CRDB Bank Plc (CRDB.tz) Q12017 Interim Report

first_imgCRDB Bank Plc (CRDB.tz) listed on the Dar es Salaam Stock Exchange under the Banking sector has released it’s 2017 interim results for the first quarter.For more information about CRDB Bank Plc (CRDB.tz) reports, abridged reports, interim earnings results and earnings presentations, visit the CRDB Bank Plc (CRDB.tz) company page on AfricanFinancials.Document: CRDB Bank Plc (CRDB.tz)  2017 interim results for the first quarter.Company ProfileCRDB Bank Plc is a wholly-owned private commercial bank in Tanzania offering a comprehensive range of retail, commercial, corporate, treasury, premier and wholesale microfinance services. The company has an extensive infrastructure of branches, ATMs and deposit and mobile terminals and uses a vast network of Fahari Huduma agents which are microfinance agents. The retail division offers financial solutions which range from current and fixed deposit accounts to home purchase and construction loans, refinancing and cash back services. The corporate division provides financial service across the board; including documentary collection, letters of credit, guarantees, structured trade finance, treasury services and foreign exchange risk management. Established in 1996, CRDP Bank Plc has three subsidiary companies; CRB Bank Plc Burundi, CRDB Microfinance and CRDB Insurance Brokers.CRDB Bank Plc is listed on the Dar es Salaam Stock Exchangelast_img read more

Clydestone (Ghana) Limited (CLYD.gh) HY2019 Interim Report

first_imgClydestone (Ghana) Limited (CLYD.gh) listed on the Ghana Stock Exchange under the Technology sector has released it’s 2019 interim results for the half year.For more information about Clydestone (Ghana) Limited (CLYD.gh) reports, abridged reports, interim earnings results and earnings presentations, visit the Clydestone (Ghana) Limited (CLYD.gh) company page on AfricanFinancials.Document: Clydestone (Ghana) Limited (CLYD.gh)  2019 interim results for the half year.Company ProfileClydestone (Ghana) Limited is a global information and communications technology company with offices in Ghana, Nigeria and Kenya. The company uses cutting-edge innovations to provide information technology solutions for financial institutions involved in financial document processing, remittance processing and transaction switching. Its product range encompasses: G-Switch, an electronic payment platform; G-Secure, a card authentication programme; Remita, modular system for e-payments; UnionPay Processor; automated check clearing; ATM and cash processing; multi-vendor ATM software solutions and multi-factor authentication. Clydestone is a Principle Acquiring Member of UnionPay International and offers acquiring services to 19 banks in Africa and provides check truncation systems to 12 leading banks in Ghana. Clydestone (Ghana) Limited is listed on the Ghana Stock Exchangelast_img read more

No savings at 40? I’d invest in FTSE 100 shares in an ISA starting now to make a million

first_img Enter Your Email Address Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! 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. 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. 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. Simply click below to discover how you can take advantage of this. Image source: Getty Images. “This Stock Could Be Like Buying Amazon in 1997”center_img Our 6 ‘Best Buys Now’ Shares Investing in FTSE 100 shares may seem to be a high-risk idea after the index’s recent crash. Certainly, there are risks facing the index that could cause its price level to decline dramatically in the short run. But, over the long term, it has recovery potential. And that could produce high annualised returns that are in-keeping with its past performance since inception in 1984.As such, investors who have a long-term time horizon may benefit from the index’s relatively high returns. It could even produce a seven-figure portfolio for a regular monthly investment over a 30-year time period.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…FTSE 100 growth potentialThe FTSE 100’s performance in the short run could be volatile. Although the index has experienced a sharp recovery following its recent decline risks, such as trade tensions between the US and China and the prospect of a second wave of coronavirus, could halt its progress.Therefore, it’s imperative to have a long-term time horizon when buying shares. For example, investors aged 40 are likely to have sufficient time for the index to recover from any short-term difficulties before they require a passive income from their retirement portfolio.Investing regularly in shares could also be a sound move. Doing so through a tax-efficient account, such as a Stocks and Shares ISA, may further enhance your retirement prospects. Its low costs and lack of tax charged on dividends and gains could significantly boost your retirement nest egg. Certainly compared to investing through a bog-standard sharedealing account.Making a millionMaking a million from FTSE 100 shares by starting to invest at 40 may sound somewhat unlikely. However, the index’s 8% annualised returns could have a significant impact on regular investments over the long run.For example, investing £750 per month for 30 years at an annualised return of 8% would produce a portfolio valued at over £1m. Of course, not every investor has £750 available each month to buy FTSE 100 shares. However, even more modest amounts invested regularly could produce a surprisingly large nest egg. Enough to deliver a passive income in excess of the State Pension by the time you retire.Starting todayOpening a Stocks and Shares ISA can be completed online through a range of providers in just a matter of minutes. Moreover, setting up regular investments is a simple process. It costs as little as £1.50 per trade with a variety of sharedealing providers. This makes it accessible to almost all investors.Therefore, with the FTSE 100 appearing to offer good value for money at the present time, now could be an opportune moment to start buying large-cap shares. Over time, they could really transform your retirement prospects and help you to retire with a larger nest egg. And that may even be valued in excess of £1m. 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. See all posts by Peter Stephens Peter Stephens | Sunday, 14th June, 2020 No savings at 40? I’d invest in FTSE 100 shares in an ISA starting now to make a millionlast_img read more

La Barquiere / PietriArchitectes

first_img “COPY” ArchDaily La Barquiere / PietriArchitectes Manufacturers: BUGAL, Casalgrande Padana, DSA Méditerranée CopyApartments•Marseille, France La Barquiere / PietriArchitectesSave this projectSaveLa Barquiere / PietriArchitectes Faro Photographs:  Mathieu Ducros and Nicolas Vaccaro Manufacturers Brands with products used in this architecture project France 2016 Architects: PietriArchitectes Area Area of this architecture project Save this picture!© Mathieu Ducros and Nicolas Vaccaro+ 22 Share Landscaper: Year:  Photographs General Contractor: “COPY” Apartments Avenir Paysage Area:  3600 m² Year Completion year of this architecture project Eiffage Construction Main Contractor: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/882663/la-barquiere-pietriarchitectes Clipboard ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/882663/la-barquiere-pietriarchitectes Clipboard Eiffage Construction Lighting Engineer: Structural Engineer:Yves GarnierAcoustic Engineer:Yves GarnierTechnical Inspection Agency:Alpes ContrôlesSps Coordinator:SurbatCity:MarseilleCountry:FranceMore SpecsLess SpecsSave this picture!© Mathieu Ducros and Nicolas VaccaroRecommended ProductsFiber Cements / CementsDuctal®Ductal® Cladding Panels (EU)Enclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsWindowsLibartVertical Retracting Doors & WindowsFiber Cements / CementsULMA Architectural SolutionsPaper Facade Panel in Leioa School RestorationText description provided by the architects. La Barquière is a 62 housing project located in the 9th district of Marseille (France). The urban neighborhood offers to the project a unique setting. Drawn in keeping with its context, this project respects all the family owner wishes. The owner wanted to keep the old building dated from the 18th century. The existing old building and the wooded environment proximity forced the project to become part of a complex height.Save this picture!© Mathieu Ducros and Nicolas VaccaroThere is a duality between the two frontages: the first one is angular and the other one is undulating. It presents an opposition of architectural treatments. To the South, a long white frontage full of flowing balconies is slipping all over the apartments oriented to the garden. To the North, the straight and angular frontage is covered by a white faceted mosaic. It creates incredible lighting effects and reflects all over the ceramic. These effects will fluctuate day by day, season by season, with a sky view and the mediterranean sea.Save this picture!© Mathieu Ducros and Nicolas VaccaroSave this picture!Floor PlansSave this picture!© Mathieu Ducros and Nicolas VaccaroThe agency chooses to work with Casalgrande Padana to create the ceramic for the angular frontage, and Bugal to create the guard for the undulating one. This project is constituted by:- A building housing for accession (R+5), including an attic 62 housing floor and organized in two staircases, respectively with 21 and 41 housing.- A parking including 77 parking places (R-1 and R-2)Save this picture!© Mathieu Ducros and Nicolas VaccaroThis project is inserted at La Barquière avenue in a wooded and urbanized environment from Marseille city. It is located in the limit of a restricted wooded space, that takes two-thirds of the site. The latter also contains an old building from the 19th century. This structure is preserved as part of this construction project as well as its swimming pool. This project was conceived according to the preserved old building. The two building have the same access and are part of the same organized group around the green block, in the heart of Marseille. Otherwise, the housing is connected to water and electricity systems. We have access to the parking by using a ramp (in the South-East’s plot).Save this picture!© Mathieu Ducros and Nicolas VaccaroProject gallerySee allShow lessUNStudio Designs Dubai Supertall with One of the World’s Tallest Ceramic FacadesUnbuilt ProjectRusty House / OK PLAN ARCHITECTSSelected ProjectsProject locationAddress:Marseille, FranceLocation to be used only as a reference. It could indicate city/country but not exact address. Share Projects CopyAbout this officePietriArchitectesOfficeFollowProductsSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsMarseilleFrancePublished on November 01, 2017Cite: “La Barquiere / PietriArchitectes” 01 Nov 2017. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogShowerhansgroheShowers – Croma SelectGlass3MGlass Finish – FASARA™ GradationPartitionsSkyfoldVertically Folding Operable Walls – Zenith® SeriesWall / Ceiling LightsCocowebLighting – Blackspot LED Barn LightUrban ApplicationsIsland Exterior FabricatorsPublic Safety Answering Center II Envelope SystemCeilingsSculptformTimber Batten Ceiling in All Souls ChapelHanging LampsLouis PoulsenLamp – PH 5 + PH 5 MiniGlazedGrespaniaWall Tiles – Porto PetroThermalSchöckInsulation – Isokorb® Concrete to SteelCeramicsTerrealTerracotta Baguettes in Vork CenterCompositesLamitechPlastic facades PanelexCarpetsHalcyon LakeCarpet – Nobsa GreyMore products »Save想阅读文章的中文版本吗?白色“烤面筋”公寓 La Barquiere / PietriArchitectes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

300 Ericsson employees seek charities that need skilled-based volunteers

first_imgWATCH: What is whatCharity.com AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis16 Technology company Ericsson is seeking charities that can make the most of over 300 skilled employees who wish to volunteer for charities. The first round of applications particularly welcomes applications from charities based in Berkshire or with outreach work in Berkshire.The staff offering to volunteers are legal, digital, marketing, HR or finance professionals. Ericsson has 1,300 employees in the UK including 300 in the Reading HQ.The matching of skilled volunteers to relevant charities is being handled by whatcharity.com. Launched in 2018, the platform helps charities and businesses collaborate on grants, awareness campaigns and competitions. Using Charity Commission data, it covers all charities in England and Wales. Advertisement  285 total views,  3 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis16 Ericsson’s Our Year of VolunteeringEricsson’s “Our Year of Volunteering” starts at the beginning of 2020. Throughout the year, approximately 40-50 charities with whatcharity.com profiles will make the shortlist to be presented to Ericsson staff. In the first round this December, 10-15 charities will be presented.Tiia Sammallathi of whatCharity.com explains: “This is a great opportunity for charities of all size and type to benefit from much needed and highly sought after expertise from a wide range of professional skill-sets. It is a democratic and fair process facilitated by our platform technology. Like our previous applications for grants and competitions, the process is simple and straightforward. We don’t do complicated!” Roger Peacock HR Director Ericsson explained the company’s aims. He said: “As a large employer we want to give back our time, skills and experience to worthy causes, especially for us in the Reading area.“We provide our employees up to one day per year of paid time out for their charity-based activities and in addition staff often give many more hours of their own time. During 2020 we’d like to encourage more staff to take part and create stronger links with charities that may benefit from our staff’s time and skills by making it easy for both parties to engage.”“Ericsson is very open to the kind of charities we will look to support and can vary these from year to year. Our ideal situation to start with, is to work with Reading-based charities to allow them to benefit from the large number of our employees who travel and work in Reading.”Applications open on 19th November 2019, and the deadline is 8 December 2019 for the first round, with more opportunities in 2020.center_img 300 Ericsson employees seek charities that need skilled-based volunteers Howard Lake | 19 November 2019 | News Tagged with: corporate fundraising Volunteering 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.  284 total views,  2 views todaylast_img read more

Cambiando el medioambiente: De Kioto al temporal Frank

first_imgLa dispersión de los seres humanos a todos los continentes de nuestro planeta ha ido acompañada de grandes retos e innovaciones. El Homo Sapiens se convirtió en la forma de vida dominante en todo el mundo debido a nuestra capacidad no sólo de adaptarse al entorno – todas las especies se han adaptado, desarrollado o perecido – sino también para cambiar el propio medio ambiente para satisfacer nuestras necesidades.Tan exitosos nos hemos vuelto en alterar el entorno, que ahora parece que se ha convertido en lo contrario. El calentamiento global y el cambio climático, resultante principalmente del crecimiento industrial y la quema de combustibles fósiles, plantean enormes peligros no sólo para los humanos sino para una amplia gama de especies animales y vegetales.La gente de algunos de los países más desarrollados constataron estos peligros a finales de diciembre y principios de enero cuando las inundaciones en el valle del Misisipi y en toda Irlanda, Gales, Inglaterra y Escocia alcanzaron proporciones históricas.Estas inundaciones no fueron las peores que afectaron a grandes poblaciones en los últimos años – se han producido desastres mucho más grandes en Asia, África, América Central y América del Sur – pero estas muestran que el clima extremo, mencionado durante décadas por los científicos climatológicos, está indiscutiblemente en marcha, y ningún país se verá librado.En EUA, el río Misisipi y sus tributarias, después de fuertes lluvias en lugar de las nevadas estacionales habituales, alcanzaron niveles récord de inundaciones en algunas áreas a finales de diciembre, lo que llevó a una devastación generalizada en Illinois, Misuri, Oklahoma y Arkansas. Más de dos docenas de muertes se han reportado hasta el momento.Se esperan más inundaciones en las próximas semanas, ya que la cresta del río se mueve aguas abajo hacia Tenesí, Misisipi y Luisiana.Comenzando el 30 de diciembre, la tormenta, a la que los meteorólogos británicos le han llamado Frank, golpearon las costas y la parte norte de Irlanda, Gales, Inglaterra y Escocia durante varios días con fuertes vientos y lluvias torrenciales, antes de girar hacia el norte, en dirección a Groenlandia. Mientras que el daño fue generalizado, las muertes parecen haberse mantenido en un solo dígito. La contabilidad final no estaba disponible al tiempo de escribir este artículo.Conforme se dirigía hacia el norte, Frank también trajo lluvia y temperaturas de deshielo a las áreas arriba del Círculo Polar Ártico – un insólito escenario durante el invierno del Polo Norte. Las/os científicos sostienen que la gravedad de los desastres, tanto en EUA como en Europa se puede trazar al calentamiento global, que ha bombeado humedad a la atmósfera. El año pasado, 2015, fue el año más cálido registrado.Criminal sabotaje de los acuerdos climáticosLas/os jóvenes que ahora están en la universidad ni siquiera habían nacido cuando las/os científicos climatológicos comenzaron a presentar las alarmantes noticias sobre los gases de efecto invernadero y el calentamiento global en el mundo. Esto finalmente condujo en 1997, al Protocolo de Kioto para la Convención sobre el Cambio Climático de la ONU, que fue acordado por 36 países industrializados, incluyendo a EUA. Ese protocolo los comprometía a que redujeran sus emisiones de gases a un 7 por ciento más bajo que los niveles del año 1990 para los años 2008-2012.El gobierno de EUA firmó el protocolo en 1998 – pero nunca lo ratificó, a diferencia de los otros 35 países signatarios. Luego, George W. Bush lo repudió abiertamente en marzo de 2001, el primer año de su presidencia. Sin EUA, en el momento el mayor contaminador del mundo, el protocolo tendría poco efecto. Para EUA, el Protocolo de Kioto había llegado muerto.La manta de dióxido de carbono en la atmósfera siguió aumentando vertiginosamente.La historia de la creciente amenaza que representa el calentamiento global, aunque ciertamente no ha sido ignorada por los medios de comunicación capitalistas, rara vez se relaciona con las guerras del último cuarto de siglo: la guerra contra Irak, iniciada en 1991 durante la presidencia de George W Bush; la invasión de Afganistán en noviembre de 2001 (una guerra que aún continúa) después de la denuncia del Protocolo de Kioto por Bush; la segunda guerra de Irak iniciada en marzo de 2003, de nuevo por el joven Bush; y la actual guerra contra el gobierno de Siria, iniciada a finales de 2011 bajo Barack Obama por las fuerzas de la oposición con el apoyo de EUA y Arabia Saudita.Tampoco se menciona en relación con la amenaza climática, la guerra para destruir el gobierno de Libia. Ese país del norte de África había elevado su nivel de vida al más alto del continente.En todos estos conflictos y otros en África y Asia, el control del petróleo del mundo ha sido un factor importante. Y el petróleo, después del carbón, es la principal fuente de gases de efecto invernadero.Estas guerras han matado a cientos de miles, desplazado a millones de personas, y han costado billones de dólares – dinero que podría haber sido utilizado durante este período crítico, cuando los científicos ya sabían lo que estaba pasando, para reestructurar la producción de energía, el transporte y la vivienda para reducir la quema de combustibles fósiles.Nada inevitable sobre el cambio climáticoLos desastres enfrentados por gran parte del mundo no eran inevitables. No son el castigo por “la codicia y los pecados del hombre”. No surgen de la sobrepoblación o de la “avaricia” de la humanidad. Son el producto del crecimiento de las fuerzas productivas bajo un sistema político y económico en particular: el capitalismo, que echó raíces sólo hace pocos siglos.Sociedades anteriores tenían sus problemas ambientales también. Pero aunque la tecnología de entonces estaba en un nivel mucho más bajo, la gente encontraba maneras de hacer lo que se necesitaba para asegurar las fuentes de alimento y resguardo.Uno de los esfuerzos más notables – comenzó hace 2.250 años en China durante la dinastía Qin. Fue un gran proyecto de recuperación de tierras y control de inundaciones que implicó el desvío de agua desde el río Min, que se inundaba periódicamente sin control, hacia el otro lado de una cordillera, donde la tierra era buena pero demasiado árida para cultivar.Para romper la montaña, durante 7 años, los trabajadores quemaron montones de heno en la superficie de las rocas para que se calentaran y luego vertían agua fría para enfriarlas rápidamente, “dejando que la contracción casi instantánea abriera grietas. El corte finalmente llevó a una hendidura de 70 pies de ancho, y las aguas del río Min … comenzaron a pasar a través de ella en el momento en que la pared final se rompió”. (De “El hombre que amaba a China”, un libro sobre Simon Winchester, un científico británico simpatizante de la Revolución China, que pasó los primeros años de los 1940 acumulando datos masivos sobre los primeros descubrimientos científicos de China.)El aniversario de este evento aún se celebra en China, ya que trajo estabilidad a un área que había conocido devastadoras catástrofes naturales y hambrunas resultantes.El proyecto del río Min mostró que la gente, cuando está movilizada y motivada para resolver un grave problema, tiene la persistencia y el ingenio para hacer lo que sea necesario para vencer.La pregunta que nos tenemos que preguntar a la luz de los desastres de hoy y el aumento de las amenazas es la siguiente:  Sabiendo lo que sabemos ahora, ¿cuál es el obstáculo en el camino de tomar las medidas necesarias para evitar que ocurra lo peor?FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Walmart lays off 11,000 under smokescreen

first_imgThe Walmart corporation closed 63 Sam’s Club stores without notice on Jan. 11, laying off some 11,000 workers, many of whom arrived at work to find their store permanently closed.In a cynical maneuver meant to deflect worker and community outrage, Walmart made a media show of announcing that, because of the new corporate tax breaks, it was giving $1,000 bonuses to workers and raising their starting wage, while burying news of the devastating closures and mass layoffs.Store closures aren’t just bad for workers losing their jobs, but they also impact the surrounding communities in a myriad of ways. As always, it is the poorest, most oppressed and isolated workers who are affected disproportionately.The headline in the Jan. 12 Anchorage News summed it up: “In Fairbanks and rural Alaska, Sam’s Club closing is a ‘major blow.’” Many low-income families shop at Sam’s Club for affordable groceries and other products. Schools, churches, organizations and small businesses such as restaurants and gas stations also rely on such big-box, discounted-bulk stores.The abrupt closure of 10 percent of Walmart’s Sam’s Club stores from Alaska to Florida (and three in Puerto Rico) also appears to have violated federal labor law. The Worker Adjustment and Retraining Notification or WARN Act of 1988 requires all employers with more than 100 workers to provide 60-days’ advance notification of any closure or layoffs.Finance capital to blame for store closuresWalmart isn’t the only major retailer shuttering stores and leaving workers and customers out in the cold. More than 66,500 retail workers lost their jobs in 2017. (denverpost.com, Jan. 13) CNN reported on Oct. 25:  “2017 just passed the all-time record for store closings.” Over 6,700 stores were closed last year, beating the record of 6,163 during 2008, a year of the banker-caused economic meltdown.Last year’s tsunami of retail closures is expected to continue in 2018, with more than 3,600 stores already slated to close. These include Walgreens, Ascena Retail Group (Ann Taylor, Loft, Dress Barn), Sears, Kmart, Toys “R” Us, JC Penney, Vitamin World, Macy’s, Target and other retail chains. (businessinsider.com, Dec. 31) Tens of thousands more workers will lose employment.The massive store closings and worker layoffs have been described as the beginning of the “retail apocalypse.” Many point to Amazon and say consumers would rather shop online than go to a store. But that’s only part of the picture — and one that tries to take the onus off the capitalists and blame working and oppressed people.At the root of this crisis, as with the housing mortgage disaster and municipal austerity that have ravaged cities and communities across the U.S., is finance capital, which is also responsible for the mountainous student and consumer debt facing so many low-wage workers.“The reason isn’t as simple as Amazon.com Inc. taking market share or twenty-somethings spending more on experiences than things,” said Bloomberg News. “The root cause is that many of these long-standing chains are overloaded with debt — often from leveraged buyouts led by private equity firms. There are billions in borrowings on the balance sheets of troubled retailers, and sustaining that load is only going to become harder — even for healthy chains.” (Nov. 8)The crisis is magnified by consumers’ outstanding credit card debt, which hit a new high last November, increasing by $11.2 billion to $1.02 trillion. (cnbc.com, Jan. 9)FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Special security police question two investigative reporters

first_img News Ten RSF recommendations for the European Union One of the two, Agnese Margēviča, a well-known investigative reporter, was questioned for two hours at Drošības Policija headquarters about an article published in the leading daily Diena on 7 April about the fraudulent privatization of a bank.After interrogation, she was allowed to leave without being charged or placed under investigation.The other was Lato Lapsa, who was formally detained for several hours as a suspect, apparently in connection with a corruption case that dates back at least two years, when he published documents provided by a businessman wrongly accused of corruption by the Bureau for Preventing and Combatting Corruption (KNAB).Lapsa, who has already had a run-in with the Drošības Policija, said at a news conference today that he expected to be charged soon. He and Margēviča jointly founded Pietiek, which has a reputation for high-quality investigative reporting.“The Latvian police must take account of the nature of journalistic work, which serves the public interest,” Reporters Without Borders programme director Lucie Morillon said. “Interrogations of this kind are unworthy of Latvia’s democracy. The right to information is one of the pillars of democracy and must take precedence.”“Furthermore, Lato Lapsa is being targeted in connection with information that was already published a long time ago by other journalists, who were never questioned or arrested. It proves that the police are harassing Lapsa because of his investigative journalism in general.”Morillon added: “We call on the authorities to end these investigations into Lapsa and Margēviča at once.”Latvia is ranked 28th out of 180 countries in the 2015 Reporters Without Borders press freedom index. LatviaEurope – Central Asia December 2, 2020 Find out more June 2, 2021 Find out more LatviaEurope – Central Asia RSF_en Help by sharing this information News to go further May 1, 2015 – Updated on January 20, 2016 Special security police question two investigative reporters News Follow the news on Latvia Receive email alerts Latvia’s special security police, the Drošības Policija, wednesday questioned two journalists with the Riga-based news website Pietiek for allegedly publishing classified information. One was placed under formal investigation. RSF and 60 other organisations call for an EU anti-SLAPP directive Use the Digital Services Act to make democracy prevail over platform interests, RSF tells EU Organisation News November 23, 2020 Find out morelast_img read more

How Prepared Are Homeowners for Natural DIsasters?

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Commentary from the Harvard Business Review says the growing threat of fires, floods, droughts, and climate change could change how homes are built in the very near future.A study by the National Bureau of Economic Research found that mortgage written on homes in “exposed locations” are being shed by banks and absorbed by Fannie Mae and Freddie Mac. “This implies that homeowners and investors have been making location decisions without properly pricing the cost of potential peril, and that the government has been enabling the oversight,” the Harvard Business Review states. “Some are even warning that this market failure could lead to a repeat of the 2008 financial crisis, which was also triggered by bad mortgages.”The report continues by saying no private insurance companies retain residential flood risk in Florida, Virginia, and other coastal markets due to sea levels, and programs such as the National Flood Insurance Program keeps residents insured. There is also a lack of restrictions on where one can build and what cane be built. “A society that prides itself on free will and self-determination is loath to say what a property owner can and cannot build on their own land as long as it meets rudimentary building and zoning codes: So more and more people move into harm’s way in flood plains, low-lying coastal areas, and tinder dry western landscapes,” the report states. There is also a growing concern around climate change, as survey from ValuePenguin found that nearly 81% of people say they worry about climate change, and two-thirds of people don’t think enough is being done to combat its effects. While more than half of the respondents who worry about climate change are homeowners, up to 47% of all homeowners in the survey weren’t confident they have enough insurance to protect their property from a climate-induced natural disaster. Also, almost 42% of homeowners wouldn’t pay more to insure their homes due to climate change. Just 18% would pay an $500 or more annually to insure their homes against natural disasters.  Home / Daily Dose / How Prepared Are Homeowners for Natural DIsasters? in Daily Dose, Featured, Loss Mitigation, News October 18, 2019 1,417 Views Demand Propels Home Prices Upward 2 days ago  Print This Post Share Save The Week Ahead: Nearing the Forbearance Exit 2 days ago How Prepared Are Homeowners for Natural DIsasters? The Best Markets For Residential Property Investors 2 days ago About Author: Mike Albanese Related Articles Servicers Navigate the Post-Pandemic World 2 days agocenter_img Servicers Navigate the Post-Pandemic World 2 days ago Mike Albanese is a reporter for DS News and MReport. He is a University of Alabama graduate with a degree in journalism and a minor in communications. He has worked for publications—both print and online—covering numerous beats. A Connecticut native, Albanese currently resides in Lewisville. The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily Tagged with: climate change Housing Market 2019 Natural Disasters Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: Housing’s Impact on Economic Growth Next: HUD’s Carson: Opportunity Zones Helping Foster Partnerships climate change Housing Market 2019 Natural Disasters 2019-10-18 Mike Albanese Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

Foreclosure Timelines, State by State

first_img About Author: Seth Welborn Demand Propels Home Prices Upward 2 days ago Foreclosure Timelines, State by State December 9, 2019 5,220 Views Demand Propels Home Prices Upward 2 days ago Share 1Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago The longest average foreclosure times were not confined to one area of the country, according to a study from ATTOM Data Solutions. In Q3 2019, the states with the longest average foreclosure timelines for homes foreclosed were Indiana (1,633 days); Hawaii (1,626 days); Nevada (1,511 days); New Jersey (1,173 days); Georgia (1,170 days); Florida (1,138 days); New York (1,103 days); Washington (1,002 days); Oklahoma (950 days); and Pennsylvania (914 days).The shortest average foreclosure times were in Virginia (201 days); Montana (217 days); Mississippi (229 days); Alaska (258 days); and Oregon (283 days). Here are the remaining top 10 states with the shortest foreclosure timelines in Q3 2019: New Hampshire (292 days); Arkansas (318 days); Wyoming (321 days); Minnesota (354 days); and West Virginia (385 days).Nationwide, foreclosure starts have been declining. According to ATTOM Data Solutions’ most recent quarterly U.S. Foreclosure Market Report, there were a total of 143,105 U.S. properties with foreclosure filings in Q3 2019, and the average time to average time to foreclose saw an uptick in Q3 2019 as properties foreclosed during the quarter had been in the foreclosure process an average of 841 days, up from 716 days in the previous quarter and up from 713 days in Q3 2018 to the highest level since Q4 2017.Analyzing ATTOM’s data, BankForeclosuresSale.com determined that the first quarter of 2020 will show another decrease in the nation’s foreclosure rate.”Even when foreclosure rates dip, which is a good thing on many fronts, there are still opportunities for those interested in investing,” said Simon Campbell of BankForeclosuresSale.com. “In 2020, there will remain cities and states that have more available properties than others. For example, it makes sense to believe that New Jersey, Illinois, and Florida will continue to have some of the highest foreclosure rates in the country.” Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Home / Daily Dose / Foreclosure Timelines, State by State 2019-12-09 Seth Welborn Subscribe Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer.  Print This Post Related Articles Previous: Home-Equity Wealth Forecasted to Grow in 2020 Next: Update on Delinquency and Prepayments Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily in Daily Dose, Featured, Foreclosure, Newslast_img read more