3 smart moves to help you to retire a millionaire

first_img Image source: Getty Images. Paul Summers 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. See all posts by Paul Summers 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. 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. 3 smart moves to help you to retire a millionaire Paul Summers | Saturday, 16th May, 2020 Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge!center_img Investing is a great leveller. You don’t need a background in the City, great contacts or any financial qualifications to become a millionaire retiree. You simply need to make a few smart moves. Here are three of them.1. SIPP itAs much as we love the standard Stocks and Shares ISA at the Fool UK, we’re just as positive about another tax-efficient account — the Self Invested Personal Pension (or SIPP). As its name would suggest, this savings vehicle is ideal for those whose goal is to build a big nest egg for their golden years.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…The great thing about the Self-Invested Personal Pension (SIPP) over the ISA is that it forces you to focus on the long term by preventing you from accessing your money until the age of 55 (rising to 57 from 2028). An ISA, on the other hand, can be raided at whim, which isn’t really conducive to generating wealth for retirement.Another benefit of the SIPP over the standard ISA is that the government pays tax relief on any contributions you make. Pay in £800, for example, and you’ll receive an extra £200 to invest (assuming you’re a basic rate taxpayer). You can also pay in double the amount you can into an ISA (up to £40,000), although be aware that this allowance may change in the future. 2. Make time your friendIf you want to make it to millionaire status, you need to make the most of what Einstein supposedly labelled the eighth wonder of the world: compound growth (or interest on interest).To give you an idea of just how impressive compound growth is, £58,000 will, after 10 years be worth over £150,000, assuming an optimistic-but-not-impossible average annual return of 10%. After 20 years, it will be worth slightly more than £390,000. Stay invested for 30 years and you’ll have over £1,000,000.To generate this kind of return in reality, however, you’ll need to be comfortable with having most of your cash tied up in stocks. This is vital since equities have consistently been the best performing of all assets over the long term.To be clear, the longer you stay invested (and the more you save), the better your chances of retiring a millionaire.3. Become a millionaire on the cheapBecoming a millionaire is all about learning to buy at the lows and sell at the highs, right? Ideally, yes. The easiest bit of investing advice to convey is, however, also the hardest to achieve in practice.Very few people are able to get their timing just right; even fewer are able to do so consistently over years of investing. This is why we think it’s a good idea to buy regularly and automate the process as much as possible. Most investment platforms offer their clients the option to buy on a set day every month, thus avoiding the temptation to ‘time’ their purchases.Another positive to doing this is that it keeps costs low at around £1 per trade (costs vary depending on which platform you use). That’s far better than paying the normal charge of around £10-£12. Over many years of investing, paying the latter can have a huge negative impact on returns regardless of how good a stock picker you prove to be. A smart (but always Foolish) investor always endeavours to keep costs as low as possible to reap the rewards further down the line. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Simply click below to discover how you can take advantage of this. “This Stock Could Be Like Buying Amazon in 1997” Enter Your Email Address Our 6 ‘Best Buys Now’ Shareslast_img read more

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Rugby World needs you!

first_img Yes you!Rugby World is on the look out for players, coaches or supporters to take part in a global survey about the world’s best-selling rugby magazine and for as an incentive we have teamed up with rugbystore.co.uk who will give the first name picked at random – of those who fill out the survey – a voucher worth £100 and 5 runners-up vouchers worth £50 to be spent at www.rugbystore.co.uk. LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS So click here to take part We are looking for your opinions as we shape the next few years of Rugby World. What you think is crucial to us. MILTON KEYNES, ENGLAND – MAY 01: Northampton Saints hooker Dylan Hartley in action during the Heineken Cup Semi Final between Northampton Saints and USA Perpignan at stadium mk on May 1, 2011 in Milton Keynes, England. (Photo by Stu Forster/Getty Images) last_img read more

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Ruang Tekuni Apartments / DDAP Architect

first_img “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/946458/ruang-tekuni-apartments-ddap-architect Clipboard CopyAbout this officeDDAP ArchitectOfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsKutaOn InstagramOn FacebookIndonesiaPublished on August 27, 2020Cite: “Ruang Tekuni Apartments / DDAP Architect” 27 Aug 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogAluminium CompositesTechnowoodHow to Design a Façade with AluProfile Vertical ProfilesGlassMitrexSolar GreenhouseMetal PanelsAurubisOxidized Copper: Nordic BrownDoorsEGGERWood Laminate Doors in Molecular Plant Science InstituteStonesCosentinoSurfaces – Silestone® Nebula SeriesWall / Ceiling LightsLouis PoulsenLamp – LP RiplsWood Boards / HPL PanelsBruagRoom Dividers – Partition Wall MDFStonesNeolithSintered Stone – Mar del PlataWindowspanoramah!®ah! SecurityPanels / Prefabricated AssembliesULMA Architectural SolutionsMIS Facade PanelCarpetsFabromont AGTextile Floor Covering – Orbital® 07 COLORpunkt®LightsNorka lightingLuminaire – BelfastMore products »Save想阅读文章的中文版本吗?Ruang Tekuni 公寓,回应巴厘岛雨林风貌 / DDAP Architect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 ArchDaily Ruang Tekuni Apartments / DDAP ArchitectSave this projectSaveRuang Tekuni Apartments / DDAP ArchitectSave this picture!Courtesy of DDAP Architect+ 74Curated by Hana Abdel Share Projects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/946458/ruang-tekuni-apartments-ddap-architect Clipboard Photographs:  Sonny Sandjaya Manufacturers Brands with products used in this architecture project Indonesia Architects: DDAP Architect Area Area of this architecture project Manufacturers: AutoDesk, Lumion, Daikin, Hafele, Nippon Paint, Toto, B Panels, Desjoyaux, Mortar Utama, Niro Granito, Ong ceng Kuang, Rumah Roster, Trimble, VivereDesign Team:Dirgantara, Yuni Utami, Iwan, GunawanClients:Mr.Hendra & Mrs. LilieEngineering & Construction:UnangLandscape:Rai SudjanaLighting:Ong Cen KuangFurniture:VivereEngineering:UnangConstruction:UnangCity:KutaCountry:IndonesiaMore SpecsLess SpecsSave this picture!© Sonny SandjayaRecommended ProductsDoorsLinvisibileLinvisibile Curved Hinged Door | AlbaMetallicsTECU®Copper Surface – Classic CoatedDoorsJansenDoors – Folding and SlidingDoorsRabel Aluminium SystemsMinimal Sliding Door – Rabel 62 Slim Super ThermalText description provided by the architects. Ruang Tekuni, an oasis inside the urban peak of life. Ruang Tekuni is a boutique apartment located in Seminyak Bali. Exclusively for young expats, this boutique apartment consists of 12 studios across two levels, and a penthouse for the owner. On the ground floor, there is a lobby, administration room, also maintenance and service room. Balconies circulate around and look over a central courtyard filled with Brazilian fern trees and a pool with trickling water.Save this picture!Courtesy of DDAP ArchitectSave this picture!Mezzanine First FloorSave this picture!© Sonny SandjayaDesigned by DDAP Architect, an architect studio based in Ubud Bali, the concept is to bring tropical rain-forest on the apartment’s design. “We proposed the idea of a tropical rain-forest by placing green and zen elements in the center to create a sensory experience in terms of the visual and in the rustling of leaves in the trees and light breeze that blows on to the skin to present buildings that are in harmony with nature” says Dirgantara I Ketut, principal of DDAP Architect.Save this picture!Courtesy of DDAP ArchitectThe aim of this concept is to make a contemplation space, an oasis to hear the natural sound such as the sound of flowing water, leaves, and the blowing of cold air. It can be enjoyed by apartment users through small windows designed facing the courtyard. The courtyard is designed to combine the water, stone, trees, and light elements. On the second floor, there is a communal swimming pool and rooftop garden to enjoy the sunrise, watch the stars or enjoy the prevailing breeze. Greenery cascades throughout Ruang Tekuni to amplify the tropical feel.Save this picture!© Sonny SandjayaThe nature elements also expressed the use of selected wood materials in building and furniture inside to enhance the sense of calm and tropical feeling. Most of the material in this design using the reclaimed lumber and recycled roof which was carefully selected by the owner, Pitched terracotta-tile roofs are inspired by the traditional Balinese rice-barn roof shape and help to create more interior space.Save this picture!© Sonny SandjayaSave this picture!Section BBSave this picture!© Sonny SandjayaTerracotta blocks were applied for the façade screen, with the small openings in each block allowing light and air to filter through and giving intricate patterns to the building. The studios are rustic and comfortable with concrete pattern wall panels and recycled timber for the staircases and floors. An ancient Chinese house, as a penthouse for the owner’s house, crowns the building, with his private library and workspace on the top floor.Save this picture!© Sonny SandjayaHis artwork collection and his personal touch into the design is also accommodated throughout Ruang Tekuni , and it creates a homely feel. To support the function of the building and the convenience of the users, Ruang Tekuni also has a roof garden, which can be used to enjoy the sunrise and have a BBQ party at night. Such a paradise home living!Save this picture!Courtesy of DDAP ArchitectProject gallerySee allShow lessSeaweed as Cladding: Combining Old Traditions With New TechInterviewsSchool in Edegem / BovenbouwSelected ProjectsProject locationAddress:Seminyak, Kuta, Badung, Bali, IndonesiaLocation to be used only as a reference. It could indicate city/country but not exact address. Share Photographs Ruang Tekuni Apartments / DDAP Architect Area:  800 m² Year Completion year of this architecture project Year:  Apartments CopyApartments•Kuta, Indonesia “COPY” 2018last_img read more

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Climate

first_img Climate View360pLoading Ad 00:00/00:28 LIVEVIDEO ERROR Audio/video not supported Climate SHARE By Hoosier Ag Today – May 20, 2018 Home News Feed Climate Previous articlePlanting Finished? Get Scouting!Next articleHAT This Week: Farm Bill Vote Hoosier Ag Today Facebook Twitter Facebook Twitter SHARElast_img

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New COVID Restrictions Take Effect on Friday

first_img STAFF REPORT First Heatwave Expected Next Week STAFF REPORT Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Community News Top of the News EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS More Cool Stuff Your email address will not be published. Required fields are marked * Name (required)  Mail (required) (not be published)  Website  Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Community News Subscribecenter_img Make a comment Business News HerbeautyA Mental Health Chatbot Which Helps People With DepressionHerbeautyHerbeautyHerbeautyWant To Seriously Cut On Sugar? You Need To Know A Few TricksHerbeautyHerbeautyHerbeautyInstall These Measures To Keep Your Household Safe From Covid19HerbeautyHerbeautyHerbeautyAmazing Sparks Of On-Screen Chemistry From The 90-sHerbeautyHerbeautyHerbeauty10 Secrets That Eastern Women Swear By To Stay Young LongerHerbeautyHerbeautyHerbeauty15 things only girls who live life to the maximum understandHerbeautyHerbeauty CITY NEWS SERVICE/STAFF REPORT Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday 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. 9 recommended0 commentsShareShareTweetSharePin it faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Looking to combat a surge in coronavirus cases, Los Angeles County will tighten some restrictions this week, such as requiring restaurants, wineries, breweries and non-essential retail businesses to close at 10 p.m., while limiting gatherings to no more than 15 people from a maximum of three households.The county previously issued guidance limiting gatherings to three households, but there was no numerical limit on attendees.Although the changes had not been formally announced as of late afternoon, County Supervisor Sheila Kuehl told the Daily News the restrictions will take effect Friday.Other measures will include a 50 percent capacity limit for restaurants with outdoor service and a 25 percent capacity limit for personal care businesses and offices, she said.Customers of personal care businesses — such as nail salons — will have to make advance appointments, and no services can be performed that require the customer to remove a face mask.It is not known if Pasadena will adopt the new guidelines. If the state adopts the orders however, the city will have no choice.In anticipation of the new restrictions, the Pasadena Unified School District announced on Tuesday that the district will suspend some services until further notice.Special education services for small groups of students, which were scheduled to start this week, will not begin as scheduled.According to Board of Education Vice President Scott Phelps, the district on Monday was contacting the 26 families impacted by the decision to suspend special education services.In the second move, the district put a hold on athletic conditioning programs at high schools until further notice.Programs at LEARNs and Blair International Academy programs, which have been open for several weeks, will remain open since students and staff have been familiar with following safety protocols.Pasadena Health Department officials visited Blair last week to review safety protocols and approved their implementation.“The caution is understandable,” Phelps told Pasadena Now. “I do hope that in the near future we will try one of the small groups of special ed students and staff, perhaps with Pasadena public health observing, to see if it is possible and also athletic teams, to see if it is possible to conduct conditioning, again with PPH observing.”Pasadena remains in the restrictive purple tier which prohibits schools and some businesses from reopening for indoor business.The changes come amid a surge in COVID-19 that saw daily case numbers exceed 2,000 most of last week before topping 3,000 on Saturday and Sunday.The county has also seen a steady increase in hospitalizations. The number of L.A. County residents hospitalized with the virus surpassed 1,000 on Sunday for the first time in months, jumping from 966 on Saturday to 1,014, then up to 1,049 on Monday.Although the rate of deaths from the virus has not risen sharply, that number is considered a “lagging indicator,” meaning it tends to increase several weeks after a spike in hospitalizations.All other key metrics in the county are on the rise. Public health director Barbara Ferrer said Monday the county’s average daily rate of new cases per 100,000 residents was 13.7, nearly double the 7.6 rate from a week ago. The county’s seven-day average daily rate of positive virus tests was 5.3% on Monday, up from 3.8% just a week ago.The county reported 2,795 cases on Monday — a day when case reports are traditional lower due to a lag in reporting of test results over the weekend. Long Beach health officials announced 130 more cases Monday, while Pasadena reported 16. The new cases lifted the cumulative county total to 342,489 since the start of the pandemic.Another six coronavirus-related deaths were also reported by the county Monday, raising the death toll to 7,275.“It is clear that L.A. County is at a very dangerous point in the pandemic,” Ferrer said.Health officials have pointed squarely at gatherings of residents — either in public or private settings — for driving the recent surge, which has primarily involved younger residents under age 50.Ferrer said residents between 18-29 have consistently accounted for a larger proportion of new cases over the last two months, dramatically widening the gap over all other age groups. But while younger people are becoming infected more often, it is older residents suffering the consequences in terms of hospitalizations, she said, meaning young people are becoming infected and passing the virus to older residents who are at higher risk of severe illness.“This is most unfortunate and it serves as a stark reminder that young people are spreading the virus with disastrous results for our elderly,”Ferrer said.Los Angeles County is already mired in the most restrictive purple tier of California’s four-tier coronavirus monitoring system, placing severe limits on businesses and public gatherings. Based on the surge in cases in recent weeks, the county will be staying in that purple tier indefinitely.Gov. Gavin Newsom on Monday announced that 28 counties statewide were being moved back to the purple tier in response to a dramatic increase in case numbers. The move means 41 of the state’s 58 counties are under the tightest restrictions, up from 13 on Sunday.Ferrer said she remains hopeful that if residents get back to strict adherence to protocols such as avoiding gatherings, wearing face coverings and practicing social distancing, particularly over the Thanksgiving holiday, more drastic restrictions — such as a return to strict stay-at-home orders — can be averted.“If by us taking individual and collective actions as people and as organizations we don’t get it back under control, then we have no choice but totake a hard look at what kinds of restrictions would again limit our ability to intermingle, particularly in those situations where there may be higher risk,” Ferrer said. Community News New COVID Restrictions Take Effect on Friday Pasadena officials will have to decide to issue new order or stay the course STAFF REPORT Published on Tuesday, November 17, 2020 | 6:14 pmlast_img read more

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The Costliest Neighborhoods From Coast to Coast

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 Related Articles Demand Propels Home Prices Upward 2 days ago Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Previous: MCS Promotes Chad Mosley to Chief Relationship Officer Next: Consolidated Analytics Appoints New CFO Share Save The Costliest Neighborhoods From Coast to Coast February 25, 2019 1,214 Views About Author: Radhika Ojha Sign up for DS News Daily in Daily Dose, Featured, Market Studies, News Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Tagged with: Alaska California Colorado Home Prices Homes HOUSING Miami New York Realtor.com Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Which is the priciest neighborhood in each state? With median listing prices ranging from more than $6 million to as low as $346,000, a study by realtor.com looked at the most expensive neighborhoods in each and every state as well as the District of Columbia.To track down each state’s priciest area, the realtor.com team calculated the median listing price in 2018 for every ZIP code in the U.S. that had an average of more than 30 listings per month.The most expensive neighborhood in the country was not a huge surprise. With a median home list price of $6.06 million, the iconic 90210 ZIP code in Beverly Hills, California was hands down the costliest neighborhood in the country. However, the list also included some upcoming areas that have seen a price boom in recent years.One example was Birmingham, Alabama’s 35223 ZIP Code where new jobs are leading to a real estate boom. Buyers in this ZIP code can buy Beverly Hills-style homes for a fraction of that price. The median list price for a home in this area is $611,612, according to the study.While cities like New York and San Diego continue to be favored by international investors–the priciest neighborhood in New York state was the Tribeca area’s ZIP code 10013, with a median home list price of $4.7 million–Anchorage, Alaska has also been seeing increasing interest from “deep-pocketed international buyers,” the study revealed. With home prices averaging $537,129, Anchorage’s 99516 ZIP code is the priciest housing market pocket in Alaska.From the arctic hills to a ski village, homes in 81654 in Snowmass, Colorado are the costliest in the state. With the median home list price at more than $3.3 million the location of this ski town consists of enormous mansions, the study indicated.Looking at the South, Miami remained among the most expensive cities, with homes in 33109, Fisher Island costing more than $3.5 million. The study revealed that the area had become popular for second homes for some of the world’s wealthiest people. In Hawaii, Kilauea’s 96754 ZIP code was the priciest with home prices costing a little over $2.2 million.Click here to read the full list of the most expensive ZIP codes in each state. The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Alaska California Colorado Home Prices Homes HOUSING Miami New York Realtor.com 2019-02-25 Radhika Ojha Home / Daily Dose / The Costliest Neighborhoods From Coast to Coast read more

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Foreclosure Zombies Are Fading

first_img Servicers Navigate the Post-Pandemic World 2 days ago  Print This Post According to the Q4 2019 Vacant Property and Zombie Foreclosure Report from ATTOM Data Solutions, zombie properties have fallen to 2.96% of foreclosures, down from down from 3.2% in Q3 2019 and 4.7% in Q3 2016.“The fourth quarter of 2019 was a repeat of the third quarter when it came to properties abandoned by owners facing foreclosure: the scourge continued to fade. One of the most visible signs of the housing market crash during the Great Recession keeps receding into the past,” said Todd Teta, chief product officer with ATTOM Data Solutions. “While pockets of zombie foreclosures remain, neighborhoods throughout the country are confronting fewer and fewer of the empty, decaying properties that were symbolic of the fallout from the housing market crash during the recession.”Around 1.5 million (1,527,142) U.S. single family homes and condos were vacant in Q4, representing 1.5% of all U.S. homes. The highest percentage of zombie foreclosures were still in Washington, D.C., with 10.5% of foreclosures as zombie foreclosures. States where the zombie foreclosure rates were above the national rate of 2.9% included Kansas (7.9%), Oregon (7.9%), Montana (7.4%); Maine (6.7%) and New Mexico (5.8%), with the highest actual number of zombie properties in New York State (2,266). In response to the high number of zombie properties, New York received $500,000 in funding for a new team that will focus on cracking down on zombie properties that have been abandoned and are in foreclosure, according to PIX11. New York in 2016 was empowered by a zombie property law that requires financial institutions to inspect properties delinquent on foreclosures. The city’s first zombie team was created in 2017.Falling right behind New York in zombie property volume is Florida (1,461), Illinois (892), Ohio (823) and New Jersey (398). However, ATTOM notes that these numbers have all fallen year over year.The lowest rates of zombie foreclosures were in were in North Dakota, Arkansas, Idaho, Colorado and Delaware. These states all had rates below 1.2%. The Best Markets For Residential Property Investors 2 days ago Foreclosure Zombies Are Fading Share Save Foreclosure Vacancy Zombie Properties 2019-10-31 Seth Welborn About Author: Seth Welborn Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Foreclosure Vacancy Zombie Properties The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Demand Propels Home Prices Upward 2 days agocenter_img Previous: Are Loans Originated by GSEs Less Likely to Default? Next: GSE Quarterly Results: An Important Step Toward Privatization Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Foreclosure Zombies Are Fading Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured, Foreclosure, Loss Mitigation, News Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days ago October 31, 2019 3,501 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days agolast_img read more

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ACLS honors students, grads, faculty

first_imgCurrent Harvard students, recent graduates, and two professors are among those recently awarded fellowships and grants by the American Council of Learned Societies (ACLS). ACLS fellowships and grants are awarded to individual scholars for excellence in research in the humanities and related social sciences. The peer-review process used to select ACLS fellows enables distinguished scholars to reach broad consensus on standards of excellence in humanities research. In 2011, awards totaling nearly $15 million were made to 350 scholars worldwide.The Mellon/ACLS Dissertation Completion Fellowships assist graduate students in the humanities and related social sciences in the last year of Ph.D. dissertation writing. Recipients from Harvard include:Abigail Krasner Balbale, doctoral candidate, history; “Between Kings and Caliphs: Religion and Authority in Sharq al-Andalus, 542-640 AH/1145-1243 C.E.”Ana Olenina, doctoral candidate, comparative literature; “Gesture, Affect, Expression: Psychophysiology and Theories of Performance in Literature and Cinema of the 1910s-1920s”The ACLS New Faculty Fellows program allows recent Ph.D.s in the humanities to take up two-year positions at universities and colleges across the United States where their particular research and teaching expertise augment departmental offerings. This program addresses the dire situation of newly minted Ph.D.s in the humanities and related social sciences who are now confronting an increasingly “jobless market.” Recipients from Harvard include:Cavan Concannon, Ph.D., religion, Harvard Divinity School; appointed in religion at Duke UniversityMelissa Haynes, Ph.D., classical philology; appointed in classics at the University of Wisconsin, MadisonPhoebe Putnam, Ph.D., comparative literature; appointed in English at Stanford UniversityMichael Saman, Ph.D., Germanic languages and literatures; appointed in Germanic languages at the University of California, Los AngelesEren Tasar, Ph.D., history, Harvard; appointed in history at Washington UniversityLuis M. Girón-Negrón, professor of Romance languages and literatures and of comparative literature, was awarded the ACLS Collaborative Research Fellowship for “The Old Spanish Bible of Rabbi Moshe Arragel” (with Andrés Enrique-Arias, University of the Balearic Islands). The fellowship provides support to small teams of scholars to collaborate intensively on a single, substantive project that results in a tangible research product.Claire R. Grace, a doctoral candidate in the history of art and architecture, received the Henry Luce Foundation/ACLS Dissertation Fellowship in American Art for“Red All Over: Collectivism and Social Critique in the Art of Group Material.” The fellowship is awarded to graduate students in any stage of Ph.D. dissertation research or writing for scholarship on a topic in the history of the visual arts of the United States.Marc R. Loustau, a doctoral candidate in religion, received the East European Studies Program Language Grant for advanced Romanian language study. The program provides fellowships and grants to American scholars pursuing humanities and social science research in Eastern Europe. Awards include dissertation and postdoctoral fellowships for research and writing, grants for organizing conferences, and funding for travel to conferences. In addition, grants are offered to individuals for intensive summer study of East European languages and to institutions for conducting summer language courses.Eric Nelson, professor of government, received the Frederick Burkhardt Residential Fellowship for Recently Tenured Scholars for “Thinking the Revolution: American Political Thought, 1763-1789.” The fellowship supports scholars in the humanities and social sciences in the crucial years immediately following the granting of tenure, and provides potential leaders in their fields with the resources to pursue long-term, unusually ambitious projects. They are intended to support an academic year of residence at any one of the national residential research centers participating in the program.last_img read more

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Fast Action Craft is More than Just a Transport Boat

first_imgBy Dialogo July 01, 2011 At the Val-de-Caes Naval Base in Belem, Brazilian Marines gear up for an operation in the Amazon jungle. Soon, two groups of 12 Marines are speeding down the river to intercept several gunmen who have been hiding in a remote area of the Amazon jungle. The gunmen catch sight of the approaching Marines and jump into a go-fast boat anchored along the shore. A short chase ensues, but the gunmen’s boat is no match for the Brazilian Marines’ craft. The Marines, brandishing guns, surround the gunmen and order them to surrender. The operation, which in actuality was a training exercise, succeeded in large part due to the Fast Action Craft (FAC) employed by the Marines. Built by Val-de-Caes Naval Base engineers, FACs can maneuver along the rivers and lakes of the Amazon, dropping off troops right along the shoreline. “It makes the presence of the Navy in the Amazon region more effective, allowing us to reach the areas of the river where other kinds of ships and boats can’t go,” said Commander Cesar Leal Ferreira, head engineer of the industrial department at the naval base. The crafts have been used in riverine operations by the Brazilian Navy in support of counter-illicit trafficking, piracy, smuggling, as well as in joint operations with the Federal Police to combat drug trafficking. The FAC was originally built in the 1990s to operate as an organic boat aboard Navy ships. The crafts were updated throughout the past decade, with the newest version being unveiled at the 2011 Latin America Air & Defense conference (LAAD) in Rio de Janeiro in April. FACS – Main Features 7.55 meters Length 2.30 meters Beam 0.60 meter Draft, including keel deflector 14 people Capacity 200 horsepower Stern drive diesel engine 35 knots Maximum speed 500 liters Removable fuel tank capacity Optional Add-Ons Material – marine aluminum alloy: • Articulated canopy [reinforced, with coverage of 2 meters by 3 meters, anodized aluminum structure, acrylic cover] • Long range spotlight • Rotating police light • Ballistic armor [in Kevlar or high performance polyethylene] Reaching a maximum speed of about 35 knots, the new craft is built with an allwelded aluminum alloy hull, allowing it to have excellent maneuverability at high speed. Included among the modifications to the new model is level III ballistic armor around the troop deck, which provides protection while the bow provides support for a machine gun. The FACs are the most probable option to meet the approximate demand of 300 boats for the two services. The crafts, marketed by state-owned Empresa Gerencial de Projetos Navais, are exclusive to Brazil at this time. The Brazilian Navy’s display at LAAD 2011 represented the model’s first official introduction to representatives of the Armed Forces of friendly nations. Another great naval advance, today another major step forward in observations and communications using airborne systems was taken, SEE ON THE WWW PLATAFORMA CUADRADA DE OBSERVACIONES EN /MONOGRAFIA It would be another great step forward. AND BRAZIL IS PERFECTLY ABLE TO DEVELOP IT AND MAKE IT — I WOULD BE PLEASED TO RECEIVE AN OPINION ON THIS. SINCERELY. Major progress for the Navy. Today we were able to take another big step forward in surveillance and communications using air systems, LOOK UP WWW SQUARE PLATFORM FOR OBSERVATIONS / ANALYSIS. It would be another major step forward. AND BRAZIL CAN PERFECTLY DEVELOP AND MAKE IT- I WOULD BE VERY PLEASED TO RECEIVE YOUR OPINION. KIND REGARDS. • Support for machine gun at the bow • Side and keel deflectors [to improve stability and protect the propeller] • GPS [fixed base and removable panel, installed on the command console] last_img read more

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Colombian Armed Forces Activate Plan Victoria

first_imgBy Yolima Dussán/Diálogo May 01, 2017 Colombia is adjusting to changes brought by the post-conflict period. After five years of negotiations, the peace agreement with the Revolutionary Armed Forces of Colombia (FARC, per its Spanish acronym) has been signed, the armed conflict has ended, and the implementation of the peace process is now afoot. The goal is to strike a similar agreement with the National Liberation Army (ELN, per its Spanish acronym); however, the country is on its way to solidifying its new reality.That is why the Colombian government designed “Strategic Consolidation and Stabilization Plan Victoria,” [Victory], a government policy which all of the national security forces participated in drafting, and which goes hand in hand with the Strategic Plan for the Modernization of the Armed Forces, set for 2030. On April 12th, General Juan Pablo Rodríguez Barragán, commander of the Colombian Armed Forces, spoke with Diálogo about the scope of the plan being implemented by the Colombian Army, Navy, Air Force, and National Police.Diálogo: What does Strategic Consolidation and Stabilization Plan Victoria consist of?General Juan Pablo Rodríguez Barragán: The end of the armed conflict with the FARC means that we will be moving forward in a process of territorial stabilization and consolidation, and that we will be developing interagency strategies that will enable us to mitigate a set of factors which create instability and a lack of security. The comprehensive strategy in Plan Victoria is the institutional control of the nation’s territory, which is brought about through the united action of the state and the strengthening of governance. The end goal is the building of a stable and durable peace that is evidenced by a convergence in the high quality of life in the cities and the countryside. The main features of the plan make reference to including such concepts as priority focus areas, stabilization and consolidation, instability factors, institutional control of the nation’s territory, united action, comprehensive leadership, and decisive factors, among others.Diálogo: What are the consolidation and stabilization goals? Gen. Rodríguez Barragán: In the last 18 years, important gains have been made in reclaiming and controlling territory thanks to actions taken by the Colombian Armed Forces and the National Police. Consolidation and stabilization involves various tasks, in coordination with other instruments of national power, to maintain or restore a secure and protected environment: providing essential government services, supporting the rebuilding of infrastructure, and carrying out humanitarian aid programs.Diálogo: How will this contribute to making the benefits of the peace process a reality?Gen. Rodríguez Barragán: By tackling the social, economic, and judicial factors that create instability. Factors that, due to the interdependence between actors, methods, means, and objectives, function as a system. To achieve comprehensive security, we must attack the criminal networks that cause the problem; the active criminal phenomena and actors that are both domestic, within Colombia, and also transnational, with international actors. This means fighting armed groups, criminal groups, and transnational organized crime in a comprehensive manner, as well as fighting dissident groups and nascent groups that are emerging in the wake of the peace accord with the FARC.Diálogo: Will this effort be focused on areas that were previously occupied by the guerillas?Gen. Rodríguez Barragán: Yes, 160 municipalities have been prioritized as the focus of our main effort. However, this plan is focused on covering the entire nation, as it is a jointly coordinated interagency plan. We have identified 17 areas for priority attention in Colombia – 12 on land and five in our maritime jurisdiction. In these areas, there is a significant confluence of factors that demand a prioritization of interagency efforts.Diálogo: One of the fears among the population is dissent within FARC. Does Plan Victoria anticipate any specific actions on that score?Gen. Rodríguez Barragán: Of course, one specific strategy allows us to step up our joint efforts in order to contribute to deterring and defeating these enduring or emerging threats by dismantling underground economies as well as focusing and stepping up our main effort against the ELN and organized armed groups to neutralize their sources of financing. Currently, there are 60,000 service members deployed to occupy the FARC’s areas of influence, as well as 15,000 service members devoted to securing Colombia’s rural areas for normalization into legality. We are aware of the great task ahead of us.Diálogo: How will the Colombian Armed Forces organize itself for this process?Gen. Rodríguez Barragán: Victoria is aligned with the Strategic Plan for the Armed Forces for 2030. In terms of security, there are goals and gains set forth in the plan which should allow us contribute to the nation’s development and progress. Recovering and controlling Colombia’s territory, stabilizing, consolidating, and reinforcing its institutions are strategic axes around which the mission of the Colombian Armed Forces revolve. And working together with the National Police, we will be pushing ahead with a transformation and modernization process that will enable our forces to effectively meet the challenges of the future.Diálogo: Did the Espada de Honor [Sword of Honor] Plan, which was the previous basis for action, make Plan “Victoria” possible?Gen. Rodríguez Barragán: In its different versions, Espada de Honor was one of the most effective strategies employed by the Colombian Armed Forces in the last five years to make it impossible for the FARC to achieve its political objectives by force and also to limit progress on the criminal objectives pursued by organized armed groups. In this context, the FARC understood that the capacities acquired by the Colombian Armed Forces were making it impossible for them to achieve their political goal through arms, and that our sustained joint offensive was leading to their defeat. They then opted for asymmetrical warfare based on indiscriminate terrorism, using terrorist support networks to preserve their organization, impacting the state’s economic infrastructure and creating humanitarian crises as a formula to pressure the government to make decisions that would cover up their own strategic failure. The result of our military offensive, in addition to reducing FARC’s capacity to fight us in furtherance of their objectives, also offered the government the political setting it needed to formally explore and propose a peace negotiation with said guerilla group.Diálogo: How is Plan Victoria being carried out?Gen. Rodríguez Barragán: It rolls out over two periods. First, it achieves final status by August 7, 2018. That consists of achieving favorable security conditions and the stabilization and consolidation of a stable and durable peace. And one long-term goal for the Colombian Armed Forces, according to Plan 2030, is to have a modernized, reinforced, and motivated Armed Forces that can counter domestic and foreign threats in simultaneous situations to contribute to the nation’s development and to maintaining security in the region and internationally.Diálogo: What results should Plan Victoria be showing by December 2017?Gen. Rodríguez Barragán: The occupation of all of the areas formerly under the FARC’s criminal influence; a reduction in crime rates down to their lowest possible levels; the security conditions needed to support the roll-out of the FARC’s process of disarmament, demobilization, and reincorporation into society, in accordance with the provisions of the final bilateral ceasefire and cease of hostilities agreement between FARC and the Colombian Government; neutralizing ELN cells, organized armed groups, and the criminal phenomena that most impact our national security. At the same time, boosting our control of the land, sea, rivers, air, and cyberspace, and ensuring that the gains we have achieved are irreversible.Diálogo: Does Plan Victoria provide for working with the security forces of other nations?Gen. Rodríguez Barragán: Not for stabilizing and consolidating Colombian territory, but it does provide for carrying out combined operations with the armed forces of neighboring partner nations in border areas where there is a glut of transnational crime. This plan includes sharing experiences and lessons learned with other partner nations in order to reinforce the military strategy being applied on that issue, which will enable us to make more meaningful gains.The support we are getting from U.S. Southern Command is noteworthy, as it has been fundamental in our fight against transnational crime, especially drug trafficking. First quarter results According to the results presented by the General Command of the Colombian Armed Forces, the actions taken under Plan Victoria in the first quarter of 2017 yielded the neutralization of 3,834 criminals. Also captured were 111 members of the ELN; 18 members of FARC; 436 members of armed organized-crime groups, such as the Gulf Clan, the Puntilleros, the Pelusos, and others; 193 drug traffickers; and 2,823 common criminals, for a total of 3,581 arrests. Thanks to the pressure being exerted by the troops, 141 members of FARC surrendered voluntarily, as did 66 members of ELN and 13 from other organized armed groups. Six hundred twenty nine handguns and rifles were seized, plus 74,000 cartridges of various calibers as well as 8.5 metric tons of explosives and almost $1.5 million in cash.In the fight against drug trafficking, 627 laboratories have been destroyed to date and seizures have been made of 32,546 kilos of cocaine, 10,402 kilos of marijuana, and 166,383 kilos of coca leaf, as well as 220 metric tons of solid supplies. In a historic offensive to prevent ecological and environmental damage from illegal mining, 84 operations were carried out this year, in which 252 people were arrested and 149 machines were seized. The General Command of the Colombian Armed Forces has held three of the 17 Support and Development Campaigns planned for this year, benefitting 31,225 people in the Departments of Caquetá, Amazonas, and Guajira.last_img read more

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