Image source: Getty Images. As the RSA share price dips further in the stock market crash, I’d buy Simply click below to discover how you can take advantage of this. Alan Oscroft | Thursday, 30th July, 2020 | More on: RSA Unexpectedly high impairment provisions across the banking sector have dealt a blow to financial stocks this week, as we face the growing possibility of a second stock market crash. Barclays kicked it off on Wednesday, followed by Lloyds the next day. The financial contagion also spread to the insurance business, with Aviva shares down another 4%. And though RSA Insurance Group (LSE: RSA) reported relatively positive figures on Thursday, it didn’t escape. Morning trading sent the RSA share price down 4%, and it’s lost 26% since the start of the year.Though the stock market crash has hit financials hard, RSA’s statutory pre-tax profit for the half fell by only 7% to £211m. But RSA put the underlying figure a lot higher, at £332m for a 14% increase. Underwriting profit was up 33% to £240m, and RSA reported a combined ratio 92.2%. Chief executive Stephen Hester said: “RSA is reporting good growth in underwriting profits for the first half from continued business improvement actions“.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…To put the pandemic effect into some sort of perspective, he added: “COVID-19 impacts on operating profits were broadly neutral in H1, though related financial market charges reduced our statutory results“.No stock market crash dividendI think the most important driver of the RSA share price will be the company’s dividend plans beyond the stock market crash. RSA suspended its final 2019 dividend in line with the PRA’s instructions. Now it says it “expects to resume dividends as soon as judged prudent,” though not just yet. There won’t be a 2020 interim dividend. And that strikes me as a sensible decision as we could still be a long way from the end of the stock market crash.RSA did say the resumption of dividends, assuming no unforeseen events, “should be by the time of full year results 2020“. That’s good as it stands. But what really made me sit up and take notice is the firm’s “aim to catch up on missed dividend payments over time consistent with prudent capital management“.RSA share price recovery?I rarely worry when my share prices fall, even in the current stock market crash. That’s because I invest in dividend stocks. And as long as I’m getting my annual cash, I’m happy. Of course, a lot of us aren’t getting that this year. But catching up on missed payments would mean RSA shareholders will suffer no real income loss. Just a delay. I reckon buying while the RSA share price is down could lock in a terrific income stream for years to come.As with most these days, we have to be very wary of the current forecasts for RSA. A prediction for a 2020 return to pre-suspension dividend levels looked over-optimistic even before the latest update. And now it’s a completely non-starter. Still, a 2021 dividend even just in line with 2019 would yield 5% on the current RSA share price.Combine that with the targeted catch-up dividends, and with RSA being very prudently managed under the guidance of Hester, and I’m seeing an attractive buy for both growth and dividends once the stock market crash is behind us. 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. See all posts by Alan Oscroft Alan Oscroft owns shares of Aviva and Lloyds Banking Group. The Motley Fool UK has recommended Barclays and Lloyds Banking 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Enter Your Email Address “This Stock Could Be Like Buying Amazon in 1997” Our 6 ‘Best Buys Now’ Shares 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.
Year: “COPY” Photographs: Masao Nishikawa Text description provided by the architects. This site is located on a hilltop in one of the eminent Karuizawa villa areas. All directions around the site are clear for view in winter.The villa consists of four parts of floors and four parts of roofs around a central pillar. Save this picture!© Masao NishikawaThe four floors placed on different levels are connected to the surrounding out space through windows in order to give diverse views for the residents. The inner spaces are divided into four parts and, on the other hand, are connected in a spiral around the central pillar. Save this picture!© Masao NishikawaThe four roofs are connected with different angles one another. Sunlight coming through the slits between the roofs highlights the division of the inner spaces.Save this picture!© Masao NishikawaProject gallerySee allShow lessThe Towers of LondonArticlesBotswana Innovation Hub / SHoP ArchitectsArticles Share ArchDaily ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/65220/villa-k-cell-space-architects Clipboard VILLA-K / Cell Space ArchitectsSave this projectSaveVILLA-K / Cell Space Architects Photographs 2010 ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/65220/villa-k-cell-space-architects Clipboard CopyHouses•Karuizawa-machi, Japan VILLA-K / Cell Space Architects Japan Architects: Cell Space Architects Year Completion year of this architecture project Projects Houses “COPY” CopyAbout this officeCell Space ArchitectsOfficeFollowProductsGlassConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesDabasKaruizawa-machiHouses3D ModelingJapanPublished on June 22, 2010Cite: “VILLA-K / Cell Space Architects” 22 Jun 2010. ArchDaily. Accessed 12 Jun 2021.
2011 Projects CopyApartments•Berlin, Germany Photographs: Werner Huthmacher Text description provided by the architects. Context: the volume and massing of the building take their cues from the historic ensemble architecture surrounding the Volksbühne. The facade is entirely excecuted in a single colour, with sublte differences in texture and shade contriving to match and sample the look and feel of the existing neighbourhood. Save this picture!© Werner HuthmacherThe plaster, doors, window frames, blinds, garden stairs and all fixtures and fittings are painted stone gray to match the facade. This rigourous monotone composition also conceptually underlines the tight building envelope required by a zero-energy building. Save this picture!plan 01The composition of the windows serve as a counterpoint to this theme, where the large openings stand proud of the facade, tilted slightly to the side to add rhythm and play to the facade. Reflections of the streetcape are unexpected and askew, the windows become the picture frames of the street. Save this picture!© Werner HuthmacherGallery: the gallery opens up to the street with a large glazed frontage. The visitor is guided down a stair to a large, almost 5m hight exhibition hall, glimpsed from the street and garden with a band of clerestory glazing. Apartment &Maisonettes: the building contains one garden maisonette, one single story appartment, and two penthouse maisonettes. Save this picture!© Werner HuthmacherFixtures and fittings are simple and clear, excecuted in the very highest quality, using the best materials. The apartments have 3m standard ceiling heights, double height spaces of 6.5m – except for the one-storey apartment gallery -, and large glazed openings serve to create generous, light filled living space. Save this picture!plan 02The appartments are concieved as an open sequence of spaces arranged around a central service core containing kitchens, bathrooms and interior stairs. The service cores also house the full height sliding walls that can be pulled out to divide up the spaces as required, allowing for full user customisation of the spaces. Save this picture!© Werner HuthmacherEnergy Concept: the “Passivhaus” is totally energy-optimised. The highly insulated building envelope consists of an eiFs system with 3-way glazing. Room temperature is regulated by a ventilation system with 98% heat recovery. The low remaining heating requirements are served by a geothermal installation and solar collectors on the roof. Save this picture!© Werner HuthmacherPotable water is heated locally in fresh water stations (15% energy savings compared to central heat- ing), other water is provided by a grey water system. A photovoltaic installation on the roof feeds into the grid to offset conventional electric consumption. The large, south facing windows to the street are fitted with reflective blinds to reduce heat gain in the summer and allow solar heat input in winter, as well as offering discretion all year round.Save this picture!sectionsProject gallerySee allShow lessNew Bauhaus Museum / MenoMenoPiu ArchitectsArticles‘Stavia 2012′ Hotel Proposal / Marciano ArchitectureArticlesProject locationAddress:Linienstr. 23, Berlin, GermanyLocation to be used only as a reference. It could indicate city/country but not exact address. Share Contemporary Building in Berlin / BCO Architekten Germany Architects: BCO Architekten Year Completion year of this architecture project Photographs Contemporary Building in Berlin / BCO ArchitektenSave this projectSaveContemporary Building in Berlin / BCO Architekten Apartments Save this picture!© Werner Huthmacher+ 16 Share “COPY” Year: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/219493/temporary-building-in-berlin-bco-architekten Clipboard CopyAbout this officeBCO ArchitektenOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsDabasBerlinHousing3D ModelingGermanyPublished on March 26, 2012Cite: “Contemporary Building in Berlin / BCO Architekten” 26 Mar 2012. ArchDaily. Accessed 11 Jun 2021.
Prince Harry and Meghan Markle have asked people to consider donating to charity instead of buying them a wedding present, Kensington Palace has announced.The couple have selected seven organisations they would like to support, none of which they have formal relationships with but which represent a range of issues that they are passionate about, including sport for social change, women’s empowerment, conservation, the environment, homelessness, HIV and the Armed Forces.The announcement states:“Prince Harry and Ms. Meghan Markle are incredibly grateful for the goodwill shown to them since the announcement of their engagement and are keen that as many people as possible benefit from this generosity of spirit.“The seven charities they have chosen are: Advertisement Royal couple request charity donations not wedding presents Tagged with: Royal Family wedding Dr Amanda Williams, Chair of CHIVA, said:“We are delighted and honoured that Prince Harry and Ms. Meghan Markle have chosen to recognise our work supporting the health and wellbeing of children and young people living with HIV in the UK and Ireland. We are a very small charity and through our work we support over 1,000 young people living with HIV. All donations will make a significant difference to our programmes of work and lead to direct improvements in the lives of these young people.”Suhani Jalota, who founded Myna Mahila in 2015, also commented, saying:“Myna Mahila Foundation is delighted to be a part of this special occasion for Ms. Meghan Markle and Prince Harry. This support will enable us to expand our reach into more urban slums in Mumbai, empowering local women through access to menstrual hygiene products and employment opportunities.”This is not the first time members of the Royal Family have made such a request. Back in 2011, Prince William and Kate Middleton also asked people to donate to charity in lieu of gifts. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis6 CHIVA (Children’s HIV Association)CrisisMyna Mahila FoundationScotty’s Little SoldiersStreetGamesSurfers Against SewageThe Wilderness Foundation UK Melanie May | 11 April 2018 | News 192 total views, 6 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis6 191 total views, 5 views today About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com.
United StatesAmericas Facebook’s Oversight Board is just a stopgap, regulation urgently needed, RSF says to go further Organisation President Trump threatens licenses of “fake news” media On the morning of October 11, NBC News published a story claiming President Trump called for an increase in the US nuclear arsenal. Two hours later, Trump sent out a tweet attacking the network for “fake news.” He then sent an additional tweet suggesting that media licenses should be challenged if they report false information. According to the Federal Communications Commission’s regulations, the FCC does “not license TV or radio networks (such as CBS, NBC, ABC, or Fox) or other organizations with which stations have relationships (such as PBS or NPR), except to the extent that those entities may also be station licensees.” During a press conference in the Oval Office that afternoon, President Trump elaborated, stating “it’s frankly disgusting the way the press is able to write whatever they want to write, and people should look into it.” Later that evening, the President doubled down on his statements, tweeting that revoking a network’s license would be an appropriate way to punish news outlets. His statements have earned him considerable backlash, with the National Association of Broadcasters issuing a statement reminding the President that “the founders of our nation set as a cornerstone of our democracy the First Amendment, forever enshrining and protecting freedom of the press. It is contrary to this fundamental right for any government official to threaten the revocation of an FCC license simply because of a disagreement with the reporting of a journalist.” “The President’s suggestion that media licenses should be challenged or revoked for coverage that he personally dislikes is completely unacceptable,” said Margaux Ewen, Advocacy and Communications Director for RSF’s North America bureau. “If the government of the United States were to proceed in this direction, not only would they be completely disregarding the First Amendment, but they would put themselves in the company of authoritarian governments around the world that control media licenses according to loyalty to the head of state or ruling parliamentary party.” Indiana lawmaker proposes bill to license journalists In light of President Trump’s statements, Indiana lawmaker Jim Lucas discussed a legislative proposal he put forward earlier this year that would require journalists to apply for a license with state police. An exact replica of Indiana’s law for handgun permits, the new legislation would require journalists to pay $75 for a lifetime license subject to suspension, and journalists could be deemed ineligible if they have felony convictions. The bill has not yet been formally introduced, but Lucas has repeatedly spoken of the draft legislation when the issue of gun control has come up, as he states the proposed bill is in response to unsuccessful efforts to repeal the handgun permit law. When asked about his plans to introduce the bill by local newspaper Indystar, he claimed that his decision would depend “on how egregious and irresponsible [journalists] are between now and then.” Many organizations have condemned the proposal, calling it “an absolute non starter” and a threat to free speech. Actor assaults Univision reporter During a red carpet event for a sponsored event on October 10 in Los Angeles, Univision reporter Paco Fuentes was slapped by Mexican soap opera actor Eduardo Yanez after a question about his relationship with his estranged son. Fuentes was taken to the hospital as a precaution, and is pressing charges against Yanez for assault and battery. Univision released a statement condemning the assault: “Univision News demands respect for the physical safety of its reporters and expresses complete disapproval of any senseless act of violence against them. Censorship and acts of violence against journalists are reproachable no matter the source.”This act of assault against a journalist simply doing their job is not an isolated incident. So far this year, there have been at least 29 physical assaults against journalists according to the US Press Freedom Tracker. The frequency of physical acts of aggression towards members of the press is hardly surprising given the anti-press rhetoric that regularly comes out of the White House. President Trump tweets about “Fake News Media” reporting on his Chief of Staff This week the President also focused his attention on news reports stating his Chief of Staff, General John Kelly, was facing pressure to resign. On Tuesday, October 10, Trump reaffirmed his commitment to his Chief of Staff while simultaneously attacking the media for their reporting. During a White House press briefing on Thursday, October 12, General Kelly made a rare appearance to refute claims of his imminent departure from the White House. When asked about the President’s frustrations, he said: “It is astounding to me how much is misreported. I will give you the benefit of the doubt that you are operating off of contacts, leaks, whatever you call them. But I would…say maybe develop some better sources.” ESPN reporter is suspended for tweets critical of NFL team ESPN reporter Jemele Hill has been suspended for two weeks following tweets that criticized NFL Dallas Cowboys owner Jerry Jones and suggested a boycott of Cowboys sponsors. On Monday, October 9, ESPN’s public relations’ Twitter account announced her suspension, claiming this was her “second violation of social media guidelines.” President Trump commented on her suspension with a tweet claiming that ESPN’s ratings were dropping due to Hill’s presence on the network. Last month, President Trump and other White House officials called for Jemele Hill to be fired following her tweets referring to the President as a “white supremacist.” At the time, ESPN stood by Hill, claiming she was entitled to her own opinion as long as she made it clear it did not represent the network’s. Trump criticizes “partisan media” for failure to report on stock market President Trump also took to Twitter to express frustration with what he perceived as a lack of coverage of stock market growth. Contrary to the White House’s assertions, publications like Fox News, the Washington Post, Business Insider, and The Hill, have recently reported on the stock market. President attacks Senator Corker and “failing” New York Times A day after the New York Times published an interview with Republican Senator Bob Corker, who sharply criticized the President for his diplomacy skills and maturity, Trump lashed out at the two on twitter: The NYT responded by stating that both they and Bob Corker’s team wanted to record all conversations to ensure accuracy. The President has previously accused the NYT (often calling them “failing”) of perpetuating false information against him, at least 28 times on Twitter since taking office. The United States ranks 43rd out of 180 countries in RSF’s 2017 World Press Freedom Index after falling 2 places in the last year. For the latest updates, follow RSF on twitter @RSF_en. NSO Group hasn’t kept its promises on human rights, RSF and other NGOs say WhatsApp blocks accounts of at least seven Gaza Strip journalists News Help by sharing this information Follow the news on United States RSF_en News April 28, 2021 Find out more October 16, 2017 US — #WeeklyAddress October 9 – October 15: President threatens to revoke licenses of media networks June 3, 2021 Find out more Below are the most notable incidents regarding threats to press freedom in the US during the week of October 9 – October 15: June 7, 2021 Find out more News News United StatesAmericas Receive email alerts
Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Share Save Fannie Mae Utilizes Technology to Achieve Housing Goals Print This Post Sign up for DS News Daily Fannie Mae has built a strong and flexible technology organization in order to help the Enterprise more efficiently achieve its goals, which are to help provide people with access to affordable mortgage credit and to reduce risk to the taxpayer, according to a commentary from Bruce Lee, SVP and Chief Information Officer at Fannie Mae.”When we announced in December 2014 that Fannie Mae would again purchase loans with as little as 3 percent down payments, our technology organization worked to update our systems quickly so that lenders could begin delivering these loans to us within days,” Lee said. “Thousands of families have benefited from this loan option.”Today, various Fannie Mae technology tools that run on an interconnected technical infrastructure are used by lenders and servicers to help at-risk borrowers prevent foreclosure, to underwrite mortgage loans, and to subsequently check the quality of those loans. Those tools include:Desktop Underwriter (DU), which has been used for more than 20 years, and has been continually enhanced during that time. DU is a comprehensive underwriting system that helps lenders evaluate loans and determine if those loans meet the credit risk standards and eligibility criteria set forth by Fannie Mae. It has helped lenders provide mortgages to millions of Americans at an increased speed and lower cost.Collateral Underwriter (CU), which builds on the success of DU. It helps reduce risk for Fannie Mae and lenders by helping lenders evaluate appraisals for loans and ensuring values are appropriate and property information is accurate. Lee said that CU “is a key part of building a stronger housing system for the future. We recently integrated CU with DU to further support our lenders’ risk management and underwriting capabilities.”EarlyCheck helps lenders identify potential problems earlier in the process, which provides greater certainty that the loan will meet Fannie Mae’s eligibility requirements. Lenders who use EarlyCheck have the opportunity to fix potential issues prior to selling the loan to Fannie Mae, which reduces the risk of repurchase.Servicing Management Default Underwriter (SMDU) helps those who service Fannie Mae loans determine what loss mitigation options are available to borrowers who are struggling to make mortgage payments. With SMDU, servicers can make real-time decisions to help those borrowers prevent foreclosure through any number of loss mitigation options (loan modifications, short sales, repayment plans).Technology is also playing a key role in reducing Fannie Mae’s risk profile, Lee said. “In order to build our Connecticut Avenue Securities (CAS) offering, which allows investors to take some of the credit risk that Fannie Mae traditionally held on loans in its book of business, we had to build a new set of tools, platforms, and reporting capabilities,” he said. “In addition, technologies such as Desktop Underwriter and Collateral Underwriter help to reduce risk on the loans that Fannie Mae acquires. These tools have been instrumental in transferring a portion of the credit risk on nearly $400 billion of mortgages since 2013.” Previous: DS News Webcast: Thursday 9/24/2015 Next: Fannie Mae Completes Risk Sharing Transaction for $7 Billion Worth of Loans in Daily Dose, Featured, News, Technology Tagged with: Fannie Mae Mortgage Credit Access Technology Subscribe Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago September 24, 2015 1,542 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Fannie Mae Utilizes Technology to Achieve Housing Goals About Author: Brian Honea Fannie Mae Mortgage Credit Access Technology 2015-09-24 Brian Honea
Homepage BannerNews By News Highland – October 11, 2018 DL Debate – 24/05/21 Nine til Noon Show – Listen back to Monday’s Programme WhatsApp Google+ Pinterest Pinterest News, Sport and Obituaries on Monday May 24th Twitter WhatsApp Facebook The Board of Management at Gaelscoil Bhun Cranncha says the entire school community has been failed following the sale of the preferred site for the Buncrana Education Campus.In a staterment issued this afternoon, the Board says while a preferred site was selected in 2016, after two long years of meetings, negotiations and planning, there is neither the will nor the commitment to deliver the site, which is the lynch pin of the campus initiative.The statement says they had been led to believe by the Department of Education, even in recent weeks, that negotiations between the County Council and the vendor were reaching a positive conclusion, and they were as shocked as anyone to learn that the site has been sold to a third party.The statement notes that the process of consultation between Donegal County Council and the Department of Education, known as the Memorandum of Understanding, is designed to expedite site acquisition for public buildings. However, the board say it has failed them miserably.The statement concludes “Access to education in an education setting is a fundamental right which is currently being denied our pupils.Our pupils, parents and staff deserve better”. Facebook Gaelscoil Bhun Cranncha Board says “We have been failed” Google+ Previous articleOllie Horgan says decent season counts for nothing in Play-OffsNext articleRuaille Buaille le Colm Feiritéar 9/10/18 News Highland Loganair’s new Derry – Liverpool air service takes off from CODA Twitter Arranmore progress and potential flagged as population grows RELATED ARTICLESMORE FROM AUTHOR Important message for people attending LUH’s INR clinic
Previous article391 new cases of Covid-19 and 15 deaths in Northern IrelandNext articleMain Evening News, Sport and Obituaries Tuesday December 1st News Highland By News Highland – December 1, 2020 Arranmore progress and potential flagged as population grows Pinterest Twitter Loganair’s new Derry – Liverpool air service takes off from CODA Google+ Facebook Two people have been taken to hospital following a crash on the Letterkenny to Ramelton road this afternoon.The collision involving a jeep and a car occurred at around 12:35pm at Aghangaddy Glebe, Ramelton.The driver and front seat passenger of one of the cars were taken to Letterkenny University Hospital with minor physical injuries.Gardai say no other injuries were reported. Google+ Twitter WhatsApp Nine til Noon Show – Listen back to Monday’s Programme Community Enhancement Programme open for applications Homepage BannerNews RELATED ARTICLESMORE FROM AUTHOR Important message for people attending LUH’s INR clinic Pinterest WhatsApp Two taken to hospital following crash on Letterkenny/ Ramelton road Facebook Publicans in Republic watching closely as North reopens further