Category: tajmg


first_img Show Comments ▼ Sunday 13 February 2011 10:17 pm Share whatsapp Read This Next’A Quiet Place Part II’ Sets Pandemic Record in Debut WeekendFamily ProofHiking Gadgets: Amazon Deals Perfect For Your Next AdventureFamily ProofAmazon roars for MGM’s lion, paying $8.45 billion for studio behind JamesFamily ProofYoga for Beginners: 3 Different Types of Yoga You Should TryFamily ProofIndian Spiced Vegetable Nuggets: Recipes Worth CookingFamily ProofBack on the Rails for Summer New York to New Orleans, Savannah and MiamiFamily ProofChicken Bao: Delicious Recipes Worth CookingFamily ProofCheese Crostini: Delicious Recipes Worth CookingFamily ProofNew England Patriots’ Cam Newton says no extra motivation from Mac Jones’Sportsnaut Tags: NULL BILL OF THE WEEK center_img whatsapp KCS-content A THIRSTY bunch crashed newly opened family restaurant Chabrot in Knightsbridge recently, taking advantage of the reasonable food prices to explore the fine wines menu put together by sommelier Philippe Messy.Balancing their liquids and solids, the four dinner guests kicked off their meal with a couple of plates of fois gras, salmon, oysters and a charcuterie.In a mood for sharing, they then moved on to partake of a whole leg of lamb alongside the obligatory greens and not-so-obligatory cheese platters. The feast was followed by a rich round of desserts, including a rice pudding and several slices of cake.All that food must surely have been enough to absorb some of the effect from a £600 bottle of Musigny, a bottle of Corton and a round of vintage Armagnacs. Ad Unmute by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryUndoTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastUndoSerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity TimesUndoBrake For ItThe Most Worthless Cars Ever MadeBrake For ItUndoZen HeraldNASA’s Voyager 2 Has Entered Deep Space – And It Brought Scientists To Their KneesZen HeraldUndoBetterBe20 Stunning Female AthletesBetterBeUndoAlphaCute30 Rules That All “Hells Angels” Have To FollowAlphaCuteUndoDefinitionDesi Arnaz Kept This Hidden Throughout The Filming of ‘I Love Lucy’DefinitionUndoTaonga: The Island FarmThe Most Relaxing Farm Game of 2021. No InstallTaonga: The Island FarmUndolast_img read more

30 Minutes with… Joe Moody

first_imgLATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS New Zealand prop Joe Moody provides an insight into the life of a world champion How does it feel to be a world champion? It still hasn’t sunk in yet, but it’s pretty huge to think we’ve been crowned world champions. And away from home in the UK!Tell us about the celebrations back in New Zealand…Airport staff were on the tarmac doing the haka before we’d even stepped off the plane. Then walking into the airport was unreal; the place was packed with fans welcoming us home. The parades in Auckland, Wellington and Christchurch were huge. It was humbling to see what our achievement meant to everyone.What were your RWC 2015 highlights? I wasn’t in the original 31-man squad and came in for the quarters as injury cover, so to be named to start in the final was huge for me. Off the pitch, it would be having my dad, uncle and girlfriend flying over at short notice.Who are the jokers in the NZ squad? Sam Cane has an endless supply of jokes, some good, some not so good.Any practical jokes you can tell us about? We were walking back to Ben Smith’s room one night to play cards and Ma’a Nonu jumped out from under the staircase with a Scream mask on. Big Brodie Retallick went as stiff as a board and Sam Cane got the fright of his life. It cracked me up!Scare factor: Ma’a Nonu breaks to score against Australia in the RWC 2015 final. Photo: Getty ImagesWhat’s the funniest thing you’ve seen on the pitch? I got down-trou’ed in a maul and it collapsed with an opposition player’s face fully between my cheeks! There’s a pic of it floating around somewhere – I was the ‘butt’ of a few jokes for a while.Do you have any phobias? I hate to say it, but I can’t stand spiders.What about superstitions? Whistling at night is a no-no. In Maori culture, it’s supposed to bring back bad spirits.What’s your most embarrassing moment? Toasting success: Joe Moody and Sam Whitelock with the Webb Ellis Cup. Photo: World Rugby/Offside center_img There are a lot to choose from! How about not knowing the royal’s name when he presented us with our (World Cup) medals? I just said, “G’day, mate.”Who’d you like to be stuck in a lift with? Jennifer Aniston. She’s a babe and I reckon she’d have good chat. I like a gal who can make me laugh.Who would play you in a film of your life? Gosh, I dunno… You’d have to say Brad Pitt, wouldn’t you? Could he grow a bushy beard though?How would you like to be remembered? Not for the down-trou incident, that’s for sure!Who would be your three dream dinner party guests? Michael Jordan – I’ve looked up to him since I was a kid. Alan Jackson (country singer) – my favourite musician. I’m unsure of a third – probably my dad.Sporting hero: Basketball legend Michael Jordan has a big fan in Moody. Photo: Getty ImagesWhat’s your guilty pleasure? Well, this is embarrassing – probably that very addictive girly TV show Revenge. It’s got me hooked.Do you have any surprising hidden talents? I can spin a basketball on my finger and do a few tricks. Oh, and I was also a pretty handy wrestler back in the day. Proper freestyle wrestling, not WWF style!What would you like to achieve outside of rugby? I’m a farm boy – that’s where my passion lies. My long-term goal is to run my own farm.This article appeared in the January 2016 edition of Rugby World. For the latest subscription offers click here, or find out how to download the digital edition here.last_img read more

Apopka Burglary Report

first_imgShare on Facebook Tweet on Twitter LEAVE A REPLY Cancel reply Apopka Burglary Report: Week Ending – 8/7/2017The Apopka Burglary Report for the week 7/31/2017 – 8/7/2017 shows nine burglaries reported in the City of Apopka.Two burglaries were reported at residences at Aspen Way and East 8th Street.Seven vehicle burglaries were reported on West Orange Blossom Trail, Errol Parkway, Tindaro Drive, Larkwood Drive, Boy Scout Road, Alambra Circle, and Windward Drive.No burglaries were reported at businesses.Apopka Chief of Police Michael McKinley tells us that many vehicle burglaries could have been prevented if everyone remembers to do just two things:Remove all valuables from your vehicleLock your car doorsThe breakdown of the burglaries reported to the Apopka Police Department last week: The Anatomy of Fear    2  – Business   0 –  Residential   7 –  Vehicle You have entered an incorrect email address! Please enter your email address here Support conservation and fish with NEW Florida specialty license plate center_img Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 TAGSApopka Burglary ReportApopka Police DepartmentBusiness Burglary ReportResidential Burglary ReportVehicle Burglary Report Previous articleT-Mobile launches discounted plan for seniorsNext articleFlorida’s fickle weather brings more rain in the wake of drought Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your name here Please enter your comment! Save my name, email, and website in this browser for the next time I comment.last_img read more

Zinsganshina House / Bailorull ADD+

first_img Year:  CopyAbout this officeBailorull ADD+OfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesSant Cugat del VallèsHousesSpainPublished on October 14, 2014Cite: “Zinsganshina House / Bailorull ADD+” 14 Oct 2014. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogPanels / Prefabricated AssembliesTechnowoodSiding Façade SystemPlasticsMitrexSolar SidingMetal PanelsAurubisCopper Alloy: Nordic BronzeArmchairsAndreu WorldGrand Raglan – Lounge ChairSinksBradley Corporation USASinks – Frequency® FL-SeriesPlantingSikaGreen RoofsStonesCosentinoSilestone Surfaces – Ethereal CollectionMetal PanelsLongboard®Aluminum Battens – Link & Lock – 8″Panels / Prefabricated AssembliesFranken-SchotterFacade Panels – Dietfurt LimestoneWindowsRabel Aluminium SystemsMinimal Casement Windows – Rabel 8400 Slim Super Thermal PlusWoodGustafsWood Cladding in St. Erik Eye HospitalLightsKKDCLighting – Groove FLEXMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream 2013 Houses ArchDaily ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Zinsganshina House / Bailorull ADD+ Photographs 2013 Spain Architects: Bailorull ADD+ Area Area of this architecture project Projects ShareFacebookTwitterPinterestWhatsappMailOr Clipboard photographs:  José HeviaPhotographs:  José HeviaTechnical Architect:José Antonio Quesada ChecaClient:grupo MARCOVEBudget:500.000€Project Started:june 2012Authors:Manuel Bailo Esteve, Rosa Rull BertránArchitect In Charge:Josep Puigdemont Vinyals, Javier Jiménez IniestaCity:Sant Cugat del VallèsCountry:SpainMore SpecsLess SpecsSave this picture!© José HeviaRecommended ProductsPorcelain StonewareApavisaSlabs – ConcretePorcelain StonewareApariciPorcelain Tiles – BrickworkPorcelain StonewareGrespaniaPorcelain Tiles – 20MMText description provided by the architects. It is a house that would prefer to be more stuck in the ground. A house which seeks for its roots in a very clear and determined way. Radically deprived of any act that may hinder its real interest: the feet on the ground and the roof in the sky. The concrete structure and its screens end up defining the space almost prematurely; and the ceramic deck collects the reflections of the sun and the clouds. In this house the domestic space remains between the structure and the landscape.Save this picture!Floor PlanThe plot, that has a complex geometry as a result of being a residue of a residential zone, will end up positioning the house and the program. The house is organised in two floors. In the first level, at street level, the house, which contains a more public program, grabs to the ground thanks to the structure of the concrete walls. In the second level, hanging over the garden, are placed the rooms, which, thanks to the white ceramic layer of the house, camouflage with the clouds.Save this picture!© José HeviaThe interior of the house is organized around a double height central space that intertwines in a spiral way the ground level with the vitrified ceramic clouds. Modern architecture has made the roof one of the house’s appearance fundamental defining elements.Save this picture!DiagramThe Zinganshina house has allowed us to debate on the questions raised by Le Corbusier in announcing the need to understand the roof not only as a protective cover water element but also as the fifth facade and as a space. An issue that has reached our days, when, recently, the roof has overcome the requirement of having to be necessarily designed flat to be contemporary.Save this picture!© José HeviaThe Zinganshina House has given us the opportunity to transform the roof in the element that defines the image of the house. We haven’t proposed a flat roof, but instead a pitched roof that determines the exterior volume and the interior space of the house. A roof coated with vitrified enameled and matt hexagonal tiles that protect the roof slab.The hexagonal pieces are modern white, as could not be otherwise.Save this picture!© José HeviaProject gallerySee allShow lessKomachi Building / Key OperationSelected ProjectsVigoss R & D / Zemberek Design OfficeSelected Projects Share Year:  Save this picture!© José Hevia+ 18 Share “COPY” CopyHouses•Sant Cugat del Vallès, Spain Zinsganshina House / Bailorull ADD+Save this projectSaveZinsganshina House / Bailorull ADD+ “COPY” Area:  289 m² Area:  289 m² Year Completion year of this architecture project last_img read more

Newspaper editor facing 12 years in prison under anti-terrorism law

first_img July 6, 2020 Find out more December 4, 2019 Find out more November 19, 2020 Find out more News On eve of the G20 Riyadh summit, RSF calls for public support to secure the release of jailed journalists in Saudi Arabia Help by sharing this information News Follow the news on Argentina ArgentinaAmericas Receive email alerts Journalists face archaic sanction of capital punishment in some parts of the worldcenter_img Organisation News News ArgentinaAmericas to go further Reporters Without Borders condemns the serious charges that are being brought against regional newspaper editor Juan Pablo Suárez in connection with his coverage of police demonstrations for more pay in the northern city of Santiago del Estero last December.The editor of the Última Hora daily, Suárez spent ten days in detention on an initial charge of sedition after being arrested on 9 December while covering the violent arrest of one of the protest leaders.Suárez is still being investigated and it turns out that he is being charged with “inciting collective violence” and “terrorizing the population” under an anti-terrorism law that carries a possible 12-year jail sentence.“We call for the immediate withdrawal of these absurd charges against Suárez,” said Camille Soulier, the head of the Reporters Without Borders Americas desk. “How can filming an arrest be construed as a terrorist activity? By using the anti-terrorism law against a journalist for the first time, the Santiago del Estero authorities are sending a clear message that they will tolerate no criticism.”Suárez’s lawyer, Víctor Nazar, told Reporters Without Borders: “There are no legal grounds for the sedition charge and still less for applying the anti-terrorism law because the only thing Suárez did was cover a protest for more pay. The reasons are political. He is the only journalist who firmly criticizes the government’s policies and the only one to cover all the pay demands.”The anti-terrorism law is the result of a 2007 reform of the penal code. Article 212, the one being used against Suárez, says: “Publicly inciting collective violence against groups of persons or institutions is punishable by three to six years in prison for just the act of incitement.”According to article 41, a 2011 addition, all sentences in the penal code are doubled if the crimes are committed “with the aim of terrorizing the population.” One of the main criticisms of this law is the lack of precision about the term “terrorist acts” and the fact that this leaves the way open to abuses.Argentina is ranked 55th out of 180 countries in the 2014 Reporters Without Borders press freedom index.Photo: Twitter RSF_en Latin American media: under control of families, economic and political elites May 14, 2014 – Updated on January 20, 2016 Newspaper editor facing 12 years in prison under anti-terrorism lawlast_img read more

Pasadena Joins Crackdown on Texting and Handheld Cell Use While Driving

first_img Community News 8 recommended0 commentsShareShareTweetSharePin it 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. As part of April’s Distracted Driving Awareness Month campaign, Pasadena Police Department will be joining with over 200 other local law enforcement agencies and the California Highway Patrol in a month long “zero tolerance” enforcement and education campaign to curb those texting or operating hand-held cell phones while driving. Officers will be on alert throughout the month for those who break the cell phone laws and place themselves and others in danger. Special high visibility enforcement operations to cite cell phone violators will take place on April 4, 2014.The increased enforcement and education aims to persuade drivers to recognize the dangers of distracted driving and reduce the number of people impacted by this perilous behavior. The “It’s Not Worth It!” theme emphasizes that a phone call or text isn’t worth a hefty fine or a collision. The current minimum ticket cost is $161, with subsequent tickets costing at least $281.“We take the issue of distracted driving very seriously,” said Pasadena Police Chief Sanchez, “because we see the aftermath of these totally preventable crashes. Is that text message or cell phone call really worth $161, or worse, someone’s life?”Drivers who use hand-held devices are four times as likely to get into crashes serious enough to injure themselves. In addition, studies show that texting while driving can delay a driver’s reaction time just as severely as having a blood alcohol content of a legally drunk driver. According to research, sending or receiving a text takes a driver’s eyes from the road for an average of 4.6 seconds. Even a three second glance at freeway speeds means a driver has traveled the distance of a football field.Research shows that there is no difference in the risks between hands-free and hand-held cell phone conversations, both of which can result in “inattention blindness” which occurs when the brain isn’t seeing what is clearly visible because the drivers’ focus is on the phone conversation and not on the road. When over one third of your brain’s functioning that should be on your driving moves over to cell phone talking, you can become a cell phone “zombie.”These operations are funded through a grant by the California Office of Traffic Safety through the National Highway Traffic Safety Administration. First Heatwave Expected Next Week Community News Your email address will not be published. Required fields are marked * Subscribe Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Public Safety Pasadena Joins Crackdown on Texting and Handheld Cell Use While Driving Published on Wednesday, March 19, 2014 | 3:06 pm Business Newscenter_img Make a comment EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS More Cool Stuff Name (required)  Mail (required) (not be published)  Website  Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPasadena Water and PowerPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes HerbeautyYou Can’t Go Past Our Healthy Quick RecipesHerbeautyHerbeautyHerbeautyThese Are 15 Great Style Tips From Asian WomenHerbeautyHerbeautyHerbeauty6 Lies You Should Stop Telling Yourself Right NowHerbeautyHerbeautyHerbeauty10 Questions To Start Conversation Way Better Than ‘How U Doing?’HerbeautyHerbeautyHerbeautyA Mental Health Chatbot Which Helps People With DepressionHerbeautyHerbeautyHerbeauty6 Trends To Look Like A Bombshell And 6 To Forget AboutHerbeautyHerbeauty Top of the News last_img read more

Limerick mother “blown away” by response to appeal for funds for…

first_imgTwitter Limerick’s National Camogie League double header to be streamed live A Limerick mother of one said she is “blown away” by the response to her urgent appeal for emergency funds to enrol her young son in a US cancer trial, that could help save his life.Friends of Eleanor Murnane, from Murroe, set up a gofundme account online, last Tuesday, which this Sunday had raised over €220,000 of a €375,000 goal.Sign up for the weekly Limerick Post newsletter Sign Up The funds will go towards travel, accommodation, and costs of the New York cancer trial, which is scheduled to begin in January.“I’m just blown away by the kindness of so many people. I really can’t thank people enough for their donations, prayers and text messages,” said Ms Murnane.Her son, Theo, (3), was diagnosed with Stage Four cancer two weeks after his second birthday in May 2018, after doctors at University Hospital Limerick found a large tumour in his abdomen had spread to his bones and scalp.“He’s my only boy, so I need to get him to New York, I can’t afford to wait, but I need €375,000,” Ms Murnane said.Ms Murnane said the treatment that is being made available in New York involves “an enhanced round of immunotherapy” which is hoped will considerably lower the chances Theo’s cancer returning.The trial is initially scheduled for one year.“We hope to be over there for a month initially and then travel back and forth over the year. It will hopefully massively improve his chances. I don’t want to regret not doing this and for it to be too late, so I have no choice but to try,” she said.“It takes a community to raise a child and my community have been incredible. Thank you from the bottom of my heart for all your donations, prayers, and messages,” she said.Theo is just finishing seven months of harsh chemotherapy and radiotherapy, as well as a round of immunotherapy, which Ms Murnane explained “trains the white cells to recognise and fight cancer cells”.After he was rushed by ambulance from UHL to Crumlin Children’s Hospital, doctors diagnosed Theo with Stage 4 high-risk neuroblastoma, and within hours the little boy was receiving his first dose of chemotherapy and “our world had fallen apart”.“Since then, Theo has had his tumour removed and gone through numerous rounds of chemotherapy, a double stem cell transplant, fourteen rounds of radiotherapy and six rounds of immunotherapy.”However there have been “setbacks along the way, including two very serious infections which had him admitted to Intensive Care”.Ms Murnane said she has “come scarily close” to loosing her son to cancer, but thankfully he has  continued to “defy all odds and battle through”.“He is just about to finish his last round of immunotherapy, after which we are hopeful for a clear scan. Unfortunately, with the type of cancer that Theo has, the chance of re-occurrence is extremely high, we now need help.”In a heartbreaking plea for funds, Ms Murnane said: “Today, as Theo’s mum, I am asking you to help me get Theo on a clinical trial at Memorial Sloan Kettering Hospital Cancer Centre in New York.This trial will help prevent the cancer re-occurring and greatly improve Theo’s chances of survival.”“Theo deserves a long, healthy life free from pain and fear. I have to do everything in my power to make sure he gets this. We need to raise €375,000, time is not on our side, as Theo needs to be in New York by January 2021, so we urgently need help.”The battle has been hard: “Theo is only three, yet has been in treatment for two and a half years. The last two and a half years have been incredibly tough, especially as a single parent. I have learned firsthand how precious life really is and how quickly it can all be taken away.”“I think the hardest part of cancer treatment is at the end, when everyone assumes you’re cured and you no longer need their help – This isn’t true, believe me, this is when you’re at your absolute weakest.”“I have laid my child in a surgeon’s arms and spent Christmas keeping watch over him in ICU; I have slept upright in a hospital chair and listened to the beeping of machines; I have smiled through the tears and found strength when there wasn’t any left,” Ms Murnane offered.“I have done it all for Theo, who is at the end of the day just a very normal, very precious boy, full of mischief, quick to smile, and a big fan of Tractor Ted and Paw Patrol. Today, I need my friends and community to help me give Theo the best future he can possibly have,” she said.Donations can be made via Linkedin WhatsApp Roisin Upton excited by “hockey talent coming through” in Limerick Print Email Limerick Ladies National Football League opener to be streamed live Facebookcenter_img Previous articleDaughter of teen murdered 13 years ago makes emotional appeal for information to help put killer “behind bars”Next articleU.S. Senator Bernie Sanders and former President of Ireland Mary Robinson amongst speakers at the I.N.Y. Festival 2020 presented virtually from Limerick David Raleigh RELATED ARTICLESMORE FROM AUTHOR LimerickNewsLimerick mother “blown away” by response to appeal for funds for son to take part in US cancer trialBy David Raleigh – November 23, 2020 283 TAGSKeeping Limerick PostedlimerickLimerick Post WATCH: “Everyone is fighting so hard to get on” – Pat Ryan on competitive camogie squads Billy Lee names strong Limerick side to take on Wicklow in crucial Division 3 clash Advertisement Donal Ryan names Limerick Ladies Football team for League opener last_img read more

First and Second Mortgage Default Rates Rise for the Second Time in Three Months

first_img Previous: Share of Underwater Borrowers Drops to 8.7%; ‘Negative Equity Epidemic is Lifting’ Next: Watchdog Says Controls for CFPB Complaint Database Can Be Enhanced  Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago First and Second Mortgage Default Rates Rise for the Second Time in Three Months Home / Daily Dose / First and Second Mortgage Default Rates Rise for the Second Time in Three Months Demand Propels Home Prices Upward 2 days ago Consumer Credit Default Mortgage Defaults S&P/Experian Consumer Credit Default Indices 2015-09-15 Brian Honea Sign up for DS News Daily in Daily Dose, Featured, News Related Articles Tagged with: Consumer Credit Default Mortgage Defaults S&P/Experian Consumer Credit Default Indices Demand Propels Home Prices Upward 2 days ago Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img About Author: Brian Honea Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago The Best Markets For Residential Property Investors 2 days ago Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. The Week Ahead: Nearing the Forbearance Exit 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago September 15, 2015 1,564 Views The default rates for both first and second mortgages rose from July to August, marking the second time in three months the rates have increased since hitting historical lows in May, according to S&P Dow Jones Indices and S&P/Experian Consumer Credit Default Indices for August 2015 released Tuesday.The first mortgage default rate for August was 0.84 percent, up four basis points from July. This default rate fell to a historic low of 0.74 percent in May, then jumped by six basis points in June and held steady in July. The second mortgage default rate climbed by two basis points in August up to 0.57 percent; this rate, too, had fallen to a historic low in May (0.42 percent), then climbed 13 basis points in June before holding at 0.55 percent in July.The composite default rate, which includes first and second mortgage defaults as well as defaults on bank cards and auto loans, rose by four basis points up to 0.96 percent in August. This was also the second increase in three months for the composite default rate, which rose by five basis points in June and ticked down by one basis point in July after falling to a historic low of 0.88 percent in May. The S&P/Experian Consumer Credit Default Indices were launched in May 2010.”The ongoing improvement in the consumer economy is reflected in consumer credit default rates.”The only one of the indices within the composite that declined from July to August was the bank card default index, fell by eight basis points to 2.71 percent.”The ongoing improvement in the consumer economy is reflected in consumer credit default rates,” said David M. Blitzer, Managing Director and Chairman of the Index Committee at S&P Dow Jones Indices. “In recent months, we have seen substantial job growth, increases in consumer spending, and a rise in consumer credit outstanding. Despite continued weak wage growth, consumer credit default rates remain in a narrow range at low pre-financial crisis levels. Two economic areas showing strength are auto sales and housing. Car and light truck sales saw recent gains reaching an annual rate of about 17.5 million units as sales of new homes and housing starts picked up. To reflect that the growth in credit is largely due to loosening of credit standards indicating banks are willing to bear increased risk by approving more subprime consumers—which will lead the higher default rates.”Analysts are currently anticipating the impact of a potential federal funds target rate increase by the Federal Reserve later this week. The Federal Open Market Committee will announce their decision on Thursday.”Presumably, the Fed will raise interest rates, the question is whether it will be now, late this year, or sometime in the first half of 2016. Little initial impact is expected on consumer use of credit or on default rates,” Blitzer said. “A quarter-point increase in the Fed funds rate will not affect fixed rate mortgage loans or auto financing. Some small increases in interest rates on bank cards and similar lending may occur in the months following Fed action. Adjustable rate mortgages tied to market rates will rise as mortgage loans reach dates when rates reset. Barring a pattern of rapid sustained interest rate increases from the Fed—which no one foresees—the near-term impact on consumer defaults will be very small. Immediate results of a Fed move will be seen in the stock and financial markets.” Servicers Navigate the Post-Pandemic World 2 days ago Subscribelast_img read more

Deputy Pringle – Donegal County Council penalised for balanced budget books

first_img Dail to vote later on extending emergency Covid powers Donegal Deputy Thomas Pringle says County Councils which aren’t balancing their books appear to be rewarded by Government while those that do are not.The Independent TD has questioned a Government top-up of 1 million euro to Sligo County Council despite it having increasing levels of debtHe says this is unfair as Donegal County Council has acted responsibly and adopted balanced budgets in recent years and has received no such support.Deputy Pringle says the system seems flawed:[podcast][/podcast] Man arrested in Derry on suspicion of drugs and criminal property offences released Deputy Pringle – Donegal County Council penalised for balanced budget books News Google+ Pinterest Pinterest WhatsApp Facebook Twitter Facebookcenter_img Google+ RELATED ARTICLESMORE FROM AUTHOR By News Highland – January 23, 2014 70% of Cllrs nationwide threatened, harassed and intimidated over past 3 years – Report Twitter Minister McConalogue says he is working to improve fishing quota Previous articleBuncrana Councillor urges President not to sign off on scrapping of Town CouncilsNext articleWoman in court charged with stealing 30k from Culmore Parish Church News Highland Dail hears questions over design, funding and operation of Mica redress scheme WhatsApp Need for issues with Mica redress scheme to be addressed raised in Seanad also last_img read more

Definitive answer to assessing HR’s value

first_img A research project claims to have come up with the definitive measurements for assessing the value of HR to an organisation.The project involved 40 HR professionals from companies including GKN, Hewlett-Packard and Glaxo Wellcome.The study, by international management consultancy The Concours Group, defines five measurement categories – internal operations, strategic alignment of HR with the business, employee capabilities, organisational capabilities and organisational learning/adaptability.“Measuring the business impact of HR is universally appealing but there is almost no evidence that anyone has managed to do this effectively,” said Europe managing director John Cooper.The tool will “enable HR directors to become more knowledgeable business leaders, earning the confidence of the CEO and their seat at the top table”, he said. The five categories should be built into an “analytic process” rather than a “standard HR scorecard”, the researchers conclude.Examples of the criteria for internal operations include the cost of HR relative to the total company expenses, the cost of filling a vacancy, HR staff per employee, the cost per day of classroom training, time to fill key vacancies and cost of benefits per employee.The project also recommends preparing separate HR reports for different Previous Article Next Article Related posts:No related photos. Comments are closed. Definitive answer to assessing HR’s valueOn 4 Jul 2000 in Personnel Todaylast_img read more