Third element: Chris Cusiter passes for Borders Reivers in 2006, a year before they were disbanded (Inpho) Only very recently have the SRU been able to fund two teams to a level where both are challenging for knockout rugby in the Guinness Pro14 and Europe.There are many reasons why a third team would benefit Scotland, but there’s a single big one to explain why it hasn’t happened. The combined playing budgets of Edinburgh and Glasgow account for north of £12m per year and, with myriad other costs, the SRU simply don’t have the resources to start up and then maintain a new outfit to a degree where it wouldn’t become another Border Reivers.Not cheap: Edinburgh and Glasgow cost a lot to run, so could the SRU stretch to another team? (Inpho)Before the plug was pulled in 2007, the Netherdale side’s struggles showed how hard it is to create something meaningful, even in a region with such rich rugby heritage. The SRU’s poor marketing and limited commercial clout didn’t help.While modern Murrayfield scores higher on those counts, investors haven’t been clamouring to build them a new team, new venue or both.Things could change with CVC’s cash, but for now the player pathway focus is on the ‘part-time professional’ Super6. Face-off: Should Scotland have a third professional team?ROB ROBERTSONRugby Correspondent for the Scottish Daily MailThe pathway to the top for young amateur players in Scotland is far too narrow with just two pro teams. Too many have to leave the country for the lower leagues in France or England to find a higher standard. Sadly, some stop playing in their teens due to lack of opportunities.Geographically, it’s a disgrace that Scotland’s only two teams are based in Glasgow and Edinburgh – cities just 47 miles apart. There is huge interest in other parts of Scotland, such as Aberdeen and Dundee. Either one needs to be the base for a third club.Scot abroad: Gloucester lock Alex Craig is one young talent playing outside the country (Getty Images)The Scottish Rugby Union (SRU) claim to not have the money for a third professional team and as a halfway house have set up a semi-pro league, the Super6. Three clubs are in Edinburgh and one each in the Borders, Ayr and Stirling. Vast areas are overlooked. Aberdeen and Dundee miss out again.The creation of a third professional team to give young players all over Scotland – especially those outwith the central belt – a better chance of making the grade in their own country first and foremost is long overdue.MARK PALMERScottish Rugby Correspondent for The Sunday Times Scottish rugby has operated with just two pro teams for more than a decade, a situation some argue is hampering player development. This debate ran in our March 2020 issue LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS What do you think? Email your views to [email protected] debate first appeared in the March 2020 issue of Rugby World.
You have entered an incorrect email address! Please enter your email address here Share on Facebook Tweet on Twitter Please enter your comment! Gov. DeSantis says new moment-of-silence law in public schools protects religious freedom Please enter your name here UF/IFAS in Apopka will temporarily house District staff; saves almost $400,000 Previous articleVal Demings First to Qualify in Congressional District 10 RaceNext articleTask Force Schedules Community Listening Session Dale Fenwick RELATED ARTICLESMORE FROM AUTHOR Florida gas prices jump 12 cents; most expensive since 2014 LEAVE A REPLY Cancel reply The Foliage Garden Club of Apopka recognizes Joe Hamilton, homeowner in the Sweetwater Park Village Place subdivision, as recipient of the club’s Yard of the Month for May.The presentation was made by Charlotte White and Eleanor Jones, committee members, Jo Oliver, committee chair and Pat Raub, club president.(l-r) Charlotte White and Eleanor Jones, committee members; Joe Hamilton, homeowner; Jo Oliver, committee chair and Pat Raub, club president.*****The Foliage Garden Club of Apopka serves the community with beautification projects for areas of the city, scholarships, and member’s education classes, Yard of the Month recognition and the Wekiva Youth Camp. The goals of the club are to promote conservation of wildflowers, trees, and wildlife; cooperate with other service clubs in community activities, especially those related to the beautification of the city; observe Arbor Day with tree plantings; Continue contributions to Garden Club related projects such as the Wekiva Youth Camp, Nature Conservancy, and others; further, instruct our members in horticulture, floral design, and conservation. Save my name, email, and website in this browser for the next time I comment.
ArchDaily CopyHouses, Extension•Caulfield, Australia Architects: Megowan Architectural Area Area of this architecture project Australia 2015 Projects “COPY” Photographs: Nils KoenningSave this picture!© Nils KoenningText description provided by the architects. In this renovation to an Art Deco home in the leafy Melbourne suburb of Caulfield, the interiors of the existing house were reordered to create a new central spine which culminates by framing a view of an existing and prolific cumquat tree at the rear of the property. Save this picture!Courtesy of Christopher MegowanKey to the success of this design was the creation of two outdoor rooms which straddle the living and dining spaces of the home. To the east, a decked “room” has been designed to not only allow northern light into the rear extension but also transform into an outdoor cinema through the clever integration of a double-sided projector screen in the window opening of the internal home theatre. To the west, a second and larger outdoor “room” connects to the living spaces via a large bifold door and double sided indoor/outdoor fireplace.Save this picture!Floor PlanA substantial polished concrete island bench anchors the kitchen to the living areas, serving as a transition point between the two outdoor spaces. The play on room interfaces is continued between the kitchen and rear butler’s pantry with a retractable glass splashback providing an efficient means of screening the service area.Save this picture!Courtesy of Christopher MegowanThe heaviness of the island bench is balanced by raised ceilings and continuous clerestory windows to the north, east and west which allow ample northern light deep into the living spaces throughout the day. Additional features include large pocketing sliders throughout the house which allow the dwelling to be zoned for both flexibility of use and heating and cooling. Save this picture!Courtesy of Christopher MegowanThe Art Deco influence of the original home is referenced in the “toothed” brick driveway and paving, with orange-hued timber accents drawing a connection to the original terracotta and brick accents both inside and out. Save this picture!Courtesy of Christopher MegowanThe colour of the cost effective, yet striking sheet metal cladding at the rear is referenced in the guttering and spouting of the original home at the front. These palette references allow for a dialogue to exist between old and new and ultimately allow the renovations to stitch into the original structure in a contemporary yet complementary way.Project gallerySee allShow lessHIGO / nA Nakayama ArchitectsSelected ProjectsShortlist Announced for the Wienerberger Brick Award 2016Misc Share “COPY” Houses Year: Area: 240 m² Year Completion year of this architecture project CopyAbout this officeMegowan ArchitecturalOfficeFollowProductsWoodSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentExtensionCaulfieldAustraliaPublished on December 11, 2015Cite: “Cumquat Tree House / Megowan Architectural” 10 Dec 2015. ArchDaily. Accessed 11 Jun 2021.
13 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 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. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Funding to Support Refugee Integration in the UK The final deadline for applications to both funds is Thursday 5 May 2005. As part of the launch of the Refugee Integration Strategy, the Home Office has announced that it is seeking applications for projects to be supported through the Challenge Fund and Purposeful Activities Fund in 2005/06.The Challenge Fund provides financing for projects that address specific social needs among refugee communities around the UK.The Purposeful Activities Fund has established provisions to enable asylum seekers awaiting decisions on their applications for refugee status to contribute to the community by volunteering and to improve relationships with the local host communities in which they are living. Advertisement Howard Lake | 15 March 2005 | News
News June 15, 2009 – Updated on January 20, 2016 Call for release of lawyer who defended bloggers and free expression activists Three more independent reporters arrested in Vietnam RSF laureates support jailed Vietnamese journalist Pham Doan Trang Help by sharing this information Reporters Without Borders today called on Vietnam to immediately release the lawyer Le Cong Dinh, author of many pro-democracy articles and a known human rights activist, who was arrested two days ago.The 41-year-old lawyer, who has defended several bloggers and free expression activists, is facing a long prison sentence for his articles and commentaries in the Vietnamese press and online.He was arrested on 13 June 2009 for allegedly “plotting to overthrow the government”, according to Vietnamese journalists who spoke to Reporters Without Borders. Le has no political affiliation but writes regularly about human rights.The police told the press that he would be charged under Article 88 of the criminal law that punishes the distribution of news and information hostile to the state. The lawyer is charged with using the trials of some of his clients to damage the state and to have “colluded with foreign-based and internal reactionaries to sabotage the Vietnamese state”.Deputy director general of the public security department, Vu Hai Trieu, said he had collected “a lot documents and evidence showing attempts to overthrow the Vietnamese state”.Several sources said his arrest could be linked to a complaint laid by several Vietnamese lawyers against the head of government Nguyen Tan Dung about the granting of a bauxite mine concession to a Chinese company, a case which has caused an outcry in Vietnam.“In a state which applies the rule of law, a lawyer defending his clients has the right to make facts public before a court and in the press. We fear that this arrest is aimed at punishing a respected man who promotes the cause of the rule of law in Vietnam”, the worldwide press freedom organisation said.“After intimidating journalists working for the liberal press and the Catholics, the government is now attacking lawyers, the final bulwark in the defence of freedoms,” it said.Le Cong Dinh has defended lawyers and bloggers Nguyen Van Dai and Le Thi Cong Nhan, and the renowned blogger Dieu Cay.Sign the petition to go further Organisation Vietnam sentences journalist Tran Thi Tuyet Dieu to eight years in prison RSF_en April 27, 2021 Find out more News April 7, 2021 Find out more VietnamAsia – Pacific News Follow the news on Vietnam Receive email alerts VietnamAsia – Pacific April 22, 2021 Find out more News
Home / Daily Dose / Agency First-Time Buyer Mortgage Risk Continues Upward Move Agency First-Time Buyer Mortgage Risk Continues Upward Move Previous: Single-Family Built-for-Rent Market is on the Rise Next: Are Legacy HELOC Borrowers at Significant Risk of Default? The risk on Agency first-time buyer mortgages is rising while the disparity in risk between Agency first-time buyers and repeat buyers is growing wider, according to the AEI International Center on Housing Risk’s First-Time Buyer Mortgage Risk Index (FBMRI) for January 2016 released Monday.The Agency FBMRI provides an estimate of the share of Agency first-time buyer mortgages that would default if the economy were to suffer adverse conditions similar to those during the 2007 and 2008 financial crisis. In January 2016, the FBMRI increased over-the-year by 0.7 percentage points up to 15.7 percent and is 6 percentage points higher than the Agency risk index for repeat buyers. The gap between the two continues to grow wider, according to AEI.More than half (54 percent) of first-time buyer loans in January were high risk, meaning they had an MRI higher than 12 percent. That share jumped by 2 percentage points over-the-year, up from 52 percent in January 2015.Risk layering is largely responsible for the higher risk for first-time buyer mortgages, according to AEI. In January, 70 percent of first-time buyer mortgages had a combined LTV ratio of 95 percent or higher and 97 percent of the mortgages had a 30-year term. The combination of a low down payment and slow amortization assures that these first-time buyers will have little equity for many years, barring substantial home price appreciation.“The gap between first-time buyer and repeat buyer mortgage risk levels now stands at 5.92 percentage points compared to 4.91 and 4.64 percentage points in December 2014 and 2013 respectively,” said Edward Pinto, codirector of the AEI International Center on Housing Risk. “In a seller’s market, risk layering artificially pushes up prices, particularly for entry-level buyers; the result is a wealth transfer from buyers to sellers of these homes.”Another contributor to riskier first-time buyer mortgages is the fact that one-fifth of first-time buyers had a credit score lower than 660, which is the traditional definition of subprime mortgages. Also, one-fourth of first-time buyers had total DTI ratios higher than 43 percent, which is the limit set by the Qualified Mortgage rule.Mortgages taken out by repeat buyers were less risky because a much smaller share of repeat buyers had a CLTV higher than 95 percent, and a smaller share of repeat buyers had a FICO score lower than 660.The Agency First-Time Buyer Share Index (FBMSI), which measures the percentage of primary owner-occupied home purchase mortgages with a government guarantee, increased by only 0.1 percentage points over the year in January, from 56.0 percent to 56.1 percent. AEI attributes this largely to delayed closings brought on by the TRID rule, which went into effect on October 3, 2015.“On a year-over-year basis, the first-time buyer share increased only modestly in January, with the rise likely suppressed by the implementation of TRID,” Pinto said. “Once this impact abates we expect the housing market, particularly at the entry-level, to exhibit strong demand, in combination with shortness of supply, which will continue to drive home prices up faster than incomes and inflation.” 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. Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save The Best Markets For Residential Property Investors 2 days ago Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Brian Honea Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago February 22, 2016 1,300 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago Tagged with: AEI International Center on Housing RIsk Agency first-time buyer loans Mortgage Risk Print This Post Servicers Navigate the Post-Pandemic World 2 days ago AEI International Center on Housing RIsk Agency first-time buyer loans Mortgage Risk 2016-02-22 Brian Honea in Daily Dose, Featured, Government, News Sign up for DS News Daily Subscribe
iStock(CHICAGO) — Chicago police reclassified a 9-year-old shooting case as a homicide Monday after a man succumbed to his gunshot wounds last week.Marco Rainge, 41, was shot multiple times in the West Humboldt Park neighborhood back on Oct. 12, 2010, according to the Cook County Medical examiner’s office. Although he was in critical condition following the incident, he survived shots to the arm, chest and hip, according to the police.Rainge was allegedly uncooperative with officers and no arrests were made, a police spokesman said in a statement. Rainge died on Jan. 14 from those injuries, according to the Medical Examiner’s Office, which conducted an autopsy Sunday.Chicago police said they were now investigating the incident as a homicide instead of an aggravated battery case. As of Monday afternoon, they had made no arrests or named any suspects. Copyright © 2020, ABC Audio. All rights reserved.
HR consulting and outsourcing firm Capgemini is to axe 450 jobs following after HM Revenue & Custom’s (HMRCs) decision to reduce the scale of an IT contract with the firm.The company, which provides a range of services to the public and private sectors, said its ‘Aspire’ IT services contract was being scaled back as a result of government efficiency savings.Offices in Newcastle and Basingstoke are to close with the loss of 139 jobs. Chief executive David Boulter said details regarding redundancies at other Aspire sites were in the process of being finalised.The Aspire deal was one of the world’s largest IT outsourcing deals when it was awarded in 2004 and constituted one of the largest contracts in IT outsourcing history.“Capgemini is working with outplacement service providers to support all staff affected by the closure and help them to explore other employment opportunities,” Boulter said.Last month the French-owned company announced a 13% increase in revenue last year to euros 870m (£656m). Previous Article Next Article Related posts:No related photos. Comments are closed. Capgemini cuts 450 jobs as Revenue & Customs shrinks IT contractBy Mike Berry on 4 Mar 2008 in Personnel Today
Back to overview,Home naval-today Greece: Coast Guard Interspects Canadian Flotilla Ship View post tag: Canadian View post tag: Guard View post tag: coast Greek authorities have intercepted a Canadian ship taking part in an aid flotilla bound for Gaza on Monday, forcing the vessel to return to…(aljazeera)[mappress]Source: aljazeera, July 5, 2011; View post tag: Navy View post tag: Flotilla View post tag: Greece View post tag: ship View post tag: Interspects Share this article View post tag: Naval July 5, 2011 Greece: Coast Guard Interspects Canadian Flotilla Ship View post tag: News by topic