Stock market crash: I’d invest £5,000 in these 2 UK shares in a Stocks and Shares ISA today

first_imgStock market crash: I’d invest £5,000 in these 2 UK shares in a Stocks and Shares ISA today Buying UK shares after the stock market crash may prove to be a risky move in the short run. After all, risks facing the world economy’s future continue to be elevated.However, a number of FTSE 100 and FTSE 250 stocks appear to offer defensive characteristics. That could help them outperform in a volatile wider stock market.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…Here are two prime examples of such companies. They could be worth buying today with £5,000, or any other amount, in a Stocks and Shares ISA on a long-term view.Long-term growth potentialWhile the stock market has declined in 2020, not all UK shares have done likewise. For example, the AstraZeneca (LSE: AZN) stock price has gained 11% since the start of the year. Its first quarter update highlighted its growth potential. Years of investment in its pipeline contributed to sales growth of 17% and a rise in core earnings of 21%.Looking ahead, the company’s defensive business model could become more attractive among investors who are concerned about the economy’s prospects. The business is less reliant on the macroeconomic outlook than many of its FTSE 100 peers. This could mean it’s able to command a rising valuation – especially as its financial performance improves.Certainly, AstraZeneca’s price-to-earnings (P/E) ratio of around 26 currently places it among the more expensive UK shares available. However, with its bottom line forecast to rise by 26% in the next financial year, it could offer further capital growth potential.As such, now could be the right time to buy a slice of it in a Stocks and Shares ISA to benefit from its resilient business model and long-term growth prospects.An income opportunity among UK sharesAnother FTSE 100 stock that could offer defensive appeal versus other UK shares is Pennon (LSE: PNN). The utility company’s share price has risen by 6% in 2020. This is significantly higher than the 20% decline among blue-chip shares over the same time period.The business recently reported a solid financial performance. Although there are regulatory risks facing its future, as well as scope for bad debts caused by a weak economic outlook, its financial outlook appears to be relatively robust. And, with the sale of its Viridor recycling business having been completed, it’s in a position to potentially reduce debt levels to strengthen its financial position.With Pennon offering a dividend yield of around 3.5%, it’s not among the highest-yielding UK shares available to purchase at present. However, its track record of delivering rising dividends, and the robust nature of its shareholder payouts relative to other FTSE 100 stocks, mean that it could offer income investing appeal. This could boost its share price prospects.It may also allow it to outperform other large-cap shares during what may prove to be an uncertain period for the stock market. 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. Our 6 ‘Best Buys Now’ Shares “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. Peter Stephens owns shares of AstraZeneca. The Motley Fool UK has recommended Pennon Group. 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. 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.center_img Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Simply click below to discover how you can take advantage of this. Peter Stephens | Wednesday, 15th July, 2020 | More on: AZN PNN Image source: Getty Images. See all posts by Peter Stephens Enter Your Email Addresslast_img read more

House With 3 Shed Roofs / 416 Architects

first_img Houses ArchDaily Architects: 416 Architects Area Area of this architecture project “COPY” Save this picture!Courtesy of 416 Architects+ 27Curated by Hana Abdel Share CopyAbout this office416 ArchitectsOfficeFollowProductWood#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesTakatsukiOn FacebookJapanPublished on May 20, 2020Cite: “House With 3 Shed Roofs / 416 Architects” 20 May 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogBathroom AccessorieshansgroheBath & Shower ThermostatsGlass3MGlass Finish – FASARA™ NaturalPartitionsSkyfoldVertically Folding Operable Walls – Mirage®WindowsVitrocsaSliding Window – Mosquito NetSinksBradley Corporation USASinks – Verge LVG-SeriesMetal PanelsTrimoQbiss One in Equinix Data CentreSignage / Display SystemsGoppionDisplay Case – Q-ClassMetal PanelsLongboard®Aluminum Battens – Link & Lock – 4″Sports ApplicationsPunto DesignPunto Fit in Ekaterinburg Public SpaceWoodBlumer LehmannFree Form Structures for Wood ProjectsKnobsKarcher DesignDoor Knob K390 (50)TablesVitsœ621 Side TableMore products »Save想阅读文章的中文版本吗?“三段式”长屋 / 416 Architects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 House With 3 Shed Roofs / 416 ArchitectsSave this projectSaveHouse With 3 Shed Roofs / 416 Architects Design Team:416 ArchitectsStractual Design:Steradian Jyunzo Harada, Yoshiko IwamotoConstractor:MiyabiCity:TakatsukiCountry:JapanMore SpecsLess SpecsSave this picture!Courtesy of 416 ArchitectsRecommended ProductsResidential ApplicationsCymat Technologies Ltd.Hudson Valley Home, USA – Alusion™ Stabilized Aluminum FoamKitchen Furniture / CountertopsApavisaSlabs – LinetopWindowsLibartVertical Retracting Doors & WindowsWoodGustafsWood Veneered Wall & Ceiling PanelsText description provided by the architects. The house is located in a busy, built-up area, on an awkwardly-shaped site with variations in elevation. It is home to a couple and their two children. Rather than divide up the rooms and spaces with walls and fittings, we separated the different areas using portal frames, which form the structure, and the height differences produced inside the building. It became the kind of house where your view of the different spaces varies, as if you are walking down an alleyway, and you catch glimpses through small gaps of the rooms on the other side.Save this picture!Courtesy of 416 ArchitectsSave this picture!PlansSave this picture!SectionsSave this picture!Courtesy of 416 ArchitectsRoof in tune with the terrain. This area is connected to the mountains that spread between the north of Osaka and the south of Kyoto, and the terrain slopes from north to south. It was decided that the roof of each volume would be in keeping with that terrain, sloping one way in the shorter direction so as to blend into the cityscape. The resulting shape of the completed building gives a sense of rhythm not only to the facade but also to the internal space. Structure creates the internal space. In order to overcome the weakness of an elongated building that is weak in the direction of the shorter side, we attached structural plywood to pairs of pillars 600mm or more apart to make short walls and connected these with crossbeams to create portal frames.Save this picture!Courtesy of 416 ArchitectsBy arranging these portal frames in the direction of the longer side following the profile of the site, we built a strong structure while also dividing up the space so that the appearance of the rooms changes as you move through the building. On the 2nd floor in particular, the private space continues through the three family bedrooms, the workspace, etc. With this configuration, you can see from one end of the inside of the building along its 20m length to the opposite end. It is an arrangement that gives a sense of space to a site with a narrow frontage.Save this picture!Courtesy of 416 ArchitectsLiving/dining/kitchen. It was arranged on the wider west side of the site. A large 4400mm × 800mm table can be used in a variety of ways, serving as a dining table, a meal preparation surface, a drawing space for the children, and a table for a large number of guests, making it the centerpiece of the family. Stairs and solarium. The strip staircase is at the center of the building and connects the volumes at different floor levels. A large three-panel, 2700mm-tall, translucent sliding door is used at the boundary with the adjacent solarium so as to bring in light.Save this picture!Courtesy of 416 ArchitectsProject gallerySee allShow lessHigh Hopes Villa / Mahyar ArchitectsSelected ProjectsOller Caracas House / Yáñez Hormazábal ArquitectosSelected Projects Share Japan CopyHouses•Takatsuki, Japan ShareFacebookTwitterPinterestWhatsappMailOr Clipboard 2018center_img House With 3 Shed Roofs / 416 Architects Projects ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Manufacturers Brands with products used in this architecture project Lead Architect: Year:  Ayako Shima Area:  67 m² Year Completion year of this architecture project “COPY” Manufacturers: Daiko, Sanwa, Toto, YKK AP, KMEW, Tanita Housing Ware, YASUTA, channel originallast_img read more

More Growers Going Soybean After Soybean in 2017

first_img Previous articleMonsanto Stressing Stewardship with New Dicamba HerbicideNext articleRyan Martin’s Indiana Ag Forecast for February 24, 2017 Gary Truitt SHARE Facebook Twitter SHARE Facebook Twitter More Growers Going Soybean After Soybean in 2017 By Gary Truitt – Feb 24, 2017 More Growers Going Soybean After Soybean in 2017The USDA presented its first guess on planted acreage for 2017; and, as expected, corn acres are forecast to be down and soybean acres up. On Thursday, USDA pegged corn acreage at 90 million acres, down from the 94 million acres planted last year. The USDA pegged soybean acreage this season at 88 million acres, which would be 4 million acres more than last year.  The average corn price per bushel is estimated to be $3.50 for 2017, while the Soybean average price was penciled in at $9.60 per bushel. This means there are going to be a lot of soybean after soybean fields planted this year.Trevor Perkins,Trevor Perkins, agronomist with Stewart Seeds, says going continuous soybeans can pose some challenges, “While this can certainly provide some economic benefit, there are some diseases you will have to manage. When selecting a seed variety, tolerance for SDS and Phytophthora will be very important.”  He added that scouting for frog eye leaf spot will also be a consideration.Seed companies have been reporting all winter that soybean seed orders have been up. Perkins says Stewart has a good soybean variety lineup for 2017, “We have some very strong Roundup Xtend that have good yields as well as a good agronomic package.”  During a grower meeting in Shelby County on Thursday, Perkins presented an update on the Roundup Ready to Xtend system and the weed control benefits it provides, especially on hard to control weeds. According to Perkins, the Roundup Ready to Xtend system provides a 5.4 bu per acre average advantage vs. Liberty Link in Herbicide System Trials. Home Indiana Agriculture News More Growers Going Soybean After Soybean in 2017last_img read more

Beck’s Launches ROI Calculator Tool

first_imgHome Indiana Agriculture News Beck’s Launches ROI Calculator Tool SHARE SHARE Beck’s Launches ROI Calculator Tool Facebook Twitter Beck’s is pleased to announce the release of the Return on Investment “ROI” Calculator tool in FARMserver®, their precision farming software. This newly launched ROI tool will allow users to view average profit or loss per acre on their operation based on Purdue University’s Crop Cost and Return Guide.“In times of low commodity prices, it’s crucial that farmers understand the financial performance of their operations” said Scott Beck, president of Beck’s. Since the inception of FARMserver, we have worked hard to deliver a tool that is not only farmer friendly and easy-to-use, but that will help farmers be more profitable. We think this ROI Calculator will go a long way in achieving exactly that.”FARMserver subscribers can now view return on investment numbers as a percent of their overall operation costs or as a cost per bushel analysis. While market prices for both corn and soybeans are automatically updated every 15 minutes to match the Chicago Board of Trade Prices, users can also update any of the calculator values with their own input costs or market prices.Though not required to use the tool, users who choose to upload their yield data can also evaluate their harvest data in terms of ROI. The “profitability map” in the Field Focus view of FARMserver utilizes each user’s most recent data imported into the ROI Calculator and overlays it with their actual yield data, creating a map that highlights areas of profitability and loss. If harvest data needs to be post-calibrated, there is an option for that as well.Not only does the ROI Calculator display average yields and values for the entire operation, users can dive deeper into their data and edit input costs and average yield at the field level. When uploading yield data into FARMserver, those yield averages replace the user-entered averages, making the tool that much more accurate.“We will continue to seek out new and innovative ways to help farmers succeed,” said Craig Rogers, precision farming lead at Beck’s. “By consistently providing new tools and updates in FARMserver, we are confident that we can help growers farm more efficiently and more profitability than ever before.”For more information or to sign up for a free FARMserver membership, visit or call 800.937.2325.Source: Beck’s Facebook Twitter By Hoosier Ag Today – Oct 8, 2018 Previous articleCorporate Leaders Partner With FFA to Introduce Cutting-edge Tech at National ConventionNext articleChina Language in USMCA Not Surprising Hoosier Ag Todaylast_img read more

Positive move in trial of weekly The Voice but vigilance still needed

first_img May 31, 2021 Find out more May 12, 2021 Find out more News MyanmarAsia – Pacific News RSF_en News May 23, 2012 – Updated on January 20, 2016 Positive move in trial of weekly The Voice but vigilance still needed MyanmarAsia – Pacific Organisation May 26, 2021 Find out morecenter_img US journalist held in Yangon prison notorious for torture Reporters Without Borders hails today’s decision by a Burmese court in the libel case against the weekly The Voice brought by the mines ministry over an article published on 12 March exposing cases of corruption in six government ministries.The court ruled that the weekly did not have to disclose the identity of the article’s author as originally demanded by the mines ministry. Reporters Without Borders welcomes the ruling but remains concerned about the future course of the trial, whose next hearing will take place on 6 June.In recent months, the Burmese government has issued warnings and launched proceedings against several media organizations, meddling in the work of the media without resorting to open censorship. In January, a libel suit was launched — and subsequently dropped — against the journal Modern Weekly by a construction ministry engineer over an article published last November.____________________15/03/2012 – Is government reneging on promise to respect media freedom?Reporters Without Borders is worried by the mining ministry’s announcement that it plans to launch “legal proceedings” against the Rangoon-based weekly The Voice for reporting that cases of alleged corruption involving the mining ministry and five other ministries were revealed by the report of a government audit that was given to parliamentarians last week.The press freedom organization urges the mining ministry not to bring a libel suit against the weekly as it would send a negative signal to the media and they have a legitimate right to take an interest in the functioning of government institutions.Several news media mentioned the audit report and the corruption allegations. The mining ministry has a right of response and has publicly denied the allegations. But a libel suit would intimidate Burmese journalists and would encourage self-censorship.The ministry’s announcement has served to re-emphasize the need for the creation of an independent press council that can mediate between the media and plaintiffs.The mining ministry’s statement was reported yesterday by the government-run New Light of Myanmar newspaper. One of the cases of alleged corruption involving the mining ministry concerns the sale of a mining project to Union of Myanmar Economic Holdings (UMEH), a leading industrial holding with close links to the military.An official with the information ministry, one of the six ministries named in the audit, told Democratic Voice of Burma reporter Than Win Htut that he objected to the use of the word “embezzlement of Information Ministry”.On 13 March, Reporters Without Borders and its partner organization, the Burma Media Association (BMA), expressed concern about recent restrictions on media freedom in Burma. Receive email alerts Thai premier, UN rapporteurs asked to prevent journalists being returned to Myanmar RSF asks Germany to let Myanmar journalist Mratt Kyaw Thu apply for asylum Help by sharing this information Follow the news on Myanmar News to go furtherlast_img read more

Pasadena Based Startup Providing Senior Care Resources Launches

first_img Community News Business Districts News Pasadena Based Startup Providing Senior Care Resources Launches Local Professionals Team Up to Create an All Encompassing Senior Care Resource Site From STAFF REPORTS Published on Wednesday, March 30, 2016 | 3:41 pm HerbeautyHere Is What Scientists Say Will Happen When You Eat AvocadosHerbeautyHerbeautyHerbeautyHe Is Totally In Love With You If He Does These 7 ThingsHerbeautyHerbeautyHerbeautyEase Up! Snake Massages Are Real And Do Wonders!HerbeautyHerbeautyHerbeautyIs It Bad To Give Your Boyfriend An Ultimatum?HerbeautyHerbeautyHerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeautyHerbeautyThese Are 15 Great Style Tips From Asian WomenHerbeautyHerbeauty EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday 11 recommended0 commentsShareShareTweetSharePin it Name (required)  Mail (required) (not be published)  Website  Top of the News Subscribe launched today, offering extensive expert guidance to people caring for aging loved ones. Here are some important statistics: 1) 10,000 people turn 65 every day for the next fifteen years; 2) 70% of caregivers look for help online, but find the information too complex to make a decision; and 3) 39% of US adults act as caregivers for at least one elderly loved one. seeks to simplify the online user’s experience by providing insightful and comprehensive information through an interface and platform that is remarkably easy to was founded by Scot Cheben, Vanessa Terzian and Admond Fong, who met at a local event for seniors and related service providers. Despite having differing professional backgrounds, they quickly realized that they share a common concern; people are overwhelmed with the responsibilities that come with caring for elderly loved ones. Simply put, there had to be a better way for lay people to access resources for senior care. Given that Cheben, Terzian and Fong provided different professional services from one another through their locally operated businesses, they understood the need for trusted advisors in various fields. They founded in order to provide expert guidance in multiple areas, through one is a Question and Answer portal that allows users to post their questions anonymously. All questions are answered by professionals in the senior services industry, providing comprehensive and comprehensible information in areas such as estate planning, insurance, home care, elder law and more.“Caregivers often don’t know where to turn for help,” says Cheben. “Because, most of the time, they have other jobs to do and while they want to do what’s right, they simply don’t have the information they need. That’s the problem we solve. We are dedicated to providing valuable, resourceful information to those caring for an aging loved one.”The three co-founders are on a mission to help caregivers navigate through the complexities of senior care. When asked what they do differently from other sites, Terzian answered with the company mantra: “The goal is to help eliminate the guess work for people so they can focus on spending time with their loved ones instead of the computer.”Stephen D., a father of two who has aging parents, recently posted the question: “I want to prepare for future issues as they get older. What should I start thinking about in advance?” Stephen’s response to the guidance he received was typical of other users’ feedback: “The information provided was thorough and provided suggestions I never thought about. I would definitely use this site again or share this with my other family and friends.”For more information, visit Your email address will not be published. Required fields are marked *center_img 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’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Business News Make a comment Community News More Cool Stuff faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes First Heatwave Expected Next Week Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadenalast_img read more

Fitch Ratings Warns Servicers Against Ignoring Security Testing

first_imgHome / Daily Dose / Fitch Ratings Warns Servicers Against Ignoring Security Testing About Author: Staff Writer Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago The Best Markets For Residential Property Investors 2 days ago information Security Technology 2017-05-18 Staff Writer in Daily Dose, Featured, News, Technology Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: Reform is on the Horizon: Watt & Mnuchin Assess Next: Study: Tax Reform Will Increase Homeownership Burden 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 May 18, 2017 2,940 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago On Wednesday, in response to recent Ransomware attacks across over 150 countries around the world including the publicized DocuSign hack reported, Fitch Ratings issued a press release reminding information technology (IT) companies in the mortgage finance industry the importance of remaining vigilant in the ever-present need for regular security testing. Because of the sheer quantity of money that flows through the mortgage finance industry, as well as the sensitivity of information that could be mined by potential hackers, servers will forever be at a high risk of breach. Names, social security numbers, telephone numbers, emails, and addresses are all easily exploited pieces of information that could be targeted by hackers and malware. In addition, new information has been brought to light that certain malware will invade the host computer and use vital resources to mine for certain types of cryptocurrency without the user’s knowledge. Fitch Ratings continues to monitor third party IT infrastructure to ensure appropriate oversight of security, including proper staffing of qualified employees and timeliness of both software and hardware updates and testing. Fitch Reporting has reached out to all servicers in Europe, the Middle East, and Africa that handle both commercial and residential mortgages, and they have reported that operations have not been effected. Some said that additional security measures have been put in place to help prevent further attacks. This, according to Fitch’s official report, “is consistent with our view . . . that servicers should have appropriate plans in place to maintain critical systems which might come under threat from an emergency.” It is of the upmost importance that IT departments remain up to date on the latest trends regarding security risks to their data centers. If threats arise faster than the company can prevent them, those responsible for safeguarding the sensitive personal information of mortgage holders will forever be playing catch up.  Print This Post Subscribe Tagged with: information Security Technology Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Fitch Ratings Warns Servicers Against Ignoring Security Testing Share Savelast_img read more

Study: Minority Rental Investors More Likely to Struggle

first_img Demand Propels Home Prices Upward 1 day ago The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily Study: Minority Rental Investors More Likely to Struggle September 24, 2020 1,018 Views Previous: Where Each Presidential Candidate Stands on Housing Next: Study Shows Americans Ill-Prepared for Flooding Subscribe Related Articles Share Save in Daily Dose, Featured, Government, News About Author: Christina Hughes Babb 2020-09-24 Christina Hughes Babb  Print This Post Data Provider Black Knight to Acquire Top of Mind 1 day ago Servicers Navigate the Post-Pandemic World 1 day ago Demand Propels Home Prices Upward 1 day ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly,, Dallas Observer, Edible, and the Dallas Morning News, among others. Home / Daily Dose / Study: Minority Rental Investors More Likely to Struggle Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 1 day ago Several reports have identified the needs of renters amid a nationwide pandemic. Now information is beginning to emerge  related to its impact on investors. In fact, a new Urban Institute report by Research Fellows Laurie Goodman and Jung Hyun Choi indicates that not only do Black and Hispanic rental investors face increasing economic struggles due to COVID-19, but also this minority group of landlords is more likely to assist their own tenants than are their White and higher-income counterparts.”We found that Black and Hispanic landlords are struggling to pay their mortgages more than white landlords and are more apt to take mortgage forbearance,” the researchers reported. “Despite the struggles, Black and Hispanic landlords are more likely to offer their tenants a rent payment plan, suggesting these landlords are dedicated to keeping their tenants.”The survey suggested that a third or more of surveyed landlords earned a majority of their income from rental properties, and that Black and Hispanic landlords reportedly “have lower incomes,” “own fewer properties,” and “are more likely to have a mortgage than own their building outright.”As a result, the researchers said, “Black and Hispanic landlords are more likely to struggle to make their mortgage payments.””Owning fewer properties makes it harder to diversify risk and increases the financial volatility of rental income when a crisis hits,” they said, pointing out a “10 percentage-point gap between the shares of White and Black landlords with incomes below $75,000 and a slightly smaller gap between White and Hispanic landlords.”And that, “Nearly half of Hispanic landlords own only one property and 40% of Black landlords own only one property (versus 32% of white landlords). White landlords have five or more properties more often as well.”The study revealed that 12% of all landlords with a mortgage are in forbearance. Those in forbearance are disproportionately Black and Hispanic, the researchers said, “reflecting their less stable financial situation compared with white landlords. About 20% of Black landlords, 14% of Hispanic landlords, and 9% of white landlords have at least one mortgage in forbearance.”Even with an “unsteady financial situation,” Urban Institute reported, “more Black and Hispanic landlords offered rent payment plans to their tenants than white landlords. Overall, 38% of landlords offered rent payment plans to their tenants, with 61% of tenants accepting the offers.The Urban Institute suggested that minority and struggling investors need more support from their government.”[Tenants’] inability to pay rent will affect mom-and-pop landlords with fewer than 10 rental units, who own slightly more than half of all rental units. Without government support for rental payments, by direct payment to either the tenant or the landlord, these small operators may not be able to continue making their mortgage payments and keep their tenants housed,” wrote Choi and Goodman. “The extension of eviction moratoriums will help tenants stay in their homes longer, but for many landlords who are struggling to make their mortgage payments and are disproportionately people of color, there needs to be additional policies to alleviate their financial burdens. “Their full report is available at The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 1 day agolast_img read more

Donegal TD warns people may take the law into their own hands if garda…

first_img Google+ Donegal TD warns people may take the law into their own hands if garda resources are not increased Pinterest LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Google+ Calls for maternity restrictions to be lifted at LUH WhatsApp By News Highland – February 20, 2014 News Facebook Twitter A Donegal TD has warned that if Gardai in Donegal are not given extra resources then people might start taking the law into their own hands.There has been a spate of break-ins in Donegal in recent months.A number of calls have been made for the Justice Minister to increase Garda resources here, but local senior gardai back the minister’s claim that there are sufficient policing resources in Donegal.Deputy Padraig MacLochlainn says if these calls keep being ignored, then people could turn to vigilantism:[podcast][/podcast]center_img Pinterest Previous articleRehab CEO Angela Kerins to go before PAC next weekNext articleOireachtas committee holding cross border discussions in Derry and Letterkenny News Highland Guidelines for reopening of hospitality sector published WhatsApp Three factors driving Donegal housing market – Robinson RELATED ARTICLESMORE FROM AUTHOR Facebook Twitter Almost 10,000 appointments cancelled in Saolta Hospital Group this week Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margeylast_img read more

Government to create 20,000 manufacturing jobs by 2016

first_img Almost 10,000 appointments cancelled in Saolta Hospital Group this week Pinterest Pinterest Facebook WhatsApp Guidelines for reopening of hospitality sector published Calls for maternity restrictions to be lifted at LUH Twitter Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margey Google+ Need for issues with Mica redress scheme to be addressed raised in Seanad also Previous articleMore government ministers have moved to play down speculation of an easing of austerity in the October Budget.Next article14 patients on trolleys at Letterkenny General Hospital News Highland center_img LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Government to create 20,000 manufacturing jobs by 2016 Facebook RELATED ARTICLESMORE FROM AUTHOR By News Highland – April 22, 2013 News The government has announced plans to create an additional 20,000 jobs in the manufacturing sector by 2016. Jobs Minister Richard Bruton and Education Minister Ruairi Quinn have published strategies under the Action Plan for Jobs.A new start-up fund run by Enterprise Ireland, new supports targeted at engineering firms and better training for skills shortages in the manufacturing sector are included.Last year Minister Bruton tasked a group led by industry experts with coming up with a plan to deliver on the government target of 20,000 additional jobs in the sector. The strategies launched today, prepared by Forfás and the Expert Group on Future Skills Needs, are aimed at delivering on that.Key actions are proposed across a range of areas, including; access to new funding, management training and support, costs reduction and technology adoption.Among the specific measures proposed are:-A new Start-up Fund run by Enterprise Ireland specifically targeting supports for new manufacturing start-ups;-Enterprise Ireland to introduce a new Capability Fund to support capital investment by manufacturing companies;-EI and IDA to target additional financial supports for R&D investment specifically targeted at engineering firms;-A new National Step Change Initiative available to all EI and IDA client companies that will systematically support manufacturing companies to expand their client base through staff training and Peer Learning and improve their adoption of new technologies and embrace R&D-Better targeting of training at skills shortages in the manufacturing sector through the implementation of the Manufacturing Skills study.-The announcement was made by Jobs Minister Richard Bruton and Education Minister Ruairi Quinn.”The end of industry was an Anglo-Saxon fad; Mrs. Thatcher effectively closed down manufacturing in Britain and the assumption as that you couldn’t manufacture profitably in Europe” Mr. Quinn said.”Well the Germans and the Swiss and a whole lot of other people – like the Danes and the Finns – have showed that you can do that”.”This is an example of just how that can be done, and we’re going to do it for the 21st century” he added. WhatsApp Google+ Twitterlast_img read more