Passive income: how to live comfortably in retirement from dividend stocks

first_imgPassive income: how to live comfortably in retirement from dividend stocks “This Stock Could Be Like Buying Amazon in 1997” Image source: Getty Images 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 | Wednesday, 11th March, 2020 See all posts by Peter Stephens 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 Simply click below to discover how you can take advantage of this. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Building a retirement portfolio which can provide a growing passive income may not seem like a simple idea. However, with the stock market offering long-term growth potential and an impressive income outlook, it could be a relatively straightforward means of improving your financial prospects in older age.Through focusing on the long term, diversifying to reduce risk and reinvesting dividends received where possible, you could enjoy a robust and rising passive income in older age from a portfolio of stocks.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…Long-term focusAt the present time, the risks facing the world economy from coronavirus appear to be relatively high. A range of major companies have reported a slowdown in demand from China, while a shutdown to factories in a number of different locations means that global supply chains could be negatively impacted by the outbreak.While this may cause investors to focus their capital on less risky assets, such as cash and bonds, taking a long-term approach could be a better idea. For example, if you are seeking to build a portfolio for your future retirement, the recent pullback in the stock market’s price level could be an opportune moment to buy high-quality income shares while they trade on low valuations.Similarly, if you are already retired and rely on your shares for an income, focusing on the long-term prospects for specific companies, rather than their short-term share price performance, may enable you to capitalise on favourable yields which are available at the present time.DiversificationBuying a wide range of shares is a simple means to reduce risk. All investors make mistakes when buying equities, with the outcome of all your investment decisions unlikely to be positive all of the time.As such, whether you are building a retirement nest egg or are already retired, diversifying your portfolio across a wide range of companies could be a shrewd move. Not only does it reduce the risk of a poor performance from one of your stocks impacting negatively on your overall portfolio, it provides you with the opportunity to broaden your holdings to a wider range of growth opportunities which may benefit your passive income level in the long run.ReinvestmentWhile it is tempting to spend all of the income you receive from your portfolio, reinvesting it where possible could be a good idea. Reinvesting dividends may enable you to capitalise on the market’s periodic downturns, where share prices offer wider margins of safety and higher dividend yields. It may also mean that your portfolio grows in size at a faster pace so that it is easier in the long run to generate a worthwhile passive income which increases at an above-inflation pace.Although investing in shares can be viewed as risky by some individuals, they offer a relatively high level of passive income which could grow at a fast pace in the long run. Since many stocks are currently undervalued following the recent stock market correction, now could be the right time to build your retirement portfolio. Enter Your Email Address Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee.last_img read more

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Why is the Rolls-Royce share price down 8% today?

first_imgSimply click below to discover how you can take advantage of this. James J. McCombie | Friday, 11th December, 2020 | More on: RR Don’t miss our special stock presentation.It contains details of a UK-listed company our Motley Fool UK analysts are extremely enthusiastic about.They think it’s offering an incredible opportunity to grow your wealth over the long term – at its current price – regardless of what happens in the wider market.That’s why they’re referring to it as the FTSE’s ‘double agent’.Because they believe it’s working both with the market… And against it.To find out why we think you should add it to your portfolio today… At the time of writing the Rolls-Royce (LSE: RR) share price is down almost 8%. Earlier today the company released a trading update which will help explain why stock in UK-based engineering company is falling. However, the FTSE 100 is also down around 0.8% so far today. An increased likelihood of a no-deal Brexit seems to be the force driving the market lower.The Rolls-Royce share price reacts to the movements in the market, in this case, the FTSE 100. Rolls-Royce stock has a beta of 1.7658 with respect to the overall market. That means we would expect a 0.8% down move in the FTSE 100 to cause Rolls-Royce stock to fall by about 1.41%. But, that still leaves some 6.59% of the decline in the Rolls-Royce share price to try to explain. So, let’s turn to the third-quarter trading update.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…Rolls-Royce trading updateA major reorganisation program, announced in May 2021, is still expected to deliver £1.3bn in pre-tax cost savings by the end of 2022. There was more good news. Rolls-Royce’s power division is showing signs of early improvement, and its defence business has a full order book for 2021. Engine flying hours are gradually recovering. This is good news for the civil aviation business, which was badly hit by the pandemic.Rolls-Royce’s CEO, Warren East, reported that the £5bn debt and equity recapitalisation package was well supported and has strengthened the company’s balance sheet. In particular, the company has around £8.75bn in liquidity and expects to end the year with net debt (including lease liabilities of approx £2.1bn) between £3.6bn and £4.1bn.Rolls-Royce now expects a free cash outflow of £4.2bn in 2020. Previous guidance, made at the half-year point, was for a £4bn outflow. The deterioration in free-cash-flow forecasts was blamed on the second wave of the coronavirus. The company is still optimistic about turning free-cash-flow positive at some point in the second half of 2021. A target of £750m of free-cash-flow (excluding disposals) as early as 2022 remains unchanged along with £2bn of disposal proceeds.An agreement to sell the company’s civil nuclear instrumentation and control business has been signed. ITP Aero, a jet engine maker, and Bergen Engines, a gas and diesel engines business, are earmarked for disposal. Together these three business sales would comprise the bulk of that £2bn target.Rolls-Royce share price slideThe overall theme of the trading update was that the second wave of the coronavirus had slowed Rolls-Royce’s recovery. For example, the company was keen to point out that its best guess for engine flying hours for 2020 was 45% of 2019 levels. Up until November, flying hours were at 42%, and had been steadily improving since April’s low point.Rolls-Royce’s management feels more certain around their forecast of when commercial air travel will return to something approaching normality since coronavirus vaccination programmes have begun. That appears to be why they are confident of hitting that £750m free cash flow as early as 2022.Since the Rolls-Royce share price is down 8%, shareholders do not seem to have taken the update as positive. They might have focused on the increased free-cash-flow hit for this year. A challenging end to 2020 might be feared to extend deeper into 2021 than Rolls-Royce’s management expects. Why is the Rolls-Royce share price down 8% today? Our 6 ‘Best Buys Now’ Shares Enter Your Email Address There’s a ‘double agent’ hiding in the FTSE… we recommend you buy it!center_img See all posts by James J. McCombie 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. Image source: Getty Images. James J. McCombie has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. 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. Click here to get access to our presentation, and learn how to get the name of this ‘double agent’!last_img read more

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Why I think index funds are great for investing beginners

first_imgWhy I think index funds are great for investing beginners Index funds have been around for several years, and their presence has really shaken up the financial markets sector. That’s because they offer retail investors a simple and affordable way for beginners to get started in stock market investing. An index fund is essentially a basket of stocks, and the fund is managed by a team of professional investors. Rather than buying individual stocks, the investor can buy an index fund and immediately own multiple stocks.Why invest in an index fund?The reason index funds have become so popular is that their fees are very low or even non-existent. This makes it an affordable way for beginners to start investing with little money. But they also offer a way of passive investing in areas of interest to the individual without having to do much groundwork. They’re a hands-off way to get involved in the market if learning and researching is of little interest.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…Personally, I love reading and writing about the stock market and I’m fascinated by the wealth of information and dynamics going on in the world of stock market investing. This leads me to comfortably invest in a mixture of funds and individual stocks. However, this is understandably not everyone’s cup of tea, and that’s where index funds are a marvellous invention.Which index funds are popular?Funds also give investors a chance to choose a specific sector that’s important to them. For example, a renewable energy fund, a technology fund, or a commodities fund. For an investor who wants to invest in US stocks but finds it daunting, a US index fund can be a great choice. Vanguard S&P 500 ETF is a favourite as it tracks the S&P 500 index. Whereas JP Morgan Emerging Markets fund includes companies based in China, South Korea, India and the US.Meanwhile, for those who like the idea of investing in FTSE 100 companies, the iShares Core FTSE 100 UCITS ETF is a popular choice. Overall, index investing gives beginners a chance to dip their toe in the stock market without feeling overwhelmed.Buy and holdHowever, for those of us who enjoy the learning process, buying individual stocks to hold for the long term can be extremely lucrative. If the full process of investing appeals, and if learning about capital markets, businesses and sector growth is something we want to pursue, then index funds can be the perfect springboard on the quest for financial freedom. Owning a basket of stocks gives investors a glimpse into how several companies perform over time.Both approaches have their advantages, of course. Billionaire investor Warren Buffett has a bullish take on index fund investing. He primarily advocates a buy-and-hold strategy of purchasing shares in individual companies. But he also sees the benefits to retail investors of doing both. I agree with this as it also helps give diversity to a portfolio, which is really important for reducing risk. 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 of this special investment report — and we’ll tell you the name of this Top Small-Cap Stock… free of charge! Kirsteen has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Enter Your Email Address Image source: Getty Images Kirsteen Mackay | Thursday, 31st December, 2020 To help you choose individual stocks or get ideas for an index fund investment, the Motley Fool can help you with their high quality reports and research. Sign up today. Our 6 ‘Best Buys Now’ Shares 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. Adventurous investors like you won’t want to miss out on what could be a truly astonishing opportunity…You see, over the past three years, this AIM-listed company has been quietly powering ahead… rewarding its shareholders with generous share price growth thanks to a carefully orchestrated ‘buy and build’ strategy.And with a first-class management team at the helm, a proven, well-executed business model, plus market-leading positions in high-margin, niche products… our analysts believe there’s still plenty more potential growth in the pipeline.Here’s your chance to discover exactly what has got our Motley Fool UK investment team all hot-under-the-collar about this tiny £350+ million enterprise… inside a specially prepared free investment report.But here’s the really exciting part… right now, we believe many UK investors have quite simply never heard of this company before! The high-calibre small-cap stock flying under the City’s radar Simply click below to discover how you can take advantage of this. See all posts by Kirsteen Mackaylast_img read more

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Ocean Grand Residence / Dahin Development + T. D. Lee ARCHITECT

first_img Photographs ArchDaily Year:  Houses Ocean Grand Residence / Dahin Development + T. D. Lee ARCHITECT ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/139965/ocean-grand-residence-dahin-development-t-d-lee-architect Clipboard 2011 “COPY” Ocean Grand Residence / Dahin Development + T. D. Lee ARCHITECTSave this projectSaveOcean Grand Residence / Dahin Development + T. D. Lee ARCHITECT CopyHouses•New Taipei City, Taiwan (ROC)center_img ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/139965/ocean-grand-residence-dahin-development-t-d-lee-architect Clipboard Save this picture!©  Dahin Development+ 20 Share Photographs:   Dahin DevelopmentText description provided by the architects. Danshuei is a beautiful town surrounded by the largest Mangrove Ecosystem and the seaside landscape in New Taipei City, Taiwan. The project, “Ocean Grand Residence” located in Danshuei very close to the natural environment with wonderful views of mountains and the river confluence. The building’s form is derived from the water flow and dedicated to reflect the link between nature and residential construction.Save this picture!©  Dahin DevelopmentRecommended ProductsPorcelain StonewareApavisaSlabs – ConcreteWoodAccoyaAccoya® CanalsCoffee tablesBoConceptMadrid Coffee Table AD19“Ocean Grand Residence” is a contemporary architecture at 5,067 sqm and 15 stories high. The high position of the building area allows residence to have the ocean view from inside the house. The ground floor of the building is open for an art museum, while the apartments are situated on the upper floors. The wavy exterior facade of this building offers a greater view and decreases the oppressed feeling between each floor. Save this picture!©  Dahin DevelopmentThis project has been considered as one of the most contemporary architecture in Taiwan, which won the Gold Prize for the residential architecture of Taiwan Architecture Award.Save this picture!©  Dahin DevelopmentProject gallerySee allShow less2011 Pritzker Prize Ceremony: Eduardo Souto de Moura, and Barack ObamaArticlesApartment Building In Brünnen / kitArticles Share “COPY” Architects: Dahin Development, T. D. Lee ARCHITECT Year Completion year of this architecture project Taiwan (ROC) Projects CopyAbout this officeDahin DevelopmentOfficeFollowT. D. Lee ARCHITECTOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesHousingResidentialNew Taipei CityTaiwan (ROC)Published on June 04, 2011Cite: “Ocean Grand Residence / Dahin Development + T. D. Lee ARCHITECT” 04 Jun 2011. ArchDaily. Accessed 12 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogPanels / Prefabricated AssembliesTechnowoodPanel Façade SystemCompositesMitrexPhotovoltaic Solar Cladding – BIPV CladdingMetal PanelsAurubisMill Finished Copper: Nordic StandardDoorsRaynorThermal Sectional Doors – FlexFamily™SinksBradley Corporation USASinks with WashBar Technology – Verge LVQ SeriesExterior DeckingLunawoodThermowood DeckingStonesCosentinoNon-slip Treatment – Dekton® Grip +Metal PanelsSherwin-Williams Coil CoatingsValflon® Coating in Edmonton Public LibraryWallcovering / CladdingLinvisibileLinvisibile Boiserie and Skirting Systems | OrizzonteMineral / Organic PaintsKEIMMineral Paint in Beethoven HausWall / Ceiling LightsEureka LightingCeiling Recessed Lights – OutlineFurnitureFrapontWood Furniture and EquipmentMore 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 streamlast_img read more

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Cantzheim Vineyard Manor House / Max Dudler

first_img Lighting Design: Cantzheim Vineyard Manor House / Max Dudler Projects Kunstlicht ohG Germany Cantzheim Vineyard Manor House / Max DudlerSave this projectSaveCantzheim Vineyard Manor House / Max Dudler ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/877468/cantzheim-vineyard-manor-house-max-dudler Clipboard ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/877468/cantzheim-vineyard-manor-house-max-dudler Clipboard Photographs CopyHouses, Adaptive Reuse, Renovation•Kanzem, Germany Houses Photographs:  Stefan Müller Year: center_img 2016 Construction Supervisation:Weltzel & Hardt, TrierStructural Engineers/ Fire Safety:Ingenieurbüro SchenckBuilding Services:Ingenieurbüro RittgenBuilding Physics/Acoustics:ITA Ingenieursgesellschaft für Technische AkustikKitchen Planers:Eibach Küchen GmbHProject Manager:Simone BoldrinTeam:Katharina Laekamp, Kilian Teckemeier Julia Lapsin, Patrick GründelCity:KanzemCountry:GermanyMore SpecsLess SpecsSave this picture!© Stefan MüllerRecommended ProductsWindowsJansenWindows – Janisol PrimoWoodAccoyaAccoya® Cladding, Siding & FacadesWindowsLibartVertical Retracting Doors & WindowsDoorsVEKADoors – VEKAMOTION 82″Gutshaus Cantzheim” is a late Baroque manor set before a stunning backdrop of vineyards in the town of Kanzem, Germany, near Trier. The house was recently renovated and modernized by Max Dudler while simultaneously respecting the guidelines for historically protected buildings. His goal was to revive the extraordinary connection between the architecture and the landscape it inhabits.Save this picture!© Stefan MüllerSave this picture!Site Plan and ElevationSave this picture!© Stefan MüllerTwo new auxiliary buildings have also been erected at a respectful distance, accentuating the solitary dignity of the manor house. Bernhard Korte’s understated landscape design further articulates the harmony between the overall ensemble and its picturesque surroundings.Save this picture!© Stefan MüllerThe proud history of the property dates to 1740, when it formed part of the former wine growing estate of the Premonstratensian Wadgassen Abbey. It spent a long period in later years in the hands of the Episcopal Seminary of Trier. Yet in the end, it was the intrinsic beauty of the estate that moved its current owner to purchase it in 2007.Save this picture!© Stefan MüllerThe restoration and development were primarily focused on accentuating the distinctive nature of the late Baroque manor house and drawing the impressive backdrop – the sweeping Kanzemer Altenberg vineyards, with their clearly divided rows of vines – into an observer’s overall impression of the estate.Save this picture!© Stefan MüllerSave this picture!Manor House Plans and SectionsSave this picture!© Stefan MüllerThe manor’s Baroque-era sections were accorded top priority and the decision was made to remove later additions. The renovation plans for the interior of the house dictated that the original structure is left intact, but the rooms would be modernized for contemporary use. The coach house was rebuilt to house the manor’s technical infrastructure, eliminating the need to cut unnecessarily into the Baroque building materials.Save this picture!© Stefan MüllerThe new buildings, coach house, and orangery were all built at a distance from the main house, yet stand on a single axis with it. When regarding the ensemble from a distance, the alignment relieves the manor house of its dramatic tension and conveys a sense of continuity to the entire extended Baroque property. The overall composition and construction are oriented toward the landscape around it.Save this picture!Remise Plans and SectionsThe walls of the two-story coach house, including its roof, are produced from rammed concrete. This special technique requires the application of each of its many concrete layers by hand, reproducing the earthen tones of the surrounding vineyards. The orangery to the west of the house is composed of steel and glass and serves to some degree as a counterweight to the monolithic coach house.Save this picture!© Stefan MüllerThe airy structure picks up on the verticality of the rows of vines that dominate the landscape. The axial alignment of the new buildings produces a striking juxtaposition of different eras and technologies: the ancient waters of the Saar, the paved roads as a contemporary form of transportation, the Baroque manor house and the rail line as a nod to industrial modernity.Save this picture!© Stefan MüllerSituated along the horizon, they form an unmistakable panorama that highlights the successful renovations with amazing urgency. The property can be accessed directly from the Kanzem train station, a feat made possible through the acquisition of a plot around the station’s small forecourt. It once belonged to the state’s neighbor, but now ties the late Baroque manor back into the doings of its community.Save this picture!© Stefan MüllerSince completion, the property has served as a guest house, wine cellar, event room and private residence. The elegant interior design stands in respectful harmony with the existing infrastructure. On the raised ground floor, space was modified to include a commercial kitchen with two dining rooms; the historic vaulted cellar serves as an event space.Save this picture!© Stefan MüllerThe upper floor and attic have been split into three guest rooms, as well as a private apartment with a separate entrance. Two additional guest rooms are located on the upper floor of the coach house. One room at the heart of the Baroque building has retained its original character in full: the former chapel, lit by historical vertical light shafts that even now imbue it with a sacral reminiscence of its former calling.Save this picture!© Stefan MüllerProject gallerySee allShow lessRequest for Proposals (RFP) Development of Queen Victoria Park, Niagara Falls Concep…Built Projects & MasterplansPlug House / studioLOOPSelected Projects Share “COPY” Landscaping: Bernhard Korte “COPY” Save this picture!© Stefan Müller+ 30 Share Area:  1500 m² Year Completion year of this architecture project Architects: Max Dudler Area Area of this architecture project ArchDaily CopyAbout this officeMax DudlerOfficeFollowProductsWoodGlassConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentAdaptive reuseRenovationKanzemGermanyPublished on August 11, 2017Cite: “Cantzheim Vineyard Manor House / Max Dudler” 11 Aug 2017. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogSinkshansgroheBathroom Mixers – FocusGlass3MGlass Finish – FASARA™ Fabric/WashiPartitionsSkyfoldVertically Folding Operable Walls – Mirage®WoodParklex International S.L.Wood Finishes in Landaburu BordaSinksBradley Corporation USASinks – Frequency® FL-SeriesMetallicsTrimoFire Resistant Panel – Trimoterm FTVSkylightsVELUX CommercialModular Skylights – Northlight 40-90°SinksAcquabellaSink – LeviCurtain WallsRabel Aluminium SystemsMinimal Curtain Wall – Rabel 35000 Slim Super ThermalWoodBlumer LehmannData Processing for Wood ProjectsPorcelain StonewareCeramiche KeopeCeramic Tiles – EvokeChairs / StoolsBassamFellowsSpindle Chair and StoolMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

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Dormant accounts funding moves closer

Tagged with: Ireland Law / policy Northern Ireland AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 Howard Lake | 11 September 2012 | News The allocation of money from dormant bank accounts in Northern Ireland to community groups has taken a step closer after the Department of Finance and Personnel (DFP) announced that it has a preferred organisation to distribute the funds.DFP has told the Northern Ireland Council for Voluntary Action (NICVA) that it wants the Ulster Community Investment Trust (UCIT) to allocate the money which will be distributed in the form of loans rather than grants.Previously DFP said that up to £1.3 million would be available in the first year, considerably less than earlier estimates which indicated that up to £20 million might be disbursed in the first year with smaller amounts in subsequent years.DFP will shortly be bringing forward legislation related to the distribution of funds which will reflect the spending priorities of DFP.The Department of Finance and Personnel undertook public consultation from August to October 2009 to identify the spending priorities for the use of the dormant accounts funding.It is proposed that UCIT will operate as the body through which the Dormant Accounts Funding will be channelled to other bodies, in the form of repayable loans.There is still time to respond to the proposals by contacting DFP by 2 November 2012.www.dfpni.gov.uk/index/about-dfp/consultation-zone.htmPhoto: olliruam77 on Flickr.com Dormant accounts funding moves closer  47 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 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. read more

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BBC Radio 1 & 1Xtra launch #1millionhours

first_img Tagged with: Digital radio Volunteering AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis10 BBC Radio 1 & 1Xtra launch #1millionhours Melanie May | 2 December 2015 | News BBC Radio 1 and 1Xtra are calling for people to pledge their time as charity volunteers with their #1millionhours campaign.The radio stations have joined up with Age UK, Barnardos, Cancer Research UK and Oxfam in the year-long campaign, and are asking people to volunteer their time to one of these four. People can also volunteer their time with a charity of their own choosing.The campaign directs potential volunteers to fill in an application form on the BBC website. The BBC is logging the hours pledged through this form, which asks people to specify how many hours they think they can pledge, plus their preferred charity.  Once the volunteer has chosen a charity, the form redirects them to that charity’s site to complete their pledge and application.The station is asking people who choose a different charity or organisation to share their pledge on Twitter or Instagram, with the hours they have in mind, and the hashtag #1millionhours.Volunteering opportunities include helping out in Age UK shops, day centres or at events, being a stock room or retail assistant for Barnardo’s, being an Oxfam steward at a summer festival, and cheering Cancer Research UK runners across race finish lines.The campaign is being promoted on Radio 1 and 1Xtra, as well as online, through social media channels, and with a BBC iPlayer documentary.Ben Cooper, controller of Radio 1 and 1Xtra, said:“I want BBC Radio 1 and 1Xtra to be a force for good in the UK and magnify all the positive work that young people do for others, so we’re very proud to be working alongside some of the most experienced organisations in the country to reach 1 million hours of volunteering.”  218 total views,  1 views today Advertisement About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com.  219 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis10last_img read more

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The United States ranks 41st in Reporters Without Borders 2016 World Press Freedom Index

first_img April 20, 2016 The United States ranks 41st in Reporters Without Borders 2016 World Press Freedom Index News 2016 World Press Freedom Index: a “deep and disturbing” decline in media freedom Organisation United StatesAmericas Judicial harassmentEconomic pressureFreedom of expression 2016 World Press Freedom Index ­– leaders paranoid about journalists Follow the news on United States Receive email alerts The United States has gone from 49th to 41st place on the World Press Freedom Index, the latest version of which was published by RSF on April 20. The United States now ranks higher than France (45th), but still ranks lower than Canada (18th).After months of US government consultations – which included RSF – President Barack Obama met in June 2015 with former hostages and the families of US citizens held hostage abroad and unveiled a new hostage policy. RSF hailed the policy improvements, including provisions for involving the families more and the possibility of negotiating with hostage-takers, but RSF reminds US authorities that they must continue to live up to expectations generated by the announcement. Austin Tice, the last American journalist missing or held hostage abroad since Jason Rezaian’s release from Iran, is still missing in Syria.In January 2015, the Department of Justice (DOJ) stopped its harassment of New York Times’ journalist James Risen. The DOJ had tried for years to force him to reveal his sources for the book he published on the CIA, State of War, and threatened jail time if he refused. Furthermore, the increase in the US’ ranking is also due to the fact that all journalism-related charges in the case against former Vanity Fair and Guardian contributor, now The Intercept contributor Barrett Brown were dropped in March 2014 ; he is no longer in jail for his activities as a journalist.The main cause for concern for RSF continues to be the current administration’s obsessive control of information, which manifests itself through the war on whistleblowers and journalists’ sources, as well as the lack of government transparency, which reporters have continually criticized. The Obama administration has prosecuted more whistleblowers under the Espionage Act than all previous administrations combined. Jeffrey Sterling, a former CIA operative, was convicted solely on the basis of metadata in January 2015 of disclosing classified information to James Risen and is now serving a 3.5 year prison sentence.The US presidential election has also been cause for concern. Since the primaries began last summer, journalists have seen their access to campaign events regularly restricted by candidates from both political parties and have been insulted and even bullied on social media. RSF is also still troubled by the arrest of journalists during #Blacklivesmatter protests in Baltimore and Minneapolis. “There is still room for improvement in the country of the First Amendment,” says Delphine Halgand, RSF’s US Director. Published by RSF every year since 2002, the World Press Freedom Index measures the level of freedom of information in 180 countries using a series of indicators (pluralism, media independence, media environment and self-censorship, legislative framework, transparency, infrastructure, and abuses and acts of violence against journalists). to go furthercenter_img April 13, 2016 Find out more News Reports RSF_en April 20, 2016 Find out more Help by sharing this information United StatesAmericas Judicial harassmentEconomic pressureFreedom of expression The United States’ ranking improved in Reporters Without Borders (RSF) World Press Freedom Index, published on April 20. At 49th place in 2015, the country now ranks 41st out of 180 countries. This improvement in ranking is, however, quite relative, as in this section of the Index surrounding countries’ scores are close and small improvements are enough to drive such a positive evolution. This relative improvement by comparison hides overall negative trends.last_img read more

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308 dogs put down at pound

first_imgAdvertisement Twitter Limerick Ladies National Football League opener to be streamed live WhatsApp Limerick’s National Camogie League double header to be streamed live Vanishing Ireland podcast documenting interviews with people over 70’s, looking for volunteers to share their stories TAGSanimal welfarefeaturedlimerickLimerick Animal WelfareLimerick City and County CouncilLimerick dog poundMarion Fitzgibbon  LIMERICK City and County Council put 308 unwanted dogs to sleep at its dog shelter in Mungret last year, which is the second highest kill rate in the country after Wexford.Figures published by the Department of the Environment show that the city and county’s dog pound dealt with 639 dogs in 2014, 490 of the animals were seized and 148 were surrendered by their owners.Sign up for the weekly Limerick Post newsletter Sign Up Of these, just 81 found new homes and only 25 were reclaimed by their owners.A further 223 dogs were transferred to animal welfare groups.According to a spokesperson for Limerick City and County Council, 77 per cent of the dogs were strays seized by the local authority’s dog wardens, “which is much higher than the national average”.“In general, strays are more difficult to rehome than dogs that are surrendered to the service. Unfortunately, some strays are just not suitable or fit for rehoming due to their temperament and unknown background,” said the spokesperson.She added that the number of dogs rehomed is not out of line with most other local authorities, but admitted it was “lower than we would like”.The council says it has already extended the opening hours of the pound and hired a kennel assistant in June 2014, whose efforts to improve rehoming rates “would not be fully reflected in the statistics”.“Since late last year, we have also begun social media campaigns to rehome dogs with their images and details of previous dogs who have been rehomed. The council also linked up with a number of welfare groups which do excellent work on rehoming”, added the spokesperson.Limerick Animal Welfare founder Marion Fitzgibbon said that the number of dogs put to sleep has decreased in recent years, but that the number of unwanted dogs in Ireland is still far too high.“Animal shelters just can’t cope with the number of dogs. The figures are so high because so many unwanted dogs are being born. Cats are even worse, they are treated like vermin. There is absolutely no cat control at all.”She added that if Limerick Animal Welfare wasn’t taking in so many dogs, the Council “would be putting down four times as many”.Nationally, 14,559 dogs found their way into Irish pounds in 2014, a reduction of 1,000 dogs compared to the previous year.Some 43 per cent were saved by animal rescue groups, and 2,896 dogs were put to sleep – a reduction of 620 dogs from the 2013 figures.The pounds directly rehomed 3,129 of the dogs, while 2,252 were reclaimed by owners.To view dogs available for rehoming, go to www.limerick.ie/council/rehome-dog-limerick-dog-shelter. Previous articleOwner of pet savaged by pitbull ‘in shock’ after attackNext articleGoing underground John Keoghhttp://www.limerickpost.ie Printcenter_img News308 dogs put down at poundBy John Keogh – June 4, 2015 2965 RELATED ARTICLESMORE FROM AUTHOR Predictions on the future of learning discussed at Limerick Lifelong Learning Festival Limerick Artist ‘Willzee’ releases new Music Video – “A Dream of Peace” WATCH: “Everyone is fighting so hard to get on” – Pat Ryan on competitive camogie squads Linkedin Facebook Emaillast_img read more

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Forbearance Volume Continues to Slide

first_imgHome / Daily Dose / Forbearance Volume Continues to Slide Demand Propels Home Prices Upward 1 day ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 1 day ago Sign up for DS News Daily Forbearance Volume Continues to Slide About Author: Eric C. Peck Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe Data Provider Black Knight to Acquire Top of Mind 2 days ago While an estimated 2.3 million homeowners are in forbearance plans, the latest Forbearance and Call Volume Survey from the Mortgage Bankers Association (MBA) has found that the number of loans now in forbearance reached 4.50%, down 16 basis points from last week’s share of 4.66% of servicers’ portfolio volume.By investor type, the share of Fannie Mae and Freddie Mac loans in forbearance decreased relative to the prior week, from 2.52% to 2.44%, and the number of Ginnie Mae loans in forbearance fell from 6.33% to 6.16%. The share of other loans (e.g., portfolio and PLS loans) in forbearance decreased relative to the prior week: from 8.65% to 8.34%. The percentage of loans in forbearance for independent mortgage bank (IMB) servicers decreased 17 basis points to 4.72%, and the percentage of loans in forbearance for depository servicers declined 13 basis points to 4.67%.“The share of loans in forbearance decreased for the seventh straight week and has now dropped 40 basis points in the last two weeks. The forbearance share decreased for all three investor categories, with the rate for portfolio and PLS loans decreasing by 31 basis points this past week—the largest drop across investor categories,” said Mike Fratantoni, MBA’s Senior Vice President and Chief Economist. “Forbearance exits increased for portfolio and PLS loans, but decreased for GSE and Ginnie Mae loans. More than 36% of borrowers in forbearance extensions have now exceeded the 12-month mark.”By stage, 13.1% of total loans in forbearance were in the initial forbearance plan stage, while 82.1% were in a forbearance extension. The remaining 4.8% are forbearance re-entries.Servicer call centers found that the percentage of calls decreased from the previous week, from 8.5% to 7.9%, with the average call time coming in at exactly eight minutes“Economic data on home construction and consumer spending in March show a strong housing market and a quickened pace of economic activity,” said Fratantoni. “Combined with the homeowner assistance and stimulus payments that many households are receiving, we expect that the forbearance numbers will continue to decline in the months ahead, as more individuals regain employment. Homeowners who are still facing hardships and need to extend their forbearance term should contact their servicers.” Previous: FHA Revises Standard Single-Family Servicing Policies Next: Servicers Keep Ahead of Potential Foreclosure Wavecenter_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Eric C. Peck has 20-plus years’ experience covering the mortgage industry, he most recently served as Editor-in-Chief for The Mortgage Press and National Mortgage Professional Magazine. Peck graduated from the New York Institute of Technology where he received his B.A. in Communication Arts/Media. After graduating, he began his professional career with Videography Magazine before landing in the mortgage space. Peck has edited three published books and has served as Copy Editor for Entrepreneur.com. The Best Markets For Residential Property Investors 2 days ago Tagged with: Forbearance Forbearance and Call Volume Survey Ginnie Mae Mike Fratantoni Mortgage Bankers Association (MBA) The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles in Daily Dose, Featured, Journal, News Servicers Navigate the Post-Pandemic World 2 days ago Forbearance Forbearance and Call Volume Survey Ginnie Mae Mike Fratantoni Mortgage Bankers Association (MBA) 2021-04-19 Eric C. Peck  Print This Post The Best Markets For Residential Property Investors 2 days ago April 19, 2021 901 Views last_img read more

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