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Chalet Samöens / Joachim Fritschy

first_imgShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/920952/chalet-samoens-joachim-fritschy Clipboard Projects Houses Year:  France 2018 ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/920952/chalet-samoens-joachim-fritschy Clipboard ArchDaily Chalet Samöens / Joachim Fritschy Photographs:  Ramsus NorlanderSave this picture!© Ramsus NorlanderRecommended ProductsDoorspanoramah!®ah! PivotWoodGustafsWood Veneered Wall & Ceiling PanelsDoorsLonghiDoor – HeadlineDoorsVEKADoors – VEKAMOTION 82Text description provided by the architects. The question of adapting traditional mountain constructions to the wishes of owners who wish to rehabilitate them into holiday homes poses an often difficult equation between conservation and the modification of the use. The cottages were built in 1956, had characteristic interior typologies to the cottages of the Giffre Valley.Save this picture!© Ramsus NorlanderSave this picture!Chalet – Ground Floor PlanSave this picture!© Ramsus NorlanderThe day parts of the chalets were introverted, minimizing the relationship with the external panorama that surrounds them. The main cottage had already undergone several interior modifications which meant that it had to be completely redesigned.Save this picture!© Ramsus NorlanderSave this picture!Chalet – First Floor PlanSave this picture!© Ramsus NorlanderThe renovation project is based on the desire to rethink a typology oriented on the panorama. The structures of the buildings were preserved to the maximum. The conservation of the architectural heritage was the central issue of the project. Save this picture!© Ramsus NorlanderThe facades have been redesigned in order to resume an order according to the existing structure and the panorama. The main chalet organizes a kitchen and dining room – living room, dressing room, bathroom on the ground floor. Upstairs, the 3 new double rooms radiate around the staircase and the bathroom. Save this picture!© Ramsus NorlanderThe basement has been upgraded to accommodate a dormitory and technical parts. The secondary cottage organizes a kitchenette – living room and bathroom on the ground floor. Upstairs the new bedroom occupies the entire floor. Research into the uniformity of spaces by materials was a central issue of the project. The use of materials such as the 3-ply spruce panel for the ceiling, partitions, and floor make it possible to homogenize and unify.Save this picture!© Ramsus NorlanderProject gallerySee allShow lessOut/West: Houses by Patrick TigheArchitecture BooksJohn Ruskin and the Fabric of ArchitectureArchitecture Books Share Chalet Samöens / Joachim FritschySave this projectSaveChalet Samöens / Joachim FritschySave this picture!© Ramsus Norlander+ 27Curated by Paula Pintos Share Photographs “COPY” CopyHouses, Renovation•Samoëns, France Architects: Joachim Fritschy Year Completion year of this architecture project “COPY” CopyAbout this officeJoachim FritschyOfficeFollowProductWood#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentRenovationOn InstagramSamoënsFrancePublished on July 23, 2019Cite: “Chalet Samöens / Joachim Fritschy” 23 Jul 2019. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogFaucets / SinkshansgroheKitchen SinksGlass3MSun Control Window Film in MarkthalPartitionsSkyfoldIntegrating Operable Walls in a SpaceRetractable StructuresShadeFXRetractable Canopies in Beverly HillsPanels / Prefabricated AssembliesIsland Exterior FabricatorsSpecialty Facade SystemsWoodSculptformTimber Tongue and Groove CladdingSkylightsVELUX CommercialLonglight 5-30° – Modular SkylightsBars / Wire / MeshJakobWebnet – Sports NetSuspension SystemsMetawellAluminum Panels for Ceiling SailsMineral / Organic PaintsKEIMTiO2-free Mineral Paint – Soldalit®-ArteHanging LampsLuminisPendant Lights – HollowcoreHandicap BathroomAamsco Lighting, Inc.Mirror-Lux LED Illuminated MirrorMore 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 streamlast_img read more

Politicians and media urged not to try to exploit journalist’s murder

first_img Follow the news on Honduras News Receive email alerts Organisation 2011-2020: A study of journalist murders in Latin America confirms the importance of strengthening protection policies Help by sharing this information RSF’s 2020 Round-up: 50 journalists killed, two-thirds in countries “at peace” Reports News News to go furthercenter_img December 28, 2020 Find out more March 3, 2010 – Updated on January 20, 2016 Politicians and media urged not to try to exploit journalist’s murder RSF_en HondurasAmericas RSF begins research into mechanisms for protecting journalists in Latin America HondurasAmericas Reporters Without Borders offers its condolences to the colleagues and family of journalist Joseph Ochoa of the privately-owned Canal 51 TV station, who was shot dead in Tegucigalpa on the evening of 1 March in an attack probably targeted at fellow journalist Karol Cabrera of the state-owned Canal 8 TV station and the privately-owned radio station Radio Cadena Voces (RCV). Cabrera was shot and seriously injured but she is out of danger. The motive of the shooting has yet to be established but Cabrera is a very outspoken journalist who openly supported President Manuel Zelaya’s removal in a coup last June and is often involved in media controversies.The host of a discussion programme on RCV, Cabrera was being driven home and was connected with the station and talking on the air when gunmen on a motorcycle opened fire on her vehicle. RCV’s listeners were able hear her cries for help during the shooting. A total of 36 bullet impacts were found in her car. Her daughter, Katleen Nicole Rodríguez Cabrera, was killed in similar circumstances on the same road on 15 December.The shooting has highlighted the danger of violent crime to which the Honduran media and the population as a whole has long been exposed. Three journalists were killed in 2009. Reporters Without Borders hopes that investigators will quickly identify those responsible for this attack and bring them to justice.The press freedom organisation also cautions the authorities, the political class and the media themselves against trying to exploit this shooting for political ends. Porfirio Lobo Sosa’s installation as president on 27 January has not been followed by any improvement in the situation of press freedom or human rights.After the ransacking of community radio station Radio Coco Dulce, two young Globo TV journalists who worked at the president’s office before the coup were kidnapped and tortured in February. They fled to Nicaragua after being released.Four human rights activists and opponents of the post-coup regime have been murdered in targeted killings since the 29 November elections.Photo : Tiempo.hn May 13, 2021 Find out more April 27, 2021 Find out morelast_img read more

Aksana Panova

first_imgInformation hero Aksana Panova Aksana Panova has paid a high price for her determination to expose corruption and negligence among powerful local figures in the Yekaterinburg region in the Urals — she has been banned from doing her job until the end of 2015. The outspokenness of the Ura.ru website that she launched in 2006, and of which she was editor, rapidly gained it popularity. It covered a variety of topics – the poor condition of the roads, the fight against drug abuse, police corruption. But Panova has powerful enemies in the region, which is one of the country’s main industrial and oil centres. Ousted from Ura.ru, she set up Znak.com in 2012 and most of her editorial staff joined her there. However, she was hit by a flurry of lawsuits. As soon as one allegation collapsed, another arose. After a year-and-a-half of litigation, she was cleared in two cases and exempted from punishment in a third. However, a businessman brought a well-timed suit claiming damages that he had incurred five years earlier and succeeded in getting her convicted of extortion. She received a fine, a two-year suspended sentence and a ban on practising her profession for the same period. Help by sharing this informationlast_img read more

South Pasadena Crime Summary

first_imgPolice, Fire & The Courts South Pasadena Crime Summary Published on Wednesday, December 10, 2014 | 2:00 pm More Cool Stuff Make a comment Business News Your email address will not be published. Required fields are marked * Herbeauty9 Of The Best Metabolism-Boosting Foods For Weight LossHerbeautyHerbeautyHerbeauty6 Lies You Should Stop Telling Yourself Right NowHerbeautyHerbeautyHerbeauty10 Brutally Honest Reasons Why You’re Still SingleHerbeautyHerbeautyHerbeauty10 Sweet Things You Should Tell Your Boyfriend ASAPHerbeautyHerbeautyHerbeautyNutritional Strategies To Ease AnxietyHerbeautyHerbeautyHerbeautyThis Trend Looks Kind Of Cool!HerbeautyHerbeauty Subscribe 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 2 recommended0 commentsShareShareTweetSharePin it Community News Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy center_img Top of the News Community News December 3 – 9, 2014(Hundred block given in place of exact address)The Weekly Crime Summary is a list of reported auto thefts, burglaries, robberies and other activities occurring in the City of South Pasadena. An alert and well-informed citizen makes you less of a target to a criminal. Remember; call the South Pasadena Police Department to report any suspicious activity.AUTO BURGLARY11-30-14, 11 PM to 12-07-14, 10:21 AM, 1100 block of Pine. ’12, Toyota Sienna. Suspect(s) gains entry to victim’s vehicle by smashing the window and takes loss. LOSS: GPS.RESIDENTIAL BURGLARY• 12-8-14, 11:30 AM, 1300 block of Brunswick. Suspects gains entry through an open window. Neighbor sees suspects entering a waiting vehicle and leave. LOSS: TV, laptop computer, speakers and cash. SUSPECT VEHICLE: Black, 4-door, Nissan. SUSPECTS DESCRIPTION: S1 – Male, Hispanic, 20 years, 507, 175, dark hair, wearing a dark baseball cap with a red bill, a long sleeve gray t-shirt, blue baggy shorts, white tennis shoes, and white baseball gloves. S2 – Male, Hispanic, 20 years, 511, 160, dark hair, with long sideburns and beard, wearing a blue and white stripped pullover. S3 (driver) – Male, Hispanic, 20 years, slender build wearing a baseball cap.• 12-5-14, 4:18 PM, 600 block of Sterling. Suspect(s) smashes glass side door to gain entry then reach inside to open door. Once door is opened alarm activates and suspect(s) leave without taking any loss. LOSS: None.ROBBERY 12-8-14, 5:54 PM, 1200 block of Fair Oaks (Arco). Suspect enters store and purchases a beverage. As employee opens cash register, suspect places right hand into jacket pocket and simulates a gun. Suspect demands cash and cashier complies. Suspect then leaves. LOSS: Cash.SUSPECT VEHICLE: Silver colored, 4-door sedan. SUSPECT DESCRIPTION: Male, Hispanic, 20 years, 509, 170, wearing a black hat, black jacket and jeans, possibly armed with a pistol (not seen).ASSAULTS12-06-14, 2:10 PM, 1100 block of Fair Oaks (Grassroots). Suspect and victim get into an argument and suspect grabs victim by the throat and slaps victim. SUSPECT ARRESTED: Male, White, 67 years, Los Angeles.DRUNK IN PUBLIC12-7-14, 1:58 AM, 1100 block of Glendon Way. Officers respond to subjects arguing in the street. Officers locate suspect and victim arguing and suspect is found to be intoxicated and unable to care for herself. SUSPECT ARRESTED: Female, Hispanic, 44 years, Los Angeles.DUI• 12-7-14, 1:11 PM, 90 block of Pasadena. Suspect is involved in a traffic collision and found to be driving under the influence of alcohol. SUSPECT ARRESTED: Male, White, 42 years, Pasadena.• 12-5-14, 2:29 AM, Orange Grove/Columbia. Suspect is stopped for a traffic violation and found to be driving under the influence of alcohol. Suspect is also found to have a suspended driver’s license and an arrest warrant. SUSPECT ARRESTED: Male, Hispanic, 29 years, Azusa.REPOSSESS LAND AFTER LEGAL OUSTER12-4-14, 10:50 AM, 1800 block of Peterson. Suspect is evicted and later returns. Property owner comes to inspect property and sees suspect on property. Property owner declines prosecution on suspect.THEFT• 12-7-14, 10 AM to 12-9-14, 1 AM, 1400 block of Fremont. Suspect(s) takes loss from victim’s front lawn. LOSS: Lawn statue.• 12-4-14, 2 PM to 3 PM, 800 block of Orange Grove. Suspect(s) cuts lock securing loss to handrail and takes loss. LOSS: Bicycle.• 11-10-14, 4:40 AM to 12-4-14, 5 AM, 1600 block of Fremont. Suspect(s) enters victim’s unlocked vehicle and takes loss. LOSS: Notebook withmiscellaneous papers and cash.• 11-24-14 to 12-1-14, 700 block of Brent. Suspect(s) takes loss from victim’s motorcycle. LOSS: License plate.POSSESS, PASS FICTITIOUS CHECKS10-7-14, 1000 block of Fair Oaks. Suspect(s) makes a fictitious check using victim’s information and cashes check. DISTURBING THE PEACE• 12-4-14, 0745 AM, 80 block of Monterey. Victim and suspect are neighbors and suspect disturbs victim’s peace by pounding on victim’srear door.• 12-3-14, 7:20 PM, 80 block of Monterey. Victim and suspect are neighbors and suspect disturbs victim’s peace by stomping and banging on the floor.VANDALISM12-7-14, 6 PM to 12-8-14, 6 AM, 1400 block of Fremont (South Pasadena High School). Suspect(s) vandalize classroom doors by clogging door locks with glue.For graffiti removal, call the City of South Pasadena “Graffiti Removal Hotline” at 626-403-7249. This is a 24-hour a day recording. A written release is required prior to removal from private property.This is a publication of the South Pasadena Police Department’s Crime Prevention Unit 1422 Mission Street, South Pasadena, (626) 403-7270. First Heatwave Expected Next Week Name (required)  Mail (required) (not be published)  Website  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. Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDSlast_img read more

Taking the Pulse of the Mortgage Industry

first_img Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago 2019-12-13 Seth Welborn Taking the Pulse of the Mortgage Industry The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured, News, Print Features Previous: Investors Take Note: Residential Rental Spending Hit $4.5T Next: The Week Ahead: Economic Drivers in Housing Governmental Measures Target Expanded Access to Affordable Housing 2 days ago December 13, 2019 3,313 Views Related Articlescenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago  Print This Post The Week Ahead: Nearing the Forbearance Exit 2 days ago Home / Daily Dose / Taking the Pulse of the Mortgage Industry Data Provider Black Knight to Acquire Top of Mind 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. About Author: Seth Welborn 2019 was a year of change and challenges for servicers. The industry faced continued damage from natural disasters, the shifting needs of a changing mortgage customer base, and the ongoing challenges of innovating and achieving success in a low-volume environment.As we approach the end of 2019, DS News spoke to servicing industry leaders about what they learned this year, and what to expect going into 2020.What to Expect in 2020Mike Rawls, EVP of Servicing for Mr. Cooper, outlined three key factors to look at in 2020: continued pressure on costs, a focus on natural disasters, and—possibly surprising to some—a chance of rising delinquencies in the months to come, even after historically low delinquency rates nationwide.“One of the other major themes in 2019 has been the continuance of historically low delinquency rates across the nation,” said Caroline Reaves, CEO, Mortgage Contracting Services, who added that this trend “goes hand-in-hand with the strong economy and low unemployment rates we have also been seeing.”CoreLogic reported in November that the foreclosure inventory rate fell to 0.4% in June, which equals the lowest for any month since January 1999. The share of mortgages that were in any stage of delinquency was 4% in June—a decline from last year’s 4.3%.What might make delinquencies rise a long decline into historically low levels after the Great Recession? Rawls points to slowdowns in home prices across the country.In October, a Bankrate study noted that homebuyers were “sailing calm waters” with lower rates and slowing home price appreciation. Fannie Mae Chief Economist Doug Duncan observed that “at the beginning of 2019, rates started to come down, then we saw this big drop in rates. We didn’t expect such a significant drop-off—it was 30 points more than we forecasted.”“Home price appreciation has slowed across the country and we are starting to see early stage delinquencies rising from historic lows,” Rawls told DS News. “Staffing appropriately for outbound early stage collections and to assist customers in need will become more important in 2020.”Rawls also spotlighted the rising costs of servicing. DS News recently reported that Mid America Mortgage, Inc. severed ties with its subservicers in an effort to cut costs, opting instead to bring servicing in-house. This will mean utilizing new technologies to ease the transition, as Mid America noted that it had made investments to digitize its servicing division by encouraging paperless billing and electronic payments.Rawls echoes the importance of using innovation and leveraging new technology—not just to optimize costs, but also to better handle customer outreach.Rawls said, “In order to service effectively, servicers have to properly leverage their technologies—providing their customers with the ability to self-service 24/7 via multiple channels, including web, app, and IVR, and to conduct operations such as phone payments, payoff quotes, and escrow analysis without having to place a call to customer service, creating tasks for back-office personnel to execute.”Another concern for servicers? The increased threat of natural disasters. Though Rawls notes that “hurricanes did not cause as much damage as in the prior two years,” there was still significant damage from flooding and wildfires across the U.S. According to CoreLogic, 20 of the country’s metropolitan areas posted at least a small annual increase in overall delinquency, notably in areas impacted by flooding this spring in Kentucky, Ohio, Illinois and Indiana. CoreLogic data also revealed that there are 775,654 residential properties at extreme risk of wildfire damage in the 13 Western states, with a reconstruction cost value (RCV) of just over $221 billion in 2019.“With denser housing populations in areas prone to floods and other disasters, the need for servicers to be present for their customers in time of need is higher than ever,” Rawls continued. “The ability for impacted customers to route directly to empowered and educated customer service agents will differentiate servicers in their customer’s greatest time of need.”Disaster on the RadarThe U.S. has  experienced 36 major disasters so far in 2019, according to data from Fannie Mae, and for those homes in disaster-areas, preparation begins at the building process. Mike Hernandez, VP for Housing Access and Disaster Response & Rebuild at Fannie Mae, said in a Fannie Mae Q&A that “preparedness should include far more than financial steps and logistics.”A study by the National Bureau of Economic Research found that mortgages written on homes in these “exposed locations” are being shed by banks and absorbed by Fannie Mae and Freddie Mac.“This implies that homeowners and investors have been making location decisions without properly pricing the cost of potential peril, and that the government has been enabling the oversight,” the Harvard Business Review reported.Although this year’s hurricane impact was less than in some other recent years, wildfires stepped to the forefront as far as natural disaster risk in 2019. In California alone, ClosingCorp estimated that there is more than $7 billion in loan value and $60 million in service fees and transfer tax revenue at risk due to recent wildfires.Redfin previously reported that Los Angeles, Orange, and Santa Clara Counties were at risk of losing more than $2 trillion worth of housing as a result of the fires. Los Angeles County has 1.49 million households valued at $1.2 trillion, with an estimated median home value of $625,000. Orange County has a total housing value of $502.6 billion, with a median home value of $709,800.Going into 2020, Rawls suggests servicers need to “be proactive” with their customer outreach ahead of disasters. Technology again is key to this approach, as it can give customers 24/7 access to the information they need, when they need it.“Having smart systems that allow customers access 24/7 to update their status, report hardships, and provide emergency contact information helps servicers to quickly assist customers most impacted by disasters,” Rawls noted. “Additionally, the ability to harness satellite and drone technology to provide images can assist servicers in identifying the highest risk properties to prioritize outreach to those customers.”Molding the FutureLooking beyond 2020, servicers must learn how to adapt to the needs of younger generations, such as Gen Z. Like Millennials before them, Gen Z is increasingly reliant on technology and interconnectivity, but this doesn’t only mean through an app.“Millennials and Gen Z are more reliant on self-service and anytime, anywhere convenience, but when it comes to the largest purchase ever, we still believe that having a trusted advisor will play a key role in addressing their needs,” Rawls said.“We’re confident the combination of digital educational tools and empowered and educated mortgage professionals will be the winning combination for the next generation of homeowners,” he continued.Servicers need to be able to adapt to new technology, according to Armando Falcon, Founder and CEO of Falcon Capital Advisors and former head of the Office of Federal Housing Enterprise Oversight, the precursor to the FHFA. Even in a low-default environment, it’ll take advancements in tech to stay strong as these new generations enter the housing market.“It requires some resources, some capital, but if consumer preferences move in that direction and the originators also are moving in that direction, servicers have to follow along,” Falcon said. “They haven’t had to make any changes yet because there’s been no demand for it, but once that demand does exist, the servicers will be fast followers because they want to maintain a servicing portfolio. They’ve got to keep a growing customer base.”Part of the appeal of new technology is increased ease and accessibility, not just for the customer but for the servicer as well. Automation, according to Jane Mason, CEO of Clarifire, can cut down on busy work. Artificial intelligence, she said, can automatically complete the “review of documents and eliminate the manual labor,” getting customers the info they need, when they need it.Automation can also help identify risks in what Gagan Sharma, President and CEO of BSI Financial, calls a “needle in a haystack,” as it is normally a small percentage of loans that are at risk.“Most servicers are running at a level of quality where 98%, 99% of the loans are working just fine,” Sharma told DS News. “It is the last 1% of that causes issues. We have spent a lot of time, effort, and money on identifying those high-risk assets and then putting corrective measures in place.”The Economic Question MarkThe Federal Reserve slashed interest rates three times in 2019, dropping its benchmark lending rate in October by another quarter of a point.Doug Duncan said the Fed cited “implications of global developments” as rationale for the cut.Although the Fed has lowered rates to spur economic growth, Jarred Kessler, CEO of EasyKnock, said that plans doesn’t always work out.”Lowering rates doesn’t always have the economic impact we think, or expect it to have because it disrupts the natural economic ecosystem,” Kessler said. “Just look at Japan—it can drive housing growth and a push in the stock market, but other facets of the economy are bound to lose. In the longer term this along with inflation can have a very negative impact.”Kurt Johnson, Chief Credit Officer for Mr. Cooper, cited interest rate increases as a major lesson learned in 2019. The Fed was expected to continue raising interest rates at the end of 2018, but, as Johnson said, “Interest rates rarely follow their predicted path.”“As a mortgage originator and servicer, creating processes that scale up and down without the need to ramp up or down; and developing tools to help loan officers and customer service agents address customers’ needs is critical,” he continued.Though the possibility of a future recession remained a hot topic in 2019, Johnson doesn’t expect this to come to fruition in 2020, as several economic indicators point to growth. However, as his colleague Rawls noted, delinquencies are expected to increase in the coming year.“The average consumer is healthy and home equity has contributed greatly to that,” Johnson said. “Leading up to the great recession, the value of the U.S. housing market increased from 2001 to 2006 by almost 60%, from just over $15 trillion to just over $25 trillion. However, at the same time, mortgage debt almost doubled, from just over $5 trillion to just over $10 trillion. After bottoming out in 2011, the value of the housing market has again risen dramatically, from around $19 trillion to almost $31 trillion. However, mortgage debt has been relatively stable, rising from just over $10 trillion to $11 trillion today, creating household equity that is 30% higher than its past peak in 2006.”A consumer-led recession is unlikely, Johnson noted, as incomes have risen steadily through 2019, while unemployment has stayed historically low. This was offset, he noted, by slow home price appreciation.“This should increase delinquency rates, particularly with low-down-payment, first-time homebuyers in FHA products—an historically more labor-intensive product to service,” Johnson said. “Having experience dealing with distressed customers and having robust loss mitigation technology, allowing a servicer to scale up quickly for rising delinquencies, will be a differentiator in the coming 12 to 24 months.”Though his outlook does not include a recession in the near future, Johnson notes that now is the time to prepare. For Johnson, this means utilizing technology during times of health and stability—so you are better prepared when significant change comes down the pike.“The industry was caught flat-footed in 2008 when increases in delinquencies outpaced staffing adds,” Johnson said. “Effectively leveraging technology can help solve some of those issues by quickly scaling and improving the customer experience.” Demand Propels Home Prices Upward 2 days ago Subscribelast_img read more

Fine Gael in Donegal tight lipped on Enda Kenny’s future

first_img LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Fine Gael in Donegal tight lipped on Enda Kenny’s future RELATED ARTICLESMORE FROM AUTHOR Facebook Google+ Previous articleSenior garda concerned at level of Donegal road fatalitiesNext articleGAA – Donegal Senior Championship Draw News Highland A member of the Fine Gael frontbench has called on the party’s Deputy leader Richard Bruton to pull back from the brink of a challenge to Enda Kenny’s leadership.It’s reported today that he told Mr Kenny at the weekend that he no longer had confidence in him in the position.James Reilly said he’s very worried the heave will damage the party, and he hopes it will be resolved before going ‘the whole way’.However the party’s health spokesperson also believes if there is a leadership battle – Enda Kenny will come out on top.Deputy Reilly says now is not the time to be fighting internal disputes:Deputy Joe McHugh says he beleives that the situation can be resolved ‘in house’ and has not expressed his opinion on who should be the leader of Fine Gael.He has also confirmed he is meeting party members across the county today to gauge their opinions on the issue.Meanwhile during a visit to Donegal in Febuary of this year Enda Kenny reaction to the publication of a poll which again showed confidence in him was falling.At the time he said the party was united behind him and that he would lead Fine Gael into the next general election. Calls for maternity restrictions to be lifted at LUH Almost 10,000 appointments cancelled in Saolta Hospital Group this week Twitter Twitter Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margey center_img Pinterest Google+ By News Highland – June 14, 2010 WhatsApp WhatsApp Guidelines for reopening of hospitality sector published Pinterest Facebook Newsx Adverts Need for issues with Mica redress scheme to be addressed raised in Seanad alsolast_img read more

PIL In Supreme Court Challenges Centre’s Overriding Power Over Deputation/Transfers Of IPS Officers

first_imgTop StoriesPIL In Supreme Court Challenges Centre’s Overriding Power Over Deputation/Transfers Of IPS Officers LIVELAW NEWS NETWORK31 Jan 2021 5:25 AMShare This – xThe Supreme Court has been moved in a PIL challenging the constitutionality of Rule 6(1) of the Indian Police Service ( Cadre) Rules, 1954 for conferring powers on the Central government to override the states in matters of transfer and deputation of IPS cadre officers.Rule 6 (1 ) was introduced in the principal Act, viz. – “6. Deputation of Cadre Officers: 6(1 ) A cadre Officer may,…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 Supreme Court has been moved in a PIL challenging the constitutionality of Rule 6(1) of the Indian Police Service ( Cadre) Rules, 1954 for conferring powers on the Central government to override the states in matters of transfer and deputation of IPS cadre officers.Rule 6 (1 ) was introduced in the principal Act, viz. – “6. Deputation of Cadre Officers: 6(1 ) A cadre Officer may, with the concurrence of the state government or the state governments concerned and the Central Government, be deputed for service under the Central Government or another State Government or under a company, association or body of individuals, whether incorporated or not which is wholly or substantially owned or controlled by the Central Government or by another State Government. Provided that in case of any disagreement, the matter shall be decided by the Central Government and the State Government or State Governments concerned shall give effect to the decision of the Central Government…………….””Such being the prevalent situation in the country, there have been several face offs between Centre and the State which ultimately threatened the federal structure of our Constitution”, it is urged by West Bengal based Supreme Court lawyer, Abu Sohel, petitioner-in-person.It is advanced that the impugned Rule creates unjustifiable and illegal deviation from the intent of the Constitution makers to create harmony between the Centre and States and to boost up the essence of Centre-State relations which is a paramount requirement in order to create a welfare state.”That in 2001, the infamous and ugly spat took place between the Centre and the Government of Tamil Nadu when the Centre decided to call back three IPS officers from state of Tamil Nadu”, it is pointed out.It is pressed that there are examples of many more such conflicts, most recent of the calling back of three IPS officers from the State of West Bengal “with utmost political vendetta against the interest of State and State machineries”.Further, it has been pressed that there is a dichotomy between Rule 5(1) and Rule 6(1). Rule 5(1) requires allocation of officers to the various cadres to be made by the Central Government in consultation with the State Government or concerned by concurrence.However, as per Rule 6 (1), in case of any disagreement in the matter. the issue shall come to be decided by the Central government and the State government is bound to give effect to the decision of the Central Government, it is submitted. Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Storylast_img read more

Is it right that 21% of tenants must hide pets from agents and landlords asks Kate Faulkner

first_imgHome » News » Housing Market » Is it right that 21% of tenants must hide pets from agents and landlords asks Kate Faulkner previous nextHousing MarketIs it right that 21% of tenants must hide pets from agents and landlords asks Kate FaulknerResearch published by Spareroom-backed campaign reveals how even Instagram celebrities struggle to find pet-friendly accommodation.Nigel Lewis28th November 201801,061 Views Rentals website Spareroom.com has launched a campaign to persuade letting agents and landlords to allow more tenants to live with their pets, backed by housing expert Kate Faulkner and TV vet Dr Bob (both pictured, above), homeless charity Crisis and the RSPCA.Research conducted on behalf of the campaign within the private rental market among 4,500 tenants and landlords found a bleak landscape for pet owners.This includes nearly 80% of pet-owning tenants struggling to find accommodation, two thirds of landlords refusing pets in their rental properties and 21% of tenants keeping a pet without their landlord’s knowledge.The 3,200 pet owners interviewed by SpareRoom include Jason Ashley, the owner of canine social media star Ramsey the Blue Staffy (left), who said he viewed 30 properties in Surrey before finding a pet-friendly landlord.Jason also reveals that he had to lie about the breed of his dog, despite @bluestaffy having 228,000 followers on Instagram.Perils of smellOf the 1,261 landlords interviewed, the key reasons why they dislike pets included smell, damage to the property, untrained pets, complaints from neighbours and noise.“I think landlords are quite cautious people,” says Kate Faulkner. “If you’ve got ten people chasing to rent your property, why would you risk taking someone with a pet?”.SpareRoom and its experts suggest several solutions including specialist pet rental insurance taken out by tenants, a standard £50-a-month rent surcharge for renting with a pe and higher deposits for tenants.“A £50 a month increase in rent to reflect the presence of a dog is a relatively small price compared to the other costs associated with dog ownership,” says Dr Bob. “It may also help encourage potential pet owners to stop and think before buying a pet, reviewing all of the other responsibilities that come with that decision.”  Ramsey the Blue Staffy RSPCA kate faulkner Crisis Dr Bob November 28, 2018Nigel LewisWhat’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 2021last_img read more

Vendor and estate agent ‘pairing’ platform picks up £600,000

first_imgHome » News » Vendor and estate agent ‘pairing’ platform picks up £600,000 previous nextProptechVendor and estate agent ‘pairing’ platform picks up £600,000Three investors have poured new seed funding into the company which claims to have helped sell properties worth £60 million.Nigel Lewis18th August 20200872 Views A two-year-old proptech platform that helps vendors and property developers identify the ideal estate agent to sell their property has raised a further £600,000 in funding from three new investors, taking its total raise to £1.1 million.Many of its backers both in this most recent round of funding and its previous one last year have connections to big players in the world of digital property technology.Its original seed investors included William Reeve, who is CEO of Goodlord, and Doug Munroe, who until recently was COO of Zoopla.The latest round of funding comes from Simon Franks who with Zoopla’s former CEO Alex Chesterman helped found LoveFilm.com, plus existing backers Paul Forster and VC firm Hambro Perks.Movewise inserts itself between vendors and estate agents and takes a 0.25% fee for managing the sale, which is then added to the 1% charged by the agent involved.ProptechThe company says its technology can speed up the home-selling process by several months and results in a 3% higher price on the sale.Tom Scarborough, CEO (pictured, above), says: “Selling the most valuable asset you’ve ever owned shouldn’t be left to luck. Movewise is here to professionalise property sales for everyone”.Nick Sharp, manager of the Hambro Perks Growth EIS Fund, says: “They provide a core service that is a superior way to sell a property for everyone, and a scalable market position that can digitise property sales with any estate agent in the UK. This is a very exciting solution to a legacy industry.”Movewise employs two former estate agents – Kirsty Burnham, who for 20 years worked at a senior level within Douglas & Gordon and Jack Smith, a former Connells sales negotiator.movewise Doug Munroe LoveFilm tom scarborough goodlord Alex Chesterman William Reeve Zoopla August 18, 2020Nigel LewisWhat’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 Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021last_img read more

Aung San Suu Kyi finally released

first_imgPro-democracy leader Aung San Suu Kyi has been released from house arrest by the Burmese military authorities. The alumnus and Honorary Fellow of St Hugh’s College has been detained for 15 of the last 21 years by the regime.Crowds of people waited for over 24 hours outside her home to catch a glimpse of “the lady”, described by President Obama as “a personal hero of mine”. A Nobel Peace Prize winner, Aung San Suu Kyi’s first order of business was a meeting with an invited corps of diplomats, including representatives from Britain.Her release came less than a week after the political party the Union Solidarity and Development Party, backed by Burma’s military, won the country’s first democratic election in 20 years.last_img read more