attack on Ferraz.Ferraz had also been covering the case of two Mogi das Cruzes police officers suspected of stealing equipment from a pirate radio station, and he had exposed an attempt by four local police officers to extort money from a bakery. The authorities in charge of investigating the attack on Ferraz promised to carry out an internal investigation. The National Federation of Journalists and the São Paulo Union of Journalists called it an “attack on press freedom.” BrazilAmericas April 27, 2021 Find out more April 15, 2021 Find out morelast_img read more

No motive for murder established yet as investigation intensifies

first_img TAGSfeaturedfull-imagemurderMusic Limerick Andrew CareySign up for the weekly Limerick Post newsletter Sign Up [email protected] together with a number of items have been seized from an apartment by Gardai in connection with a murder investigation ongoing in Limerick City after a 65-year-old man was found unconscious at an apartment in Mount Kennett in the early hours of last Sunday morning.The murder investigation was launched 18 hours after Patrick Redmond was found with a single stab wound to the back in a first floor apartment. He died a few hours later from the stab wound received to his back.Mr Redmond, a separated father of three grown up daughters, is originally from Dublin but had been living in Limerick for some time. He moved here over ten years ago.After Gardai received a call to the Mount Kennett block, Mr Redmond was found in an unconscious state at 2am in a neighbours first floor apartment and was rushed to the University Limerick hospital but died shortly after 8am.It is understood that the murder victim did not have any criminal record and had been recently discharged from hospital after a period of ill health.Described as a frail man, Mr Redmond was the victim of a burglary at his city centre apartment some weeks ago and had suffered minor injuries but Gardai do not believe this to be connected to his deathA recovering alcoholic, Mr Redmond had spent some time in sheltered and supported accommodation before moving to his Mount Kennett address.The Simon community had been providing a daily ‘meals on wheels’ service to Mr Redmond in recent weeks.Following a period of detention to conduct technical and forensic examinations, two apartments in the apartment block on the first floor were released from Garda cordon.A number of items were seized by detectives investigating the incident and one of those is thought to be the murder weapon.A woman, described by Gardai as a “person of interest” presented to the Henry Street Station on Monday and was assisting detectives with their enquiries and the investigation.No arrests have been made as of yet but Gardai are pursuing a number of lines of inquiry Including one that is linking the murder to a possible domestic issue.The death of Mr Redmond comes as a shock to the community as a 22-month period had passed without a murder in Limerick city.The victim’s daughters and estranged wife are said to be devastated and traveled to Limerick in the wake of his death.The investigation is ongoing and intensifying according to senior detectives who are trying to eliminate all suspects to get the perpetrator of the violent crime. Twitter #SaucySoul: Room 58 – ‘Hate To See You Leave’ Facebook Emma Langford shortlisted for RTE Folk Award and playing a LIVE SHOW!!! this Saturday Advertisement NewsNo motive for murder established yet as investigation intensifiesBy Staff Reporter – November 12, 2013 540 Email Printcenter_img WhatsApp RELATED ARTICLESMORE FROM AUTHOR Linkedin #HearThis: New music and video from Limerick rapper Strange Boy Previous articleParents stand by crèche prosecuted by HSENext articleTeenager deemed fit for trial at Circuit Criminal Court Staff Reporterhttp://www.limerickpost.ie No vaccines in Limerick yet Walk in Covid testing available in Limerick from Saturday 10th April Celebrating a ground breaking year in music from Limerick last_img read more

Stop “sinful” demolition of houses

first_imgFacebook Linkedin NewsLocal NewsStop “sinful” demolition of housesBy John Keogh – September 25, 2014 799  by Kathy [email protected] up for the weekly Limerick Post newsletter Sign Up MOYROSS parish priest Fr Tony O’Riordan is calling on the Government to intervene in what he describes as the “ludicrous house demolition policy of Limerick City Council”.The priest says that the ongoing demolition of houses in Moyross and other areas in Limerick “is madness, sinful and must stop” as hundreds of families in the city and county are in urgent need of housing.“We are in the midst of a national housing crisis, yet I witnessed today the demolition of two more houses in the Moyross Estate in Limerick. This adds to the over 400 houses demolished in recent times and with close to a hundred more houses boarded, my fear is that this valuable housing stock will be demolished without due consideration of the changed context since this policy was first conceived over seven years ago,” Fr O’Riordan said this week.He suggested that “with modest investment” most of the boarded houses “could provide a decent home” for homeless Limerick families.Fr O’Riordan is calling for an “immediate moratorium on all demolitions” to assess how many houses can be brought back into use.He pointed out that just 11 family homes have been delivered in the Moyross area, while more than 400 houses have been demolished.“We are in the midst of a homelessness crisis in this country,” warned Fr O’Riordan.“Increasingly the lack of social housing is seen as a major contributory factor and the increase of availability of social housing is seen as part of the problem.“In fact, the Tánaiste has said on a number of occasions that local authority houses that are boarded up or void must be brought back into commission.”Fr O’Riordan has urged the Tánaiste Joan Burton and Environment Minister Alan Kelly to demand a moratorium on demolition by Limerick City “until a review can be carried out taking account of current levels of homeless families and urgent cases on the housing list in the city”.He concluded: “Such a review should identify a clear policy of reinstating boarded up houses as homes and demolition should be a policy of the past. The delay in providing new houses needs to be examined also and delays eliminated.” Print TAGSEnvironment Minister Alan KellyFr Tony O’RiordanHousingLimerick City and County CouncilMoyrossTanaiste Joan Burton Limerick city house prices rise 4.9% as time to sell falls Email O’Donnell Welcomes Major Enhancement Works for Castletroy Neighbourhood Park RELATED ARTICLESMORE FROM AUTHORcenter_img Previous articleThe Limerick priests who served and died in the First World WarNext articleLimerick animal rights supporters deflated as Council skips circus vote John Keoghhttp://www.limerickpost.ie WhatsApp New parklet changes Catherine Street dining experience Advertisement Limerick county house prices to rise 5% in 2021 Limerick’s O’Connell Street Revitalisation Works to go ahead Mortgage payment break for local authority home loan borrowers will be extended by a further three months Twitterlast_img read more

Storm season is rolling in

first_img Facebook Facebook WhatsApp Twitter Pinterest Twitter Insurance Council of Texas. Local NewsBusiness Storm season is rolling in The storm in Odessa that shattered windshields, dented cars and tore up roofs in June 2017 proved the costliest hail storm in Texas last year. Even though it was no Hurricane Harvey, which was the most expensive weather event in Texas history, Odessa’s hail storm set a local record with the estimated $480 million worth of damage it caused.Now, as the spring storm season arrives, the Insurance Council of Texas trade association encouraged home and vehicle owners to prepare should it bring more catastrophic weather.“Odessa’s hail storm was the biggest hail storm in the state last year,” insurance council spokesman Mark Hanna said.About half of the estimated damage came from cars, the trade association estimated. The remaining half was damage to homes.Even today, local insurance agents are still handling claims related to the June 14 hail storm.State Farm Agent Jason Yeley said his office is still working on about a fourth of the claims related to the hail storm — in most cases because the policyholders decided they could get a better deal or better work if they waited on repairs, and because their level of property damage gave them that option.Hanna and Yeley offered tips for people to prepare for the storm season and, if more bad weather strikes, how to handle damage to homes and vehicles:Understand your insurance policy, including what property is covered, the level of coverage and the deductible. Make sure you know your insurance agent and that they have up-to-date information.In some cases last year, Yeley said some policyholders hadn’t talked to their agent in years, which hamstrung payments because of out-of-date property information.“The main thing is that by keeping your information up-to-date, you are not going to have as many problems as someone who didn’t,” Yeley said.Report damage early, before beginning repairs. Especially in a major weather event causing widespread property damage, early claims lead to faster results. Document storm damage and keep receipts of any emergency repairs to prevent further damage before permanent repairs can be made.Be leery of “storm chasers” who solicit repair work after a storm and who may end up fleecing homeowners after storms with false damage assessments, shoddy work or fraud. Report damage to the insurance company to get an adjuster out quickly, do not pay for repairs up front and do not let solicitors on your roof.“That’s always a concern because people get ripped off every year after every storm,” Hanna said, adding that people should “just go local. Deal with people who have been here 20, 30 years. They’ve built up a good reputation… You know where they are going to be tomorrow.”More Information Pinterest Previous articleGilliams win top A&M honorNext articleFive things you need to know today, March 23 admin RELATED ARTICLESMORE FROM AUTHOR Safelite’s Alex Ferretiz removes a broke windshield from a customers vehicle July 12, 2017, at the customers home. Odessa’s June 2017 hail storm set a local record with the estimated $480 million worth of damage it caused. Upside Down Blueberry Pie CheesecakeTexas Fried ChickenFruit Salad to Die ForPowered By 10 Sec Mama’s Deviled Eggs NextStay WhatsApp Home Local News Business Storm season is rolling in Rattler Midstream: 4Q Earnings Snapshot Snap Inc. to Participate in the Morgan Stanley Technology, Media & Telecom Conference 2021 Octopus Energy U.S. to Discount Customers’ Bills by as Much as 90% By admin – March 23, 2018 last_img read more

ELAM: Let’s kill the golden goose

first_imgIn the PipelineDennis Elam By Dennis Elam – April 25, 2021 WhatsApp Previous articleMASTER GARDENERS: Old-fashioned perennial blooms larger and longerNext articleGOOD NEWS: Sul Ross coach accepts head men’s soccer position at McMurry Dennis Elam Twitter WhatsApp Twitter Pinterestcenter_img Pinterest ELAM: Let’s kill the golden goose TAGSDennis Elamenergygasoil Facebook Dennis Elam is an associate professor at Texas A&M San Antonio and a 1966 graduate of Andrews High School and blogs at https://professorelam.typepad.com/markets/ Stocks dropped on news reports that President Biden is considering nearly doubling the capital gains taxes on the wealthy.Gains Tax Talk Hits Stocks, WSJ todayThe tale has given rise to the idiom ‘killing the goose that lays the golden eggs’, which refers to the short-sighted destruction of a valuable resource, or to an unprofitable action motivated by greed.The Goose That Laid the Golden Eggs.Congress sees a group making what it considers exorbitant profits. It quickly passes legislation to confiscate those profits, of course knowing better how to spend other people’s money. This invariably happens near the end of mania in some asset category. And then, surprise, the legislation never collects the taxes that were envisioned.Okay what mania does that paragraph describe? It could be the current record stock market but instead I am thinking of the 1980 Windfall Profit Tax Act. In fact, the illusory windfall was due to the oil companies literally selling all their inventory during the Second Embargo. The oldest inventory was at the very oldest prices, known as LIFO treatment, below the first embargo prices of 1972.The effect on the Permian Basin was near immediate. Oil prices peaked in 1981. Positive social mood caused the First National Bank of Midland to block off Wall Street for a year to add ten stories to its downtown office building. Quietly Exxon and Amoco both closed their large office buildings in Andrews. By 1986 the oil price had fallen from the mid 30s to $12. Real Estate prices collapsed along with the Savings and Loan Industry. First National of Midland went bust and was taken over by NCNB, later dubbed No Cash for Nobody. But that is the way manias usually end.This tax grab is another historic indicator that the market rally is on borrowed time. We still expect a top this summer.The number of new stock price highs takes nine columns while new lows account for just one. A front page article describes how three out of work photographers attempted to make a fortune trading stocks online. Again the social mood clues abound.Business is recovering air travel is resuming, and positive economic predictions abound. One result of the pandemic has been the work from home dynamic now adopted by many businesses. The result is an explosion in For Sale, For Lease signs for commercial office property. The same thing is happening there that occurred with enclosed shopping malls.Crude oil remains above $60. As demand increases, WTIC may well hit $70 + this summer. Facebooklast_img read more

CFPB Complaint Report Cites Problems With Loan Mod Process

first_img CFPB Complaint Report Cites Problems With Loan Mod Process Servicers Navigate the Post-Pandemic World 2 days ago About Author: Brian Honea In the third edition of the monthly complaint snapshot released Tuesday, the Consumer Financial Protection Bureau (CFPB) turned its focus on its most complained-about financial product—mortgages—to take a closer look at the problems consumers are facing with mortgage servicing.The Bureau received 25,732 complaints in August 2015, and 4,574 of those (17.7 percent) were about mortgages, making it the third-most complained about category behind debt collection (29 percent) and credit reporting (22 percent). The CFPB reported that it received 972 fewer complaints in August than it did in July.For August 2015, the CFPB examined problems consumers face with mortgage servicing in certain circumstances. More than half of those complaints about mortgages (53 percent) had to do with problems consumers faced when they were unable to make payments, particularly when applying for a loan modification to avoid foreclosure. Ambiguity and/or delays in the loan modification process were a frequent subject of the complaints, while others said they were not considered for all loss mitigation options available, they were incorrectly denied a modification, or the terms of the modification were unfavorable. Still others complained of frequent changes in the single point of contact or that the servicer pursued foreclosure proceedings while the loan mod application was pending (known as dual-tracking).”Despite strong protections that have been put in place to protect homeowners, this month’s complaint report shows consumers are still having problems when dealing with their mortgages.”The CFPB began accepting complaints from consumers about financial products shortly after opening its doors in July 2011. As of September 1, 2015, the Bureau had received 702,900 complaints in slightly more than four years, and about 192,500 (27.3 percent) of those complaints have been about mortgages, making it overall the most complained-about category. The mortgage market is the largest consumer financial marketplace in the country with more than $10 trillion in total value. The CFPB enacted new mortgage rules in 2014 to ensure strong consumer protections and also ensure that lenders offered affordable mortgages to consumers.”Despite strong protections that have been put in place to protect homeowners, this month’s complaint report shows consumers are still having problems when dealing with their mortgages,” CFPB Director Richard Cordray said. “The Bureau will continue to work to make sure that consumers are being treated fairly on their mortgage issues.”About 30 percent of consumers’ mortgage complaints expressed confusion and frustration with regards to the payment process when loans are transferred, citing unexpected payment increases, difficulty determining who should be paid, or that the borrower was not informed that the loan was being transferred. Some borrowers said the transfer was even more problematic when it occurred when the borrower had a loan modification pending or foreclosure proceedings were in the works; some consumers stated that had they would not have lost their homes if the loan transfer had not occurred.Click here to view the CFPB’s complete monthly complaint snapshot for August 2015.The CFPB’s consumer complaint snapshot had generated some controversy. In late August, the National Association of Federal Credit Unions (NAFCU) wrote a letter to the CFPB recommending that the Bureau cease publishing the monthly snapshot, saying that the analytics are not based on an industry-wide collection of data; they provide only an “insular view of market-data based only on complaint information that the CFPB receives” and therefore do not paint a complete picture. NAFCU stated that the CFPB is incorrectly characterizing the narratives submitted online as statistically relevant “trends and analyses, according to Kavitha Subramanian, Regulatory Affairs Counsel for NAFCU.(Editor’s Note: The Five Star Institute and Black Knight Financial Services published a study in April adding more context to the complaints received in the CFPB’s database. The Five Star Institute is the parent company of DS News and DSNews.com.) September 23, 2015 4,051 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Tagged with: avoiding foreclosure CFPB Consumer Complaint Snapshot Loan Modifications Mortgage Complaints Demand Propels Home Prices Upward 2 days ago avoiding foreclosure CFPB Consumer Complaint Snapshot Loan Modifications Mortgage Complaints 2015-09-23 Brian Honea Share Save Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / CFPB Complaint Report Cites Problems With Loan Mod Process in Daily Dose, Featured, Market Studies, News  Print This Post Previous: Former Fannie Mae Executives Settle With SEC Over Subprime Exposure Claims Next: Share of First-Time Buyers on Agency-Backed Loans Rises, But So Does Risk Subscribelast_img read more

Nepal’s House Of Representatives Unanimously Pass Constitution Amendment Bill Changing Its Political Map In Emblem Incorporating Indian Territories [Read Bill]

first_imgNews UpdatesNepal’s House Of Representatives Unanimously Pass Constitution Amendment Bill Changing Its Political Map In Emblem Incorporating Indian Territories [Read Bill] LIVELAW NEWS NETWORK14 Jun 2020 1:39 AMShare This – xThe recent unanimous passing of a Constitution Amendment Bill by Nepal’s House of Representatives has generated a furore.Article 9 of the Constitution of Nepal defines the coat-of-arms (emblem) of Nepal. It is displayed in in Schedule-3 of the Constitution. Yesterday, the House of Representatives of Nepal has passed the amendment made to this Schedule by a two thirds majority. It is reported…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe recent unanimous passing of a Constitution Amendment Bill by Nepal’s House of Representatives has generated a furore.Article 9 of the Constitution of Nepal defines the coat-of-arms (emblem) of Nepal. It is displayed in in Schedule-3 of the Constitution. Yesterday, the House of Representatives of Nepal has passed the amendment made to this Schedule by a two thirds majority. It is reported that 258 votes were cast in favour of the amendment bill and no vote was cast against the bill. Now the bill has been tabled in the National Assembly.This amendment seeks to change the political map in the Coat of Arms by incorporating Limpiyadhura, Lipulekh and Kalapani in Nepal’s map. These places are claimed by India to be part of Indian Territory. The picture in left is the existing map and that on the right is the one proposed by the amendment. (See the change marked by a red circle) Constitution of NepalThe Constitution of Nepal came into force on 20 September 2015. It defines the country as an independent, indivisible, sovereign, secular, inclusive, democratic, socialism oriented, federal democratic republican state. The country was earlier a Hindu Monarchy.Click here to Read/Download Constitution Amendment BillRead BillNext Storylast_img read more

Investigation launched into overnight shooting in Derry

first_img WhatsApp Facebook WhatsApp RELATED ARTICLESMORE FROM AUTHOR Journey home will be easier – Paul Hegarty Twitter Homepage BannerNews Google+ A man has been injured in an overnight shooting in Derry. Detectives are appealing for information following the incident which happened in the Southway area of the city.A man in his 30s was shot in the leg shortly before 7:30pm and he has since been taken to hospital for treatment to his injuries.In a statement, Detective Sergeant Burns said that enquiries are continuing and at this stage, police are treating this shooting incident as a paramilitary style assault.”Those responsible for this barbaric act do not represent the interests of this community, nor do they contribute anything to it. They do it to try and exert influence, or gain control of those they claim to represent.”Police are appealing for anyone with information to contact them on 101. Important message for people attending LUH’s INR clinic Twitter Investigation launched into overnight shooting in Derrycenter_img Pinterest Arranmore progress and potential flagged as population grows Google+ Facebook News, Sport and Obituaries on Monday May 24th Harps come back to win in Waterford DL Debate – 24/05/21 Previous articleTUI says it won’t be safe to reopen schools for Leaving Cert studentsNext articleTwo boys injured in quad bike crash in west Donegal News Highland Pinterest By News Highland – January 7, 2021 last_img read more

‘Drive through vaccines’ begin in Letterkenny

first_imgAudioHomepage BannerNews Previous articleSeveral Fianna Fail TD’s strongly criticise pace of vaccination programmeNext articleHarps and Derry draw pre-season friendly News Highland Community Enhancement Programme open for applications Nine til Noon Show – Listen back to Monday’s Programme Facebook Google+ ‘Drive through vaccines’ begin in Letterkenny Twitter Pinterest WhatsApp Pinterest Important message for people attending LUH’s INR clinic center_img RELATED ARTICLESMORE FROM AUTHOR Facebook Arranmore progress and potential flagged as population grows Twitter News, Sport and Obituaries on Monday May 24th Google+ ‘Drive through vaccines’ have begun in Letterkenny with over 100 people over the age of 80 getting the jab in the comfort of their car yesterday. The operation got underway yesterday morning at the facility set up in McGinleys multi-storey car park on Pearse Road and included three doctors and five vaccinators.The innovative facility was set up by the well renowned Scally McDaid Roarty Medical Practice.Patients just had to roll down their window, roll up their sleeve, get the jab and wait a further 15 minutes for observation.Dr. James McDaid says so far its been a big success:Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2021/03/jimmy1pm-2.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume.Maggie whose 81 year old mother Helen got the jab at the drive through facility yesterday:Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2021/03/maggie10am.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Loganair’s new Derry – Liverpool air service takes off from CODA WhatsApp By News Highland – March 4, 2021 last_img read more

e-biz in brief: calling all job seekers – mobile vacancy link

first_img Previous Article Next Article Comments are closed. 4Weeks is a WAP-enabled job search facility for IT professionals. Using wireless application protocol (WAP) technology, IT staff can receive information about the latest permanent and contract job vacancies via their mobile phones. The name “4weeks” derives from the concept that the web site can match IT professionals who are able to start work in the next four weeks.www.4weeks.com Recruiters needed to supply reliable dataAre you interested in web recruitment? Do you want to benchmark your organisation against others in the same sector? Personnel Today and totaljobs.com are setting up a regular survey to provide reliable data on web recruitment activity and we are looking for recruiters to join the new panel. To participate, it is not essential that you are already using the Internet to recruit employees. If you are interested in joining, e-mail your name, job title, company name and telephone number to [email protected] Army careers force is ready to serveThe British Army has introduced an on-line careers office. Potential recruits can have a live on-line chat with army careers advisers about general vacancies or else ask a specific question relative to their own career plans. The army site can also send more tailored information to the potential applicant’s screen.www.army.mod.uk  Consultants provide support to set up siteDareStep is a consultancy that aims to help launch e-businesses. Set up by the IT services and management consultancy Cap Gemini Ernst & Young, it is aimed at traditional businesses and dotcoms and will provide creative and interactive design services, supported by its parent company’s IT and business acumen and strategic expertise.www.capgemini.com Book your place at convention on-linePotential delegates for the E-business Convention, which takes place on 6 and 7 September at The Cumberland Hotel in London, can pre-register at the web site and indicate their preference for the five streams available. The five options are: e-trading, e-CRM (e-Customer Relations Management), e-Backoffice, e-Intelligence and e-Commerce. Delegates then answer further questions on what they expect from the show.www.ebusiness-convention.com Related posts:No related photos. e-biz in brief: calling all job seekers – mobile vacancy linkOn 8 Aug 2000 in Personnel Todaylast_img read more

CBI concerned over lack of skills funds

first_imgThe Confederation of British Industry (CBI) has expressed concern over theGovernment’s failure to reform funding to make post-16 education more flexibleand responsive to local needs when it launched its national skills strategy inJuly. The strategy, which was launched amid fanfare and summer heat on 9 July atthe London Eye came with no immediate promise of extra funds to raise the levelof adult skills in England. The central message of 21st Century Skills: Realising Our Potential was forthe system of post-16 education in England to be truly ‘demand-led’ – plannedstrategically to meet the needs of UK plc. But employers, particularly inengineering, had been hoping for additional money to expand the programme ofModern Apprenticeships. While broadly supporting the strategy, the CBI was disappointed that theallocation of budgets for post-16 education remained highly centralised. CBI senior policy adviser Maniza Ntekim said 80 per cent of individualLearning and Skills Councils’ budgets goes straight to providers. “Locally Learning and Skills Councils only have 1-2 per centdiscretion. To really make a difference that needed to be freed up,” shesaid. “One of the areas we thought the Government could have gone furtherwith was funding reforms,” continues Ntekim. “Funding is key tochanging the system, making it more responsive and more demand-led.” Andrew McCoshan, director of international learning and skills consultancyEcotec Research and Consulting said that funding still goes through users:”If the young people going through the college door want to behairdressers, then the college provides hairdressing courses, even if what thelocal economy really needs is engineers. That means the funding has not been intune with what the local economy needs. “The skills strategy attempts to make the system more employerdriven,” he said. “It’s always been hard to get mainstream fundingmore employer-driven, so if [the Government] can crack that, it would begreat.” By Margaret Kubicek Related posts:No related photos. CBI concerned over lack of skills fundsOn 1 Sep 2003 in Personnel Today Comments are closed. Previous Article Next Articlelast_img read more

Growth predicted for significant pockets of the UK

first_imgUK house prices grew by 1.7% in the year to January 2019, down from 2.2% in the year to December 2018 – the lowest annual growth for the UK since June 2013, when house prices increased by 1.5%.House price growth was strongest in Wales where prices increased by 4.6% in the year to January 2019, followed by the East Midlands region, increasing by 4.4%. The lowest annual growth was in London, where prices fell by 1.6% over the year to January 2019, down from a fall of 0.7% in December 2018. This was followed by the East of England where prices fell 0.2% over the year, its first fall over the year since October 2011.The Bank of England’s inflation report for February 2019 noted that activity in the housing market has been subdued. They report the slowdown has been sharpest in the London market which has probably been disproportionately affected by regulatory and tax changes, and by lower net migration from the EU. London house price inflation was also materially above income growth between 2014 and early 2016, reducing affordability.The Royal Institution of Chartered Surveyors’ (RICS) January 2019 UK Residential Market Survey results continue to signal a subdued market, with enquiries, sales and new instructions all falling further over the month. At the headline level, new buyer enquiries fell for the sixth successive monthly with demand also softening across most of the UK.The UK Property Transactions Statistics for January 2019 showed that on a seasonally adjusted basis, the number of transactions on residential properties with a value of £40,000 or greater was 101,170. This is 1.3% higher than a year ago. Between December 2018 and January 2019, transactions increased by 0.8%.The Bank of England’s Money and Credit latest release showed that mortgage approvals for house purchase (an indicator of future lending) increased in January to 66,800, slightly above the average of the previous six months of 65,500.Headline statistics for January 2019Average price of a property in the UK was £228,147Annual price change for a property in the UK was 1.7%Monthly price change for a property in the UK was -0.8%Monthly index figure (January 2015 = 100) for the UK was 119.7Shaun Church, Director at Private Finance said, “While buyers can currently expect to purchase at a reduced price in London, the opposite can be said for the rest of the UK with continued growth across the majority of regions, suggesting there are plenty of investment opportunities elsewhere. The Midlands in particular stands out as a region for investment, with house prices growing by around 4%. Amongst the headlines of falling house prices, it’s therefore important not to overlook the fact that significant pockets of the UK continued to be poised for growth.”housing market Private Finance Shaun Church The Bank of England’s inflation report The Bank of England’s Money and Credit UK house prices UK Property Transactions Statistics UK Residential Market Survey March 21, 2019The NegotiatorWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021 Home » News » Housing Market » Growth predicted for significant pockets of the UK previous nextHousing MarketGrowth predicted for significant pockets of the UKWhile buyers can currently expect to purchase at a reduced price in London, the opposite can be said for the rest of the UK, says analyst.Sheila Manchester21st March 201902,143 Viewslast_img read more