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Forget a cash ISA! If you want to make a million here’s 2 things I’d do instead

first_img I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Enter Your Email Address “This Stock Could Be Like Buying Amazon in 1997” Simply click below to discover how you can take advantage of this. Would you like to make a million? I expect you would. Will you achieve it using a Cash ISA?With typical interest rates lower than inflation, you’ll lose money in real terms with a Cash ISA. So that seems like a no.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…Looking round today, I’m seeing top rates of around 1.3%, while inflation is expected to come in at 1.8% in the first quarter of 2020. You can get slightly better rates if you’re prepared to tie up your cash for a fixed term. But that removes what I see as the only possible Cash ISA advantage, easy access.It’s a shame a Cash ISA is so poor, because it gives investors a jaundiced view of ISAs in general. And that must surely put some people off considering a Stocks and Shares ISA as an alternative.Buy sharesAnd that is one of the two things I’d do instead of saving cash – I’d set up a Stocks and Shares ISA.You don’t need a lot of money to get started, and you can usually transfer in regular small sums every month. Once you have enough for an investment, you can take your time choosing the shares you want to buy – there’s no pressure to invest quickly.Transaction charges tend to be fixed, and are usually low. My provider charges a fixed £11.50 per buy or sell, for example, and there’s 0.5% stamp duty to pay on purchases (but not on sales). I think around £1,000 is a good minimum for a single purchase, to keep charges low as a proportion of the investment.You’ll need an investment strategy, of course, but I don’t think that need be very complicated at all. One simple approach I like is to pick FTSE 100 companies paying attractive dividends, and diversify your picks across different sectors to spread the risk.Now, not all dividend stocks are reliable, and some can fail badly. But if you check our Motley Fool articles, it’s very likely our writers will have picked up on any risks. Right now, for example, I’m extremely sceptical of BT Group‘s potential 10% dividend.Wait and watchOnce your Stocks and Shares ISA is underway, the second thing I’d do is wait and watch. Watch for what? For dividends.Looking back on 2019, I received a payment £174.51 in May, followed by £79.90 in September. That’s my dividend income from my Aviva shares. The total of £254.41 isn’t enough to retire on, but it’s money I didn’t have to work for. And, if I’d invested my Aviva stake in a Cash ISA instead, I’d have had only £45 in interest.I always reinvest my dividends, so I combined my Aviva cash with dividends from other shares for my next purchase.What would it take to make an actual million? UK shares have returned around 4.9% above inflation per year for the past century. Allowing for 2% inflation long term, I reckon you’d need to invest around £870 per month for 30 years. For a lot of people, I think that’s actually feasible. But whatever you can afford to invest, you could do much better with a Stocks and Shares ISA than a Cash ISA. 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. Alan Oscroft | Saturday, 15th February, 2020 center_img Our 6 ‘Best Buys Now’ Shares Image source: Getty Images Forget a cash ISA! If you want to make a million here’s 2 things I’d do instead 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. Alan Oscroft owns shares of Aviva. 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. See all posts by Alan Oscroftlast_img read more

Sunday House / Teeland Architects

first_imgArchDaily Manufacturers: Centor, AWSSave this picture!© Jared FowlerRecommended ProductsWindowsKalwall®Facades – Window ReplacementsWindowsLibartVertical Retracting Doors & WindowsWindowsOTTOSTUMM | MOGSWindow Systems – BronzoFinestra B40DoorsSaliceSliding Door System – Slider S20Text description provided by the architects. Our clients purchased a late 1970’s modernist brick beach house in Noosa, Australia for a subtropical retreat from the cool Victorian climate. The house was located on a wonderful site that backed onto the Noosa National Park and surfing beaches. The existing dark brown brick residence, although well constructed at the time, had visually dated quite badly and did not take best advantage of the amazing site that backed onto a subtropical rainforest. The owners brief was to modernise the house while retaining as much of the existing building structure as possible.Save this picture!© Jared FowlerOne of the challenges with the existing house is that it did not take full advantage of the fantastic location backing onto the national park. The rear of the house was largely a solid brick wall looking onto this beautiful view. We proposed carving out a series of new openings in the rear wall so that bedrooms and bathrooms would look out onto this very private serene landscape. Originally, the house was quite dark internally so we pushed a series of timber lined light wells up through the roof. This allowed natural light to flow in from a high level, as well from the new openings in the brick walls.Save this picture!© Jared FowlerSave this picture!Upper Level PlanSave this picture!© Jared FowlerThe other significant challenge to modernise the existing house was how to transform the front street elevation. The original house had an unflattering rough dark brown brick facade with two equally brown garage doors. A separate consideration was that the street elevation faced east and hot morning sun would blast in through the kitchen and dining windows in summer. Our approach was to render the brick in a natural cement finish and design a beautiful timber screen that sat in front of the original facade. This light weight hardwood structure resulted in a refined modern elevation to the street, while also providing sun protection and privacy for the internal spaces.One of the most unique and delightful design elements of the new house is the semi outdoor bathrooms that look out onto the national park. The original house had an aged light brown plastic shower unit that sat on the back deck, where you could shower outside looking into the forest. The owners loved this feature, so we designed the new bathrooms as hardwood boxes with copper fittings that are largely open onto the private subtropical rainforest.Save this picture!© Jared FowlerProduct Description. Our clients purchased a late 1970’s modernist brick beach house in Noosa, Australia for a subtropical retreat from the cool Victorian climate. The house was located on a wonderful site that backed onto the Noosa National Park and surfing beaches. The existing dark brown brick residence, although well constructed at the time, had visually dated quite badly and did not take best advantage of the amazing site that backed onto a subtropical rainforest. The owners brief was to modernise the house while retaining as much of the existing building structure as possible.Save this picture!© Jared FowlerProject gallerySee allShow lessIndia | Pakistan Border of PeaceIdeasBauhaus Museum Dessau to Begin Construction with Foundation Stone CeremonyArchitecture News Share “COPY” Sunday House / Teeland ArchitectsSave this projectSaveSunday House / Teeland Architects Sunday House / Teeland Architects Projects “COPY” Photographs:  Jared Fowler Manufacturers Brands with products used in this architecture project ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Save this picture!© Jared Fowler+ 22 Share Area:  400 m² Year Completion year of this architecture project center_img Architects: Teeland Architects Area Area of this architecture project Houses CopyHouses•Noosa Shire, Australia Photographs 2016 ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Australia Year:  CopyAbout this officeTeeland ArchitectsOfficeFollowProductsWoodBrick#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesNoosa ShireAustraliaPublished on November 30, 2016Cite: “Sunday House / Teeland Architects” 30 Nov 2016. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogPanels / Prefabricated AssembliesTechnowoodGRP Siding Façade SystemPlasticsMitrexSolar SidingMetal PanelsAurubisCopper Alloy: Nordic RoyalSystems / Prefabricated PanelsKalwall®Translucent WalkwaysPanels / Prefabricated AssembliesIsland Exterior FabricatorsSpecialty Facade SystemsLightsLouis PoulsenLamps – LP Slim BoxWoodBruagAcoustic Panels with LEDTiles / Mosaic / GresiteHisbalitMosaic Tiles – Palm SpringsMineral / Organic PaintsKEIMBlack Concrete – Concretal®-BlackSuspension SystemsMetawellAluminum Panels for Smart CeilingsDoorsGorter HatchesFloor Door – Fire RatedBricksDEPPEWaterstruck Bricks – 1622/1635ekws DFMore products »Read commentsSave世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

FRSB telephone fundraising summit finds four issues needing clarification

first_img Howard Lake | 8 December 2009 | News FRSB telephone fundraising summit finds four issues needing clarification AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis The telephone fundraising summit hosted on 27 November by the Fundraising Standards Board (FRSB) agreed on four aspects that needed greater clarification.The summit was called following uncertainty and debate in the fundraising sector about when fundraisers are permitted to call existing supporters (particularly those signed up to the TPS), what permissions and notification are required at which stage of the charity-donor relationship, and confirmation of what is construed as an administrative as opposed to a marketing call.The four areas that were discussed and actions agreed upon were: Advertisement Tagged with: Fundraising Standards Board Individual giving Law / policy Telephone fundraisingcenter_img 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 Researching massive growth in giving.  32 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis * The Data Protection Good Practice Note for charities, available in PDF from the Information Commissioner’s Office (ICO), states that charities can continue to call existing supporters who have subsequently signed up to the TPS “for the time being”. The implication is that the charity’s existing relationship with a supporter would allow them to contact them.It was agreed that the ICO will be asked to confirm what is acceptable.* The Institute of Fundraising’s Telephone Fundraising Code refers to donors with whom charities have a “warm” relationship. Fundraisers have expressed uncertainty about what constituted a warm relationship and, during the summit, it was recommended that a definition should be included within the Code.The Institute of Fundraising is to discuss this proposal with their Standards Committee.* The Data Protection Good Practice Note for charities from the Information Commissioner’s Office (ICO) includes ./guidance about gaining permission from the public for future contact by the organisation and notification of how the charity might use their personal data. It was agreed that fundraisers need clarification about exactly what permissions and notifications are required at which stage of the donor-charity relationship in order to make subsequent marketing calls.The ICO will be asked to confirm what permissions and notifications are required.* The Privacy and Electronics Communications (EC Directive) Regulations 2003 covers marketing calls (which includes charity fundraising). This has been the subject of considerable debate within the sector in terms of what constitutes a marketing call, as opposed to an administrative call for fundraisers.It was agreed that greater clarity should be given to aid fundraisers make this distinction. The Information Commissioner’s Office (ICO) will be asked to provide a fuller interpretation of the ./guidance.Colin Lloyd, Chair of the Fundraising Standards Board and The Telephone Preference Service, and Chair of the Summit, said: “Since the telephone fundraising Code and ICO ./guidance for charities were first introduced, the standard and sophistication of telephone fundraising has risen substantially.“But it is clear that there are varying interpretations within the fundraising community as to how the ./guidance should be applied in practice. This extra step is essential if we are to ensure that fundraisers can be 100% clear about what constitutes best practice in telephone fundraising, in order to adhere to the same high standards.”The telephone fundraising summit was attended by regulatory, professional bodies and other involved parties including the FRSB, Institute of Fundraising, Telephone Preference Service (TPS), Direct Marketing Association (DMA), two leading telephone fundraising suppliers (Relationship Marketing and Pell & Bales), three charities (British Red Cross, Kidney Research UK and British Heart Foundation), Public Fundraising Regulatory Association (PFRA), Reynolds Busby Lee (a customer care and direct marketing agency)and charity law specialists Bates Wells & Braithwaite.The Fundraising Standards Board and Institute of Fundraising are now collaborating on a response to the ICO that will highlight areas of legislation and best practice in telephone fundraising that require greater clarity, seeking approval for the various recommendations highlighted above.The ICO response will be fed back to the Institute of Fundraising’s Standards Committee for consideration within the telephone fundraising code or supporting ./guidance.It is intended that a sector event will be held to discuss these areas of uncertainty and provide confirmation of the latest ./ read more

New York City rally supports Colin Kaepernick

first_imgNew York, Aug. 23 — A multinational crowd of at least 2,000 people, mainly African American, rallied here in front of the National Football League’s headquarters at 53rd Street and Park Avenue today to express their solidarity with Colin Kaepernick, the former San Francisco 49ers quarterback. The support action comes as Kaepernick’s anti-racism protest spreads among NFL players.At the rally, speakers called for a boycott of NFL games by season ticket holders and TV viewers until Kaepernick is signed by a team. The NAACP has demanded a meeting with the NFL hierarchy, which represents the interests of the billionaire owners, on behalf of Kaepernick.  Many held signs saying “#IamwithKap.”Kaepernick, who is Black, sent shock waves throughout the NFL, other sports leagues and U.S. society as a whole, when he kneeled during the playing of the national anthem during the 2016 football season. He took a knee to protest racist police brutality, starting soon after the murders of Alton Sterling in Baton Rouge, La., and Philando Castile outside St. Paul, Minn.Since Kaepernick opted out of his contract with the 49ers, no other NFL team has signed him so far.  Many of his supporters believe that the all-white and all-billionaire NFL owners are collectively punishing Kaepernick for his heroic political stance against racism, which continues to resonate with the public and with fellow football players during 2017 preseason games.Kaepernick’s supporters say that this “blackballing” tactic is an attempt to discourage other players from expanding Kaepernick’s protest against racist injustice.  If this is the owners’ plan, it clearly isn’t working. Support for this anti-racist protest has now spread beyond just the Black players, especially in reaction to the Aug. 12 white supremacist deadly violence in Charlottesville, Va.Black NFL players such as Eric Reid, Michael Bennett and Malcolm Jenkins continue to protest against the anthem, with support from white players such as Justin Britt and Chris Long.  Just recently, Seth Devalve became the first white player to kneel during the national anthem along with 11 of his African-American Cleveland Browns teammates.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Venezuela: Guaidó under investigation for “Attacking the Constitutional Order”

first_imgThis article was published first in on April 3. Translated by Michael Otto.The National Constitutional Assembly (ANC) issued Tuesday night [April 2] a constitutional decree that “authorizes the prosecution of citizen deputy Juan Guaidó” in application of Article 200 of the Constitution. The text was read by the president of the Assembly, Diosdado Cabello, in response to a request from the Supreme Court of Justice (TSJ) which had asked the ANC to lift Guaidó’s parliamentary immunity.The decision implies that the investigation of Guaidó’s culpability will continue via the normal legal system. In January, the Public Prosecutor’s Office, with the authorization of the Supreme Court of Justice, opened an investigation into “violent acts in the country, pronouncements by foreign governments and the freezing of assets of the republic, which would imply the commission of serious crimes that threaten the constitutional order.” With the lifting of parliamentary protection, the process will continue through the Supreme Court of Justice.To understand why the request was made to the ANC and not to the National Assembly (AN), as dictated by Article 200, it is necessary to remember that the AN has been in contempt since 2016 — due to the refusal to reopen the elections of three fraudulently elected deputies — and has not respected decisions taken by the judiciary. Several powers have thus been assumed by the ANC, made up of 537 members elected on July 30, 2017, with powers framed in the provisions of Article 349 of the Constitution that grant a higher rank than the power so constituted in the AN, which is currently subordinated to the mandates of the ANC.The removal of parliamentary immunity opens up a whole new political scenario. Threats of retaliation announced by U.S. government spokespeople in the face of Guaidó’s possible arrest have been repeated since he proclaimed himself president on Jan. 23. Marco Rubio, Republican senator from Florida, one of the main promoters of the attempt to overthrow Nicolás Maduro, tweeted Tuesday afternoon that “any attempt to kidnap Guaidó must be considered a coup d’état by all nations that recognize him as the legitimate interim president of Venezuela.”  Guaidó’s response, speaking to the media after learning of the ANC’s decision, was to ignore the legality of the decision, as well as that of the Supreme Court of Justice. He replied with a reaffirmation of his will to continue with his plan: “If they want to move forward, let them do it and suffer the consequences. What is the political price to pay for a regime that kidnaps a president in charge?” he asserted, describing the “regime” as “desperate,” and that if he were arrested, it would constitute a coup d’état.He called on his followers to remain in the streets, to summon forces for Saturday, April 6, the day on which the “Exercise Operation Freedom” will be staged, and to set in motion the “organized strategic mega-protest.” Thus far he has not given any details about how the so-called operation will be implemented, although he had already announced that [his forces] would create “freedom and aid committees” that would spawn “freedom cells” without providing any explanation.The decision of the ANC marked a political moment of stagnation and reversal for Guaidó’s process of consolidation. His calls for mobilizations have not been able to reach higher levels of intensity, despite the narrative that he claims to represent 90 percent of society. He has not been able to develop new initiatives that would allow for a breakthrough to change the balance of power.  His latest unsuccessful moves were focused on trying to promote and profit from unrest provoked by the blackouts and the subsequent lack of water — for which the government holds him responsible. Guaidó’s public agenda only has Saturday’s action for a roadmap.The very real possibility of Guaidó being arrested would be a true test of his national support: Would it trigger a massive mobilization as he predicts? Or, on the contrary, would he fail to gain any more support than he has from his own social base that feels at least partly deceived because he hasn’t kept his promises to immediately [replace Maduro]?And also and above all his international backers: What will Donald Trump’s administration be willing to do when faced with the possible lack of national support? Will they take one more step? Their ambiguous rhetoric, which blows hot and cold with threats to intervene militarily or not, would have to be clarified.The debate in the ANC — which is composed of pro-Chávez deputies because the opposition did not [run candidates] in the July 30, 2017, elections — considered two central issues: justice and national and international politics. In the first case, the need not to permit impunity, owing to the gravity of events spearheaded by Guaidó. In the second case, the relationship of  forces: the timing of the attempted coup at home, as well as the dynamic in the international arena.The latter has escalated in particular with the presence of the Russian Federation, which has carried out diplomatic actions and military cooperation with the Venezuelan government. A high official of the U.S. Department of State has suggested that the U.S. will make that point at the NATO meeting to be held this week [April 2-4] in Washington.   During the next few days, and particularly on Saturday, April 6, it will become clear what real capacity Guaidó has for a mobilized response. In this regard, it’s always important to remember two things: First, there is a publicly announced plan and another one prepared in the shadows, which involves armed groups, mercenaries, and has a schematic of military escalation. Second, it is sectors in Trump’s government and in the deep North American state that direct the strategy and finance the actions.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

TCU puts together ‘great team effort’, snaps seven-game losing streak against Oklahoma, 82-63

first_imgFacebook Garrett Podell + posts The College of Science and Engineering Dean, Phil Hartman, retires after 40 consecutive years Desmond Bane soars in for a layup against Oklahoma in the Big 12 Tournament. (Photo Courtesy of printThe dog days are over for the Horned Frogs with a 82-63 blowout victory to begin the Big 12 Conference Tournament against Oklahoma Wednesday night. The win halted TCU’s seven-game free fall that began back on February 11.“You know, during the stretch I felt good about this team even though we’ve had a long streak of losing some tight games I’ve felt good about it, and their attitude has been tremendous,” TCU head coach Jamie Dixon said.A number of different Horned Frogs had quality showings against the Sooners.“Alex [Robinson Jr.] was terrific, nine assists, no turnovers, and Jaylen [Fisher], they ran the team and both guys, team effort,” Dixon said. “Kenrich [Williams] was terrific and has been doing that and people are starting to realize how good of a player he is, and Vladimir [Brodziansky] let things come to him and finished on the penetration from those guys.”  Brodziansky led all players in scoring with 20 points, Williams notched a Big 12-most 14th double-double of the season with 19 points and 11 rebounds, Robinson Jr. finished with 17 points to go along with the nine assists, and Fisher finished with 11 points and four assists.The Slovakian big man deflected credit to his teammates for his stellar performance.“My teammates were just finding me open, and I had the easy job just to finish the plays,” Brodziansky said. “We executed and I was wide open.”The turning point for TCU occurred with four minutes remaining before halftime. It was a 29-29 game that turned into a 44-31 TCU advantage at halftime on the strength of a 15-2 run. TCU forward Kenrich Williams scored seven of the Horned Frog’s fifteen points in their game-altering sprint to end the half.“It started at the defensive end,” Williams said. We got multiple stops and my teammates did a good job of finding me and getting me open, in open positions for me to make plays.”Another key component for TCU the use of multiple defenses. “We noticed when we switched defenses that there was confusion on the offensive end which took a lot of time off the shot clock and disrupted their offense,” TCU guard Alex Robinson Jr. said. “We figured we would stick with that and we just followed whatever Coach told us.”Dixon said their zone was ‘effective’ as they used different zone looks throughout the game. Up NextWith the Round 1 win, TCU has now won its opening game the last three seasons at the Big 12 tournament and will now face No. 1 Kansas Thursday afternoon. The Horned Frogs lost both matchups, albeit playing the Jayhawks close in an 86-80 loss in Fort Worth on Dec. 30, and TCU trailed by just one at halftime in a slightly less competitive 87-68 loss in Lawrence, Kansas on Feb. 22.“Obviously they’re terrific, and they’ve got obviously as good of a guard as there is in the country,” Dixon said.That guard is Kansas’ senior point guard Frank Mason III. Mason III leads the Big 12 in scoring, averaging 20.5 points per game and was voted the unanimously as the conference’s player of the year.Dixon said handling the Jayhawks’ scoring streaks will be TCU’s biggest test.“I think just handling their runs will be the biggest challenge and that’s been a challenge for us because sometimes we don’t respond with that next possession,” Dixon said. “They’re terrific,getting a turnover, turning a bad shot into a basket, and we just can’t have that.” Big 12 Newcomer of the Year, Kansas freshman forward Josh Jackson,and the league’s top-scoring freshman at 16.4 points a game will miss Thursday’s matchup, serving a one-game suspension after his role in a traffic incident which resulted in Jackson receiving three citations.However, Dixon doesn’t think that will have much of an impact on how Kansas will play TCU.“We played them earlier and he was in foul trouble and [Lagerald] Vick killed us, so it’s funny how things work out,” Dixon said. “They have so many good players that it’s not like they are putting in a guy that hasn’t made some baskets in his career somewhere.”Vick, a backup guard, scored 17 points on Dec. 30 when Jackson scored just four and fouled out.Tipoff for TCU’s second round game against Kansas is set for 1:30 p.m. Thursday afternoon. Listen: The Podell and Pickell Show with L.J. Collier Garrett Podell Twitter Facebook Linkedin ReddIt Garrett Podell Boschini: ‘None of the talk matters because Jamie Dixon is staying’center_img Garrett Podell ReddIt Previous articleMusic Around Fort Worth – Ciity (Second Interview)Next articleSherley Hall buys Community Scholar a bike Garrett Podell RELATED ARTICLESMORE FROM AUTHOR Garrett is a Journalism and Sports Broadcasting double major. He is the Managing Editor for TCU360, and his passions are God, family, friends, sports, and great food. World Oceans Day shines spotlight on marine plastic pollution TAGSgame wonTCU in title Garrett Podell TCU places second in the National Student Advertising Competition, the highest in school history Linkedin Men’s basketball scores season-low in NIT semifinals loss to Texas Boschini talks: construction, parking, tuition, enrollment, DEI, a student trustee Twitterlast_img read more

Xome CEO Kal Raman Resigns

first_img Home / Daily Dose / Xome CEO Kal Raman Resigns The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago December 1, 2015 3,085 Views Data Provider Black Knight to Acquire Top of Mind 2 days ago Xome CEO Kal Raman Resigns Share Save The Week Ahead: Nearing the Forbearance Exit 2 days ago Kal RamanKal Raman has resigned his position as President and CEO of Xome Holdings, LLC, and its subsidiaries, according to an 8K filing by Xome’s parent company, Nationstar Mortgage Holdings, with the Securities and Exchange Commission (SEC).Xome and its subsidiaries are wholly-owned subsidiaries of Lewisville, Texas-based Nationstar Mortgage Holdings. Raman originally joined Nationstar Mortgage as the CEO of another one of its subsidiaries, Solutionstar, in November 2014. In June 2015 when Nationstar launched Xome, an end-to-end real estate platform meant to simplify the home buying and selling process, Raman was named CEO of Xome.According to the SEC filing, Raman will as part of the separation agreement a cash severance payment of $600,000 spread out over 52 weeks beginning 30 days after the date the resignation became effective, which was November 23.Before joining Nationstar Mortgage, Raman spent more than two decades as a leading technology executive. He served as COO for Groupon in addition to serving as CEO of the company’s Asia Pacific region. His other past positions include VP of Global Fulfillment at eBay, CEO of GlobalScholar, a leader in enterprise software for public schools; SVP at Amazon in charge of the company’s retail technology and marketing units; CEO of; and multiple management positions with Wal-Mart.Nationstar did not immediately respond to a request for comment on Raman’s departure.In the third quarter this year, Nationstar reported adjusted earnings of $32 million and a quarterly net loss (for GAAP purposes) of $66 million. Nationstar reported a quarterly net income of $75 million in Q2, which followed a quarterly net loss of $48 million in Q1. The Xome segment of Nationstar’s business performed well in the third quarter, however, selling more than 4,900 properties and ended the quarter with about 8,000 in its inventory, increasing third-party revenues to 34 percent, and continuing to diversify its revenue streams and client base, according to Nationstar. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago Kal Raman Nationstar Mortgage Holdings Xome 2015-12-01 Brian Honea 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. Tagged with: Kal Raman Nationstar Mortgage Holdings Xome The Best Markets For Residential Property Investors 2 days ago Previous: Fannie Mae’s Mortgage Portfolio Continues Rapid Contraction Next: DOJ Settles With Bank Over Alleged Discriminatory Lending About Author: Brian Honea in Daily Dose, Featured, News Sign up for DS News Daily  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribelast_img read more

Honour to be appointed ACEI President – Donegal man, Conor McCarthy

first_img Twitter WhatsApp Loganair’s new Derry – Liverpool air service takes off from CODA Google+ Important message for people attending LUH’s INR clinic RELATED ARTICLESMORE FROM AUTHOR Donegal man, Conor McCarthy of Jennings O’Donovan has been appointed President of Association of Consulting Engineers of Ireland.The ACEI represents the business interests of over 100 member firms and their 4,000 employees. This is the first time for a representative from a company in the North West of Ireland to become President of this long-established national organisation.Conor, originally from Lifford, is taking up the role of President at a particularly challenging time for consulting engineering firms and indeed for society in general due to the impact of the Coronavirus Covid-19 pandemic.Commenting on his appointment, Conor said it was an honour for Sligo-headquartered Jennings O’Donovan and for him personally.He added: “There is a real and genuine worry among the consulting engineering sector that Government will scale back on investments in infrastructure projects due to the potential impact of the coming recession. I believe the ACEI needs to be advocating for is a directly opposite approach to this.“The cost of borrowing for capital projects is lower than ever. I will be advocating for an increase in the level of spending in public capital investment and use the aftermath of this public health crisis as an opportunity to stimulate economic recovery.”Conor said that the underlying challenges that existed before the crisis still remain. The population is still projected to grow by an additional one million people by the year 2040.Significant investment is still needed in housing, healthcare, education, transport, utilities including water and wastewater, in renewable energy and in infrastructure.He added: “Regional imbalance across our country remains a serious challenge. We are more reliant on our capital city, Dublin, than any other country in the EU. Addressing years of under-investment particularly in digital and transport infrastructure and in third level education in the regions and along the Atlantic Economic Corridor is essential to overturn this imbalance to support the longer-term development of the regions and promote balanced regional growth.”The health of workers will also be a priority for Conor as he takes up his role. He said: “I know remote working has benefits for many in terms of efficiency and reduced travel times. However, it is not for everyone. As business leaders, we need to be conscious and aware of the potential negative impact on our staff and ourselves in terms of balancing home life with work expectations”. Twitter Facebook Honour to be appointed ACEI President – Donegal man, Conor McCarthy By News Highland – May 25, 2020 Arranmore progress and potential flagged as population grows center_img Pinterest Pinterest WhatsApp Facebook Previous articleWork begins on long-awaited extension for Glenswilly NSNext articleEmergency motion submitted over future of Pieta House North West News Highland Google+ Community Enhancement Programme open for applications Publicans in Republic watching closely as North reopens further News Renewed calls for full-time Garda in Kilmacrennanlast_img read more

India lags behind on sexual rights

first_imgIndia lags behind on sexual rightsOn 1 Nov 2001 in Personnel Today With so many South Asian countries evolving their harassment laws Helen Roweexamines the changing times in India It is a situation almost every HR director dreads. A female employee claimsa male colleague has sexually harassed her. Initial inquiries reveal there maywell be a case to answer. An embarrassing and expensive court case looms. Worsestill, it looks likely to end in heavy compensation being awarded against theemployer. For HR practitioners in India, the situation is very different. Although theIndian constitution does set down certain rights relating to gender equality, thereare no specific laws banning sexual harassment at work. In fact, despite thehuge growth in cases brought by employees elsewhere globally, there remainsrelatively little pressure on Indian companies to prevent sexual harassment inthe workplace. However, two rulings by the Indian Supreme Court over the past five yearsappear to indicate that the status quo may be starting to change, albeit veryslowly. Although both rulings seem to have been widely ignored so far, theyhave implications for all employers operating in India. The first decision in 1997, Vishaka v State of Rajastan, set down a legallybinding requirement on all companies to provide female employees withprotection from harassment at work for the first time. It ruled that it was laying down “guidelines and norms for observanceat all workplaces” until such a time as legislation was enactedspecifically to deal with harassment at work. As a result of this ruling,employers are now – in theory – required to take preventative steps includingthe specific banning of sexual harassment in employee rules of conduct. Other measures required include the formation of a committee, headed by awoman, to which a female employee can complain. Employers must now automaticallyinitiate disciplinary action following a complaint, and, in some cases, alsocall in the police with a view to criminal proceedings. Measures should also be taken to ensure that a female employee who makes acomplaint does not experience any further harassment. In a second importantruling in 1999, Apparel Export Promotion Council v Chopra, the Supreme Courtthrew out a decision by the Delhi High Court. The Delhi court had directed thatan employee should not lose his job because his attempt to molest a woman wasunsuccessful and as a result there had been no actual physical contact. Thecase involved a male employee of the Delhi-based Apparel Export PromotionCouncil and a female employee at a hotel who had been sent to work for thecouncil’s chairman. The council employee was accused of attempting to “outrage themodesty” of the young woman, an offence covered by section 354 of theIndian penal code, rather than any specific legislation relating to theworkplace. A departmental inquiry was held which concluded that the employeewas guilty of gross misconduct and he was subsequently dismissed. On appeal, the Delhi High Court reversed the decision on the basis that theemployee’s attempt at molestation had not been successful. It ordered that hebe reinstated. The Supreme Court, however, was unimpressed. It criticised the Delhi court for allowing itself to be influenced by”insignificant discrepancies” and expressed surprise that “anemployee should be reinstated because he only tried to molest a woman”. It ruled that actual physical contact need not occur for someone to becharged with molestation, resulting in a redefinition of the term sexualharassment. Despite these two rulings, India continues to be a long way behindother regions in both protecting the rights of female employees and penalisingcompanies that fail to do so. But as more court cases are brought, there is likely to be increasingpressure to introduce policies that reduce liability. According tointernational law firm Baker & McKenzie, awards in those few cases thathave been brought tend to be on the low side in international terms – a mereUS$847 (40,000 rupees) in one case of a company found to have failed to preventa female employee being harassed by her manager. It advises companies to not only put in place the preventative measures nowrequired by law but also educate employees about what actually constitutessexual harassment in the eyes of the courts. “The Supreme Court’s decision in the Chopra case demonstrates anincreasing sensitivity towards sexual harassment and the fundamental rights ofwomen,” it says. “It also sends an unambiguous message to lower courts of theirobligation to protect the right of women to be free from sexual harassment inthe workplace. “As this trend continues to grow, more cases of sexual harassment arebound to be brought to trial and decided in favour of victims.” Othersbelieve that the real pressure to eradicate sexual harassment at work is morelikely to come from the boardroom than from the Indian courts. Jay Easwaran, HR director of the Tality Corporation, electronic productdesign specialists employing engineers in 14 locations worldwide includingDelhi, says the threat of legal action alone will not drive change. “If awoman were to complain of sexual harassment she would be very quicklyostracised by the male community in the office and they would make sure therewere not too many people taking her side,” he says. “The real pressure is likely to come from the top of enlightenedcompanies rather than the courts. For example, you tend to find that levels ofsexual harassment are low in multinational companies because they bring theirpolicies with them to India. That is what will drive it – the value system ofthe employer.” According to Sridevi Kalavakolanu, programme manager for Business for SocialResponsibility, employment law in all the South Asian countries is based onlaws left behind by the British and is only slowly evolving. He says efforts tointroduce reforms have been made throughout the region but have so far failedbecause of a lack of “political will to push the new laws through”. As a result of an amendment two years ago (1999) to Sri Lanka’s Trade UnionOrdinance 1956, it is now obligatory for employers to recognise a trade unionif it has a membership of 40 per cent or more among its workforce. Ifmembership is over 40 per cent the union must now be recognised in connectionwith general demands. If membership is less than 40 per cent the union mustrestrict itself to the voicing of individual grievances. Further Previous Article Next Article Related posts:No related photos. Comments are closed. last_img read more

Manhattan’s condos get year-end sales boost as inventory balloons

first_imgTagsManhattanNYC Luxury MarketResidential Real Estate Condo sales over $5 million surged in Manhattan in the final quarter of 2020 (iStock)Manhattan homebuyers are back.Condo sales in the final quarter of 2020 jumped nearly 39 percent to 1,909, according to Douglas Elliman’s quarterly report on closed condo and co-op sales. The total compared to the third quarter, when there were 1,375 condo sales in Manhattan. High-end home sales also jumped.While transaction volume is still down nearly 21 percent year-over-year, it has improved since the beginning of the pandemic. In the third quarter, deals were down 46 percent year-over-year. That compared to Q2, when the number of sales dropped more than 54 percent year-over-year, marking the sharpest decline in 30 years.Appraiser Jonathan Miller, who authors the Elliman’s report, emphasized the significance of the October through December gains, noting the seasonal expectation for sales in the fourth quarter, based on 20 years of data, is an 11 percent drop.“It’s going against the grain,” he said.Read more“I don’t buy that NY is dead”: Naftali, Seinfeld team up on billboard“A garbage year”: The state of Manhattan’s luxury resi market in 2020Manhattan home sales down 46% last quarter Full Name* Email Address* Share via Shortlinkcenter_img Message* A surprising bright spot in the report was a surge in high-end condo sales.The number of condos that sold for $5 million jumped 36 percent year-over-year, to 113. Meanwhile, the number of condos that sold for less than $5 million slid by about 16 percent year-over-year, to 789.“I have to say I myself am surprised,” said Pam Liebman, CEO and president of the Corcoran Group, which reported similar fourth quarter results. “I think high-end brokers are feeling good right now.”She also highlighted the increasing volume of signed contracts throughout the quarter, which could roll into early 2021. Beginning in October, the firm reported a 10 percent year-over-year increase in signed contracts; November saw an 8 percent jump; and in December there was a 3 percent uptick.“It just goes to show you the resiliency of New York,” Liebman said. “So for those that counted New York out, sorry you lost.”But just because Manhattan’s deal volume is improving, doesn’t mean all is well.Price discounts have reached their highest levels in a decade, according to a fourth quarter report from Ryan Serhant’s new brokerage, Serhant. The report is based on market-wide data. Across the borough, the average discount on closed sales from initial asking price was 10.4 percent. For new development condos, the average discount was 8.7 percent.For higher-priced units, the gap gets wider. The discount for homes listed over $10 million was 23 percent, while for new development condos it was 25 percent.Then there’s the vast supply of condos and co-ops for sale in Manhattan. That total has also reached the highest level in a decade, with about 9,550 homes listed for sale. That’s 28 percent above the number from a year ago, according to Serhant’s head of research Garrett Derderian. (There are 18,000 unsold units when taking into account shadow inventory — units that aren’t officially listed on the market.)Derderian said that at the current sales pace, it would take 6.6 years for the units to be sold.“There’s a lot of inventory out there,” he said.Correction: An earlier version of this article misrepresented Manhattan listed inventory as inclusive of shadow inventory.Contact Erin Hudson Share on FacebookShare on TwitterShare on LinkedinShare via Email Share via Shortlinklast_img read more