Bank’s Weale: Tax hikes to come

first_img whatsapp Bank’s Weale: Tax hikes to come Share KCS-content Rising government spending on pensions and healthcare will require a large shift in UK fiscal policies, according to a study co-authored by Bank of England policymaker Martin Weale. Taxes and spending will need to adjust by around 6.5 per cent of GDP to ensure different age groups are treated fairly, the report said. Tuesday 15 March 2011 8:22 pm whatsapp Read This NextRicky Schroder Calls Foo Fighters’ Dave Grohl ‘Ignorant Punk’ forThe WrapCNN’s Brian Stelter Draws Criticism for Asking Jen Psaki: ‘What Does theThe WrapDid Donald Trump Wear His Pants Backwards? Kriss Kross Memes Have AlreadyThe WrapPink Floyd’s Roger Waters Denies Zuckerberg’s Request to Use Song in Ad:The WrapHarvey Weinstein to Be Extradited to California to Face Sexual AssaultThe Wrap2 HFPA Members Resign Citing a Culture of ‘Corruption and Verbal Abuse’The Wrap’The View’: Meghan McCain Calls VP Kamala Harris a ‘Moron’ for BorderThe Wrap’Black Widow’ First Reactions: ‘This Is Like the MCU’s Bond Movie’The Wrap’Small Axe’: Behind the Music Everyone Grooved On in Steve McQueen’sThe Wrap Show Comments ▼ Tags: NULLlast_img read more

FTSE 100 dividend stock Carnival has crumbled 30%! Here’s what I’d do now

first_img Image source: Getty Images Rupert Hargreaves | Friday, 6th March, 2020 | More on: CCL 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. “This Stock Could Be Like Buying Amazon in 1997” FTSE 100 dividend stock Carnival has crumbled 30%! Here’s what I’d do now Simply click below to discover how you can take advantage of this. Shares in cruise giant Carnival (LSE: CCL) have crumbled over the past few weeks. It’s easy to see why investors have been running for the hills. The coronavirus outbreak has impacted a range of companies in a variety of different industries, but none more so than Carnival.Virus outbreakThe Carnival group owns Princess Cruises, which is the owner/operator of the Diamond Princess, the cruise ship that became a coronavirus breeding ground. Of the 2,600 guests on board, just under a third contracted the virus.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…And it now looks as if another Princess Cruises vessel could be struck down. The Grand Princess, which was on a 15-day voyage, has had to cut its trip short after a man on board died from the virus.These developments are bad news, not just for Carnival, but for the broader cruise industry in general. What’s more, at this stage, it’s impossible to tell if any more of the company’s customers will fall ill with the virus and what the financial cost will be to the business. It seems as if management is just as in the dark as its investors.In a short trading update published at the beginning of February, the company declared a fall in bookings and cancelled voyages as a result of coronavirus would have a “material impact” on its financial results. The update went on to say that “since the situation continues to evolve, the company is currently unable to determine the full financial impact on its fiscal year 2020.“Management is planning to give investors a further update at the end of March.Undervalued?Considering all of the above, it’s no surprise investors have been selling shares in the cruise giant over the past few weeks.However, for long term investors, this could be a great opportunity. While there’s no doubt the current development will have an impact on Carnival’s earnings this year, it’s unlikely to have a significant influence on the group’s growth over the next five to 10 years. The cruise industry still only makes up a small percentage of the total global tourist market. And the sector is growing rapidly. Carnival is one of the most prominent players in the sector, and that gives it a tremendous advantage. The company’s robust balance sheet, combined with its reputation, should help the group pull through the current situation. Smaller peers might not be so lucky, with their weaker balance sheets likely to suffer more than the giants of the industry.Experienced teamThe last time Carnival saw such a hostile environment was in the financial crisis. Not only did the group pull through, but it came out stronger the other side. The company’s current CEO and chairman were also with the business during this time, suggesting they have the experience to help the group pull through this time around.Therefore, after recent declines, the stock could be an attractive investment for long-term income seekers at current levels. The cruise operator’s dividend yield stands at 7.5%, and the distribution is covered twice by earnings per share. That could be too good to pass up in the current low-interest-rate environment. Rupert Hargreaves owns shares in Carnival. The Motley Fool UK has recommended Carnival. 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.center_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. Enter Your Email Address 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! See all posts by Rupert Hargreaveslast_img read more

The Tullow Oil share price is rising: should I buy now?

first_img “This Stock Could Be Like Buying Amazon in 1997” Royston Roche | Friday, 4th June, 2021 | More on: TLW The Tullow Oil share price is rising: should I buy now? 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! 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. Tullow Oil (LSE: TLW) is an oil explorer and producer operating in Africa and South America. The Tullow Oil share price rose about 140% in the past year. The stock traded with a low price of 13.42p and a high of 65.82p during this period. I have missed this stock market rally. Is it too late for me to invest in this penny stock?The bull case for the Tullow Oil share priceTullow Oil’s recent results are good, taking into consideration the disruptions caused by Covid-19. The company’s revenue fell by 17% year on year to $1.4bn. Sales volume increased by 0.8% to 74,600 barrels of oil equivalent per day (boepd). This was offset by a 23% decline in average realised oil prices to $50.9 per barrel (bbl) of oil.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…Oil prices have been on a steady rise this year. They have remained above $50/bbl and currently are trading at around $72/bbl. The strong demand and supply restraints of oil have led to an upward trend. This is positive for Tullow Oil’s share price. The company reported free cash flow of $432m. An asset sale in Uganda helped to raise cash and reduce debt. The company also plans to sell assets this year, which should help the company focus on productive assets with good cash flows.Particularly, management is confident in its Ghanaian oil fields. It has only produced about 393m barrels, of the estimated 2.8bn barrels in Ghana. Recently, it also started its multi-year and multi-well drilling in this region. This was an important milestone for the company, which should help realise its 10-year business plan.A high debt a concern?The company has reduced its net debt from $2.8bn to $2.4bn at the end of December 2020. Even though the reduction is positive, the debt is still very high. The company’s market capitalisation is about $1.3bn at the time of writing. Its equity at the end of December 2020 was negative $210m. Credit rating agencies also have downgraded their ratings in the past year. This would make it difficult for the company to raise debt and also increase its interest costs.Tullow Oil’s chair, Dorothy Thompson, recently decided to step down. This is a bit of concern unless the company finds a good replacement, since Thompson was instrumental in cost savings, asset sales, and efficiently handling the company. The long-term outlook is not very encouraging for the energy sector. Most countries are looking for a reduction of oil consumption and looking for clean energy alternatives. So, in my opinion, oil prices might be under pressure, which is negative for Tullow Oil’s share price.ConclusionTaking all things into consideration. I like the company’s focus on cash flows and trying to achieve its 10-year business plan. However, the debt is a bit of worry for me. So, I would keep the stock on my watchlist, and I am not a buyer of the stock today.center_img Our 6 ‘Best Buys Now’ Shares 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 Royston Roche Enter Your Email Address Simply click below to discover how you can take advantage of this. Royston Roche 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.last_img read more

The best news of the week

first_img Please enter your comment! Gov. DeSantis says new moment-of-silence law in public schools protects religious freedom 6 “good news” stories this week in The Apopka Voice:Here are six articles published this week in The Apopka Voice that will enlighten, inspire and engage you. Enjoy.15 facts about Memorial DayWant to support veterans? 4 tips for finding good charitiesErnest C. Swift to be inducted into the Apopka Sports Hall of FameBlue Darters and Mustangs win big in spring jamboreesHello summer break!The forgotten history of Memorial Day TAGSGood News Previous articleThe forgotten history of Memorial DayNext articleA Memorial Day grilling feast Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your name here LEAVE A REPLY Cancel reply Save my name, email, and website in this browser for the next time I comment. UF/IFAS in Apopka will temporarily house District staff; saves almost $400,000 Florida gas prices jump 12 cents; most expensive since 2014 Share on Facebook Tweet on Twitter You have entered an incorrect email address! Please enter your email address herelast_img read more

Pelo House / mA-style architects

first_img Houses Photographs ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/248548/pelo-house-ma-style-architects Clipboard Japan CopyHouses•Makinohara, Japan 2010 Pelo House / mA-style architects “COPY” Year:  “COPY” Photographs:  Kai NakamuraText description provided by the architects. Pelo is Japanese onomatopoeic word, it expresses the sounds that we peel one’s off.Save this picture!© Kai NakamuraRecommended ProductsEnclosures / Double Skin FacadesRodecaRound Facade at Omnisport Arena ApeldoornLouvers / ShuttersTechnowoodSunshade SystemsLouvers / ShuttersBruagShading Screens – Perforated Facade PanelsLouvers / ShuttersLunawoodThermowood BattensThe wall that is peeled off creates new space and new aperture.Save this picture!© Kai NakamuraThe roof that is peeled off creates spatial extent to the sky.Save this picture!© Kai NakamuraThe wall that is peeled off turns to the eaves and wraps aperture.Save this picture!© Kai NakamuraThe yard that is peeled off turns to the floor and creates flat extent.Save this picture!PlanThe only action Pelo, that peel one’s off, creates new space and engineers these special quality well.Save this picture!PlanPelo assumes the various functions and elements, and also would peel new page about what house should be off. Project gallerySee allShow lessGrandola Library Proposal / ER StudioArticlesNew Community Center / MoederscheimMoonen ArchitectsArticles Share Pelo House / mA-style architectsSave this projectSavePelo House / mA-style architects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/248548/pelo-house-ma-style-architects Clipboard Area:  82 m² Year Completion year of this architecture project ArchDaily Projects Architects: mA-style architects Area Area of this architecture project CopyAbout this officemA-style architectsOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesMakinoharaHousesJapanPublished on July 08, 2012Cite: “Pelo House / mA-style architects” 08 Jul 2012. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogShowershansgroheShower MixersVinyl Walls3MVinyl Finish – DI-NOC™ Abrasion ResistantPartitionsSkyfoldIntegrating Operable Walls in a SpaceLightsVibiaLamps – NorthCultural / PatrimonialIsland Exterior FabricatorsSeptember 11th Memorial Museum Envelope SystemSkylightsVELUX CommercialAtrium Longlight, DZNE GermanyHanging LampsLouis PoulsenLamp – PH ArtichokeTiles / Mosaic / GresiteHisbalitMosaic Tiles – TexturasAcousticMetawellAluminum Panels – Acoustic SailsMineral / Organic PaintsKEIMTiO2-free Mineral Paint – Soldalit®-ArteWall / Ceiling LightsA-LightWall Grazer Concealed LightsDoorsBuster and PunchDoor Hardware – Pull BarMore products »Read commentsSave想阅读文章的中文版本吗?Pelo House / mA-style architects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 stream Save this picture!© Kai Nakamura+ 15 Sharelast_img read more

BW House / FeA

first_img Houses Photographs:  Nguyen Thai Thach Manufacturers Brands with products used in this architecture project Manufacturers: Dulux, Panasonic, Toto, Acor, Inax ceramic, Milan ceramic, Xingfa AluminiumTeam:Vu Nam Son, Vu Quynh GiaoMechanical Contractor:XuongcokhioxCity:Cầu GiấyCountry:VietnamMore SpecsLess SpecsSave this picture!© Nguyen Thai ThachText description provided by the architects. The 4 story house is for a family of 4, including parents and 2 grown-up sons. At the moment, those 2 sons are studying abroad and visit home occasionally, the house, therefore, is designed based on requires of the middle-aged couple, who asked for large and airy common spaces without separated walls, to easily keep an eye on each other.Save this picture!© Nguyen Thai ThachSave this picture!Ground Floor PlanSave this picture!© Nguyen Thai ThachThe renovation has been done on an L-shape, 3-story building. We agreed with the investor to remain the old structure in order to shorten construction time and reduce the cost. The house is located at a T-junction and its facade heads west without any sun cover. At this hottest spot, we decided to put the bathroom in the master bedroom and roof it with a small garden.Save this picture!© Nguyen Thai ThachThe garden rooftop is playing a role of a green block to reduce the heat, cool down spaces around. Garden and floor of the house are made 600mm higher than the ground to keep it clean and providing a good vision to the surrounding busy streets and park. Garden is merged and in harmony with the building, gives the sense of space but still privacy.Save this picture!© Nguyen Thai ThachProject gallerySee allShow lessNishinomiya・House D / Yuichi Yoshida & AssociatesSelected ProjectsHanyang Guiyuan Temple Sales Center / Waterfrom DesignSelected Projects Share Vietnam Save this picture!© Nguyen Thai Thach+ 20Curated by María Francisca González Share BW House / FeASave this projectSaveBW House / FeA Year:  ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/902179/bw-house-fea Clipboard 2017 CopyHouses, Renovation•Cầu Giấy, Vietnam Architects: FeA Area Area of this architecture projectcenter_img Photographs Projects “COPY” ArchDaily BW House / FeA Area:  160 m² Year Completion year of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/902179/bw-house-fea Clipboard “COPY” CopyAbout this officeFeAOfficeFollowProductsWoodSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentRenovationCầu GiấyVietnamPublished on September 22, 2018Cite: “BW House / FeA” 21 Sep 2018. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogLouvers / ShuttersTechnowoodSunshade SystemsGlassMitrexSolar GreenhouseMetal PanelsAurubisPatinated Copper: Nordic Green/Blue/Turquoise/SpecialCoffee tablesFlexformCoffee Table – GipsyCurtain WallsIsland Exterior FabricatorsPace Gallery Envelope SystemWoodSculptformTimber Battens in Double Bay HouseStonesCosentinoSilestone and Dekton in Villa OmniaBricksNelissenInner Wall Bricks – LückingPanels / Prefabricated AssembliesULMA Architectural SolutionsAir Facade PanelsWoodBlumer LehmannData Processing for Wood ProjectsEducational ApplicationsFastmount®Hidden Panel Fastener at Massey UniversitySealants / ProtectorsTOPCRETMicro-Coating – Baxab®More 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

Utah teachers challenge state’s reopening plans

first_imgBy Alyssa Faith and Summer AutumnSchool districts across Utah are planning to open with in-person classes for the start of the new school year, despite the state having twice the number of confirmed cases of coronavirus as they did when schools closed in March. Governor Gary Hubert requested school districts open for in-person learning, while leaving planning and procedures up to individual school districts. School boards have been making minimal changes without input from teachers, school employees and parents. Teachers demonstrate outside school board meeting, Aug. 4. WW photo: Summer AutumnThe Granite Education Association, representing teachers in Utah’s largest school district, held a rally outside the district offices during a school board meeting on Aug. 4. The rally was attended by approximately 600 workers. They demanded the school board listen to workers and do more to keep employees and children safe.  They also expressed concern over the district’s plan to offer both in-person and virtual learning, with no plan to hire more teachers — effectively doubling teachers’ workload without compensation or support. Workers who have expressed concern about returning during the pandemic, either due to being high-risk or having high-risk loved ones at home, have been offered no alternatives other than to resign, retire or take Family and Medical Leave Act unpaid time off. Members of the union are debating striking if an education plan that does not involve face-to-face in-person education is not implemented. It would be the first Utah educators’ strike in three decades.   Utah is an anti-union “right-to-work” (for less) state. Many workers are hesitant or unsure about how to speak out, in fear of losing their jobs. Utah has the lowest rate of educational funding per child in the country. The lack of funding has led employees to doubt the district’s ability to provide proper personal protective equipment and cleaning materials. Teachers have expressed concerns and doubts about the practicality of expecting younger students to maintain social distancing in schools and classrooms not spacious enough to accommodate social distancing with large class sizes. Opening schools to force parents back to workRecent comments from Dr. Anthony Fauci, director of the National Institute of Allergy and Infectious Diseases, labeled the reopening of schools as an “experiment” to see how the virus would spread among children and workers in a school setting. This suggests the powers in charge are not opening schools due to a belief that it is safe to do so, but rather to use the schools as a means of child care in order to send parents back to work. It is an abuse of the working class for the ruling class to force parents to risk their children’s lives in order to return to work for the capitalists. The affluent classes will have other options for safer child care or alternative incomes, while the majority of workers will have no choice but to send their children into unsafe schools in order to maintain income and housing — placing entire communities at risk of illness or death. When school districts in Chicago announced a return to in-person schooling, the teacher’s union there held a meeting and announced an intent to strike, and the government announced the next day that schooling would take place entirely online. A strong union has the power to protect its workers’ rights and, in times such as now, perhaps the safety and lives of entire communities. Teachers are fighting for the safety of the children in their communities. Act in solidarity with teachers and workers!FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

PCC Women’s Swim Achieves Best Finish at State Meet

first_img Community News Name (required)  Mail (required) (not be published)  Website  Ariahn Givens (top) makes her dive into the pool during an event Saturday at the CCCAA Championships at East Los Angeles College, image by Richard Quinton.From 2013 through the just completed 2015 season, the Pasadena City College women’s swim team has turned itself into one of the state’s top programs.The Lancers achieved PCC’s best finish at the CCCAA Championships with a fifth place at the ’15 state meet held April 30-May 2 at East Los Angeles College.It was the Lancers third consecutive top 10 finish after a sixth place in 2014 and an eighth place standing in ’13.PCC’s season included winning its first South Coast Conference dual season title in 12 years at an undefeated 8-0 and a second place finish at the SCC Finals. The Lancers have five SCC Swimmers of the Year between ’13-15, two by sophomore Connie Peng who shared a tri-title this year with freshman teammate Ariahn Givens (and Mt. San Antonio’s Kayleigh Davidson).At the state meet, the Lancers garnered a program-high of 11 top 8 medals and scored 243 points. On Saturday’s final day, Peng picked up her third individual medal of the meet by taking seventh place in the 200-yard backstroke, a new event to the women’s competition this year. Peng swam 2:12.66.Givens had a big swim in the 100 freestyle, placing fifth with a time of 54.01 seconds.In the last event the 400 freestyle relay, the Lancers stayed strong and placed fifth in a 3:40.65 mark behind the legs of Peng, sophomores Tiffany Wong and Courtney Fukushima, and the anchor Givens. The first-year phenom finished with a 53.89 split.Wong placed second in the consolation final of the 200 butterfly (2:16.45, 10th overall) and freshman Liza Echeverria, who earned two medals in her other two swims, was third in the 200 breaststroke in 2:32.11 (11th overall). Both swims were also debut events for the state meet.“We’ve been fortunate to have swimmers that understood how each individual’s performance was aiding us from a team aspect,” said PCC head coach Terry Stoddard. “The camaraderie of the swimmers helped us. We didn’t have the wow swims, the school record breakers of the 2013 and ’14 teams, but what we did have was consistency and depth in scoring points. We showed we belong in that upper echelon in the state.”While SCC champion El Camino got the best of the Lancers two weeks at the conference finals, the Warriors placed ninth at the state meet with 160 points, well behind the Lancers. The South Coast’s strength, however, was seen with three in the top 12 as East Los Angeles finished 12th (134 points). No other SoCal conference had as many teams finish in that top 12. Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. More Cool Stuff Make a comment Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Subscribe Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy First Heatwave Expected Next Week Top of the News center_img Herbeauty10 Questions To Start Conversation Way Better Than ‘How U Doing?’HerbeautyHerbeautyHerbeauty6 Lies You Should Stop Telling Yourself Right NowHerbeautyHerbeautyHerbeautyThis Is What Happens To Your Face After DermaplaningHerbeautyHerbeautyHerbeautyKate Beckinsale Was Shamed For Being “Too Old” To Wear A BikiniHerbeautyHerbeautyHerbeautyTop Important Things You Never Knew About MicrobladingHerbeautyHerbeautyHerbeauty10 Of The Most Notorious Female Spies In HistoryHerbeautyHerbeauty Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Community News Sports PCC Women’s Swim Achieves Best Finish at State Meet By Robert Lewis, Sports Information Published on Monday, May 4, 2015 | 11:10 am Business News EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Your email address will not be published. Required fields are marked * 5 recommended0 commentsShareShareTweetSharePin it faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyCitizen Service CenterPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimeslast_img read more

LevelUp3 Youth Leadership Conference July 18th – July 19th

first_img Community News Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Over 120 students from Pasadena, Altadena, and the surrounding area spent two days learning new skills and making new friends at LevelUP3. The conference gave local youth a chance to learn about the amazing diversity of leadership and networking opportunities available and connected them with organizations that offer hands on volunteer, community service, and leadership activities. This year’s conference workshops included Cybersecurity, Relationships, Work Skills, Bite of Reality, Compassion Plays, and Healing Through Art.College Access Plan alum and Stanford student Michael Ocon kicked off the conference with a powerful discussion about reaching your goals and following your dreams. Later that day Pasadena Police Chief John Perez shared his story about becoming a police officer and inspired students to think about the decisions they make and how they will impact the goals they have.LevelUP3 found a new home this year at Pacific Oaks College, which provided an opportunity for students to explore the campus and learn about their amazing programs. On both days students connected with colleges and local organizations while enjoying their lunch on Pacific Oak’s beautiful campus. Refreshments were provided by the Chapala Bakery, Stonefire Grill, Tournament of Roses, Councilmember John Kennedy, the Pasadena Police Department, Pacific Oaks College, College Access Plan, and DayOne.The LevelUP Youth Leadership Conference is organized by the Pasadena Youth Leadership Network, a collaboration of local civic and non-profit agencies:• Adelante Youth Alliance• Collaborate PASadena• College Access Plan• Day One• Pasadena City College• Pasadena Public Library• Pasadena Youth MOVE• PUSD College & Career Academies• Pasadena Service Federal Credit Union• Teen Advisory Board• Tournament of Roses• Youth Council• Youth AmbassadorsFor more information, visit www.collaboratepasadena.org/levelup. Top of the News Herbeauty7 Things A Man Will Do Only If He Really Loves YouHerbeautyHerbeautyHerbeautyWhy Luxury Fashion Brands Are So ExpensiveHerbeautyHerbeautyHerbeauty12 Female Fashion Trends That Guys Can’t StandHerbeautyHerbeautyHerbeautyA Mental Health Chatbot Which Helps People With DepressionHerbeautyHerbeautyHerbeautyYou Can’t Go Past Our Healthy Quick RecipesHerbeautyHerbeautyHerbeauty5 Things To Avoid If You Want To Have Whiter TeethHerbeautyHerbeauty EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Name (required)  Mail (required) (not be published)  Website  Community News LevelUp3 Youth Leadership Conference July 18th – July 19th Learn, Grow, Lead STAFF REPORT Published on Friday, July 26, 2019 | 11:23 am Your email address will not be published. Required fields are marked * More Cool Stuffcenter_img faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes 3 recommendedShareShareTweetSharePin it Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy First Heatwave Expected Next Week Business News Community News Make a comment Subscribe Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadenalast_img read more

Mortgage Servicing Trends and Challenges

first_img Jacquelyn S. Pardue manages and oversees vendor management, leases, and compliance for Gateway First Bank. Pardue has more than a decade’s experience in the mortgage and lending industry, including serving as the COO at AgileOne Solutions. She has held various leadership roles at Pacific Union Financial, Rushmore Loan Management Services, and Wingspan Portfolio Advisors. Pardue holds a bachelor’s degree from Texas Tech University and is currently pursuing an MBA from Syracuse University. She recently spoke to DS News about the state of the industry and the challenges facing servicers.What are some of the challenges that servicers have faced so far in 2019?The biggest challenge servicers are currently facing that there is a desire to innovate and bring in new technology, but there are also difficulties that come along with that. How do we implement new tech into our legacy systems, and how can we ensure that everything is going to work and do what it’s supposed to do?Is it harder to make technological innovations happen on the default side?There is less cash flow on the servicing side, so the margins are much tighter and more restrictive. You also have levels of more historical systems in place, as well as a lot of homegrown aspects. How do you bring together all these parts and pieces that people have built on top of each other over the course of so many years? How do you implement something new that’s going to work successfully with all those elements?From a servicer’s perspective, what lessons have you taken away from previous natural disasters?In my previous life, I functioned through many of the hurricanes and dealt with many related challenges, even within Puerto Rico. One of the biggest things that servicers can do to innovate is to be proactive. How can we get in touch with our borrowers when we know that there’s a possibility of a disaster, and to let them know how to get in contact with us? Servicers also need to find ways to contact borrowers that isn’t going through the mail or email, because often these people might not be in their homes in the aftermath of one of those events—they might have been forced to leave their house. They may not have access to their mail, or there may be difficulties in getting it to them, depending upon the situation. You must have the ability to ensure that the contact information is being updated for borrowers in these situations.You also need to ensure that you have the right vendor partners in place. If you know you’re going to have an increased load of calls, you must have additional capacity to input those calls within an outsourced model or a call center. Or you need enough flexibility internally that you can implement weather technology that can help you pinpoint more targeted campaigns, depending upon who was affected, and how.The biggest lesson is that everyone needs to make small adjustments based upon their lessons learned in the past. That’s one of the great things about Five Star’s Legal League or Disaster Summits, where everyone is sharing their knowledge and experiences. If it affects one servicer, at the end of the day it will likely wind up affecting other servicers. Those communal conversations can help us all get on the same page.What are some of the challenges of interacting with third-party vendors?The biggest challenge with third-party vendors is the interpretation of communication. Oftentimes, we’re not communicating face-to-face anymore, we’re not communicating in person. Everything is being done through email and other systems, and things can get lost in translation.Also, many of the people in our industry have a tendency to move around throughout their careers. When people move, there’s a risk that internal knowledge and lessons have not been communicated throughout the organization.There is often also a potential for a disconnect between what a contract says and what our expectations are. Sometimes, those things don’t coincide. That typically comes down to gaps in communication, even with all the technology aspects that are designed to improve that. We’re all based in different places, but how do we ensure that all those items are clear, and everybody remains on the same page through management changes and internal changes?One lesson we’ve taken away when it comes to interacting with our attorney partners, for example, is ensuring that they have a clear playbook of what our expectations are, and that it’s outlined not from a management or a legal perspective, but from an operational and tactical perspective. We’re working hard to be clear with our vendors and our partners about what we expect from them and how we want it to flow.What other trends or changes do you predict will define the back half of 2019?It’s always going to come down to technology and innovation. Everybody is going to say that. However, there’s also a lot happening on the front end of the industry that will inevitably affect the back end. Players like Amazon and Zillow are entering our industry, so what impact will that have on everything? We’ll have to wait and see.You mentioned appreciating the communication facilitated by events such as the Legal League Summits. Could you speak more about why you think these events are important?It’s a wonderful opportunity for us as servicers to have a level of facetime with our vendors and attorneys. We’re emailing and interacting with these people constantly, but many times we’ve never really had the chance to introduce ourselves in person or shake each other’s hands. Being able to put a face to a name, being able to have those in-person conversations, can be extremely valuable.It’s also a chance for all of us to share insights about what’s working for us, as well as what hasn’t worked. Those conversations are critical, and it provides an opportunity for level-setting and being able to take new insights and lessons back to our organizations. 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