UK property market stagnant

first_img Wednesday 23 February 2011 6:04 am whatsapp Show Comments ▼ whatsapp More From Our Partners Native American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgFlorida woman allegedly crashes children’s birthday party, rapes teennypost.com‘The Love Boat’ captain Gavin MacLeod dies at 90nypost.comUK teen died on school trip after teachers allegedly refused her pleasnypost.comKamala Harris keeps list of reporters who don’t ‘understand’ her: reportnypost.comMark Eaton, former NBA All-Star, dead at 64nypost.comMatt Gaetz swindled by ‘malicious actors’ in $155K boat sale boondogglenypost.comInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.com980-foot skyscraper sways in China, prompting panic and evacuationsnypost.comKiller drone ‘hunted down a human target’ without being told tonypost.comI blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.com Sharecenter_img by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastPeople TodayNewborn’s Strange Behavior Troubles Mom, 40 Years Later She Finds The Reason Behind ItPeople TodaySerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity TimesBrake For ItThe Most Worthless Cars Ever MadeBrake For ItBetterBe20 Stunning Female AthletesBetterBeautooverload.comDeclassified Vietnam War Photos The Public Wasn’t Meant To Seeautooverload.comElite HeraldExperts Discover Girl Born From Two Different SpeciesElite Herald The UK property market is still stalled, according to figures from the British Bankers’ Association.The BBA said mortgages approved by its members in January for home buyers were 29 per cent lower than a year ago.They approved just 28,932 loans for house purchase, although this was slightly higher than in December.Meanwhile property sales in the UK fell in January to their lowest level for a year, figures from HM Revenue and Customs (HMRC) show.Just 54,000 homes were sold across the UK last month, the smallest number since January 2010.Sales always fall sharply from December to January, traditionally the quietest time of the year for the property market.However, the figures chime with the continued low level of mortgage lending.“We are seeing little change in the borrowing environment for households or businesses at the start of 2011,” said the BBA’s statistics director, David Dooks. UK property market stagnant Tags: NULL John Dunne last_img read more

Unifreight Africa Limited (UNIF.zw) 2008 Annual Report

first_imgUnifreight Africa Limited (UNIF.zw) listed on the Zimbabwe Stock Exchange under the Transport sector has released it’s 2008 annual report.For more information about Unifreight Africa Limited (UNIF.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the Unifreight Africa Limited (UNIF.zw) company page on AfricanFinancials.Document: Unifreight Africa Limited (UNIF.zw)  2008 annual report.Company ProfileUnifreight Africa Limited is a transport holding company in Zimbabwe, offering services in logistics, freight and passenger services to clients in sub-Saharan Africa. The company was re-named after the successful acquisition of Pioneer Corporation Africa Unifreight Africa Limited services include inter-city freight, distribution of general goods and an international courier service. Its brands include Skynet Worldwide Express, Swift and Bulwark. The engineering division operates in two sectors; maintenance of its Unifreight fleet and sales and procurement of parts for Yutong busses, aswell as heavy haulage and abnormal freight transport. Skynet Worldwide Express offers international and domestic courier and airfreight services. Unifreight Africa Limited owns a fleet of vehicles which are available on a contract agreement or for once-off hire. Unifreight Africa Limited is listed on the Zimbabwe Stock Exchangelast_img read more

2 of the best shares to buy now

first_img Roland Head | Sunday, 21st February, 2021 | More on: BME ITV Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Image source: Getty Images 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. An experienced investor once suggested that the best shares to buy now should be the ones I already own. If they’re not, then why do I own them? Although I don’t apply this rule blindly to my portfolio, I do think there’s some truth in this idea.Today, I want to look at two UK shares I own that I’d buy today.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…The picture is improvingIt’s been a tough few years for television group ITV (LSE: ITV). The broadcaster has been battling falling advertising spending and the growth of streaming television services like Netflix. 2020 should have been a year of progress, but expectations were slashed when the coronavirus pandemic disrupted filming schedules and caused ad revenue to slump.A year later, things look better to me. Although filming disruption continues, advertising spend in the final quarter of 2020 was expected to be higher than the same period in 2019. ITV also managed to protect most of its market standing during the nine months to 30 September, maintaining a 22.2% share of UK television viewing.ITV’s share price has doubled from the lows of 50p seen last year. But the shares are still down by nearly 20% on one year ago. Broker earnings forecasts put the stock on 11 times 2021 earnings, with an expected yield of nearly 5%. I think that’s cheap for this business.I’m still concerned about the competitive threat from streaming services and online advertising. But ITV’s online presence is growing, and I believe the group’s business can adapt. At current levels, I see ITV as one of the best shares to buy now.This UK share has beaten supermarket stocksDiscount retailer B&M European Value Retail (LSE: BME) sells a mix of food, household items and other basic goods. The business was classed as an essential retailer and B&M stores have remained open throughout the last year.The company’s sales surged, much like supermarkets. However, one big difference is that B&M’s profit margins are much higher than those of supermarkets. Even before last year’s sales growth, B&M’s operating profit margin averaged about 8.5%. The big supermarkets average about 3%.Higher profit margins generally mean that when sales rise, profits rise more quickly. B&M’s pre-tax profit rose by 122% to £236m during the six months to 26 September.What I don’t know yet is how much of this increase will be ‘sticky’. Will the firm’s new shoppers stick around after lockdown, or go back to shopping elsewhere? City analysts are expecting a small drop in profit next year, as sales stabilise after the pandemic.However, B&M’s management reckon its low prices and fast-changing selection of stock means customers stay loyal and return regularly. So far, they seem to be right. Sales have doubled since 2016. The group is continuing to open new stores across the UK, moving into more upmarket areas.B&M shares have risen by 80% over the last year and now trade on 18 times 2021/22 forecast earnings. That seems fully priced to me. But this business has been very successful in a tough year. I think it could continue to grow.On balance, I still see B&M as one of the best shares to buy now. I intend to hold onto my stock. 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. Roland Head owns shares of B&M European Value and ITV. The Motley Fool UK has recommended B&M European Value and ITV. 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. Enter Your Email Addresscenter_img 2 of the best shares to buy now Simply click below to discover how you can take advantage of this. Our 6 ‘Best Buys Now’ Shares See all posts by Roland Head “This Stock Could Be Like Buying Amazon in 1997” 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.last_img read more

Rugby World – February 2014 edition contents

first_imgLATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Dan Lydiate – Deep in the heart of Paris, Wales’ destructive flanker has started a new life. We meet him there Who will replace Brian O’Driscoll? – We look at the men vying to take over from Ireland’s fabled greatRichie Gray – We also jet out to see why Scotland’s shaggy-haired lock loves the quiet life in CastresBig in 2013: Ben Smith and Richie McCawReview of the Year – Remember that scandalous red card? Forget about that impressive points tally? Well, we’ve gone over all the big news and sensational events of 2013 in our reviewRichie McCaw – The Kiwi captain sits down and faces a barrage of questions from us and you, the readersHSBC Sevens series in Dubai – We head for the UAE to see what’s happening at one of the world’s most jumping sevens events – accompanied by none other than Will Greenwood2014 Wish List – Stephen Jones tells us everything he is hoping for in the upcoming year of rugby, from England coming back stronger to club changes in WalesDave Ewers – Meet Exeter Chiefs’ Zimbabwean powerhouse at the back of the scrumAdvice sectionPro insight – Gregor Townsend on counter-attackFitness – Begin the new year the right wayPro playbook – Making use of scrum positionsMini rugby – How to play Stick in the MudRegularsRugby focus – All the news from the clubs, schools and women’s circuitsEssentials – The latest books and products Huge names: Brian O’Driscoll, Richie Gray, Dan Lydiate and England captain Chris Robshaw in our latest editionYOU may already be into you New Year, New Me campaign but you can always rely on Rugby World. In the new issue we look back at the year that was 2013, its successes and its big changes while also looking forward to all the delights 2014 can bring.We listen out for Robshaw’s roar as the England captain talks us through his battle to prove the doubters wrong, debate who should take over from Brian O’Driscoll as Ireland’s outside centre when he finally hangs up the boots this year and talk to two Lions who have turned their lives upside down by moving to France – Wales and Racing Metro flanker Dan Lydiate and Scotland and Castres lock Richie Gray. Then there is an exclusive chat with Richie McCaw, with the All Blacks legend answering your questions.Tootling off down memory lane, Gavin Mortimer runs us through his review of the year for 2013 – with all the Lions glory and silly shenanigans – while Stephen Jones gives us his serious (and some not so serious) wishes for the year ahead.This is a list of contents – and you can find out where to buy your copy here or download our free magazine finder app here. Plus, if you have an iPad, download the digital edition here or find out about our android version here.SidelinesWe pick out the biggest fixtures of 2014 coming up, predict who will make the last eight of the Heineken Cup, meet Leicester Tigers new wheelchair rugby team, give you details on buying World Cup 2015 tickets, 30 Minutes withOnce a Shark: Brad Barritt during his time in South AfricaLeicester and England hooker Tom Youngs and more.ColumnistsPaul Wallace – Why are the Irish provinces thriving in Europe?Brad Barritt – Saracens’ centre previews a glamour-tie with South Africa’s SharksJonathan Davies – Welsh rugby’s civil warSpotlightsJared Payne – Ireland’s answer? The Ulster back speaksLiam Williams – The larger-than-like full-back lets us into his mindRoss Rennie – Scotland’s talented back-rower is back on the sceneSamu Manoa – The hard-hitting Saint tells us how his Grandma knocked him into lineFeaturesChris Robshaw – It has been a painfully tough year for the England captain, but he has come through it all during the Rugby Championship match between South Africa Springboks and the New Zealand All Blacks at Ellis Park on October 5, 2013 in Johannesburg, South Africa. Uncovered – Recent retiree Dan HipkissTour Tale – Masking disappointment on tourlast_img read more

Six Nations Ireland v France preview

first_img Six Nations Ireland v France previewIreland could not have shown more heart as they went down swinging against Wales last week. However, they desperately need strong leadership as they host France on this Six Nations Sunday.Neither Johnny Sexton or James Ryan have been cleared to take part after undergoing return to play protocols following brain injuries against Wales. Peter O’Mahony is banned after a red-card worthy shocker in Cardiff. And Conor Murray is out too.So as Ireland set out on a collision course with much-vaunted France and their red-hot talents, the hosts must steal themselves.Related: Aaron Smith hails Antoine Dupont as world’s bestUp steps Iain Henderson to skipper the side.And while lineout perfection is a must for Henderson’s horde this weekend, Ireland’s big personalities must learn to make the most of whatever situation they find themselves in. They cannot have any hangovers from last week, either. Because fly-half Billy Burns will be under an intense glare as he tries to navigate his side around their 80-minute journey – he cannot flinch at all with flashbacks of last week’s horror stab at touch.Having played the majority of the match with 14 men following O’Mahony’s 14th-minute red card for dangerous play, Ireland were somehow setting the stage for one of this tournament’s greatest ever comebacks. At the death, they had a penalty, enough time for a final lineout. But substitute fly-half Burns tried to bite off too much and overdid his kick as he aimed for the 5m-line. No lineout; no comeback.It must have felt like Ireland walked under umpteen ladders on the way to the Principality Stadium last week, stepping on black cats all the way.Meanwhile, everything was coming off for France against Italy. Blind, over-the-shoulder offloads from Antoine Dupont were not only setting up tries, but they were expected. The scrum-half was in bullying form, terrifying Italy almost at will. The whole French attack felt fluent throughout the contest.Just this week, former England and Lions prop Alex Corbisiero said on NBC in the States: “If France win (this) game then I’m pretty confident that they will go on and win the tournament – that’s how big a game it is.”The enemy is at the gates for Ireland. They need leaders to stride out and defend their honour. There is a slide to arrest and pride to resuscitate. No wheezing or windmilling will do; you cannot kill off this French side so easily anymore. And given half a chance, they will strike.Here are the competitors.What’s the big team news?Ireland have made four changes to the starting team.With Murray out due to a hamstring injury and no Sexton, Billy Burns lines up at fly-half with Jamison Gibson-Park his half-back partner.Captain Henderson comes off the bench to start and Rhys Ruddock lines up with six on his back. There are further changes on the bench as Ed Byrne, Ultan Dillane, Ross Byrne and uncapped nine Craig Casey coming in.For France, Damien Penaud starts on the wing and Anthony Jelonch comes into the back-row as Fabien Galthie makes two changes to his starting team. Teddy Thomas and Dylan Cretin fall to the bench.The reserves section is where more changes come, with prop Hassane Kolingar replacing the injured Jean-Baptiste Gros and hulking Uini Atonio named ahead Dorian Aldegheri. With a five-three split on the bench, Anthony Bouthier also comes in as Louis Carbonel falls out of the squad completely.Ireland head coach Andy Farrell(Getty Images)What have the coaches said?Ireland head coach Andy Farrell hopes Billy Burns can put last week’s error behind him, saying: “He’s been great. He’s strong, Billy. He’s a proper footballer. Everyone makes mistakes and, at international rugby, he understands the extent of that. But he’s a true professional, his team are right behind him.” Can’t get to the shops? You can download the digital edition of Rugby World straight to your tablet or subscribe to the print edition to get the magazine delivered to your door.Follow Rugby World on Facebook, Instagram and Twitter. LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS What time does it kick off and is it on TV?Ireland v France, Sunday 14 February, Aviva StadiumThe match kicks off at 3pm and will be broadcast live on ITV in the UK and on Virgin One in Ireland, with commentary also on BBC Radio 5 Live and BBC Radio Ulster as well as RTE radio.If you’re outside the UK and Ireland, check out our guide to Six Nations coverage around the world.An all-RFU team takes charge of officiating this one in Dublin. Luke Pearce is the match referee, with Wayne Barnes and Christophe Ridley the assistance. TMO duties will be taken on by Tom Foley.What are the line-ups?Ireland: Hugo Keenan; Keith Earls, Garry Ringrose, Robbie Henshaw, James Lowe; Billy Burns, Jamison Gibson Park; Cian Healy, Rob Herring, Andrew Porter, Tadhg Beirne, Iain Henderson (captain), Rhys Ruddock, Josh van der Flier, CJ Stander.Replacements: Ronan Kelleher, Ed Byrne, Tadhg Furlong, Ultan Dillane, Will Connors, Craig Casey, Ross Byrne, Jordan Larmour.France: Brice Dulin; Damian Penaud, Arthur Vincent, Gael Fickou, Gabin Villiere; Matthieu Jalibert, Antoine Dupont; Cyril Baille, Julien Marchand, Mohamed Haouas, Bernard Le Roux, Paul Willemse, Anthony Jelonch, Gregory Alldritt, Charles Ollivon (captain).Replacements: Pierre Bourgarit, Hassane Kolingar, Uini Atonio, Romain Taofifenua, Dylan Cretin, Baptiste Serin, Anthony Bouthier, Teddy Thomas. Antoine Dupont is tackled by Jamison Gibson Park(Getty Images) Everything you need to know as France head to Dublin France boss Fabien Galthie said: “We will have to block them at the ruck exits because Gibson Park likes to carry the ball. Burns is of the same calibre. This team is experienced. Just a quick note for those absent – Sexton and Murray among others – to whom we wish the fastest of recoveries.”What are the odds?France are favourites for this match, with odds of 8-13 on Bet365. An Ireland win is 11-8 while a draw is 20-1.If you fancy putting some money on the fixture, Bet365 have a welcome bonus of up to £100 in Bet Credits.Min deposit £5. Bet Credits available for use upon settlement of bets to value of qualifying deposit. Min odds, bet and payment method exclusions apply. Returns exclude Bet Credits stake. Time limits and T&Cs apply.Over-18s only. BeGambleAware.Any interesting statistics?2011 was the last time France won in Dublin.Cian Healy’s 106th cap means he overtakes John Hayes as Ireland’s most-capped prop.Last week against Italy was the first time Antoine Dupont had won a Man of the Match award in a Six Nations match.Dupont set-up three tries in the first half last week and went on to score one himself.France have won five of their last six Test matches while Ireland have won 50%.21 – Tadhg Beirne made the most carries in the opening round of the Six Nations, with 21.12 – It has been suggested this week by La Rochelle coach Ronan O’Gara that in training, France’s assistant coaches get 12 minutes each to drill their area of the game, so everything is done at a pace and maintains a level of intensity.The last time Ireland ran out without either Murray or Sexton starting was in March 2011, according to Russ Petty.last_img read more

Jubako House / Meguro Architecture Laboratory

first_img Building Program:Private houseElectrical Engineering:Runa SetubiMechanical And Plumbing Design:Kankyo design A and NConstruction Companies:Hirano KensetsuMechanical:Kankyo design A and NPlumbing Design:Kankyo design A and NCity:TokioCountry:JapanMore SpecsLess SpecsSave this picture!© Koichi TorimuraRecommended ProductsDoorsSky-FrameInsulated Sliding Doors – Sky-Frame ArcDoorsJansenDoors – Folding and SlidingDoorsC.R. LaurenceCRL-U.S. Aluminum Entice Series Entrance SystemDoorsRabel Aluminium SystemsMinimal Sliding Door – Rabel 62 Slim Super ThermalText description provided by the architects. Design of a stacked house‘Jubako house’is based on our concerning on the relationship between the house and surrounding neighborhood. Jubako: Japanese food stacked boxes, is a set of food containers which can be stacked to sort various kinds of food into each layer. We conceptualized Jubako to create space from series of boundary where perimeter of internal space can be linked with external space. Therefore, we carefully thought about dimension of the building, choices of material and sizes of openings. Save this picture!© Koichi TorimuraSave this picture!Plan – sectionSave this picture!© Koichi TorimuraJubako house is a three-storey house for 3 residents. A young couple’s room is on the 1st floor and a parent’room is on the 3rd floor. On the 2nd floor, there are living, dining and kitchen so it is easy for the residents to access from their own floor. We arranged vertical circulation: stairs and elevator, and toilets on the west side of each floor. It is not only beneficial for arranging plumbing system, but it also prevents the interior space exposing to the sunlight in the daytime.Save this picture!© Taku HataSave this picture!Detail sectionSave this picture!© Taku HataOther utilities such as bathroom, laundry space and studio area are on the 1st floor. Structure of Jubako house can be divided into two parts: RC structure on 1st floor and wooden structure on 2nd and 3rd floor covered by galvanized steel sheets. RC structure was designed to be the main structure for the 1st floor and a cantilever parking space. In order to balance of weight in structure, we used wooden structure on the 2nd and the 3rd floor. To create opening on the 2nd floor we designed a setback wall with opening height of 1.2 meters behind RC parapet height of 1.8 meters. The height of parapet is higher than the height of the opening; therefore, it can prevent the residents from interfering with the outside. As a result, this opening does not need any blind or curtain, so perimeter of interior space can be seen continually to the RC parapet. Moreover, this parapet behaves like a reflector of weather conditions where we can see shadow on sunny day or spots of raindrops on it.Save this picture!© Taku HataTraditionally, when we discussed about ‘proportion’ of architecture, two issues were usually mentioned. First, the effect of the distance between an observer and a building made a roof or roof decoration object looked smaller than its actual size. In order to make the object look as big as the actual size, it is necessary to draw larger drawing than its correct proportion on the architectural drawing. Secondly, the portion from the middle of the roof to the top of the roof became blind spot when looking from the ground level. In this case, height of the roof would be raised up on the drawing. These two proportion issues are based on human perspective. This is why, when you look at the drawings of temples, roofs particularly are drawn with unbalanced proportion. In the same way, the stacked house‘Jubako house’also has openings where they could not be seen because of the parapet. We also concerned about choices of finishing and rhythm of joints intended to make the building in harmony with the environment.Save this picture!© Koichi TorimuraNowadays, the concrete issue like ‘proportion’ has been less concerned than in the past. More conceptual issues such as environment and sociality have become major topics in architectural professions. However, as long as we, architects, create architecture. Such architecture will physically exist throughout the time to present the idea behind.Save this picture!© Taku HataProject gallerySee allShow lessCall for Entries: Architectural Design of International Finance Forum (IFF) Permane…Call for SubmissionsUrban Hamlet / Chiasmus PartnersSelected Projects Share “COPY” “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/915808/jubako-house-meguro-architecture-laboratory Clipboard Jubako House / Meguro Architecture Laboratory Jubako House / Meguro Architecture LaboratorySave this projectSaveJubako House / Meguro Architecture Laboratory Japan Structural Engineering: 2017 Houses Photographs:  Koichi Torimura, Taku Hata Manufacturers Brands with products used in this architecture project Manufacturers: Toto, A&A, Acor, Advan Co., Ltd., Advan Co., Ltd., Cucina, Cucina, IGKOGYO CORPORATION, IGKOGYO CORPORATION, IOC Flooring, TAKASAGO STEEL CO.,LTD., TAKASAGO STEEL CO.,LTD. Save this picture!© Koichi Torimura+ 12Curated by Clara Ott Share Tatsumi Terado Structural Studio Projects Photographs Area:  138 m² Year Completion year of this architecture project Lead Architects: CopyAbout this officeMeguro Architecture LaboratoryOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesTokioJapanPublished on April 29, 2019Cite: “Jubako House / Meguro Architecture Laboratory” 29 Apr 2019. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogPanels / Prefabricated AssembliesTechnowoodPanel Façade SystemRailing / BalustradesMitrexIntegrated Photovoltaic Railing – BIPV RailingMetal PanelsAurubisCopper Alloy: Nordic BrassHanging LampsVibiaHanging Lamp – VOLConcreteKrytonCrystalline Waterproofing – KIMSkylightsLAMILUXGlass Skylight FE PassivhausPorcelain StonewareCosentinoSurfaces – Dekton® Chromica CollectionBricksFeldhaus KlinkerThin Bricks – ClassicGlassDip-TechDigital Ceramic Printing for Interior DesignWoodStructureCraftEngineering – FootbridgesAluminium CompositesCymat Technologies Ltd.Bundang Doosan Tower – Alusion™ Stabilized Aluminum FoamTable LampsRoss GardamDesk Lamp – OraMore products »Save想阅读文章的中文版本吗?重箱屋,被插入的“空” / 目黑建筑研究所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 Year:  CopyHouses•Tokio, Japan Architects: Meguro Architecture Laboratory Area Area of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/915808/jubako-house-meguro-architecture-laboratory Clipboard ArchDaily Mitsuru Hirai and Sayu Yamaguchilast_img read more

Hornero Roga House / OMCM arquitectos

first_img 2019 Manufacturers: Lumion, Sika, SketchUp, Argo, AutoCAD, Blindex, Cambre, Deca, Eliane, FV, Impaco, Klaukol, Papaiz y Kallay, Suvinil, Vallemi, Vray CopyHouses, Renovation•Asunción, Paraguay Hornero Roga House / OMCM arquitectosSave this projectSaveHornero Roga House / OMCM arquitectos Photographs:  Alejandro Patiño, Leonardo Méndez Manufacturers Brands with products used in this architecture project Hornero Roga House / OMCM arquitectos ArchDaily ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/930203/hornero-roga-house-omcm-arquitectos Clipboard Architects: OMCM arquitectos Area Area of this architecture project Houses Year:  Area:  200 m² Year Completion year of this architecture project Save this picture!© Alejandro Patiño+ 23Curated by Clara Ott Share Matías Ortiz, Ma. Paz Chamorro Photographs Paraguay ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/930203/hornero-roga-house-omcm-arquitectos Clipboard Lead Architect: Equipo De Diseño:Sofía Rojas, Marcelo RamírezCity:AsunciónCountry:ParaguayMore SpecsLess SpecsSave this picture!© Leonardo MéndezRecommended ProductsDoorsRabel Aluminium SystemsMinimal Sliding Door – Rabel 62 Slim Super ThermalDoorsStudcoAccess Panels – AccessDorWoodParklex International S.L.Wood cladding – FacadeDoorsJansenDoors – Folding and SlidingText description provided by the architects. The neighbourhoods of the Asinción of yesteryear, traditional and almost timeless, are being reached by the impulse of real estate development that day after day seeks to provide options to the growing urban population. Many times it happens that the hurried venture condemns architecture to a second -or third-level of importance, giving priority to “practicality” and prejudices of insecurity that are very common in the country, which does not serve the imaginary of today’s society well. We wanted this not to be the case. The situation presented a house of approximately 40 years of age and in quite deteriorated conditions that was to be reincorporated to the supply of real estate. It was already in the process of demolition, with no architectural project to follow. The urgency of time led us to make a quick diagnosis of the situation and to act with the same inertia, while developing a parallel idea that could mean – at least something – for the city.Save this picture!© Leonardo MéndezSave this picture!Ground FloorSave this picture!© Leonardo MéndezIn addition to modifying the spatiality according to the new requirements of the client and the general public (a living room, a dining room, three bedrooms, service areas, etc. etc. conditions without which architects would not have this type of work), the project offered the potential to improve the immediate environment, injecting some new air into a neighbourhood forgotten in time, but with a great future ahead. A corner made up of the intersection of two streets, a privileged location for having more than one facade, was the setting for the implementation of this project that seeks to provide shelter, protection and warmth for a new home, a new nest that would return to the useful cycle of housing in Asunción. In an effort to find unity in the fragmented and chaotic urban environment from a constructive point of view, the proposal consisted of generating a ceramic continuum through thin perforated envelopes, which, added to the reddish roof, could provoke the senses of those who travel through the place, allegorically configuring a hornero nest, a typical bird of the region of South America.Save this picture!© Leonardo MéndezSave this picture!Section BBSave this picture!© Leonardo MéndezThe ceramic brick, widely used in Paraguay for its economy, was summoned once again as the protagonist of the intervention, where masons, blacksmiths and carpenters, good craftsmen of patient and skilled workforce, gathered in solidarity and were capable of transforming matter into space and providing it with unusual and interesting qualities for the construction of the collective repertoire that characterizes contemporary Paraguayan architecture, where interventions become true experimentation processes through tests, verifications and adjustments until the expected results are achieved. Once the work was finished, there was nothing left but to let the sun, a special guest of architecture, to penetrate the spaces and to render the seasons of the year, offering the family a festival of lights and shadows that accompany them through their daily experience.Save this picture!© Alejandro PatiñoProject gallerySee allShow less“The Goal Is to Create an Immortal Building”: In Conversation with Boris BernaskoniInterviewsIppolito Pestellini Laparelli to Curate the Russian Pavilion at the Venice Biennale …Architecture News Share Projects “COPY” “COPY” CopyAbout this officeOMCM arquitectosOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentRenovationAsunciónParaguayPublished on December 16, 2019Cite: “Hornero Roga House / OMCM arquitectos” [Casa Hornero Roga / OMCM arquitectos] 16 Dec 2019. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogPanels / Prefabricated AssembliesTechnowoodSiding Façade SystemWindowsMitrexSolar WindowMetal PanelsAurubisPatinated Copper: Nordic Green/Blue/Turquoise/SpecialMetal PanelsDri-DesignMetal Panels – CopperIn architectureSikaBuilding Envelope SystemsExterior DeckingLunawoodThermowood DeckingMembranesEffisusFaçade Protection – Breather+Metal PanelsPure + FreeFormCustom Metal Cladding – Legacy Fund 1 BuildingWood Boards / HPL PanelsInvestwoodWood Fiber Partition Walls – ValchromatDoorsLinvisibileLinvisibile FILO 10 Vertical Pivot Door | BrezzaSkylightsFAKROEnergy-efficient roof window FTT ThermoToilets / BidetsBritexToilets – Accessible Centurion PanMore 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 streamlast_img read more

Mortgage Bank Profits Stumble in Q3 Despite Production Volume Increase

first_img Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Share Save Mortgage Bank Profits Stumble in Q3 Despite Production Volume Increase Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Mortgage Bankers Association Profits Purchase Loans Secondary Market 2014-12-04 Tory Barringer Mortgage banking profits hit another stumbling block in the third quarter, sinking slightly as a decline in secondary market income offset rising production numbers.Home lenders took in an average profit of $897 on each loan they originated over Q3, the Mortgage Bankers Association (MBA) said Thursday. That average was down from $954 in the second quarter but still a vast improvement from an average per-loan loss of $194 in the first quarter.”Average company production volume was up in the third quarter, which resulted in a nominal decrease in per-loan production expenses,” said Marina Walsh, VP of industry analysis for MBA. “Nonetheless, production profits were slightly down because of a decrease in secondary marketing income.”According to the group, average production volume came to $437 million per company last quarter, up from $378 million the prior period. By count, lenders average 1,901 new mortgages per company compared to 1,676 in Q2.At the same time, secondary marketing income for the quarter was 261 basis points, a decline from 270 basis points the previous quarter.The net cost to originate a mortgage was $5,038 per loan, a decrease from $5,074 in Q2, MBA reported. That total includes all production operating expenses and commissions with the exception of fee income.The average loan balance for first mortgages in the quarter was $231,914, up more than $6,000 from the last survey and a new record high.Among other findings, MBA reported a small drop in purchase loan origination share, which was 72 percent by dollar volume compared to 74 percent in Q2. For the industry as a whole, the association estimates purchase loans accounted for 62 percent of total originations in Q3.Meanwhile, the share of high-cost first mortgage originations continued to increase, rising to a survey high of 9.4 percent as lenders loosen standards on jumbo products.Including all business lines, 83 percent of the nearly 350 companies in the study posted pre-tax financial profits last quarter, up from 81 percent in Q2. Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Mortgage Bankers Association Profits Purchase Loans Secondary Market Sign up for DS News Daily Governmental Measures Target Expanded Access to Affordable Housing 2 days ago December 4, 2014 831 Views Related Articles The Best Markets For Residential Property Investors 2 days agocenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago About Author: Tory Barringer Tory Barringer began his journalism career in early 2011, working as a writer for the University of Texas at Arlington’s student newspaper before joining the DS News team in 2012. In addition to contributing to DSNews.com, he is also the online editor for DS News’ sister publication, MReport, which focuses on mortgage banking news. Home / Daily Dose / Mortgage Bank Profits Stumble in Q3 Despite Production Volume Increase  Print This Post Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Previous: HUD, Treasury Announce Enahancements to Mortgage Loan Mod Programs Next: DS News Webcast: Friday 12/5/2014 in Daily Dose, Featured, News, Secondary Market Servicers Navigate the Post-Pandemic World 2 days ago Subscribelast_img read more

Four local teens excel at Boys State

first_img By The Penny Hoarder Next UpAlthough they took advantage of different opportunities, the young men said their experiences were rewarding and having attended has enriched their lives.Davon Elder will be a senior at Goshen High School in the fall. His desire to attend Boys State stemmed from his interest in politics and also from a desire to develop his leadership skills.“What impressed me most about Boys State was that everybody was so serious about what we were doing,” he said. “Everybody seemed like they wanted to get something out of it, not just be there.” Elder’s future plans include enrolling in Troy University’s pre-engineering program and then transferring to another university to complete his degree.Josh Starling, a rising Pike Liberal Arts senior, said that his interest in attending Boys State was directed more toward learning how government works than in the political aspect of the process.“I’m more interested in history than in politics,” Starling said. “I really wasn’t interested in running for an office. But I was a member of the Constitutional Convention and we wrote a new constitution for the state. That was very interesting.”The Limbaugh Constitutional Convention members had to take a hard look at Alabama’s Constitution and then improve on it.“We made the Constitution shorter and we added home rule,” Starling said. “A lot of times there’s a bill that only affects one county. We thought that the counties needed to have more power. Another change to the Constitution was that we lowered the voting age to 17. That’s the age about most of us there and we thought that young people needed more say in government. We also made it a county’s decision whether it is wet or dry.”Starling said he met many new friends and enjoyed the entire Boys State experience. However, the motivational speakers and what they had to say made a lasting impression on him.“They talked a lot about following your dreams and working hard to make them happen,” he said. “They really inspired me to do that.”Starling said his own dream is to attend medical school and become a doctor. And that dream will begin at Troy University.Zachary Pearce was honored to have been invited to attend Boys State and he will be a better leader and a more knowledgeable civics student during his senior year at Pike Liberal Arts because of the experience.“I’m not too interested in politics but I’m interested in government and how it’s run,” he said.For that reason, Pearce said he decided to run for city clerk of Harper City.“I like to write and I take good notes so city clerk seemed like an interesting position,” he said. “I was responsible for keeping notes for the mayor and recording everything that has to be kept regarding the workings of the city.”As city clerk, Pearce’s responsibilities included recording court procedures and the city council meetings with the mayor and five council members.“At a council meeting, it was bought up that the police chief wasn’t doing his job and should be impeached,” Pearce said. “But the council voted to give him a formal warning, and, if any more complaints were made against him, he would be gone.”Harper had been devastated by a tornado and the council had to deal with emergency situations.“We lost one-seventh of our city and had only $20 million to work with,” Pearce said. “Every single cent of it had to be designated to worthwhile causes. The council had to enact laws and ordinances that would govern the city during the time of emergency and develop a plan for rebuilding the city. It was a real challenge.”Pearce plans to attend the University of Alabama and major in computer science.Thomas Graning will be a senior at Charles Henderson High School in the fall and, at this point, he is keeping his options open as to his future plans.However, Graning viewed Boys State as an important stepping stone along whatever path he chooses.“I wanted to attend Boys State because of the opportunities to meet new people and learn more about our government and how it operates,” Graning said. “Boys State was a great experience because it also helped me develop my leadership and citizenship skills.”Graning was appointed the governor’s press secretary and was in charge of all written and visual releases of the state programs and for the releases regarding the 10-year plans for each of the departments of state government.“Each of the state’s departments was to find ways to make improvements,” Graning said. “Each department provided me with their slides and written information. I then worked on a PowerPoint presentation for the entire state. I organized their information, formatted it and made it flow.”The presentation was presented to a select group of government officials.Graning said he had developed presentations but not been responsible for putting together visual and written information from different groups of people.“It was a real learning experience,” he said.A press conference that had been scheduled was canceled so Graning didn’t have an opportunity to relay information to the public.However, his hard work and dedication didn’t go unnoticed. He was recognized at the state’s most outstanding elected or appointed official. Plans underway for historic Pike County celebration Book Nook to reopen Troy falls to No. 13 Clemson Four Pike County young men returned Saturday from the Alabama American Legion Boys State held at the University of Alabama in Tuscaloosa from May 29 until June 4.Devon Elder, Josh Starling, Zachary Pearce and Thomas Graning were selected to attend Boys State by American Legion Post 70 in Troy.The purpose of Boys State is to teach young men to understand and appreciate the principles involved in the successful management of a democratic society. By Jaine Treadwell Pike County Sheriff’s Office offering community child ID kits Email the author Latest Storiescenter_img Remember America’s heroes on Memorial Day Elder was anxious to participate in government and ran for and was elected to the city of Odom’s House of Representatives.“Being a representative, I learned a lot about parliamentary procedure and what it’s like when the House of Representatives debates a bill and what all it takes to get a bill passed,” Elder said. “One bill that was passed was about teachers being ranked on performance. One that didn’t pass was giving handicapped stickers to pregnant women.”Elder said that sometimes representatives would add amendments to bills and make the process drag on before the bill would eventually pass or fail.“I learned a lot at Boys State,” he said. “It gave me more courage to speak before people and made me aware that I should listen to politicians to make sure that I know what their platforms are so I can make good decisions when voting.” Four local teens excel at Boys State Sponsored Content Published 7:28 am Wednesday, June 8, 2011 The Penny Hoarder Issues “Urgent” Alert: 6 Companies… You Might Like Troy council OKs deal for new industry The City of Troy and the Troy Industrial Development Board have signed the necessary documents to bring a new industry… read more Print Article Around the WebDoctor: Do This Immediately if You Have Diabetes (Watch)Health VideosIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential HealthBet You’re Pretty Curious About Jaden’s Net Worth Right About Now, HuhBradofoThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancellast_img read more

An interhemispheric study of the ground magnetic and ionospheric electric fields during the substorm growth phase and expansion phase onset

first_imgHF radar data during equinoctial, small IMF By conditions have enabled the substorm growth phase to be studied in both hemispheres. This has revealed highly conjugate behavior during the substorm growth phase. The characteristic equatorward progression of the radar backscatter in both hemispheres is well matched by a calculation of the position of the equatorward boundary of the radar backscatter, based on an estimate of the reconnection rate at the magnetopause and the relationship between the cross polar cap potential and the change in polar cap area. Coincident radar backscatter and DMSP precipitation measurements suggest that there is a close relationship between the location of the radar backscatter and structured nightside precipitation. This nightside relationship appears to be analogous to the close relationship between radar backscatter and the targets provided by precipitation at the cusps on the dayside. The high degree of conjugacy during the growth phase mirrors the high degree of conjugacy known to exist between the substorm electrojets. However, in detail, and during the expansion phase, there are significant non-conjugacies displayed in, e.g., the degree of HF absorption in the two hemispheres. This nonconjugacy appears similar to that recently observed in interhemispheric optical data.last_img read more