Ireland Blyth Limited (IBL.mu) Q12020 Interim Report

first_imgIreland Blyth Limited (IBL.mu) listed on the Stock Exchange of Mauritius under the Financial sector has released it’s 2020 interim results for the first quarter.For more information about Ireland Blyth Limited (IBL.mu) reports, abridged reports, interim earnings results and earnings presentations, visit the Ireland Blyth Limited (IBL.mu) company page on AfricanFinancials.Document: Ireland Blyth Limited (IBL.mu)  2020 interim results for the first quarter.Company ProfileIreland Blyth Limited is a company based in Mauritius and operates as a subsidiary of Compagnie d’Investissement et de Développement Limitée, since its acquisition in 2016. The company has running activities in the sectors of commerce, engineering, financial services, logistics, aviation, shipping, retail, and seafood and marine where services in the distribution and marketing of products such as frozen foods, pharmaceuticals and wellness products, and medical equipment, as well as offers warehousing and logistics support services are provided. Ireland Blyth Limited also supplies industrial chemicals and equipment, as well as engages in crop protection, agriculture, and irrigation systems, the sale of construction and material handling equipment. The company also provides solutions for electrical installations, refrigeration equipment, power management systems, construction tools, abrasives, and building materials, as well as provides mechanical, electrical, plumbing, and fit out solutions. Ireland Blyth Limited is listed on the Stock Exchange of Mauritius.last_img read more

Protecting wetlands helps communities reduce damage from hurricanes and storms

first_img Please enter your name here TAGSHurricane Season 2018theconversation.comwetlands Previous articleApopka fire crew and OCSO deputies sent to panhandle to assist with Hurricane MichaelNext articleBiography of an Apopka icon: The life and times of Billie Dean coming in 2020 Denise Connell RELATED ARTICLESMORE FROM AUTHOR Support conservation and fish with NEW Florida specialty license plate Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 You have entered an incorrect email address! Please enter your email address here Please enter your comment! LEAVE A REPLY Cancel reply The Anatomy of Fear Hurricane Season 2018By Siddharth Narayan, Postdoctoral Fellow, Coastal Flood Risk, University of California, Santa Cruz, and Michael Beck, Research Professor, University of California, Santa Cruz and first published on theconversation.com.2017 was the worst year on record for hurricane damage in Texas, Florida and the Caribbean from Harvey, Irma, and Maria. We had hoped for a reprieve this year, but less than a month after Hurricane Florence devastated communities across the Carolinas, Hurricane Michael has struck Florida.Coastlines are being developed rapidly and intensely in the United States and worldwide. The population of central and south Florida, for example, has grown by 6 million since 1990. Many of these cities and towns face the brunt of damage from hurricanes. In addition, rapid coastal development is destroying natural ecosystems like marshes, mangroves, oyster reefs and coral reefs – resources that help protect us from catastrophes.In a unique partnership funded by Lloyd’s of London, we worked with colleagues in academia, environmental organizations and the insurance industry to calculate the financial benefits that coastal wetlands provide by reducing storm surge damages from hurricanes. Our study, published in 2017, found that this function is enormously valuable to local communities. It offers new evidence that protecting natural ecosystems is an effective way to reduce risks from coastal storms and flooding.Coastal wetlands and flood damage reduction: A collaboration between academia, conservation and the risk industry.The economic value of flood protection from wetlandsAlthough there is a broad understanding that wetlands can protect coastlines, researchers have not explicitly measured how and where these benefits translate into dollar values in terms of reduced risks to people and property. To answer this question, our group worked with experts who understand risk best: insurers and risk modelers.Using the industry’s storm surge models, we compared the flooding and property damages that occurred with wetlands present during Hurricane Sandy to the damages that would have occurred if these wetlands were lost. First, we compared the extent and severity of flooding during Sandy to the flooding that would have happened in a scenario where all coastal wetlands were lost. Then, using high-resolution data on assets in the flooded locations, we measured the property damages for both simulations. The difference in damages – with wetlands and without – gave us an estimate of damages avoided due to the presence of these ecosystems.Our paper shows that during Hurricane Sandy in 2012, coastal wetlands prevented more than US$625 million in direct property damages by buffering coasts against its storm surge. Across 12 coastal states from Maine to North Carolina, wetlands and marshes reduced damages by an average of 11 percent.These benefits varied widely by location at the local and state level. In Maryland, wetlands reduced damages by 30 percent. In highly urban areas like New York and New Jersey, they provided hundreds of millions of dollars in flood protection.Wetland benefits for flood damage reduction during Sandy (redder areas benefited more from having wetlands). Narayan et al., Nature Scientific Reports 7, 9463 (2017)., CC BYWetlands reduced damages in most locations, but not everywhere. In some parts of North Carolina and the Chesapeake Bay, wetlands redirected the surge in ways that protected properties directly behind them, but caused greater flooding to other properties, mainly in front of the marshes. Just as we would not build in front of a seawall or a levee, it is important to be aware of the impacts of the building near wetlands.Wetlands reduce flood losses from storms every year, not just during single catastrophic events. We examined the effects of marshes across 2,000 storms in Barnegat Bay, New Jersey. These marshes reduced flood losses annually by an average of 16 percent, and up to 70 percent in some locations.Reductions in annual flood losses to properties that have a marsh in front (blue) versus properties that have lost the marshes in front (orange). Narayan et al., Nature Scientific Reports 7, 9463 (2017)., CC BYIn related research, our team has also shown that coastal ecosystems can be highly cost-effective for risk reduction and adaptation along the U.S. Gulf Coast, particularly as part of a portfolio of green (natural) and gray (engineered) solutions.Reducing risk through conservationOur research shows that we can measure the reduction in flood risks that coastal ecosystems provide. This is a central concern for the risk and insurance industry and for coastal managers. We have shown that these risk reduction benefits are significant and that there is a strong case for conserving and protecting our coastal ecosystems.The next step is to use these benefits to create incentives for wetland conservation and restoration. Homeowners and municipalities could receive reductions on insurance premiums for managing wetlands. Post-storm spending should include more support for this natural infrastructure. And new financial tools such as resilience bonds, which provide incentives for investing in measures that reduce risk, could support wetland restoration efforts too.The dense vegetation and shallow waters within wetlands can slow the advance of storm surge and dissipate wave energy. USACEImproving long-term resilienceIncreasingly, communities are also beginning to consider ways to improve long-term resilience as they assess their recovery options.There is often a strong desire to return to the status quo after a disaster. More often than not, this means rebuilding seawalls and concrete barriers. But these structures are expensive, will need constant upgrades as sea levels rise, and can damage coastal ecosystems.Even after suffering years of damage, Florida’s mangrove wetlands and coral reefs play crucial roles in protecting the state from hurricane surges and waves. And yet, over the last six decades, urban development has eliminated half of Florida’s historic mangrove habitat. Losses are still occurring across the state from the Keys to Tampa Bay and Miami.Protecting and nurturing these natural first lines of defense could help Florida homeowners reduce property damage during future storms. In the past two years, our team has worked with the private sector and government agencies to help translate these risk reduction benefits into action for rebuilding natural defenses.Across the United States, the Caribbean and Southeast Asia, coastal communities face a crucial question: Can they rebuild in ways that make them better prepared for the next storm, while also conserving the natural resources that make these locations so valuable? Our work shows that the answer is yes. Share on Facebook Tweet on Twitter Save my name, email, and website in this browser for the next time I comment.last_img read more

House at León / Alarcón + Asociados

first_img 2009 Projects Houses “COPY” CopyAbout this officeAlarcón + AsociadosOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesDabasLeónHouses3D ModelingSpainPublished on September 26, 2011Cite: “House at León / Alarcón + Asociados” 26 Sep 2011. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogAluminium CompositesTechnowoodWood Siding in KSR Villa BodrumWindowsMitrexSolar WindowMetal PanelsAurubisCopper Alloy: Nordic RoyalVentilated / Double Skin FacadeSTAC BONDAssembly Systems – GluedLightsLouis PoulsenLamps – LP Slim BoxUrban ApplicationsIsland Exterior FabricatorsPublic Safety Answering Center II Envelope SystemPodsTrimoModular Space SolutionsHanging LampsAxolightPendant Lights – HoopsStonesFranken-SchotterFlooring and Wall Tiles – Dietfurt LimestoneVentilated / Double Skin FacadeULMA Architectural SolutionsPaper Facade Panel in Nokia LibraryCabinetsburgbadWall Cabinet – Sys30AcousticUnika VaevAcoustics – Ecoustic® Foliar TileMore products »Read commentsSave想阅读文章的中文版本吗?莱昂的一处住宅 / ALARCÓN + ASOCIADOS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 ArchDaily Architects: Alarcón + Asociados Area Area of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/171423/house-at-leon-alarcon-asociados Clipboard “COPY” House at León / Alarcón + Asociados ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/171423/house-at-leon-alarcon-asociados Clipboard Area:  310 m² Year Completion year of this architecture project Photographs:  Pablo Cruz, Alberto AlarcónText description provided by the architects. This project is a home that was easily built on a low budget with minimum effort and total warranty. Save this picture!© Pablo CruzRecommended ProductsWoodLunawoodThermo Timber and Industrial ThermowoodWoodAccoyaAccoya® CanalsFiber Cements / CementsSwisspearlSwisspearl Largo Fiber Cement PanelsWoodBlumer LehmannFree Form Structures for Wood ProjectsThe spatial model was inspired by traditional chinese architecture with three linked rooms building a domestic space. The rooms are linked yet separated. As the result of the spacial game, the room, which was modified during construction, is not directly represented by the final skyline. Save this picture!© Pablo CruzThis is a sustainable and low energy home that is warm during the winter while cool in the summer.Save this picture!© Pablo CruzProject gallerySee allShow lessRensselaer Polytechnic Institute Fall 2011 Lecture SeriesArticles2011 ECCS Structural Steel Design Award / JDS ArchitectsArticles Share Spain Photographs CopyHouses•León, Spain Save this picture!© Pablo Cruz+ 17 Share House at León / Alarcón + AsociadosSave this projectSaveHouse at León / Alarcón + Asociados Year: last_img read more

Comarina House / Cidadela Arquitetos

first_img Year:  Projects Brazil ArchDaily Houses Comarina House / Cidadela ArquitetosSave this projectSaveComarina House / Cidadela Arquitetos “COPY” Area:  215 m² Year Completion year of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/944893/comarina-house-cidadela-arquitetos Clipboard CopyAbout this officeCidadela ArquitetosOfficeFollowProductsGlassConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesBrazilPublished on August 09, 2020Cite: “Comarina House / Cidadela Arquitetos” [Casa Comarina / Cidadela Arquitetos] 09 Aug 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogAluminium CompositesTechnowoodHow to Design a Façade with AluProfile Vertical ProfilesGlassMitrexSolar GreenhouseMetal PanelsAurubisOxidized Copper: Nordic BrownDoorsEGGERWood Laminate Doors in Molecular Plant Science InstituteStonesCosentinoSurfaces – Silestone® Nebula SeriesWall / Ceiling LightsLouis PoulsenLamp – LP RiplsWood Boards / HPL PanelsBruagRoom Dividers – Partition Wall MDFStonesNeolithSintered Stone – Mar del PlataWindowspanoramah!®ah! SecurityPanels / Prefabricated AssembliesULMA Architectural SolutionsMIS Facade PanelCarpetsFabromont AGTextile Floor Covering – Orbital® 07 COLORpunkt®LightsNorka lightingLuminaire – BelfastMore 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 stream 2020center_img Comarina House / Cidadela Arquitetos CopyHouses•Aruana, Brazil “COPY” Photographs:  Fernanda Passos Manufacturers Brands with products used in this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/944893/comarina-house-cidadela-arquitetos Clipboard Photographs Manufacturers: AutoDesk, Blindex, Casa das pedras, Cristallux, Deca, Dimibu, Diviart, FM Mix, Hiper Ferragens J Alves, Marmoraria Sergipe, Passos Portas, Revest vidro, Terminox, Tramontina, TrimbleLead Engineers:Ítalo Motta, Fernanda PassosStructural Engineering:José Francisco de Castro SerraPlumbing And Drainage Engineering:Adriano Gonçalves dos Anjos OliveiraElectrical Engineering And Structured Cabling:Henrique Santos RibeiroCollaborating Contractors:José Roberto Santos Souza, Francisco de SouzaCity:AruanaCountry:BrazilMore SpecsLess SpecsSave this picture!© Fernanda PassosRecommended ProductsCeramicsTerrealTerracotta Baguettes in Vork CenterCeramicsGrespaniaWall Tiles – Wabi SabiEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsMetallicsStudcoWall Stop Ends – EzyCapText description provided by the architects. This house was designed for a plot of land that has sizes and outlines very different from the typical geometry of the other properties of the residential complex located in the beach area of Aracaju, Brazil. The house relies on a simplified design that balances the various influences and circumstances established during the conceptual process. The architectural program is distributed along three sections highlighted between thresholds, along the lengthiest, horizontal axis of the lot. Accordingly, the first section is spatially and visually related to its adjacent threshold, as well as to the central area, and provides a place for more intense social activities. The third section, composed of bedrooms, more reserved spaces, is directly attached to the threshold that goes along it.Save this picture!© Fernanda PassosSave this picture!FloorplanSave this picture!© Fernanda PassosThe central section is marked by emptiness, which allows for greater contact area between the facades and the winds blowing from the east and southeast. In the middle, there is yet another division, starting right in front of the building, a garage that camouflages itself, and in the absence of cars, turns into an even more welcoming courtyard; following, a walkway covered by wooden sun baffles partially reveals what is hidden between the gaps and provides cross-ventilation to the backside; at the back, an open patio connects the swimming pool with the large living room space.Save this picture!© Fernanda PassosSave this picture!ModelSave this picture!© Fernanda PassosThe architectural concept works alongside the concrete structure sketching, resulting in lighter volumes by lifting the building from the ground and providing a more subtle design for the water tanks. Overall, the entire house space is set between two solid concrete slabs, with their beams facing the external parts.Save this picture!© Fernanda PassosThe water tanks are placed over one of the edge beams in the central bedroom, very close to the middle of the span. To preserve the authenticity of the materials and achieve natural architecture and aesthetics, the mostly white house also features wood and glass walls, Portuguese limestone paving, terrazzo flooring, and raw concrete pillars and slabs. One can say that this architecture is marked by a certain logic that reveals itself through a series of studies or researches while knowing the place, the people, the circumstances, and the building techniques. It has a certain intention of being long-lasting… by the simple fact of being grounded.Save this picture!© Fernanda PassosProject gallerySee allShow lessDe Lemos / Carvalho AraújoSelected ProjectsMountain House / ArchholiksSelected Projects Share Save this picture!© Fernanda Passos+ 37Curated by Matheus Pereira Share Architects: Cidadela Arquitetos Area Area of this architecture projectlast_img read more

A Handbook of School Fundraising

first_imgA Handbook of School Fundraising Howard Lake | 26 October 2007 | News  15 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 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.last_img read more

TCU baseball finds their biggest fan just by saying hello

first_imgFacebook Linkedin Facebook Lindsey Bakonyihttps://www.tcu360.com/author/lindsey-bakonyi/ Linkedin TCU student helps open up a new coffee shop in Fort Worth First-year experience at TCU Twitter Previous articleHoroscope: April 23, 2021Next articleHistorical findings, plans for action announced at TCU’s first ‘Reconciliation Day’ Lindsey Bakonyi RELATED ARTICLESMORE FROM AUTHOR Lindsey Bakonyihttps://www.tcu360.com/author/lindsey-bakonyi/ TCU Frog Camps returning to more traditional look this summer Twitter World Oceans Day shines spotlight on marine plastic pollution center_img printLibby Rosonet and her five-year-old daughter Tegan’s typical walking route includes walking past Lupton Stadium, where they sometimes run into baseball players leaving practice. Tegan started to wave and say hello when she saw the players, and they waved back. “Tegan, being the friendly kiddo she is, would always wave and say, ‘Hey’ and, they were always really kind and would wave back and say, ‘Hey’,” Rosonet said. The greetings quickly won the little girl’s devotion. Brayden Taylor, a first-year third baseman, introduced himself as he was leaving one preseason practice. Tegan wearing her homemade Brayden Taylor fan jersey. Photo provided by Libby Rosonet.“That was all it took for Tegan to have a favorite player,” Rosonet said. Tegan has declared herself Taylor’s number one fan. She calls him “B,” and has made posters and t-shirts with his name and number on them.Olivia Lord, a manager for the team, saw the homemade jersey and connected Tegan to Brayden for them to get a picture after the game. Tegan declared it the best day of her life.She also knows the starting line-up and will mention things like: “Phillip Sikes is playing well.” “When is Hunter Wolfe up?” “I hope Gene Wood’s wrist is okay.” “Zach Humphreys plays catcher.” “Luke Boyers bats before Brayden.” “Haylen Green told me he liked my scooter helmet.”A team worthy of admirationRosonet said she was so appreciative of the team’s attitude toward Tegan that she emailed head coach Jim Schlossnagle at the beginning of February telling him about the kindness of the players.Tegan pictured with some of her bedroom Frogball fan decorations. Picture courtesy of Libby Rosonet. She told him that she used the encounters to talk with her daughter about working hard to achieve goals and using passion and gifts to their fullest potential.Schlossnagle responded almost right away, asking for permission to forward the email to his team. He also asked for the family’s address so he could send Tegan some autographed Frogball goodies. “For Tegan, that was the greatest thing to ever happen to her, and she absolutely adores Coach and the team,” Rosonet said. Since then, Schlossnagle invited Tegan to come to watch a practice from the stands and the players continue to talk to her after their practices. Tegan also received two warm-up balls for her birthday from the team. Tegan and her mom try to go to as many games as possible. If it was up to Tegan, they would be at every game.“We didn’t become TCU baseball fans because of the way they played or the success they have. We became TCU baseball fans because of their kindness off the field,” Rosonet said. “In a time of uncertainty and so much change, they became a constant for her, a way for her to feel seen and known. As a mom living far away from her family and close friends, there aren’t words to truly express my appreciation for that.” TCU baseball’s self-proclaimed biggest fan of the team both on and off the field. (Photos courtesy of Libby Rosonet) Lindsey Bakonyihttps://www.tcu360.com/author/lindsey-bakonyi/ Lindsey Bakonyi TCU places second in the National Student Advertising Competition, the highest in school history Social media post helps former TCU Showgirl launch a jewelry and clothing line Lindsey Bakonyihttps://www.tcu360.com/author/lindsey-bakonyi/ ReddIt + posts ReddIt Welcome TCU Class of 2025last_img read more

Ripple Effect

first_img Related Articles Editor’s note: This story was originally featured in the March issue of DSNews, out now.When the Tax Cuts and Jobs Act went into effect, many in the industry began to speculate what impact this would have on home prices, sales, and business confidence. While the industry is already feeling the change, the tax code isn’t the complete game changer some have claimed it is.National home prices are still expected to grow–just at a slower rate. The impact varies substantially by region and sub-market, with low-cost markets getting a minor boost and upper-middle class and high-tax markets being hit on multiple fronts. The changes, particularly the limits on deductions, make renting relatively more attractive for high-income households. So it follows that the future homeownership rate will be slightly lower relative to what it would have been under the old rules.Home-price growth is likely to continue because of strong underlying housing-market fundamentals and a strengthening world economy that is finally firing on all cylinders. Fundamental factors such as strong job growth, low interest rates, and a shortage of homes for sale outweigh the weaker incentives for homeownership in the new tax code in the vast majority of areas.While many economists think a strong economy is a wrong point in the business cycle for a tax cut, the timing works well for the housing market. Since rapid national home-price growth over the past five years (5 to 7 percent a year) has far outpaced the 2 to 3 percent annual income growth, some cooling of the housing market isn’t as bad as it sounds. It might even help prevent housing markets from overheating.A Closer Look at the Pros and ConsThe most  important impacts of the new tax law on housing include the following:PROSIncreased business confidence (which also was helped by a push for regulatory relief). Higher confidence supports continued strong hiring and increased capital spending, which has been relatively weak over the past decade. However, the incremental economic growth attributable to the tax bill will be modest. Estimates of the total increase in Gross Domestic Product over the next 10 years are typically under 1 percent.Lower taxes for most people could stimulate demand, at least in lower-cost markets where fewer people itemize their taxes. Also helped is the tiny segment at the other extreme: The ultra-high-end luxury housing segment may benefit due to lower taxes for those who can structure their income into pass-through companies.CONSInterest rates will be higher, all else being equal. That is because the U.S. Treasury will increase borrowing by $1.5 trillion over 10 years. Borrowing will be even greater if individual tax cuts are made permanent or if there’s a recession. Recently, we’ve seen rates increase about a quarter of a percentage point.Limitations on the deductibility of state, local and property taxes (they went from being unlimited to maxing out at $10,000) mean higher taxes for many in the upper middle class. The result will be a permanent dampening effect in high-cost areas relative to the previous tax rules.Fewer people will itemize, tipping the buy vs. rent calculation in favor of renting for some potential homebuyers. That is because there is no value in the mortgage interest deduction for people who don’t itemize (recall that taxpayers can either take the standard deduction, which is now higher, or itemize, but not both). The drop in the number of people who itemize their taxes is dramatic—one estimate is a decline from around 30 percent of tax filers to approximately 10 percent.Higher-income households are more likely to itemize their taxes and thus are more likely to be hurt by the changes. More than 50 percent of tax returns for households with adjusted gross income between $75,000 and $100,000 include itemized deductions. This statistic varies substantially by state, with Maryland having the highest share at 76 percent, followed by Oregon, Utah, Connecticut, and New York.Mortgage interest deductions are now capped at $750,000 on new loans, down from $1 million. However, the impact is minor compared to the impact of the limits on state and local taxes, since fewer loans are affected and because any loan amount is still deductible up to the new limit. Loans for homes purchased before December 15, 2017, were grandfathered in at the higher limit.Home equity loans are no longer tax-deductible unless they are used to purchase or renovate a home. Previously, borrowers could deduct the interest on home equity loans up to $100,000, depending on their filing status. The home equity deduction was eliminated for both new and existing borrowers, so all home equity loans not used for a purchase or renovation became relatively more expensive on January 1, 2018.More individuals will choose to pay down their mortgages or buy with cash—if they can. This is because the effective after-tax mortgage interest rate will be substantially higher for those who switch from itemizing to using the standard deduction, making borrowing more expensive.Construction of new affordable housing units is likely to drop. It is primarily funded by federal corporate tax offsets, which are now far less valuable because corporate tax rates have decreased from 35 to 21 percent.Because the rules on capital gains (allowing up to $500,000 in tax-free capital gains on a primary residence) did not change, the tax code still favors homeownership, just not as strongly as before.The Regional HitHigh-tax areas in particular face a new, permanent drag on their housing markets that will slow price growth or perhaps even lead to minor declines in a few areas. Most affected are New York, New Jersey, Connecticut, California, and Maryland. Most at risk of falling home prices are Connecticut and New Jersey, where home-price and population growth are already weak and taxes on the upper middle class are substantial.Several different studies estimate that home prices in a few years will be slightly lower compared to what they would have been without the tax changes. Researchers at JPMorgan Chase & Co. put the national impact on home prices at around 1 percent lower than they would have been, and up to 3 percent in some states. Moody’s Analytics estimates national home prices will be around 3 percent lower relative to where they would have been in two years’ time, and up to 10 percent lower around New York City and some parts of Chicago. On the more pessimistic side, the National Association of Realtors (NAR) estimated U.S home prices will only grow 1.9 percent this year (down from 2017’s 5.8 percent median home price growth) because of the tax changes. NAR estimated that high-cost, higher-tax areas will see price declines as a result of the legislation’s new restrictions on mortgage interest and state and local taxes, led by New Jersey (-6.2 percent), the District of Columbia (-4.8 percent), and New York (-4.8 percent). While such declines are possible, we believe the strength of the current housing market will prevent that large of an outright price decline.In addition, the rent vs. buy calculation changes according to income. For example, a family earning $50,000 a year pays less in taxes and probably doesn’t itemize their taxes, so buying is slightly more favorable. However, for a family earning $150,000 a year, the rent level that would tip them in favor of buying is now 25 percent higher.The bottom line is that the benefits of homeownership in comparison to renting are now less favorable for housing, at least for many upper-middle-class households. The changes in the tax law are particularly bad for higher-cost areas because of the larger loss of allowable deductions. It would not be surprising to see increased demand for smaller, cheaper housing and lower demand for larger, more expensive housing. This is likely to result in a lower homeownership rate over time relative to what it would have been.Nearly every housing market is still likely to experience positive home price growth over the next two years, but some high-tax areas, such as Connecticut, New Jersey, New York City, and Chicago may see minor price declines because of the tax changes. We believe strong economic and housing market conditions, such as extremely low unemployment rates and low-interest rates, more than offset the negative tax changes.Ralph DeFranco is Global Chief Economist of the Mortgage Group Arch Capital Services Inc., White Plains, New York. He leads the company’s efforts to forecast regional home prices and develop predictive economic models. He is also the author of “The Housing and Mortgage Market Review,” a quarterly report on the state of the nation’s housing sector based on the findings of the Arch MI Risk Index. Ripple Effect Servicers Navigate the Post-Pandemic World 2 days ago March 27, 2018 3,998 Views Subscribe Borrowers Growth Home Prices Homebuyers HOUSING Lenders loans mortgage Mortgage Interest Tax Cuts taxes 2018-03-27 Radhika Ojha in Daily Dose, Featured, Print Features Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago About Author: Ralph DeFranco  Print This Post Home / Daily Dose / Ripple Effect Share Savecenter_img The Week Ahead: Nearing the Forbearance Exit 2 days ago RALPH DEFRANCO is Global Chief Economist of the Mortgage Group Arch Capital Services Inc., White Plains, New York. He leads the company’s efforts to forecast regional home prices and develop predictive economic models. He is also the author of “The Housing and Mortgage Market Review,” a quarterly report on the state of the nation’s housing sector based on the findings of the Arch MI Risk Index. Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily Tagged with: Borrowers Growth Home Prices Homebuyers HOUSING Lenders loans mortgage Mortgage Interest Tax Cuts taxes The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Previous: The Hidden Costs of Selling a Home Next: The Four U.S. Cities Where Paychecks are Stretching Furthestlast_img read more

Funding for roads in Co Donegal slashed this year by almost €10m

first_imgNews Guidelines for reopening of hospitality sector published LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Previous articleLifeboats in Donegal rescue 68 people in 2012Next articleSinn Fein expresses concern over planned Castlederg flag protest News Highland Pinterest Funding for roads in Co Donegal is being slashed this year by almost €10m.The County’s total national roads allocation for 2013 will be €11.59m, significantly down on last years allocation.In 2012, an initial €21.5 was allocated to local and regional road improvements in Donegal by the National Roads Authority.The bulk of the money went towards necessary improvements and restoration work agreed by the council.Cllr Seamus O’Domnhaill has called the cuts to the county’s roads funding a slash and burn job…[podcast]http://www.highlandradio.com/wp-content/uploads/2013/01/seam830.mp3[/podcast] Pinterest Facebook Twitter WhatsApp Twitter Calls for maternity restrictions to be lifted at LUH center_img Facebook Almost 10,000 appointments cancelled in Saolta Hospital Group this week WhatsApp RELATED ARTICLESMORE FROM AUTHOR By News Highland – January 22, 2013 Google+ 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 Funding for roads in Co Donegal slashed this year by almost €10mlast_img read more

Report into Air Corps fire support delays is published

first_img Facebook Pat the Cope Gallagher added it is self-evident that the massive delays in mobilising of an air crew to fight the wild fires in Donegal last April, was due to lack of an available call up crew,  as there was no standby crew on duty due to cuts in personnel numbers. The further admission contained within the report that it will take some time to return to capability or proficiency levels to have sufficient crews on call or to have the necessary numbers to meet the demands placed on the Aer Corp on occasions or in such instances which arose in Donegal with the wild fires. Twitter By News Highland – May 29, 2019 Google+ AudioHomepage BannerNews Pinterest Important message for people attending LUH’s INR clinic RELATED ARTICLESMORE FROM AUTHOR Google+ Report into Air Corps fire support delays is published In the conclusion of the Report which was compiled on foot of my public request for an explanation in to the over 7 hour delay in getting helicopter cover to fight the wild fires in Donegal , it expresses further concern and states; The full report into why it took so long to secure Air Corps support to fight recent wildfires in Donegal has been published.It concludes that helicopter support was deployed as quickly as possible in the current circumstances, but the capability of the Air Corps is diminished with the loss of experienced personnel. Every effort is being made to return to full capability, the report acknowledges but that will take some time.Donegal Deputy Pat the Cope Gallagher says the government must immediately put in place a programme for restoring numbers within the Air Corps to ensure such delays never happen again.In the meantime, he says current protocols should be changed to facilitate the emergency drafting in of private helicopters if the Air Corps cannot respond immediately………………Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2019/05/copefireweb.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Pinterest Loganair’s new Derry – Liverpool air service takes off from CODA Arranmore progress and potential flagged as population grows It will also be necessary in the future, even though it was not mentioned in the report that if delays of longer than one hour occur then the Department of Defence should be obliged to call in helicopters from the private sector; this was very successfully done by Donegal County Council in order to fight the recent fires.Therefore, I am proposing that the current protocols are amended to facilitate the emergency drafting in of private helicopters. It is critical once the alarm is raised by the local authority fire services that no time is wasted in getting a helicopter out to fight these wild fires otherwise we run the risks of serious fire damage and the potential loss of life concluded Pat the Cope.   Deputy Pat the Cope Gallagher Leas Cheann Comhairle has received a full copy of the report into the delays in getting air cover to fight the recent Donegal Wild Fires.I had raised the matter with An Taoiseach Leo Varadkar in the Dáil immediately after the outbreak of the wildfires fires, and after some delay on the matter the report was recently furnished to me by An Taoiseach.Whilst I accept that procedures were fully followed in the initial raising of the alarm and that the Aer Corp immediately moved to assemble a crew but unfortunately there were no crews on call or on standby due to cuts in numbers of fully trained crews available to the Aer Corp at present added Pat the Cope.The report furnished to me directly references the call from assistance from Donegal Fire Officers; (on page two, contained in part 8 of report) and I quote: WhatsApp In no way diminishing the concerns caused by the recent fire event, Defence Forces helicopter support was deployed as quickly as possible in the current circumstances for an “as available” capability. The capability of the Air Corps is diminished with the loss of experienced personnel. The Emergency Aeromedical Service (EAS) and Garda Air Support Unit (GASU ) are prioritised. Every effort is being made to return to full capability and to manage risk. A return to capability will take some time. Previous articleDonegal based Garda bids for Tribunal findings to be quashedNext articleSwimming lessons will be offered at Malin Head pier this year News Highland Pat The Cope Gallagher statement in full -Report into helicopter cover delay for Donegal Wild Fires apportions blame to lack of crews on standby rota – Pat the Cope.Concerns also expressed that less personnel mean return to full capacity will take some time – News, Sport and Obituaries on Monday May 24th WhatsApp The request for helicopter fire support was actioned immediately on receipt in the Department of Defence from the National Directorate of Fire and Emergency Management (DHPLG). The Air Corps have confirmed that they moved immediately to assemble a crew. This required pilots and crew with the necessary training on the use of the specialised firefighting equipment (bambi bucket). This took some time as some of the crew assembled from their time off, but was achieved as quickly as possible in the circumstances. DL Debate – 24/05/21 ENDS29/05/2019 Nine til Noon Show – Listen back to Monday’s Programme I am calling on the Minister for Defence and An Taoiseach Leo Varadkar to take personal charge of this situation as the line Minister of the Department of Defence and immediately put in place a programme for restoring numbers within the Aer Corp in order that these situations never arise again. Facebook Twitterlast_img read more

Man smashes car windows with tire iron in liquor store attack after parking lot crash

first_imgKTKR(HOUSTON) — Surveillance footage has captured the moment a man unleashed a brutal tire iron attack on another motorist after a car accident in a liquor store parking lot in Houston, Texas.Video shows two men, who were inside the liquor store together before the incident unfolded, getting into their vehicles, and reversing out of their parking spaces at the same time.The victim, who did not wish to be identified, told Houston ABC station KTRK-TV that he didn’t see the other driver and accidentally collided with the other car’s bumper. In the video, the victim is then seen driving back into the parking lot as the suspect does the same.Seconds later, the suspect is seen getting out of his car and smashing two of the victim’s windows, before appearing to lean into the driver’s side window and attempting to hit the driver.“All it took was the lightest of brushes with the car. Literally that’s all it took,” the victim said. “I know that if he did that to me, he is going to do that again someday to someone else.”“You cannot attack people like that. That’s not right,” store manager Kamh Vinh said.The incident, which took place on Wednesday around 7 p.m. in the parking lot of King Cole Liquor in Houston’s Montrose neighborhood, has been reported to police. The victim was not seriously injured.Copyright © 2019, ABC Audio. All rights reserved.last_img read more