British universities falling out of favour, says top-rated survey

first_img whatsapp More From Our Partners Native American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgBill Gates reportedly hoped Jeffrey Epstein would help him win a Nobelnypost.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgPuffer fish snaps a selfie with lucky divernypost.comA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.org British universities falling out of favour, says top-rated survey by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastNoteabley25 Funny Notes Written By StrangersNoteableyPeople TodayNewborn’s Strange Behavior Troubles Mom, 40 Years Later She Finds The Reason Behind ItPeople TodayMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailSerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity TimesBrake For ItThe Most Worthless Cars Ever MadeBrake For ItBetterBe20 Stunning Female AthletesBetterBemoneycougar.comThis Proves The Osmonds Weren’t So Innocentmoneycougar.com Show Comments ▼ Tags: NULL BRITISH universities are falling out of favour, with only five UK institutions ranked in the world’s top 50.According to The Times Higher Education Magazine’s table, which is based on criteria including research, and teaching, Harvard is the world’s leading university.The survey concludes that the US accounts for 72 of the world’s 200 best universities. Meanwhile only three British universities appear in the top ten – Cambridge, Oxford and Imperial College London. This assessment comes only a week after a separate survey by the careers advice company QS ranked Cambridge at the top. In previous years the Times and QS collaborated. While the QS survey places only four UK universities in its top ten, significantly a UK institution tops the pile.Speaking yesterday, Professor Steve Smith, president of Universities UK, said, “The higher education sector is one of the UK’s international success stories, but it faces unprecedented competition.The Times’ top ten is Harvard, California Institute of Technology, Massachusetts Institute of Technology, Stanford, Princeton, Cambridge, Oxford, University of California, Imperial College London and Yale. center_img KCS-content whatsapp Thursday 16 September 2010 8:51 pm Sharelast_img read more

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Learn Africa Plc (LEARNA.ng) Q12020 Interim Report

first_imgLearn Africa Plc (LEARNA.ng) listed on the Nigerian Stock Exchange under the Printing & Publishing sector has released it’s 2020 interim results for the first quarter.For more information about Learn Africa Plc (LEARNA.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Learn Africa Plc (LEARNA.ng) company page on AfricanFinancials.Document: Learn Africa Plc (LEARNA.ng)  2020 interim results for the first quarter.Company ProfileLearn Africa Plc publishes and distributes educational material for the pre-primary, primary, secondary and tertiary education sectors in Nigeria. The company markets reference material, professional material, and general reading material as well as provides teacher training, education development programmes, digital content and educational consultancy services. Established in 1961 and formerly known as Longman Nigeria, the company was wholly-owned by Longman Group UK Limited, now Pearson Education. Pearson and Longman Nigeria mutually agreed to become separate corporate entities in 2011. Learn Africa Plc is the largest educational publisher in Nigeria with the widest range of books and educational resources as well as an expansive distribution network. The company’s head office is in Lagos, Nigeria. Learn Africa Plc is listed on the Nigerian Stock Exchangelast_img read more

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Portland Paints & Products Nigeria Plc (PORTPA.ng) 2020 Abridged Report

first_imgPortland Paints & Products Nigeria Plc (PORTPA.ng) listed on the Nigerian Stock Exchange under the Building & Associated sector has released it’s 2020 abridged results.For more information about Portland Paints & Products Nigeria Plc reports, abridged reports, interim earnings results and earnings presentations visit the Portland Paints & Products Nigeria Plc company page on AfricanFinancials.Indicative Share Trading Liquidity The total indicative share trading liquidity for Portland Paints & Products Nigeria Plc (PORTPA.ng) in the past 12 months, as of 3rd June 2021, is US$306.15K (NGN118.03M). An average of US$25.51K (NGN9.84M) per month.Portland Paints & Products Nigeria Plc Abridged Results DocumentCompany ProfilePortland Paints & Products Nigeria Plc manufactures and sells a range paint in Nigeria for the decorative, automotive, industrial, marine and protective coatings sectors. The company also markets a range of cement; markets instant road repair materials; and sells sanitary ware products for homes, hotels, schools and factories. Decorative paints are sold under the Sandtex brand name and includes Sandtex Biocote which is an anti-microbial paint used for hospitals, clinics, primary health centres, laboratories, hotels, restaurants, colleges, universities and industrial kitchens. The company sells a range of professional coatings under the Crown Trade brand name; and marine/protective coatings under the Hempel brand name. Portland Paints and Products Nigeria Plc is a subsidiary of UAC of Nigeria Plc. The company head office is in Lagos, Nigeria. Portland Paints & Products Nigeria Plc is listed on the Nigerian Stock Exchangelast_img read more

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Dividends are back! Here are 3 FTSE 100 income stocks I’d buy for retirement

first_img 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. Paul Summers has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Click here to claim your free copy of this special investing report now! After having been slashed across the board back in March, dividends are now back. The news will gladden the hearts of UK income chasers.Today I’m looking at a trio of FTSE 100 stocks that have informed the market of their intention to return cash to their owners. Thanks to their size and all-round resilience, I think all are worthy of consideration by those with one or both eyes on retirement.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…Back on trackFTSE 100 paper and packaging group Mondi (LSE: MNDI) is first up.Having withdrawn its final dividend of 55.72 euro cents per share back in April, the £7bn cap said earlier this month that it would now pay holders 29.75 euro cents for 2019.It gets better. In addition to this payment, the company also announced a 2020 interim dividend of 19 euro cents per share. This is despite pre-tax profit in the six months to the end of June slumping 26% to €466m.On a little less than 14 times estimated FY20 earnings, Mondi looks cheap in my book. The share price is still 35% below where it peaked in 2018, despite rising free cash flow and consistently decent margins and returns on invested capital.Factor in the likely future growth in demand for sustainable packaging and I think this would be a great addition to any retirement-focused portfolio.Defensive dividendsBAE Systems (LSE: BA) was my top pick for July. Since then, the shares have increased 9% in value. As pleasing as this is, the potential for capital gains wasn’t my prime motivation for highlighting the stock. Rather, it was the defensive qualities of BAE combined with the likelihood of the FTSE 100 giant confirming that it would reinstate its dividend. The latter has now happened. At the end of July, BAE’s management confirmed that a 13.8p per share cash return, once proposed and then deferred, would now be made to holders in September. On top of this, an interim dividend of 9.4p per share would be distributed in November to cover the first six months of 2020. According to CEO Charles Woodburn, BAE expects “a good second half to the year“. This is, of course, so long as we don’t get a significant second wave of the coronavirus. As things stand, group sales are expected to rise by “a low-single digit percentage compared to last year”.Despite the subsequent rise in the share price, BAE still looks good value to me. The shares trade on 12 times forecast FY20 earnings. Viva AvivaA third FTSE 100 stock that has restarted paying dividends is insurance firm Aviva (LSE: AV). Back in April, the company withdrew its dividend policy following guidance from the Bank of England.This month, however, a second interim dividend of 6p per share was declared by management. Like Mondi, this is despite a heavy fall in pre-tax profit over the first half of 2020 (down 29% to a little under £1.1bn).At 6 times forecast earnings, Aviva look priced for the apocalypse. However, prospective holders should know that the company still plans to review its longer-term dividend policy.In practice, this will mean a lower but, importantly, sustainable payout. The remaining cash will pay down debt. Considering the latter is on par with the value of the entire company, this strikes me as entirely rational. 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. Markets around the world are reeling from the coronavirus pandemic…And with so many great companies trading at what look to be ‘discount-bin’ prices, now could be the time for savvy investors to snap up some potential bargains.But whether you’re a newbie investor or a seasoned pro, deciding which stocks to add to your shopping list can be daunting prospect during such unprecedented times.Fortunately, The Motley Fool is here to help: our UK Chief Investment Officer and his analyst team have short-listed five companies that they believe STILL boast significant long-term growth prospects despite the global lock-down…You see, here at The Motley Fool we don’t believe “over-trading” is the right path to financial freedom in retirement; instead, we advocate buying and holding (for AT LEAST three to five years) 15 or more quality companies, with shareholder-focused management teams at the helm.That’s why we’re sharing the names of all five of these companies in a special investing report that you can download today for FREE. If you’re 50 or over, we believe these stocks could be a great fit for any well-diversified portfolio, and that you can consider building a position in all five right away. Dividends are back! Here are 3 FTSE 100 income stocks I’d buy for retirement Simply click below to discover how you can take advantage of this.center_img 5 Stocks For Trying To Build Wealth After 50 Paul Summers | Sunday, 30th August, 2020 | More on: AV BA MNDI Our 6 ‘Best Buys Now’ Shares Image source: Getty Images. Enter Your Email Address See all posts by Paul Summerslast_img read more

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London Welsh match-day announcer heading to Broadway

first_img“While we are doing the previews we’ll be rehearsing the show during the day, and they’ll gage what the American audience understand and what they don’t understand,” added David. “They can’t Americanize it, because it’s about England but they will maybe adapt certain phrases.”Jerusalem took the West End by storm in 2009 at the Royal Court theatre and again in 2010 when it switched to the Apollo Theatre Directed by Ian Rickson, Jerusalem was named Best Play at the Evening Standard Awards in November 2009, while Rylance won an Olivier Award for Best Actor for his brilliant performance as Johnny Byron.David was born in Merthyr Tydfil and gave up a career as a teacher to become an actor. His credits include Wimbledon with Paul Bettany, The Painted Veil with Ed Norton and Naomi Watts, Death Defying Acts with Catherine Zeta Jones and Guy Pearce and The Oxford Murders with John Hurt and Elijah Wood. Video of the day thumbnail LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS London Welsh will have to make do without match-day announcer Alan David for the rest of the season, as he jets off to New York to star on Broadway.The 63-year-old actor will reprise his role as The Professor for a second time in Jez Butterworth’s acclaimed and award winning production Jerusalem at New York’s Music Box theatre. David, who is in his fourth season as match-day announcer at London Welsh RFC, will not fly out to New York until March 27.But the demands of rehearsals mean he will miss the Dragons’ push for promotion in the Championship play-offs, which gets underway next Saturday against Nottingham at Old Deer Park (12:35pm) in front of the Sky Sports cameras. Previews at the Music Box theatre begin from April 2 with opening night set for April 21. The production runs until July 21.“I’m really excited; it will be wonderful. I love America; I’ve been many times but the last time was ten years ago, so I’m really looking forward to it,” said David. “I’ll miss my family, although they will be coming out, and I’ll really miss doing the end of the season at London Welsh, because I so enjoy doing it. My son Harry will keep me informed!”Set on St George’s Day, Jerusalem is a comic, contemporary tale of life in our green and pleasant land. Butterworth’s play tells the story of modern day pied piper and local waster, Johnny Byron [Mark Rylance].Bryon is a wanted man; the council want to serve him an eviction notice, his children want him to take them to the fair, Troy Whitworth wants to give him a serious kicking and his motley crew of mates want his ample supply of drugs and alcohol. He is perhaps best known, though, for his role as Llewellyn in John Sullivan’s The Green Green Grass – the spin-off from Only Fools and Horses which ran for four series.David theatrical style behind the microphone has established himself a firm fan’s favourite at Old Deer Park, along with his occasional bloopers, which include renaming London Welsh wing Liam Gibson, Liam Neeson.last_img read more

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Preston Hollow Residence / Specht Architects

first_imgArchDaily United States Save this picture!© Casey Dunn+ 31Curated by Matheus Pereira Share Design Team:Scott Specht AIA – Founding Principal Jakeb Novak AIA, LEED AP BD+C, Senior Project Architect Travis Power AIA, Senior Project ArchitectBuilder:Sebastian ConstructionLandscape:Hocker Design GroupLighting Designer:Douglas Architectural LightingMechanical Engineer:E.D. Miller Service CompanyStructural Engineer :Architectural Engineers CollaborationBuilding Enclosure Engineer:Acton Partners, LLCInterior Designer:Magni Kalman DesignCity:DallasCountry:United StatesMore SpecsLess SpecsSave this picture!© Casey DunnRecommended ProductsOffice FurnitureBruagRoom Acoustics Solutions – Dividers for OfficesOffice FurnitureB&B ItaliaFurnishing Paul Hastings OfficesDoorsdormakabaEntrance Doors – Revolving Door 4000 SeriesDoorsLonghiDoor – HeadlineText description provided by the architects. The Preston Hollow home by Specht Architects interiors by Magni Kalman: The design of Specht’s Preston Hollow 8,000 square foot house was driven by the desire to blur the lines between inside and outside while providing a sense of privacy and seclusion from the street and surrounding neighborhood, at the homeowners request. Its design is influenced by strategies common to classic Dallas modern homes of the 1950’s and ‘60’s.Save this picture!© Casey DunnSave this picture!Site PlanSave this picture!© Casey DunnHeavy cast-concrete walls extend from the interior of the house out into the landscape, breaking the “modern box” and creating courtyards that allow for a bright, nature-filled view from every room. This effect is complemented by the huge glass walls that define each space. A large, floating, pavilion roof hovers over both the interior and exterior rooms, defining a special “living precinct” in the site and further fragmenting the boundary between interior and exterior. The roof shape and large cantilevered overhangs were carefully configured to provide complete shading from the harsh Dallas sun at all times of day. An “Impluvium” or opening in the center of the roof is modeled on those found in traditional Roman houses and allows rainwater and light to reach the garden below. Flowing water plays a large part in the design as well. Beginning at the entry, a narrow channel courses through the site and to the pool beyond. The stream is punctuated by a series of cascading terraces and a gentle waterfall near the main entry. At night, lighting within the water casts changing patterns on the adjacent textured concrete surfaces. Save this picture!© Casey DunnA New Brutalism. The concrete walls in the Preston Hollow house were cast using custom-fabricated formwork that creates a corrugated appearance.  “This technique, a staple of brutalist architecture from the 1960’s and ‘70’s creates a play of shadows and pattern that changes throughout the day.  Unlike the brutalist work from that era, however, the heavy walls here are countered by delicate steel columns, thin window frames, and the hovering cantilevered edges of the roof.  The concrete is a grounding element that provides a contrast to the overall lightness of the spaces,” says Scott Specht, founder Specht Architects.  Save this picture!© Casey DunnTraditions of Dallas Modernism. Dallas has a long tradition of modern architecture that faded for decades and is now experiencing a resurgence. The home sites of Central Dallas, which are urban, relatively dense, and close to the city center, have driven a unique residential architecture with shaded and screened living spaces that are inward-looking and private. The Preston Hollow house refers to examples such as Edward Durell Stone’s 1959 Oak Court house, with its outdoor covered dining room surrounded by water, and Philip Johnson’s 1963 Beck Residence with its tree-filled inner courtyards. Save this picture!© Casey DunnSustainable Design Features. The design for this house is organized around eliminating direct solar gain while still allowing for expansive views. The large pavilion roof and cantilevered roof overhangs were modeled to provide complete passive shading from the harsh Dallas sun at all times of day. In addition, the entire west façade has no openings at all. Large operable areas of glazing allow for extensive natural ventilation during appropriate seasons. The “Impluvium” allows rainwater to reach the courtyard garden and water collection area below. This rainwater is used for irrigation and other non-potable uses.Save this picture!© Casey DunnSave this picture!© Casey DunnProject gallerySee allShow lessLan Villa / Yuan ArchitectsSelected ProjectsHawthorne Studio / PRODUCTORA + Part OfficeSelected Projects Share Architects: Specht Architects Area Area of this architecture project Area:  8826 ft² Year Completion year of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/954962/preston-hollow-residence-specht-architects Clipboard 2020 ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/954962/preston-hollow-residence-specht-architects Clipboard Photographs Houses “COPY” Preston Hollow Residence / Specht Architects Scott Specht Photographs:  Casey Dunn Manufacturers Brands with products used in this architecture project Year:  Preston Hollow Residence / Specht ArchitectsSave this projectSavePreston Hollow Residence / Specht Architects “COPY” CopyHouses•Dallas, United States Projects Lead Architect: Manufacturers: Dornbracht, Lutron, panoramah!®, Blanco, Bocci, Boffi, Caesarstone, Cooper Lighting, FSB, Grohe, Infinity Drain, Kohler, Stone Source, TechLighting, Toto, Guardian, Halliday Baillie, Indy Lighting, Ital Windows, La Habra, +5Porcelanosa, Specialty Lighting Industries, Stained Rift White Oak, White TPO single ply membrane, grade beam foundation-5 CopyAbout this officeSpecht ArchitectsOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesDallasOn FacebookUnited StatesPublished on January 15, 2021Cite: “Preston Hollow Residence / Specht Architects” 15 Jan 2021. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogSinkshansgroheBathroom Mixers – LogisVinyl Walls3MExterior Vinyl Finish – DI-NOC™ StonePartitionsSkyfoldWhere to Increase Flexibility in SchoolsTiles / Mosaic / GresiteCupa PizarrasVentilated Facade – CUPACLAD UprightGlassLAMILUXGlass Roof PR60ConcreteKrytonCrystalline Waterproofing – KIMSkylightsVELUX CommercialAtrium Longlight Skylights in ExperimentariumMetal PanelsLorin IndustriesAnodized Aluminum – Copper FinishesStonesFranken-SchotterWall Covering & CladdingWindowsRabel Aluminium SystemsMinimal Casement Windows – Rabel 8400 Slim Super Thermal PlusSwingsStudio StirlingHanging Chair – BasketWallcovering / CladdingArrigoni WoodsWood Cladding – AcousticMore 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

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Tamir Rice’s life matters

first_imgQuestion: When is a child not a child? Answer: When it’s a Black child.12-year-old Tamir Rice, killed by Cleveland police officer Timothy Loehmann Nov. 22, 2014.That question and answer came to me when I heard that the police killingof 12-year-old Tamir Rice of Cleveland was ruled “justified” by two so-called“independent” boards of inquiry recently.The cop was justified, they ruled, because he saw a gun. Period.Did it matter that the gun was a toy? Or that Tamir was a boy?No. Both facts were declared irrelevant.And a beautiful Black boy is dead.What kind of system is this, where a child’s life can be so easily, so utterly, dismissed?What kind of country is this, where this can happen?For almost a year, state forces dithered around the case. Now they have issued their cold, leaden decision: No biggie. The cop was scared. It’s justified.Next.What’s next? Killing pregnant women?Pregnant Black women who are suspected of birthing Black boys?In the name of protocol; in the name of tradition; in the cold name of fear; children are killed so that killer cops can feel safe.If this be the system supported by Black taxes and Black votes, then such a system must be abolished.Taken from an Oct. 11 audio recording by prisonradio.org.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

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Five Limerick towns to benefit from eir project

first_imgNewsCommunityLocal NewsFive Limerick towns to benefit from eir projectBy Bernie English – February 13, 2019 1298 RELATED ARTICLESMORE FROM AUTHOR Advertisement Housing 37 Compulsory Purchase Orders issued as council takes action on derelict sites Linkedin Twitter WhatsApp Email Shannon Airport braced for a devastating blow TAGSLimerick City and CountyNewsTechnology center_img Print Previous articleDeclan and Louise spring into BallyhouraNext articleFree condoms campaign to encourage safe sex Bernie Englishhttp://www.limerickpost.ieBernie English has been working as a journalist in national and local media for more than thirty years. She worked as a staff journalist with the Irish Press and Evening Press before moving to Clare. She has worked as a freelance for all of the national newspaper titles and a staff journalist in Limerick, helping to launch the Limerick edition of The Evening Echo. Bernie was involved in the launch of The Clare People where she was responsible for business and industry news. O’Connells Butchers bringing a new element to customer service Limerick on Covid watch list Facebook TechPost | Episode 9 | Pay with Google, WAZE – the new Google Maps? and Speak don’t Type! FIVE areas in Limerick are included in a massive investment announced this week by broadband providers, eir.The communications company has announced the launch of its fixed network investment programme, which will cost more than half a billion euro over five years. It will cover an additional 1.4 million premises with a Fibre to the Home (FTTH) network capable of speeds up to 10 Gbps.Sign up for the weekly Limerick Post newsletter Sign Up Limerick city, Abbeyfeale, Caslteconnell, Newcastlewest and Rathkeale are all set to benefit from the latest nationwide investment.“Ireland’s Fibre Network”, the next step in the evolution of eir’s network and the expansion of the telecoms infrastructure of Ireland, will cover 180 towns and cities, including every town with more than 1,000 dwelling and commercial premises.The investment will follow the completion over the next four months of eir’s FTTH roll-out to 335,000 rural premises, at a cost of €250 million to eir and with no public subsidy.By the end of June, eir will have invested more than €600 million in fibre broadband, delivering high-speed connections to more than 80 per cent of the premises in Ireland or 1.9 million homes and businesses across the country.This is the next stage in eir’s ambitious €1 billion investment programme, with a €150 million investment programme in its mobile network already underway, allowing eir to deliver 4G voice and data coverage across more than 99 percent of Ireland within two years,The investment will also see the roll out of 5G services later in the year, delivering the most technologically advanced mobile data services across the major cities. Local backlash over Aer Lingus threatlast_img read more

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Home Prices to Continue Climbing

first_img Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post in Daily Dose, Featured, Headlines, Journal, Market Studies, News The Best Markets For Residential Property Investors 2 days ago If current analyses are any indication, home prices in the land of Uncle Sam aren’t heading south anytime soon, this according to the Winter 2018 edition of The Housing and Mortgage Market Review (HaMMR), released by Arch Mortgage Insurance Company (Arch MI). Among the assessments, U.S. housing prices will keep climbing by 2 to 6 percent yearly, especially in the entry-level space. “With interest rates and home prices both on the rise, first-time homebuyers—largely millennials—may want to consider making the jump from renting to owning sooner rather than later,” said Dr. Ralph G. DeFranco, Global Chief Economist, Mortgage Services, Arch Capital Services Inc. “Our research shows few signs of a housing bubble because the typical warning signs aren’t present. Overall, the shortage of housing paired with a robust job market should keep the housing market strong and growing, short of an unexpected event and despite the contrary pressures that may be created by the tax bill.”Arch MI also debuted a new tool in this edition: the Estimated Fundamental Home Value Index (Fundamental HVI) spots housing bubbles by evaluating home prices across 50 states and 401 metros.“The index suggests that the average probability of home price declines in America’s 401 largest cities remains unusually low, at 5 percent,” the report says. “This trend reflects broad-based favorable fundamentals, such as a tightening job market, relatively low interest rates, and a limited number of homes for sale.”As for the new U.S. tax code, the report contends that the changes might bruise higher-cost, high-tax markets but benefit lower-cost ones. Limitations on the ability to deduct state, local, and property taxes will translate into bigger tax bills for many upper-middle-class members, the report continues. The upshot: “a permanent dampening effect in high-cost areas relative to the previous tax rules,” it notes.New York, New Jersey, Connecticut, California, and Maryland are the hardest-hit states, the report says. Some areas could see price drops, with Connecticut and New Jersey most vulnerable due to anemic home-price and population growth. Generally speaking, prices in higher-cost places are still likely to increase due to economic growth, just at a reduced pace.You can read the full report by clicking here. Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Home Prices to Continue Climbing The Week Ahead: Nearing the Forbearance Exit 2 days ago Previous: The Long-Term Impact of Hazard Mitigation Next: The Top 25 Women of Law, Part 4 Servicers Navigate the Post-Pandemic World 2 days ago Arch MI Arch Mortgage Insurance Company Estimated Fundamental Home Value Index Home Prices Housing and Mortgage Market Review 2018-01-23 Alison Rich Related Articles About Author: Alison Richcenter_img January 23, 2018 1,717 Views Home Prices to Continue Climbing Data Provider Black Knight to Acquire Top of Mind 2 days ago Alison Rich has a long-time tenure in the writing and editing realm, touting an impressive body of work that has been featured in local and national consumer and trade publications spanning industries and audiences. She has worked for DS News and MReport magazines—both in print and online—since they launched. The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Share Save Subscribe Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: Arch MI Arch Mortgage Insurance Company Estimated Fundamental Home Value Index Home Prices Housing and Mortgage Market Reviewlast_img read more

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How COVID-19 Lockdown Has Affected Lawyers? Some Accounts

first_imgTop StoriesHow COVID-19 Lockdown Has Affected Lawyers? Some Accounts Nilashish Chaudhary19 April 2020 8:39 PMShare This – xThe nationwide lockdown, which stands extended till May 3, has taken a huge toll on practitioners in the legal profession whose incomes depend on the functioning of courts. Appearing in a court is the basic source of income for lawyers engaged in litigation, especially those practicing in lower courts. Though the Courts are still functional, very few cases are being taken up, only on the…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe nationwide lockdown, which stands extended till May 3, has taken a huge toll on practitioners in the legal profession whose incomes depend on the functioning of courts. Appearing in a court is the basic source of income for lawyers engaged in litigation, especially those practicing in lower courts. Though the Courts are still functional, very few cases are being taken up, only on the basis of extreme urgency. There is no regular filing of matters, and no listing of hearing cases. This has left a vast majority of lawyers bereft of work, resulting in a massive struggle to make ends meet. While many are just about managing to keep their heads above water, a large number of those practicing in lower courts are unsure of how they will get through this period. LiveLaw got in touch with a wide range of lawyers to get an understanding of the problems being faced by such litigators (Their names are kept confidential). Speaking to us, an advocate, who usually deals in criminal matters in trial courts, in Delhi expressed his situation thus: “I have my independent practice for almost a year now. Whatever I earn goes in expenses including paying the salaries of my staff. It is not possible to make savings from my income just yet as I’m not from Delhi and have to pay rent also. This month I have not earned anything so was unable to pay my clerk even. I said I will give him entire salary together, but for now I’m sorry I don’t have. We have been facing big problems since lockdown and I don’t know what I will do if Court does not open next month…I took money for bail matters but now two such people got bail due to Corona (virus), and seeking refund. Where do I pay from? If Courts don’t resume soon I have to consider going back to my hometown.” Not only has the going been tough for those who have recently turned independent and are trying to establish their practice primarily in lower courts, even those who have been appearing in Supreme Court for a while now are struggling. One Advocate on Record, who has been independent for almost 7 years now, explains how the absence of fresh cases has a ripple effect on his practice. “We all earn from fresh cases. The responsibilities towards cases we have already taken up (for which fees has already been taken and spent) looms large on us. So we can’t relax or give off to our staff/clerks/juniors. At the same time, there’s no fresh cases that give you some money.” With regard to paying his staff and maintaining the office, he informs us that he had to take a loan from his wife to pay last month’s expenditures. However, he is concerned about how to manage the same next month since they there’s a lot of reliance on her salary. “Most of us are asking each other for office expenses. It’s very very difficult. I’m worried about paying next month’s salaries now. I will have to graduate to (taking a loan from) my mother if there are more difficulties.” The problem in meeting office expenses is seen to be an issue with senior advocates too. Junior lawyers working in the offices of some of these seniors informed us that the burden of “huge EMIs” are looming large on them which may mean that they might only be able to pay their staff for a limited period. One such lawyer, working for a well-known senior, said “I got a call from sir asking how much of a pay cut I was willing to take. I wasn’t sure how to respond to such a question…We are still required to work as much, given the pending files…I was informed of difficulties being faced in meeting office expenses and to make do with a temporary deduction.” With litigation drying up, mid-level practices which also engage in transnational work are feeling the heat as well. A partner of a firm,  which was started as a ‘full-services law firm’ two years ago, says: “We are doing advisories, but there are very few such clients. Litigation is completely off for now, which is the problem. Pending bills are also stuck because clients are facing manpower issues, amongst others.” However, remaining optimistic about the future, he adds: “We’re hedging our bets on the courts functioning in June. We’re sure we’ll be able to recover from this loss, but we might not be able to recover all our losses (incurred during this time). For now, we are focused on protecting our employees from any impact.” While most lawyers are waiting for courts to resume their normal functioning, the improbability of such normalcy being restored in the near future is not lost on them. However, one can only imagine the plight of those affected if this lull extends. We asked one advocate, whose matrimonial law practice has also taken a severe hit, what the need of the hour was. “Institutional support is required. That does not mean that we’re expecting money from the Bar Council. There needs to be an adaptation to the situation in terms of providing support for hearings. Steps must be taken to make people aware of the fact that it is not outlandish anymore to conduct hearings over video conferencing. The approach should not be a top down. District Courts require this as that’s where the glut of the pendency is”, he replied. The standstill in court work has triggered a number of State Bar Councils to create a system through which lawyers in need can seek financial assistance. The Karnataka State Bar Council, for example, set up a Relief Fund for lawyers in need of assistance while the Bar Council of resolved to extend upto Rs. 5000 per advocate who was in dire need of help. Similarly, the Odisha Bar Council decided to provide financial aid to lawyers in need, especially those with a practice of less than 10 years. The Bar Council of Tamil Nadu and Puducherry also decided to provide financial assistance and opened a separate bank account inviting senior members to contribute in assisting aggrieved lawyers. The Bar Council of Delhi has decided to grant Rupees 5000 to every needy lawyer.The SC Bar Association and the SC Advocates on Record Association have formulated schemes for financially helping lawyers facing hardships during this period.The Bar Council of India, on March 24, had written to the Prime Minster and Chief Ministers of all States imploring them to provide a monthly subsistence allowance for lawyers facing hardships due to loss of work.  Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Storylast_img read more

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