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Thomas Wyatt Nigeria Plc (THOMAS.ng) 2014 Annual Report

first_imgThomas Wyatt Nigeria Plc (THOMAS.ng) listed on the Nigerian Stock Exchange under the Technology sector has released it’s 2014 annual report.For more information about Thomas Wyatt Nigeria Plc (THOMAS.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Thomas Wyatt Nigeria Plc (THOMAS.ng) company page on AfricanFinancials.Document: Thomas Wyatt Nigeria Plc (THOMAS.ng)  2014 annual report.Company ProfileThomas Wyatt Nigeria Plc is a design and printing company in Nigeria offering services for graphic design, colour separation, general printing, paper converting and publishing. Major clients include Unilever Nigeria, Nigerian Bottling Company, MTN Communications, Four Mills of Nigeria, Mr Biggs, College of Medicine, University of Lagos, Obafemi Awolowo University, Corona School Trust Council and Queen College. Thomas Wyatt Nigeria Plc specialises in producing products for schools and universities which includes exercise books, ruled paper, duplicated books, spiral- and quarter-bound books and typing paper. The company also prints calendars and diaries. A subsidiary of Thomas Wyatt Nigeria Plc manufactures and sells bulk toilet rolls and facial tissues for large businesses and education institutions. Formerly known as Thomas Wyatt and Sons (West Africa), the company changed its name to Thomas Wyatt Nigeria Plc when the company amalgamated two of its subsidiaries; Thomas Wyatt and Son (Northern Nigeria) Limited and Apex (Eastern Nigeria) Limited. The company operates through depots in Lagos, Port Harcourt, Kaduna, Onitsha and Ibadan. Thomas Wyatt Nigeria Plc is listed on the Nigerian Stock Exchangelast_img read more

Everything coming to Netflix in April

first_imgShare on Facebook Tweet on Twitter Sky High — Netflix FilmApril 3Escape From Planet EarthApril 4What Lies BelowApril 5Coded BiasFamily Reunion: Part 3 — Netflix FamilyApril 6The Last Kids on Earth: Happy Apocalypse to You — Netflix FamilyApril 7The Big Day: Collection 2 — Netflix OriginalDolly Parton: A MusiCares Tribute — Netflix DocumentarySnabba Cash — Netflix OriginalThis Is a Robbery: The World’s Biggest Art Heist — Netflix Documentary The Anatomy of Fear Please enter your name here April 23Heroes: Silence and Rock & RollShadow and Bone — Netflix OriginalTell Me When — Netflix FilmApril 27August: Osage CountyBattle of Los AngelesFatma — Netflix OriginalGo! Go! Cory Carson: Season 4 — Netflix FamilyApril 28Sexify — Netflix OriginalHeadspace Guide to Sleep — Netflix DocumentaryApril 29Things Heard and Seen — Netflix FilmYasuke — Netflix AnimeApril 30The Innocent — Netflix OriginalThe Mitchells vs. The Machines — Netflix FamilyPet Stars — Netflix OriginalThe Unremarkable Juanquini: Season 2 — Netflix Original Here’s everything coming to Netflix in April:Date TBAThe Disciple — Netflix FilmSearching for Sheela — Netflix DocumentaryApril 1Magical Andes: Season 2 — Netflix DocumentaryPrank Encounters: Season 2 — Netflix OriginalTersanjung the Movie — Netflix FilmWorn Stories — Netflix Documentary2012Cop OutFriends with BenefitsInsidiousLegally BlondeLeprechaunThe PianistThe PossessionSecrets of Great British Castles: Season 1The Time Traveler’s WifeTyler Perry’s Madea’s Big Happy FamilyWhite BoyYes ManApril 2Concrete Cowboy — Netflix Film Just Say Yes — Netflix FilmMadame Claude — Netflix FilmThe Serpent — Netflix Original From MarketWatchNetflix is releasing an April showers-worth of new stuff next month, including the return of a reality hit and a much-anticipated new fantasy series, “Shadow and Bone”. TAGSAprilentertainmentnetflixstreaming Previous articleA Basic Handbook For a Night In With FriendsNext articleAdventHealth physician: ‘We’re at a crossroads’ as vaccines roll out, but concerns emerge as decline of hospitalizations slows Denise Connell RELATED ARTICLESMORE FROM AUTHOR April 10The Stand-InApril 11Diana: The Interview That Shook the WorldApril 12New Gods: Nezha Reborn — Netflix FilmNicky, Ricky, Dicky & Dawn: Seasons 1-4April 13The Baker and the Beauty: Season 1Mighty Express: Season 3 — Netflix FamilyMy Love: Six Stories of True Love — Netflix Documentary Save my name, email, and website in this browser for the next time I comment.center_img Stowaway — Netflix Film Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 LEAVE A REPLY Cancel reply Support conservation and fish with NEW Florida specialty license plate The Wedding Coach — Netflix OriginalApril 8The Way of the House Husband — Netflix AnimeApril 9Have You Ever Seen Fireflies? — Netflix FilmNight in Paradise — Netflix FilmThunder Force — Netflix Film Please enter your comment! You have entered an incorrect email address! Please enter your email address here April 14The Circle: Season 2 — Netflix OriginalDad Stop Embarrassing Me! — Netflix OriginalLaw School — Netflix OriginalThe Soul — Netflix FilmWhy Did You Kill Me? — Netflix DocumentaryApril 15Dark City Beneath the BeatThe MasterRide or Die — Netflix FilmApril 16Arlo the Alligator Boy — Netflix FamilyAjeeb Daastaans — Netflix FilmBarbie & Chelsea The Lost BirthdayCrimson PeakFast and Furious Spy Racers: Season 4: Mexico — Netflix FamilyInto the Beat — Netflix FilmRushSynchronicWhy Are You Like This — Netflix OriginalThe Zookeeper’s WifeApril 18Luis Miguel: The Series: Season 2 — Netflix OriginalApril 19Miss SloanePJ Masks: Season 3April 20Izzy’s Koala World: Season 2 — Netflix FamilyApril 21Zero — Netflix OriginalApril 22Life in Color with David Attenborough — Netflix Documentary There’s also a second season of “The Circle” (April 14), and some star-studded original movies including “Concrete Cowboy”(April 2), an urban cowboy drama starring Idris Elba; “Thunder Force” (April 9), a superhero comedy staring Melissa McCarthy and Octavia Spencer; and “Stowaway” (April 22), a sci-fi thriller starring Anna Kendrick, Toni Colette and Daniel Dae Kim.last_img read more

Florida gas prices are slightly lower than last week; Apopka prices…

first_img Please enter your name here Support conservation and fish with NEW Florida specialty license plate BP located at 2685 E. Semoran Blvd. in Apopka has one of the lowest gas prices this week Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 TAGSAAAapopkaGasPricesTransportationtravel Previous articleBeyond Meat vs. Impossible Foods, explainedNext articleBlack advocates push back on designating Juneteenth as a holiday in FL, saying ‘it would be inaccurate’ Denise Connell RELATED ARTICLESMORE FROM AUTHOR Regional PricesMost expensive metro markets – West Palm Beach-Boca Raton ($2.96), Tallahassee ($2.90), Panama City ($2.90)Least expensive metro markets – Punta Gorda ($2.75), Jacksonville ($2.76), Orlando ($2.77)Find Florida Gas PricesDaily gas price averages can be found at Gasprices.aaa.com State and metro averages can be found here SundaySaturdayWeek AgoMonth AgoOne Year AgoRecord High 2.690Walmart Neighborhood Market806 Balmy Beach DrApopkaApr 19, 3:27 PM Lowest Gas Prices in Apopka AAA GAS PRICE AVERAGES(Price per gallon of regular unleaded gasoline) Share on Facebook Tweet on Twitter 2.690RaceTrac1102 Hermit Smith RdApopkaApr 19, 8:07 PM 2.690BP277 E MAIN STApopkaApr 19, 1:21 PM Please enter your comment! 2.710CITGO1810 Rock Springs RdApopkaApr 19, 4:05 PM Florida$2.826$2.829$2.839$2.863$1.818$4.08   (7/17/2008) 2.710Mobil2229 E Semoran BlvdApopkaApr 19, 4:08 PMcenter_img Georgia$2.708$2.708$2.708$2.744$1.676$4.16   (9/15/2008) Save my name, email, and website in this browser for the next time I comment. National$2.870$2.870$2.864$2.884$1.821$4.11   (7/17/2008) 2.7107-Eleven1495 S Orange Blossom TrlApopkaApr 19, 10:20 PM 2.710Shell1252 Apopka BlvdApopkaApr 19, 7:51 PM Gas Price Survey MethodologyAAA updates fuel price averages daily at www.GasPrices.AAA.com. Every day up to 130,000 stations are surveyed based on credit card swipes and direct feeds in cooperation with the Oil Price Information Service (OPIS) and Wright Express for unmatched statistical reliability. All average retail prices in this report are for a gallon of regular, unleaded gasoline. PriceStationAddressCityTime Click here to view current gasoline price averages Pump prices average 1-cent less than a week agoFrom AAAFlorida gas prices are slightly lower than a week ago. The state average price for gasoline is $2.83 per gallon. That’s one cent less than this time last week.“Gas prices have held relatively steady through the first half of April,” said Mark Jenkins, spokesman, AAA – The Auto Club Group. “However, some upward pressure appears to be moving back into the market, which could affect prices at the pump. Oil prices jumped 6% last week, in hopes that demand will continue to grow due to increased COVID-19 vaccinations, lower jobless claims in the U.S. and rising consumer sentiment.”The price of U.S. crude oil bounced back up to $63 per barrel this week, after trading at around $59/b the week before. The highest daily price for U.S. crude oil this year has been $66.09/b.The state average price for gasoline remains about 8 cents less than the highest price so far this year ($2.91). Sunday’s price is 5 cents more than what drivers paid this time two years ago. This time in 2020, gas prices averaged $1.82 per gallon because the pandemic severely deteriorated driving demand.Although U.S. gasoline demand has shown significant improvement compared to last year, it remains below pre-pandemic levels. The latest demand figures from the EIA shows a 76% improvement from this time last year. However, current demand numbers are 5% below this same time in 2019.Apopka Prices 2.710RaceTrac1652 E Semoran BlvdApopkaApr 19, 4:10 PM The Anatomy of Fear LEAVE A REPLY Cancel reply 2.670BP2685 E SEMORAN BLVDApopkaApr 19, 9:01 PM 2.690Wawa1609 S Orange Blossom TrApopkaApr 19, 1:29 PM You have entered an incorrect email address! Please enter your email address herelast_img read more

LAMA House / LAMA Arhitectura

first_imgArchitects: Lama Arhitectura Area Area of this architecture project Photographs:  Radu Malașincu+ 29 Share Romania 2015 ArchDaily “COPY” Year:  Projects Year:  LAMA House / LAMA ArhitecturaSave this projectSaveLAMA House / LAMA ArhitecturaSave this picture!© Radu MalașincuHouses•Bucharest, Romania ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/777884/lama-house-lama-arhitectura Clipboard Save this picture!© Radu MalașincuText description provided by the architects. Context: The project could be considered as daring because of its site proportions, a long but very narrow strip of land (7.5 X 40 M) with a blind wall on one side.Concept: The house was built for a family of 4, in order to protect its members and meet the needs as best as possible.Save this picture!© Radu MalașincuDue to the shape of the site and its surroundings, the house resulted as a long and 4.5 mnarrow shape, attached to the neighbours blind wall. The facades and the layout of the house were built according to their position towards the public or private areas of its surrounding and the cardinal points.Save this picture!Floor PlansThe facades and the layout of the house had different approaches, given the orientation towards the public or private areas of the surroundings and the cardinal points. The best example would be the southern facade, moulded to work as a sun trap.Save this picture!© Radu MalașincuLayout: The house was built so that it would have a small frontyard which provides entrance from the street, as well as a larger private backyard. The acces point inside the house is signaled by a burnt wooden box, the vestibule, attached to the white main volume of the house, thus creating a visual contrast.Save this picture!SectionThis project was build with consideration towards the main principles of passive housing. The southern facade opens large windows towards the private family backyard, without forgetting to shield itself from the sun. It uses passive shading creating a funnel shaped facade and a pergola. The main material used for the backyard facade is burnt wood. The image created is harmoniously integrated with the protected intimate garden, due to its organic refference and induced warmth.Save this picture!© Radu MalașincuThe facades facing the street (North) and the neighbour on the left (East), due to the nearing position providing little privacy, are more opaque and sober. On all of the facades, the windows are larger at the bottom and smaller at the top, as to capture the right amount of light for each space.Save this picture!© Radu MalașincuThe layout of the house uses the same principle as the facades, considering the position of the space towards public or private outlook, and the amount of received natural light. This is why towards the backyard (South) you will find primary functional areas such as the livingroom, the master bedroom and the children’s bedroom, whilst towards the street (North), the kitchen, bathrooms and the second floor terrace are positioned.This layout was primarily considered to have a functional structure.Save this picture!© Radu MalașincuThe basement contains a hobby room, the utility room and storage space. The ground floor provides the outside acces via the vestibule, to the living area and the kitchen, and a downstairs cloakroom. On the first floor you will find the master bedroom with a dressing space, the family bathroomand a small bedroom for the family’s 2 year old baby . The second floor provides the third bedroom, a library, a bathroom, a storage closet and a private terrace.Save this picture!© Radu MalașincuMaterials, Systems.For the exterior design, we used PU foam with white decorative finish, burnt pinewood, white painted steel frames for the openings and triple glazed windows with timber frames.Save this picture!© Radu MalașincuThe performant triple glazed windows and the PU thermal foam togheter with the cellulose attic insulation, creates a thermal protection that is twice as efficient to the commonly used insulation means.  A sustainable ventilation system was integrated, consisting of air tubes buried at the level of the building’s foundation.Save this picture!© Radu MalașincuRegarding the interior design, the walls were covered in protection mortar died white, and the oak floor has a natural colour. The livingroom ceiling purpusely left the exposed concrete, visible. Travertine plates were used for the acces hallway and inside the bathrooms .The staircase’s structure was built out of steel and kept with a natural lacquered appearence. Most of the furniture for the project was custom made.Project gallerySee allShow lessDaniel Libeskind on Immigration, New York City, and ‘the State of the World’Architecture NewsStudent Centre in the Arts University Bournemouth / Design Engine ArchitectsSelected Projects Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/777884/lama-house-lama-arhitectura Clipboard Houses CopyEngineers:CONSPRO DevelopementInteractive Design:Andrei TudorArchitects In Charge:Dan Enache, Calin RaduCity:BucharestCountry:RomaniaMore SpecsLess Specs “COPY” 2015 Area:  225 m² Area:  225 m² Year Completion year of this architecture project Photographs LAMA House / LAMA Arhitectura CopyAbout this officeLama ArhitecturaOfficeFollowProductsWoodSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesBucharestRomaniaPublished on November 30, 2015Cite: “LAMA House / LAMA Arhitectura” 30 Nov 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想阅读文章的中文版本吗?LAMA 住屋 / LAMA建筑事务所是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

Grant Seeking in an Electronic Age (Allyn and Bacon Series in Technical Communication)

first_img AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Grant Seeking in an Electronic Age (Allyn and Bacon Series in Technical Communication)  14 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Howard Lake | 20 January 2008 | News About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.last_img read more

Mass layoffs loom, GM gets bailed out, workers get sold out

first_imgWorkers at GM’s Oshawa plant in Canada at their UNIFOR union headquarters on Nov. 26, protesting planned job cutsWorkers in Michigan, Maryland, Ohio and Ontario, Canada, are in a state of shock after learning that General Motors intends to close their plants. On Nov. 26, with no advance warning from the company, auto workers at five plants in Metro Detroit; Baltimore, Md.; Lordstown, Ohio; and Oshawa, Ont., learned from news media their plants would stop producing current vehicles next year and were “unallocated” for any new product. Many workers will have to relocate to keep their jobs. Temporary workers and workers who work for subcontractors in the plants — such as janitors — won’t have that option. In addition, 8,000 nonunion salaried positions are being cut corporatewide in the U.S. Altogether 14,000 jobs are slated to go. The cuts in Canada represent 25 percent of GM’s union workforce.The job cuts will have a “multiplier effect” — many more jobs will be affected indirectly, from parts supplier plants to steel mills to public sector jobs affected by the drop in tax revenue. At least 10,000 workers in the Oshawa area produce components for the GM Assembly plant, for example. Plant closings are an act of corporate class war, not only against the workforce but against whole communities.Cities, neighborhoods, environment under corporate axeLordstown, Ohio, is located in Trumbull County, which abuts Mahoning County. These counties comprise the Youngstown-Warren area, parts of which became “ghost towns” since the steel industry shut down most of the mills a few decades ago. GM is one of the few manufacturers left in the area that provides good union jobs. When the auto complex opened in the 1960s, many thousands were employed there. More recently, sections of the Lordstown plant were permanently closed, with additional jobs lost to automation. Now the remaining 1,600 positions are on the chopping block.Detroit has been devastated by decades of plant closings and predatory lending that led to mass housing foreclosures and extortionate interest rates on public debt. The predominantly white suburbs have also suffered, but nowhere near as much as this impoverished African-American-majority city. Most of the city has been untouched by the mythical “comeback” story that has been fed to the rest of the country. That means the projected closing of the “Poletown” plant, part of which sits in Detroit and part in Hamtramck, would be a major blow to both cities. Hamtramck is a small, multinational city surrounded by Detroit.In the 1980s GM got Detroit’s elected officials to use “eminent domain” to acquire the site of Chrysler’s closed Dodge Main complex for its new plant, along with many residential properties in the surrounding area.  This neighborhood was home to a large Polish community, sometimes referred to as “Poletown.” The destruction of the neighborhood was justified by the number of jobs the plant would provide. In addition, GM received city tax breaks for decades. After all these concessions, the company wants to close its only assembly plant in Detroit.Workers at the Oshawa, Ont., assembly plant are represented by Unifor, which was formed by the merger of the Canadian Auto Workers and the Communications, Energy and Paperworkers Union of Canada. The CAW originally split from the United Auto Workers because the UAW had made concessions and was committed to labor-management cooperation. Nevertheless, in 2016 Unifor made some concessions to GM with the understanding that the Oshawa plant would be kept open. Now workers are being double-crossed.GM transmission plants in Baltimore, Md., and Warren, Mich., which formerly employed thousands, are both down to a few hundred workers due to outsourcing and automation. These workers and the surrounding communities will suffer if the plants shut down.What GM is doing is criminal! Yet it’s not unprecedented. The Detroit Three auto companies closed hundreds of plants since the 1970s, with GM closing the most. The company used its 2009 bankruptcy to shed another 16 plants,  deemed excess capacity. Now, however, GM is not only back on its feet but making billions in record profits. Its comeback would not have been possible without massive financial assistance from both the U.S. and Canadian governments.GM is also reaping the benefits of Trump’s massive corporate tax cuts, but the company won’t use the windfall to invest in job-creating new products. GM is moving away from car production to focus on its most profitable vehicles — trucks and sport utility vehicles — the least fuel-efficient vehicles with the biggest carbon footprint. The automarker will ax its electric Chevy Volt along with the Chevy Cruze and other sedans, even its legendary Chevy Impala. This is environmental recklessness.GM got bailed out, but workers and communities are getting sold out.Profit motive behind the attacksWhen Trump imposed new tariffs on imported products, including steel and auto parts, this was presented as a measure to protect U.S. jobs. This was a colossal falsehood. In fact, companies are stating the tariffs raise the cost of production so much that they have to move work out of the country.While demagogic boasts that protectionist measures create jobs are proving false, it would be equally wrong to blame tariffs alone for a company’s decision to cut jobs in the U.S. True, when the cost of production goes up, profits go down. But a company makes a conscious decision to put its bottom line ahead of the interests of its workers, communities and the environment.GM made the justification that it wants to funnel resources into the latest technology — electric and self-driving vehicles — yet the company’s only electric vehicle is being discontinued. What hypocrisy!The capitalist drive for profit is behind GM’s decision to slash its workforce and eliminate vehicles with a lower profit margin. CEO Mary Barra stated in a Nov. 26 news release: “The actions we are taking today continue our transformation to be highly agile, resilient and profitable.”Ford and Fiat Chrysler Automobiles have made similar decisions to cut or eliminate car production in favor of trucks and SUVs for the same profit motive. Workers’ fightback needed to save jobsAfter GM’s announcement, Trump staged a Twitterfit, saying he will make GM keep the plants open by axing tax breaks tied to electric vehicle development. In fact, he has no legal power to do so. Trump’s bluster is empty posturing and will not save a single job. However, some workers might be fooled by his tough talk, especially if they contrast it to the weak response of the UAW’s top leadership. Nevertheless, it’s not right-wing demagogues but union workers at the point of production, in collaboration with community and environmental activists, who have the leverage to stay GM’s greedy hand and protect jobs. Some union leaders have made stronger statements. Regional Director Rich Rankin, who leads UAW Region 2B which includes Lordstown, has called for publicly shaming GM. Unifor President Jerry Dias said, “We are not going away without a fight.” (CTV, Nov. 26)Some union members hope this means their leaders will put up a real fight. But whatever happens or doesn’t happen at the top, rank-and-filers want to resist. When the Oshawa workers heard GM’s announcement of job cuts, they walked out and returned to work only after being directed to by union leaders. Poletown workers are discussing in-plant tactics to show GM they don’t accept the destruction of their jobs. UAW members in other plants are talking strike if the auto companies demand concessions in contract negotiations next fall.Conversations are starting about demanding that eminent domain be used again — not to seize property for the benefit of GM but to seize property back from GM and keep the plants open under labor-community control.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Fewer Serious Delinquencies Indicate Market Stability

first_img The Best Markets For Residential Property Investors 2 days ago With the housing market crash of 2008 more than seven years in the rear view mirror, default-related housing metrics have been considerably declining for a sustained period of time.One notable declining statistic that is a testament to returning stability in the housing market is that of residential mortgage loans that are seriously delinquent, or 60-plus days overdue. That number dropped from 1.97 million in November 2014 down to 1.65 million in November 2015, a decrease of 16 percent, according to data released by HOPE NOW.“Another key indicator of positive market stability is the decline in serious delinquency,” HOPE NOW Executive Director Eric Selk said. “HOPE NOW tracks those homeowners who are 60-plus days delinquent and we have reported a steady total of about 1.65 million borrowers for the past 5 months. This is a far cry from the nearly 2 million borrowers who were seriously delinquent just 18 months ago. This is a true testament to the hard work of the HOPE NOW Alliance and others, as well as the recent jobs report and economic recovery.”Black Knight Financial Services reported a similar decline in serious delinquencies in its December 2015 Mortgage Monitor released earlier this week. According to Black Knight, the number of residential mortgage loans that were 90-plus days past due but not in foreclosure totaled 808,000 at the end of December 2015, a decline of nearly 26 percent year-over-year from the nearly 1.09 million reported at the end of the year in 2014. The number of mortgages that were 30 days or more past due but not in foreclosure was 2.40 million in December 2015, an over-the-year decline of 15 percent (about 425,000 properties). According to Black Knight, it was the best calendar year performance for delinquencies since 2010.Despite the widespread overall drop in delinquencies, there are still isolated areas that need assistance, according to HOPE NOW. The alliance plans to continue its borrower outreach efforts with the same type of loss mitigation events which have been so successful for the last several years and particularly in 2015. The first one of the year will be in Tampa on February 10, at the CareerSource Tampa offices.“Several of the leading mortgage servicers and HUD approved non-profit counseling agencies will be on-site and provide free assistance to those homeowners in need,” Selk said. “HOPE NOW will be focused heavily on Florida this year as we work to help families in hard hit states.”Click here to view the Black Knight December 2015 Mortgage Monitor.Click here to view HOPE NOW’s November 2015 Mortgage Data.Black Knight December 2015 Mortgage Data Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Fewer Serious Delinquencies Indicate Market Stability Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Market Studies, News Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago About Author: Brian Honea  Print This Post The Best Markets For Residential Property Investors 2 days ago Black Knight Financial Services HOPE NOW Seriously Delinquent Mortgages 2016-02-03 Brian Honeacenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Fewer Serious Delinquencies Indicate Market Stability February 3, 2016 1,091 Views Demand Propels Home Prices Upward 2 days ago Previous: Fairholme CEO: ‘Common Sense Solution Will Prevail’ in Battle Over GSE Profits Next: How is Low Inventory Affecting the Housing Market? Related Articles Tagged with: Black Knight Financial Services HOPE NOW Seriously Delinquent Mortgages The Week Ahead: Nearing the Forbearance Exit 2 days ago Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Subscribelast_img read more

CFPB Identifies Mortgage Servicing Violations

first_imgHome / Daily Dose / CFPB Identifies Mortgage Servicing Violations Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Sign up for DS News Daily The Consumer Financial Protection Bureau (CFPB) has released its Winter 2020 edition of its Supervisory Highlights. discussing the Bureau’s examinations findings in the areas of debt collection, mortgage servicing, payday lending, and student loan servicing that were completed between April 2019 and August 2019.Key findings include mortgage servicing regulation violations. According to the CFPB, one or more servicers were found to have violated the Regulation X loss mitigation notice requirements to notify borrowers in writing that a loss mitigation application is either complete or incomplete within five days of receiving the application; provide a written notice stating the servicer’s determination of available loss mitigation options within 30 days of receiving a complete loss mitigation application; and provide a written notice containing specified information when the servicer offers the borrower a short-term loss mitigation option based on an evaluation of an incomplete loss mitigation application.In examinations, examiners found that the servicers violated Regulation X by failing to notify borrowers in writing that an application was either complete or incomplete within 5 days of receiving the application.According to the CFPB, because the violations were caused, in part, by servicers’ efforts to handle an unexpected surge in applications due to natural disasters and occurred during a time period where the servicers were making specific efforts to address borrower needs arising from the natural disasters, examiners did not issue any matters requiring attention for these violations.  Instead, servicers developed plans to enhance staffing capacity in response to any future disaster-related increases in loss mitigation applications.The CFPB also found violations regarding payday lending. One or more lenders were found to have violated the Regulation B adverse action notice requirement by sending notices that stated one or more incorrect principal reasons for taking adverse action.  Such violations were attributed to coding system errors.  Print This Post Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles About Author: Seth Welborn Subscribe February 19, 2020 2,126 Views Demand Propels Home Prices Upward 2 days agocenter_img The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Tagged with: CFPB default Loss Mitigation in Daily Dose, Featured, Government, Loss Mitigation, News CFPB Identifies Mortgage Servicing Violations CFPB default Loss Mitigation 2020-02-19 Seth Welborn Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: One-on-One With the Leader of Service Mac Next: Great Recession Recovery Recorded Across the Nationlast_img read more

Scholarships honor students, legacy of posterity

first_img Pike County Sheriff’s Office offering community child ID kits Book Nook to reopen Belcher said Patton, a 2010 graduate of Troy University, has a degree in criminal justice and is employed by the State of Texas as a detective.“These four young people have gratefully benefited from a family that embraces education as an essential choice in personal development and who cares enough to reach out,” Belcher said. Plans underway for historic Pike County celebration Troy falls to No. 13 Clemson Print Article Most often, it is not what people do during their time on earth; rather it is what they leave behind. George Washington Crawford Sr. left behind a legacy of posterity.Crawford was a longtime member of Greater Saint Paul AME Church in Troy and an educator in the Pike County School System during the 1960s and 1970s.Dr. Johnny Wright, who was principal at Pike County High School when Crawford retired, said he was a man of principle. Walker, a 2013 graduate of Hoover High School in Birmingham is the most recent scholarship recipient.“Kimani is presently enrolled at Troy University as a freshman with concentration in computer science,” Belcher said. “Two local 2011 high school graduates received the Crawford scholarships.”Stringer, a graduate of Goshen High School, is currently enrolled at Enterprise Community College and Moss, a graduate of Charles Henderson High School, attended the University of Alabama.“Quintus’ interest is in sports education,” Belcher said. “He is employed at HB&G and looks to re-enroll at Troy University.” Email the author Around the WebMd: Do This Immediately if You Have Diabetes (Watch)Blood Sugar BlasterIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential HealthRemember Them? I’m Sure Their New Net Worth Will Leave You SpeechlessbradofoThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel Latest Stories The Penny Hoarder Issues “Urgent” Alert: 6 Companies… Remember America’s heroes on Memorial Day By The Penny Hoarder Skip Sponsored Content “Mr. Crawford taught junior high science,” Wright said. “He was a dedicated teacher and did his job well every day. He was liked by everyone. He was an all around good person.”Dorothy Belcher, Greater Saint Paul secretary, said Crawford reached back through his daughters and has made it possible for four young members of Greater Saint Paul to be aided in their quest for post high school learning through the George Washington Crawford Sr. Memorial Scholarship.“His daughters, Georgia Campbell and Delois Crawford, have been instrumental in setting and developing criteria necessary for interested scholarship applicants,” Belcher said. “The scholarships of $500 each have benefited four very deserving students, Kimani Walker, Dorothy Simone Stinger, Quintus Moss and Mitchell Patton.” By Jaine Treadwell Scholarships honor students, legacy of posterity You Might Like Threadgill named to top five in superintendent search The Troy City Schools administrative assistant to the superintendent has made it to the top five candidates in the search… read more Published 6:49 pm Wednesday, August 28, 2013last_img read more

Sorority suspended for scavenger hunt that university calls ‘morally questionable’

first_imgLehigh University(BETHLEHEM, Pa.) — A sorority at a university in Pennsylvania has been banned from the campus for more than two years after an investigation revealed that drugs, alcohol and sexual activity were part of a scavenger hunt run by the Greek organization, the university said.Alpha Chi Omega’s Theta Chi chapter has lost its recognition from Lehigh University, which is about 60 miles north of Philadelphia, and will be banned from campus through May 2020, the university said in a statement to ABC News.“Lehigh University expects all students to uphold community standards,” the statement said. The scavenger hunt “failed to meet these standards.”The event was held in early December 2017 and called Road Rally, according to a post on a blog for the Lehigh Greek community, which the university confirmed is accurate.After the university received reports of the incident, it placed the chapter on interim suspension on Dec. 12, the blog said. The national organization of Alpha Chi Omega went to the university to conduct its own investigation, which led to the sorority’s headquarters putting the Lehigh chapter on probation, according to the blog.Alpha Chi Omega’s national headquarters did not immediately respond to ABC News’ request for comment. However, according to The Associated Press, the national organization conducted an investigation resulting in probation and individual punishments..Lehigh University’s investigation led to its discipline committee on March 5 finding that the campus chapter of the sorority had violated several terms of the university’s code of conduct, including on hazing, respect for community and respect for self, according to a statement by the committee posted on the Greek organizations’ blog.On the hazing charge, the discipline committee found that the sorority “created a situation that occurred on and off campus involving morally questionable quests such as a scavenger hunt” and treasure hunts. The actions that were part of such hunts “may not have been required for affiliation” in the sorority but “are clearly considered a rite of passage and a consistent part of membership.”In explaining its decision to temporarily end the sorority’s recognition by the university, the panel said “the incident was a significant reprehensible event that the entire chapter was aware of and leadership endorsed.”“There is credible information that this event has been going on for years,” the committee said, adding that it is “deeply concerned about the escalated nature of the content of this year’s list.”The sorority has the right to appeal, according to the disciplinary committee statement posted on the Greek community blog.Copyright © 2018, ABC Radio. All rights reserved.last_img read more