Bamburi Cement Limited (BAMB.ke) listed on the Nairobi Securities Exchange under the Building & Associated sector has released it’s 2004 annual report.For more information about Bamburi Cement Limited (BAMB.ke) reports, abridged reports, interim earnings results and earnings presentations, visit the Bamburi Cement Limited (BAMB.ke) company page on AfricanFinancials.Document: Bamburi Cement Limited (BAMB.ke) 2004 annual report.Company ProfileBamburi Cement Limited manufactures and sells cement and cement products for the building sector in Kenya and Uganda. The company exports its products to Reunion, Uganda and Mayotle. Brands in its retail range include Powermax, Powercrete, Nguvu, Supaset, Multipurpose, Powerplus and Roadcem. Pre-cast concrete paving blocks sell under the BamburiBlox name. The company also supplies precast molded cement products used for drainage, edge constraints, fencing and walling and ready-mix cement. Bamburi Cement Limited offers its service to rehabilitate quarries and owns and maintains a nature and environmental park developed from a rehabilitated quarry. The company was founded in 1951 and has its head office in Nairobi, Kenya. Bamburi Cement Limited is a subsidiary of Lafarge Holcim Limited (SA). Bamburi Cement Limited is listed on the Nairobi Securities Exchange
See all posts by Royston Wild Simply click below to discover how you can take advantage of this. UK shares: this is why the Vistry Group share price is exploding today! Enter Your Email Address “This Stock Could Be Like Buying Amazon in 1997” I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Our 6 ‘Best Buys Now’ Shares Royston Wild owns shares of Taylor Wimpey. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Royston Wild | Wednesday, 9th December, 2020 | More on: TW VTY 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. 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! In a recent article I explained why Britain’s housing crisis bodes well for UK shares like FTSE 100-quoted Taylor Wimpey (LSE: TW).Weak construction rates in response to soaring homes demand has caused property prices to explode during the past decade. And it looks like the shortfall in housing availability has been worsened by the Covid-19 crisis.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…Official data shows that the number of homes starts in England slumped 38% year on year between April 1 and September 30 as Covid-19 lockdowns bit. This was the lowest number of starts for seven years.Another terrific trading update!All this bodes well for construction-focused UK shares over the short-to-medium term at least. And it feeds through to predictions that, despite the economic downturn, property prices will remain strong in 2021. Take property services provider Jackson-Stops for example. It reckons that low stock levels will help average home prices edge at least 2% higher next year. It predicts that they will rise between 3% and 4% should the recent Stamp Duty holiday be extended beyond the spring.It’s no wonder, then, that many City analysts reckon profits at many London-quoted homebuilders. The forecasts for Vistry Group (LSE: VTY) is a perfect example of this. Broker consensus suggests that annual earnings here will climb 122% during 2021. And fresh commentary from the FTSE 250 firm today illustrates why the number crunchers are so upbeat.Vistry declared in November that profits in 2020 would hit the upper end of its expectations (at £130m to £140m). And it built on this recent good news with fresh trading details released on Wednesday. The UK share was trading more than 6% higher from Tuesday’s close as a result.Vistry said that it expects to have net debt of no more than £40m at the end of December. It even touted the possibility of having a small net cash position at the close of 2020.The company said that “this has been driven by continued strong trading and low cancellations, good cash management at an individual business level, and the ongoing benefits from the successful combination and integration of the enlarged business.” Vistry was created following the acquisition of Linden Homes by Bovis Homes a year ago.UK share resurrects dividends for 2020The news bodes particularly well for income-hungry UK share investors. Vistry said last month that it intended to resume dividend payments next November with an interim dividend for 2021. Resilient trading since then means the builder now plans to accelerate these plans and to pay a “modest” final dividend for 2020.City analysts reckon Vistry will pay a total 35.5p per share dividend next year. This yields a chunky 3.9%. However, one can expect broker estimates to receive a sizeable shot in the arm following today’s news. No wonder its price has soared in value on Wednesday, then. I reckon this UK share is a brilliant pick today and I’d buy it. And a low price-to-earnings (P/E) ratio of 8 times for 2021 sweetens its appeal. Image source: Getty Images.
Finally, we come to the overwhelming English success of a stunning contest at the Stade de France. Whether Owen Farrell remains at fly-half or shifts one out to accommodate George Ford, he has to be part of Lancaster’s plans for 2015 and far beyond. On Saturday he matured from promising, tenacious competitor into well-rounded, clinical game-manager. His distribution, defence-scanning and mix of kicking out of hand – whether finding turf and touchline or giving teammates something to chase – was the best it has ever been. Forcing himself flat to the gainline, he posed significant problems as a runner as well.Remarkably still 22, he has inherited a good portion of his father’s presence and – along with Billy Vunipola, Joe Launchbury and Manu Tuilagi – should form the spine of this team for the more than a decade. The week will be tough with Scotland on the horizon and disappointment hovering, but Farrell is the sort of uncompromising character who won’t tolerate anyone feeling sorry for themselves. From here, England must target four consecutive victories. Farrell will agree. Who expected a host win?: Pape celebrates a last gasp victory, denying England their greatest comeback everBy Charlie MorganHeart-breaking, gut-wrenching. Gael Fickou’s score that won Le Crunch for France on Saturday evening was a bitter body blow for Stuart Lancaster and his side. Leading 24-19 deep into the last ten minutes, they had hauled themselves back from a 16-3 deficit to the cusp of a wonderfully dogged victory – what would have been the biggest comeback in their history. Then a teenage replacement snatched it all away.As boring and inescapably British as it is to celebrate brave losers, there were plenty of constructive facets to emerge from England’s performance in Paris. There were worrying aspects, too. Here are five lessons to heed ahead of a tough trip to Murrayfield.Slow starts, fading finishes Taking it on the chin: England’s second loss in a rowBefore exploring better aspects, it’s best to begin with a stinger. England have now lost their last two Tests. While that will feel painful enough, there has been excruciating symmetry to each reverse. Against New Zealand in November, they also conceded two first-quarter tries, rallying superbly before relinquishing control once more.France’s early efforts both required fortunate bounces, but they were entirely avoidable. Joe Launchbury’s misjudgement from the opening kick-off gave Jack Nowell little chance of gathering, while Huget’s brace was completed after two uncharacteristic mistakes – Tom Wood losing the ball in contact and Alex Goode scrambling ineffectively. Given the collective ambition and determination of the next hour, a nervy 17 minutes stood out alarmingly.As for closing the game out, the hosts must be given credit. The athleticism of Yannick Nyanga, Wesley Fofana and even Dimitri Szarzewski in wide channels allowed them to stretch their opponents to breaking point. Still, England will have to win a close one soon to halt any lingering doubts. When Wales and Ireland come to Twickenham, playing for 80 minutes is essential.Jack the likely ladA cluster of errors and one shuddering hit from Louis Picamoles at the outset of their international career would transform most 20 year-olds into whimpering wrecks. Not Nowell. Before Brice Dulin’s googly of a chip bamboozled him for Les Bleus’ second try, the young Cornishman had already spilt the kick-off, got exposed by Jules Plisson’s diagonal punt and conceded precious field position with a needless challenge in the air. Some said he was out of his depth. Rubbish.From England’s first meaningful possession, Nowell was prominent, offering himself across the line and around the fringes as an elusive, deceptively powerful runner. As players grew tired, he made more headway and ended up with 87 metres from 10 carries. He was rock-solid one-on-one in defence too, often against far burlier runners. Had a knock not forced him to make way for Brad Barritt, England may have maintained their shape well enough to prevent Fickou’s winner.Either way, the young Chief’s perseverance epitomised the self-belief that Lancaster’s set-up breeds. In a hostile atmosphere on Test debut, Nowell seemed confident he belongs on the biggest stage – and with good reason. He is absolutely here to stay. Tactical nous, tempo and skillWith Philippe Saint-André announcing a forward-heavy 23 a week prior to the match, England knew exactly what France would bring: a destructive set-piece and fierce focus on breakdown spoiling. Lancaster combated that intelligently. Knowing his dynamic pack would have the hosts wheezing with punchy phase-play, he brought in Danny Care at scrum half to maintain tempo. The Harlequin repaid that faith – a quick-tap penalty led to Mike Brown’s maiden international try and lit the spark that gave the visitors belief.Here to stay: Exeter’s Jack NowellDespite soggy conditions and a stodgy surface, England’s handling was good and attacking structures – either close to the ruck or wider with two waves presenting out-the-back options – much improved. Executing 14 offloads and attempting a few more that didn’t quite stick, they endeavoured to keep the ball alive and transfer the point of contact, putting defenders off balance so powerful carries from Billy Vunipola and Courtney Lawes could take full effect.Impressive close-quarter skills and awareness across the board – Dan Cole and Joe Marler were link-men on more than one occasion – meant the plan worked well. More refreshingly, we have an England side that is exciting to watch and (though the scrum needs a bit of attention) doesn’t compromise on muscularity.Bench botherLancaster doesn’t gamble on players’ ability. He is a canny man-manager and talent scout who will only allow someone into the international fold if they possess the right aptitude and attitude to deal with it. Luther Burrell, for instance, looked unruffled all evening. Where England did take a calculated risk was among the backs on their replacements bench.Most bases were covered. An early injury to Jonny May meant Goode slotted in at full back and Mike Brown went onto the wing, where he excelled. What the 23-man party could not deal with was another wide-man going. When Nowell was struggling late on, Brad Barritt was the only man left. Burrell was pushed wide, France smelled blood in the water and somehow struck.You don’t make too many mistakes with hindsight, but while forced and tactical changes up front went well – Dave Attwood, Ben Morgan, Mako Vunipola and Tom Youngs all contributed – Care’s withdrawal was also a moot point. Having threatened all night, could he have helped England edge home? As it was, England found themselves five points up at a scrum in the French 22 with less than 300 seconds left. Even with a vastly re-jigged 15 on the pitch, they should have held out.Farrell comes of age PARIS, FRANCE – FEBRUARY 01: Jack Nowell of England in action during the RBS Six Nations match between France and England at Stade de France on February 1, 2014 in Paris, France. (Photo by Shaun Botterill/Getty Images) LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS
Expand Russia’s qualification for the tournament was a shock… Russia Rugby World Cup Fixtures, Squad, Group, Guide Russia Rugby World Cup Fixtures, Squad, Group, Guide Uruguay run out of puff as Georgia power… Georgia Rugby World Cup Fixtures, Squad, Group, Guide The Best National Anthems Of The Rugby World Cup 2019 Rugby World Cup: Georgia 33-7 Uruguay LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Tournament organisers played a Russian song after Georgia’s victory over Uruguay. 2019 Rugby World Cup: Georgia 33-7 Uruguay Georgian captain Jabba Bregvadze said; “I want to take this moment to ask the person who played the Russian music, next time don’t make the mistake again, please.”World Rugby has since apologised for the blunder and is looking to avoid any further embarrassment at the tournament. Speaking to CNN they said; “It was a Georgian singer performing a Russian song. It will not happen again.”Indeed this is not the first time this sort of blunder has been made at sporting events. Earlier this year the Andorran national anthem was played instead of Albania’s in a Euro 2020 qualifying match. Also at the 2012 Olympics South Korea’s flag was in display before the North Korean women’s football team played.Regardless the Georgians will be happy with their victory as they looked to bounce back after losing to Wales in their opening tournament match.Follow our Rugby World Cup homepage which we update regularly with news and features. Adam Hathaway breaks down the best national anthems… Georgia Rugby World Cup Fixtures, Squad, Group, Guide Expand Collapse The Best National Anthems Of The Rugby World Cup World Rugby Apologises For Russian Song GaffeYou would think after their 33-7 Rugby World Cup victory over Uruguay, that Georgia would be celebrating, but instead the players were left annoyed and frustrated recently as World Rugby played a Russian song after the match.At the 2019 tournament, after the match has finished a popular song from the victorious nation is played as part of the celebration. Given the complicated, and occasionally violent history between Russia and Georgia, World Rugby made a huge blunder that resulted in the Georgian mood taking a sour turn.Georgia coach Milton Haig said; “They were playing a song after the match that was a Russian song, sung by a Georgian singer but it is a Russian song.“Again, we want to make it clear that Russia is not Georgia, Georgia is not Russia. We have a different language, different culture, different everything, so World Rugby, please make sure you get these sort of things ironed out for us.” Japan 2019 was the Lelos’ fifth World Cup Expand Also make sure you know about the Groups, Warm-ups, Dates, Fixtures, Venues, TV Coverage, Qualified Teams by clicking on the highlighted links.Finally, don’t forget to follow Rugby World on Facebook, Twitter and Instagram.
ArchDaily Projects Holiday Home Between Dunes and Beach / De Zwarte HondSave this projectSaveHoliday Home Between Dunes and Beach / De Zwarte Hond Manufacturers: Aluverre, VSTechniek Holiday Home Between Dunes and Beach / De Zwarte Hond Architects: De Zwarte Hond Area Area of this architecture project Collaborators:Fedde Karst KooijCountry:The NetherlandsMore SpecsLess SpecsSave this picture!© Harry CockRecommended ProductsWoodEGGERLaminatesWoodSculptformTimber Click-on BattensWindowsRodecaAluminium WindowsWoodBruagBalcony BalustradesText description provided by the architects. De Zwarte Hond has designed a new holiday home between the dunes and the beach on Schiermonnikoog, an island off the north coast of the Netherlands. An inviting haven, with a high degree of privacy whilst respecting the valuable landscape.Save this picture!© Harry CockDe Zwarte Hond has been working on holiday home projects on the West Frisian Islands for many years. Existing building traditions are combined and integrated with new concepts. Characteristics ranging from a typical wooden summer house with verandas and thatched roof, to the later brick bungalows with gently-sloping roofs and large expanses of glass, are incorporated in homes that reflect that holiday feeling: optimistic, light and in direct contact with nature. Intimate locations to spend time with friends and family.Save this picture!© Harry CockDemand for more space has increased over the years as has the desire for more luxury and sustainability. Regulations on the islands, however, stipulate moderation. Height and surface area are restricted to ensure the landscape is not over-exploited.Save this picture!Ground FloorThis ‘Holiday home between dunes and beach’ is also designed within this context: a modest volume openly connected with its surroundings, considerable comfort and a large degree of privacy. Because the home is partially below ground level the residential area is far larger than at first appears.Save this picture!© Harry CockThe three bedrooms, a box bed, two bathrooms and a games room are situated below ground. The living areas are situated above ground: a living room, kitchen, study and dining room, and a veranda that clearly defines the boundary between the dune landscape and the home. These separate entities are at the same time visually interconnected. A layout that ensures sufficient spaces to retreat from a large group, but also a cosy holiday home for two.Save this picture!BasementThe building plays with the height difference in the landscape. The large sun-drenched bedroom – with its green and heavenly view – is located where the dunes drop downwards and is at the same time completely hidden from view. The remaining two bedrooms are on the other side of the building, where the public road runs. These, too, are not visible from a distance but have plenty of daylight due to breaks in the landscape. A large shutter in front of the living room window can be closed in order to create privacy. Skylights resembling turrets protrude from the roof and ensure that the building always has sufficient light.Save this picture!© Harry CockThe façade, comprising finely sawn oak dried in the open air gives the home its unique character and weathering only improves its appearance. The green roof completes the home’s camouflage in the landscape. It is already perceptible how, in a short period of time, the holiday home with its external spaces forms part of the overall dune landscape, as is the case with ‘De Ville Buiten’ designed too by De Zwarte Hond.Save this picture!SectionProject gallerySee allShow lessICD Aggregate Pavilion 2018 / ICD University of StuttgartSelected ProjectsLishui Corporate Office / Usual StudioSelected Projects Share Area: 220 m² Year Completion year of this architecture project Save this picture!© Harry Cock+ 11Curated by María Francisca González Share The Netherlands “COPY” CopyHouses•The Netherlands Lead Architects: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/902586/holiday-home-between-dunes-and-beach-de-zwarte-hond Clipboard Year: Photographs: Harry Cock Manufacturers Brands with products used in this architecture project “COPY” Photographs CopyAbout this officeDe Zwarte HondOfficeFollowProductsWoodGlassSteel#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesThe NetherlandsPublished on September 27, 2018Cite: “Holiday Home Between Dunes and Beach / De Zwarte Hond” 27 Sep 2018. ArchDaily. Accessed 11 Jun 2021.
AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Howard Lake | 14 August 2013 | News Suki Gallagher joins M.A.D. as Business Development Director She is a Trustee at the UCL Cancer Institute Research Trust, Partnerships Development Consultant at Action Medical Research, Charity Representative for the Guinness World Records and Charity Ambassador for Britain’s Personal Best. She has also served as a Voluntary Ambassador at Cancer Research UK for 13 years.She joins M.A.D. as the company announces that it has secured investment to help it expand operations, following its successful launch in May 2013. The investment will be used to develop online and offline marketing to increase M.A.D.’s profile with consumers, as well as to support the development of bespoke and off-the-shelf fundraising campaigns to charity partners’ own donor bases.Founder and Director Spencer Cohen, said: “M.A.D. is all about harnessing the success of the luxury goods and online fashion accessories market and giving customers the chance to do good every time they purchase.”Every time a customer shops with M.A.D. 100% of the retail margin goes directly to the charity of their choice. The fact that we don’t charge any upfront or ongoing fees for our services levels the playing field so that any charity can generate extra unrestricted income.”Of Gallagher’s appointment he said: “Her intimate knowledge of the sector, impressive contacts and creative ingenuity will support us in developing close partnerships with charities to deliver high yield donor targeted campaigns and crucial additional income.” 11 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Suki Gallagher has joined M.A.D. (Make a Difference) Jewellery as Business Development Director. She will be responsible for developing long term partnerships with UK charities to generate income from the online jewellery retailer.M.A.D. specialises in online jewellery sales, jewellery merchandising, auction prizes and jewellery party packs with the chosen charity receiving 100% of the retail margin.She joins M.A.D. after four years as Director of Business Development at fundraising technology company Everyclick, where her she helped create and deliver Give as you Live. Advertisement 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.
The United States ranks 45th out of 180 countries in RSF’s 2018 World Press Freedom Index after falling 2 places in the last year. September 25, 2018 US – #WeeklyAddress: September 11 – September 23: Justice Department’s Foreign Intelligence Surveillance Act allows US government to secretly surveil journalists Organisation News to go further RSF_en Facebook’s Oversight Board is just a stopgap, regulation urgently needed, RSF says News Follow the news on United States According to documents released by the Freedom of the Press Foundation on September 17, the Justice Department has allowed the federal government to monitor journalists and evade traditional court procedures secretly through the Foreign Intelligence Surveillance Act (FISA) since as early as 2013. The FISA procedure is far less rigorous than the Justice Department’s usual “media guidelines” for obtaining subpoenas, court orders, and warrants against journalists. It also allows for more sweeping searches and surveillance of information and communications. These documents–acquired by the organization as part of a Freedom of Information Act lawsuit–detail FISA court rules that civil society organizations have long suspected were being used to surveil journalists. As the current administration has vowed to intensify leak investigations, press freedom advocates are rightfully wary of FISA court rules that require an even lower threshold, and which the government had kept secret. June 7, 2021 Find out more Help by sharing this information Receive email alerts United StatesAmericas First Amendment Coalition sues DOJ to obtain records related to seizure of journalist’s records The First Amendment Coalition (FAC) sued the Justice Department in a San Francisco federal court on September 19 under the Freedom of Information Act (FOIA) to obtain Department records related to the government’s seizure of New York Times reporter Ali Watkins’ communications. Watkins had her records seized in connection with a leak investigation into James Wolfe, a senior aide to the Senate Intelligence Committee with whom Watkins secretly had a three-year relationship. The reporter had covered the Senate Intelligence Committee for a number of news organizations prior to joining The Times. Although the Justice Department sent Watkins a letter saying her private records had been seized in February, it had already been collecting her information for months and did not send her a customary “noticed” subpoena, which allows the recipient to challenge the collection of sensitive information before a court. According to the Justice Department’s internal media guidelines, only in extreme circumstances can the government obtain records without issuing a notice. This is the first known case of a reporter’s records being seized under the Trump administration, but it was a tactic also employed by former President Barack Obama. JIM WATSON / AFP News NSO Group hasn’t kept its promises on human rights, RSF and other NGOs say News For the latest updates, follow RSF on twitter @RSF_en. United StatesAmericas WhatsApp blocks accounts of at least seven Gaza Strip journalists June 3, 2021 Find out more Justice Department’s Foreign Intelligence Surveillance Act allows US government to secretly surveil journalists Below are the most notable incidents regarding threats to press freedom in the US during the week of September 11 – September 23: April 28, 2021 Find out more
Russian media boss drops the pretence and defends Belarus crackdown to go further RSF_en Organisation Reporters Without Borders called on the Belarus authorities today to stop their systematic destruction of the country’s independent media as the Belarus Association of Journalists (BAJ) staged a one-day protest to focus attention on independent newspapers forced to close. Reporters Without Borders called on the Belarus authorities today to stop their systematic destruction of the country’s independent media and said it was very worried about the worsening press freedom situation. The call came as the Belarus Association of Journalists (BAJ) staged a one-day protest to focus attention on independent newspapers forced to close. “Privately-owned newspapers in Belarus have been under threat this year as never before,” said Reporters Without Borders secretary-general Robert Ménard. “At least 10 have been suspended, prevented from printing copies or been refused official registration. The authorities have been extremely cunning about bureaucratic harassment and have used absurd legal manoeuvres to stop the appearance of papers that refuse to carry the propaganda of President Alexander Lukashenko’s regime.”They are especially hard on those who have supported the Belorusskaya Delovaya Gazeta, the country’s biggest circulation independent daily, suspended in May, by printing its articles in their own pages,” Ménard said.The authorities have also targeted media support organisations such as IREX/Promedia and Internews, depriving many papers of vital computer resources and documentation. The BAJ protest included a round-table debate, the award of a prize and a photo exhibition. News BelarusEurope – Central Asia Receive email alerts Follow the news on Belarus September 19, 2003 – Updated on January 20, 2016 Journalists protest attacks on press freedom June 2, 2021 Find out more News “We welcome opening of criminal investigation in Lithuania in response to our complaint against Lukashenko” RSF says May 27, 2021 Find out more News RSF at the Belarusian border: “The terrorist is the one who jails journalists and intimidates the public” May 28, 2021 Find out more BelarusEurope – Central Asia News Help by sharing this information
Minister Harris “missing in action again” as crisis in University Hospital Limerick is raised in Dáil says Limerick TD WhatsApp RELATED ARTICLESMORE FROM AUTHOR Linkedin Boycott of Israeli goods rejected by Council Print Council collects €53 million in commercial rates Minister for Finance Michael Noonanby Kathy [email protected] up for the weekly Limerick Post newsletter Sign Up BUDGET 2015 has been heralded by Limerick’s Government TDs as a step towards economic recovery and the beginning of the end of austerity, with the introduction of measures aimed at easing the pain on hard-pressed working families.While some of the measures, such as changes to the Universal Social Charge (USC) and a cut to the top rate of income tax have been welcomed, several organisations in the region say Budget 2015 has not gone far enough.Limerick Chamber of Commerce acting chief executive Dr. Órlaith Borthwick described the Budget as “a missed opportunity to support Irish entrepreneurs”.“The reality is that SMEs and entrepreneurs create employment and we must do more to support them if we want to continue to reduce our unemployment numbers. We anticipated more measures than were delivered in this budget to support that goal. Capital taxes remain too high and a more balanced and urgent focus on the job creating engine of SMEs is required,” she said.President of the Irish Road Haulage Association (IRHA) Eoin Gavin warned that Budget 2015 leaves haulage operators with “no option but to relocate”.Mr Gavin, who is managing director of Eoin Gavin Transport Ltd in Bunratty, says he is deeply disappointed that no change to commercial vehicle road tax was announced.“The Association and its members are dismayed as to why Government has totally ignored the HGV road tax deferential between Ireland and the rest of Europe. There was not even a mention of the importance of the sector in the Minister’s comments,” he remarked.Mr Gavin added that the Government’s failure to amend the HGV tax rates “will result in a significant number of vehicles registering to other jurisdictions where operating costs are more favourable”.Education Minister Jan O’Sullivan announced that additional funding for the education budget will result in 1,700 new teachers and SNAs across Ireland.Limerick INTO (Irish National Teachers’ Organisation) representative Joe Lyons says that while this is to be welcomed, it won’t reduce class sizes.He told the Limerick Post: “This is merely to cope with the changing demographic, the increasing number of children. Class sizes will not get any bigger, but there will be no improvement either. The pupil-teacher ratio has been left the same. We are no better in terms of class sizes than we were 20 years ago.“Also, special needs pupils have seen their one-to-one resource time cut by 15 per cent in recent years, there has been no improvement on that either.”Other local representatives were critical of this week’s so-called neutral budget, with local councillor Cian Prendiville (Anti-Austerity Alliance) warning that the incoming water charges “will drive people further into poverty”.He added: “It is a farce to say that we have reached the end of austerity when all of the cuts and extra taxes which have been imposed continue to affect people daily.”Sinn Féin councillor Maurice Quinlivan commented: “To deliver a neutral budget we need to stop water charges. It is clear if this water tax is not removed the vast majority of people, which means those earning €30,000 or under, are losers in this budget.”Fianna Fáil TD Willie O’Dea said that most low income families are still worse off “because of a series of regressive measures brought in by Minister Joan Burton over the past three Budgets”. Advertisement NewsOpinions divided over neutral budgetBy John Keogh – October 16, 2014 877 Email Previous articleThe Ultimate Quiz Night at Thomond ParkNext articleTarget tells how gunman fired shots into bedroom where child slept John Keoghhttp://www.limerickpost.ie Families and workers must be supported through public health emergency TAGSBudget 2015Cllr Cian PrendivilleCllr Maurice QuinlivanEducation Minister Jan O’SullivanEoin GavinINTOIrish Road Haulage AssociationJoe LyonsLIMERICK ChamberMinister for Finance Michael NoonanOrlaith BorthwickWillie O’Dea TD Twitter Friday the 13th nightmare for opponents of Irish Cement tyre-burning plans Board appointments at Shannon Chamber Facebook
Previous: Fed Remains Stagnant Next: Ellie Mae Announces 2018 Conference, Hall of Fame, Innovation Awards September 20, 2017 2,381 Views About Author: Ken Viviano Tagged with: Credit Reports Data Provider Black Knight to Acquire Top of Mind 2 days ago Mortgage lenders rely on liens and judgments records to assess a borrower’s creditworthiness and capacity for repayment. For decades, they obtained this information in credit reports during the application process. But as of July 1 this year, the Nationwide Credit Reporting Agencies (NCRAs)— Equifax, Experian, and TransUnion—began removing a large segment of the data from their reporting due to unmet identity verification standards per the National Consumer Assistance Plan (NCAP).In an effort to reduce instances of records being matched to the wrong individuals, the NCAP states that public records used in credit reports must possess at least three of the following: name, address, Social Security number, or birthdate. According to a whitepaper titled “Linking Liens and Civil Judgments Data” by LexisNexis® Risk Solutions, “Approximately 50 percent of tax lien records and approximately 96 percent of civil judgment records do not contain a [Social Security number]” nor do they meet the minimum requirements. Therefore, the NCRAs will no longer provide the data.The resulting gap has many lenders worried that they will no longer have a complete picture of an applicant’s risk. Further, many secondary mortgage market investors including the government-sponsored enterprises (GSEs) have not changed their underwriting policies and still require all items be disclosed and resolved before closing.While the NCRAs will no longer provide a full report on liens and judgments, there are other opportunities in the lending lifecycle to obtain this information. However, the associated costs and risks will vary depending on when lenders choose to access the data.Title SearchLiens and judgments tied to the property in question will appear in a title search after underwriting. However, by this time, the loan has already been approved with a set closing date, making this a costly and high-risk option. If a record is found, underwriters must contact the borrower to resolve it and rework the loan. If the issue is more complicated, it can cause a closing delay, which creates a negative consumer experience and hurts a lender’s ability to retain business. Should the loan fall through, it would be a significant loss for the lender, having already invested around 45 days and, according to a report by the Mortgage Bankers Association (MBA), up to $7,209 in expenses.Soft Credit PullsAfter a loan has been approved, lenders may do a soft credit pull to see if there are any changes or cause for concern with the borrower, such as large purchases or late payments. These reports can include liens and judgments. But you can only do a soft pull during underwriting, pre-closing, and post-closing. Like the title search, this may be too late in the process to identify something without the risk of heavy costs and disrupting the path to closing.Liens and Judgments ReportsLiens and judgments reports are available for continued access to the data in credit reporting. These can be provided as a supplemental report, which will require additional steps and staff retraining, or as an integrated option that fits seamlessly into the lenders’ credit reporting solution, allowing them to maintain their existing credit review process. With the information available from the onset, lenders can proactively resolve any items before loan approval, thereby minimizing the risks in moving the borrower forward and ensuring a streamlined process. These reports do come with a minimal fee, but the benefits of having the information up front greatly outweigh the costs of an unexpected item appearing at the end of the process.These reports can overcome the matching challenges that led to the credit report content change by using data that is compliant with the Fair Credit Reporting Act (FCRA). FCRA-compliant data has met stringent accuracy guidelines to link public records to the correct consumer so it can be used in underwriting and credit decisions. Lenders can further corroborate the data through a verification service like DataVerify, which compares information on a borrower across multiple data sources to validate supplied data and alert to variances.While the removal of liens and judgments from credit reports has been a cause for concern, mortgage lenders can be assured that the data hasn’t disappeared. There are options available to access the records throughout the loan process. But it is up to each lender to determine how much risk they are willing to take and whether they will obtain the information up front during application or further into the loan process near closing. Credit Reports 2017-09-20 Ken Viviano The Best Markets For Residential Property Investors 2 days ago The Best Markets For Residential Property Investors 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago Share Save The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe in Daily Dose, Featured, Foreclosure, Headlines, News, Technology Print This Post Liens and Judgments Data: Not Gone for Good Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / Liens and Judgments Data: Not Gone for Good Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Demand Propels Home Prices Upward 2 days ago