L&G reaps reward from restructuring its US debt

first_img More From Our Partners Inside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.org980-foot skyscraper sways in China, prompting panic and evacuationsnypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgI blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.comConnecticut man dies after crashing Harley into live bearnypost.comPuffer fish snaps a selfie with lucky divernypost.comUK teen died on school trip after teachers allegedly refused her pleasnypost.comKiller drone ‘hunted down a human target’ without being told tonypost.comSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comMark Eaton, former NBA All-Star, dead at 64nypost.comBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comMatt Gaetz swindled by ‘malicious actors’ in $155K boat sale boondogglenypost.com KCS-content whatsapp whatsapp Show Comments ▼ Sharecenter_img Thursday 3 February 2011 8:00 pm Tags: NULL LEGAL & General has made a £46m pre-tax profit after buying back £271.3m of debt in the US.L&G has also cut its funding cost by £8m per annum through restructuring the debt, which was required as a reserve by its US life insurance business. The deal will add £82m to L&G’s capital buffers, its IGD surplus, which stood at £3.3bn in August.L&G was optimistic that dividends from its US life operation would be “sustainable and growing” after it produced a $50m payment in March 2010. “This announcement demonstrates our continued focus on improving return on capital from every business within the group,” chief executive officer Tim Breedon said. by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastBlood Pressure Solution4 Worst Blood Pressure MedsBlood Pressure SolutionHero WarsThis game will keep you up all night!Hero WarsThe No Cost Solar ProgramGet Paid To Install Solar + Tesla Battery For No Cost At Install and Save Thousands.The No Cost Solar ProgramOne-N-Done | 7-Minute Workout7 Minutes a Day To a Flat Stomach By Using This 1 Easy ExerciseOne-N-Done | 7-Minute WorkoutLuxury SUVs | Search AdsThese Cars Are So Loaded It’s Hard to Believe They’re So CheapLuxury SUVs | Search AdsBlood Pressure For LifeWhy Doctors May No Longer Prescribe Blood Pressure MedsBlood Pressure For LifeBrake For ItThe Most Worthless Cars Ever MadeBrake For It L&G reaps reward from restructuring its US debt last_img read more

£3k to invest in an ISA? I’d buy crashing UK shares today to get rich and retire early

first_img£3k to invest in an ISA? I’d buy crashing UK shares today to get rich and retire early Peter Stephens | Thursday, 6th August, 2020 See all posts by Peter Stephens “This Stock Could Be Like Buying Amazon in 1997” 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. Image source: Getty Images. Crashing UK shares could continue to be a feature of the investing landscape over the coming months. Risks, such as Brexit and coronavirus, have not receded over recent weeks, and could continue to hold back investor sentiment in the short run.However, those risks could create buying opportunities for long-term investors. As such, now may be the right time to invest £3k, or any other amount, in undervalued stocks in a Stocks and Shares ISA. Over the long run, it could help you to retire early.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…A long-term outlookWhile risks are present for almost all UK shares in the short run, this shouldn’t be a major concern for long-term investors. The track record of the stock market shows that periods of high volatility are relatively common.However, it’s always returned to a bull market following its bear markets, and posted new record highs when doing so. As such, the presence of risks and the potential for a market crash should not dissuade long-term investors from buying stocks.In fact, those risks mean that many stocks now offer better value for money than they did at the start of the year. Certainly, they could yet fall further in price should there be a second market crash. But over the coming years the valuations of many FTSE 100 and FTSE 250 shares suggest they offer strong recovery potential.Furthermore, the short-term performance of UK shares shouldn’t matter to long-term investors. For example, if you plan to retire in 20 years’ time, the performance of your ISA over the next few years is somewhat irrelevant. As long as the stocks held within your portfolio survive a period of economic difficulty, and go on to deliver high returns in the long run, then you’re likely to achieve the desired result of building a nest egg to provide a passive income in older age.Starting to buy UK shares todayClearly, buying crashing UK shares today is a tough task for any investor. Risks may dissuade even the most experienced investors from buying undervalued stocks due to the potential for paper losses in the short run. They may feel that it’s a better idea to hold cash or bonds, and await a period of stronger operating conditions for companies across a variety of sectors.However, history shows the best times to buy FTSE 100 and FTSE 250 shares have been after a market crash. Through focusing your capital on those companies with solid balance sheets likely to survive the short run, and benefit from an economic recovery in the long run, you can build a surprisingly large portfolio.Over time, it could help you to enjoy a greater level of financial freedom in older age. And to potentially retire earlier than previously planned. Our 6 ‘Best Buys Now’ Shares Enter Your Email Address Simply click below to discover how you can take advantage of this. 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! 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.last_img read more

Villa AH / CORE Architects

first_imgArchDaily Villa AH / CORE Architects Projects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/915420/villa-ah-core-architects Clipboard Year:  Photographs Architects: CORE Architects Area Area of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/915420/villa-ah-core-architects Clipboard “COPY” CopyHouses•Almancil, Portugal Portugalcenter_img 2018 “COPY” Villa AH / CORE ArchitectsSave this projectSaveVilla AH / CORE Architects Manufacturers: Sto, Weber, CimporSpecifications:EcoDesign & Feng shui conceptArquiteta Responsável:Anabela MacieiraCity:AlmancilCountry:PortugalMore SpecsLess SpecsSave this picture!© Alexander BogorodskiyRecommended ProductsWoodTechnowoodPergola SystemsWindowsLibartVertical Retracting Doors & WindowsWindowsJansenWindows – Janisol PrimoWoodLunawoodThermowood FacadesText description provided by the architects. With a lot of care and attention to detail, the client set a specific vison for the house. It should keep and even emphasize its rough and strong character that it had been forced to acquire in order to withstand the strong forces of the beach weather and it should let all the beautiful Algarvian light into all rooms.Save this picture!© Alexander BogorodskiySituated on a soft-sloped plot within a forest of Iberian pine trees with small  but very distinct, view lines to the ocean and facing South, the house provided perfect conditions for a Feng Shui-inspired home by the ocean. The general orientation of the house created the ideal energy flow for the client, reflecting her strong and uniquely authentic character.Save this picture!© Alexander BogorodskiyThe CORE team began by adding a few important Feng Shui adjustments, like centering the entrance door and making it North-facing. In addition, CORE revitalized an existing, but neglected, patio, as a featured connection of earth and heaven, while at the same time making the patio part of the kitchen area and a visual extension of the smallest bedroom.Save this picture!© Alexander BogorodskiySave this picture!Plan – Ground floorSave this picture!© Alexander BogorodskiyThe requirements for the layout were very clear: The client wanted to extend the amount of space in her new home to double the sized area of the living space with a two-story extension. Open-space living, as well as connecting inner and outdoor space, were some of her key priorities. In addition, as a mother of three grown-up daughters, each one used to bringing friends over, and with four dogs and one cat, she didn’t want to be worried about delicate materials or damaged surfaces.Save this picture!© Alexander BogorodskiyThe client also prioritized the use of authentic materials and appliances over modern or high tech “snobby chique”. She chose rustic natural stone and wood for the flooring, rough linen and wood for furniture and interiors, un-manicured concrete stairs, micro-cement uneven plaster and crittall windows. Old fashioned toilets, with high tanks and chain to pull the water, installed light switches, and rustic metal stands for the heavy natural stone wash-basins contributed the rustic character of this house.Save this picture!© Alexander BogorodskiyIn addition to following a standard bioclimatic study that forms the basis for all our design concept development, this house had to follow additional guidelines, including combining Feng Shui philosophies with the basis of the bioclimatic study. We determined, among other things, the prevailing winds, which contributed to the cooling of the house. The positioning of the façade windows played a special role. Natural cross ventilation was an important factor, which in combination with specific calculated shading, ensured an ideal living environment and avoided overheating or undercooling of the house through energy losses.Save this picture!© Alexander BogorodskiyFollowing the bioclimatic analyses, the upper windows to the West were calculated to be significantly smaller. But the client’s passion for sunsets convinced us to be less strict on energy-efficiency and agree to a less energy effective dimensions. A decision that, in hindsight, proved clearly not regrettable, as the Algarvian sunsets are spectacular to look at. Due to this priority, an air conditioning unit had to be installed. Contrary to popular belief, the Algarve can be very damp and cold during the rainy winter periods. Although the big windows allowed a passive heating of the space, the inferior thermal resistant crittall frames led to bigger energy losses that had to be compensated by installing a heat-pump controlled underfloor heating and an open wood fireplace.Save this picture!© Alexander BogorodskiyDue to the high earthquake risk in South Portugal, a concrete skeleton structure was chosen as the type of construction. Good thermal insulation in the building envelope was crucial to achieve the desired energy efficiency standard. For the outer walls, heat-efficient clay blocks with high thermal insulation were used.Save this picture!© Alexander BogorodskiyThe house was built with thermal clay tiles with mortar-free butt jointing. These are produced in Portugal and are fast and easy to work with. Their thermal performance is more than twice as efficient as the traditional bricks that are conventionally used.Save this picture!© Alexander BogorodskiyThe visible oak beam roof construction provided double ceiling height over the living area and a quality craftsmanship roof over the master bedroom. Combining traditional detail with efficiency and value, all roofs were also highly insulated.Save this picture!© Alexander BogorodskiyProject gallerySee allShow lessGazing House /Atelier RZLBDSelected ProjectsSharon Zukin on Privately Managed Public Spaces, Gentrification and Urban AuthenticityArticles Share Save this picture!© Alexander Bogorodskiy+ 27Curated by Matheus Pereira Share Houses Area:  2260 ft² Year Completion year of this architecture project Photographs:  Alexander Bogorodskiy Manufacturers Brands with products used in this architecture project CopyAbout this officeCORE ArchitectsOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesHouseAlmancilPortugalPublished on April 27, 2019Cite: “Villa AH / CORE Architects” [Villa AH / CORE Architects] 27 Apr 2019. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogPanels / Prefabricated AssembliesTechnowoodPanel Façade SystemRailing / BalustradesMitrexIntegrated Photovoltaic Railing – BIPV RailingMetal PanelsAurubisCopper Alloy: Nordic BrassHanging LampsVibiaHanging Lamp – VOLConcreteKrytonCrystalline Waterproofing – KIMSkylightsLAMILUXGlass Skylight FE PassivhausPorcelain StonewareCosentinoSurfaces – Dekton® Chromica CollectionBricksFeldhaus KlinkerThin Bricks – ClassicGlassDip-TechDigital Ceramic Printing for Interior DesignWoodStructureCraftEngineering – FootbridgesAluminium CompositesCymat Technologies Ltd.Bundang Doosan Tower – Alusion™ Stabilized Aluminum FoamTable LampsRoss GardamDesk Lamp – OraMore 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 streamlast_img read more

Ksaraah Residence / Taliesyn Design & Architecture

first_img Area:  487 m² Year Completion year of this architecture project Projects ArchDaily Structural Consultant: Deva Enterprises Ksaraah Residence / Taliesyn Design & ArchitectureSave this projectSaveKsaraah Residence / Taliesyn Design & Architecture Electrical Contractors: India Surendra Plumbing Works Year:  Taliesyn ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/962065/ksaraah-residence-taliesyn-design-and-architecture Clipboard “COPY” Sigma Consultants 2021 Photographs:  Harshan Thomson Manufacturers Brands with products used in this architecture project CopyHouses•India Taliesyn ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/962065/ksaraah-residence-taliesyn-design-and-architecture Clipboard SS Constructions Blue Star Civil Consultant: Architects: Taliesyn Design & Architecture Area Area of this architecture project Landscape Design: Principle Architects:Shalini Chandrashekar, G.S. Mahaboob BashaDesign Team:Siri, Yatheesh Kune, Vishnu NaiduCivil Carpentry:Hiralal SutharLandscape Contractors:Balraj, RaviArtist:SaurbhaPlumbing Consultant:TaliesynStructural Contractors:SS ConstructionsCountry:IndiaMore SpecsLess SpecsSave this picture!© Harshan ThomsonText description provided by the architects. Nestled in lush coconut and areca tree plantations with the mighty Savandurga Hill – one of the largest monolith hills in Asia – framing its backdrop, Ksaraah is a weekend retreat in rural Bengaluru, India, that reimagines living in the embrace of nature. It aims to foster a direct connection with the outdoors, sans boundaries, while still sheltering its inhabitants – a creative professional and her family.Save this picture!© Harshan ThomsonSave this picture!Ground Floor PlanSave this picture!© Harshan ThomsonThe primary design challenge was to create a built environment that would belong within its context – one that would blend, harmonize, and inspire, rather than shock and dominate. The design intervention, therefore, ensures minimum deviation from the existing landscape, while providing a space with limitless opportunities for the users to thrive in. The two-storeyed primary residence, an interplay of volumes and voids, is perched atop the site’s highest level, framing views of the farms that lie on the horizon. Resting weightlessly on a set of two loft, beveled arches, it creates expansive column- and wall-free spans with deep overhangs. The ground floor hosts communal spaces like the living, the dining, and a sit-out area that are seamlessly entwined with nature; the master bedroom and its en-suite bathing chamber and a private study lounge occupy the first floor.Save this picture!© Harshan ThomsonOn the first floor, arched elements punctuate the space complementing the stark linearity of the structure. Tall, louvered windows in oak wood traverse the floor’s perimeter, creating a permeable envelope that invites trees and plants into the indoors, while allowing the users to control ventilation and daylighting. The spatial arrangement is specifically directed to traverse amidst the landscape, blurring the boundaries between the built and the unbuilt. A sleek, exterior staircase connects the two levels next to a pool – the epicenter of the residential quarters – its backdrop marked by a feature stone wall. The wall creates a three-dimensional site partition and marks the transition between the private and public functions of the house, while unifying the visual narrative.Save this picture!© Harshan ThomsonSave this picture!First Floor PlanSave this picture!© Harshan ThomsonAn Exercise in Placemaking – More than just catering to the needs of its inhabitants, Ksaraah aims to address the needs of the local community. The design is focused on creating adaptable, multi-use, congregational spaces to bring people together and to foster activities and conversations. The idea to humanize, equalize and spiritualize holds strong. At the heart of the site stands the eighty-foot-long Pavilion composed of rhythmic modules that are orderly and aesthetic. A dynamic progression of circular columns stipple its perimeter, referencing the surrounding plantations; it is designed to ‘disappear’ once the surrounding trees grow to their maximum heights.Save this picture!© Harshan ThomsonThe Pavilion is a dynamic arena of sorts; always bustling with energy, this recreational space can host an evening soiree, an artistic installation, a dance recital, or a musical rendezvous with equal flair. Open to all including the local villagers, the Pavilion has been used as a classroom during the pandemic by the local school and hosted a play as part of the annual village function jatre. The cellar of the residential quarters, which houses a studio for the inhabitants to profoundly delve into their creative processes, can also be used to engage with fellow artists on collaborative projects.Save this picture!Section AAA Feast for the Senses – Ksaraah creates a sanctum of rejuvenation away from urban bustle. It is designed to continually transform; nature is the protagonist. The play on the sensual and perceptual abilities of the inhabitants is heightened and is ever changing as one traverses through the spaces. The effects of volume, light, shadow and textures in each space are designed to be specific to its function and the time of the day it is to be used. The same spaces seem very different when they are closed or open; when open, they feel like you are amidst the landscape and when they are closed, they offer a cosy, warm ambience. The louvers enveloping the first floor of the residential quarters look different with each passing hour, altering the spatial quality of the indoors according to the time of the day and the weather outside. The quality of light in the living spaces changes throughout the day and in the evening, the whole volume appears to almost float above the plantations.Save this picture!© Harshan ThomsonThe Sun traces visual poetry as it descends upon the Pavilion too, its series of columns creating a rhythmic play of light and shadows. Spaces act as a bare canvas for self-exploration and self-expression. Monochromatic concrete and cement finishes blend into the grey background on a dark, cloudy day. They are coupled with warm oak wood, which glistens in the sun and softens the architecture. Locally-sourced stones like Sadarahalli and Pink Magadi complete the textural leitmotifs of the residence. This spectrum of materials is pieced together keeping in mind that they age gracefully and require minimal maintenance – so surfaces develop a timeless patina over time and merge within the landscape.Save this picture!© Harshan ThomsonBeing One with Nature – The design intervention was consciously limited in terms of changing the landscape or the natural occurrences within the site to ensure that the processes of shrishti (creation), stithi (sustenance) and samhara (dissolution) continue without any interruption. Materials were chosen to last long. Stones were sourced locally from nearby quarries; waste stones were recycled into furniture. In the interiors, the khadi bedding and toiletries are all natural. Soft furnishings are a celebration of traditional Indian craftsmanship such as the kansa crockery.Save this picture!© Harshan ThomsonSolar energy powers the entire building. To reduce the need for mechanical air conditioning, unwanted wall envelopes are negated and are instead replaced with plants and trees. Breathing walls for the sheltered spaces reduce indoor temperatures by an index of 4 degrees, ensuring optimal, natural air circulation and daylighting throughout the day. The pool, designed to catch the flow of the NE-SW breeze, also aids in evaporative cooling and creates a comfortable microclimate on the site. The cellar with its stone walls and the earth filling around it remains cool throughout the year.Save this picture!West ElevationThe pool without any filtered or added chemicals doubles up as a storage tank for the vegetation around. Waste water from the household is recycled and channeled towards farming activities, nurturing the plantations of chikoo, mango, and banana trees on the site. Sculptural trees and flowering species are braided into the existing flora, densifying the greenery that will eventually thrive.Save this picture!© Harshan ThomsonProject gallerySee allShow lessWhen Novelty Follows Function: The Kitschy Designs of Duck ArchitectureArticlesKorean Pavilion at the 2021 Venice Biennale Reimagines Traditional SchoolsArchitecture News Share Manufacturers: Lutron, Toto, Asian Paints, Phillips “COPY” Houses Plumbing Contractors: Save this picture!© Harshan Thomson+ 47Curated by Hana Abdel Share Photographs Taliesyn PMC Consultant: Electrical Consultant: Ksaraah Residence / Taliesyn Design & Architecture HVAC Consultant: CopyAbout this officeTaliesyn Design & ArchitectureOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesBangaloreRural LivingOn FacebookIndiaPublished on May 21, 2021Cite: “Ksaraah Residence / Taliesyn Design & Architecture” 21 May 2021. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogPanels / Prefabricated AssembliesTechnowoodGRP Siding Façade SystemGlassMitrexSolar GreenhouseMetal PanelsAurubisMill Finished Copper: Nordic StandardMetallicsHAVER & BOECKERArchitectural Wire Mesh – MULTI-BARRETTE 8130Enclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsSealantsEffisusGutter Repair – TiteGutter3Aluminium CompositesSculptformAluminium Click-on BattensTiles / Mosaic / GresiteMargresPorcelain Tiles – Linea PrestigeMetallicsRHEINZINKZinc Roof Systems – Click Roll CapsTiles / Mosaic / GresiteTerrealTerracotta Cladding TileDoorsECLISSESliding Pocket Door – ECLISSE UnilateralWindowsJoskoWindows and Sliding Doors – ONE SeriesMore 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 streamlast_img read more

Perfect Pitch – Gift Aid timetable of presentations published

first_img Howard Lake | 25 November 2005 | News UK Fundraising’s Perfect Pitch – Gift Aid event next Tuesday has now been finalised with details of companies presenting and their timings.The timetable of organisations presenting at Perfect Pitch – Gift Aid on Tuesday 29 November has now been published.As well as presentations from HM Revenue and Customs, Blackbaud, Bmycharity, GAIN, and Charities Aid Foundation, there will also be a series of exhibition stands from these organisations and others. Participating standholders include MissionFish and Fisk Brett. Advertisement Perfect Pitch – Gift Aid timetable of presentations published 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 half-day event is designed to give the latest practical advice on how to make the most of Gift Aid. There is no charge for delegates to attend.Although we’ve had double the number of anticipated delegates register, we have made arrangements to accommodate them. However, if you would like to join us on the day you can still register to do so. Only registered delegates will be admitted on the day.  18 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThislast_img read more

COVID-19 Infections in Pasadena Remain at Pandemic Lows

first_img Make a comment More Cool Stuff CITY NEWS SERVICE/STAFF REPORT Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Community News Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena HerbeautyIs It Bad To Give Your Boyfriend An Ultimatum?HerbeautyHerbeautyHerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeautyHerbeautyA 74 Year Old Fitness Enthusiast Defies All Concept Of AgeHerbeautyHerbeautyHerbeautyA Mental Health Chatbot Which Helps People With DepressionHerbeautyHerbeautyHerbeautyKim To File For Divorce From Kanye West After 6 Years Of MarriageHerbeautyHerbeautyHerbeautyThe Kardashians Know How To Throw A Good Party!HerbeautyHerbeauty faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes 25 recommended0 commentsShareShareTweetSharePin it Community News COVID-19 Infections in Pasadena Remain at Pandemic Lows County identifies 933 “breakthrough” cases of fully vaccinated residents testing positive for the virus — out of more than 3 million people By BRIAN DAY and CITY NEWS SERVICE Published on Thursday, May 20, 2021 | 5:05 pm EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS STAFF REPORT First Heatwave Expected Next Week center_img Your email address will not be published. Required fields are marked * New cases of COVID-19 in Pasadena remained at levels not previously seen in well over a year with only two new infections detected by public health officials on Thursday.The city’s average number of daily infections over the prior week declined to 1.7, which was the lowest rate recorded since March 26, 20210, according to Pasadena Public Health Department data.It’s been 20 days since a fatality has been reported in Pasadena, and 18 days since a daily case count exceeded single-digits.The local pandemic totals on Thursday stood at 11,278 known infections and 346 deaths.Saying the numbers highlight the safety and effectiveness of COVID-19 vaccines, Los Angeles County Public Health Director Dr. Barbara Ferrer said Thursday that the county has identified just 933 “breakthrough” cases of fully vaccinated residents testing positive for the virus — out of more than 3 million people.Ferrer said the numbers translate to an infection rate of 0.03% among the nearly 3.3 million people who have been fully vaccinated in the county since May 7. Of those 933 people, 71 were hospitalized — a rate of 0.002% of the fully vaccinated population — and 12 died, translating to a rate of 0.00036%.Ferrer noted that of the 12 people who died, four had “severely weakened immune systems” from prior medical conditions or medications, highlighting the need for such people to continue taking precautions even after being fully vaccinated.“Our results are in fact consistent with the state’s,” Ferrer said.“And this news is very good because these numbers show that the vaccination is working extraordinarily well to prevent infection, illness and death in almost everyone vaccinated,” she said.Ferrer also pointed to a pair of other recent studies — one out of Houston and another from Israel — which both found the vaccines had an effectiveness rate of more than 96% in preventing illness.“We now have mounting proof that these vaccines really work,” Ferrer said.As of May 16, more than 9.1 million doses of vaccine have been administered in the county, and more than 5 million residents have received at least one dose. She said among residents aged 16 and over, 61% have received at least one dose, and 47% are now considered fully vaccinated.The numbers are better among older residents, with 84% of residents aged 65 and over receiving at least one dose, and 70% being fully vaccinated.There continue to be racial and ethnic disparities. Among the population aged 16 to 64, just 34% of Black residents have received at least one dose, compared to 57% of whites and 67% of Asians. The rate for Latinx residents is 42%.“Over these next few weeks as we prepare for our full reopening, we do need to double-down on our efforts to reduce any barriers to vaccination in our hard-hit communities,” Ferrer said.“Our goal in doing this is to ensure these communities are not more vulnerable to rising cases and outbreaks when there are fewer public health safety modifications in effect at the placeswhere residents and workers are intermingling with people outside their households.”She urged residents who have been vaccinated to reach out to friends or colleagues who have not, and talk to them “about what’s stopping them and help them make a vaccination plan.”“If we each reach out to just one person, we together take a very big step forward in ending the pandemic,” she said.The county reported another 19 COVID-19 deaths on Thursday, lifting the countywide death toll to 24,140.Another 245 cases were confirmed, giving the county a cumulative total throughout the pandemic of 1,238,121.According to state figures, there were 355 people hospitalized in the county with COVID-19, down slightly from 356 on Wednesday. There were 82 people in intensive care, up from 81 a day earlier.State health officials reported 1,292 new infections and 48 deaths on Thursday, raising the statewide totals to 3,668,842 COVID-19 cases and 61,603 fatalities.The state’s average positivity rate over the prior week inched up to 1%, according to California Department of Public Health data.As of Thursday, L.A. County accounted for 34% of California’s COVID-19 infections and 39% of the state’s deaths. STAFF REPORT Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Top of the News Business News Community News Name (required)  Mail (required) (not be published)  Website  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. Subscribelast_img read more

Credit Scores and Loan Prepayment Speed

first_imgHome / Daily Dose / Credit Scores and Loan Prepayment Speed in Daily Dose, Featured, News, Servicing Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The value of residential mortgage servicing rights (MSRs) rose in July due to an increase in rates and lower expectations with respect to prepays, according to MountainView Financial Solutions. During a recent webinar giving the monthly snapshot of MSR performance in July, Mike Riley, Managing Director, Analytics at Mountainview said that an increase of 9-10 basis points in rates had led to an impact on mortgages especially in terms of value change attribution.The webinar gave insights on managing, valuing, acquiring and selling residential MSRs and discussed the interest rate environment, MSR risk management, MSR pricing levels and MSR market activity in July. Speaking on the pricing of MSRs, Mark Garland, Managing Director, Analytics, MountainView Financial Solutions said that the company was seeing a strong impact by state on new product pricing in relation to escrows. “We are seeing different levels of interest on escrows, different incidents of loans escrowed versus those waived, and a difference in escrow cushions across states,” Garland said.Depending upon projected balances by mortgage bankers who account for escrow custodial float, float rates, and interest on escrow rates, the impact on MSR values relative to escrows was between seven and 17 basis points in July.Speaking on the correlation between prepayment speeds and low FICO products Garland said that MountainView found that the prepayment times for low-FICO conventional and low-FICO government products were similar. “We took a wide array of products to see what a conventional product prepayment looks like across different FICO bands and compared that with low-FICO government products in similar bands,” Garland said. “We saw that there was really no significant difference in prepayment speeds.” When looking at the conventional mortgage products with primary rates between 4.25 percent and 4.49 percent, the study found that in July, prepayments for FICO scores ranging between 660-679, 680-710, and more than 720 were about the same at a little over 10 percent. When the rates rose slightly to 4.5 percent and 4.74 percent, the prepayment speed for FICO scores in the range of 660 and 679 rose to around 14 percent. However, the prepayment speeds for mortgages with FICO scores ranging between 680 and 710, and more than 720 remained at a little over 12 percent.The study found a similar correlation between FICO scores and prepayment of government mortgage loans.At a mortgage rate of 4 percent and 4.24 percent, it revealed that prepayment speeds of borrowers with FICO scores ranging between 620 and 639, and 640 and 659 were a little over 14 percent. For borrowers with scores of 660-679 and 680-710, the prepayment speed was a little over 12 percent.However, when mortgage rates increased to between 4.25 percent and 4.49 percent, the prepayment speed for borrowers with scores of 620-639, 640-659, and 660-679 were uniform at a little over 16 percent. However, the prepayment speed for those with scores in the range of 680-710 remained at 14 percent. The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago August 9, 2018 3,889 Views Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post Related Articles Servicers Navigate the Post-Pandemic World 2 days agocenter_img Subscribe The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Conventional Credit Scores FICO Government loans mortgage Mortgage Rates Mountain View Financial Solutions MSRs Prepayment 2018-08-09 Radhika Ojha Tagged with: Conventional Credit Scores FICO Government loans mortgage Mortgage Rates Mountain View Financial Solutions MSRs Prepayment Demand Propels Home Prices Upward 2 days ago About Author: Radhika Ojha Sign up for DS News Daily Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: Mr. Cooper Finalizes Merger, Emerges Nominal Champion Next: Appraisers Not Required to Fill Form 1004MC, Says Fannie Credit Scores and Loan Prepayment Speedlast_img read more

Fact Of Amicable Settlement Can Be A Relevant Factor For Purpose Of Reducing Quantum Of Sentence: Supreme Court

first_imgTop StoriesFact Of Amicable Settlement Can Be A Relevant Factor For Purpose Of Reducing Quantum Of Sentence: Supreme Court LIVELAW NEWS NETWORK8 Jan 2021 6:17 AMShare This – xThe Supreme Court has observed that the fact of amicable settlement can be a relevant factor for the purpose of reduction in the quantum of sentence. In this case, one of the accused was convicted under Sections 324 and 341 of the Indian Penal Code with a sentence of three months’ rigorous imprisonment, and the other accused was convicted under Sections 307 and…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 Supreme Court has observed that the fact of amicable settlement can be a relevant factor for the purpose of reduction in the quantum of sentence. In this case, one of the accused was convicted under Sections 324 and 341 of the Indian Penal Code with a sentence of three months’ rigorous imprisonment, and the other accused was convicted under Sections 307 and 341 of IPC and imposed with a sentence of five years’ rigorous imprisonment. The High Court upheld the conviction recorded by the Trial Court.During the pendency of appeal before the Supreme Court, the parties entered into amicable settlement. However, the court noted that the offences cannot be compounded since Section 320 of the Criminal Procedure Code does not encapsulate Section 324 and 307 IPC under its list of compoundable offences. The bench referred to some earlier judgments viz. Ram Pujan v. State of UP [(1973) 2 SCC 456] and Ishwar Singh v. State of MP [(2008) 15 SCC 667], and some others,  in which compromise between parties were taken note of  to reduce the sentence of the convicts even in serious non-compoundable offences. In this context, the bench comprising Justices NV Ramana, Surya Kant and Aniruddha Bose observed: “Notwithstanding thereto, it appears to us that the fact of amicable settlement can be a relevant factor for the purpose of reduction in the quantum of sentence.””Given this position of law and the peculiar circumstances arising out of subsequent events, we are of the considered opinion that it is a fit case to take a sympathetic view and reconsider the quantum of sentences awarded to the appellants.”The court also noticed that 1) parties to the dispute have mutually buried their hatchet 2) That at the time of the incident, the victim was a college student, and both accused too were no older than 20­22 years 3) They have no other criminal antecedents, no previous enmity, and today are married and have children 4) They have served a significant portion of their sentences.  Considering all these unique factors, including the compromise between the parties, we deem it appropriate to reduce the quantum of the sentence imposed on the appellants, the bench said while reducing the sentence to the period already undergone by them.Case: Murali vs. State [CRIMINAL APPEAL NO.24/2021]Coram: Justices NV Ramana, Surya Kant and Aniruddha BoseCitation: LL 2021 SC 11Click here to Read/Download OrderRead OrderNext Storylast_img read more

Health and Wellbeing at Work conference review

first_img Previous Article Next Article Comments are closed. Health and Wellbeing at Work conference reviewBy Noel O’Reilly on 22 Mar 2010 in Personnel Today One issue emerged as the hot topic at last month’s Health and Wellbeing at Work conference – the question of which is more important: the impact of health on work, or the impact of work on health. National director for work and health Dame Carol Black put the case to delegates for making the workplace a key setting for tackling health problems and inequalities, regardless of whether these are work-related. A few hours later at the Ruth Alston Memorial Lecture, organised by the Association of Occupational Health Nurse Practitioners, OH adviser Christina Butterworth and chief nursing officer Dame Christine Beasley led a debate on the issue. Butterworth said OH should focus on workplace hazards and Beasley supported the case made earlier by Black, while reassuring OH nurses that she would help raise their profile in the nursing profession in general.Butterworth voiced frustration among OH nurse practitioners about the lack of understanding of their role. “I am so glad that the debate has shown that the government’s responses to Health, Work and Wellbeing [the strategy that has Black’s 2008 review of health and work at its core] has focused on the link between health and work, and has failed to recognise the role that OH specialists play in the management of work and health,” she said.She pointed out that the future role of OH is still uncertain, and that only a small number of practitioners have been able to actively participate in the national strategy due to the pressures of providing OH care. She argued that OH nursing is not well understood by nurses in general, and that OH nurses have two masters: the individual health status and needs of the employee on the one hand,and the need to raise awareness of hazards for the employer on the other. For Butterworth, the priority for OH nurses is preventing employee ill health caused by physical, chemical, biological, ergonomic and psychosocial health hazards through risk assessment, and monitoring of controls and promotion of health – for example, through hearing protection campaigns.Black’s presentation earlier in the day argued that OH professionals need to extend their remit beyond workplace hazards to improving the health of working-age people, stressing the impact of an ageing population and lifestyle-related illness on the workplace. “OH professionals need to enhance their leadership roles and revitalise their services making them fit for current needs,” she said. With an ageing population and the need to work until later in life, employers face increasing incidence of long-term conditions. At the same time, there is also a risk to employers from conditions starting earlier in life that are caused or aggravated by lifestyle. The three main risk factors are tobacco, physical inactivity, and poor diet. “These risk factors provide a clear focus for business,” said Black. If OH is to align its efforts with Black’s priorities, then practitioners need to support employers in offering flexible working arrangements, ensuring compliance with the Disability Discrimination Act, making reasonable adjustments at work, and giving line managers more information and guidance on conditions such as cancer, stroke, hypertension, coronary heart disease, diabetes, and rheumatoid arthritis. Black also encouraged employee health checks, citing research that showed 91% of office workers and 84% of factory workers rated health checks as ‘very’ or ‘quite’ effective in helping them lead a healthier life. She cited four recent studies which showed there was an opportunity for workplace interventions for those most at risk and hardest to reach, across a wide range of ages, with ease of monitoring effectiveness: Foresight, Mental Capital and Wellbeing; the Black Review: Working for a Healthier Tomorrow; Working our way to better mental health: a framework for action; and the recent Marmot Review. So who is right? Employers must comply with the law to ensure the workplace is safe as far as is ‘reasonably practicable’ as laid down in the Health and Safety at Work Act 1974. However, the belief that this means legal compliance and risk management are the most important priorities for OH practitioners can be challenged. In the April issue of Occupational Health, Dr Richard Preece questions whether a slavish compliance to employment law necessarily reduces the risk of work-related ill health, looking in particular at the ‘six pack’ of health and safety legislation.It is also a debating point whether time-consuming health surveillance where incidence of hazards causing ill health is low is time better spent than interventions to support return to work or improving employee attendance. If, however, it is a given that a basic level of risk management is a core OH responsibility, then the amount of OH capacity focused on the impact of health on work is discretionary. One argument is that while minimum standards are non-negotiable, the ‘health promotion’ part of the OH remit needs to be justified by cost benefit analysis. In other words, it needs to pay for itself through reduced absence costs or higher productivity at work. But this does not mean OH nurses should focus only on risk management and on where they can use their clinical knowledge, usually in managing more complex referrals. If they do so, they will stay on the margins of the government’s health reforms and also risk making themselves irrelevant to employers and HR. The answer is for OH practitioners to look beyond managing workplace risk, and address employers’ objectives of cutting absence and raising productivity through a focus on the wellbeing and engagement of employees. Related posts:No related photos.last_img read more

William Reed launches new logistics show

first_imgWilliam Reed Business Media (WRBM), which publishes British Baker, has launched the Food and Drink Logistics (FDL) Show in response to demand from the market. It will run alongside its set of market-leading trade shows, including the Baking Industry Exhibition, taking place at Birmingham’s NEC from 21-24 March 2010.The new FDL Show will provide a unique and dedicated platform for companies involved with warehousing, palletised transport, third-party logistics, supply chain solutions and many other areas to showcase their products to top-level decision-makers from the food and drink sectors.This market in the UK is worth some £12bn a year and forms around 10% of food and drink companies’ total spend.For information on exhibiting please contact Daren Rose-Neale on 01293 610355 or by email on [email protected] information on visiting please contact Sarah Corbett on 01293 610235 or [email protected]last_img read more