Cim Financial Services Ltd (CIM.mu) HY2018 Interim Report

first_imgCim Financial Services Ltd (CIM.mu) listed on the Stock Exchange of Mauritius under the Financial sector has released it’s 2018 interim results for the half year.For more information about Cim Financial Services Ltd (CIM.mu) reports, abridged reports, interim earnings results and earnings presentations, visit the Cim Financial Services Ltd (CIM.mu) company page on AfricanFinancials.Document: Cim Financial Services Ltd (CIM.mu)  2018 interim results for the half year.Company ProfileCim Financial Services Limited (Cim Group) is headquartered in Mauritius that is regulated by the bank of Mauritius as a non-banking deposit taking institution and licenced by the Financial Services Commission as a credit financing institution offering a range of credit.  The company avails individual consumers, SMEs and large corporates with financial services such as consumer finance, crediLimited t card, forex, leasing and factoring. Cim Financial Services is listed on the Stock Exchange of Mauritius.last_img read more

Forget buy-to-let! Here’s how I’d invest £20k today to get rich and retire early

first_img 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. Peter Stephens | Saturday, 8th February, 2020 “This Stock Could Be Like Buying Amazon in 1997” Simply click below to discover how you can take advantage of this. 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. Investing in buy-to-let properties has historically been seen as a dependable means of generating high returns in the long run. After all, property prices in the UK have generally risen at a brisk pace over recent decades. This has provided landlords with capital growth, while rental growth has offered them an above-inflation increase in income.However, property is a cyclical market. It may now be set to experience a period of slower growth due to factors such as affordability concerns, tax changes, and a challenging economic outlook. As such, there may be a better place to invest £20k, or any other amount, to improve your prospects of retiring early.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…A changing outlookThe ratio of average house prices to average incomes is currently close to a record high. This indicates property is becoming increasingly unaffordable, which may limit its potential to deliver ongoing capital returns in the coming years.Of course, low interest rates have been a contributing factor to house price growth since the financial crisis. While they may not move higher in the short run, the Bank of England is likely to adopt a tighter monetary policy in the long run. This could make it more difficult for prospective buyers to afford properties, and may force prices to moderate.In addition, demand could be negatively impacted by tax changes to buy-to-let investing. Additional stamp duty and landlords being unable to offset mortgage interest payments against rental income in many cases could lead to lower overall demand for property. This may mean price rises are less favourable than they have been, and could reduce the returns available to investors.An improving outlookWhile the outlook for buy-to-let investing could change significantly in the coming years, the prospects for the stock market seem to be relatively attractive. For example, the FTSE 100 and FTSE 250 currently contain a number of stocks that offer low valuations given their growth prospects. Buying those companies could produce market-beating returns, while the indexes themselves have solid track records of generating total returns of around 9% per annum over recent decades.Moreover, both indexes provide investors with the chance to invest in the growth potential of the world economy. The FTSE 100, for example, generates two-thirds of its revenue from non-UK markets, while the FTSE 250 obtains half of its income from international economies. At a time where the political and economic risks facing the UK are potentially higher than they have been in the past, geographical diversification could be a useful ally for investors.In addition, investing in the stock market can be undertaken on a tax-free basis. Accounts, such as a Stocks and Shares ISAs, are cheap and easy to open, and offer tax efficiency. As such, now could be the right time to avoid buy-to-let investing and, instead, focus your capital on the stock market to improve your chances of retiring early. 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 Forget buy-to-let! Here’s how I’d invest £20k today to get rich and retire early 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. Our 6 ‘Best Buys Now’ Shares See all posts by Peter Stephenslast_img read more

Passive income for financial freedom: my top FTSE 100 dividend shares to buy now

first_img 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. 5 Stocks For Trying To Build Wealth After 50 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. When it comes to finding FTSE 100 dividend shares to buy now, I reckon there are some good choices on the London market.And one of the great things about dividend shares is they’re good for harvesting a passive income. I can also choose to reinvest the dividends to help build up the capital value of my portfolio with the aim of harvesting a larger passive income later – perhaps in 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…Using FTSE 100 dividend shares to mimic great investorsOne investor made a big success of dividend investing. Her name was Geraldine Weiss, born in 1926. And she became known as the ‘Grande Dame of Dividends’ and sometimes the ‘Dividend Detective’ or the ‘Queen of Blue-Chip Dividends’.Her investment success arose because of a pioneering approach to using dividend yield as a valuation metric when most other investors of the time were focusing mainly on earnings. She saw there’s a strong relationship between the ability of a company to pay dividends and the way a stock performs in the market.I think a strategy that focuses just on dividends is elegant in its simplicity. And Weiss considered everything else within the frame of a company’s ability to keep paying dividends. Meanwhile, simple proved to be extremely effective for her. For example, one of her biggest investment returns came from Coca-Cola.Through her Investment Quarterly Trends newsletter, she tipped the stock between 1982 and 1992 and the share price rose by around 1,285% during that period. With dividends added, the annualised return from the investment worked out at just under 35%. But Weiss stopped tipping the stock when the dividend yield fell too low.Indeed, she didn’t believe in holding stocks forever. She typically bought stocks when the yield was within 10% of its highest-ever value. And she often sold them when the yield dropped to within 10% of its lowest value. However, although trading shares based on that valuation measure, she often held for years rather than weeks or months. And Coca-Cola is a good example of that.Dividend stocks I’m keen on nowWe can find out more about the criteria she used to make dividend investments from the books she wrote. And there’s also a fair bit of information available online. But, in the meantime, I’m building up my own ‘hit list’ of FTSE 100 dividend shares.For example, I like the look of energy company SSE and its 6% forward yield. The company is moving into renewable energy with its wind farm investments and I reckon the dividends could prove to be sustainable for many years ahead. And, in the pharmaceutical sector, I think GlaxoSmithKline looks attractive with its dividend yield just below 6%.I’d reinvest the dividends from investments like those to help compound my gains over time. And using the wisdom of Weiss, I’d aim to build an investment pot large enough to produce a passive income for financial freedom in retirement. Kevin Godbold | Sunday, 29th November, 2020 Click here to claim your free copy of this special investing report now! Passive income for financial freedom: my top FTSE 100 dividend shares to buy now Simply click below to discover how you can take advantage of this. Our 6 ‘Best Buys Now’ Shares Kevin Godbold has no position in any share mentioned. The Motley Fool UK has recommended GlaxoSmithKline. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. I’d also take a close look at these five shares. Enter Your Email Address Image source: Getty Images. 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. See all posts by Kevin Godboldlast_img read more

Hotshot: Connacht back-row Paul Boyle

first_imgIreland U20 captain Paul Boyle has swapped Leinster for Connacht in the summer of 2017 Leading role: Paul Boyle captained Ireland U20 at the 2017 Junior World Championship. Photo: Inpho LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Date of birth 14 January 1997 Position Back-row Province ConnachtHow long have you played rugby? I began aged seven at Gorey in Wexford. My dad took me and my brother along. We’re a sports-mad family.What other sports did you play?Soccer until 14, and hurling and Gaelic Football until about 18. So why rugby? Probably because I was best at it! It suited me best. I liked the physical aspect of it too.What positions have you played? I played prop for a couple of years in my larger days! But I’ve played the majority of my rugby in the back row. I like the freedom there.Who were your childhood rugby heroes? The main one is Sean O’Brien. He comes from a country background and didn’t go to one of the big schools. He’s relatable as that’s what I’ve done myself.FOR THE LATEST SUBSCRIPTION OFFERS, CLICK HEREWhen did you think rugby could be a career? TAGS: Connacht It wasn’t until I got to Leinster and Ireland U18 that I started thinking about it. Then I thought I could give this a go.What are your goals for the next year? To get Pro12 game time (for Connacht, having switched from Leinster) and to improve as a player.What are your strengths? Being a leader first of all. Rugby-wise, I pride myself on defence and like to make a few carries too. I love doing it all.What do you do away from rugby? I’m studying law. It’s tough to balance but I’m enjoying it. RW Verdict: In the Team of the Tournament for the U20 Six Nations, Boyle captained Ireland to a disappointing ninth spot at the Junior World Cup. Yet his honest summations mark him out as a strong leader.This article originally appeared in the September 2017 issue of Rugby World.last_img read more

Lampedusa cross at the Anglican Centre in Rome

first_img Rector Smithfield, NC By Gavin DrakePosted May 25, 2016 Rector Hopkinsville, KY Priest-in-Charge Lebanon, OH Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET Featured Events Ecumenical & Interreligious An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Rector/Priest in Charge (PT) Lisbon, ME Rector and Chaplain Eugene, OR Course Director Jerusalem, Israel Assistant/Associate Rector Washington, DC New Berrigan Book With Episcopal Roots Cascade Books Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Rector Pittsburgh, PA Youth Minister Lorton, VA Rector Albany, NY Lampedusa cross at the Anglican Centre in Rome Missioner for Disaster Resilience Sacramento, CA Rector Bath, NC Bishop Diocesan Springfield, IL [Anglican Communion News Service] A cross made from wood taken from a boat used by refugees crossing the Mediterranean as they sought sanctuary in Europe is to grace the altar of the Anglican Centre in Rome. The cross was made by artist Franco Tuccio on the Italian island of Lampedusa and resembles a pastoral staff given by the artist to Pope Francis when he visited the island two years ago.The cross was presented to Archbishop David Moxon, director of the Anglican Centre in Rome, when he made a visit to the island on Monday with Father Marcus Walker, the centre’s Associate Director.“Because of the Anglican Centre’s interest in modern slavery and human trafficking over the last three years, two friends of the Centre arranged for us to receive a specially made wooden Lampedusa Cross, to be placed in our chapel as a sign of the plight of refugees,” Archbishop Moxon said at the start of his visit.In addition to meeting the artist, the two Anglican leaders met a number of people who work with refugees on the island, including the Roman Catholic parish priest of Lampedusa, Don Mimmo, who hosted the visit, as well as Luca Maria Negri, the president of the Federazione Chiese Evangeliche Italiane; and Germano Garatto, co-ordinator of Foundation Migrantes for the Italian Bishop Conference.“From the moment we got off the plane until leaving the island again Fr Marcus and I were constantly moved, challenged, and surprised by what we heard and saw,” Archbishop Moxon said.Commenting on his meeting with the artist, he said: “Franco was clearly deeply motivated to use his art to draw the world’s attention to the plight of thousands of refugees who enter Europe through this island.“People are picked up at sea and are rescued from drowning and snatched from the jaws of death to be given a new start. This cross he made will lie on the altar of the Anglican Centre in Rome as witness to their suffering and the Easter hope which is now being offered to them.”Archbishop Moxon and Father Walker paid a visit to Lampedusa cemetery which houses graves of many of the refugees who died making the crossing. The cemetery “includes the grave and story of Welela, a young African woman who had been burned alive while being trafficked,” Archbishop Moxon said. “There are hundreds and hundreds of people like her whose names we will never know, who have disappeared without trace in the Mediterranean Sea.“The people of the island of Lampedusa try to honour their memory in a portion of the cemetery dedicated to the unknown. The people of the island have shown enormous compassion to both the living and the dead – as stories of their welcome to every new batch of migrants rescued from the sea tell.”The Archbishop described Don Mimmo as a “remarkable” parish priest. “He is clearly at the moral and pastoral heart of the island’s community and is clearly the hub of the local response to what is an extra-ordinary situation. He was known and greeted and chatted with and welcomed by almost everyone we met. . . He would welcome Anglican prayer and support.”The Archbishop said that conversations “naturally explored what Anglican networks might be doing in this area, and the potential for further collaboration,” and he would discuss the issue further with the Anglican Alliance.“Lampedusa is the site of so much desperation – but also so much redemption,” he said. “Only an Easter faith makes any sense on Lampedusa.”In his blog, Archbishop David outlined some of the ministry to refugees carried out by Anglicans.In Greece the Anglican Church has been the catalyst and bridge builder which enabled six Christian agencies and Churches to come together to learn what each is doing and able to commit to in the face of the crisis. It was through this Anglican initiative to convoke an ecumenical response that the Orthodox Archdiocese of Athens, the Jesuit Refugee Service, Caritas, the Salvation Army, the Greek Evangelical Church, formed a coordination, with each individual church or agency taking lead responsibility for a particular programme or programmes which the other Churches could then tap into to avoid duplication In Greece, due to the rapidly changing situation, our own Anglican response has had to evolve with the changes. At one time, we worked with what was called the “lighthouse” team on Lesbos, receiving refugees arriving at that time by boat from Turkey, providing a clothes-changing area, a kitchen, and tents to shelter the arrivals, and providing food, clothing and medicines. Then it needed to shift to deliver meals (400 per week) to two detention centres (for those deemed to be illegal) on the outskirts of Athens. Elsewhere in Europe, during the large flow of refugees up through Central Europe earlier this year, Anglicans in Budapest and Vienna prepared aid packs to distribute among refugees at the train stations. Much of this has been made possible through our partnership with [the United Society] who have been our major Anglican mission agency partnering with us to respond through the establishment of a rapid response fund, raising monies from churches in the UK and Ireland. Since the closure of the Greek northern border with Macedonia a different response to the refugee/migrant crisis in Greece has had to be made. No longer are the needs of transient refugees/migrants the priority. Instead it is the 54,000 refugees / migrants now stranded in hurriedly erected “closed camps.” In cities such as Vienna, many Anglican families are hosting refugees in their own homes, so their experience is very close to home. Elsewhere in the diocese response continues to the specific contextual needs, for instance in Ankara, our Anglican parish has an extensive programme of welcome and accompaniment for refugees, mostly from Iran and Iraq. In Morocco, we are working with Roman Catholic partners in assisting refugees from Sub-Saharan Africa. TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab Press Release Service Rector Belleville, IL Canon for Family Ministry Jackson, MS The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Rector (FT or PT) Indian River, MI Family Ministry Coordinator Baton Rouge, LA Associate Rector for Family Ministries Anchorage, AK Submit a Job Listingcenter_img Featured Jobs & Calls Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Curate Diocese of Nebraska In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 Rector Knoxville, TN Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Submit a Press Release Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Rector Shreveport, LA Assistant/Associate Rector Morristown, NJ This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Director of Music Morristown, NJ Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Rector Washington, DC Rector Tampa, FL Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group Cathedral Dean Boise, ID Associate Rector Columbus, GA Priest Associate or Director of Adult Ministries Greenville, SC Associate Priest for Pastoral Care New York, NY Director of Administration & Finance Atlanta, GA Submit an Event Listing Anglican Communion, Rector Collierville, TN Rector Martinsville, VA Assistant/Associate Priest Scottsdale, AZ Tags Curate (Associate & Priest-in-Charge) Traverse City, MI last_img read more

Portico / Aida Atelier + Kuno Lab

first_imgShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/250598/portico-aida-atelier-kuno-lab Clipboard Photographs:  Tatsuya Noaki© Tatsuya Noaki Save this picture!© Tatsuya NoakiRecommended ProductsPorcelain StonewareCeramiche KeopeCeramic Tiles – BackPorcelain StonewareGrespaniaPorcelain Tiles- CoverlamPorcelain StonewareApariciPorcelain Tiles – BuildPorcelain StonewareApavisaFloor Tiles – Regeneration    © Tatsuya Noaki Save this picture!© Tatsuya NoakiThis is a house for a family of three in a residential neighborhood of suburban Tokyo. Surrounded by properties subdivided through generations of time, this site maintains its original state. Albeit having plenty of land relative to others, six different adjacent properties with homes built tightly to the boundary leaves the project site with a condition, which limits the project from fully enjoying the advantage of having a deep street frontage with the river.© Tatsuya Noaki Save this picture!© Tatsuya NoakiSuch meticulous condition of uneven contextual grain at a time of transition from continuing growth and expansion, it shall undoubtedly be emerged in mass in the residential neighborhood. As such, the theme for this project is the approach to architecture and exterior space that receives undulating peripheral density. Here, three rules particularly regarding the exterior space were set. The first rule is to not confine itself from its surroundings. Instead of self concluding within the property unit much like a courthouse, create a coordinated environment with adjacent exterior space of large and small, buffing those varying density while sharing the spatial openness, circulating air, and natural light. © Tatsuya Noaki Save this picture!Plan 01Next rule is to avoid creating a cul-de-sac. In other words, having an exterior space free from stagnation that also partially takes on an important visual and physical element of the project. This space is not a residual space of the inside, but an active part of the house that simultaneously exists as an integral section to the neighborhood. Finally, the last rule is to conceive this exterior space as a volume, and not a plane. Re-conceiving the space typically left blank in upper floor plan drawing as a conceptual “garden”, it materializes the external space forming another invisible volume within the property. 1st floor plan Save this picture!diagramWhat these three rules deduce to is a layout and a form with an approximating interior and exterior air volume that alternate in both horizontal/vertical dimensions. The naming has obvious connections to the classical style it originated. The reason for using the urban vocabulary is in our anticipation towards to the future outcome of a suburban residential area in Japan. It is no coincidence if the exterior form appears to be an intermediate between a single house and a housing complex. (Tomoro Aida & Toshimitsu Kuno)Project gallerySee allShow lessAudemars Piguet’s Royal Oak 40th Anniversary Exhibition / Situ FabricationArticlesDaegu Gosan Public Library CompetitionArticles Share Area:  179 m² Year Completion year of this architecture project “COPY” Portico / Aida Atelier + Kuno Lab Architects: Aida Atelier + Kuno Lab Area Area of this architecture project 2011 ArchDaily CopyHouses•Tokyo, Japan Year:  Photographs Japan Portico / Aida Atelier + Kuno LabSave this projectSavePortico / Aida Atelier + Kuno Lab Houses Save this picture!© Tatsuya Noaki+ 20 Share “COPY” Projects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/250598/portico-aida-atelier-kuno-lab Clipboard CopyAbout this officeAida Atelier + Kuno LabOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesTokyoHousesJapanPublished on July 05, 2012Cite: “Portico / Aida Atelier + Kuno Lab” 05 Jul 2012. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogShowershansgroheShower MixersVinyl Walls3MVinyl Finish – DI-NOC™ Abrasion ResistantPartitionsSkyfoldIntegrating Operable Walls in a SpaceLightsVibiaLamps – NorthCultural / PatrimonialIsland Exterior FabricatorsSeptember 11th Memorial Museum Envelope SystemSkylightsVELUX CommercialAtrium Longlight, DZNE GermanyHanging LampsLouis PoulsenLamp – PH ArtichokeTiles / Mosaic / GresiteHisbalitMosaic Tiles – TexturasAcousticMetawellAluminum Panels – Acoustic SailsMineral / Organic PaintsKEIMTiO2-free Mineral Paint – Soldalit®-ArteWall / Ceiling LightsA-LightWall Grazer Concealed LightsDoorsBuster and PunchDoor Hardware – Pull BarMore products »Read commentsSave想阅读文章的中文版本吗?Portico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

Constable House / T+AA

first_img Northrop Engineers Photographs:  John Gollings CopyHouses, Renovation•Red Hill, Australia 2012 Save this picture!© John Gollings+ 18 Share Landscape Consultant: Australia ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/774623/constable-house-t-plus-aa Clipboard “COPY” Lighting Consultant:John Liston, Ian AitkenBuilding Certifier:BCA CertifiersMain Manufacturers/Suppliers:Colorbond Longline Roofing and Cladding.Architect In Charge:Townsend + Associates ArchitectsDesign Architect:Bruce TownsendProject Architect:Alessandro RossiDraftsperson:Zlatko NemetCity:Red HillCountry:AustraliaMore SpecsLess SpecsSave this picture!© John GollingsRecommended ProductsEnclosures / Double Skin FacadesFranken-SchotterFacade System –  LINEAWindowsFAKRORoof Windows – FPP-V preSelect MAXWindowsAir-LuxSliding Window – CurvedEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsText description provided by the architects. In the 1960’s, Architect Rudi Krastins designed a modest house on a steep block in the establishing Canberra suburb of Red Hill. Forty years later T+AA were commissioned to transform the existing structure into a gracious new house with modern living amenity. The brief would take 14 years to complete over 2 stages and uses masonry, timber, glass and steel to reshape a response to the brief and an outstanding outlook over central Canberra.Save this picture!Floor PlanStage 1 tackled the rear view side; providing living and entertainment spaces – both indoor and outdoor, a serious kitchen, bedrooms and bathrooms. Expansive elevated decks are connected to a lower pool level by a steel and timber stair. Steel is used to achieve large spans and cantilevers and be expressive of a new structural and tectonic clarity.Save this picture!© John GollingsThe Stage 2 brief was focused on the street side and involved a new entry and gallery, guest suite, courtyard, study, garage and landscaping. It was desired that the house exhibit a generous and animated form to the street. The gallery links the new work with the first stage – the gallery using a south facing saw-tooth roof form to bring diffuse light and ventilation deep into the interior.Save this picture!SectionThe new roof forms are exaggerated in height to compensate for the house being set down from street level and to screen the large original roof. The new street elevation is scaled to provide a well-proportioned street presence and explores the juxtapositions of light and dark, solid and void. The warm tones of the brushbox soffit act as a lantern to the street and continues the use of this signature material throughout the house.Save this picture!© John GollingsGallery walls and ceilings are detailed to minimize shadows and to disperse the soft south light. The repeated rooflights are supported on slender steelwork, forward of the rendered gallery walls. The steel columns frame the openings and define the display walls. The ‘slippage’ between roof forms and the supporting steelwork has a dynamic effect on the space.Save this picture!© John GollingsThe steel is also used as part of an innovative art hanging method utilizing Rare Earth magnets to provide total flexibility for the ‘hang’ without having to patch walls.Save this picture!© John GollingsLighting is all low energy and the gallery is lit through a continuous frieze of LED wall fittings that flood the spaces with even ambient light.Save this picture!© John GollingsEwer Constructions, builders for stage 2 brought great skill and sensitivity to a complex project and their team of outstanding subcontractors delivered a superb quality product. And, essential to every good project, the clients remained engaged and active throughout.Save this picture!© John GollingsTECHNICAL INFORMATION:This project incorporates the following environmentally sustainable design initiatives:-Double brick construction with rigid, foil backed insulation fixed in the centre of a wide cavity and isolating the outer brick skin from the interior skin. This allows the thermal mass of the interior brick skin to be available to moderate internal temperature fluctuations.-The concrete floor slabs are insulated around the perimeter and edges and incorporates gas-fired cast-in hydronic heating.-All window and door glazing is sealed- unit double glazed.-Natural cross ventilation is promoted through high level remote controlled awnings and the linear courtyard.-Highly insulated roofs and upper walls.-Roof water harvestings and storage for garden watering and swimming pool top-up.-Solar hot water heater with gas- fired booster.-Re-use of as much as possible of the original house fabric and structure to respect and utilise the embodied energy in these elements.-Provision of roof mounted 2.4 kw PV array.-Energy efficient lights.Save this picture!© John GollingsProject gallerySee allShow lessThe House of the Postmaster / kissmiklosSelected ProjectsS+ ARCHITECTURE’s Recent Projects on Display at AIA BaltimoreEvent Share CopyAbout this officeT+AAOfficeFollowProductsWoodSteel#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentRenovationRed HillAustraliaPublished on October 04, 2015Cite: “Constable House / T+AA” 03 Oct 2015. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogLouvers / ShuttersTechnowoodSunshade SystemsCompositesMitrexPhotovoltaic Solar Cladding – BIPV CladdingMetal PanelsAurubisCopper Alloy: Nordic BronzeBathroomsGeberitBathroom Series – ONESkylightsLAMILUXGlass Skylight F100 CircularMetal PanelsTrimoQbiss One in Equinix Data CentreSignage / Display SystemsGoppionDisplay Case – Q-ClassAluminium CompositesAmerican MetalcraftAluminum Panels – Decorative Fencing for BridgesPanels / Prefabricated AssembliesULMA Architectural SolutionsWater Facade PanelDoorsLinvisibileLinvisibile Concealed Sliding Door | MareaWall / Ceiling LightsiGuzziniExterior Light – WalkyWoodPlycoWood Boards – Birch LaserplyMore products »Read commentsSave世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream “COPY” Year:  Harris Hobbs Landscaping Structural Engineer: center_img Houses Photographs Projects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/774623/constable-house-t-plus-aa Clipboard Constable House / T+AA Building Contractor: Ewer Constructions Year:  Area:  153 m² Area:  153 m² Year Completion year of this architecture project 2012 Architects: T+AA Area Area of this architecture project Constable House / T+AASave this projectSaveConstable House / T+AA ArchDailylast_img read more

Tournament of Roses President Echoed Success Stories Wednesday as 128th Parade Nears

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Required fields are marked * The Pasadena Chamber of Commerce honored 2017 Tournament of Roses Association President Brad Ratliff at the annual President’s Breakfast at the Westin Pasadena on Thursday to hear stories of Echoes of Success, the theme for the 2017 Tournament festivities.The morning gathering provided an opportunity to honor special guests that included the Royal Court, as well as Tournament presidents past, present and future as the Rose Parade nears just weeks away.“The President’s Breakfast is really a nice opportunity for the Chamber to celebrate everything that the tournament has done for the city and to specifically honor President Brad Ratliff and his service and all that he’s put in to making that organization a success and the New Year’s event a success as well,” said Pasadena Chamber of Commerce CEO Paul Little.Ratliff has been a volunteer member of the Pasadena Tournament of Roses since 1988 and was appointed a chairman in 2004 and a director in 2007. Throughout his extensive Association career, Ratliff served on and chaired various committees including Equestrian, Queen & Court and Services & Properties. He was elected to the Executive Committee in 2009.“The Tournament of Roses is about how the community and family get together really to put on one of the greatest celebrations in the world, but more importantly to show the cultural dynamics that we all celebrate every single year,” said Ratliff.Ratliff is a third generation Pasadenan and follows in the footsteps of his father, Dick E. Ratliff, who was the Tournament of Roses president of the 110th Rose Parade and 85th Rose Bowl Game in 1999.“Are there more with who we can develop relationships?,” Ratliff asked. “Well, of course. But are we doing all that we can to reach out? Absolutely,” explained Ratliff about the Tournament’s goal of expanding its network.Earlier this year the Chamber of Commerce honored the Tournament of Roses Association with the 2016 Corporate Citizen’s Award and in October the Pasadena NAACP gave special recognition to the Tournament of Roses.A notable achievement in 2016 Ratliff mentioned was the increase of range for the Tournament of Roses college intern program to include schools outside of the Pasadena area that gives students the opportunity to be assigned to various operating committees of the Tournament of Roses. They attend committee meetings, are assigned duties, and volunteer in the same capacity as Tournament of Roses volunteer members, according the Tournament website.“This is yielding a group of young adults that not only bring more students into our organization, but bring new ideas that will help with our growth,” said Ratliff.Future 2020 Tournament of Roses President Laura Farber recently hosted a consortium for the representatives of Embassies of Latin American countries to learn how to extend the reach of the association to Latino communities.“We know that our cultural distinctions are not to be overlooked, but are to be recognized, honored and celebrated,” said Ratliff.Ratliff acknowledged the 1992 Tournament of Roses President in attendance Robert Cheney as a what he called “the Tournament’s greatest” and described him as a mentor who created the best Rose Parade Theme in the Tournament’s history: “Voyages of Discovery”.“Not only can people relate to it, people can tell their own stories with it. Our community has grown since that theme was announced in 1991,” said Ratliff.Ratliff and his wife Susan traveled to the cities across the U.S. where each of the marching bands that are participating in the Rose Parade are from with a goal to advocate music programs for youth.“Each President is unique in how he or she approaches the traveling and this year it was our mission to tout to the communities that we visited about the benefits of music programs and the positive effect it has on kids,” said Ratliff who is a former marching band trumpet player and music enthusiast.“Not only did we want to help the bands raise money for the trip to Pasadena, we wanted to bring more support to music programs because most are underfunded.”Ratliff’s travels gave him the opportunity to learn about parent’s priorities in regards to the success of their children.“We discovered that so many people really do care about our children and their future,” said Ratliff.The 2017 Royal Court was in attendance and included Rose Queen Victoria Castellanos and Princesses Shannon Larsuel, Natalie Petrosian, Maya Khan, Audrey Cameron, Autumn Lundy and Lauren ‘Emi’ Powers.The 128th Rose Parade theme reflects not only the legacy of the Tournament, but also the community as a whole, according to Ratliff.“Echoes of Success celebrates those people, organizations and institutions that play a part in the stories of the success of others,” shared Ratliff. “Success cannot be achieved alone. It takes the support, dedication, compassion and love of many others to help in finding that satisfaction of success. Family, friends and teachers contribute selflessly and tirelessly to the success of many. These influences in our lives, these people of selfless commitment, these Echoes of Success make us who we are.” Community News Tournament of Roses President Echoed Success Stories Wednesday as 128th Parade Nears Story and Photography by BRANDON VILLALOVOS Published on Thursday, December 1, 2016 | 7:35 pm Business News Community News faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Make a comment Community Newslast_img read more

At Risk Homeowners Allege Discrimination

first_img  Print This Post Tagged with: ECBA FHA HUD Lone Star Funds Emery Celli Brinckerhoff & Abady (ECBA) and MFY Legal Services recently filed a federal class action challenging the legality of a Department of Housing and Urban Development (HUD) program, DASP, that sells government-insured FHA home mortgages to private equity funds, leaving these borrowers without insurance-program benefits they are entitled to and putting them at heightened risk of foreclosure, according to a release from ECBA. The lawsuit was filed in the Eastern District of New York.Additionally, the release states that the suit alleges that HUD’s program violates the Fair Housing Act, attributing this to HUD disproportionately selling FHA loans issued to African-American borrowers in New York City for homes in predominantly African American neighborhoods like St. Albans, Queens.According to ECBA, this suit also challenges the actions of Lone Star Funds, the largest purchaser of mortgages sold through the HUD program. The lawsuit alleges that when Lone Star purchases the mortgages from HUD, it “preys on the homeowners”. They allege that the company makes false and misleading statements to the homeowners while refusing to offer homeowners loan modifications it is legally obligated to provide. Instead, it alleges that Lone Star offers homeowners exploitative loan modifications that spell almost certain foreclosure for these borrowers down the line. ECBA also says that the complaint alleges that Lone Star violates the Fair Housing Act because its policies disproportionately impact African-American borrowers and predominantly African-American communities in New York City.It was noted by the New York Times that the sales to private investors had already been under criticism in Washington, thus causing the agency to put in new protections for homeowners whose federally backed mortgages change ownership.Despite the new addendum, more than 100,000 mortgages already sold by HUD in a series of auctions will not qualify for the new protections. The controversy over mortgage sales is something the housing agency has faced over its Federal Housing Administration mortgage program for quite some time now. By selling the mortgages to the highest bidder, the agency can bolster its insurance fund that had been eroded by the flood of foreclosures in the immediate aftermath of the housing crisis and according to the New York Times, the more the insurance fund increases, the more mortgages to lower-income borrowers the department can backstop. Home / Daily Dose / At Risk Homeowners Allege Discrimination Sign up for DS News Daily ECBA FHA HUD Lone Star Funds 2016-08-16 Kendall Baer Share Save About Author: Kendall Baer At Risk Homeowners Allege Discrimination Kendall Baer is a Baylor University graduate with a degree in news editorial journalism and a minor in marketing. She is fluent in both English and Italian, and studied abroad in Florence, Italy. Apart from her work as a journalist, she has also managed professional associations such as Association of Corporate Counsel, Commercial Real Estate Women, American Immigration Lawyers Association, and Project Management Institute for Association Management Consultants in Houston, Texas. Born and raised in Texas, Baer now works as the online editor for DS News. Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured, Government, News Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Subscribe Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago August 16, 2016 1,115 Views 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 Previous: CFPB Finds Support for Arbitration Clause Ban Next: ATTOM Data Solutions Hires New Chief Technology Officerlast_img read more

End Crime,Not Lives!

first_imgColumnsEnd Crime,Not Lives! Manik Sethi15 April 2020 6:05 AMShare This – xAn eye for an eye will make the whole world blind: Mahatma Gandhi As expected, the recent hanging of the four condemned persons in the Nirbhaya gang rape has evoked mixed reactions from within and outside of India. Many within the country celebrate the execution, calling it “an exemplary punishment”. In stark contrast, a good number of people with liberal views at home and…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?LoginAn eye for an eye will make the whole world blind: Mahatma Gandhi As expected, the recent hanging of the four condemned persons in the Nirbhaya gang rape has evoked mixed reactions from within and outside of India. Many within the country celebrate the execution, calling it “an exemplary punishment”. In stark contrast, a good number of people with liberal views at home and global organizations such as Amnesty International, the International Commission of Jurists and the United Nations are quite critical of the hangings that hogged the headlines across India. Considering all this, it now becomes necessary to study and understand the impact of the closing of the sensational case on our psyche vis-a -vis the contemporary judicial system. Let me begin with my own first-hand experience. I was among those who were present when the Hon`ble Supreme Court gave the historic midnight verdict. Standing next to the victim`s mother, I instantaneously welcomed and celebrated the judgment. “The court has refused to interfere,” I yelled, almost ecstatically. Within moments, I found myself at odds with my own feelings. Deep inside, I felt I had begun to grapple with a very serious question: Will crimes cease to take place in society with the end of the lives of the guilty? A quick look at the country’s crime chart after the hangings answers in the negative. Incidents of rape and murder have not stopped, even in times of Covid-19 scare. After the hangings, for example, a 53-years-old man in Nagpur was held for allegedly raping his minor daughter. In Noida, a youth was caught on charges of raping and killing his cousin, an eight-year-old girl. Another question that comes to mind is whether the system of punishment based on the ancient Greek criminal jurisprudence of vengeance – an eye for an eye and a tooth for a tooth- is enough to stop crimes. As proud citizens of the world`s largest democracy, we accept our Constitution as the supreme law of the land. Our Constitution guarantees protection of the rights of every individual, including those of the accused and convicts. It strikes a balance between the rights of society and the rights of convicts. In my view, there is nothing wrong in awarding death penalties, but only till it serves as a “continuous deterrence in society” by following the adequate “procedure established by law”. If one looks at the data published by the National Crime Record Bureau (NCRB) in 2019, one comes across an escalation of reported rape and murder cases by 31% from the year 2017 to 2018, and which continues to rise every day. Further, the NCRB`s 2017 report shows that there is an 100% increase in the data of “rape per hour cases” from two in 2007 to four in 2016. There are other reports as well which confirm a continuous surge in crimes even after the awarding and execution of capital punishments. These instances are enough to make many of us conclude that such punishments have failed to deter people from committing crimes. The next question is how to deal with the ineffectiveness of the “deterrence aspect” of the system of punishment. It is the state’s bounden duty to comply with the “procedures established by law” before executing any punishment. This, in other words, fully supports an individual’s right to a free and fair trial based purely on the principles of law and not to be prejudiced by the dominant public opinion, including the media. The validity of the capital punishment, especially its irreversible nature, is a serious threat to the justice system and to the inherent right to life of an individual. Even in the most adept legal system with robust judicial safeguards, there are possibilities of the miscarriage of justice. One apt example of this is the recent judgment given by the Hon`ble Supreme Court in the case of Ankush Maruti Shinde and (five) others versus The State of Maharashtra (5th March 2019), wherein the Hon`ble Supreme Court acquitted all six convicts on death row by recalling it’s 2009 judgment that affirmed the death sentence for all of them. Apart from the possibility of miscarriage of justice, there is an evident dearth of the uniform application of the principles of law governing the awarding of capital punishments. Judges, who pronounce death sentences, are human beings who live in society and who have their own set of emotions, perceptions, culture and traditions that may play an important role in shaping their thinking. This is one reason why opinions often vary in the world of jurisprudence in relation to capital punishment. The continuous evolution of the jurisprudential aspect of death penalty – from removing the requirement of giving ‘special reasons’ for imposing life imprisonment instead of death in 1955, to requiring special reasons for imposing death penalty in 1973, to limiting the death penalty in only the ‘Rarest of Rare’ cases and to the present times when the court raises concerns about “the arbitrary and freakish” imposition of death penalties. The risk of miscarriage of justice and the absence of uniform principles governing the imposition of capital punishment makes “vulnerable” the very democratic and justice doctrine that makes us all collectively culpable for the imposition such punishments. The purpose of penology in today`s democratic society should bend towards reformation and rehabilitation. The Hon`ble Supreme Court endorses this view in a catena of judgments that before awarding a capital punishment, the factors of reformation and rehabilitation must be considered. Such a consideration requires an adjudication of the report from prison authorities on the conduct of the condemned person. Further, it will be extremely bizarre to absolutely reject the possibility of a convict getting rehabilitated or reformed. The same view can be seen in the incorporation of the Model Prison Manual, 2016 (2016 manual) for the overall development of the prisoners, which received approval of the ministry of home affairs. Chapter 14 of the 2016 manual deals with reformative measures such as physical education (yoga and other forms of exercise) for convicts and their mental development in the field of health, hygiene, moral and spiritual education. All this can significantly contribute to the reformation of prisoners if jail authorities implement them in letter and spirit and prepare proper progress reports. I am of the view that a life sentence can be a more effective deterrent than a death punishment if we use it as an opportunity to reform the guilty, morally and mentally. Execution may only take away the life of a convict, but his life-long incarceration will serve as an example of the price that every offender must pay till his death. Memories of execution evaporate quickly but life imprisonment symbolizes the umbilical relationship between crime and punishment for a very long time. This, in other words, rejects the claim that capital punishment is needed to keep society safe from criminals. To conclude, there is a strong need for us to understand that justice is fundamentally different from vengeance. Death penalties may only fulfil the emotional need of vengeance or revenge, but they cannot be a weapon to end crimes. They may even entangle society in the vicious cycle of stealing from the stealer, torturing the torturer and raping the rapist. Regeneration of hope and confidence reinforces the foundation of society; revenge rattles both human minds and souls all the time.Views are personal Only. (Mr. Manik Sethi is an advocate practicing in the Supreme Court of India.) 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