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first_imgInvestrust Bank Plc (INVEST.zm) listed on the Lusaka Securities Exchange under the Banking sector has released it’s 2014 annual report.For more information about Investrust Bank Plc (INVEST.zm) reports, abridged reports, interim earnings results and earnings presentations, visit the Investrust Bank Plc (INVEST.zm) company page on AfricanFinancials.Document: Investrust Bank Plc (INVEST.zm)  2014 annual report.Company ProfileInvestrust Bank Plc is a wholly-owned commercial and retail financial services institution in Zambia, providing products and services in two segments: retail and operations, and wholesale banking. Investrust Bank offers a wide range of transactional accounts, aswell as solutions for wealth building, sole proprietor accounts, club society accounts and farmer accounts. The company offers short- to medium-term finance for project and working capital requirements, contractual and project security through guarantees, bid and performance bonds, and advance payment bonds. Its lease financing division is focused on movable and immovable assets in agriculture, tourism, information technology, transport and mining. Other financial service offerings range from discounting of bills of exchange, invoice discounting and shipment financing to buying and selling government securities, commercial papers trading, and treasury call accounts. Investrust Bank has a national network with 27 branches and 3 agencies located in the major towns and cities of Zambia. Investrust Bank Plc is listed on the Lusaka Securities Exchangelast_img read more

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first_imgSimply click below to discover how you can take advantage of this. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Our 6 ‘Best Buys Now’ Shares I’ve remained positive towards Royal Dutch Shell (LSE: RDSB) shares, despite the many challenges the company faces. My patience is being tested today, though, as full-year results show 2020 profits falling to a 20-year low.The FTSE 100 oil giant’s share price is down around 3% after Q4 adjusted profits disappointed, with the figure of $393m a hefty 87% lower than a year ago. Low oil and liquified natural gas (LNG) prices played a part, and Shell also reported lower production volumes and refining margins. This was partly offset by lower operating expenses and higher chemicals margins.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…Royal Dutch Shell shares have had a tough year, as pandemic lockdowns and travel bans destroyed oil demand. They trade 35% lower than 12 months ago. Worryingly, this is part of a longer downward trend. The stock trades 41% lower than a decade ago.Fallen FTSE 100 income heroAt least long-term investors have banked plenty of dividends along the way, as Shell has been one of the best income stocks on the FTSE 100.Famously, it hadn’t cut its dividend since the war, but Covid-19 ended that proud record last April. Management cut its dividend by two thirds to 16 cents a share, in a move chief executive Ben van Beurden called “monumental”. In October, he lifted the Q3 payout to 16.65 cents, which was less than monumental.Management now predicts the dividend will climb to 17.35 cents in the first quarter of this year, so at least it is heading in the right direction. Shell now offers a forecast yield of 4%, which is modest by recent standards, but hopefully more secure, as it is covered twice by earnings. That’s something in this era of low interest rates. As we would expect, Royal Dutch Shell shares are cheaper than they were, trading at a forward valuation of 12.4 times earnings.Van Beurden has embarked on a “complete overhaul” of the business, as it looks to shift away from fossil fuels. As with BP, the idea was that oil and gas revenues would power the clean energy transformation, but the pandemic has rattled that theory.I’d still buy Royal Dutch Shell shares todayToday’s reports show Q4 production down 14%, due to OPEC cuts, lower demand and hurricanes in the Gulf of Mexico.At least management has started whittling down its $75bn debt pile, paying off $4bn by cutting costs and preserving cash. Disposals totalling billions of dollars will help.When considering Royal Dutch Shell shares, I have to remind myself this is not the company it was. The new Shell has yet to be born, and the process will be costly, risky and expensive. Smaller, fast-moving rivals may have an advantage.The good news is that oil inventories are falling and crude is climbing towards $60. The company still generated $6.3bn of cash flow this quarter. Royal Dutch Shell shares are riskier than they were, but I’m betting they will climb higher as the recovery comes. Harvey Jones | Thursday, 4th February, 2021 | More on: RDSB 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. Royal Dutch Shell shares are falling today. Here’s what I’d do next Harvey Jones 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.center_img “This Stock Could Be Like Buying Amazon in 1997” 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. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Image source: Getty Images. Enter Your Email Address See all posts by Harvey Joneslast_img read more

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first_img Siya Kolisi Named Most Influential Person in Rugby Every two years Rugby World magazine pulls together a list of the sport’s 50 most influential people and Siya Kolisi is in top spot for 2020.The South Africa captain guided his country to World Cup glory last November and has since been working tirelessly with his foundation to help those affected by the Covid-19 pandemic.Another world champion Springboks skipper, John Smit, said that Kolisi – South Africa’s first black captain – lifting the Webb Ellis Cup would “change people’s lives” and “change the trajectory of our country”.Kolisi has recognised the significance of that sporting moment and has since proved an inspiration off the field as well as on it. He is a role model in all senses – and adds the title of the most influential person in rugby to a growing list of accolades. Read Stephen Jones’s full profile on the Boks skipper below. Kolisi has been involved in myriad local and national projects as well. To be captain of his country is an office that must be performed every day.“We can use our platforms to help as many people as we can,” he has said of PAN, “because this is a fight for humanity, it doesn’t matter where you are from.”Helping hand: Siya Kolisi hands out food parcels to residents of Zandspruit in April (Getty Images)Since he lifted the Webb Ellis Cup in Yokohama last year, he has won many individual awards, and been feted by political leaders and a range of other bodies. The Rugby Union Writers’ Club voted him the winner of the Pat Marshall Memorial Award – the oldest individual award in the sport and one that’s been given to all the greats – and he was also named Peace and Sport ‘Champion of the Year’, a major award in France.The power of the pictures of him leading the celebrations in Yokohama is probably difficult to overstate. Indeed, as he lifted the trophy to mark a hat-trick of Springbok World Cup titles, you recalled the two previous emotional occasions.The 1995 presentation saw Francois Pienaar and Nelson Mandela meet together on the podium, this at a time when it was by no means guaranteed that there would not be some internecine strife in the country so soon after the rise to power of the ANC. Then in 2007, we saw John Smit on the podium in Paris linking hands with the then president Thabo Mbeki.Kolisi is a symbol of rugby excellence and political power, powerful for all those who suffered under apartheid as well as those who visited South Africa under apartheid and had the outrageous fortune to go back as the country, often painfully, made the transition away from apartheid to a political justice, even if social justice remains thin on the ground.Slide show: Siya Kolisi scores a try against Namibia at RWC 2019 (Getty Images)For journalists of a certain era, it has been easily the biggest story of our sporting lives, way bigger than anything that has happened in these islands, and through most of it you could not place rugby itself as more than one third of the story in terms of significance. There are those of us who have grown to love the place, to feel passionately for it and to mourn for its vicissitudes.How much has it changed? Life in South Africa continues to brass people off in massive ways, but at least divisions on racial lines are not so alarming as they once were. Kolisi appreciates the power of rugby, and has the standing and authority and intelligence to be a statesman as well, to know exactly what he is saying and why it means everything. You also get the distinct impression from this great man that he is saying exactly what he believes, with no gilding of his words for anyone’s consumption.His first match as South Africa captain was against England in 2018 in Johannesburg. Those of us lucky enough to be there will never forget it, never forget how well he spoke before that game. But I was more intrigued to see the reaction to him in Bloemfontein for the second Test. Bloem is a rather scruffy if endearing place up country, not exactly in past days an area that led the way when it came to emancipation.Before that Test match in 2018, as usual great lines of bakkies and other transport brought the farmers and other non-townies into the game, they stood in the car parks, munching braais and crushing empty beer cans in their fists.Milestone: Tendai Mtawarira with his children aead of his 100th Test (Getty Images)What did they think of their country’s first black captain? What would the atmosphere be like in the ground? The answer was that it was sensational and, as far as I could see, there was great respect not only when Kolisi took the field but when we had another moment of significance.The match marked the 100th cap for the magnificent Tendai ‘Beast’ Mtawarira. The warrior came on with his young children, Wangu and Talumba, who were taking part in the pre-match all dressed up in South African colours. This was all a stirring sight. The images were inspiring.For a long time, it seemed that the mixing of the races would have no effect whatsoever on the public address system, which continued to thunder out white American/British rock music, with thumping base lines. Just as we despaired that any of the music would reflect South Africa’s gorgeous heritage, they played the sublime Pata Pata by the great Miriam Makeba. I just loved that whole day, although not as much as Kolisi, whose team won the match to take the series.What is next for our ‘most influential’? He and wife Rachel work hard on the Kolisi Foundation, which launched in March with “a vision to change the narrative of inequality for people in vulnerable and disadvantaged communities in South Africa by providing assistance and opportunities”.Apparently, Kolisi is still besieged with requests and could be at any one of ten functions every week at all points across the world. You hope that the keeper of his diary is of maximum efficiency and you would also trust that Kolisi, as he must, has learnt to say no. Champion: Siya Kolisi holds the Webb Ellis Cup on the Springboks’ victory parade (Getty Images) The South Africa captain is in top spot on Rugby World magazine’s biennial list of the game’s movers and shakers Kolisi is definitely the most influential man in rugby at the moment. He’s also probably the most visionary and the most courageous.Some of us once went on a trip to Zwide near Port Elizabeth, Kolisi’s home township, and with respect you’d never call it salubrious, even now. He was born in poverty to a schoolboy father and teenage mother, the latter dying when he was 15. In his early twenties, he set about finding his half-siblings and has since officially adopted them, bringing them into his own household with his wife and two children.Related: Siya Kolisi’s journey from township to Test starHe clearly has a highly developed social conscience in all aspects. During the Covid-19 crisis, he has played a major role in keeping supplies rolling to hospitals and those needing treatment in South Africa, as well as delivering food parcels to townships. He has also joined the Pandemic Action Network (PAN), which seeks to codify all the torrents of advice and best practice for those who may be confused about the pandemic or not have the best access to advice and treatment. This article originally appeared in the August 2020 edition of Rugby World magazine.Follow Rugby World on Facebook, Instagram and Twitter. Compiling this list of the 50 most influential people in rugby is an exhaustive process that involves canvassing opinions from those involved in the game around the world. More than 120 people were put forward and the final 50 were revealed in the August 2020 edition of Rugby World.Kolisi is one of two players in the top ten, with England lock Maro Itoje the other. The pair are joined by coaches Warren Gatland, who will take charge of the British & Irish Lions next year, England’s Eddie Jones and Rassie Erasmus, who is now overseeing South African rugby in a DoR role.There are also several administrators in the upper echelons of the list. New World Rugby vice-chairman and FFR president Bernard Laporte looks set to push for radical changes in the governing body.Dr Eanna Falvey, World Rugby’s chief medical officer, is responsible for how the sport deals with Covid-19 as well as law changes to help make the game safer, while Katie Sadleir is in charge of women’s rugby, which is so crucial for the continued growth of the sport.The top ten is completed by RWC 2023 CEO Claude Atcher and Nick Clarry, who heads up the sports division at CVC, a company that has a growing investment in the sport.Here’s the top ten of Rugby World’s Most Influential People in Rugby in 2020…Siya KolisiBernard LaporteMaro ItojeWarren GatlandNick ClarryRassie ErasmusClaude AtcherEddie JonesDr Eanna FalveyKatie SadleirAnd here Rugby World columnist Stephen Jones explains why Kolisi topped the list.Siya Kolisi Named Most Influential Person in Rugby Siya Kolisi, of South Africa – but now one of rugby’s universal soldiers – stands at No 1 in our most influential list, with Maro Itoje close behind at No 3. Here we have two wonderful men, two men who have always transcended the sport itself, because not only are they both spectacularly good players but they know where the sport fits in the general landscape and are clever enough to be influential away from the rectangle of play.The intriguing probability now rises that they will meet as captains in the British & Irish Lions Test series next year, and what an image that will provide. Kolisi, barring injury, will surely lead the Springboks in the series and Itoje is a big favourite at the bookmakers to be Lions captain. It will be a supercharged Test series but to have two of our top three in charge of the teams would be epic.Clearly, the symbolism of teams at the very top of rugby being led by black players is of mighty significance. Not least because the series takes place in South Africa where, as it must be remembered, rugby was once deemed by the non-white population as almost as big an instrument of apartheid as the police or army. And also because of the Black Lives Matter movement. His sporting life may be in abeyance at the moment, but you also realise how valuable the Lions tour will be to South Africa next year. Not only will it bring in the lifeblood of foreign currency from the tens of thousands of happy British and Irish tourists, but it will also keep, the focus of the excellent Springboks squad, which had the Lions not been arriving two years after the World Cup may have broken up too early. If there is a Lions tour on its way, then not even those with World Cup winners’ medals can say that they won everything.On the subject of winning everything, Kolisi must have a mantelpiece the size of a runway. As a player he is excellent; possibly not due one of those rare seats in the pantheon but still formidable.What a transformation in his life, and what a transformation he has helped bring to the lives of others. What a man, one of rugby’s greatest. And great work by our panel to elevate the right man.And what a prospect that Itoje, another great man, will be trying to knock Kolisi off his sporting altar in the near future, possibly as leader.Congratulations Siya, for magic moments and for inspiring millions. LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALSlast_img read more

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first_img Photo from 10,000 Headshots Save my name, email, and website in this browser for the next time I comment. TAGS10000 HeadshotsAltamonte MallFree HeadshotProfessional PhotographyUnemployed Previous articleFlorida’s largest teachers’ union sues to stop ‘reckless and unsafe’ school reopening mandateNext articleCan games actually teach us something, and what does philosophy have to do with it? Denise Connell RELATED ARTICLESMORE FROM AUTHOR Share on Facebook Tweet on Twitter Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 The Anatomy of Fear You have entered an incorrect email address! Please enter your email address herecenter_img LEAVE A REPLY Cancel reply Altamonte Mall joins nationwide effort to create 10,000 complimentary professional headshots to help America get back to workNothing says “I’m ready to work” more than a freshly pressed suit, an updated resume, and of course, a professional headshot.Regardless of profession, COVID-19 sent millions of Americans to the unemployment line without warning. That is why the Altamonte Mall (451 E. Altamonte Drive, Altamonte Springs, 32701) is participating with Headshot Booker and local photographers to create the largest, single-day photo initiative that will provide 10,000 unemployed Americans nationwide with a complimentary, professional headshot to include with their resumes and post to job sites such as LinkedIn.Altamonte Mall will host the complimentary headshots on Wednesday, July 22 from 10:00 a.m. – 7:00 p.m.  Complimentary headshots are open to anyone currently unemployed, but participants are asked to visit HeadshotBooker.com for details and schedule a time to be photographed.More than 200 photographers will participate across all 50 states, creating pop-up studios at nearly every Brookfield retail location nationwide. Headshots will be provided to participants on site through event photo sharing platform SpotMyPhotos.10,000 Headshots is the brainchild of Tony Taafe, who co-founded Headshot Booker with renowned portrait photographer, Peter Hurley and national event photographer, Lauren Lieberman. Taafe recalled the struggles his dad had with unemployment and the impact it had on his entire family. “I know firsthand that the effects of unemployment extend well beyond an individual,” he explains. “My dad was the hardest working person I ever met. He was in construction so the work wasn’t consistent and he had almost zero job security. “Unemployment impacts everyone and everything associated with that person,” Taafe continued.“Headshot Booker is in a unique position to provide out-of-work Americans with an important element of the job search process – a great, professional headshot. And thanks to our partners who share a similar vision, we will be able to help thousands of unemployed Americans put their best foot forward and help them get back to work,” Taafe said.“We are proud and excited to host the 10,000 Headshots initiative across our portfolio,” said Brookfield Properties Chief Marketing Officer Michelle Snyder. “As we continue to welcome guests back to our centers, we are grateful for this opportunity to help the members of our communities that have been negatively impacted by the pandemic.” Snyder emphasized that safety for all participants is a core focus, and each photographer will follow specific protocols to ensure safe distancing and hygiene practices throughout the day.The base price for a high quality, professional headshot starts around $250, which equates to more than $2.5 million in collective services these photographers will provide through this initiative.In addition to Headshot Booker, Brookfield Properties, and SpotMyPhotos, additional support is provided by Canon USA, Tether Tools, and PhotoFlashDrive.Brookfield Properties is a fully integrated, global real estate services company, providing industry-leading portfolio management capabilities across the real estate investment strategies of Brookfield Asset Management – a global alternative asset manager with over $515 billion in AUM. Brookfield Properties develops and manages premier real estate with a focus on maximizing the tenant experience in addition to the investment and operational performance of the asset. We also focus on integrating leading-edge real estate technologies which enables us to be at the forefront of innovation and sustainability – benefiting not only our tenants and business partners, but also the communities in which we operate. For more information about our approach to operating and developing best-in-class real estate, visit brookfieldproperties.com. Please enter your name here Support conservation and fish with NEW Florida specialty license plate Please enter your comment!last_img read more

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first_imgArchDaily Houses “COPY” Year:  Architects: studiofour Year Completion year of this architecture project Mayfield Avenue Residence / studiofourSave this projectSaveMayfield Avenue Residence / studiofour Save this picture!© Shannon McGrath+ 32Curated by Paula Pintos Share “COPY” Photographs:  Shannon McGrath Manufacturers Brands with products used in this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/938426/mayfield-avenue-residence-studiofour Clipboard 2019 CopyHouses•Melbourne, Australia Australiacenter_img Projects North Building Group CopyAbout this officestudiofourOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesMelbourneOn FacebookAustraliaPublished on May 19, 2020Cite: “Mayfield Avenue Residence / studiofour” 19 May 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogBathroom AccessorieshansgroheBath & Shower ThermostatsGlass3MGlass Finish – FASARA™ NaturalPartitionsSkyfoldVertically Folding Operable Walls – Mirage®WindowsVitrocsaSliding Window – Mosquito NetSinksBradley Corporation USASinks – Verge LVG-SeriesMetal PanelsTrimoQbiss One in Equinix Data CentreSignage / Display SystemsGoppionDisplay Case – Q-ClassMetal PanelsLongboard®Aluminum Battens – Link & Lock – 4″Sports ApplicationsPunto DesignPunto Fit in Ekaterinburg Public SpaceWoodBlumer LehmannFree Form Structures for Wood ProjectsKnobsKarcher DesignDoor Knob K390 (50)TablesVitsœ621 Side TableMore 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 Builders: Manufacturers: AutoDesk, Classic Ceramics, Petersen Tegl, Artedomus, ROYAL OAK FLOORS, Riverstone, Sable Bass ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/938426/mayfield-avenue-residence-studiofour Clipboard studiofour – design Mayfield Avenue Residence / studiofour Design Team:Annabelle Berryman, Sarah HenryEngineering:Michael Webb, Webb ConsultCity:MelbourneCountry:AustraliaMore SpecsLess SpecsSave this picture!© Shannon McGrathRecommended ProductsBlinds / Mosquito Nets / CurtainsBANDALUXConcealed Blind System – One-BoxMetallicsTECU®Copper Surface – Classic CoatedWindowsAir-LuxSliding Window – CurvedDoorsRabel Aluminium SystemsMinimal Sliding Door – Rabel 62 Slim Super ThermalText description provided by the architects. With a client brief for architecture and interior of contrast, the Mayfield Avenue residence became an exploration into the dualities that can be created between architecture and interiors, while still achieving a cohesive outcome.  A strong, structural tectonic defines the architectural form, and is balanced with a distinctly warm interior.  The clean-lined building forms are paired with a layered interior palette, that took its colour variation from the inherent veining of a striking natural stone selected early in the design process.  Save this picture!© Shannon McGrathSave this picture!Ground floor planSave this picture!© Shannon McGrathThe refined architectural detailing is finished with natural textures and subtle colour shifts, from clay brickwork to rose linen accents, creating a robust yet calming home. Located on a north-facing greenfield site, surrounded by large scale dwellings, the site offered challenges with its size and orientation. The concept for this home was formed around a central garden, overlaid with an architectural framework comprising solid planes and interconnecting screens that is used to direct views and aspect through the site. Save this picture!© Shannon McGrathSave this picture!© Shannon McGrathOn the upper levels, the screen is used to provide privacy from the street below, whilst maximizing interaction with the adjacent landscape, in particular with the existing Jacaranda tree to the front of the site. The framework is layered with solid planes, these planes are used to define volumes, interconnect spaces, provide privacy, and ultimately control and promote engagement within the home and externally towards the surrounding landscape.Save this picture!© Shannon McGrathThe architectural footprint upon which the framework was established was generated to capture northern light into two separate living areas, while softer light was sought for the kitchen, dining, and sleeping areas. Cold, dark stagnant spaces were avoided and expanses of glazed sliding doors ensure all volumes are provided with fresh air, an abundance of natural light, and garden aspect.Save this picture!© Shannon McGrathSave this picture!First floor planSave this picture!© Shannon McGrathTypical open plan living was avoided in search of separate, calm, and purposeful spaces. This need for separation and acoustic privacy drove the form of the building, while a layered approach of filtered built elements, such as the steel screening and double-sided fireplaces, enabled the level of family interaction required. A quality of space that provides both a sense of sanctuary, enclosure, and comfort was sought; whilst offering a level of immersion within the landscape.Save this picture!© Shannon McGrathProject gallerySee allShow lessThe Eastbourne Residential Complex / Bates SmartSelected ProjectsTransforming Gallery / J.Roc DesignSelected Projects Share Photographs Landscape: last_img read more

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first_img SHARE Doud Approved by Senate for Chief Ag Negotiator Role Gregg Doud has been approved by the U.S. Senate to serve as Chief Agricultural Negotiator in the Office of the United States Trade Representative.Secretary of Agriculture Sonny Perdue said via his Twitter account, “Great news that Gregg Doud has been confirmed by the Senate to be Chief Agricultural Negotiator in the @USTradeRep office. Farmers, ranchers, foresters & producers need strong representation at the negotiating table and he understands what trade means to ag.”U.S. Senator Pat Roberts (R-Kan.), a senior member of the Senate Finance Committee and Chairman of the Senate Agriculture Committee, says, “I’m pleased the U.S. Senate has advanced Gregg’s nomination. Our hard-working farmers, ranchers, end-users, and folks in rural America have waited too long to be represented at the trade negotiating table.”Doud most recently served as president of the Commodity Markets Council since 2013. Facebook Twitter SHARE Previous articleIndiana Floods Change Surface Moisture Profile in a HurryNext articleReactions to White House RFS Meetings Hoosier Ag Today Facebook Twitter Home Indiana Agriculture News Doud Approved by Senate for Chief Ag Negotiator Role By Hoosier Ag Today – Mar 2, 2018 last_img read more

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first_img Business News More Cool Stuff Top of the News Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Subscribe Community News Name (required)  Mail (required) (not be published)  Website  Fourteen FUMC elementary children and ten counselors spent the weekend at Sky Meadows February 28th and 29th for their annual Children’s Winter Camp with Rev. Debbie Gara. No snow this year, but the beauty of the mountains and the crisp clean air invited a wonderful experience together as participants enjoyed good friends, food, recreation and hiking, programming, and a Sunday morning mountaintop worship experience with communion at the church’s Chapel in the Sky.First United Methodist Church of Pasadena (FUMC) would like to extend their sincerest thanks to Jami and Danny Carrera who served as camp cooks; Dan Gara, song leader and story weaver; and to all the parent counselors who made this experience possible with their support and assistance: Julie Cole, Sara Dickerson, Kurt Rahn, Doug Rogers, and our wonderful youth counselors, Susanne Carpenter and Hannah Johnston.First United Methodist Church, 500 East Colorado Boulevard, Pasadena, (626) 796-0157 or visit www.fumcpasadena.org. Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy HerbeautyInstall These Measures To Keep Your Household Safe From Covid19HerbeautyHerbeautyHerbeauty6 Lies You Should Stop Telling Yourself Right NowHerbeautyHerbeautyHerbeauty11 Signs Your Perfectionism Has Gotten Out Of ControlHerbeautyHerbeautyHerbeauty15 Countries Where Men Have Difficulties Finding A WifeHerbeautyHerbeautyHerbeauty6 Fashion Trends You Should Never Try And 6 You’ll LoveHerbeautyHerbeautyHerbeautyThese Are 15 Great Style Tips From Asian WomenHerbeautyHerbeauty EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDScenter_img First Heatwave Expected Next Week faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Faith & Youth First United Methodist Church: Children’s Camp “Choosing the Right Way” From the Rev. Debbie Gara, First United Methodist Church Published on Tuesday, March 27, 2012 | 3:10 pm 12 recommended0 commentsShareShareTweetSharePin it Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Your email address will not be published. Required fields are marked * Community News Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Make a commentlast_img read more

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first_imgCommunityGood NewsLocal News GOOD NEWS: Pinning Ceremony Facebook Facebook Pinterest By OA Life – May 16, 2021 WhatsApp Pinterestcenter_img Twitter Twitter TAGSMidland CollegeNational Nurses Week Photo Courtesy of Midland College On May 5, During National Nurses Week, Midland College recognized 16 graduating Associate Degree Nursing students during a pinning and candle lighting ceremony at the Al G. Langford Chaparral Center. “All of these students are commended for their dedication and perseverance,” Carmen Edwards, MC dean of Health Sciences, said. “They will make a positive impact on healthcare and the lives of their patients.” According to Edwards, the students are well prepared to pass the National Council Licensure Exam to become registered nurses and provide healthcare to citizens throughout West Texas. MC Spring 2021 Associate Degree Nursing graduates are Diana Ahlstrand, Cambri Armes, Lina Briones, Heather Cuthrell, Chastin Ellison, Isabel Flores, Gabrielle Garza, Holli McCreight, Nicole Milefsky, Hannah Payne, Martin Ramos, Crystal Rodriguez, Olajumobi Sadiku, Ayisat Salawu-Billings, Jamie Spencer and Katrina Walker. “We are extremely proud of our graduates,” Dian White, Associate Degree Nursing program chair, said. “Each Midland College graduate set a goal, worked hard, succeeded and is now prepared to enter a rewarding career as a professional nurse.” During Wednesday evening’s ceremony, MC Associate Degree Nursing faculty presented Diana Ahlstrand, Crystal Rodriguez and Kristina Walker with the Wallace W. and Kathleen Irwin Nursing Scholarship Award for maintaining the highest GPAs in the class. WhatsApp Previous articleDR. ISLAM: Should everyone eat gluten-free?Next articleBig Brothers Big Sisters aims to rebound from pandemic OA Lifelast_img read more

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first_imgSign up for DS News Daily Editor’s note: This feature originally appeared in the October issue of DS NewsIn 1964, Bob Dylan famously sang the lyrics, “Oh, the times they are a-changin.” While Dylan’s melodramatic anthem focused on the shifting American societal landscape during that turbulent decade, the title industry is currently undergoing its own era of change in the 21st century. The needs of consumers are changing, new demographics have entered the housing market, tech continues to alter the landscape, and the title industry is left to try and keep pace. DS News spoke to an array of title professionals about the state of the industry, how it can best leverage technology, and what challenges await as 2020 closes in.  Governmental Measures Target Expanded Access to Affordable Housing 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. Home / Daily Dose / The Dawn of a New Era for Title Demand Propels Home Prices Upward 2 days ago Protecting Your Privacy The rise of technology undoubtedly has its positives and negatives. While the advancements have helped streamline insurance processes, they have also opened up new avenues for fraud and theft. Cynthia Durham Blair NTP, Co-owner of Blair, Cato, Pickren, Casterline, LLC, pointed to the American Land Title Association’s (ALTA’s) establishment of the Coalition to Stop Real Estate Wire Fraud. The group, Blair said, is dedicated to raising awareness and educating not only homebuyers, but also everyone else involved in the process of securing a loan or buying a home. “We want to help people prevent the risk of wire fraud, and empower those who have been victimized in a fraud like this to come forward with their stories,” Blair said. “The best way for us to raise awareness is for the unfortunate victims to come forward and be public about their stories, so people know that it happens. It’s not discriminatory about where it happens or to whom it happens. It happens all over the country, on both large and small transactions.” In July, a bipartisan group of 33 senators, led by Sen. Jerry Moran (R-Kansas) and Sen. Chris Van Hollen (D-Maryland), signed a letter questioning Federal Reserve Chairman Jerome Powell on the efforts being taken by the Fed to curb wire fraud. The letter sent to Powell’s office stated that between 2015 and 2017, the FBI reported an 1,100% increase in the volume of “real estate related email compromise scams.” Funds lost associated with these scams grew 2,220%. Moran’s letter further pointed out that, within the 2017 fiscal year, the FBI reported that $969 million was “diverted or attempted to be diverted” from real estate purchases to “criminally controlled” accounts, which is an increase from just $19 million the year prior.  “There’s an increasing problem of wire fraud through business email compromise and email account compromise. We also need to make sure that the Fed is doing something about it, and that Congress is aware,” Blair said. Education of the homebuyer, according to William Robinson Jr., President of ATA National Title Group, is “the most perplexing” problem facing the title industry. He added that it is compounded by the fact that real estate transactions are not getting any easier, and digital communication has reduced the direct, personal points of contact between consumers and service providers. “Title companies cannot continue to rely upon passive outreach,” Robinson said. “A willingness to answer questions when posed is not the same as a program to reach and inform customers. Title companies have the knowledge consumers need. They need to use modern digital portals such as websites, social networks, and the like in order to reach and educate the next generation of customers.”Michael Rubin, VP of Business Development for Alliant National Title Insurance Company, told DS News that the real question to be asking is whether the consumer cares to be educated about title insurance. “It’s horrible that consumers maybe don’t care enough about the product,” Rubin said. “It means that you’re in danger of one day not being a product.” Rubin added that, for many, a home is only purchased a few times in their life, and so homebuyers may not see title insurance, or any related security or fraud risks, as a real concern. “We are the same kind of product to a consumer as a windshield replacement is when you’re buying a new car,” Rubin said. “It’s a onetime purchase that they may never use, and that, frankly, may not hold a lot of value to them. Educating them as to the value that we provide is important, but I don’t see much evidence that consumers want to be educated on it.” Michelle Garcia Gilbert, Managing Partner of the Gilbert Garcia Group, P.A., said there were approximately 11,300 victims of real estate wire-fraud schemes, including title companies and buyers and sellers, according to the FBI Internet Crime Report from 2019. Gilbert, who is also managing partner of Sapphire Title, pointed to a fraud alert for wire transfers issued by the Consumer Financial Protection Bureau (CFPB) in July 2019. She recommended never using email-wiring instructions, because hackers can spoof emails. Patrick Stone, Executive Chairman and Founder of WFG National Title Insurance Company, said the reason cyber theft and fraud are increasing is because the frequency of real estate transactions occurring within non-secure emails is trending upwards. “The title industry is right at the nexus of the transaction and frequently is handling or involved in wire transfers, pay-offs, etc. Consequently the title company is frequently wrongly accused of being the source of the breach, and is almost always directly involved in trying to resolve the issue,” Stone said. “Educating the participants in the transaction— mainly consumers and Realtors—as to the danger of cyber theft is the biggest challenge facing the industry at this point in time. While almost every title company prints large warnings on all documents, outreach to the consumer in a meaningful way is needed. The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe Share Save Demand Propels Home Prices Upward 2 days ago About Author: Mike Albanese  Print This Post in Daily Dose, Featured, News, Print Features, Secondary Market Related Articles Tagged with: Title Industry Data Provider Black Knight to Acquire Top of Mind 2 days ago The Challenges AheadWith 2019 quickly winding down and the calendar preparing to flip to 2020, what challenges lie ahead for the title industry? Stone said while the title industry is a necessary function of the real estate process, it will have to become more consolidated  as technology allows “major players to operate more efficiently and expand in a more cost-effective manner.” “The days of a closing office on every corner are coming to an end, and online functions will become more prevalent. The industry will slowly morph into a more traditional Insurance industry relationship with its agents, as those agents look to their underwriters for functional support, while they focus on sales, signings, and client interaction,” Stone said. Gilbert noted that both Fannie Mae and Freddie Mac have launched initiatives for electronic closings. She said this is not so much a reform of the GSEs as it is “the direction of the lead loan underwriters in the country.” “Evolve or don’t evolve, at your peril,” Gilbert said. “The industry is innovating to adapt to the new digital age by developing technologies that allow a seamless and secure transaction by the title industry, who of course will still need to issue title insurance policies.” Robinson said many of the challenges facing the title industry—technology (and the abuse of it), consolidations, and regulations—have been fueled by changes in modern business practices. “As new technologies have emerged, business practices have evolved, in some cases spawning new threats like wire fraud. Service providers have had to adapt their business models, usually involving substantial investment in their own technology development,” Robinson Jr. said. “Often the knowledge and capital required by that development has caused those service providers to consolidate. Finally, these changing business methods have required regulators to adapt as well by formulating new policies.” Robinson Jr. said that while the path to facing these challenges will not be easy, two requirements are consistent: the willingness to adapt and the willingness to invest. For those willing to do both, Robinson Jr. said he believes “significant opportunities are and will remain available.” Gottsegen said there are an increasing number of states passing legislation allowing electronic notarization, and it is a trend that is “certainly going to continue.” He added, “As long as consumers are demanding these experiences, lawmakers will ultimately listen to these demands and turn that into law.” He stressed that, for the title industry in 2020, it will be vital to remain on the lookout for not only consumer trends but also how lawmakers turn these trends into regulations and legislation. “We are in a highly regulated industry,” Gottsegen said. Dean Kirchen, SVP of Title Operations and Manager of Default Services for WFG National Title Insurance Company, said he is looking for corporate debt to be a “driving force” in the next recession. Kirchen added, though, that the next recession likely won’t result in another housing bust like in 2009, but stressed layoffs could impact defaults. “If there are layoffs, people will struggle to make their payments, increasing default rates,” Kirchen said. “We’re seeing numbers now that properties going to foreclosure auction are actually increasing on the West Coast, so there is some sort of lack of appetite for rising values.” Robinson, looking ahead, said he believes transactions will decline, which will lead companies to cutdown operations. However, “All is not bleak,” Robinson said, as he noted he expects the market to remain strong in 2020.  The Technological AdvantageOf course, for every dangerous door technology opens, there are plenty of bridges it provides to new opportunities as well. Qualia Co-Founder Joel Gottsegen told MReport that advancements in technology— notably a little invention known as the smartphone—have provided most Americans with access to the internet almost anywhere in the world. While the real estate and lending industries have evolved over the past decade to meet expectations from a more tech-savvy clientele, Gottsegen suggests the title industry lags behind. “You have more digital loan applications, you have more purchase-and-sale agreements being signed on the internet rather than via a wet sign. Even within the closing part of the transaction itself, you have more and more digital interactions,” Gottsegen said. “So it’s not a surprise that we’re seeing an uptake in demand for things like electronic signing and electronic notarization. The key is, technology companies and title companies use a partner to empower title companies to meet the consumer expectations when they demand it.” Gottsegen added that, while most people may not want to complete the largest transaction they will ever make on a 4.7-inch touch screen, the market is changing, and the surge of millennial homebuyers is altering long-standing assumptions. “Title companies need to be able to provide both experiences,” he said. “The in person experience—sitting around the table, talking everything through—as well as that streamlined, mobile app, sign-everything-online experience.” Gottsegen said the answer to being a successful title company in 2019 is to, “just be ready.” “Be able to provide this experience when it’s required, and you don’t have to provide it when it’s not required. That flexibility is key, which is a function of what technology title companies are working with,” he said. Gilbert said the ability for millennials to do a digital transaction, from loan application, to contract submission, to electronic closings, will be “uniformly accepted in the future,” but with security safeguards. “Add remote notarization to electronic closings … the traditional closing experience at the title company table may go the way of brick-and-mortar retail stores,” she said. Stone said technology has also given title companies the ability to outsource non-client specific functions, such as the production of title reports, cybersecurity, human resources, and marketing. “Technology has allowed the industry to consolidate data acquisition and sharing, as well as making information more readily available to title companies, real estate agents, lenders, and consumers,” Stone said. “Technology has facilitated eClosings, remote notary, and online processing, thereby taking time and cost out of the process for all concerned.” Gottsegen observed that the current generation of buyers are accustomed to using technology on a daily basis, and using an antiquated process “is a surprise to them.” He added that every part of the real estate industry over the past decade has caught up to those expectations. “Unfortunately, you have the title companies who haven’t had that same technology partner to let them get to that level of consumer expectations that we’re seeing now,” Gottsegen said. Ultimately, Robinson said technology touches everything we do, but can increase efficiencies. He added that title companies can improve their use of digital communication, especially with business-to-consumer communications.  “To achieve that kind of consistency, individual consumer needs must be effectively communicated and addressed. That means digital communication has to become a priority. Moreover, as we improve communication, we reduce risk,” Robinson said. “For example, wire fraud survives on the failure of service providers to timely and securely communicate to their customers. Technology has created that problem and can also be the means to solve it.” Rubin, as a self-professed, “borderline millennial,” says he has yet to see much of an impact from technology. He noted that there is a great deal of chatter and “a lot of people afraid of it,” but he views things such as eNotorizations as the “next logical step.” “I’m ready for it and I’m eager to see what it does to the business. Those who are afraid of it will fall behind,” Rubin said. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Week Ahead: Nearing the Forbearance Exit 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 Previous: Are Recession Signals Cooling? Next: Why Wall Street Is Critical to GSE Reform The Dawn of a New Era for Title Title Industry 2019-10-24 Mike Albanese October 24, 2019 4,464 Views last_img read more

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first_img By News Highland – March 25, 2013 Facebook Previous articleConcern expressed about future of parish owned community centre in CregganNext articleBritish Prime Minister David Cameron to visit Derry this year News Highland Facebook Minister McConalogue says he is working to improve fishing quota Google+ Pinterest WhatsApp Twitter Almost 10,000 appointments cancelled in Saolta Hospital Group this week RELATED ARTICLESMORE FROM AUTHOR Google+center_img News Pinterest LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Court told there are six reports outstanding in Derry rocket find case 70% of Cllrs nationwide threatened, harassed and intimidated over past 3 years – Report WhatsApp Twitter Need for issues with Mica redress scheme to be addressed raised in Seanad also Derry Magistrate’s Court was told today that there are reports still outstanding in the case involving three Derrymen charged in connection with the finding of a rocket in a car in the city in December.A Crown lawyer was giving an update in the case of 47 year old Damien Harkin from Westland Avenue, 42 year old Jason Lee Ceulman from Lecky Road and 47-year-old Neil Christopher Hegarty, from Sackville Street.The court was told the file had been submitted to the PPS but that various reports including forensics and explosive reports were still outstanding.Some of those reports are due this week and the rest next month.However the lawyer said that while these were target dates for the reports there was no guarantee they would be adhered to.All three were further remanded in custody to appear again on April 22. Dail hears questions over design, funding and operation of Mica redress schemelast_img read more