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Why the 2020 stock market recovery could be your chance to get rich and retire early

first_img Image source: Getty Images. Why the 2020 stock market recovery could be your chance to get rich and retire early 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. An uncertain economic future may lead some investors to doubt whether a stock market recovery can take place after the recent crash. Certainly, there’s been a rebound in the share prices of many companies after their March lows.However, risks such as an ongoing threat from coronavirus could mean some investors doubt the long-term growth prospects for the stock market.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…Despite an uncertain economic future, low valuations on offer across many industries mean that shares could deliver higher returns than other mainstream assets. As such, a portfolio of stocks could boost your financial prospects and increase your chances of retiring early.The prospects for a stock market recoveryThe chances of a stock market recovery often appear to be remote during periods of economic difficulty. It was the same in previous declines, such as the tech boom and the global financial crisis. Even as stock prices rebounded and gradually increased following those declines, risks were still present that could curtail their progress.This led many investors to wait for more subdued economic conditions before buying shares, thereby missing out on the most attractive buying opportunities.It’s a similar story right now. Risks such as further incidences of coronavirus and political uncertainty in Europe and the US towards the end of 2020 may cause volatility to rise. However, over the long run, investing in shares has proved to be a sound means of generating relatively high returns.The capacity of indexes such as the FTSE 100 and S&P 500 to recover from their difficulties is high, and means that a stock market recovery from the 2020 crash is a likely outcome.The threat of a second market crashThe threat of a second market crash, and investor uncertainty regarding a market recovery, means that many stocks continue to trade on low valuations. When coupled with the ongoing risks facing the world economy, this could make today an opportune moment to build a portfolio of shares due to the existence of wide margins of safety.Undervalued shares appear to offer greater return potential than other assets such as cash and bonds over the long run. Similarly, high valuations in the property market mean that the scope for impressive total returns compared to equities may be relatively low.Therefore, investors who have a long time horizon may wish to commit a large proportion of their capital to stocks at the present time. Even if share prices come under pressure in the short run from the aforementioned risks, over the long term major indexes have generally posted total returns that are in the high-single digits.Through buying undervalued shares today, you may even be able to generate market-beating returns that make a positive impact on your retirement date. Peter Stephens | Sunday, 16th August, 2020 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! See all posts by Peter Stephens Simply click below to discover how you can take advantage of this. Enter Your Email Address “This Stock Could Be Like Buying Amazon in 1997” 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. Our 6 ‘Best Buys Now’ Shareslast_img read more

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Country House in Santa Eulalia / René Poggione González, Susel…

first_imgArchDaily Area:  180 m² Photographs CopyAbout this officeRené Poggione González, Susel Biondi Antúnez de MayoloOfficeFollowProductsWoodStone#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesHousesLejonaSpainPublished on December 20, 2010Cite: “Country House in Santa Eulalia / René Poggione González, Susel Biondi Antúnez de Mayolo” 20 Dec 2010. ArchDaily. Accessed 12 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogMetal PanelsAurubisMill Finished Copper: Nordic StandardWindowsMitrexSolar WindowAluminium CompositesTechnowoodHow to Design a Façade with AluProfile Vertical ProfilesBulbs / SpotsCocowebLighting – Compact Gallery White TracklightConcreteKrytonCrystalline Waterproofing – KIMSealantsEffisusCrossing Perforations on RoofsWall / Ceiling LightsLouis PoulsenLamp – LP RiplsTiles / Mosaic / GresiteMargresPorcelain Tiles – Linea CosmosWood Boards / HPL PanelsInvestwoodValchromat Panels for Interior DesignWindowspanoramah!®ah! MotorisationHingesSaliceHinges – PactaDrawers / Filing Cabinets / ShelvesBeneStorage Partition – PORTS StorageMore products »Read commentsSave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 Save this picture!© Michelle Llona R+ 20 Share Houses Photographs:  Michelle Llona RText description provided by the architects. This clean and simple two story house is situated within its landscape. Constructed on land that used to be a fruit garden, the views from the house feature tree groves beyond, mango, peach, avocado, and lucuma. Located 55 kilometers East of the city of Lima, this country house in Santa Eulalia sites 1,200m above seas level, between the mountains.  Follow the break for more photographs and drawings. Save this picture!© Michelle Llona RRecommended ProductsFiber Cements / CementsULMA Architectural SolutionsPaper Facade Panel in Leioa School RestorationDoorsStudcoAccess Panels – AccessDorFiber Cements / CementsApavisaTiles – Nanofusion 7.0DoorsGorter HatchesRoof Hatch – RHT AluminiumThe first floor is made of stone, like the traditional stone walls called “pirkas” that shape the Peruvian mountain landscape. The living area is one single space complete with living room, dining room and kitchen altogether, next to the wooden terrace that lies over the creek. Save this picture!© Michelle Llona RThe second floor is wooden, from sustainable sources, recreating the colors and the skyline from the mountains that surround the valley. The bedrooms make up this floor, as if it were an attic where a group of friends decided to spend the night. Save this picture!© Michelle Llona RWith mild weather throughout the year, the house was designed to gain heat from the sun during the warm days and save it for the cool nights. It has natural cross ventilation throughout the house, and views framing the valley, the mountains and the garden. There is one special window in the master bedroom to watch the moon and the stars at night, and the first rays of sun in the mornings hitting on the mountaintops. Solar heaters warm the water for the house and the pool, waste water is locally treated and after that filtered through the ground to water the main trees.Save this picture!© Michelle Llona RProject gallerySee allShow lessDirichlet Modular Decomposition / Arthur TothArticlesLondon Vibe Cuboid / Ahmed ZayedArticles Share Country House in Santa Eulalia / René Poggione González, Susel Biondi Antúnez de Mayolo Projects “COPY”center_img Country House in Santa Eulalia / René Poggione González, Susel Biondi Antúnez de MayoloSave this projectSaveCountry House in Santa Eulalia / René Poggione González, Susel Biondi Antúnez de Mayolo ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/97285/country-house-in-santa-eulalia-rene-poggione-gonzalez-susel-biondi-antunez-de-mayolo Clipboard “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/97285/country-house-in-santa-eulalia-rene-poggione-gonzalez-susel-biondi-antunez-de-mayolo Clipboard Spain CopyHouses•Lejona, Spain Architects: René Poggione González, Susel Biondi Antúnez de Mayolo Area Area of this architecture projectlast_img read more

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Funding call announced for older peoples projects in Ireland

first_img  38 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Funding call announced for older peoples projects in Ireland Tagged with: Funding Ireland 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. The Community Foundation for Ireland has opened another round of funding for projects which support older people.The Older Persons’ Fund will provide grants of up to €7,500 to organisations working towards the inclusion of older people in active citizenship roles and the same level of grant for supporting older peoples’ engagement in advocacy.The Older Person’s Fund says it is seeking to realise the benefits of changing demographics by building a long term sustainable fund to support older people’s voices at a local and national level and their capacity to engage fully in all strands of society.In line with this goal, the mission of The Older Persons’ Fund will be to support strategic community based and national activities promoting older people as active citizens and advocates – including influencing policy, community decision-making processes, leadership, negotiation and other ways to give greater “voice” to older people.The Older Persons’ Fund was set up with an initial investment of €3m provided by the Community Foundation (€1m) and The Atlantic Philanthropies (€2m).Full criteria for the Fund can be found on the Community Foundation for Ireland’s website along with the online application form.The deadline for applications is the 16 September 2016.  37 total views,  1 views today Advertisement Howard Lake | 15 August 2016 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThislast_img read more

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Visualisation of thematic trends in funding wins 360Giving challenge

first_img A visualisation of the thematic trends in funding has won the 360Giving Data Visualisation Challenge.The competition launched earlier this year, run by 360Giving and funded by the Big Lottery Fund. It offered cash prizes for new, creative uses of the 360Giving open dataset, which provides information on over 290,000 grants worth £24 billion from 92 funders including the Big Lottery Fund, Comic Relief and the Wellcome Trust.Announced on 21 September, data visualisation engineer from Barcelona, Xavi Gimenez won the first prize of £6,000 for using a type of natural language processing to discover the funders of hidden themes from the documents and structured data available via 360Giving’s GrantNav platform about grants made since 1998. Main image: from Xavi Gimenez’s winning entry.  169 total views,  1 views today  170 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis7 AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis7 Tagged with: competition data databases Funding About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com. Visualisation of thematic trends in funding wins 360Giving challenge The second prize of £4,000 went to Victòria Oliveres for her From funder to user visualisation, which mapped grants to user-led organisations, while the third prize of £2,000 was awarded to Funding trends by Oliver Carrington and João Silva, which is an interactive web app visualising data from 360Giving and the Charity Commission to present key funding trends and a dedicated dashboard for each of over 70 funders.The fourth prize of £750 went to Suraj Vadgama’s Slice & Dice: a tool to explore GrantNav searches visually. A Special Judges Award, and two Creative Mentions also received prizes of £2,000 and £750 respectively, while the remaining 28 entries received were awarded between £100 and £500 for their work.Will Perrin, Chair of the judging panel, said:“Xavi’s beautiful visualisation allows you to leap right into large complex datasets and understand what’s been funded. Underneath the interactive graphics lies some excellent coding and Xavi’s talent demonstrates the power of open grants data.”Judge Lucy Bernholz, Senior Research Scholar at Stanford University’s Center on Philanthropy and Civil Society, Director of the Digital Civil Society Lab and author, added:“From forests of grantmakers to emoji-based trend analysis, the 360Giving data visualisation challenge reveals a creative public interest in even the most basic financial data on philanthropy. Applicants tried many things from topic modeling to scissors and paste to communicate the size, reach, age and interests of grantmakers in the UK. A great start – I hope this visualisation challenge successfully provokes more questions, more data and more engagement with the information.” Melanie May | 25 September 2018 | Newslast_img read more

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The Most Wonderful Time of the Beer

first_imgCover Story The Most Wonderful Time of the Beer From STAFF REPORTS Published on Tuesday, October 6, 2015 | 12:00 pm More Cool Stuff First Heatwave Expected Next Week Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Name (required)  Mail (required) (not be published)  Website  13 recommended0 commentsShareShareTweetSharePin it Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Community News Top of the News Stu n band lined upStu w starburst backgroundIf visions of beer glasses dance in your head every October, there’s good news for you. Grab your favorite stein and maybe a wench or two and celebrate Oktoberfest at Matt Denny’s on Saturday October 10th.This year, Matt Denny’s has moved their Oktoberfest from Sunday to Saturday, which is good news for you. Enjoy the Oom Pah Pah band, indulge in German food and drink “bier” to your heart’s content without worrying about that Monday morning hangover.This year’s celebration starts at 11:00 a.m. with music scheduled throughout the day, beginning at 2:30 p.m. Get your Chicken Dance on with Matt Denny’s Oom Pah Pah Band “Stewedshiedzel” led by Stewart Undem, a 33 season member of the Redlands Symphony Orchestra.Boogie to the band and enjoy some stein and sausage. Try their signature Oktoberfest menu including grilled and sliced Bratwurst and Knackwurst sausages, soft baked pretzels and apple crisp.But, it wouldn’t be Oktoberfest without the “bier”. Order the Paulaner Oktoberfest-Märzen, an amber brew originally made to celebrate Oktoberfest over 200 years ago or the classic Spaten Optimator, a rich beer with roasted malt flavor.There will be specialty glassware for sale on the day of the event but the real fun comes from bringing your own glasses and filling up at Oktoberfest. Cheers to that!Matt Denny’s is located at 145 Huntington Drive, Arcadia. Call them at (626) 462-0250 or visit mattdennys.com for more information.Left: Oom pah pah band. Right: Stu w wig n hat n beercenter_img Community News EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Your email address will not be published. Required fields are marked * Herbeauty7 Most Startling Movie Moments We Didn’t Realize Were InsensitiveHerbeautyHerbeautyHerbeauty10 Female Celebs Women Love But Men Find UnattractiveHerbeautyHerbeautyHerbeautyCreative Ways To Burn Calories That Require Little EffortHerbeautyHerbeautyHerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeautyHerbeautyThe Kardashians Know How To Throw A Good Party!HerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeauty Business News Make a comment Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Subscribe Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy last_img read more

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The Evolution of the REO Landscape

first_img Auctions Hubzu Patrick McClain REO Short Sale 2018-06-26 David Wharton Data Provider Black Knight to Acquire Top of Mind 2 days ago June 26, 2018 10,445 Views in Daily Dose, Featured, Foreclosure, Journal, News, REO Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Tagged with: Auctions Hubzu Patrick McClain REO Short Sale As SVP of Hubzu Auction Services, Patrick McClain is responsible for driving the growth of Hubzu, a leading online real estate marketing platform. In this role, McClain oversees product innovation for the company’s online auction, live auction, short sale, claims without conveyance of title (CWCOT) and national brokerage services businesses, along with Hubzu’s client management program and business development strategy.McClain was previously SVP, Asset Management, for Auction.com, where he oversaw operations of the REO business unit, including the asset management, contracting, title, and closing groups. During his 20 years of experience in the industry, McClain also held senior executive asset management positions at GMAC Mortgage and Atlas Nationwide.McClain recently spoke with DS News to discuss how the REO space has evolved in recent years, the challenges of operating in landscape of low foreclosure inventory, and how homeowners facing foreclosure are becoming more open to options such as short sales.DS // What does the online auction and the REO space look like in 2018, and how have you seen it evolve over the years?The online auction and REO space has definitely been through an evolution. I started off using auctions back when I was with a large servicer. At that point, it was primarily a tool to manage the increased volume of work and dispose of aged REO inventory. Now that the market is normalizing and inventory is tightening, servicers have had the opportunity to evaluate their platforms, their resources, and their strategy around managing default and REO inventory. In addition to managing the volume of work, servicers have been able to invest and modernize REO technology to better support both the customer and servicer experience, and auction has continued to prove itself as an effective disposition method.Servicers are no longer just waiting for properties to become aged, but rather engaging auctions earlier in the REO life cycle, often going straight from foreclosure to an auction disposition. We have also seen a huge growth in clients participating in our Claims Without Conveyance of Title (CWCOT) program and the leveraging of auction for short sales. In short, we’ve seen an expansion and embracing of auction as a disposition method.DS // How have things changed as foreclosures have been steadily dropping since the housing crisis, resulting in less available foreclosure inventory?Inventory shortages and home price appreciation have had a major impact on our buyers. We’ve seen our buyers have to expand their options when it comes to searching for homes that fit their needs. Hubzu works to be an effective marketing outlet for those buyers. We have a large amount of available inventory, a transparent bidding process, and operations supporting those buyers through the process.There has been a greater adoption and comfort level with auction as a disposition method, even as local inventory has diminished and buyers had to expand their reach both in terms of geography as well as how they go about looking for available inventory.DS // Have you seen an uptick in homeowners facing foreclosure being more willing to consider options such as short sales?Absolutely. I think the reduction in inventory across the country, along with the corresponding appreciation to home prices, has created an excellent opportunity for homeowners, including borrowers who may be in distress, to consider short sales. By leveraging Hubzu, you widen the additional market resources available. Borrowers can take advantage of the limited supply and often achieve a sales price that is no longer a short sale. It creates a significant benefit to borrowers by reducing or limiting the potential for a deficiency judgment that may be due to the lender.In situations where a homeowner presents an offer to the servicer, the servicer is seeing the advantage of exposing the property to increased marketing, increased offers, and potentially increasing the original offer that a homeowner may present as a short sale. It’s win-win for Hubzu, for the servicer, and for the homeowner.DS // Are there any technologies you see that have the potential to transform or evolve the REO sector, whether the short term or the long term?From a short-term perspective, it’s the marriage of existing technologies. How do you effectively leverage and marry those technologies to create effective solutions? With Hubzu’s partnership with default software solutions provider, Equator, we are able to provide both a disposition solution and a workflow solution that allow us to efficiently communicate back to our clients what’s going on with their portfolio.As far as long-term, there has been a lot of talk internally about blockchain technology and how that may affect the transfer of real estate in the future. I’m excited about the potential of having a more transparent way to transact and transfer real estate and collateral. The theme I’ve seen both near-term and long-term is, “What can we do to increase the transparency of the process and increase the confidence for both our clients and our customers?” That goes back to our transparent bidding philosophy, highlighting our commitment to making things as open as possible, to instill greater confidence and adoption rates for both our clients and our customers. Share Save Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribecenter_img Previous: The Future of Credit Risk Transfers Next: Fannie Mae Roundtable Explores LGBT Fair Housing Protections David Wharton, Managing Editor at the Five Star Institute, is a graduate of the University of Texas at Arlington, where he received his B.A. in English and minored in Journalism. Wharton has over 16 years’ experience in journalism and previously worked at Thomson Reuters, a multinational mass media and information firm, as Associate Content Editor, focusing on producing media content related to tax and accounting principles and government rules and regulations for accounting professionals. Wharton has an extensive and diversified portfolio of freelance material, with published contributions in both online and print media publications. Wharton and his family currently reside in Arlington, Texas. He can be reached at [email protected] The Best Markets For Residential Property Investors 2 days ago About Author: David Wharton The Evolution of the REO Landscape The Best Markets For Residential Property Investors 2 days ago  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Home / Daily Dose / The Evolution of the REO Landscape Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days agolast_img read more

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HUD Announces Disaster Assistance for Texas’ Winter Storm Victims

first_img The Week Ahead: Nearing the Forbearance Exit 2 days ago in Daily Dose, Featured, Government, News Previous: Redfin Poised to Enter the Rental Game Next: Loans in Forbearance Drop for Third Consecutive Week  Print This Post The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Christina Hughes Babb Subscribe Demand Propels Home Prices Upward 2 days ago February 22, 2021 11,858 Views Related Articles Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / HUD Announces Disaster Assistance for Texas’ Winter Storm Victims HUD Announces Disaster Assistance for Texas’ Winter Storm Victims The Best Markets For Residential Property Investors 2 days ago 2021-02-22 Christina Hughes Babb The U.S. Department of Housing and Urban Development (HUD) Monday announced the implementation of federal disaster assistance for the State of Texas to provide support to homeowners and homebuyers in areas affected by the severe winter storm.President Biden last Friday issued a major disaster declaration for the following counties in Texas: Angelina, Aransas, Bastrop, Bee, Bell, Bexar, Blanco, Brazoria, Brazos, Brown, Burleson, Caldwell, Calhoun, Cameron, Chambers, Collin, Comal, Comanche, Cooke, Coryell, Dallas, Denton, DeWitt, Ellis, Falls, Fort Bend, Galveston, Gillespie, Grimes, Guadalupe, Hardin, Harris, Hays, Henderson, Hidalgo, Hood, Jasper, Jefferson, Johnson, Kaufman, Kendall, Lavaca, Liberty, Madison, Matagorda, Maverick, McLennan, Montague, Montgomery, Nacogdoches, Nueces, Orange, Palo Pinto, Panola, Parker, Polk, Rockwall, Sabine, San Jacinto, San Patricio, Scurry, Shelby, Smith, Stephens, Tarrant, Travis, Tyler, Upshur, Van Zandt, Victoria, Walker, Waller, Wharton, Wichita, Williamson, Wilson, and Wise.The declaration allows for HUD-assisted foreclosure relief outlined below as well as other assistance to impacted households living in these counties, according to HUD:Provision of immediate foreclosure relief—HUD’s automatic 90-day moratorium on foreclosures of Federal Housing Administration (FHA)-insured home mortgages commenced for the Texas counties covered under the Presidential declaration on the date of the declaration. Additionally, borrowers who cannot make their mortgage payment, are urged to call their loan servicer, the entity to which they make their mortgage payment.Making mortgage insurance available—HUD’s Section 203(h) program provides FHA insurance to disaster victims whose homes were destroyed or damaged to such an extent that reconstruction or replacement is necessary. For those that are facing the daunting task of rebuilding or buying another home, Section 203(h) allows eligible borrowers to receive 100 percent financing, including closing costs.Making insurance available for both mortgages and home rehabilitation—HUD’s Section 203(k) loan program enables those who have lost their homes to finance the purchase or refinance of a house along with its repair through a single mortgage. It also allows homeowners who have damaged houses to finance the rehabilitation of their existing single-family home. For a list of HUD-approved lenders in your area, use our online search tool.Ensuring HUD-approved housing counseling agencies are ready to assist—HUD-approved housing counseling agencies have counselors available to assist those who are impacted by natural disasters to determine assistance needs and available resources. Find a HUD-approved housing counseling agency.Making information on housing providers and HUD programs available—The department will share information with the Federal Emergency Management Agency (FEMA) and the State on housing providers that may have available units in the impacted counties. This includes Public Housing Agencies and owners of HUD-assisted multifamily properties. The Department will also connect FEMA and the State to subject matter experts to provide information on HUD programs and providers. See notice for Public Housing Agencies on disaster waivers and administrative flexibilities.According to the White House, Robert J. Fenton, Senior Official Performing the Duties of the Administrator, Federal Emergency Management Agency (FEMA), Department of Homeland Security, named Jerry S. Thomas as the Federal Coordinating Officer for federal recovery operations in the affected areas.Additional designations may be made at a later date if requested by the state and warranted by the results of further damage assessments. Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly, Salon.com, Dallas Observer, Edible, and the Dallas Morning News, among others. Servicers Navigate the Post-Pandemic World 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 Share Save Sign up for DS News Daily last_img read more

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Fishermen makes plea over major Brexit fallout issue at Greencastle

first_img Fishermen makes plea over major Brexit fallout issue at Greencastle News, Sport and Obituaries on Monday May 24th AudioHomepage BannerNews By News Highland – January 8, 2021 RELATED ARTICLESMORE FROM AUTHOR Google+ Loganair’s new Derry – Liverpool air service takes off from CODA WhatsApp Pinterest Google+ Twitter Pinterestcenter_img An Inishowen fisherman is pleading with both the Marine Minister and the Government to resolve issues of landing catch at Greencastle. A significant number of fishermen in the county are said to be impacted by the Brexit fallout issue, whereby their vessel is registered in the UK and is now only permitted to dock either in Killybegs or Cork.Derek McAvenue says being aware of the new law, they made preparations and landed their catch in Portrush this week but despite not having any fish on board arriving into Greencastle, the crew was still met with a warning.Mr. McAvenue says the current situation is simply not feasible going forward and it needs to be resolved as a matter of urgency:Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2021/01/derck.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Important message for people attending LUH’s INR clinic Nine til Noon Show – Listen back to Monday’s Programme Arranmore progress and potential flagged as population grows Facebook Facebook Twitter Community Enhancement Programme open for applications WhatsApp Previous articleIntoxicated motorist attempts to evade police close to Donegal borderNext articleAnother status yellow low temperature/ ice weather warning issued News Highland last_img read more

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ZPG to be sold for £2.2 billion to international private equity firm

first_imgZPG has announced that it is to be bought by a major US private equity firm that, assuming the deal goes through, will complete this Autumn.The buyer is Bidco Zephyr, a recently set-up London subsidiary of private equity firm Silver Lake Management Company which has made an offer to buy all the portal company’s shares for £2.2 billion.But the deal has the paw prints of DMGT, the owner of the Daily Mail, all over it and the announcement today about the proposed sale was lead by the company, which owns approximately 30% of ZPG’s shares and is its largest shareholder, and has none of the usual comment from ZPG CEO Alex Chesterman.43% premiumDMGT and the other shareholders of Zoopla’s parent company are to be paid £4.90p per share, way more than its current trading price of approximately £3.80, or a premium of 43%.This will almost guarantee the portal’s major shareholders will vote the sale through. The Daily Mail alone is to make £642 million from the deal.ZPG’s board, which includes two representatives from Daily Mail parent company DMGT, has recommended the deal to shareholders.The move, DMGT says, is to reduce the number of companies it invests in and generate more cash as its core news business faces a difficult media market.“The recommended all cash offer for ZPG promises to deliver a very significant return for DMGT,” says its Chief Executive Paul Zwillenberg (pictured).“The sale of our stake, pending shareholder approval at ZPG, fits with our long track record of successfully identifying new opportunities, incubating young businesses and supporting their growth to create value for shareholders.”More: Read how ZPG’s shares have been rising sharply recently.Paul Zwillenberg Silver Lake Management Company Daily Mail DMGT Zephyr Bidco Zoopla ZPG May 11, 2018Nigel LewisWhat’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 » Marketing » ZPG to be sold for £2.2 billion to international private equity firm previous nextMarketingZPG to be sold for £2.2 billion to international private equity firmThe huge deal, which appears to be led by ZPG major shareholder DMGT, owner of the Daily Mail, will see all shares hoovered up by Silver Lake Management Company.Nigel lewis11th May 201803,101 Viewslast_img read more

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Supreme Court: City’s No-Smoking Ordinance Does Not Violate State Constitution

first_imgThe Indiana Supreme Court upheld the city of Indianapolis’ no-smoking ordinance in a ruling Monday, saying it does not violate the Equal Privileges and Immunities Clause of Article I, Section 23 of the Indiana Constitution.In 2012, Indianapolis’ no-smoking ordinance was amended, removing an exemption for bars and taverns, but exempting businesses licensed as satellite gambling facilities. Indianapolis bar Whistle Stop Inn sued, claiming the ordinance violated the Equal Privileges and Immunities Clause because it applied to bars but not to satellite gambling facilities. Hoosier Park stepped in as a defendant and filed a motion for summary judgment, which was granted by the trial court.The Court of Appeals overturned the trial court, saying it did violate the equal privileges clause and severed the satellite facility exemption, giving the rest of the ordinance its intended effect.The Supreme Court said the ordinance meets the two-prong test for determining a statute’s validity set in Collins v. Day, 644 N.E.2d 72, 80 (Ind. 1994.)The first Collins prong is “the disparate treatment accorded by the legislation must be reasonably related to inherent characteristics which distinguish the unequally treated classes.” The exemption says the satellite facility must include a description of the heating and air conditioning units, smoke removal equipment and other devices, and Whistle Stop said this was not an inherent difference. However, the Supreme Court said it was, because without providing this description, the facility could not be licensed as a satellite gambling facility.The Supreme Court also said that an ordinance does not have to identify all distinguishing characteristics of each class and the reason for the distinctions when passing class-creating ordinances.The second prong of the Collins test is preferential treatment must be uniformly applicable and equally available to all persons similarly situated. The restaurants and bars are not similarly situated with gambling facilities, the Supreme Court said. They are separate businesses that provide separate services and have separate licensing requirements.The ordinance also does not violate solely economic rationales, as Whistle Stop claimed, though this shouldn’t matter, Justice Brent Dickson wrote. Ordinances like this focus on the treatment the ordinance accords, not the reasons why. Even so, the reason for the ordinance is to protect the health of the public, not for anything economic.FacebookTwitterCopy LinkEmailSharelast_img read more