Please enter your name here Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 You have entered an incorrect email address! Please enter your email address here Please enter your comment! Charles Towne is first and foremost a Christian. An octogenarian, author, journalist, wildlife photographer, naturalist, caregiver, and survivor, his life has been and continues to be, a never-ending adventure filled with possibilities never imagined. He has adapted the philosophy that to Live fully, laugh uproariously, love passionately, and learn like there is no tomorrow, is a formula for a long and joy filled life. TAGSCharles TowneInspiration Previous articleBe on the alert for potential gmail scamNext articleRecovering the lost art of encouragement Denise Connell RELATED ARTICLESMORE FROM AUTHOR The Anatomy of Fear LEAVE A REPLY Cancel reply Support conservation and fish with NEW Florida specialty license plate Share on Facebook Tweet on Twitter “POP!”InspirationBy Charles Towne“What in the world are you doing?”No sooner did I hear those words then mama grabbed me by an ear and I was led/dragged to the house where I received an almost lethal bath.You might very well wonder just what might precipitate such a drastic reaction from my dear, sweet mama, so I will tell you. She discovered me out behind the barn where I was studiously picking maggots off a deceased, very dead, sun-ripened, putrid, exceedingly odoriferous fowl of the chicken kind, and popping said maggots between my little boy fingers.I want you to know that I have never met a critter of any sort, large or small, that I couldn’t learn from, and what I learned that day was that if a maggot is held between the thumb and forefinger and just the right amount of pressure is applied, said maggot will explode with a tiny, “POP!” (Try it some time but not when your mama is around.)I suppose, all things being equal, that the tiny “pop!” is a lot louder to the maggot, but then, I don’t know if maggots have ears?It really is quite remarkable that Papa God, having caught us playing with some pretty nasty things in our lives, (you know what I am talking about so don’t try to deny it!) Yes, not only did He catch us, but then He promised to wash us clean, and on top of that he loves us with an undying and endless love! Come to think about it, I don’t really suppose we can blame Him for asking, “And just what in the world are you doing now?” Save my name, email, and website in this browser for the next time I comment.
“COPY” Projects Shadow Mountain House / Rowland+Broughton ArchitectureSave this projectSaveShadow Mountain House / Rowland+Broughton Architecture United States Manufacturers: Sherwin-Williams, Toto, Area Rug Jaipur, Bench Leather Edelman Leather, Black Hound Design Company, Blackhound Design Company, CPA, Decorative Materials, Dominique Kieffer, Door Hardware Ashley Norton, Drapery Fabric Architex, Duravit, Floors Caesar Ceramics, Headboard Fabric Zoffany, Pillow Fabric Nobilis, RAGS, Seat Cushion Fabric DesignTex, Table Lamp Ylighting, Tatterdemalion, Walk-Off Mat Sunbrella Flooring, +1Woden Woods-1 Architects: Rowland+Broughton Architecture Area Area of this architecture project Year: CopyHouses•Aspen, United States 2020 ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/955769/shadow-mountain-house-rowland-plus-broughton-architecture Clipboard Wave Engineering ArchDaily Save this picture!© Brent Moss+ 27Curated by Paula Pintos Share “COPY” MEP Engineer: Photographs BGBuildingWorks ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/955769/shadow-mountain-house-rowland-plus-broughton-architecture Clipboard Acoustical Consultant: Shadow Mountain House / Rowland+Broughton Architecture Photographs: Brent Moss Manufacturers Brands with products used in this architecture project Principal:Sarah BroughtonProject Architect:Amanda Christianson, Delvon NemechekInterior Designer:Lindsay Bench, Catie KeelLead Designer:Eugenie ProvostBuilding Envelope Consultant:BC&ECity:AspenCountry:United StatesMore SpecsLess SpecsSave this picture!© Brent MossRecommended ProductsEnclosures / Double Skin FacadesAlucoilStructural Honeycomb Panels – LarcoreEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsDoorspanoramah!®ah! PivotEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsText description provided by the architects. A challenging lot size and the clients’ goal of capturing distinctive views of towering treetops and distant mountainsides drove the vertical architecture of this delightful family home, set at the edge of downtown Aspen. Within 4,672 square feet of space on three levels, the main living areas are placed on the upper level and rooftop, and the bedrooms on the lower levels. A “form follows function” party was created to incorporate large aperture-style picture windows aimed directly at primary views. Another opening provides expansive Shadow Mountain views and also provides for seamless indoor-outdoor entertainment opportunities in the privacy of the backyard.Save this picture!© Brent MossSave this picture!Site planSave this picture!© Brent MossChampagne colored standing seam metal siding was used as the building’s skin for its ability to be applied on both vertical and horizontal surfaces. Stucco was used on the exterior of the main level as a subdued, monolithic base that recedes from the expressive upper level. Ensuring that the views were the primary focal points from the interior of the home was a singular challenge. In a compressed footprint, essential programmatic elements vie for attention compositionally. Glass guardrails for interior stairways were chosen to allow for more natural light to filter uninhibited through the home and for the transparency they provided. Skylights were installed to draw light in from above. Another design challenge was the detailing required for the unique angles driven by the aperture windows. Rainscreen cladding techniques and internal gutters were employed so that the standing seam metal siding was used consistently around the openings.Save this picture!© Brent MossSave this picture!Floor planSave this picture!© Brent MossAdditional design decisions encouraged views as well. Driven by the clients’ love of bold colors, our design team focused on a lively, distinctive, analogous color pattern. Set against a background of neutral plaster, white oak, and minimal detailing, we designated purple for the lower level, blue for the main floor, and green for the upper level in order to pull the rich greens of the surrounding forested views inside. The clients’ collection of contemporary artwork was purposefully placed in areas that would add to the overall aesthetic of the room without distracting attention from the view.Save this picture!© Brent MossAs our focus turned to furnishings, comfort, color, and contrast all played a role. Encouraged by the clients’ “go for it” attitude, we mixed bespoke pieces, such as a Lais chandelier discovered at Salone del Mobile set over a custom live-edge wood dining table, with “off the shelf” items, such as lounge chairs from Flexform and side tables by Made Goods. The master bed headboard and soft goods were custom-designed, as were bunk beds in a guest room. The end result is a colorful, casual, comfortable home that more than exceeds the clients’ expectations and fits their lifestyle perfectly.Save this picture!© Brent MossProject gallerySee allShow lessFlash Battery Headquarters / Studio BocchiSelected ProjectsMi Cielo Lodge / Raúl Galindo + Patricio GalindoSelected Projects Share Area: 4672 ft² Year Completion year of this architecture project Houses CopyAbout this officeRowland+Broughton ArchitectureOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesAspenOn FacebookUnited StatesPublished on January 27, 2021Cite: “Shadow Mountain House / Rowland+Broughton Architecture” 27 Jan 2021. ArchDaily. Accessed 10 Jun 2021.
“FRSB complaints data are no reason for complacency” says consultant Howard Lake | 25 June 2012 | News Writing in the July edition of his monthly newsletter ‘Harvest’, marketing consultant Andrew Papworth criticises the Fundraising Standards Board’s latest annual complaints report because of “its fixation with the idea that almost 15,000 complaints is tiny in the context of the total fundraising activities by charities”.He argues that “Apart from the fact that there is serious doubt about how many public complaints get reported to the FRSB, this is more than twice the number of complaints the Press Complaints Commission receives in a year.” He adds that “the tone of the report smacks somewhat of smugness”, citing the comment by the Chief Executive Alistair McLean that “complaints as a proportion of volume for these three areas (i.e. addressed direct mail telephone and door-to-door fundraising) remain reassuringly low”.Challenging the figures and calculationsPapworth challenges the FRSB’s figures and conclusions on two grounds. First, given that “67% of FRSB member charities did not report any complaints at all”, he suggests that “it is simply not credible that two-thirds the charities belonging to FRSB had not a single complaint in the year”.Secondly he argues that the FRSB’s attempts to calculate the number of complaints against the number of ‘solicitations’ is ‘specious’ because it is “attempting the impossible”. He writes: “The natures of “solicitations” v ia direct mailshots, telephone calls, posters, TV ads, newspaper ads, magazine ads, chugging encounters and clothing collections are so different as to render any comparisons utterly invalid”.He proposes that “what would be needed would be some way of calculating the proportion of complaints as a percentage of all exposures – i.e. mailshots opened and read, posters looked at, etc.” But he accepts that this is impractical.As well as the difficulty of establishing adequate benchmarks for what constitutes an exposure to a fundraising appeal, Papworth suggests that the trends are difficult to interpret because of the growth in the membership of the FRSB and the fluctuations in the volume of fundraising activity across different channels and media.His article “I have a complaint to make…” concludes by recommending that the FRSB focus on the upwards trajectory of the complaints figures. His newsletter opens with a reference to a Matt newspaper cartoon which features a man and woman leaving a hospital’s accident and emergency department, with the main saying: “Thank goodness I was run over, otherwise I’d never have got rid of that chugger”. Papworth comments: “The sector needs to worry when Matt turns his attention to its shortcomings on the Telegraph’s front page”.www.andrewpapworth.co.uk About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. 26 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Advertisement Tagged with: Fundraising Standards Board Individual giving Research / statistics AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis
Share Save Tagged with: Earnings Nationstar Mortgage Profits Subscribe February 25, 2016 1,112 Views Home / Daily Dose / Servicing Growth Drives Nationstar’s Q4 Rise in Earnings Demand Propels Home Prices Upward 2 days ago Nationstar Mortgage Holdings Inc., reported that its fourth quarter 2015 earnings reached $34 million, or 32 cents per share, according to company’s earning statement released Thursday. The company’s GAAP net income totaled $79 million, or 73 cents per share.“Our Servicing segment continued to generate solid cash flows with sequential improvement in profitability to exit the year above our target of five basis points. In addition, our Originations segment had a strong fourth quarter, posting its best annual performance since 2012 and continues to provide a cost effective source of new servicing assets,” said Jay Bray, CEO at Nationstar.The servicing sector at Nationstar earned $51 million of adjusted pretax income, or 5.1 bps based upon average UPB, for the quarter. “Adjusted pretax income improved for the fourth straight quarter as we reduced delinquency rates and implemented technology and process initiatives to drive improved profitability,” the statement said.Year-end 2015 servicing profits reached $117 million, down significantly from 2014’s total of $213 million, which Nationstar says was driven down by higher amortization.The company reported that $91 billion of servicing assets were boarded as a result of acquisitions and origination activities, up 56 percent year-over-year. For 2016, Nationstar said, “before consideration of potential MSR acquisitions, we expect the current servicing portfolio to grow modestly, with limited utilization of capital, given the recent subservicing win, expected origination activity and current CPR rates. Our servicing segment is focused on achieving high quality earnings that exceed 5 bps through the delivery of services that exceed the expectations of both customers and regulators.”On the originations side, adjusted pretax income totaled $43 million in the fourth quarter, marking the 8th consecutive quarter of pretax income above $40 million. Last quarter, origination profits reached $50 million. Year-end 2015 originations income totaled $210 million, up from $206 million in 2014.”The originations platform continues to replenish the MSR portfolio at attractive rates of return. As expected, adjusted pretax income decreased sequentially principally due to the industry-wide implementation of TRID and general seasonality in the fourth quarter,” the statement said. “Key initiatives for 2016 include increasing customer recapture by focusing on multiple segments within the servicing portfolio, expanding our FHA/VA streamline capabilities and reducing operating expenses.”The Xome segment of the company delivered $6 million in pretax income in the fourth quarter, but earnings were down “due to an increase in technology and marketing investments, higher title expenses due to TRID delays and increased title orders, and a reduction in property sales attributable to seasonality and pipeline delays that are in the process of being addressed.”Third party revenues rose to 37 percent of total revenues, as Xome continues to focus on diversifying its revenue streams and client base. Xome’s total revenues increased 43 percent year-over-year mostly due to higher sales price execution on property sales and growth in our title and close business.Nationstar expects Xome to continue to “transform the residential real estate transaction experience for consumers and real estate professionals. Key strategies for 2016 include improving core operations, continuing to grow third party clients and making measured investments in new products and technologies that will serve the needs of clients and target customers.”“Looking forward, we remain focused on taking steps that improve customer experience and drive customer retention while delivering greater value for our shareholders. We enter 2016 well positioned from a strategic, operational and capital perspective,” Bray stated.Click here to see the full earnings statement. Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Earnings Nationstar Mortgage Profits 2016-02-25 Brian Honea The Best Markets For Residential Property Investors 2 days ago Related Articles The Week Ahead: Nearing the Forbearance Exit 2 days ago About Author: Xhevrije West Previous: Treasury: Recap and Release Not Happening Next: DS News Webcast: Friday 2/26/2016 Servicing Growth Drives Nationstar’s Q4 Rise in Earnings Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago Xhevrije West is a talented writer and editor based in Dallas, Texas. She has worked for a number of publications including The Syracuse New Times, Dallas Flow Magazine, and Bellwethr Magazine. She completed her Bachelors at Alcorn State University and went on to complete her Masters at Syracuse University. Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, News Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily
Google+ Man arrested on suspicion of drugs and criminal property offences in Derry Facebook Pinterest 365 additional cases of Covid-19 in Republic Google+ Pinterest WhatsApp WhatsApp Gardai seeking designation of more GoSafe zones in Donegal RELATED ARTICLESMORE FROM AUTHOR News Facebook Twitter Further drop in people receiving PUP in Donegal Previous articlePSNI confirm a second person is missing after woman’s body is recovered from FoyleNext articleThree men appear at Derry Magistrates Court News Highland Twitter Main Evening News, Sport and Obituaries Tuesday May 25th The Garda Traffic Corps in Donegal says it will be seeking to have more areas included in the list of black spots monitored under the GoSafe camera scheme.This week four new Donegal zones were added to the list, they are Cappry, Keeldrum Upper, Kilmacrennan and Trentaboy.Speaking to Greg Hughes on today’s Shaun Doherty Show, Inspector Michael Harrision confirmed he will be seeking to have more zones…………[podcast]http://www.highlandradio.com/wp-content/uploads/2013/03/mharris1.mp3[/podcast] Gardai continue to investigate Kilmacrennan fire 75 positive cases of Covid confirmed in North By News Highland – March 15, 2013
Millimeter-sized plastics are abundant in most marine surface waters, and known to carry fouling organisms that potentially play key roles in the fate and ecological impacts of plastic pollution. In this study we used scanning electron microscopy to characterize biodiversity of organisms on the surface of 68 small floating plastics (length range = 1.7–24.3 mm, median = 3.2 mm) from Australia-wide coastal and oceanic, tropical to temperate sample collections. Diatoms were the most diverse group of plastic colonizers, represented by 14 genera. We also recorded ‘epiplastic’ coccolithophores (7 genera), bryozoans, barnacles (Lepas spp.), a dinoflagellate (Ceratium), an isopod (Asellota), a marine worm, marine insect eggs (Halobates sp.), as well as rounded, elongated, and spiral cells putatively identified as bacteria, cyanobacteria, and fungi. Furthermore, we observed a variety of plastic surface microtextures, including pits and grooves conforming to the shape of microorganisms, suggesting that biota may play an important role in plastic degradation. This study highlights how anthropogenic millimeter-sized polymers have created a new pelagic habitat for microorganisms and invertebrates. The ecological ramifications of this phenomenon for marine organism dispersal, ocean productivity, and biotransfer of plastic-associated pollutants, remains to be elucidated.
Home » Guest Blogs » Talk of a Spring house price correction is hogwash. Here’s why Talk of a Spring house price correction is hogwash. Here’s whyRenowned North London estate agent Trevor Abrahmsohn explains why the fundamentals of the housing market remain in place despite the current Covid disruption.Trevor Abrahmsohn2nd November 20201 Comment3,721 Views Experts say prices in the residential property market will undergo a significant house price correction of up to 14% in the Spring.Is this prescient foresight or doom ‘n’ gloom prognostication? Let’s look at the economics.One side-effect of all this Covid chaos is the chasm between residential property consumers and the parlous state of the economy.The UK has suffered a calamitous drop in growth and is trying to wheeze its way up a steep curve.Like the embarrassing drunk at the party, unemployment has arrived and has doubled in four months.Rishi’s budget deficit for this year is a large helping of catastrophe, garnished with fiscal disaster. It will take around 30 years to digest and the consumer will have to lie down to recover. But there’s more.National debutThe national debt is currently £78,000 for every person in the UK, so ‘it’s time to grab the smelling salts because we’ve reached the point where national debt is the equivalent to GDP.But let’s look instead at the few reasons to be optimistic. At least mortgage interest rates are at a 300-year low, and buyers in all house price ranges have been on the starting blocks since the lockdown period eased in June of this year.With most of the country stuck at home now, the only holiday being taken at the moment is by Stamp Duty which is temporarily withheld [for homes] under £500,000 until 31 March 2021.It doesn’t take a biblical prophet to realise that this sector of the market will flourish, until it doesn’t.I should add that our sales of dwellings between £1 million and £3 million are doing quite nicely right now, to the point that demand is exceeding supply.Overall, buyers who enjoy secure employment who need to move on will do so regardless.The rise of Stamp Duty rates post-Spring 2021 may curtail certain purchasers, but this will be mitigated by the government’s Help-to-Buy and assisted 95% mortgages.The mortgage process has been mired in apathy, particularly where loan-to-value ratios are greater than 60%. These are taking an age to process and it is valuers who are the stumbling block.They are instructed to discount their appraisals by at least 20%, since they’re terrified about claims on their professional indemnity policies.Teeth gnashingThere is not much buyers can do apart from gnash their teeth and wail, as these factors impede the forward direction of the market.But other than that, I’m struggling to see the logic behind the prediction of a cataclysmic drop in residential values next year – which I think are hogwash.Boris’s comfortable majority may endure for the next decade. The combination of a stable political backdrop and soon to be announced freshly-minted Brexit trade agreement, means that the property market should keep going, with nothing that we can anticipate to ‘spook the horses’.The English Lion has become a mangy, flea-ridden old moggy. We shuffle around in a fug of anxiety, terrified of whichever bogeyman is media flavour of the moment, wetting ourselves about things that haven’t occurred. And guess what? They probably never will.Trevor Abrahmsohn is the founder of Glentree Estates in London.Watch his being interviewed by Chris Watkins.Read more guests posts by Trevor.Chancellor Rishi Sunak house prices Trevor Abrahmsohn 2020-11-02Nigel LewisOne commentJulian Blackmore, BNE BNE 2nd November 2020 at 10:22 amThe only thing that is hogwash is this article. If only the economy were that simple; for starters there has never been an instance where unemployment has risen and house prices rose; it’s like lighting an unknown length fuse. Then we have brexit uncertainty. The housing market buoyancy is fake, it’s a “house of cards”.Log in to ReplyWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed. Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021
View post tag: Antarctica I Back to overview,Home naval-today Construction starts on Chilean Navy’s Antarctic icebreaking vessel Chilean state-owned shipbuilder ASMAR has officially started construction on the new Antarctic icebreaking vessel for the Chilean Navy.The steel-cutting ceremony took place on August 16 and was attended by shipyard and navy officials.Dubbed Project “Antarctica I”, the new Polar-class vessel will replace the icebreaker Contraalmirante Oscar Viel Toro which is nearing the end of its useful service life.Antarctica I is scheduled to be delivered in 2021 and a maiden voyage to Antarctic Polar Circle is expected to take place in 2023.Once built, the 111-meter vessel will undertake roles that include logistic support, search and rescue (SAR) and scientific research south from the Antarctic Polar Circle. The operation period shall be at least eight months per year in the vicinity of Alejandro I Island.The vessel will be capable of operating in icy waters, navigating continuously at a constant speed of 3 knots over a 500 kPa flexural strength ice of 1-meter thickness and covered with a 20-centimeter layer of snow. View post tag: Chilean Navy Construction starts on Chilean Navy’s Antarctic icebreaking vessel View post tag: ASMAR August 27, 2018 Authorities Share this article
The Real Good Food Company announced at its annual general meeting last week, that it has had an “encouraging start to the year”.However, for the first four months of 2007, year-on-year sales for its bakery ingredients division, Renshaw, were down. This was “principally due to the discontinued nut sales made in early 2006,” said chairman Pieter Totte, “but it was also due to a slow start to the year with our bakery customers.”Renshaw continues to manufacture marzipans, ready-to-roll icings, baking chocolate and jam.The Hayden’s Bakeries division, makers of chilled and ambient dessert products, on the other hand, has made a “steady start” to the year with sales ahead of last year, in line with expectations.Napier Brown Foods, the company’s sugar division, has seen volume ahead of last year, “reflecting wins in retail and industrial sectors, but margins slightly down,” added Totte.