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Shoppers fear for economy

first_img Tags: NULL Shoppers fear for economy Ad Unmute by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailUndoCrowdy FanShe Didn’t Know Why Everyone Was Staring At Her Hilarious T-ShirtCrowdy FanUndoBetterBe20 Stunning Female AthletesBetterBeUndoAtlantic MirrorA Kilimanjaro Discovery Has Proved This About The BibleAtlantic MirrorUndoautooverload.comDeclassified Vietnam War Photos The Public Wasn’t Meant To Seeautooverload.comUndoTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastUndoTaonga: The Island FarmThe Most Relaxing Farm Game of 2021. No InstallTaonga: The Island FarmUndoTrading BlvdThis Picture of Prince Harry & Father at The Same Age Will Shock YouTrading BlvdUndomoneycougar.comThis Proves The Osmonds Weren’t So Innocentmoneycougar.comUndo CONSUMER confidence has fallen to the lowest level since May 2009, amid rising everyday costs and jitters about the health of the economy. Nationwide’s confidence index fell seven points to 56 today, the third consecutive monthly drop. The number of households who believe their income will be lower in six months’ time is at the highest level since the survey began in 2004. More consumers are delaying big purchases, and more than one in four (28 per cent) believe the economic landscape will be even worse by the end of the year. “This is perhaps largely a product of consumers taking stock of their personal situation following the emergency Budget, although fears over the state of the job market and economy as a whole are still playing a part as the UK continues on its sluggish path to recovery,” said Nationwide’s chief economist Martin Gahbauer. The Bank of England is widely tipped to lower its growth forecasts while raising inflation projections in its quarterly Inflation Report today, confirming to consumers the fragile state of the UK economy. Bank governor Mervyn King has recently warned of a possible slowdown throughout the Eurozone. Read This Next’A Quiet Place Part II’ Sets Pandemic Record in Debut WeekendFamily ProofHiking Gadgets: Amazon Deals Perfect For Your Next AdventureFamily ProofBack on the Rails for Summer New York to New Orleans, Savannah and MiamiFamily ProofIndian Spiced Vegetable Nuggets: Recipes Worth CookingFamily ProofAmazon roars for MGM’s lion, paying $8.45 billion for studio behind JamesFamily ProofYoga for Beginners: 3 Different Types of Yoga You Should TryFamily ProofTortilla Mango Cups: Recipes Worth CookingFamily ProofWhat to Know About ‘Loki’ Ahead of Disney+ Premier on June 9Family ProofThe Truth About Bottled Water – Get the Facts on Drinking Bottled WaterGayot Sharecenter_img whatsapp Show Comments ▼ KCS-content Tuesday 10 August 2010 8:58 pm whatsapplast_img read more

Innscor Africa Limited (INN.zw) 2010 Annual Report

first_imgInnscor Africa Limited (INN.zw) listed on the Zimbabwe Stock Exchange under the Industrial holding sector has released it’s 2010 annual report.For more information about Innscor Africa Limited (INN.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the Innscor Africa Limited (INN.zw) company page on AfricanFinancials.Document: Innscor Africa Limited (INN.zw)  2010 annual report.Company ProfileInnscor Africa Limited manufactures and markets fast-moving and durable consumer products in Zimbabwe and exports to international markets. The company is primarily involved in maize milling and the production of stock feeds, edible oils, baker’s fat and pork products; as well as poultry, table eggs and day-old chicks. A subsidiary division manufactures and markets a range of plastic carry bags, televisions, refrigerators and other general household appliances and consumables such as rice, dairy, candles and beverages. Innscor Africa Limited was founded in 1987 and its operations comprise National Foods Holding Limited, Colcom Holdings Limited, Irvine’s Zimbabwe (Private) Limited, Bakeries, Appliance Manufacturing, Natpak (Private) Limited, Profeeds (Private) Limited and Probrands (Private) Limited. Innscor Africa Limited is listed on the Zimbabwe Stock Exchangelast_img read more

2 ways I’d invest £1,000 per month to try and get rich

first_img Enter Your Email Address Starting to invest can be daunting. There are hundreds of listed companies that you can buy into. The share prices of these firms change every day, meaning you’ll quickly see a profit or loss (although it’s only a ‘paper’ profit or loss until you actually sell). So when looking to invest to get rich by making good buying decisions, there are several things you need to do to in order to give yourself a higher probability of being successful.So what are they? To start with, one of the clues is in the article title. Investing £1,000 per month, instead of a lump sum in one go, offers you a much more streamlined approach to investing. It allows you to average out the price at which you buy stocks over a period of time. This ‘blended’ rate can mean you get a better overall price than just taking pot luck and buying in one go, hopefully at a low price but maybe ta a high one.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…For example, if you’d invested £1,000 from January to June this year, you’d have got a much lower average price due to the stock market crash than just investing the whole amount in January.Make use of the ISAI often make a point of suggesting using an ISA. It’s simple but you’d be surprised how many people still just buy and sell stocks via a brokerage account that isn’t attached to a Stocks and Shares ISA. I was even guilty of doing this for several years when I first started investing.The reason using an ISA can boost the chances of increasing your wealth and trying to get rich is that you don’t have to pay capital gains tax on the profits when you sell a stock, nor on the dividend income you receive. Let’s say you bought Ocado stock in January at 1,250p, and held it for the next year or so. Given the share price is at 2,150p now, let’s say it rose slightly higher to 2,500p. This would be a 100% return on your investment. But outside of an ISA, you would have to pay 15% of this in tax. If you had averaged in with £1,000 a month for several months, this tax bill could be close to £1,000. Ouch!Invest in high-growth firmsThe example of Ocado above is very relevant for aiming to get rich from stocks. Year to date, the share price is up 72%. This is even more impressive when you consider the impact the global pandemic has had on the broader FTSE 100 index. It highlights clearly that even during a downturn, you can still make large returns if you pick good high-growth firms. And while we do not promote a ‘get rich quick’ mentality, picking the right firm can result in high profits in a relatively short period of time!How do you know which firm will double in value either quickly or over the long term? Well there’s no guarantee. But you can ignore established firms in stagnant sectors. These businesses usually target income payouts to entice investors, rather that outright share price growth. So look more towards FTSE 250 firms that are performing well. A good example is Games Workshop. Also look at firms that have been promoted to the FTSE 100 due to growth.  Overall, you can still make large returns even with £1,000 per month by picking the right high-growth firms and protecting your profits via an ISA. Averaging-in month by month also enables a blended buy-in rate, giving you a higher chance of success. Simply click below to discover how you can take advantage of this. “This Stock Could Be Like Buying Amazon in 1997” Our 6 ‘Best Buys Now’ Shares 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. Jonathan Smith | Wednesday, 3rd June, 2020 center_img 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. 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Jonathan Smith and The Motley Fool UK have 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. 2 ways I’d invest £1,000 per month to try and get rich See all posts by Jonathan Smithlast_img read more

Debowa Housing Estate / Biuro Projektów Architektonicznych

first_img Projects Debowa Housing Estate / Biuro Projektów ArchitektonicznychSave this projectSaveDebowa Housing Estate / Biuro Projektów Architektonicznych Photographs:  S.PolańskiText description provided by the architects. Debowa social housing estate is located in the west part of Katowice, in the district Dąb, near the Voivodship Park of Culture and Recreation in Chorzów. Save this picture!© S.PolańskiThe development consists of two buildings; one residential – commercial, complementary to the west frontage of the Debowa Street and the other for residential use only, located further back within the plot.Save this picture!site planThe residential & commercial building is attached to an early 20th century corner town house and honors its building line, but also accommodates itself to the curve of Debowa Street by creating shape reversals accordingly. Save this picture!© S.PolańskiThe building is raised on the southern side, providing a visual counterbalance to the high attic of the old corner town house. Save this picture!floor planThe residential building situated further back within the plot offers similar reversals as the front one, that helps to exhibit a historical villa enclosing an urban courtyard from the south.Save this picture!dwelling plansThe housing estate consists of 85 flats, mainly of one bedroom flats ranging from 42 to 46 sq m as well as some studio and two bedroom flats. Save this picture!elevationLarge three bedroom flats have been located in the raised part of building and it is designed for family with numerous children.Save this picture!© S.PolańskiA limited budget determined use of simple means in shaping the urban courtyard, dominated by green car parks and formation of new buildings with colorful parts of walls and uninhibited windows – counterbalanced to the monotony of repeatable flats.Save this picture!sectionsThis composition is supplemented by floral and paper bird motifs on the front facade.Save this picture!detail 01Project gallerySee allShow lessMacMag 36ArticlesThe Indicator: Learning from IBMArticlesProject locationAddress:Katowice, PolandLocation to be used only as a reference. It could indicate city/country but not exact address. Share Architects: Biuro Projektów Architektonicznych Area Area of this architecture project CopyAbout this officeBiuro Projektów ArchitektonicznychOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingHousingKatowicePolandPublished on June 24, 2011Cite: “Debowa Housing Estate / Biuro Projektów Architektonicznych” 24 Jun 2011. ArchDaily. Accessed 12 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogPartitionsSkyfoldIntegrating Operable Walls in a SpaceGlass3MSafety Window Films in Associated Watch and Jewelry BuyersFaucetshansgroheKitchen Mixers – Talis MWindowsAir-LuxSliding Windows for High-Rise BuildingsSignage / Display SystemsGoppionDisplay Case – B-ClassGlassLAMILUXGlass Roof PR60Manuals & AdviceSikaFirestop SystemsMetal PanelsAmerican MetalcraftRainscreen – RS300Curtain WallsRabel Aluminium SystemsMinimal Curtain Wall – Rabel 35000 Slim Super ThermalWaste Containers / Recycling BinsPunto DesignLitter Bin – PapilonSound BoothsFramerySoundproof Phone Booths – Framery OneCarpetsnanimarquinaRugs – ShadeMore 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 CopyHousing•Katowice, Poland Save this picture!© S.Polański+ 13 Share “COPY” Debowa Housing Estate / Biuro Projektów Architektonicznych ArchDaily “COPY” Housing Year:  2009 Photographs Poland ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/145306/debowa-housing-estate-biuro-projektow-architektonicznych Clipboard ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/145306/debowa-housing-estate-biuro-projektow-architektonicznych Clipboard Area:  1074 m² Year Completion year of this architecture project last_img read more

Associated Press journalist kidnapped near Baqouba

first_imgNews February 15, 2021 Find out more IraqMiddle East – North Africa Organisation Help by sharing this information Follow the news on Iraq IraqMiddle East – North Africa News to go further RSF’s 2020 Round-up: 50 journalists killed, two-thirds in countries “at peace” Receive email alertscenter_img Iraq : Wave of arrests of journalists covering protests in Iraqi Kurdistan August 8, 2007 – Updated on January 20, 2016 Associated Press journalist kidnapped near Baqouba News Three jailed reporters charged with “undermining national security” News December 28, 2020 Find out more RSF_en Reporters Without Borders voiced deep concern today about the fate of Talal Mohammed, an Iraqi news reporter and photographer employed by the Associated Press, after the US news agency revealed yesterday that he was kidnapped on 28 July near Baqouba, 55 km northeast of Baghdad.“Iraqi journalists are often the target of insurgents operating throughout the country in a climate of generalised impunity,” the press freedom organisation said. “We call on the Iraqi authorities and the US military to do everything possible to quickly obtain Mohammed’s release. He joins the long list of journalists in Iraq who have been the victims of abduction, an increasingly common practice. Neither foreign nor local journalists are now safe.”Mohammed was travelling with a friend to Baghdad when they were stopped at an illegal checkpoint near Baqouba in an area regarded as a stronghold of Sunni rebels who support Al Qaeda. They were taken away by masked gunmen. Mohammed’s companion, who was later released, they were interrogated in a location he could not identify, and that Mohammed was beaten. Mohammed’s family has received no news of him since the friend’s release.Aged 40, Mohammed had been working for the AP since last autumn. The news agency did not report his kidnapping until yesterday because it had been in contact with the US military authorities in the region in a bid to obtain his release.Meanwhile, Hassan Shaheed Al-Azzawi, an Iraqi journalist employed by the Al Sabah daily newspaper, was released by his kidnappers today in Kut, 175 km northeast of Baghdad, two days after he was abducted. No information was available about the identity of his kidnappers or where they held him.An estimated 84 journalists and media assistants have been kidnapped in Iraq since the start of the US-led invasion in March 2003. A total of 42 were released and 25 were killed by their abductors. In all, 198 journalists and media assistants have been killed in Iraq, including five AP employees. December 16, 2020 Find out morelast_img read more

We Get (MORE) Letters

first_img Community News Opinion & Columnists We Get (MORE) Letters Published on Thursday, March 5, 2020 | 8:19 pm HerbeautyNutritional Strategies To Ease AnxietyHerbeautyHerbeautyHerbeauty12 Female Fashion Trends That Guys Can’t StandHerbeautyHerbeautyHerbeauty10 Secrets That Eastern Women Swear By To Stay Young LongerHerbeautyHerbeautyHerbeauty6 Strong Female TV Characters Who Deserve To Have A SpinoffHerbeautyHerbeautyHerbeauty5 Things To Avoid If You Want To Have Whiter TeethHerbeautyHerbeautyHerbeautyThese Lipsticks Are Designed To Make Your Teeth Appear Whiter!HerbeautyHerbeauty First Heatwave Expected Next Week EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Subscribe Name (required)  Mail (required) (not be published)  Website  Your email address will not be published. Required fields are marked * Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Got something to say, email Managing Editor André Coleman, at [email protected] More Cool Stuff faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyCitizen Service CenterPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Make a comment Business News Community News Comments from the readersCharter School ChatterMarch 2, 2020Via E-mail to Dr. Brian McDonald, Superintendent Members of the Board of Education Pasadena Unified School District 351 S. Hudson Ave. Pasadena, CA 91109Re: Response to Concerns About Melkonian High SchoolDear Dr. McDonald, Board President Cahalan, and Members of the Board of Education:Thank you for the opportunity last Thursday evening for Melkonian High School (“MHS”) and its supporters to participate in the public hearing to share about our great passion and need for a dependent charter school in Pasadena Unified School District (“PUSD” or the “District”). As evident at the Board meeting, students, parents, and other community members are greatly interested in seeing MHS established as a dependent charter school under the guidance and partnership with PUSD to serve our community with MHS’s unique Armenian dual-language enrollment program.There were several comments and/or questions raised during the Board meeting regarding MHS. This letter seeks to address the concerns and clarify any misunderstandings surrounding our proposed charter petition, and to reiterate MHS’s strong commitment to work with PUSD staff to resolve any outstanding concerns or questions about our charter, so that we can prepare to open our doors to students this coming fall.1. Alternative Programs Would Not Meet the Needs of Families Interested in MHSThere were several comments, both by members of the public and members of the Board, which suggested that the District should consider alternate means to address MHS’s desire for an Armenian dual-language enrollment program, possibly by creating new programs within existing PUSD schools.However, these comments fail to take into consideration one of the most important aspects of opening MHS, which is to allow students who currently reside outside of PUSD and/ or attend private schools the opportunity to enroll at a public charter school within PUSD. Charter schools must admit all students who wish to attend, unless they receive more applications than there are spaces, in which case, the charter schools must hold a public random drawing to determine admission. Admission to charter schools are not determined according to the place of residence of the student or the student’s parent/guardian within the state. Thus, MHS would allow more flexibility for students who reside outside of PUSD to attend. However, creating new programs within existing PUSD schools would require these same students to seek inter-district transfers in order to attend an existing PUSD school.2. MHS Would Not Deprive Other PUSD Schools, But Would Benefit PUSD By Increasing Enrollment in PUSD and Rallying Community Support and EngagementThere were some concerns that the creation of a dependent charter school in PUSD would deprive or negatively impact existing PUSD schools, which have been affected by several school closures in the District.As fellow students, parents, and community members, the MHS community empathizes with PUSD students, families, staff, and Board members who are still coping with the sadness and difficulty of the recent school closures in the District. MHS also sees the great potential for change and growth in PUSD. MHS can play an important role through its unique and innovative charter school model which will be a positive contribution to the strength and stability of PUSD.Also, as shared during the public hearing, MHS would bring students who would otherwise attend private schools or public schools in other districts to attend a dependent charter school in PUSD. These new students would increase the District’s ADA, which would financially contribute to PUSD.As evidenced by the large turnout at the Board meeting, there is great excitement and support for MHS in the local Armenian-American community. Local families and business are interested in fundraising to support MHS and its programs. Thus, as supported by the budget documents submitted with our charter, MHS expects to be fiscally sound beginning in year 1 of operations, and would not be a burden to the District nor deprive existing District schools of its resources. MHS believes that our new charter school can help to rally greater community support and engagement in PUSD.3. MHS is Committed to Collaborating with PUSD Staff and Unions to Create a Mutually Agreeable Dependent Charter SchoolThere was some concern and questions raised regarding MHS’s desire to be authorized as a “dependent” charter school within PUSD. As shared at the Board meeting, MHS engaged in conversations with the District Superintendent, which is where MHS learned of the possibility of a dependent charter school model and began to recognize the mutual benefits of becoming a dependent charter school in PUSD.MHS recognizes that a dependent charter school requires a lot of collaboration and input from the various parties involved. Thus, MHS has engaged with District staff and reached out toBoard members in efforts to collaborate with PUSD to ensure that MHS can be established with the mutual support and agreement of all parties involved and impacted.During these planning stages, PUSD staff did not appear to be willing to commit yet to specific aspects of how MHS would be operated. Thus, MHS submitted a proposed charter petition with the intent that the formal submission of MHS’s petition could fuel more intentional conversations and decision-making between PUSD and MHS, to ultimately open MHS as a new dependent charter school in PUSD with the full support of all those involved.* * *Please do not hesitate to contact us at [email protected] with any questions regarding our charter petition. We thank you for your consideration of the MHS charter petition, and we look forward to continuing to work with PUSD staff to ensure that any outstanding questions or concerns are fully resolved.Sincerely,Arsine Shirvanian Maro Yacoubian President of MGO Co-Founder of MHS Visionary Founder of MHS 17 recommendedShareShareTweetSharePin it Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Top of the News last_img read more

Unitas Global lance le premier réseau spécialement conçu pour fournir un accès au cloud de…

first_img Pinterest Local NewsBusiness Unitas Reach(TM) – a global ubiquitous edge to cloud access network available from 900 carrier neutral data centers and 30 million enterprise locations in over 85 countries. Facebook Facebook Previous articleKKR to Acquire Telefónica Chile’s Wholesale Fiber Optic Network to Create First Open Access Network in ChileNext articleThings to Know: US COVID-19 death toll tops 500,000 Digital AIM Web Support TAGS  Twittercenter_img WhatsApp Twitter By Digital AIM Web Support – February 22, 2021 Unitas Global lance le premier réseau spécialement conçu pour fournir un accès au cloud de la périphérie à partout WhatsApp Pinterestlast_img read more

Supreme Court: Secondary Markets Not Subject to FDCPA Regulations

first_img in Daily Dose, Featured, Foreclosure, Government, Headlines, News, Secondary Market  Print This Post About Author: Joey Pizzolato Servicers Navigate the Post-Pandemic World 2 days ago June 12, 2017 5,551 Views Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago Share Save Tagged with: Delinquency Gorsuch Originations Secondary Market Supreme Court Home / Daily Dose / Supreme Court: Secondary Markets Not Subject to FDCPA Regulations The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days agocenter_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Supreme Court: Secondary Markets Not Subject to FDCPA Regulations Previous: Estimated $17 Billion April Credit Gain Only $8.2 Billion Next: Subprime Mortgages Moving From Rearview Data Provider Black Knight to Acquire Top of Mind 2 days ago Delinquency Gorsuch Originations Secondary Market Supreme Court 2017-06-12 Joey Pizzolato Joey Pizzolato is the Online Editor of DS News and MReport. He is a graduate of Spalding University, where he holds a holds an MFA in Writing as well as DePaul University, where he received a B.A. in English. His fiction and nonfiction have been published in a variety of print and online journals and magazines. To contact Pizzolato, email [email protected] A recent unanimous Supreme Court decision on Monday could have vast implications for the mortgage and loan industry, particularly the secondary market, unless the Fair Debt Collection Practices Act (FDCPA) is amended by Congress.In the case Henson et al. v. Santander Consumer USA Inc., the petitioners claimed that Santander, who had bought a number of defaulted car loans from CitiFinancial Auto, had to abide by the rules and regulations set out by the FDCPA as debt collectors, not loan originators who were trying to collect a debt for themselves. The petitioners brought their case in front of the Supreme Court in an appeal of the 4th Circuit Court ruling that, ultimately, the Act defines debt collectors as a person or entity that “regularly seek[s] to collect debts ‘owed … to another.’” The court found that, since Santander was seeking to collect the debt they themselves were owed, they were not collecting on behalf of another person or entity. The petitioners continued this same line of semantic argument in front of the Supreme Court. The word “owed” they said, is a past participle of the verb “to owe,” which would encompass the attempted collection of any debt previously owed to another. The Supreme Court, however, thought this to be too much a stretch. They are of the opinion that Congress has, in the past, been very specific as to their definitions, and that while they may not have envisioned a time when the secondary market would be such a large industry, that still did not change the fact it was not within the purview of the court to extend the reach of the a law. In the report, Justice Neil Gorsuch writes, “And while it is of course our job to apply faithfully the law Congress has written, it is never our job to rewrite a constitutionally valid statutory text under the banner of speculation about what Congress might have done had it faced a question that, one everyone’s account, it never faced.” So what does this mean for the mortgage industry? Any entity, bank, or credit union that purchases a defaulted loan is not, under the letter of the law, considered a debt collector, and thereby not subject to the rules and regulations set in place by FDCPA. It is worth noting, though, that the petitioners believed Congress excluded loan originators from the Act because Congress believed they already had legal and economic incentives for good behavior. Given that many organizations that participate in the secondary market also have business dealings in originations, there is reason to believe the good behavior could continue without congressional intervention, although it may be necessary. “Many wondered what impact U.S. Supreme Court Justice Neil Gorsuch would have on the court, and now we know: author of a 9-0 decision “limiting” the definition of a debt collector, meaning someone buying debt to collect it for themselves does not fall under the FDCPA,” said Michelle Gilbert, Managing Partner of Gilbert Garcia Group P.A. “Given the expansion of the reach of the FDCPA by courts and judges since its enactment in 1977, this decision should propel our industry to work harder to lobby Congress for changes in the law.”   Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago Related Articles Subscribelast_img read more

In the latest fight against Anti-Asian sentiment, Ad Council releases PSA

first_imgThe Ad CouncilBy STACY CHEN, ABC News(NEW YORK) — Producer and writer Alan Yang partnered up with The Ad Council, the non-profit organization, to release a public service announcement about the surge in anti-Asian sentiment brought on by COVID-19.The campaign features an all Asian American cast, including essential workers like a firefighter, a grocery store worker, a nurse and a doctor, detailing their experience with COVID-related harassment and discrimination.Known for Master of None and Parks and Recreation, Yang said this project was not only relevant for this moment in time but it also felt personal.When Yang was doing press for his film Tigertail in April, he recalled social media users leaving hateful comments like “go back to China” and “coronavirus.” One of the lead actors in Tigertail, Tzi Ma, shared with Yang about his encounter with a racist man in a Whole Food’s parking lot in California.Calling these incidents eye-opening, Yang said this behavior is fundamentally un-American.“This country is built on acceptance,” Yang told ABC News, adding, “Sadly, this PSA couldn’t be more timely.”Celebrity chef Melissa King, who also participated in the PSA, told ABC News she felt the need to speak up as her family and friends have also been targets of racial slurs and discrimination.“It’s extremely upsetting to hear that,” King said. “We are in 2020, yet it feels like we’re moving very backwards.”In the most recent “Stop AAPI Hate” report released by a coalition of civil rights organizations, Asian Americans and Pacific Islanders have been the target of more than 2,000 discriminatory incidents.When it became widely known that the novel coronavirus originated from Wuhan, China, xenophobia against Asian Americans was immediately on the rise in the U.S., experts said. Though the story dominated headlines in the beginning, it has largely resulted in little federal and state response.Most efforts addressing this untoward trend have come from online campaigns led by Asian American organizations and celebrities, spurring hashtags like #WashTheHate, #AllAmericans, #UnapolegeticallyAsian, #TakeOutHate etc.As part of Ad Council’s Love Has No Labels campaign, the PSA ends with this plea, “Fight the virus, fight the bias.”Sheri Klein, vice president of Group Campaign Director at Ad Council, said they hope the campaign is more than just a hashtag.“This is not a one and done deal, we’re really in the long-term fight to educate the public,” in the fight against racism and bias, Klein told ABC News.According to a recent Pew Research Center survey, Asian adults in the country are the most likely to say “they have been subject to slurs or jokes because of their race or ethnicity since the outbreak began, compared with 21% of Black adults, 15% of Hispanic adults and 8% of white adults.”Beyond the personal experiences however, “about four-in-10 U.S. adults say it is more common for people to express racist or racially insensitive views about people who are Asian than it was before the coronavirus outbreak,” the survey finds.“We still think 40% is not that much given how rampant it truly is,” Klein said.They hope their national reach and platform of resources can help increase the public’s awareness in order to “stop the spread of racism.”Copyright © 2020, ABC Audio. All rights reserved.last_img read more

EIG to sell stake in Brazilian gas pipeline operator TBG to Fluxys

first_img EIG Global Energy Partners has agreed to sell its approximately 27.5% stake in Transportadora Brasileira Gasoduto Bolívia-Brasil (TBG) to Fluxys, a Belgium-based natural gas transmission system operator.TBG owns and operates the Brazilian section of the Bolívia-Brazil pipeline (GASBOL), which is a nearly 2,600km natural gas pipeline system, including the main natural gas transportation network in the south of Brazil.The pipeline system spans the states of Mato Grosso do Sul, São Paulo, Paraná, Santa Catarina, and Rio Grande do Sul in Brazil.EIG said that the GASBOL has capacity to transport approximately 30 million cubic meters of natural gas per day (1.1 billion cubic feet per day) from Bolivia and Brazil’s offshore pre-salt fields to key markets in Brazil.EIG CEO Blair Thomas said: “We are thrilled to have reached agreement with Fluxys for the sale of our interest in TBG. It has been a privilege to support the growth and development of GASBOL, critical infrastructure that delivers natural gas to key markets in Brazil, including Sao Paulo and the industrial regions in the southeastern part of the country.“This investment underscores our dual commitment to supporting growth and development in this important region of the world while creating value for our investors.“Today’s sale positions the EIG portfolio for additional opportunities in Brazil, and we look forward to partnering with Fluxys where possible.”EIG expects the transaction to be concluded in approximately two months, subject to satisfaction of certain conditions precedent.Furthermore, the two companies EIG and Fluxys also intend to explore further strategic cooperation in Brazil’s gas infrastructure market.EIG has also invested in Gas Natural Açu (GNA), an operational LNG terminal, natural gas and power hub with 6.4GW of gas-fired power under development at the Port of Açu.In 2018, Fluxys and its consortium partners acquired a 35.76% stake in Dunkerque LNG, the owner of the LNG terminal in Dunkirk in France, from EDF and Total. TBG owns and operates the Brazilian section of the Bolívia-Brazil pipeline (GASBOL), which is a nearly 2,600km natural gas pipeline system EIG has also invested in Gas Natural Açu (GNA). (Credit: Gerd Altmann from Pixabay.)last_img read more