Category: ubkfoqkq

Forget gold, Cash ISAs and buy-to-let! I’d buy FTSE 100 dividend shares to retire early

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. 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. See all posts by Peter Stephens The FTSE 100’s recent decline is likely to dissuade many investors from buying shares. After all, it has fallen by over 20% from its recent peak and could experience further challenges as risks such as coronavirus and an oil price war continue.However, assets such as gold, buy-to-let and Cash ISAs may not offer the same level of return as FTSE 100 shares in the long run. As such, in terms of long-term retirement planning, now may be the right time to buy a diverse range of large-cap shares. They could help you to retire early.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Recovery potentialOne of the core aims of most investors is to buy when the stock market is low, and sell when it is high (although at The Motley Fool we also like to hold for the long term). While that sounds easy in theory, in practice it is much more challenging. A key reason for this is that for stock markets to be priced at a low level, there usually needs to be a significant amount of risk, fear and uncertainty ahead in the short run. This often causes investors to adopt a cautious approach to shares, and instead purchase other assets.However, investors who are able to look beyond those challenges and instead focus on the long-term prospects for the FTSE 100 can capitalise on low valuations. Although they may not experience large levels of profit in the near term, this is unlikely to be a major concern if they have a time horizon of many years until they retire.Furthermore, the FTSE 100 has a strong track record of recovering from its various downturns and bear markets. Among the worst of them was the 1987 crash, which included the largest one-day fall in the FTSE 100 of over 12%. Since then, though, the index has delivered high returns and helped many investors to retire early.Relative appealAssets such as gold, Cash ISAs and buy-to-let properties may seem appealing at the present time. However, gold is trading at a seven-year high. This suggests that it may not offer good value for money.Likewise, house prices in the UK are close to record highs when compared to average incomes. This may mean there are affordability issues ahead should interest rates rise in the coming years. And with the returns on Cash ISAs being less than inflation in many cases, they may fail to provide a boost to your retirement prospects.As such, buying cheap FTSE 100 dividend shares could prove to be a shrewd move. They appear to offer excellent value for money in many cases, while their dividends could provide a boost to their total returns in the long run. Ultimately, there may be further uncertainty ahead that leads to paper losses for investors. But over the long run, buying cheap shares could positively impact on your retirement prospects. “This Stock Could Be Like Buying Amazon in 1997” 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. Enter Your Email Address Forget gold, Cash ISAs and buy-to-let! I’d buy FTSE 100 dividend shares to retire earlycenter_img Peter Stephens has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Our 6 ‘Best Buys Now’ Shares Simply 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! Image source: Getty Images. Peter Stephens | Wednesday, 11th March, 2020 | More on: ^FTSE last_img read more


July 5, 2021 0

Societas Liturgica elects Lizette Larson-Miller president

first_img Rector Washington, DC Posted Aug 26, 2013 Societas Liturgica elects Lizette Larson-Miller president Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Submit an Event Listing Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Submit a Job Listing Featured Events Director of Administration & Finance Atlanta, GA Rector Knoxville, TN Rector Collierville, TN Rector Belleville, IL An Evening with Aliya Cycon Playing the Oud Lancaster, PA (and streaming online) July 3 @ 7 p.m. ET Rector Tampa, FL Assistant/Associate Priest Scottsdale, AZ Curate Diocese of Nebraska Virtual Episcopal Latino Ministry Competency Course Online Course Aug. 9-13 Priest-in-Charge Lebanon, OH Curate (Associate & Priest-in-Charge) Traverse City, MI The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 Rector Shreveport, LA Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Canon for Family Ministry Jackson, MS Press Release Service Rector Albany, NY Director of Music Morristown, NJ Rector Bath, NC Priest Associate or Director of Adult Ministries Greenville, SC New Berrigan Book With Episcopal Roots Cascade Books The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Bishop Diocesan Springfield, IL center_img Rector Smithfield, NC People Submit a Press Release An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Featured Jobs & Calls Assistant/Associate Rector Morristown, NJ TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET Assistant/Associate Rector Washington, DC Cathedral Dean Boise, ID Rector Hopkinsville, KY Tags Youth Minister Lorton, VA Rector Pittsburgh, PA Course Director Jerusalem, Israel Rector/Priest in Charge (PT) Lisbon, ME Episcopal Church releases new prayer book translations into Spanish and French, solicits feedback Episcopal Church Office of Public Affairs Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Associate Rector Columbus, GA Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Rector and Chaplain Eugene, OR Rector Martinsville, VA Larson-Miller with Prof. Dr. Martin Stuflesser, Societas Liturgica president-elect (left) and Gordon Lathrop, Societas Liturgica past president (right), in Würzburg[Church Divinity School of the Pacific] At its 24th Congress held in Würzburg, Germany from August 5-10, the members of Societas Liturgica elected Church Divinity School of the Pacific professor Lizette Larson-Miller as the organization’s president.Larson-Miller, who is the Nancy and Michael Kaehr Professor of Liturgical Leadership 
and Dean of the Chapel at CDSP, specializes in liturgical and sacramental theology and Eastern Christian liturgy. She has taught at CDSP and the Graduate Theological Union for eleven years and previously taught at the University of Notre Dame (South Bend) and Loyola Marymount University (Los Angeles). She holds a B.A. from the University of Southern California
, and M.A. from St. John’s University
 and a Ph.D. from the Graduate Theological Union.Societas Liturgica, an international society for liturgical study and renewal founded in 1967, encourages research in the field of worship and allied subjects, explores the pastoral implications of such research, seeks to deepen the mutual understanding of liturgical traditions and seeks to make clear the relevance of liturgy in the contemporary world.  Missioner for Disaster Resilience Sacramento, CA This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Associate Rector for Family Ministries Anchorage, AK Associate Priest for Pastoral Care New York, NY Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York Rector (FT or PT) Indian River, MI Family Ministry Coordinator Baton Rouge, LA last_img read more


June 20, 2021 0

South Melbourne House / Mitsuori Architects

first_imgPhotographs:  Michael Kai Photography Manufacturers Brands with products used in this architecture project Structural Engineer: CopyAbout this officeMitsuori ArchitectsOfficeFollowProductWood#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentRenovationWoodRenovationRefurbishmentHousesSouth MelbourneAustraliaPublished on June 03, 2015Cite: “South Melbourne House / Mitsuori Architects” 03 Jun 2015. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogVentilated / Double Skin FacadeTechnowoodClick Façade SystemWindowsMitrexSolar WindowMetal PanelsAurubisOxidized Copper: Nordic BrownAcousticKvadrat AcousticsAcoustic Panel System in AMOREPACIFIC HeadquartersStonesCosentinoSilestone® Surfaces – Loft SeriesWoodLunawoodThermo Timber and Industrial ThermowoodLightsLouis PoulsenOutdoor Lighting – Flindt PlazaTiles / Mosaic / GresiteLove TilesPorcelain Tiles – NestAluminium CompositesMetawellAluminum Panels for Interior DesignMetallicsRHEINZINKZinc Roof Systems – Double Lock Standing SeamStoolsWilkhahnOffice Stool – Aline-SBulbs / Spots / Wall LightsUniosHorticultural Luminaire – Kobe FloMore 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 Land Surveyor:Calvin F. RavenBuilding Surveyor:ReddoCost Consultant:Stephen J. Pitney & AssociatesArchitect In Charge:Matthew Murfett, Melissa LimCity:South MelbourneCountry:AustraliaMore SpecsLess SpecsSave this picture!© Michael Kai PhotographyRecommended ProductsDoorsSky-FrameInsulated Sliding Doors – Sky-Frame ArcDoorsLonghiDoor – HeadlineDoorsSaliceSliding Door System – Slider S20WindowsVitrocsaMinimalist Window – SlidingText description provided by the architects. This refurbishment of an existing double storey terrace house in South Melbourne opens up the entire ground floor and encloses an existing courtyard to create a communal multi- zoned family space that incorporates a lounge, quiet sitting room, and dining/kitchen areas. The family’s values of living and working together in shared spaces underpin this architectural design solution. Save this picture!© Michael Kai PhotographyOur client requested that the design focus on the creation of interesting internal spaces that would allow the family to enjoy time together whilst also providing separate zones for studying, reading, socialising and relaxing. 
A sculptural timber stair and mezzanine studio wraps around a sky lit void and acts as a central ‘node’ connecting the main living space with a first floor studio, concealed master bedroom and children’s bedroom zone.Save this picture!SectionThe existing concrete floor slab has been ground and polished to expose the dark bluestone aggregate, which is offset against crisp white walls and refined timber and stone joinery elements to create a light, serene space with a natural, relaxed feel.Save this picture!© Michael Kai PhotographyProject gallerySee allShow lessBurasiri / IDIN ArchitectsSelected ProjectsOpen Call: 2015 Faith & Form/IFRAA International Awards ProgramArchitecture News Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/638396/south-melbourne-house-mitsuori-architects Clipboard OPS Engineers, Perrett Simpson Stantin Save this picture!© Michael Kai Photography+ 19 Share Houses “COPY” Ben Scott Garden Design Architects: Mitsuori Architects Area Area of this architecture project Manufacturers: Australian Sustainable Hardwoods (ASH) Landscape Designer: center_img South Melbourne House / Mitsuori ArchitectsSave this projectSaveSouth Melbourne House / Mitsuori Architects Australia ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/638396/south-melbourne-house-mitsuori-architects Clipboard Area:  210 m² Photographs Howroyd Homes Pty Ltd ArchDaily CopyHouses, Renovation•South Melbourne, Australia “COPY” South Melbourne House / Mitsuori Architects Projects Builder: last_img read more


June 17, 2021 0

Photographer slain in Lima, police urged to explore link to work

first_img China’s diplomats must stop attacking media over coronavirus reporting to go further News Latin America’s community radio – a key service but vulnerable PeruAmericas Reporters Without Borders urges those investigating newspaper photographer Luis Choy Yin Sandoval’s murder to examine a possible link to his work. Employed by El Comercio, Choy, 40, was gunned down outside his Lima home on 23 February amid a surge in violence against media personnel in Peru.Choy was about to drive out of his garage when another vehicle blocked his way. Despite some variation in witness accounts, it has been established that a man got out of the other vehicle, exchanged a few words with Choy and then shot him in the head and abdomen. Neither Choy’s car nor anything else was taken.“As its seems robbery can be ruled out as a motive, we need to know if Choy was the victim of a reprisal connected with his work. Freedom of information in Peru continues to be beset by physical attacks, shootings and judicial harassment, while the authorities still take no effective measures to protect journalists and news media.”While the motive in the Choy case has yet to be established, the reasons for physical attacks on journalists are often known, especially in the provinces. But, as they are often linked to local political conflicts, they rarely lead to arrests.For example, three individuals shot Radio Max journalist Juan Carlos Yaya Salcedo in the leg in Cañete, on the outskirts of Lima, on 5 February. According to the Press and Society Institute (IPYS), Yaya had been criticizing Nuevo Imperial municipal government irregularities on the air.Radio Paraiso 92.1 FM, a local station in Olmos, in the northwestern region of Lambayeque, was forced off the air when it was the target of an arson attack for the second time this year on 8 February. Its manager, José Luis Cobeñas Ipanaqué, had also criticized the municipal government’s management.Reporters Without Borders will try to help Radio Paraiso to rebuild and get back on the air.Peru is ranked 105th out of 179 countries in the latest Reporters Without Borders press freedom index. RSF_en Latin American media: under control of families, economic and political elites Organisation Receive email alerts Newscenter_img News News December 4, 2019 Find out more PeruAmericas Follow the news on Peru Help by sharing this information February 26, 2013 – Updated on January 20, 2016 Photographer slain in Lima, police urged to explore link to work April 1, 2020 Find out more February 10, 2017 Find out morelast_img read more


June 12, 2021 0

Huntington Library Debuts New American Art Wing This Weekend

first_img Top of the News 8 recommended0 commentsShareShareTweetSharePin it The Jonathan and Karin Fielding Wing of the Virginia Steele Scott Galleries of American Art at The Huntington. Opens to the public on October 22, 2016. Architect and exhibition designer: Frederick Fisher and Partners. Photo by Fredrik Nilsen.The Jonathan and Karin Fielding Wing, a major addition to the American art galleries at The Huntington Library, Art Collections, and Botanical Gardens, will open to the public this Sat., Oct. 22, to reveal “Becoming America: Highlights from the Jonathan and Karin Fielding Collection,” an inaugural exhibition of more than 200 works of 18th- and early19th-century American art.The 8,600 square-foot, $10.3 million addition to the Virginia Steele Scott Galleries of American Art was designed by Frederick Fisher and Partners and includes 5,000 square feet of gallery space with dramatic, colorful displays that showcase early American paintings, furniture, and works of decorative art—some of which are promised gifts to The Huntington—and offer visitors important insights into the history of American art practice.“The collection, display, and contextualization of historical American art is among our chief priorities,” said Laura Skandera Trombley, president of The Huntington. “And the educational and inspirational value of the new wing is immeasurable. It brings to light unforgettable works made with American originality and is sure to delight and surprise visitors of all ages. We are profoundly grateful to Jonathan and Karin Fielding for their vision and generosity.”Fielding Wing ArchitectureFrederick Fisher and Partners, who also designed the Lois and Robert F. Erburu Gallery (a 2005 addition to the same building), developed the new Fielding Wing to feature eight new rooms for art display as well as a stately glass entrance and lobby on the south side of the building that mirrors those on the north side.The new glassed-in lobby makes entering the galleries (that will total 26,000 square feet of display space) more intuitive and inviting. The new entry will draw visitors to the galleries naturally, with the lobby area serving as a beacon from a popular path that leads through the Shakespeare Garden from the Huntington Art Gallery, where the renowned European art collection is displayed. In addition, the new entry allows easy access to and from the historic Rose Garden Tea Room and the Patio Grill.With this expansion of the Scott Galleries (the third since 2009), The Huntington becomes the home of one of the largest displays of historic American art in the Western United States.“Becoming America”“While the Fieldings have been collecting American art for a relatively short time, they have developed a focused and important body of historical works,” said Kevin Salatino, Hannah and Russel Kully Director of the Art Collections at The Huntington. “We have highlighted these in a creative installation that enhances their educational content as well as their powerful aesthetic qualities.”With more than 700 examples of American painting, sculpture, furniture, ceramics, metal, needlework, and other related decorative arts, the Fieldings’ collection is widely regarded as one of the most significant of its kind in the United States. The installation of “Becoming America” is grouped variously by the function of the objects, the materials from which they are made, and through the themes that they embody.In its rich diversity, the Fielding Collection offers a rare opportunity to explore early American history through objects made for daily use and through images of the everyday people who used them. Highlights of the collection include a rare painting on panel made about 1834 by Sheldon Peck (1797–1868) portraying Samuel and Eunice Judkins, residents of Ulster County, N.Y.; a striking portrait of a woman with a bowl of cherries, painted on panel about 1770 to 1780; a high chest of drawers made about 1774 by the Connecticut-based Eliphalet Chapin (1741–1807); a Windsor low-back settee with distinctive steam-bent arm rail made in Lancaster County, Pa., between 1760 and 1780; a rare pair of needlework pockets from about 1775, used by a woman to carry sewing implements and other items; and a Connecticut tall-case clock, with richly painted decoration and wooden works, signed by Riley Whiting (1785–1835) and made in Windsor, Conn., between 1819 and about 1828.About The Virginia Steele Scott Galleries of American ArtBegun in earnest in 1979, when the Virginia Steele Scott Foundation of Pasadena, made a major gift to The Huntington in memory of art collector, patron, and philanthropist Virginia Steele Scott (1905–1975), The Huntington’s collection of American art has grown from an initial 50 paintings to nearly 13,000 objects. Recent acquisitions include works by Milton Avery (1885–1965), Richard Estes (b. 1932), Sargent Claude Johnson (1888–1967), and Helen Lundeberg (1908–1999), as well as the Gail-Oxford Collection of 18th-century decorative art.First opened in 1984 with 6,800 square feet of gallery space, the Scott Galleries were expanded to 16,300 square feet with the addition of the Lois and Robert F. Erburu Gallery and completely reinstalled in 2009 to cover the history of art in the United States from the colonial period to the mid-20th century. In July 2014, The Huntington expanded the display of American art further by opening more than 5,000 feet of gallery space focusing on works of 20th- century art in an area previously used for storage.About The HuntingtonThe Huntington Library, Art Collections, and Botanical Gardens is a collections-based research and educational institution serving scholars and the general public. More information about The Huntington can be found at huntington.orgVisitor InformationThe Huntington is located at 1151 Oxford Rd., San Marino, 12 miles from downtown Los Angeles. It is open to the public Monday, Wednesday, Thursday, and Friday from noon to 4:30 p.m.; and Saturday, Sunday, and Monday holidays from 10:30 a.m. to 4:30 p.m. Summer hours (Memorial Day through Labor Day) are 10:30 a.m. to 4:30 p.m. Closed Tuesdays and major holidays. Information: (626) 405-2100 or huntington.org. Community News Business News Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Subscribe More Cool Stuff EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadenacenter_img First Heatwave Expected Next Week Your email address will not be published. Required fields are marked * 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 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. HerbeautyCostume That Makes Actresses Beneath Practically UnrecognizableHerbeautyHerbeautyHerbeautyAmazing Sparks Of On-Screen Chemistry From The 90-sHerbeautyHerbeautyHerbeautyIs It Bad To Give Your Boyfriend An Ultimatum?HerbeautyHerbeautyHerbeautyHe Is Totally In Love With You If He Does These 7 ThingsHerbeautyHerbeautyHerbeautyJennifer Lopez And Alex Rodriguez’s Wedding DelayedHerbeautyHerbeautyHerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeauty Make a comment History Huntington Library Debuts New American Art Wing This Weekend The new 8,600 square-foot Jonathan and Karin Fielding Wing, designed by Frederick Fisher and Partners, features the major exhibition “Becoming America” From STAFF REPORTS Published on Wednesday, October 19, 2016 | 11:44 am Community News Name (required)  Mail (required) (not be published)  Website last_img read more


June 12, 2021 0

Rocket Mortgage’s “Certain Is Better – Tracy Morgan, Dave Bautista & Liza Koshy” Wins…

first_img Facebook By Digital AIM Web Support – February 8, 2021 Facebook TAGS  Local NewsBusiness Twitter Pinterest Twittercenter_img Rocket Mortgage’s “Certain Is Better – Tracy Morgan, Dave Bautista & Liza Koshy” Wins USA TODAY’s 33rd Annual Super Bowl Ad Meter Competition Pinterest WhatsApp MCLEAN, Va.–(BUSINESS WIRE)–Feb 8, 2021– USA TODAY, part of Gannett Co., Inc. (NYSE: GCI), announced Rocket Mortgage’s “Certain Is Better – Tracy Morgan, Dave Bautista & Liza Koshy” was voted the winning commercial of USA TODAY’s 33 rd Super Bowl Ad Meter, the premier gauge for public evaluation and opinion about Super Bowl advertisements. This marks the first time Rocket Mortgage has finished first in Ad Meter. Rocket Mortgage’s winning commercial received the highest average rating in this year’s competition presented by Kia Motors. The commercial features actor and comedian Tracy Morgan, who goes on an uncertainty-filled montage to prove that “pretty sure” is never the way to go – especially if that involves deciding to fight actor and former professional wrestler David Bautista. Rocket Mortgage’s second ad, “Certain Is Better – Tracy Morgan & Joey Bosa,” had the second-highest rating, making the brand the first to claim the top two spots in USA TODAY’s Ad Meter competition since 2007. Voting took place on the Ad Meter platform at admeter.usatoday.com starting on Wednesday, Feb. 3, and remained open until Monday, Feb. 8 at 1 a.m. ET. Registered panelists were required to rate every eligible national Super Bowl ad that aired between the coin toss through the end of the two-minute warning of the fourth quarter, including halftime, and the ad with the highest average rating was named the winner. The top five ads, as rated by the 2021 Ad Meter panelists, are: Rocket Mortgage, “Certain Is Better – Tracy Morgan, Dave Bautista & Liza Koshy,” 7.38Rocket Mortgage, “Certain Is Better – Tracy Morgan & Joey Bosa,” 7.30Amazon, “Alexa’s Body,” 6.75M&M’S, “Come Together,” 6.73Toyota, “Upstream,” 6.71 “For some, the Super Bowl commercials are more important than the game, and USA TODAY’s Ad Meter program is a longstanding Super Bowl tradition that remains the gold standard for measuring consumer opinions about the big game’s ads,” said Chris Pirrone, VP and General Manager, USA TODAY Sports Media Group. “Congratulations to Rocket Mortgage for producing a message that really resonated with audiences and earned the top spot for 2021.” Following the conclusion of Ad Meter, USA TODAY Sports is launching Replay Ratings sponsored by Verizon as another measurement tool for superlative categories that will name commercials as the most comical, inspiring, heartwarming, nostalgic, as well as the best teaser. Voting begins today, Monday, Feb. 8, and will officially close on Thursday, Feb. 11. USA TODAY will be hosting “ Ad Meter Live ” today at noon ET. The video show hosted by USA TODAY’s Ralphie Aversa, host of USA TODAY’s Entertain This!, will feature industry experts, including Adweek’s Editor-in-Chief, Stephanie Paterik, and USA TODAY National Sports Columnist Nancy Armour for commentary on the commercials and Ad Meter results. Visit admeter.usatoday.com to see the full 2021 Ad Meter results and to view previous Ad Meter winners and ratings. About USA TODAY Founded in 1982, USA TODAY reflects the pulse of the nation, serving as host of the American conversation by delivering high-quality, engaging content through unique visual storytelling across all platforms. A media innovator, USA TODAY reaches more than 90M unique visitors each month across digital platforms, with more than 25 million downloads of our award-winning app. USA TODAY is owned by Gannett Co., Inc. (NYSE: GCI). View source version on businesswire.com:https://www.businesswire.com/news/home/20210208005498/en/ CONTACT: For Media Inquiries, Contact: USA TODAY NETWORK Hayley Hoefer Public Relations and Corporate Communications, Manager 504.339.2425 [email protected] KEYWORD: VIRGINIA UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: MARKETING ADVERTISING COMMUNICATIONS PUBLISHING SOURCE: USA TODAY Copyright Business Wire 2021. PUB: 02/08/2021 09:12 AM/DISC: 02/08/2021 09:12 AM http://www.businesswire.com/news/home/20210208005498/en WhatsApp Previous articleDuring Black History Month, T-Mobile Launches Programs Focused on Driving Opportunity for Students, Tech Workers and Business OwnersNext articleSchneider Electric Advances Plug and Produce Industrial Automation with EcoStruxure Automation Expert v21.0 Digital AIM Web Supportlast_img read more


June 2, 2021 0

African-American Homebuyers Still Feeling Impact of Great Recession

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / African-American Homebuyers Still Feeling Impact of Great Recession Data Provider Black Knight to Acquire Top of Mind 2 days ago African-American Homebuyers Still Feeling Impact of Great Recession Governmental Measures Target Expanded Access to Affordable Housing 2 days ago November 27, 2019 2,189 Views Melanie GambleAn October article from The Washington Post revealed that black homeownership has been hit hardest by rising student debt. Additionally, the homeownership gap between black and white homeowners is at its highest level in over 50 years, according to research by the Urban Institute. “African Americans are already being left out of the housing market and that’s exacerbating levels of inequality in this country,” said Lawrence Yun, Chief Economist and SVP of research at the National Association of Realtors. “There’s a kind of urgency now within the housing community to bring younger African American buyers into real estate.”However, according to Melanie Gamble, Broker/Owner of 212 Degrees Realty in Upper Marlboro, Maryland, that only tells half the story. Gamble chronicled the struggle communities of color have faced since the Great Recession in her book, Unintended Consequences. Gamble said minority homeownership is nearing record lows, even dating back before the 1960s when people of color were able to purchase homes. The U.S. Census Bureau reported that the African-American homeownership rate for Q3 2019 was 42.7%—far below the national average of 64.8%. The homeownership rate for white Americans was 73.4%, 47.8% for Hispanics, and 58.8% for Asians. “Of course the entire nation was impacted,” Gamble said of the effects of the Great Recession, “but it impacted communities of color a lot worse. And unfortunately, we have not been able to recover at the same rates as other communities.” Gamble cites many reasons for African-Americans not being able to bounce back at the same rate as others and one of those reasons is the net worth of African-Americans as a whole.  “Unfortunately, a lot of people of color purchased homes with loans that were later deemed to be predatory. Homes were appreciating at a rapid rate and purchasers were being told, don’t worry, you can always refinance,” she said. “Once the recession hit and the market started to shift, you saw home values decline by as much as 50% in some communities and the possibility of refinancing vanished.  Without any other real wealth, the net worth of African-Americans essentially disappeared as a lot of homeowners found themselves upside down on their mortgage.” Forbes revealed earlier this year that the average, non-retired, African-American had $13,460 in wealth in 2016—just 9.5% of reported wealth of $142,180 for white Americans. The average wealth for African-Americans in 2007 was 13.7% of the median-white wealth—$24,841.Gamble said one of the best things to happen to African-American homeowners over the past decade was President Barack Obama’s HARP program. The HARP program allowed people the opportunity to refinance who were underwater. She also said the Mortgage Forgiveness Act was beneficial in not double penalizing people who may have lost their home.“It was just really, really unfortunate that a lot of the lenders in the beginning of the crisis were not as flexible as they are today and working with people,” she said. Gamble, while noting current foreclosure rates are at historical lows, said that we’re witnessing a “super inflated, insulated market.” “It’s all kinds of smoke and mirrors,” she said. “I don’t think too much will happen next year because we’re in an election year—but I believe after the election we’ll see some changes and unfortunately I think we’ll start to see interest rates rise again and we’ll really start to see affordability coming into play.” In her book, she continues, takes a historical look at housing laws, and found that communities of color lacked financial literacy. “If all you had was the equity you were building in your home and then that disappears, there you go,” Gamble said. “One of the biggest things I found was that there is such a lack of financial education.”In her book, Gamble said her passion for real estate began nearly two decades ago when her grandmother, or as she called her, “Bigmama,” passed away and left her land in Daphne, Alabama. However, Gamble was never able to enjoy that land as her grandmother forgot to pay the property taxes on it. An investor purchased it for just $1,000 during an auction. Gamble said she was “heartbroken.” “I channeled my frustration into something positive,” she said. “By June, I was taking my first real estate course at Professional Development Institute in Silver Spring, Maryland. By September I was a licensed agent.“I knew if the loss of property could happen so easily to my family in Daphne, Alabama, it could likely happen just about anywhere to anyone.” Gamble said that it has now become her “mission” to educate people about homeownership, and that REO has allowed her to be in the community and reach people still feeling the effects of the Great Recession. “I do my best to make sure that they have a dignified transition and that they don’t feel any less than what they may already be feeling,” she said.   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. Tagged with: African American Great Recession Homebuyers The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days ago African American Great Recession Homebuyers 2019-11-27 Mike Albanese Previous: The Challenges Facing Law Firms, Servicers in 2020 Next: Home Sale Activity Indicating Economic Shifts Demand Propels Home Prices Upward 2 days ago Subscribe The Best Markets For Residential Property Investors 2 days ago About Author: Mike Albanese Share Save Sign up for DS News Daily in Daily Dose, Featured, Market Studies, Newslast_img read more


May 31, 2021 0

Carers should not be targetted – Harkin

first_imgNews LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Google+ Pinterest Twitter Carers should not be targetted – Harkin Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margey Previous articleCouncil urge people to conserve water and take care as thaw sets inNext articleLocal SVP president urges families under pressure to make contact News Highland Twitter Facebook WhatsApp WhatsAppcenter_img By News Highland – December 9, 2010 Calls for maternity restrictions to be lifted at LUH North-West MEP Marian Harkin has slammed the Irish government’s decision to cut state supports for Carers in the 2011 Budget.She says that this move will prove a step backwards from ensuring future prosperity.The Independent MEP said the reduction in the national Carers Allowance and cuts to Carers’ tax breaks might save money in the short term, but could cost the country dearly in the long runMs Harkin says in Donegal alone, carers save the economy 88 million euro a year…………….[podcast]http://www.highlandradio.com/wp-content/uploads/2010/12/mhark3pm.mp3[/podcast] Google+ Facebook Guidelines for reopening of hospitality sector published RELATED ARTICLESMORE FROM AUTHOR Almost 10,000 appointments cancelled in Saolta Hospital Group this week Pinterest Need for issues with Mica redress scheme to be addressed raised in Seanad alsolast_img read more


May 27, 2021 0

‘Constitutional Duty Of State To Ensure Effective & Speedy Prosecution’: Calcutta High Court Calls For Reports On Undertrials In NDPS Cases

first_imgNews Updates’Constitutional Duty Of State To Ensure Effective & Speedy Prosecution’: Calcutta High Court Calls For Reports On Undertrials In NDPS Cases Akshita Saxena29 Nov 2020 11:16 PMShare This – x”Right of bail to an under-trial flows from Article 21 of the Constitution of India which frowns upon unnecessary and prolonged detention pending judicial adjudication of guilt,” observed the Calcutta High Court on Friday while stating that the restrictions on grant of bail to an undertrial under Section 37 of the Narcotic Drugs and Psychotropic Substances Act (NDPS) 1985, have to be read…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?Login”Right of bail to an under-trial flows from Article 21 of the Constitution of India which frowns upon unnecessary and prolonged detention pending judicial adjudication of guilt,” observed the Calcutta High Court on Friday while stating that the restrictions on grant of bail to an undertrial under Section 37 of the Narcotic Drugs and Psychotropic Substances Act (NDPS) 1985, have to be read in light with the right to personal liberty envisaged under Article 21 of the Constitution. A Division Bench of Justices Suvra Ghosh and Joymalya Bagchi was hearing the bail application of an undertrial under the NDPS Act, who had been incarcerated for over five years during the pendency of his trial (where only two witnesses had been examined till date). Saddened by the ‘chronic malady’ of under-trial detention in India, the Bench called for reports on detention under the NDPS Act, whereby the accused have been in jail for five years or more. It said, “Under-trial detention in India is a chronic malady in the administration of criminal justice. 25th Edition of the Prison Statistics in India as per NCRB Report, 2019 shows that 69.5 per cent of prsioners in Indian jail are undertrials. Under such circumstances and to ensure that equal justice is extended to all under trials who are incarcerated in jail for five years and more in NDPS cases, we direct the learned ASG as well as the learned Public Prosecutor, High Court, Calcutta to submit reports enumerating cases under NDPS Act where accused persons are in detention for five years or more. Similar report shall be filed by the Registrar General of this Court also.” The matter will be taken up on January 15, 2020. During the hearing, the question which arose for the Court’s consideration was whether the restrictions imposed by Section 37 of the NDPS Act are over ridden by the operation of the directions given by the Supreme Court in Supreme Court Legal Aid Committee v. Union of India, (1994) 6 SCC 731. In this case, the Apex Court while dealing with the issue of grant of bail on the score of inordinate delay in disposal of trials, had taken into consideration the statutory restrictions under Section 37 of the NDPS Act and had held as follows: “We are conscious of the statutory provisions finding place in Section 37 of the Act, prescribing the conditions which have to be satisfied before a person accused of an offence under the Act can be released…we have felt that deprivation of the personal liberty without ensuring speedy trial would also not be in consonance with the right guaranteed by Article 21.” The Additional Solicitor General however disputed the application of this verdict and argued that no law under Article 141 was declared therein; only “one-time direction” was issued. He further contended that inordinate delay in trial may entitle the under trials to apply for bail only after compliance of requirements under Section 436A (Maximum period for which an undertrial prisoner can be detained) of CrPC and not otherwise. Not convinced by this submission, the Division Bench pointed out that the Apex Court in this case, after analysing the impact of inordinate and inexplicable delay on the fundamental rights of prisoners, went on to explore the reliefs which may be made available to the incarcerated persons booked under NDPS Act. It said, “These directions cannot be whittled down or restricted by the operation of Section 436 A Cr.P.C. The said provision is an expression of similar anxiety of the legislature to minimize under trial detention. The directives of the Apex Court relating to bail and section 436A operate in the same field and are supplementary to one another. To read one in derogative of the other would amount to restricting the right of under-trials to bail in the face of inordinate delay in trials and would frustrate the very spirit of the aforesaid law.” On the argument that these directives were issued as a one-time measure, the Bench observed, “We, however, note that the directives were subsequently extended to the State of West Bengal and other States vide order dated 17th April, 1995 reported in 1995(4) SCC 695. We are of the view that the aforesaid directives of the Apex Court in the matter of grant of bail due to inordinate delay are required to be taken into consideration and similar relief is to be extended to all undertrials who stand on the same footing. Liberty is an inalienable right of every individual guaranteed by our Constitution and cannot be whittled down by arbitrary categorisation.” The Bench added, “”Procedure established by law” under Article 21 cannot be viewed in isolation from the principles of “equal justice” or “equality before law” enshrined under Article 14. To achieve such universal equality it is imperative that the directives laid down by the Court in the said report be extended to all undertrials who are similarly circumstanced and are suffering protracted detention throughout the length and breadth of the country. Selective approach to personal liberty is an anathema to our constitutional scheme. Hence, it is the duty of every Court including the High Courts when faced with the question of “bail or jail” to bear in mind the beholden principles of parity and equal access to justice. Courts need to rise above petty technicalities to preserve and restore liberty to all similarly circumstanced persons. Failure to do so, would create privileged oases of liberty accessible to few and denial of freedom to most.” The Bench also referred to the Supreme Court’s latest verdict on the right to personal liberty in the Arnab Goswami case, wherein it was held that the High Courts and the District Judiciaries are required to enforce the principle of “bail and not jail” in practice and not leave the court of last resort to intervene at all times. Arnab Goswami Case : ‘If This Court Does Not Interfere Today, We Are Travelling On Path Of Destruction’, Says Justice Chandrachud “The Court observed that the remedy of bail is “an expression of the humanness of the criminal justice system” and it cannot be applied in an inverted manner. If we do not extend the wholesome directives in Supreme Court Legal Aid Committee (Supra) to all under trials (in NDPS case) incarcerating in jail for more than five years, we would fail to discharge our constitutional duty to preserve personal liberty of citizens and apply the balm of humanness to those unfortunate undertrials who have failed to knock the door of the Apex Court,” the Division Bench thus said. It added, “The principle of apportionment of responsibility in the matter of delay in trial must be counteracted in the backdrop of the constitutional duty of the State to ensure effective and speedy prosecution. The Constitution assures every individual the precious right of personal liberty and when it is forfeited by the State to ensure administration of criminal justice a heavy corresponding duty is cast on it to ensure speedy conclusion of trial minimizing under trial detention. Directives in Supreme Court Legal Aid Committee (Supra) are to be viewed from such perspective.” The Bench also clarified that the present case is not one where the accused had caused any delay. It therefore allowed the accused’ bail plea upon furnishing a bond of Rs. 2,00,000/- with ten sureties of Rs. 20,000/- each, one of whom must be local, to the satisfaction of the Special NDPS Court, subject to the conditions that petitioner shall appear before the trial court on every date of hearing until further orders. Know the Law Section 37 of the NDPS Act prescribes twin conditions for grant of bail. It provides: “no person accused of an offence punishable for offences under section 19 or section 24 or section 27A and also for offences involving commercial quantity shall be released on bail or on his own bond unless: (i) the Public Prosecutor has been given an opportunity to oppose the application for such release, and (ii) where the Public Prosecutor opposes the application, the court is satisfied that there are reasonable grounds for believing that he is not guilty of such offence and that he is not likely to commit any offence while on bail.” As per the provision, if the prosecutor opposes the prayer for bail, an onerous duty is cast on the accused to satisfy the Court there are reasonable grounds to believe that he is not guilty of the alleged offence and shall not commit similar offence while on bail. It may be noted that the Apex Court has unequivocally held the expression “reasonable ground” must mean “prima facie ground”. In this backdrop the Division Bench had remarked that the ratio in Supreme Court Legal Aid Committee (Supra) “clearly curves out a separate niche for grant of bail to under trials on the score of inordinate delay in contradistinction to bail on merits. Exercise of judicial discretion in this domain stands on a completely different footing from grant of bail on merits which is circumscribed by the restrictions envisaged under section 37 of the Act.” Case Title: Sanawar Ali v. v. Union of India & Ors. Click Here To Download Order Read OrderNext Storylast_img read more


May 26, 2021 0

Transmission Line Route- “Ensure Least Displacement To Farmers Or Disturbance To Agricultural Lands”: Madras High Court To State

first_imgNews UpdatesTransmission Line Route- “Ensure Least Displacement To Farmers Or Disturbance To Agricultural Lands”: Madras High Court To State Sparsh Upadhyay22 Jan 2021 7:31 AMShare This – xThe route should be so planned by the State there is a least displacement of farmers or disturbance to the agricultural lands while keeping the costs of transmission also in mind: Madras High CourtThe Madras High Court on Monday (18th January) observed that if transmission towers/lines have to be set up on agricultural lands, then the route should be so planned by the State there is a least displacement of farmers or disturbance to the agricultural lands while keeping the costs of transmission also in mind. The Bench of Chief Justice Sanjib Banerjee and Justice M. M. Sundresh…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe Madras High Court on Monday (18th January) observed that if transmission towers/lines have to be set up on agricultural lands, then the route should be so planned by the State there is a least displacement of farmers or disturbance to the agricultural lands while keeping the costs of transmission also in mind. The Bench of Chief Justice Sanjib Banerjee and Justice M. M. Sundresh was hearing a plea wherein the petitioner raises an issue as to how transmission lines should be designed so as not to disturb agricultural lands or render large tracts of agricultural fields uncultivable. Importantly, the Court directed that a copy of the petition be forwarded to the Head of the Electrical and Mechanical Departments in the Indian Institute of Technology, Chennai, for such body to be represented on the virtual mode when the matter appears next. To this, the petitioner also stated that aspects of the matter such as electromagnetic emission from transmission lines that may have an adverse effect on crop production and even human health may be considered by the Indian Institute of Technology in its report. To this, the Court was of the view that at present, it appears to be far-fetched to seek transmission lines to be carried underground, particularly, since that could involve huge expenses and, in any event, for such lines to be carried underground, there may be even more disruption in the agricultural activities undertaken, unless the jack-pushing method or boring method, on a limited scale, can be resorted to upon a scientific study being conducted in such regard. [NOTE: Interestingly, in the year 2019, the Madras High Court had suggested that the Tamil Nadu government consider laying underground cables for transmitting high-tension power so that the possible effect of high voltage causing cancer be neutralized. Justices N Kirubakaran and S. S. Sundar in their interim order had also issued notices to the Chief Manager of the Power Grid Corporation, Collectors of Karur, Tiruchi and Dindigul and posted the matter for hearing after four weeks.] Further, in the instant matter, while noting that the State or the appropriate authorities should take the lines of least resistance while choosing the routes of the transmission lines, the Bench remarked, “It is possible that towers have to be set up on agricultural lands, but the route should be so planned so that there is a least displacement of farmers or disturbance to the agricultural lands while keeping the costs of transmission also in mind.” Lastly, the matter was posted for further hearing on 15th February 2021 along with another writ petition (related to the similar matter and pending before the Single Bench). Related news In the year 2019, the Madras High Court had held that erection of the cell phone towers cannot be prevented on a mere apprehension about the effect of radiation from the cell phone tower. The apprehension does not have a scientific backing. Till a positive finding is given in this regard, cell phone towers cannot be prevented to be installed on mere apprehensions, said Justice N. Anand Venkatesh while granting police protection to Reliance JioInfocomm to erect the tower in a property leased to it in Coimbatore. In the year 2019, the Bombay High Court had also observed that there is no conclusive scientific evidence indicating any identifiable risk of serious harm on account of non-ionized radiation emanating from TCS/BS and equipments for telecommunication network. However, last year, the Calcutta High Court had stayed the construction of Jio mobile tower in the event that the local self-governing authorities did not comply with the clause 4A of the Advisory Guidelines regarding the installation of the tower. Further, the court also found that the authorities did not invite objections from the people in the immediate vicinity of the site of the proposed mobile tower. Recently, while refusing to issue mandamus to the respondents for shifting the Mobile Tower to another place, the Uttarakhand High Court said that it is neither the responsibility, nor the duty of the Court to run the administration Last month, the Madras High Court ordered compensation to the parents of a 22 years old boy, who died due to electrocution after stepping on snapped live wire. Case title – Nethaji v. Union Of India and others [WP(MD) No.18308 of 2020 and WMP(MD)No.15297 of 2020]Click Here To Download OrderRead OrderNext Storylast_img read more


May 26, 2021 0