Our 6 ‘Best Buys Now’ Shares Rupert Hargreaves owns no share mentioned. Teresa Kersten, an employee of LinkedIn, a Microsoft subsidiary, is a member of The Motley Fool’s board of directors. The Motley Fool UK owns shares of and has recommended Microsoft and Visa. The Motley Fool UK has recommended GlaxoSmithKline, RELX, and Sage Group. 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. 3 funds to buy for a Stocks and Shares ISA Enter Your Email Address Are you on the lookout for UK growth stocks?If so, get this FREE no-strings report now.While it’s available: you’ll discover what we think is a top growth stock for the decade ahead.And the performance of this company really is stunning.In 2019, it returned £150million to shareholders through buybacks and dividends.We believe its financial position is about as solid as anything we’ve seen.Since 2016, annual revenues increased 31%In March 2020, one of its senior directors LOADED UP on 25,000 shares – a position worth £90,259Operating cash flow is up 47%. (Even its operating margins are rising every year!)Quite simply, we believe it’s a fantastic Foolish growth pick.What’s more, it deserves your attention today.So please don’t wait another moment. FREE REPORT: Why this £5 stock could be set to surge The Stocks and Shares ISA deadline is fast approaching. With that in mind, here are three funds to buy for the tax-efficient wrapper right now. I would buy all of these funds for my own ISA. Funds to buy One of the best growth funds on the market right now is the Blue Whale Growth fund, in my opinion. I would buy this fund for my Stocks and Shares ISA today to gain exposure to some of the world’s fastest-growing businesses. 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…At the time of writing, 8% of the fund is invested in Microsoft, 8% is invested in software group Adobe and 6% in payments processer Visa. Around 70% is invested in the US, with the remainder around the world. The one big risk of investing in growth stocks is volatility. Growth stocks can be incredibly volatile, so this fund might not be for all investors. In recent weeks, rising interest rates have caused growth stocks to fall in value. This trend could continue. The fund also only yields 0.08%. This could make it unappealing to income investors. Still, I think this is one of the best funds to buy now, considering its exposure to international growth investments. Stocks and Shares ISAThe tax benefits of a Stocks and Shares ISA make them the perfect wrappers for holding income investments. I think the TB Evenlode Income fund is one of the best funds to buy for income. The fund has a dividend yield of 3% at present. It holds some of the market’s best income stocks, such as Relx, Sage and GlaxoSmithKline. Around 84% of Evenlode’s assets are invested in UK stocks. The rest is invested in the US and Europe. I think this provides a good level of diversification for income investors. The most considerable risk facing this fund is the possibility of dividend cuts. Last year, many income stocks slashed their distributions to investors to preserve cash in the pandemic. As a result, income funds had to cut their dividends to investors. This is a threat that’s always going to be overhanging Evenlode. It’s the big challenge all income investors face. Despite these challenges, I would buy the fund for my Stocks and Shares ISA today. Local index Both of the funds above have lots of overseas exposure. For exposure to UK stocks, I would buy a simple FTSE 250 tracker fund.These passive funds are only designed to track the performance of the underlying index. As a result, there’s no chance of them outperforming. That’s the biggest risk of this investment. If the index struggles, the fund will struggle as well. The manager is also unable to avoid certain investments. That means the fund may own investments that do not conform to certain standards, such as weapons and oil & gas. As a straightforward way to invest in the UK, I think this is an excellent Stocks and Shares ISA pick without paying over the odds for an expensive manager. As most active fund managers underperform the index over the long run anyway, I’m not worried about missing out on profits. 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. Image source: Getty Images Rupert Hargreaves | Saturday, 27th March, 2021 Get the full details on this £5 stock now – while your report is free. Simply click below to discover how you can take advantage of this. 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. See all posts by Rupert Hargreaves
Photographs ArchDaily CopyHouses•Guatemala “COPY” “COPY” House BF / Paz ArquitecturaSave this projectSaveHouse BF / Paz Arquitectura Year: 2019 Design Team:Axel Mendoza, Daniel Escobar, Awner AlarcónCountry:GuatemalaMore SpecsLess SpecsSave this picture!© Andrés AsturiasRecommended ProductsUrban ShadingPunto DesignPavilion – CUBEPorcelain StonewareCosentinoSurfaces – Dekton® Chromica CollectionWoodBruagBalcony BalustradesDoorsRabel Aluminium SystemsMinimal Sliding Door – Rabel 62 Slim Super ThermalText description provided by the architects. BF House is located on a peculiar piece of land, being completely flat in a mountainous sector of the city. This situation taken in consideration, the owners wanted a one story house taking advantage of the garden in a most efficient way. It was decided to build a basement garage in order to save garden area. The house has an “L” shape in order to frame the garden, which is bordered by a considerable mountainous space in the back.Save this picture!© Andrés AsturiasSave this picture!PlanSave this picture!© Andrés AsturiasThe main concept of the design is to have functional and visual transparency. The spaces in the social areas work in an open setup and are interconnected clearly and at other points subtly. The bedrooms are located linearly in the long stetch of the “L”, closing at the end with the main bedroom. Save this picture!© Andrés AsturiasSave this picture!SectionsSave this picture!© Andrés AsturiasThe only space located on a second floor is a family room which is not used constantly, so it was chosen to be left out of the daily dinamic. It was conceived that the vertical surfaces (walls) in the social areas were transparent, or, if for privacy they needed to be opaque, the upper and lower edges were in glass to keep the continuity betweeen the indoor and outdoor garden areas, and also between the indoor and outdoor spaces.Save this picture!© Andrés AsturiasProject gallerySee allShow lessMori Hosseini Student Union at Embry-Riddle Aeronautical University / ikon.5 architectsSelected ProjectsCuboesia & Steel Garden / João Diniz Arquitetura + Bel Diniz ArquiteturaSelected Projects Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/933538/house-bf-paz-arquitectura Clipboard Alejandro Paz Manufacturers: AutoDesk, Chaos Group, Hansgrohe, Parklex International S.L., Aluver, Duravit, Nemetschek, Adobe, Ferco, Trimble Save this picture!© Andrés Asturias+ 20Curated by Clara Ott Share CopyAbout this officePaz ArquitecturaOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesOn FacebookGuatemalaPublished on February 20, 2020Cite: “House BF / Paz Arquitectura” [Casa BF / Paz Arquitectura] 20 Feb 2020. ArchDaily. Accessed 10 Jun 2021.
Related documents egypte_lettre_rwb.pdfPDF – 178.82 KB News EgyptMiddle East – North Africa News A Facebook page has been created to support Basiouny. February 6, 2021 Find out more EgyptMiddle East – North Africa Reporters Without Borders, the Arabic Network for Human Rights Information (ANHRI) and the Association for Freedom of Thought and Expression (AFTE) sent a joint letter to Egyptian President Hosni Mubarak on 24 December asking him to intercede in the case of Ahmed Hassan Basiouny, a young man who was sentenced to six months in prison by a military court on 29 November just for encouraging his fellow Egyptian Internet users to enlist in the Egyptian armed forces.The letter urged President Mubarak “to do everything in your power to get this conviction overturned, to get all the charges against him withdrawn, and to obtain his release as soon as possible.”Basiouny was convicted of disseminating defence secrets online and disclosing information about the armed forces because he created a Facebook page entitled “Enlisting and recruitment in Egypt and answers to the questions of young applicants,” in which he offered advice and information for young people who were thinking of enlisting. (More information)The joint letter pointed out that “there was nothing confidential about the information as it was already available online, including on the new Egyptian armed forces website.” It added: “Mr. Basiouny did not engage in activity that was in any way subversive or harmful to the armed forces. On the contrary, he promoted the armed forces to Egyptian Internet users.”Read the letter – PDF attachment News Help by sharing this information Less press freedom than ever in Egypt, 10 years after revolution News December 28, 2010 – Updated on January 20, 2016 Letter urges President Mubarak to intercede in jailed Internet user’s case February 1, 2021 Find out more Al Jazeera journalist Mahmoud Hussein back home after four years in prison to go further Follow the news on Egypt Organisation Receive email alerts Detained woman journalist pressured by interrogator, harassed by prison staff RSF_en January 22, 2021 Find out more
Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago About Author: Seth Welborn in Daily Dose, Featured, Government, Market Studies, News Sign up for DS News Daily FHFA Director Mark Calabria Provides Update on Conservatorship The Week Ahead: Nearing the Forbearance Exit 2 days ago On Wednesday, the American Enterprise Institute kicked off the Eighth Annual AEI-CRN Housing Conference, a two day event featuring eight panels of experts from AEI’s Housing Center and one panel of experts from the Collateral Risk Network, and a lunch keynote today from Federal Housing Finance Agency (FHFA) Director Mark Calabria.Panels at the Housing Conference focused on the expansion of housing supply, historical mortgage risk, land prices, and the appraisal process. The conference kicked off with a panel on housing market indicators, presented by Tobias Peter, Senior Research Analyst, AEI Housing Center, and featured discussion with Svenja Gudell, Chief Economist, Zillow and Sam Khater, Vice President and Chief Economist, Freddie Mac. The panel was Industry Consultant Mark Goldhaber.Speaking about the panelists, Gladhaber noted that they’ve “developed data that is really usable in a very practical way as we think about how to deal with the very evident supply shortage.”In his keynote, Calabria gave an overview of the state of GSE conservatorship.“I’m happy to say that in my time at the FHFA, we have doubled the capital of Fannie and Freddie,” Calabria told attendees. “I can’t promise that we can keep that pace up, but we are headed in the right direction.”Speaking about conservatorship, Calbria stated that he “never thought [he] would see a conservatorship longer than six months.”“I have a responsibility to fix them and get them out,” he added.The GSE’s took an important step toward privatization when the U.S. Department of the Treasury (Treasury) and the Federal Housing Finance Agency (FHFA) recently announced that they had agreed to modifications to the Preferred Stock Purchase Agreements (PSPAs), permitting Fannie Mae and Freddie Mac to retain additional earnings in excess of the $3 billion capital reserves currently permitted by their PSPAs.These modifications are an important step toward implementing Treasury’s recommended reforms that will define a limited role for the Federal Government in the housing finance system and protect taxpayers against future bailouts,” said U.S. Treasury Secretary Steven T. Mnuchin.View the AEI-CRN Housing Conference schedule and live feed here. Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Conservatorship Fannie Mae Freddie Mac The Best Markets For Residential Property Investors 2 days ago Share Save October 16, 2019 2,607 Views Related Articles Home / Daily Dose / FHFA Director Mark Calabria Provides Update on Conservatorship 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 Servicers Navigate the Post-Pandemic World 2 days ago Print This Post Conservatorship Fannie Mae Freddie Mac 2019-10-16 Seth Welborn Previous: Housing Market Volatility and Overvaluation Next: The Intersection of Mortgage and Fintech Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribe
News Donegal Senator Brian O’Domhnaill has accused the government of ‘Tory style’ sabre rattling after the Taoiseach said he is declaring war on Social Welfare fraud.Senator O’Domhnaill says this is typical of what he calls the spin over substance approach of this Government, with plenty of talk, but no new policy initiatives and no new vision of welfare provision.He says ranting about ‘getting tough’ on people entitled to welfare is a very poor substitute for proper policy focus and real reform where it is needed……….[podcast]http://www.highlandradio.com/wp-content/uploads/2013/10/briansocwelfreform.mp3[/podcast] Facebook WhatsApp Twitter Google+ RELATED ARTICLESMORE FROM AUTHOR Previous articleJason Quigley guaranteed a bronze with another win at the Elite World ChampionshipsNext articleChief Fire Officer says Halloween bonfires put a serious strain on his service News Highland Pinterest Facebook By News Highland – October 23, 2013 75 positive cases of Covid confirmed in North Pinterest Google+ 365 additional cases of Covid-19 in Republic Gardai continue to investigate Kilmacrennan fire Man arrested on suspicion of drugs and criminal property offences in Derry WhatsApp Main Evening News, Sport and Obituaries Tuesday May 25th Further drop in people receiving PUP in Donegal O’Domhnaill accuses Taoiseach of “Tory style sabre rattling” on Social Welfare Twitter
Samples of ovigerous female Ceratoserolis trilobitoides carrying newly spawned (stage A1) eggs in the marsupium were obtained from Borge Bay, Signy Island (South Orkney Islands), the continental shelf near Elephant Island (South Shetland Islands), and two sites in the inner Weddell Sea. The dry mass of a newly spawned egg was greater at the inner Weddell Sea sites even when the larger size of the females from the Weddell Sea and the positive relationship between egg size and female size were taken into account. Larger eggs contained more yolk, and there was a slight but significant tendency for larger eggs to have a lower percentage nitrogen content. Eggs from Ceratoserolis meridionalis were smaller in size than sympatric Ceratoserolis trilobitoides, but of similar composition. The reason for a greater investment per egg by females at higher latitudes is not clear, but it may be related to a slightly longer development period, itself associated with the lower water temperatures in the inner Weddell Sea. Data presented here were collected during the European Polarstern Study (EPOS) sponsored by the European Science Foundation
FacebookTwitterLinkedInEmail33ft/iStockBy HALEY YAMADA, ABC News(NEW YORK) — Hunter Reynolds, a senior at the University of Michigan who plays defensive back for the storied college football team, fought for his chance to play in the fall season.“Just because we want to play safely doesn’t mean we don’t want to play at all,” Reynolds told the ABC News podcast “Start Here.” But on Tuesday, the country’s largest college football conference Big Ten announced that it would officially postpone its 2020 to 2021 fall sports season, including all regular-season contests, championships and tournaments, due to safety concerns related to COVID-19.“Our primary responsibility is to make the best possible decisions in the interest of our students, faculty and staff,” said Morton Schapiro, chair of the Big Ten Council of Presidents/Chancellors and president at Northwestern University.“The mental and physical health and welfare of our student-athletes has been at the center of every decision we have made regarding the ability to proceed forward,” said Big Ten Commissioner Kevin Warren. “As time progressed and after hours of discussion with our Big Ten Task Force for Emerging Infectious Diseases and the Big Ten Sports Medicine Committee, it became abundantly clear that there was too much uncertainty regarding potential medical risks to allow our student-athletes to compete this fall.”Reynolds was one of the college football players who joined a last-ditch Zoom call on Sunday night to organize player representatives from across the country to try to save their college football season.Reynolds said that he’d heard other conferences would “follow suit” if the Big Ten canceled. Shortly after Big Ten announced its postponement of sports activities, the Pac-12 conference announced it would also postpone sports activities until at least the beginning of 2021.“[The Zoom call] was just, kind of, let’s make it 100% known to these schools that, as athletes, we want to be out there this fall, suited up,” said Reynolds, in an interview conducted before the Big Ten’s announcement.Reynolds is part of the #WeWantToPlay movement, one of several other player unity movements calling for the football season to go forward. Although he said there was a popular perception that the groups were at odds, they actually had the same goal: to get on the field, without abandoning responsibilities to player health.“At the end of the day, most student athletes in those groups are student athletes who want to play football this fall. Like we know, that’s our goal. That’s what we’re fighting for,” said Reynolds. “We feel that there are ways for schools to handle this in a manner that makes it as safe as possible for the players.”Those with the #WeWantToPlay movement were among a group of players that called out the NCAA for not having standard COVID-19 safety protocols. Reynolds said the NCAA has the power to implement protocols, rather than leaving it up to the individual conferences.“We felt like the NCAA regulates so much in our day-to-day lives as athletes, that for them to kind of throw their hands back and say, ‘It is a conference issue,’ was something we kind of found slightly hypocritical,” said Reynolds, who claimed that some schools were not requiring players to get tested while others were even discouraging it.The NCAA, which has published return-to-sports guidelines, announced earlier this month that players who opted out of the 2020 season would be able to retain their full scholarships.Reynolds explained that college football eligibility is finite and that fifth-year players depend on the season for the future of their careers in the sport. With regard to returning to school, Reynolds said that some teammates who have worked their entire lives to play the sport are in “rough situations” at home and suggested the schools provide safety.“I always know where my next meal is going to come from. Never have to worry about the lights being turned on or helping out my parents with bills. But there are a lot of people that are not in that situation… They’ve worked so hard for their entire life,” said Reynolds.“It’s just kind of this situation where there’s a lot of double standards going on that we feel is an injustice in and of itself. And [playing this season is] just one aspect of the things we’re trying to fight,” he added, referring to an NCAA rule that college athletes don’t own and can’t profit off their own name, image and likeness.When Reynolds spoke to ABC News, there was no word yet on an official announcement, but various reports had speculated that the University of Michigan had already voted to cancel its 2020 football season.“One of my old football coaches, used to say, ‘Life is 10% what happens, and 90% how you respond to it,’” Reynolds said. “So, whatever may happen, it’s just about responding to it.”Several Division I colleges and athletic conferences have canceled fall sports even before the Big Ten decided to postpone their fall season.The Big Ten’s most recent announcement to postpone its season goes against President Donald Trump largely advocating for college football in the fall, falsely claiming that COVID-19 “just attacks old people” and that young, healthy college athletes are “not going to have a problem,” ABC News reported on Tuesday.Despite the show of support, Reynolds fired back at the president on Twitter, writing “if you actually took this virus seriously months ago, we wouldn’t even be in this situation.”As data shows more younger people getting infected by COVID-19, health experts are warning against the myth that young people can’t get seriously ill from the virus, which has killed more than 574,000 people around the world, reported ABC News.“Everyone who is young in that age group has the same idea of ‘I’m young, I’m not gonna get it, [and] if I do get it, it’s not gonna be that bad,’” said Dr. Michael Seemuller, a doctor at AnMed Health in South Carolina and the chair of Quality and Safety for its physician network. “And then they get it and they end up in the hospital.”As for Reynolds, before the Big Ten announcement, he said he was trying to take things day-by-day.“If I had practice on [the schedule] tomorrow, then, you know, I’ll be out there for practice,” he said. Copyright © 2020, ABC Audio. All rights reserved. August 12, 2020 /Sports News – National Michigan college football player on last-ditch attempt to save fall season Written by Beau Lund
Apex House, WembleyNew world prefabs could solve our housing crisis, say the experts – and we’re not talking about the future – we’re ahead of the game in the UK.Europe’s tallest modular (formerly known as prefabs) tower is now complete – and it’s in north London. The 29-storey structure is a student accommodation scheme developed by Tide Construction and Vision Modular Systems with 679 modules that will be ready for students to move into in September. The development will also include communal facilities, such as a cinema and a courtyard.The total build time was just 12 months, with the modules stacked up in just 13 weeks to the height of 90 metres. Designed by architects HTA Design LLP, the building has a BREAAM rating of Excellent.Apex House will be the fourth modular scheme that Tide Construction and Vision Modular Systems have completed in Wembley. Christy Hayes, CEO at Tide Construction, said, “We are delighted that both the Housing Minister Gavin Barwell and London Mayor Sadiq Khan have made off-site construction a priority in the capital to help ease the strain on London’s housing supply. Modular construction provides a much faster alternative to traditional construction without compromising on the quality of the building, or the versatility of the design. Modular produces 80 per cent less waste, requires fewer onsite workers and provides certainty of cost and time. Each module is manufactured at Vision’s factory in Bedford where the furniture, windows, electrical wiring and plumbing are all installed before the modules are transported 60 miles to the site in Wembley.Government pledge for 100,000 modular homesThe government has pledged that 100,000 of the 1 million homes built by the end of parliament (this could be revised on 8th June…) will be delivered by modular methods and it pledged a further £285 million for accelerated construction techniques through the National Productivity Investment Fund.First Time Buyers also go for modularVision has also handed over two finished blocks in Lambeth to Pocket Living, an affordable housing provider that only sells to first-time buyers. The properties were constructed inside a factory in Bedford using production-line techniques more reminiscent of a car factory than a construction site. This allows for better quality control, faster delivery, reduces wastage and allowing for high levels of energy efficiency.Apex House, Wembley under constructionKieran White, Managing Director at Vision Modular Systems, said, “We’ve been in this industry for more than a decade, and our building technology has allowed us to be at the heart of driving forward new forms of housing. Partnering with Pocket Living on multiple projects has allowed us to deliver vital new housing for first time buyers and key workers who underpin the very fabric of our cities.”Located on the China Walk Estate, just a few minutes walk from Lambeth North and Westminster tube stations, each apartment has been built according to Pocket’s award-winning design specification. All of Pocket Living’s buildings are community focused, with shared spaces, such as roof terraces, where residents can meet and relax. At Juxon Street, residents will also have access to a walled courtyard with benches and trees.Marc Vlessing, Chief Executive of Pocket Living, said, “Getting high-quality homes built quickly is key to solving the housing crisis. Modular techniques will play an increasingly important role in meeting this challenge and, through our partnership with Donban and Vision Modular, over a quarter of Pocket’s future pipeline will be built through modular construction.“For modular to really take off as a viable construction method, the Government and lenders should look at making it easier for SMEs to access the working capital needed to take advantage of its benefits.” www.visionmodular.comkieran white marc vlessing pocket living modular homes north london modular tower apex house christy hayes tide construction and vision modular systems vision modular systems April 20, 2017Sheila ManchesterWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Home » News » Housing Market » New world prefabs could solve our housing crisis previous nextHousing MarketNew world prefabs could solve our housing crisisTimes and processes change, it’s time for quick-build new homes.Sheila Manchester20th April 201702,653 Views