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2 UK dividend shares I’d buy in my Stocks and Shares ISA and hold forever!

first_img I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Royston Wild | Thursday, 14th January, 2021 | More on: BYG Enter Your Email Address 2 UK dividend shares I’d buy in my Stocks and Shares ISA and hold forever! 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. Simply click below to discover how you can take advantage of this. Our 6 ‘Best Buys Now’ Sharescenter_img See all posts by Royston Wild The euphoria which pushed UK share markets northwards at the start of 2021 has fizzled out in recent days. The steady rollout of a Covid-19 vaccine provides a chink of light for investors to latch onto. But optimism over the pandemic fight is being tempered by spiking infection rates.The emergence of new Covid-19 variants and returning lockdowns across the globe provide a serious threat to a strong economic recovery this year.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…Will 2021 be a better year for dividend chasers than last year? The economic outlook remains fraught with danger as the coronavirus crisis rolls on and on. Brexit provides another possible fly in the ointment for UK-focussed shares.But it looks like conditions for corporate earnings could bounce strongly during the second half. And this is bound to have a positive effect on investor income flows.Here are two top UK shares I’d happily buy for my Stocks and Shares ISA today. I reckon they’ll pay BIG dividends in 2021 despite the threat of a weak economic recovery.  And I expect them to deliver spectacular shareholder returns all the way through to the end of the decade too.#1: The self-storage star!Big Yellow Group (LSE: BYG) doesn’t offer the biggest dividends. But a forward yield of 3.1% smashes the current rate of inflation and beats the respective readings of many UK shares. Besides, it’s a great bet for those seeking strong dividend growth year after year. Big Yellow has raised the annual dividend by 36% during the past half a decade.The domestic economy is struggling, sure. But the self-storage providers continue to enjoy a roaring trade. Big Yellow saw like-for-like revenues rise a healthy 6.6% during the final three months of 2020. This was “our best occupancy performance in the third quarter for many years,” the UK share said.And occupancy has continued to grow during the company’s fourth fiscal quarter as well.#2: A UK share I own in an ISABuying warehouse and logistics facilities owners is another great way to play UK property in 2021. This is because their operations are critical to retailers, couriers and manufacturers of fast-moving consumer goods in the age of e-commerce. I’ve bought Tritax Big Box REIT shares in my ISA to get rich from the online shopping explosion. Today, it carries a chunky 4% forward dividend yield.There are other reasons why this UK share is a particularly good way to stay protected from the struggling British economy too. The rising role of automation in British business is one.Tritax Big Box’s enormous list of financially-robust blue-chip tenants (such as Kellogg’s, Tesco, DHL and Amazon) is another. This ensures that rent rolls remain robust too. Latest financials revealed the business expected to collect 99% of rents for the final quarter of 2020 by the end of November. John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Royston Wild owns shares of Tritax Big Box REIT. The Motley Fool UK owns shares of and has recommended Amazon. The Motley Fool UK has recommended Tesco and Tritax Big Box REIT and recommends the following options: long January 2022 $1920 calls on Amazon and short January 2022 $1940 calls on Amazon. 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. “This Stock Could Be Like Buying Amazon in 1997” 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.last_img read more

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Cl House / Steverlynck+Iglesias Molli Arquitectos

first_img Year:  “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/784787/cl-house-steverlynck-plus-iglesias-molli-arquitectos Clipboard Save this picture!© Francisca Steverlynck+ 28 Share Uruguay Photographs CopyHouses•Carmelo, Uruguay ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/784787/cl-house-steverlynck-plus-iglesias-molli-arquitectos Clipboard Projects 2013 Cl House / Steverlynck+Iglesias Molli ArquitectosSave this projectSaveCl House / Steverlynck+Iglesias Molli Arquitectos Area:  460 m² Year Completion year of this architecture project Cl House / Steverlynck+Iglesias Molli Arquitectos Houses ArchDaily Photographs:  Francisca SteverlynckConstruction Firm:Subias&PizarroLand Area:10.000 m2City:CarmeloCountry:UruguayMore SpecsLess SpecsSave this picture!© Francisca SteverlynckRecommended ProductsWindowsOTTOSTUMM | MOGSWindow Systems – BronzoFinestra B40WindowsSolarluxSliding Window – CeroWindowsRabel Aluminium SystemsMinimal Casement Windows – Rabel 8400 Slim Super Thermal PlusEnclosures / Double Skin FacadesAlucoilStructural Honeycomb Panels – LarcoreText description provided by the architects. The house is located in Carmelo Golf & Polo Country Club, 8km away from Carmelo, a 20.000 people town in the Department of Colonia, Uruguay.Save this picture!© Francisca SteverlynckWith a broken topography framed by lakes and an 18 hole golf course, the land is oriented towards the northeast where the best views of the Lakes, the golf course and the natural fields lie beneath. The land consists of an area of ​​10,000 m2. This particular condition allowed us to design the whole house on one level, spreading along the ground with all the rooms well oriented and with the best views.Save this picture!© Francisca SteverlynckThe program needs, included the main house with reception and three bedrooms and a “pool house” that can be used in turn as guest house.Save this picture!© Francisca SteverlynckThe main project idea was developed as a “strip” where the main house is solved overlooking the golf course and lake and the Pool House is located perpendicular to the main house forming an “L” that contain the exterior decks and pool.Save this picture!PlanThe main house was resolved through two aligned volumes of different heights. The highest and permeable volume (glass and iron columns) contains the living room, dining room and kitchen with service areas, and embraces a lower and more “blind” volume (walls of concrete and wood) where the bedrooms and the most intimate areas are located.Save this picture!© Francisca SteverlynckThese two volumes are sewn by a concrete lace to form a harmonious whole with long proportions that integrate the project with the environment.Save this picture!© Francisca SteverlynckThe transparency of the main volume with large sliding window/ doors leave the metal structure bare, reinforcing the concept of integration with the landscape. Save this picture!SectionA Concrete slab that overhangs 4mts is extended outwards generating a gallery.  A low-rise stone wall gives privacy (street façade) and resolves an entrance courtyard while penetrating into the interior of the glazed volume generating the chimney and dividing the living space with the dining room.Save this picture!© Francisca SteverlynckThe south side of the main volume was resolved with a massive stone wall to accommodate the household services. Outside, a wooden cars’ pergola softens up the blind stone wall’s hardness.The pool house was resolved with a permeable central area with living and dining rooms open towards the environment and the pool. The two ends of this volume with the sleeping area on one side and mechanical room on the other end, are made of wood and concrete walls giving privacy to these spaces.Save this picture!© Francisca SteverlynckSliding window doors open all the way, they slide inside the “blind” wooden walls, extending the pool’s solarium as a “sun’s protected” area.The materials’ choice for the house, both outside and inside, was thought in order to show them in its natural state; concrete walls and ceilings, smooth cement floors and stone walls blend harmoniously with wood on walls and decks and steel columns.Save this picture!© Francisca SteverlynckStone benches generate stepped terraces towards the lake and separate the wild land with the immediacy of the house.Project gallerySee allShow lessHenning Larsen Designs Sail-Inspired Denmark Pavilion for the 2016 Summer OlympicsIn ProgressNBBJ Begins Construction on Quadram Institute for Food and Health ResearchUnbuilt Project Share Architects: Steverlynck+Iglesias Molli Arquitectos Area Area of this architecture project “COPY” CopyAbout this officeSteverlynck+Iglesias Molli ArquitectosOfficeFollowProductsStoneConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesCarmeloDistrito de Víctor Larco HerreraUruguayPublished on April 03, 2016Cite: “Cl House / Steverlynck+Iglesias Molli Arquitectos” 03 Apr 2016. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogMetal PanelsAurubisCopper Alloy: Nordic BrassGlassMitrexSolar GreenhouseLouvers / ShuttersTechnowoodSunshade SystemsFaucetsDornbrachtKitchen Fittings – EnoWoodSculptformTimber Tongue and Groove CladdingMembranesEffisusFaçade Fire Weatherproofing Solutions in Design District Project LondonHanging LampsLouis PoulsenPendant Lights – KeglenBlinds / Mosquito Nets / CurtainsBANDALUXPleated ShadesEnclosures / Double Skin FacadesFranken-SchotterFacade System –  LINEAWoodBlumer LehmannCNC Production for Wood ProjectsMaterials / Construction SystemsCaneplex DesignPoles – Tonkin BambooFibre Cement / ConcreteTegralFibre Cement Slate Roofing – Thrutone Endurance SmoothMore products »Read commentsSave想阅读文章的中文版本吗?带状住宅 / Steverlynck+Iglesias Molli Arquitectos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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DCMS committee rejects Baroness Stowell as next Charity Commission Chair

first_imgDCMS committee rejects Baroness Stowell as next Charity Commission Chair  165 total views,  1 views today “Members asked fair questions that gave the candidate the opportunity to demonstrate her knowledge, skills and experience. Indeed, several Members made proactive efforts to tease out relevant examples of her interest in, and vision for, the sector, and were disappointed to receive answers that were often lacking in detail or relevance.”The letter also states that the Committee is particularly concerned with how the recruitment process has been handled, saying:“The process has lacked transparency and has been protracted. While we have been told that two other candidates were deemed appointable, we have not been given their names (despite Committee staff seeking this information.) We would like to request this information again: ie. the names of the other appointable candidates, and why Baroness Stowell was chosen over them?”Concerns over Baroness Stowell’s suitability had also been raised by those in the charity sector. Prior to the hearing, Collins received an open letter from Andrew Hind CB, Chief Executive, Charity Commission 2004-10. In it, Hind said:“The need for the charity regulator to be independent from both Government and party politics is surely self-evident.“Why then is the Government’s preferred candidate to be the next Chair of the Charity Commission a former Conservative Leader of the House of Lords, with little direct experience of either charities or regulation? Her fit with the published person specification is poor.”ACEVO, Bond, NAVCA, CFG and DSC also submitted a joint letter regarding the appointment process of the Chair of the Charity Commission. In it, the organisations’ Chief Executives raised concerns about the process for selecting the preferred candidate. The letter asks committee members what steps they will take to ensure that the process is in line with the governance code on public appointments, and expresses concern over Baroness Stowell’s close links with the Conservative Party.Vicky Browning, chief executive of ACEVO, said:“We would like to emphasise that our concerns about this appointment are not personal and we will work constructively with whichever candidate holds the post of chair of the Charity Commission.“However, an effective Charity Commission is essential to the ability of charities to deliver their work for the benefit of the public. To be effective, it must equally have the trust and confidence of the public, the state and the sector it regulates. It is therefore only right that we seek further information and assurance about our concerns.”The Committee’s full report and reasoning are to follow and the letter asks Hancock to take its considerations into account. Melanie May | 21 February 2018 | News  166 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis9 AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis9 Tagged with: Charity Commission politics MPs have rejected Baroness Stowell as the next Chair of the Charity Commission following yesterday’s pre-appointment hearing.In the hearing, Baroness Stowell said she had applied for the role because she wanted the opportunity to represent public interest in an ‘incredibly important’ sector. More specifically, with falling public trust in sector, she felt her experience in political and corporate world was very relevant and would make her a strong candidate. However, she agreed that she had ‘limited experience’ of the sector.Following the hearing, Damian Collins, MP, Chair of the DCMS Committee wrote to the Secretary of State, Matt Hancock MP, stating that the Committee could not support the Government’s nomination.The Committee was unanimous in this decision, which was based on four factors: experience, neutrality, the recruitment process itself, and performance. In the Committee’s view, Baroness Stowell lacks sufficient charity sector experience, while her political past raises concerns, and they felt she failed to withstand the scrutiny of the hearing.In the letter, Collins states that, during the hearing:“Baroness Stowell was unable to demonstrate to the Committee any real insight, knowledge or vision for the charities sector.”And that: 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.last_img read more

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Houston: Students, community demand fair pay for construction workers

first_imgStudent-worker rally at University of Houston, Jan. 23HoustonUniversity of Houston students, professors and community activists joined the Workers Defense Project and construction workers at a rally on Jan.23 to protest  conditions faced by these workers at the University of Houston’s Quad Housing project. They have not received prevailing wages or overtime pay as required by state law. After months of dealing with the general contractor and subcontractors, the workers are taking their issue of unpaid wages to the university administration.Speaking at the rally during their lunch break, some construction workers appealed to students to support their efforts to pressure the administration to deal with thieving contractors. At the rally, student activist Natasha Ulow, representing the Young Socialists of America, affirmed student support for the workers: “We stand with the workers of the Quads who have suffered wage theft. We unequivocally condemn the university administration, up to and including UH President Renu Khator, for condoning the conduct of those who have committed wage theft.” Ulow asserted, “We intend to continue standing and fighting alongside the workers for as long as it takes to bring about justice. It is an affront that workers are under a threat of retaliation if they speak about the conditions of their employment, that students will be living in dorms built by workers who have suffered wage theft. We urge the administration to respond, not only to pay them in full their stolen wages but to sincerely apologize to the workers and their families.”Other speakers included representatives of the AFL-CIO and the Workers Defense Project.  After the rally the crowd of over 50 people marched through campus to UH President Khator’s office to deliver their message.Rubac was a union carpenter in New York and Houston for nearly 10 years. FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

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Politics professor encourages universities to embrace free speech

first_imgprintProfessor Keith Whittington addresses TCU students during an event promoting his new book “Speak Freely: Why Universities Must Defend Free Speech.” (Photo by Michelle Carter)When it comes to free speech on college campuses, a politics professor said universities have the obligation to embrace and not discourage it.Keith Whittington, a William Nelson Cromwell politics professor at Princeton University, said free speech is paramount on campuses because universities are designed to advance human knowledge.“The capability to pursue questions and find what we think are the correct answers is crucial,” Whittington said.In a democratic society, free speech matters because it is important to criticize and hear criticism. The right to self-expression is inherent to how democracy works, but Whittington said that universities are not necessarily encouraging that.Whittington visited TCU Thursday to promote his new book “Speak Freely: Why Universities Must Defend Free Speech.”During his presentation, Whittington explained that universities should encourage free speech on all fronts, from students debating in open spaces, to faculty addressing issues in the classroom.“At times, speakers on campus are met with threats of violence for expressing opinions,” Whittington said. “This and other kinds of disruption are designed to interfere with the communication of ideas.”Confronting a dissenting opinion with violence is what Whittington says obstructs free speech.“We want to have a range of views presented to us and explore a range of things that might be interesting,” Whittington said. “That is part of what happens when you bring speakers and scholars to campus; there is an exchange of ideas.”Ultimately, universities should recognize and value expressions of dissent and disagreement because they provide opportunities to generate conversation and debate.“We learn from those conversations,” Whittington said. “It can be useful to hear those competing arguments, in part because it can help clarify why we hold the commitments we have and can it can help strengthen our own arguments and convictions about those statements.”Whittington also said that there is pressure on college campuses to be more restrictive on speech, but resisting that movement is partly why he wrote his book. “I think there’s a lot of commitment on campuses to be very open to a wide range of debate” Whittington said.After the event, Shawn Snoddy, a sophomore philosophy major and political science minor, said that if a speaker he disagrees with came to campus, he would not advocate for the speaker not to come.“I want to hear the debate and the exchange of ideas,” Snoddy said. “I think it should be civil and respectful. Of course, people can get emotional about ideas, but the difficulty and the objective is to not let that emotion get in the way of actually addressing the ideas.” Facebook Michelle Carterhttps://www.tcu360.com/author/michelle-carter/ From Horned Frog to Broadway spark Michelle Carterhttps://www.tcu360.com/author/michelle-carter/ Michelle Carter, a senior of the class of 2019, is a journalism major from Santiago, Chile. She’s a film and TV junkie, and when she’s not reporting, you can find her bingeing the latest on Netflix or catching up on her favorite podcasts. Facebook ReddIt Michelle Carterhttps://www.tcu360.com/author/michelle-carter/ Oscars: Where to watch each Best Picture nominee ahead of Sunday’s show TCU places second in the National Student Advertising Competition, the highest in school history Linkedin Linkedin Previous articleUPDATE: Several students report paintball, pellet attacksNext articleSports Update: Patterson earns Stallings Award, students get academic honors Michelle Carter RELATED ARTICLESMORE FROM AUTHOR Review: Netflix’s ‘Triple Frontier’ is ambitious, but soft The Class of 1969 marks 50 years Michelle Carterhttps://www.tcu360.com/author/michelle-carter/ ReddIt World Oceans Day shines spotlight on marine plastic pollution Photo courtesy of T. Kevin Birch from Degree or Not Degree website Twitter Twitter Michelle Carter Welcome TCU Class of 2025 + posts last_img read more

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RSF accuses government of endangering general interest

first_img February 18, 2016 – Updated on March 8, 2016 RSF accuses government of endangering general interest Record fine for Malaysian news site over readers’ comments News MalaysiaAsia – Pacific RSF supports the Centre for Independent Journalism (CIJ) and Gerakan Media Marah (the Angry Media Movement), an informal coalition of journalists, and their condemnation of a proposed amendment to the 1972 Official Secrets Act – which would penalize whistleblowers and the use by journalists of anonymous sources – as an act of “flagrant intimidation.”Under the amendment, journalists could be prosecuted for refusing to name the source of their information and maximum penalties would be increased to life imprisonment and 10 strokes of the cane. As things stand, the penalty for divulging official secrets is one to seven years in prison. In an article in the Chinese-language newspaper Sin Chew Daily, attorney general Mohamed Apandi said the amendment was needed because of a significant increase in leaks of government secrets. Anticipating objections, he added that, “those who claim journalistic ethics to protect their sources could be considered as collaborators with potential saboteurs, and that this practice would endanger the country’s security.”“The reprisals against investigative journalists, the increase in censorship in recent months and now the proposed amendment designed to persecute whistleblowers and journalists clearly show that the government has taken the authoritarian road,” said Benjamin Ismaïl, the head of RSF’s Asia-Pacific desk.“The government needs to realize that it is Prime Minister Najib Razak’s policy of censoring and suppressing information, and its political and economic consequences, that are endangering the general interest, and not the corruption revelations.”Corruption, censorship and witchhunt against whistleblowersThe past eight months have been marked by political and financial scandals involving leading members of the private sector and government officials, including the prime minister.In July, the Wall Street Journal revealed details of a judicial investigation into allegations that a development fund called 1Malaysia Development Berhad (1MDB) had channelled money into the prime minister’s personal accounts. Sarawak Report, an English-language news website based in London, was blocked by the Malaysian Communications and Multimedia Commission on 20 July, a few days after it revealed the content of confidential emails obtained from an anonymous source that supported the corruption allegations.A warrant for Sarawak Report editor Clare Rewcastle-Brown’s arrest on a charge of “activity detrimental to democracy” was issued on 4 August, five days after she posted secret documents showing that the attorney general had been fired because he had been preparing to bring corruption charges against the prime minister.Access to Medium.com, a news website that had been reposting Sarawak Report articles and thereby enabling Internet users in Malaysia to circumvent the blocking of the Sarawak Report website, was in turn blocked by certain Malaysian Internet operators on 22 January.Malaysian media outlets that followed these developments have also been targeted. Two publications that had been covering the investigation, The Edge Weekly and its sister, The Edge Financial Daily, were suspended by the interior ministry on 27 July for three months for coverage that was deemed to have been “prejudicial to public and national interest.” Four news blogs – Syedsoutsidethebox, Tabunginsider, Fotopages and Din Turtle – were blocked by the media regulator on 27 January. The authors of these blogs and their content (Tabunginsider’s is a whistleblower, Din Turtle’s is a well-known critic of the prime minister) are very different but they all irritated the government.Malaysia is ranked 147th out of 180 countries in RSF’s 2015 press freedom index. Reporters Without Borders condemns the government’s decision, after a series of corruption scandals, to prioritize the intimidation of journalists and whistleblowers, who just do their duty to inform the public. Malaysian cartoonist Zunar facing possible sedition charge again MalaysiaAsia – Pacific News Receive email alerts Organisation News News New Malaysian ordinance threatens very concept of truth Follow the news on Malaysia to go further February 22, 2021 Find out more RSF_en March 17, 2021 Find out more Help by sharing this information January 29, 2021 Find out morelast_img read more

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Win cinema tickets

first_imgFacebook Predictions on the future of learning discussed at Limerick Lifelong Learning Festival WhatsApp Billy Lee names strong Limerick side to take on Wicklow in crucial Division 3 clash NewsLocal NewsWin cinema ticketsBy Alan Jacques – September 3, 2017 1057 Previous articlePrison life no picnic for MartensNext articleLimerick’s New Hope Theatre is on stage Alan Jacqueshttp://www.limerickpost.ie Email Linkedin Twitter Printcenter_img ODEON Limerick is this week giving away one pair of tickets and two large combo meals for a film of your choice at their cinema at the Castletroy Shopping Centre.To be in with a chance, answer the following question and email your answer to [email protected] by 9am on Monday September 4.Who directed ‘Detroit’?Sign up for the weekly Limerick Post newsletter Sign Up A.  Sofia CoppolaB. Kathryn BigelowC. Patty Jenkins Limerick Ladies National Football League opener to be streamed live Advertisement TAGScinemacompetitionDetroitlimerickOdeon CinemaOdeon Limerick 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 RELATED ARTICLESMORE FROM AUTHOR Limerick’s National Camogie League double header to be streamed live last_img read more

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The Single-Security’s G-Fee Impact

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: Law Firm Accuses CFPB of Unlawful Funding Next: FHFA To Disburse GSE Allocations to Housing Trust Fund The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Share Save About Author: Seth Welborn Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Fannie Mae FHFA Freddie Mac G-Fee UMBS 2020-02-27 Seth Welborn With the advent of the Single-Security Initiative, the single-family guarantee fee has been eliminated for another quarter, according to former CEO of Freddie Mac Don Layton. In post from the Harvard Joint Center for Housing Studies, Layton notes how the elimination of the “G-Fee” discount was a major reason why the Federal Housing Finance Agency (FHFA) directed the two entities to create a new common securitization platform along with a “single security” where the mortgage securities of the two companies would trade almost as one.In June 2019, Fannie Mae and Freddie Mac launched the marked the completion of their Single Security Initiative with the launch of the Uniform Mortgage-Backed Security (UMBS), “the result of close collaboration with FHFA, Freddie Mac, Common Securitization Solutions, and hundreds of housing finance stakeholders and we congratulate all involved on this achievement,” said Renee Schultz, SVP, Capital Markets, Fannie Mae in a statement.After the single-security’s implementation, the discount almost entirely disappeared. In the second full quarter of the new single security—the fourth quarter of 2019—Layton revealed that not only was there was no discount, but there was also a 0.01% premium.While the 0.01% discount and 0.01% premium in wasn’t meaningful, Layton notes, “the historic discount has shown itself to have been eliminated for another quarter.”According to Layton, the  as Freddie Mac no longer has a reduced g-fee revenue stream, savings are produced for taxpayers, and “the combined liquidity of both GSEs should make the interest rate on the mortgage securities they issue a bit lower for both companies, which directly translates into a lower interest rate to homeowners on their mortgages,” said Layton.“Lastly, and perhaps most importantly from a policy perspective, the combined liquidity of both GSEs should make the interest rate on the mortgage securities they issue a bit lower for both companies, which directly translates into a lower interest rate to homeowners on their mortgages.”“Thus, one of the major reforms done while the GSEs have been in their unexpectedly long conservatorship is looking very much like a success,” Layton adds. The Single-Security’s G-Fee Impact Demand Propels Home Prices Upward 2 days agocenter_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago 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. The Best Markets For Residential Property Investors 2 days ago Tagged with: Fannie Mae FHFA Freddie Mac G-Fee UMBS in Daily Dose, Featured, News, Secondary Market February 27, 2020 1,548 Views Home / Daily Dose / The Single-Security’s G-Fee Impact Sign up for DS News Daily  Print This Post Related Articles Data Provider Black Knight to Acquire Top of Mind 2 days ago Subscribelast_img read more

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Economist Predicts Foreclosure Wave Will Crash Down in 2021

first_img Demand Propels Home Prices Upward 2 days ago 2020-11-03 Christina Hughes Babb The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, News November 3, 2020 23,185 Views Home / Daily Dose / Economist Predicts Foreclosure Wave Will Crash Down in 2021  Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Previous: The Industry Pulse: Appointments and Promotions Next: Best of DS5: Advancing Tech and Working From Home Economist Predicts Foreclosure Wave Will Crash Down in 2021  Phil Hall is a former United Nations-based reporter for Fairchild Broadcast News, the author of nine books, the host of the award-winning SoundCloud podcast “The Online Movie Show,” co-host of the award-winning WAPJ-FM talk show “Nutmeg Chatter” and a writer with credits in The New York Times, New York Daily News, Hartford Courant, Wired, The Hill’s Congress Blog and Profit Confidential. His real estate finance writing has been published in the ABA Banking Journal, Secondary Marketing Executive, Servicing Management, MortgageOrb, Progress in Lending, National Mortgage Professional, Mortgage Professional America, Canadian Mortgage Professional, Mortgage Professional News, Mortgage Broker News and HousingWire. The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles Subscribe A leading economist is warning that this year’s booming housing market will soon give way to a rising tide of foreclosures that will submerge many homeowners in the coming year. In an opinion piece published on Bloomberg, Michael R. Strain, the John G. Searle Scholar and the director of economic policy studies at the American Enterprise Institute (AEI) observed that while existing homes increased by 9.4% in September to 6.6 million units on an annual basis – the highest level in more than 14 years – and the median existing-home price was 14.8% higher in September versus one year earlier, this demand has been fueled by limited supply and historically low mortgage rates.  “The housing sector is relatively sensitive to interest rates, and mortgage costs — already low before the pandemic began — are at rock bottom, driven to current lows by the Federal Reserve’s rate cuts and asset purchases,” Strain wrote. “As of Oct. 22, the average 30-year fixed-rate mortgage was 2.8%, down from 3.75% a year before. Fifteen-year fixed-rate mortgages have been below 2.75% since the beginning of May.”  The COVID-19 pandemic also complicated the picture. With greater housing, people became eager for more living space. However, the supply of new houses has dwindled – Strain noted AEI Housing Center estimated there was only slightly more than two months’ worth of housing inventory in September.  The problem, Strain forecasted, was a so-called “K-shaped” recovery that will benefit wealthier Americans but leave lower-income households behind. “Weak labor markets are typically a headwind for the housing sector,” he continued. “But job losses have been concentrated among low-wage workers who are less likely to purchase houses. The unemployment rate for college graduates is 4.8%, considerably lower than the overall rate of 7.9%.”  As a result, he continued, a “wave of foreclosures is likely coming that will hit low-income homeowners. As of August, over 10% of the eight million single-family mortgages backed by the Federal Housing Administration were delinquent by more than three months. According to the FHA, the reason for 86% of those delinquencies was ‘a national emergency,’ a category that includes the pandemic. These delinquencies are heavily concentrated among loans associated with low credit scores.” While federal forbearance policies put a temporary freeze on foreclosures—only 352 foreclosures were started in August, compared with 10,438 in February—Strain commented that policy would not remain in place next year. “An important explanation for why there are so few foreclosures amid so many delinquencies can be found in the CARE Act, the economic recovery law passed in March,” he stated. “It included forbearance provisions that allowed borrowers with government-backed mortgages to postpone (or reduce) payments for up to 12 months if they suffered COVID-related financial hardship. When these forbearance provisions expire in 2021, expect a wave of foreclosures to follow.”   Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Phil Hall  Print This Post Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days agolast_img read more

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Woman thought she would be raped and murdered during parochial house robbery

first_imgNews Woman thought she would be raped and murdered during parochial house robbery Facebook Pinterest Man arrested on suspicion of drugs and criminal property offences in Derry Main Evening News, Sport and Obituaries Tuesday May 25th Pinterest Previous articleMystery surrounds nightime noise in DerryNext articleRenewed appeal for information on second anniversary of Keiran Doherty murder News Highland Twitter Google+ Gardai continue to investigate Kilmacrennan fire A woman attacked in St Aengus parochial house in Burt feared she was going to be raped and murdered by three armed robbers, according to the local priest.The robbery happened on Ash Wednesday evening after Burt Parish Priest Fr Gerry Sweeney had left at 645pm to celebrate Mass in a nearby church.Three men broke through the priests back door before demanding the whereabouts and the combination of the safe from the woman who was inside.The woman, who is her 50s, had arrived earlier in the day to help tidy up after construction repair work.Fr Sweeney says it was a terrible ordeal for her…[podcast]http://www.highlandradio.com/wp-content/uploads/2012/02/frsw1pm.mp3[/podcast]center_img By News Highland – February 24, 2012 WhatsApp Facebook RELATED ARTICLESMORE FROM AUTHOR WhatsApp Further drop in people receiving PUP in Donegal Google+ 365 additional cases of Covid-19 in Republic 75 positive cases of Covid confirmed in North Twitterlast_img read more

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