The State Pension age is set to rise again! Here’s how I’d protect myself

first_img Rupert Hargreaves | Saturday, 10th October, 2020 Our 6 ‘Best Buys Now’ Shares 5 Stocks For Trying To Build Wealth After 50 Rupert Hargreaves owns no share mentioned. The Motley Fool UK has recommended GlaxoSmithKline. 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. Image source: Getty Images Markets around the world are reeling from the coronavirus pandemic…And with so many great companies trading at what look to be ‘discount-bin’ prices, now could be the time for savvy investors to snap up some potential bargains.But whether you’re a newbie investor or a seasoned pro, deciding which stocks to add to your shopping list can be daunting prospect during such unprecedented times.Fortunately, The Motley Fool is here to help: our UK Chief Investment Officer and his analyst team have short-listed five companies that they believe STILL boast significant long-term growth prospects despite the global lock-down…You see, here at The Motley Fool we don’t believe “over-trading” is the right path to financial freedom in retirement; instead, we advocate buying and holding (for AT LEAST three to five years) 15 or more quality companies, with shareholder-focused management teams at the helm.That’s why we’re sharing the names of all five of these companies in a special investing report that you can download today for FREE. If you’re 50 or over, we believe these stocks could be a great fit for any well-diversified portfolio, and that you can consider building a position in all five right away. 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. See all posts by Rupert Hargreavescenter_img The State Pension age is set to rise again! Here’s how I’d protect myself Click here to claim your free copy of this special investing report now! Simply click below to discover how you can take advantage of this. Last week, the age at which most people start to receive their State Pension officially hit 66. This was just the latest in a string of significant changes to the State Pension that have been introduced in recent years. It’s not going to be the last. The new change means that men and women born between 6 October 1954, and 5 April 1960, will start receiving their State Pension on their 66th birthday. 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…For those born after these dates, there’ll be a phased increase in the pension age to 67. A further hike in the pension age to 68 is also planned. These changes might be painful for some future retirees. Unfortunately, as the UK population gets older, they seem to be necessary. It’s also likely there’ll be further changes to the pension system in the years ahead. The best way to protect yourself from these changes is to set up a personal pension. That’s the approach I’m using to make sure I have enough money to retire at a date that suits me, not the government. State Pension protectionI’m planning to buy a selection of high-quality blue-chip stocks in a Self-Invested Personal Pension (SIPP) to protect myself from further State Pension changes. SIPPs are a great way to save the future. Any contributions attract tax relief at your marginal tax rate, that’s 20% for basic taxpayers. On top of this, any income or capital gains earned on assets held inside these wrappers are not taxed. This makes them extremely tax-efficient instruments. They’re also straightforward to open and operate. Most online stockbrokers now offer SIPP products, and they’re managed in the same way as an online stockbroking account. The provider takes care of all the backend work for investors. According to my figures, it’s relatively straightforward to build a large financial nest egg using a SIPP wrapper. Over the past three decades, a portfolio of blue-chip stocks has produced an average annual return for investors of 8%. At this rate of return, a monthly investment of £300, or £240 before tax relief of 20%, could grow to be worth £450k after 30 years. This would be enough to provide an annual income of more than £11k in retirement. Blue-chip diversificationI’m sticking with high-quality blue-chip stocks to provide this return. Companies with strong balance sheets, diversified operations and track records of returning cash to investors with dividends, are on my radar. Some examples include GlaxoSmithKline, AstraZeneca, and Reckitt Benckiser. By building a diversified portfolio of these companies, I believe it’s possible to generate a sizeable financial nest egg, which will help protect my finances against future State Pension increases. Anyone can follow this relatively straightforward strategy. Indeed, as I noted above, most online stock brokers now offer SIPP wrappers, which are relatively straightforward to open and manage. Therefore, now could be the perfect time to start saving for the future. 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. Enter Your Email Addresslast_img read more

Bioclimatic ‘Longère’ House / INDY ARCHITECTES

first_img Manufacturers Brands with products used in this architecture project Projects Houses Save this picture!Courtesy of INDY ARCHITECTES+ 12Curated by María Francisca González Share ArchDaily Area:  164 m² Year Completion year of this architecture project Architects: INDY ARCHITECTES Area Area of this architecture project ShareFacebookTwitterPinterestWhatsappMailOr Clipboard CopyHouses•Crac’h, France ShareFacebookTwitterPinterestWhatsappMailOr Clipboard CopyAbout this officeINDY ARCHITECTESOfficeFollowProductsGlassStoneConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesCrac’hFrancePublished on August 04, 2018Cite: “Bioclimatic ‘Longère’ House / INDY ARCHITECTES” 04 Aug 2018. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogPartitionsSkyfoldIntegrating Operable Walls in a SpaceGlass3MSun Control Window Film in MarkthalSinkshansgroheBasin FaucetsPaintSTAC BONDComposite Panel Finishes – MetallicsConcreteKrytonConcrete Hardening – Hard-CemSkylightsLAMILUXGlass Skylight FE PassivhausLightsLouis PoulsenOutdoor Lighting – Flindt GardenWindowsVEKAWindows – SOFTLINE 70 ADUrban ShadingPunto DesignPavilion – CUBEDoorsLinvisibileLinvisibile FILO 10 Hinged Door | AlbaWoodHESS TIMBERTimber – GLT BlockGreen FacadesSempergreenLiving Wall – SemperGreenwallMore 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 streamcenter_img Bioclimatic ‘Longère’ House / INDY ARCHITECTESSave this projectSaveBioclimatic ‘Longère’ House / INDY ARCHITECTES Manufacturers: Cupa Pizarras, Reynaers Aluminium, Cupa stone, Mitsubishi Electric, Rüegg Cheminée, Ruegg Products translation missing: 2017 Bioclimatic ‘Longère’ House / INDY ARCHITECTES “COPY” Products used in this ProjectCurtain WallsReynaers AluminiumCurtain WallsTilesCupa PizarrasNatural Slate CUPA 10Save this picture!Courtesy of INDY ARCHITECTESText description provided by the architects. Located in Crach, in the French region of Britanny, this modern project was designed for being the habitual residence of a couple and hosting guests. It stands out for its location and the comfort provided during all the year, especially due to the spacious winter garden, that plays the role of a natural and free thermal buffer.Save this picture!PlanTo integrate the project into the natural environment, a heritage area, where Britanny traditional buildings predominate, natural slate was chosen and used as a « leaf », folded around the house. It offers a good protection from the local oceanic climate, combinated to a good insulation that ensures its energy optimization all the year.Save this picture!Courtesy of INDY ARCHITECTESThe house, with a rectangular and elongated floor plan, allows the owners to enjoy the sun and natural light to the fullest. In this building scheme, construction costs were optimized focusing towards a direct connection to the winter garden, extremely versatile and pleasant at any time of year, as well as using qualitative and sustainable materials.Save this picture!SectionsJosselin Guillo, project architect who worked in combination with Dorothée Martin, co-designer, claimed: «We were inspired by the single-family houses typical of Brittany. However, the materials of these ancient buildings have been reinterpreted creating a thermally efficient contemporary architecture, looking for sobriety and finesse.»Save this picture!Courtesy of INDY ARCHITECTESProject gallerySee allShow lessSpace 4 Architecture’s Proposed Bookstore in Chengdu, China Embodies Floating Water …ArticlesCasaNearShore Parcelle A&B / Groupe3 Architectes + Omar Aloui + Taoufik El OufirSelected Projects Share “COPY” France Year: last_img read more

Botanical Garden Expert Apartment / Tumushi Architects

first_img “COPY” China Save this picture!Part of North Night View. Image © Chao Zhang+ 19Curated by 韩爽 – HAN Shuang Share ArchDaily Botanical Garden Expert Apartment / Tumushi Architects CopyAbout this officeTumushi ArchitectsOfficeFollowProductsGlassSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsXianXi’anChinaPublished on April 20, 2019Cite: “Botanical Garden Expert Apartment / Tumushi Architects” 19 Apr 2019. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogPanels / Prefabricated AssembliesTechnowoodPanel Façade SystemRailing / BalustradesMitrexIntegrated Photovoltaic Railing – BIPV RailingMetal PanelsAurubisCopper Alloy: Nordic BrassHanging LampsVibiaHanging Lamp – VOLConcreteKrytonCrystalline Waterproofing – KIMSkylightsLAMILUXGlass Skylight FE PassivhausPorcelain StonewareCosentinoSurfaces – Dekton® Chromica CollectionBricksFeldhaus KlinkerThin Bricks – ClassicGlassDip-TechDigital Ceramic Printing for Interior DesignWoodStructureCraftEngineering – FootbridgesAluminium CompositesCymat Technologies Ltd.Bundang Doosan Tower – Alusion™ Stabilized Aluminum FoamTable LampsRoss GardamDesk Lamp – OraMore products »Save想阅读文章的中文版本吗?植物园专家公寓 / 土木石建筑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 Projects Year:  2018 CopyApartments•Xi’an, China ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Area:  1400 m² Year Completion year of this architecture project Architects: Tumushi Architects Area Area of this architecture project Lead Architect: Botanical Garden Expert Apartment / Tumushi ArchitectsSave this projectSaveBotanical Garden Expert Apartment / Tumushi Architects Photographs “COPY” Photographs:  Chao Zhang Manufacturers Brands with products used in this architecture project Qili Yang, Yan Bai Apartments ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Manufacturers: Zheyong Steel Save this picture!Bird View from South to North. Image © Chao ZhangRecommended ProductsWoodEGGERLaminatesFiber Cements / CementsSwisspearlSwisspearl Largo Fiber Cement PanelsFiber Cements / CementsRieder GroupFacade Panels – concrete skinEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsScenery and orientationLocated in the experimental nursery area of the Qinling National Botanical Garden, the expert apartment is an accommodation building for botanists to conduct field research. To the north of the site, the building is separated from Round Hill Road by a green buffer zone. Further north, it is the Central Shaanxi Plain with fields and path. To the south of the site, the sight cross gentle land of nearby village.Save this picture!Bird View from North to South. Image © Chao ZhangAbout one kilometer, a range of mountain climbs steeply, and lies in front of you. It seems to be a long scroll of Chinese painting, stacked in layers, slowly extending and paved in front of eyes.Regardless of orientation and scenery, the key view of the site is to face south. Therefore, the building is taken as a viewfinder, and each major space owns the southern scenery, which is a solid design strategy that we arrived site in the first time. How does the building see and be seen in such a beautiful natural environment? It became the question for our next thoughts.Save this picture!Top View. Image © Chao ZhangSave this picture!© Chao ZhangMorphogenesisThe expert apartment has three floors. At the first and second floors, it is separated by three independent boxes with same size. The program of each boxes consists of eight individual dwelling units with balconies. The opening of facade faces south to ensure that each space has a southern scenery and daylight. However, boxes rotate slightly in different direction, which brings nuances of view. Scenery, in some way, is also different. The three boxes are connected on the second floor by a traffic corridor.Save this picture!ConceptAnd the corridor is two-way transparent, bringing a two-way scenery between the north and south.On top of those boxes, the third floor is a long folded volume that connects the buildings together. The Inside of long folded volume is a public space, and the south façade of volume is fixed by a floor-to-ceiling glazing where experts can dine, drink tea and enjoy the long scroll of scenery. The long volume attaches to the north, so the roof of three boxes remains on the south side. Naturally, the remaining of three roofs become open terrace for the public space. Due to position of higher place, the view is almost unobstructed.The scenery of the Qinling Mountains is solid, but the orientation, height and length of the viewing are different, which brings a different scenery experience. The expert apartment completed its morphogenesis as a viewfinder. Save this picture!Part of South View. Image © Chao ZhangSave this picture!South View. Image © Chao ZhangMaterial and constructionThe choice of facade materials is still a continuation of concept of the viewfinder. Silver metal panel is used to wrap entire building. The expert apartment looks like a temporary installation that gently touch the ground as if it could be removed at any time. Horizontal lines of metal panel façade weakens the visual height of the building. In the detail, the construction of hidden nails also strengthens overall sense of the whole building.Save this picture!Part of View. Image © Chao ZhangConclusionThe strategy of expert apartment design is to respond to two design elements of the site and function through a distinct concept. This distinct concept brings a succinct selection of spatial operations and material detail design. Furthermore, it ultimately brings an honest and readable building. For us, it is the answer to how does the building see and be seen in beautiful environment. Save this picture!Part of View. Image © Chao ZhangSave this picture!Part of View. Image © Chao ZhangProject gallerySee allShow lessDancy House, Marlborough College / Allies and MorrisonSelected ProjectsSUPIN Life Style Store / PMT PartnersSelected ProjectsProject locationAddress:Qinling National Botanical Garden, Xi’an, Shanxi, ChinaLocation to be used only as a reference. It could indicate city/country but not exact address. Sharelast_img read more

Prince’s Trust online raffle offers VIP event tickets

first_imgThe Prince’s Trust raffle will also be promoted in the e-mail confirmations expected to go to many successful online ticket purchasers. Tagged with: Digital Events Gaming AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis The Prince’s Trust is for the first time offering VIP Packages to the Party in the Park as prizes in its online raffle.The Prince’s Trust has linked up with Charity Technology Trust to run an online raffle to help raise money for young people in the UK. The prizes on offer are VIP tickets to the Party in the Park event in London, held by Capital Radio to raise funds for the Prince’s Trust.The online raffle launches as the tickets for the concert go on sale at 8am on Wednesday 14th May 2003. Last year these tickets sold out in under five hours and over 75% were sold online. The online raffle will be available for entry at the Prince’s Trust Web site and CTT’s site until 16th June 2003. Advertisement  25 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThiscenter_img Howard Lake | 13 May 2003 | News Prince’s Trust online raffle offers VIP event tickets 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 Researching massive growth in giving.last_img read more

Veterans Administration workers demand: ‘Fill the job vacancies!’

first_imgMembers of the American Federation of Government Employees held a “Fully Staff The VA” informational picket at the Salem, Va., Veterans Administration hospital on Oct. 21. A rainbow of labor and community supporters, including members of the Roanoke Peoples’ Power Network, Southern Workers Assembly, Virginia AFL-CIO and Workers World Party, joined the picket line.AFGE members across the ­United States are fighting back against the Trump administration’s union-busting austerity attacks on federal workers, like those who work at VA hospitals. Currently there are 49,000 job vacancies at VA hospitals in the U.S., many for doctors, nurses, mental health professionals and other essential caregivers. Meanwhile, with a $700 billion Pentagon budget recently passed by Congress, the banks continue to be bailed out by the federal government and corporations receive billions in tax breaks and receive sweetheart Pentagon contracts.Speakers in Salem described how workers at the VA are confronting massive budget cuts, attrition, low wages and other austerity attacks — with the worst effects on workers of color and women. These conditions are having a horrendous effect on patient care at VA hospitals nationwide.But AFGE members aren’t taking these attacks lying down. Numerous AFGE protests in a variety of forms are taking place in Washington, D.C., and across the country and both workers and patients are speaking out and taking ­action.For more information on upcoming events: @AFGENational, and The AFGE is also asking supporters to contact Congress at 1-833-480-1637 to demand that VA staff vacancies be filled.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Manager of Baidoa-based radio station freed after four days

first_img March 2, 2021 Find out more February 24, 2021 Find out more Radio reporter gunned on city street in central Somalia News Reporters Without Borders has learned that Hilal Sheik Shuayb, the manager of privately-owned Radio Warsan in the southwestern city of Baidoa, was released on 29 November after being held for four days.Shuayb was arrested on 25 November on the orders of the province’s governor, Abdifatah Mohamed Ibrahim, after a Baidoa court’s verdict in a soldier’s trial for murder was broadcast live by the station.———————27.11 – Call for release of radio director in BaidoaReporters Without Borders today voiced its shock at the arrest on 25 November of Hilal Sheik Shuayb, director of privately-owned Radio Warsan based in Baidoa, south-western Somalia.His arrest, ordered by the provincial governor and former owner of the radio, Abdifatah Mohamed Ibrahim, appeared to be linked to the radio’s live radio broadcast from the city’s court house of the verdict against a soldier convicted of the murder of a commander, who was sentenced to death and immediately executed.”The arrest of this journalist is unjustified. Hilal Sheik Shuayb was only doing his job and should be quickly released”, the worldwide press freedom organisation said. “Somali journalists are already working in dangerous conditions and it is unfortunate that the transitional federal government should make their job even more difficult”.The National Union of Somali Journalists (NUSOJ), partner organisation in the country of Reporters Without Borders, said that journalists based in Baidoa, headquarters of the transitional federal government, regularly suffer severe harassment from the regional authorities. to go further Receive email alerts Help by sharing this information News SomaliaAfrica SomaliaAfrica center_img News RSF_en December 10, 2008 – Updated on January 20, 2016 Manager of Baidoa-based radio station freed after four days Follow the news on Somalia RSF and NUSOJ call for release of a journalist held in Somalia’s Puntland region Organisation RSF requests urgent adoption of moratorium on arrests of journalists News January 8, 2021 Find out morelast_img read more

The Hypervacancy Problem in American Cities

first_imgHome / Daily Dose / The Hypervacancy Problem in American Cities Previous: The Evolution of Housing Wealth Next: Q1 Mortgage Delinquency Snapshot hypervacancy Lincoln Institute of Land Policy Vacancies Vacant Properties zombie homes Zombie Properties 2018-05-17 David Wharton Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured, Foreclosure, Journal, Market Studies, News, REO The Week Ahead: Nearing the Forbearance Exit 2 days ago  Print This Post Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago The Hypervacancy Problem in American Cities About Author: David Wharton Related Articles May 17, 2018 2,965 Views Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Over the last few decades, housing vacancies have become more widespread in many American communities. That’s according to a new report published this week by the Lincoln Institute of Land Policy. But why is the problem so widespread, and what can communities do about it?In a Policy Focus Report entitled The Empty House Next Door: Understanding and Reducing Vacancy and Hypervacancy in the United States, researcher Alan Mallach analyzes U.S. Census and Postal Service data for 15 American cities, ranging from San Francisco to Dallas to Boston. The report examines the increasing occurrences of “hypervacancy” in these cities, which the report defines as when at least one in five properties are vacant within a given area.The report points out that, in 2015, more than 49 percent of Census tracts in Flint, Michigan, suffered from hypervacancy, “with more than a quarter of units vacant in each tract.” In Detroit, the number was 46 percent; in Gary, Indiana, it was 42 percent. The problem is on the rise in many American cities.In the report, Mallach explains that these high levels of vacancy fundamentally disrupt the local housing markets. “Houses sell, if they sell at all, only to investors at rock bottom prices while the neighborhoods become areas of concentrated poverty, unemployment, and health problems.”Mallach also spotlights increases in the number of properties that have been “effectively abandoned”—unused, empty properties that are neither for sale nor for rent. According to the report, the number of units that are effectively abandoned has increased nationally from 3.7 million in 2005 to 5.8 million in 2016. That was an uptick of 2.1 million units—”roughly equal to five times the entire housing stock of San Francisco.”The report lays out contributing factors that need to be addressed, such as convoluted foreclosure processes, but also highlights how various communities are working to combat the problem. According to the report, Baltimore has successfully put 1,300 units back into circulation since 2010, thanks to the use of receivership and partnerships with for-profit and non-profit developers.The report also cites initiatives in Cleveland and Philadelphia that worked to demolish abandoned properties and convert the lots to community green space.The report recommends that affected cities adopt better data collection strategies on their local vacancies, make it easier for the properties to be repurposed, and “balance demolition with rehabilitation as part of a larger strategy for revival.”To access the full report by the Lincoln Institute of Land Policy, click here. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Share 1Save David Wharton, Managing Editor at the Five Star Institute, is a graduate of the University of Texas at Arlington, where he received his B.A. in English and minored in Journalism. Wharton has over 16 years’ experience in journalism and previously worked at Thomson Reuters, a multinational mass media and information firm, as Associate Content Editor, focusing on producing media content related to tax and accounting principles and government rules and regulations for accounting professionals. Wharton has an extensive and diversified portfolio of freelance material, with published contributions in both online and print media publications. Wharton and his family currently reside in Arlington, Texas. He can be reached at [email protected] Tagged with: hypervacancy Lincoln Institute of Land Policy Vacancies Vacant Properties zombie homes Zombie Propertieslast_img read more

Fannie Mae Announces 2020 Securities Issuance Calendar

first_imgSubscribe  Print This Post Sign up for DS News Daily Demand Propels Home Prices Upward 2 days ago November 19, 2019 1,656 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago 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 ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago About Author: Seth Welborn Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Fannie Mae Announces 2020 Securities Issuance Calendarcenter_img The Best Markets For Residential Property Investors 2 days ago Tagged with: Fannie Mae The Best Markets For Residential Property Investors 2 days ago Related Articles Fannie Mae has announced its 2020 Benchmark Securities Issuance Calendar. The calendar provides opportunities for investors and other market participants to utilize Fannie Mae Benchmark Securities for their respective investment activities. According to the FHFA, Fannie Mae was the largest issuer of single-family mortgage-related securities in the secondary market during the first nine months of 2019. The company’s estimated market share of new single-family mortgage-related securities issuances was 39% for the third quarter of 2019.On a weekly basis, Fannie Mae has the option to auction Benchmark Bills with maturities of one year or less. The size and maturity of the weekly Benchmark Bills auctions, if any, will be announced on the same day in which the auction occurs. Benchmark Bills auctions generally occur on Wednesdays between 9:00 a.m. and 9:45 a.m. Eastern Time.The 2020 Benchmark Securities Calendar also identifies at least one calendar day per month for a Fannie Mae Benchmark Notes announcement. On each scheduled announcement date, Fannie Mae will either announce the maturity date of the Benchmark Notes offering or announce that a Benchmark Notes offering will not be made. Benchmark Notes offerings typically price and settle within a few business days of the announcement date.Fannie Mae may elect to forgo any scheduled Benchmark Bills or Benchmark Notes issuance. Fannie Mae will inform the market when an issue is not offered on the specified date.Fannie Mae’s securities are included in the GSE’s plan to transfer risk from homeowners. In the first half of 2019, the Fannie Mae and Freddie Mac transferred risk on $281.4 billion of UPB, and securites issuance accounted for 56% of the total Risk in Force (RIF) of $10.5 billion. Reinsurance transactions accounted for 26% of RIF, and lender risk sharing accounted for 18% of RIF. Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Fannie Mae Announces 2020 Securities Issuance Calendar Fannie Mae 2019-11-19 Seth Welborn in Daily Dose, Featured, News, Secondary Market Previous: Pushing Housing Investment in Detroit Next: Former President of Carrington Mortgage Services Changing Posts Share Savelast_img read more

University of Florida graduates aggressively dragged off stage while receiving diplomas

first_imgThe University of Florida(GAINESVILLE,Fla.) — The University of Florida apologized on Sunday after students complained about the behavior of an usher who they claimed manhandled graduates during a spring commencement ceremony over the weekend.University of Florida President Kent Fuchs acknowledged that the school had been “inappropriately aggressive” while rushing graduates across the stage on Saturday as video of the incident stirred controversy online.“During one of this weekend’s commencement ceremonies, we were inappropriately aggressive in rushing students across the stage,” Fuchs said in a tweet on Sunday. “I personally apologize, and am reaching out to the students involved.”Fuchs reiterated those comments during a speech at another one of the university’s spring commencement ceremonies on Sunday afternoon.Oliver Telusma, a part of UF’s nearly 10,000-member spring 2018 graduating class, said he was one of those who was manhandled while celebrating with his diploma on stage, according to The Gainesville Sun.“I had just started, and he picked me up and turned me around, which I thought was kind of embarrassing and degrading to be handled in that manner,” the 21-year-old Telusma told The Gainesville Sun.Telusma, a member of the Beta Sigma chapter of Alpha Phi Alpha fraternity, said he had to shove the usher in order to break free of his grip.Fuchs said the hands-on removal process would be banned from future ceremonies.“The practice has been halted for all future ceremonies and we will work to make sure all graduating students know we are proud of their achievements and celebrate with them their graduation,” Fuchs said.University of Florida graduate Christopher Garcia-Wilde said the usher appeared to only shove black students who wanted to celebrate on stage “by strolling, which is a cultural tradition in historically black fraternities and sororities.” Other students who took slightly more time on stage were rushed, but not in an aggressive manner, he said.“It’s a tradition to stroll at graduation if you choose to, and people have been doing this for years,” Garcia-Wilde, 22, told The Gainesville Sun on Sunday. “I was actually too afraid [to stroll] because I saw him shove other people.“But my two friends who graduated with me really wanted to do it, so they tried. They both were pushed and one of them got an entire bear hug,” he added.Telusma, one of Garcia-Wilde’s friends who was manhandled on stage, said the usher’s behavior was undoubtedly racist.“It’s a situation where time and time again the university has made black bodies feel unsafe,” Telusma told The Gainesville Sun.The university, which said it would investigate the matter, didn’t immediately respond to ABC News’ request for additional comments on the matter.Copyright © 2018, ABC Radio. All rights reserved.last_img read more

Anguish and anger palpable at first of 31 funerals for victims of El Paso and Dayton massacres

first_imgcmannphoto/iStock(CIUDAD JUAREZ, Mexico) — Sorrow and outrage overwhelmed mourners gathered in Ciudad Juarez, Mexico, to welcome home and bid farewell to a beloved school principal who was one of the 22 people killed while shopping at a Walmart in El Paso, Texas.The funeral Wednesday for 57-year-old Elsa Mendoza de la Mora was the first for the victims slain in mass shootings in El Paso and Dayton, Ohio, that occurred on consecutive days over the weekend and sent shock waves across the United States and Mexico, prompting new calls for action to stop gun violence.“Personally, I am very outraged because this is unfair for her and for the other people that died. They did not deserve this,” Alma Vargas Marquez told Telemundo TV network outside the funeral home where her cousin Mendoza de la Mora’s funeral occurred.Mendoza de la Mora’s body arrived in Ciudad Juarez in a black Cadillac hearse that was escorted by motorcycle police on the 7-mile journey across the southern border from El Paso.Marquez and other mourners were already gathered outside the funeral home when the hearse pulled up and pallbearers dressed in black suits carried a gray casket bearing the body of Mendoza de la Mora inside.Another cousin of the slain woman, Ruth Vargas Marquez, said she wishes the deaths of the 31 people killed in both massacres will finally be a “call to consciousness.”“This is the moment that we leave behind hatred, racism, fear and do things differently and unite,” Ruth Vargas Marquez told Telemundo. “I think the message of Elsa is to keep loving each other and make things different.”Mendoza de la Mora was a mother of two children and a special education teacher and principal of the Rafael Veloz Elementary School in Ciudad Juarez, relatives said. Her husband, Antonio de la Mora, described her as “the most wonderful of women” in a Facebook post.She was inside the Walmart shopping when alleged gunman Patrick Crusius, 21, walked through the front door about 10:30 a.m. Saturday firing an AK-47-style rifle, investigators said. Her husband and son were waiting for her in a car in the parking lot when the gunfire erupted, authorities and relatives told reporters.In addition to the 22 people killed, more than two dozen were injured.The volunteer group Operation H.O.P.E. (Helping Other People Endure), which provides clothing, shoes and even food for the needy in the city, has volunteered to cover the funeral expenses of all the victims in the Walmart shooting.Following his arrest, Crusius told investigators he was bent on killing as many Mexicans as possible and authorities suspect he is the author of an anti-immigrant screed posted on the controversial online message board 8chan just before the attack.The mass shooting came a day before nine people were killed when a gunman went on a killing rampage in Dayton, Ohio.Memorial services for the victims in both shootings area scheduled to continue through the weekend and into next week.Earlier this week, the youngest victim killed in the El Paso shooting,15-year-old Javier Rodriguez, was mourned by his teachers and classmates at Horizon High School in El Paso.“Javier was just a young man full of life, running in this same stadium we’re in now,” Juan Martinez, superintendent of the Clint Independent School District, said at the vigil for the Javier held on the football field at the school. “He didn’t deserve to die in a tragedy like this.” Copyright © 2019, ABC Radio. All rights reserved.last_img read more