CA Sales Holdings Limited ( HY2018 Interim Report

first_imgCA Sales Holdings Limited ( listed on the Botswana Stock Exchange under the Industrial holding sector has released it’s 2018 interim results for the half year.For more information about CA Sales Holdings Limited ( reports, abridged reports, interim earnings results and earnings presentations, visit the CA Sales Holdings Limited ( company page on AfricanFinancials.Document: CA Sales Holdings Limited (  2018 interim results for the half year.Company ProfileCA Sales Holdings Limited, listed on the Botswana Stock Exchange, of businesses that operate in Southern Africa. It operates within the FMCG industry and delivers services to blue chip manufacturers, both locally and internationally. Its service offering includes selling, merchandising, warehousing, distribution, debtors administration, marketing & promotions, point of sale warehousing and training. The group has offices and facilities in all the main centres throughout Botswana, Swaziland, Namibia, South Africa, Lesotho, Zimbabwe, Zambia and Mozambique.last_img read more

Wales v New Zealand: Talking points

first_imgIt was another case of deja vu for Wales as they held their own for 70 minutes before being overcome by a Black tidal wave. Here we analyse another enthralling Test LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS TAGS: Highlight There are some players who rarely gain the headlines for their performances not because they don’t deserve them, but because they have become expected. Alun-Wyn Jones is one of those players. You know that he is going to deliver over and above the expected performance level even before he gets off the team bus.Ever-present: Alun Wyn Jones is a continual driving presence behind WalesAnd so it was against the All Blacks. Together with the increasingly impressive Jake Ball they managed to largely neutralise the impressive Sam Whitelock and, World Rugby’s Player of the Year, Brodie Retallick – few lock forwards have been able to do that this season. If Sam Warburton is the first name on Warren Gatland’s team sheet, I’d imagine that the ink hasn’t even dried on the ‘n’ in Warburton before he pens the ‘A’ in Alun-Wyn.Set piece fragilityWhilst Wales couldn’t control the bounce of Beauden Barrett’s chip which arguably changed the game in the 69th minute, there were elements of the loss that were entirely controllable, namely the set piece. You simply can’t expect to beat the best team in the world with a 67.4% lineout completion. The lineout is the easiest way to gain and hold territory as well as statistically being the phase from which most tries are scored. The blame will, as it always does, unfairly rest on the shoulders of the Welsh hookers – but it shouldn’t necessarily.The lineout is the responsibility of all of the forwards – the lifting pod, decoy pod and the hooker. It wasn’t merely an issue of inaccurate throwing, the All Blacks repeatedly challenged the Welsh throw – and predicted the correct jumper with alarming regularity. One area of Wales’ set piece fragility which was easier to isolate was at the scrum. Wayne Barnes clearly had an issue with Paul James’ hinging and it cost Wales a series of early penalties. Full credit should be given to James who immediately altered his body position and avoided what looked like a certain yellow card.McCaw. 100 as captain.For all of the positives that can be found in Wales’ failure against the All Blacks there was one player on the field who doesn’t really know the meaning of the ‘F’ word. Richie McCaw doesn’t do failure and has never had the need to derive any positives from anything other than being arguably the finest player that rugby has ever seen. Saturday saw him captain the All Blacks for the 100th time.Thanks for the memories: Richie McCaw captained the All Blacks for the 100th timeTo play for the All Blacks is an achievement. To play for them 100 times is ridiculous. To captain them 100 times is insane. After the victory over Wales, McCaw’s record now reads played 100, 88 wins, ten losses and two draws. And whilst the 33 year-old Richie is a yard slower, and his ‘jackal’ isn’t quite as robust as it once was, he is still more than a handful for test players that are ten years his junior. Against Wales he was his team’s joint highest tackler and made more carries than anyone in the pack. Doubt we’ll ever see his like again.Visit for all the latest Rugby World subscription deals, or find out how to download the digital edition of the magazine at Clinical: Kieran Read capitalises on a Welsh chargedown Nearly. Nearly. Nearly.There will surely come a point where all health and life insurance policies sold in Wales will require an additional response being added to the suitability questionnaire.Do you smoke? Y/NDo you drink? Y/NDo you watch Wales playing Southern Hemisphere nations ? Y/NThe All Blacks snatched the lead from Wales in the 69th minute and eventually won the game by 16-34. The score suggests that the All Blacks were twice as good as Wales, but that would be a grossly inaccurate representation of a fixture in which Wales were the equals of the world champions for large chunks of the game. It seems almost defeatist and apologetic to suggest that Wales played well in defeat, but barring issues at the set piece, they did. Wales’ defence was good – particularly the efforts of Jamie Roberts, Richard Hibbard, Alun-Wyn Jones and Dan Lydiate. Hibbard executed some terrifying hits – at one point it looked as though Sonny Bill Williams would have to be taken from the field in two pieces.Dan Biggar and Rhys Webb had the defining performances of their test careers and overall the Welsh backrow had parity with their opposite numbers. But (there’s often a ‘but’ when Wales play New Zealand) second half possession of 46% and 40% territory meant that Wales were forced into defending in their own half. Endless, tiring defensive sets, and an unfortunate bounce of the ball, broke Wales – they conceded 19 points in the final 13 minutes. All of which meant that the longest, most humbling record in international rugby continues – Wales haven’t beaten the All Blacks in 26 attempts and counting…The new Welsh halfbacksDespite the loss, the performance of Dan Biggar and Rhys Webb was an enormous positive. The speed and accuracy of Webb’s delivery from the ‘base’ had a huge impact on Wales’ ruck speed and allowed the Welsh backline to gain an extra yard on New Zealand’s defensive line. It’s no coincidence that Jamie Roberts’ return to form for Wales has coincided with quick ruck ball and less ‘crabbing’ across the field from the scrum-half position. Webb’s ability to snipe through the first and second ruck guards also prevented the All Blacks’ backrow from drifting too wide, too soon – his try and interplay with Taulupe Faletau being a fine example.Defining moment: Rhys Webb had a superlative game for WalesEqually noteworthy was the performance of Dan Biggar. The once ‘Marmite’ figure of Welsh rugby has become ‘Nutella’. Biggar’s tactical kicking, distribution and work under the high ball was exemplary, not to mention his defence – he completed more tackles than anyone in the squad. His critics may point to a missed tackle on Julian Savea, but he’s not the first, nor the last to miss Savea. There are a few positions still up for grabs in Gatland’s team to face the Springboks – though I suspect that nine and ten aren’t.Alun Wyn Jones. Mr Consistent.last_img read more

Six Nations Team of Round Four

first_img TAGS: Highlight 1. Cyril Baille (France)A rampaging performance from the Toulouse prop. He’s a frightening presence in the tight channels, is one of this new breed of jackling props and has hands softer than a princess’s pillow. The French scrum struggled after he left. 2. Ken Owens (Wales)Julien Marchand was excellent for France, busting up the middle with impunity. LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS However, a word here for Owens, whose finish for the second try of his double was as equally surprising as it was impressive. He also contributed to a perfect lineout performance. 3. Tadhg Furlong (Ireland) Tadhg Furlong, are you human or are you dancer? A thunderous performance in the loose, garlanded with some more, ahem, delicate touches.Came out at least the equal of dangerous scrummager Rory Sutherland. Jacob Whitehead selects his ‘dream team’ from the latest set of championship matches George North had another very good game against inauspicious defending.12. Owen Farrell (England)His name should be prefaced with ‘much-maligned’, but the England captain will have quietened some detractors with his best performance for more than a year.Showed off an under-appreciated carrying game, somehow outshone Vakatawa on the offload front and kicked metronomically. 11. Louis Rees-Zammit (Wales)A beautiful interception to cap off the Welsh win and unselfishly passed to Taulupe Faletau in the first half when he could have scored himself.Shane Williams called him a Lions starter in commentary and, in this form, it is far from unlikely.Related: Why Louis Rees-Zammit is getting faster 10. Matthieu Jalibert (France)The best performance at Twickenham by a visiting fly-half since Bernard Foley tore England apart in the 2015 Rugby World Cup.He was twinkle-toed, a mercurial passer and his kicking made up for a rare off-day for Antoine Dupont with the boot. Startling to think that a player as talented as Romain Ntamack will struggle to get his starting jersey back.France fly-half Matthieu Jalibert breaks against England (AFP/Getty Images) 9. Ben Youngs (England) England actually managed to shackle Antoine Dupont remarkably well, despite the scrum-half’s early try.Youngs kept the French fringe defence fixed with the sniping threat he provides when at his best, while his box-kicking made Jonny May and Anthony Watson look excellent in the chase. Deserves credit not only for his turnovers but also his lineout work, while the crucial try was a cherry on the cake. 7. Tom Curry (England)Curry or Hamish Watson? It’s interesting to think that both players entered international rugby as defensive spoilers but have now evolved into one of their team’s most crucial carriers.Curry gets selected, primarily because he was forced to keep up with the lung-busting, free-flowing pace of Le Crunch. Possibly saved the game for England with his turnover just before the break. 8. Grégory Alldritt (France)Did not deserve to be on the losing side. The man with a permanent black eye won a crucial turnover and made 14 brutal carries.Still only 23 in a position where players often do not peak until their late twenties.center_img 13. Gaël Fickou (France)Nominally played at inside-centre on Saturday, but swaps positions so often with Virimi Vakatawa that I’m shifting him out to 13.His pivot pass to Antoine Dupont set up the try of the tournament so far, and massively busy in defence – 13 tackles for a back! Six Nations Team of Round FourEverything is looking rosy for Wales after the fourth week of the Six Nations. Losses for Scotland and France have put them eight points clear at the top of the table, with only the French able to catch them.Related: Six Nations tableIt was a weekend which featured the best match of the championship so far, a fixture that both teams attempted to lose and a game with more one-way traffic than Cardiff city centre.The Lions picture is getting murkier as the tournament continues, with the amount of back-row talent coming to the fore remarkable. But which of them made this round’s dream team?Six Nations Team of Round Four15. Max Malins (England)Certainly couldn’t be accused of getting the Ollie Lawrence treatment and not seeing the ball!Made some mistakes, but absolutely fearless to keep bouncing back and running the ball from deep. His tactical aggression was a large part of the joyous spectacle of attacking rugby on offer at Twickenham.14. Anthony Watson (England)Has been his side’s best back throughout the tournament and delivered another virtuoso turn at Twickenham. One burst summoned a time machine to take England fans back to the era of Jason Robinson. A try and a win on his 50th cap. Anthony Watson score England’s first try against France (Getty Images) 4. Maro Itoje (England)Charlie Ewels had one of his best games for England, but Itoje put the team on his back when it mattered. Scored the crucial try (with a pick-up harder than it looked) and deserves credit for cutting down a crippling penalty count.Romain Taofifenua picked up two important turnovers in a rare Six Nations start. 5. Iain Henderson (Ireland)  Made a mammoth 21 tackles and was a major part of the disruption wreaked upon the Scottish lineout, which was perhaps the main factor why the hosts failed to get a foothold at Murrayfield. Ireland could easily contribute three second-rows to the Lions. 6. Tadhg Beirne (Ireland)It was nearly impossible to pick the back row this week. Curry, Watson, Navidi and Beirne were all excellent, but Beirne just shades it over Josh Navidi on the blindside for me. Can’t get to the shops? Download the digital edition of Rugby World straight to your tablet. Subscribe to the print edition for magazine delivery to your door.Follow Rugby World on Facebook, Instagram and Twitter.last_img read more

Sonny Bill Williams says he ‘let his brothers down’ after red card and ban

first_imgMonday Jul 3, 2017 Sonny Bill Williams says he ‘let his brothers down’ after red card and ban Sonny Bill Williams has said that he let his brothers down following a red card and subsequent four week suspension after the second Test against the British and Irish Lions. Williams will miss the all important decider this coming weekend, as the series is tied at 1-1. Williams admitted to an act of Foul Play contrary to Law 10.4(g) Dangerous Charging after he used his shoulder to stop Lions winger Anthony Watson in the first half of the Test in Wellington.The cross-code star was shown a red card by referee Jerome Garces and the All Blacks played the remainder of the game with 14 men, going on to lose 24-21.The offence was deemed to have been reckless and warranted a mid-range entry level, which usually means a six week suspension. However, due to factors such as his early admission, disciplinary record, good character and remorse, it was reduced to a four week suspension.Williams will miss the decider as well as the Blues’ final game of the Super Rugby season. He made a short on how he was feeling on Sunday night.“Obviously really disappointed, but happy with being able to get in there and say my piece,” he said after a three hour hearing. “They’ve come to the conclusion that it was reckless, it wasn’t intentional.“I’ve got in contact with Anthony and I’ve apologised to him, but very disappointed that I was sent from the field last night and let my brothers down.”Powerful Highlanders centre Malakai Fekitoa has been called up ahead of the third Test. All Blacks coach Steve Hansen spoke about how Williams was feeling. “He’s disappointed. Not for himself, he accepts he’s made a mistake, but he’s disappointed because he’s let the team down. We can’t go back and change it. People make mistakes. It’s a fluid game, it’s a fast game, it’s a physical game so we’ve got to move on from it.”Do you think that it warranted a red card and suspension, or would a yellow have sufficed?credit: Posted By: rugbydump Share Send Thanks Sorry there has been an error Big Hits & Dirty Play , British & Irish Lions 2017 Related Articles 25 WEEKS AGO Suspensions handed down after testicle grabbing… 26 WEEKS AGO The ‘double ruffle’ splits opinion with fans… 26 WEEKS AGO WATCH: The nastiest and most brutal moments… From the WebThis Video Will Soon Be Banned. Watch Before It’s DeletedSecrets RevealedYou Won’t Believe What the World’s Most Beautiful Girl Looks Like TodayNueeyUrologists Stunned: Forget the Blue Pill, This “Fixes” Your EDSmart Life ReportsGranny Stuns Doctors by Removing Her Wrinkles with This Inexpensive TipSmart Life ReportsIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier Living30+ Everyday Items with a Secret Hidden PurposeNueeyThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancellast_img read more

Houses for Eldery People in Alcácer do Sal / Aires Mateus

first_img Photographs Projects ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Architects: Aires Mateus Year Completion year of this architecture project CopyAbout this officeAires MateusOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsHealthcare ArchitectureHealthcareretirementResidential ArchitectureHousingHousingHealthcare ArchitectureFernando GuerraFG+SGResidentialAlcácer do SalPortugalPublished on February 06, 2013Cite: “Houses for Eldery People in Alcácer do Sal / Aires Mateus” 06 Feb 2013. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogAluminium CompositesTechnowoodWood Siding in KSR Villa BodrumPlasticsMitrexSolar SidingMetal PanelsAurubisOxidized Copper: Nordic BrownEnclosures / Double Skin FacadesCupa PizarrasCupaclad® 101 Random in Les PalmiersUrban ApplicationsIsland Exterior FabricatorsPublic Safety Answering Center II Envelope SystemConcreteKrytonConcrete Hardening – Hard-CemSkylightsVELUX CommercialModular Skylights – Ridgelight 25-40°Porcelain StonewareGrespaniaPorcelain Tiles – Coverlam ImperialWindowspanoramah!®ah! Vertical SlidingFastenersSchöckConcrete Façade Fasteners – Isolink®CarpetsFabromont AGTextile Floor Covering – Arena®CoatingsFormicaLaminate – ColorCore®2More products »Read commentsSave想阅读文章的中文版本吗?Alcácer do Sal住宅 / Aires Mateus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 2010 Houses for Eldery People in Alcácer do Sal / Aires Mateus CopyRetirement, Housing•Alcácer do Sal, Portugal “COPY” Photographs:  Fernando Guerra | FG+SGArchitect In Charge:Francisco Aires Mateus, Manuel Aires MateusDesign Team:Giacomo Brenna, Paola Marini, Anna Bacchetta, Miguel PereiraContractor:Ramos CatarinoEngineering:Engitarget, ldaLandscape Architects:Luis Alçada BatistaClient:Santa Casa da Misericordia de Alcácer do SalCity:Alcácer do SalCountry:PortugalMore SpecsLess SpecsSave this picture!First Floor PlanRecommended ProductsMetallicsStudcoWall Stop Ends – EzyCapLightsLouis PoulsenLamps – AJ CollectionEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsEnclosures / Double Skin FacadesRodecaRound Facade at Omnisport Arena ApeldoornText description provided by the architects. The project is based on a attentive reading of the life of a very specific kind of community, a sort of a micro-society with its own rules.Save this picture!© Fernando Guerra | FG+SGIt is a program, somewhere in between a hotel and a hospital, that seeks to comprehend and reinterpret the combination social/private, answering to the needs of a social life, and at the same time of solitude. Independents unities aggregate into a unique body, whose design is expressive and clear.Save this picture!© Fernando Guerra | FG+SGThe reduct mobility of those who will live in the building suggests that any displacement should be an emotive and variable experience. The distance between the independent units is measured and drawn to turn the idea of path into life, and its time into form.Save this picture!© Fernando Guerra | FG+SGThe building, designed path, is a wall that naturally rises from the topography: it limits and defines the open space, organizing the entire plot.Save this picture!© Fernando Guerra | FG+SGProject gallerySee allShow less’Arte s’ Residential Tower / Spark ArchitectsArticlesWorld Stage Design 2013 Festival: Sustainable Theatre Design CompetitionArticlesProject locationAddress:Alcacer do Sal, PortugalLocation to be used only as a reference. It could indicate city/country but not exact address. Sharecenter_img ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Year:  ArchDaily Retirement Save this picture!© Fernando Guerra | FG+SG+ 31 Share “COPY” Portugal Houses for Eldery People in Alcácer do Sal / Aires MateusSave this projectSaveHouses for Eldery People in Alcácer do Sal / Aires Mateuslast_img read more

New dog owner community launches online with charity drive

first_imgNew dog owner community launches online with charity drive Howard Lake | 1 March 2012 | News A brand new website has launched in the UK, aimed at dog owners looking to save money on essential purchases such as dog food, treats, beds, leads and much more; with an innovative comparison function that enables visitors to not only find the best price, but also donate to charity just by buying items through the has launched in the UK with an aim to become the one stop shop for dog owners; providing a price comparison function which allows users to both save money and donate a percentage of their purchase to charity, purely by using the website.Visitors to the website can view and compare prices across hundreds of dog-related products, find discount codes and special offers and also, by simply using the price comparison function and purchasing through the site, a percentage of the user’s order value is donated by My Dog World to various dog related charities and organisations.Working in such a way, these donations cost the customer no more extra cash than they would have spent on their items anyway, as it is My Dog World that releases the money to the chosen charities. In terms of targets for how much My Dog World is aiming to raise for its partner charities, the site hopes to achieve enough sales to give £250,000 in 2012.With more than 8 million dog owners in the UK, the site owners see that just a small percentage of these would be required to get behind the idea for them to achieve the target donation. The price comparison function on the site can often bring up the same item with a £10 difference in cost from different retailers, so the customer always benefits.As well as helping users save money and enabling them to easily donate money to charity, My Dog World provides users with information on re-homing and rescue dogs and details on dog training, behaviour and much more; thanks to a partnership with leading dog trainer and behaviourist expert Gwen Bailey.The site will educate dog owners further, providing them with all the products, information and advice they could need to give their dog a happy home. Users can also upload images of their pet dogs and share stories of their pets with other users.Stuart Reed, founder of, spoke about the charity donation aspect of the website;“It has recently been brought to my attention that around 20 dogs are put to sleep in the UK every day, often through no fault of their own and simply because animal shelters have not been successful in re-homing them. This saddens me no end and I know many people are giving up their pets because they can no longer afford to keep them. Team this with the fact charity donations from the general public are declining and there is a real problem.“We wanted to think of a way that we could give money to dog related charities and dog related good causes without having to ask site visitors for more money than they would spend on the purchase of their items. We therefore decided we would give a percentage of each purchase to charity, because then everyone wins. The charities benefit and customers can feel good about buying through My Dog World, because they know they are getting the best price for goods and making a difference to dog welfare.”  35 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 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 Researching massive growth in giving. Tagged with: Affinity Digitallast_img read more

In “grotesque” sentence, court fines website editor for insulting Putin

first_img Help by sharing this information News May 28, 2021 Find out more BelarusEurope – Central Asia ————-Create your blog with Reporters without borders: BelarusEurope – Central Asia Follow the news on Belarus Receive email alerts Organisation News “We welcome opening of criminal investigation in Lithuania in response to our complaint against Lukashenko” RSF says to go further RSF_en Russian media boss drops the pretence and defends Belarus crackdown News Reporters Without Borders today condemned the fine of 20,000 rubles (about 600 euros) that was imposed by court in Ivanovo on 24 October on Vladimir Rakhmankov, the editor of the online newspaper Cursiv, for “insulting the president” in an 18 May article headlined, “Putin as Russia’s phallic symbol.” The fine was half what the prosecutor requested for the article, which was about the government’s attempts to increase the birthrate.“This is utterly grotesque even if it falls far short of the gravest forms of persecution to which journalists are exposed in Russia,” the press freedom organisation said. “Prosecuting a journalist on a charge of ‘insult’ because of a satirical article is a flagrant violation of free expression.”Reporters Without Borders added: “The situation of Russian journalists in the provinces is often very tough because of the high degree of concentration of authority.”Rakhmankov was charged on 19 May, the day after he published the article. His home and office were searched, his computer was seized, and his website was illegally closed down on 22 May. According to the Russian criminal code, he had faced up to 12 months of hard labour.He always insisted he did nothing wrong and that the local authorities were just using a pretext to punish him for criticising them in the articles he had published in Cursiv. RSF at the Belarusian border: “The terrorist is the one who jails journalists and intimidates the public” News June 2, 2021 Find out more October 27, 2006 – Updated on January 20, 2016 In “grotesque” sentence, court fines website editor for insulting Putin May 27, 2021 Find out morelast_img read more

Union Home Mortgage Teams Up with 5-Time PGA TOUR Winner Jason Dufner

first_img By Digital AIM Web Support – January 28, 2021 WhatsApp WhatsApp Facebook Facebook STRONGSVILLE, Ohio–(BUSINESS WIRE)–Jan 28, 2021– Union Home Mortgage (UHM), a high-growth independent mortgage banking company with world-class culture, has signed a multi-year partnership with five-time PGA TOUR winner and major champion, Jason Dufner. The deal will place UHM’s logo on Dufner’s left chest for all PGA TOUR events he plays. It is a natural fit for two competitors with deep roots in Northeast Ohio. This press release features multimedia. View the full release here: Jason Dufner at The American Express tournament on January 21, 2021 (Photo: Business Wire) Duf, as he is known by most in the golf world, was born in Cleveland and grew up playing on the city’s west side. Union Home Mortgage is headquartered in nearby Strongsville, Ohio and was founded by Bedford, Ohio native Bill Cosgrove. In addition to the hometown connection, Duf’s unique and approachable personality, along with his competitive mindset, aligned perfectly with UHM’s award-winning culture. “This partnership was an easy choice for me,” said Bill Cosgrove, President & CEO of Union Home Mortgage. “This is a guy who grew up playing the Columbia Hills Country Club 20 minutes away from our offices. Being a local guy, Duf understands and represents so much of what we’ve worked hard to build at UHM. He is a competitor and top-performing pro but is as fun and approachable as they come. He’s as committed to the region as we are even as we experience explosive growth nationwide.” Dufner is a 5-Time PGA TOUR winner, including a 2013 PGA TOUR Championship win, and was a member of the 2012 US Ryder Cup and 2013 US President’s Cup teams. He is also the founder of the Jason Dufner Foundation, which focuses on ending childhood hunger in the communities surrounding his alma mater, Auburn University, by providing school meals to more than 1,400 kids, summer feeding assistance, and resources and programs to area-youth. “Bill has built a culture at UHM centered around fun, accountability, and competitiveness, which reflects the kind of mindset I’ve tried to bring to my game,” said Dufner. “I love that a company from my hometown is experiencing such rapid growth, and I am proud to help expand their profile and awareness as they continue to add talent and customers across the country. And, like me, Bill is a die-hard Cleveland sports fan, which certainly didn’t hurt.” The deal is the latest in a series of high-profile sports partnerships for Union Home Mortgage. In the Cleveland market, Union Home Mortgage has worked with beloved baseball personality Tom Hamilton, as well as former Cleveland Browns great, Bernie Kosar. In October, UHM became the title sponsor for the NCAA college football postseason’s Gasparilla Bowl, played each year at Raymond James Stadium. The company has also inked multi-year deals with the Cleveland Indians and a national sponsorship with Professional Bull Riders (PBR). About Union Home Mortgage Union Home Mortgage Corp. (UHM) is a high-growth, full-service retail, wholesale and consumer direct independent mortgage banking company with over 150 branches across the U.S. For 6 consecutive years, UHM has been awarded a Top Workplace. With a world-class culture that stands out in the mortgage industry, UHM Partners (employees) are guided by a Code of Conduct that emphasizes respect, open communication and accountability. UHM is an approved direct lender of Fannie Mae, Freddie Mac, FHA, VA, USDA and other conforming and non-QM loan products, with over $10 billion in responsible lending per year. View source version on Kaila Taton – 440-863-3212 – [email protected] KEYWORD: OHIO UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: SPORTS RESIDENTIAL BUILDING & REAL ESTATE BANKING COMMERCIAL BUILDING & REAL ESTATE CONSTRUCTION & PROPERTY PROFESSIONAL SERVICES MARKETING GOLF ADVERTISING COMMUNICATIONS FINANCE SOURCE: Union Home Mortgage Copyright Business Wire 2021. PUB: 01/28/2021 10:00 AM/DISC: 01/28/2021 10:01 AM Pinterest Union Home Mortgage Teams Up with 5-Time PGA TOUR Winner Jason Dufnercenter_img Pinterest Twitter Previous articleEnergage Names American Integrity Insurance Group a Winner of the 2021 Top Workplaces USA AwardNext articleMattel Earns Perfect Score on Human Rights Campaign’s Corporate Equality Index for Second Consecutive Year Digital AIM Web Support TAGS  Local NewsBusiness Twitterlast_img read more

COVID-19’s Impact on Homeowner Payment Ability

first_imgHome / Daily Dose / COVID-19’s Impact on Homeowner Payment Ability Governmental Measures Target Expanded Access to Affordable Housing 2 days ago COVID-19’s Impact on Homeowner Payment Ability Data Provider Black Knight to Acquire Top of Mind 2 days ago March 31, 2020 1,556 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago Millions of homeowners and renters alike are at risk of losing their jobs in the wake of COVID-19, with around 13 million Americans reliant on wages from at-risk jobs, according to the Harvard Joint Center for Housing Studies (JCHS). JCHS notes that many of these households were more likely to be cost-burdened than those relying on income from other industries even before losing work.The JCHS’s research indicates that renter households are even more likely to be burdened with COVID-19 layoffs, as renter households relying on wages from at-risk jobs had a cost burden rate of 53% while 35% of renter households in other jobs were burdened.“The loss of service jobs would undoubtedly worsen affordability for households who already must spend an outsized portion of their incomes on rent each month,” Whitney Airgood-Obrycki, Research Associate, JCHS said.Forty percent of households (5.2 million) whose wages came exclusively from at-risk jobs were cost-burdened as compared to 22% of households (13.1 million) whose income came only from other jobs.While it is difficult to know what a COVID-19 recession will mean for housing markets, the ongoing affordability crisis will only worsen in coming months. Federal Housing Finance Administration Director Mark Calabria notes that mortgage rates and sales are expected to recover after the crisis, as it is now disrupting both the primary and secondary mortgage markets. Additionally, Calabria stated that the slowdown in economic activity will increase the number of homeowners who struggle to make their mortgage payments.However, recently, there have been low rates of serious delinquency.”In the secondary market, Agency MBS liquidity has decreased as investors pull back, especially REITs, money market funds, and some banks,” Calabria said. “Also, the Agency debt market has dislocated as a result of economic uncertainty, investor aversion to long-term debt, and a market-wide flight to cash.”The federal government announced a temporary moratorium on public housing evictions and foreclosures of mortgages backed by Fannie Mae, Freddie Mac, and the Federal Housing Administration. State and local governments are similarly implementing eviction protections for renters, though these delay but do not forgive rent payments.“While these measures are a needed stopgap to help households with reduced incomes now, continued efforts and assistance will be necessary to ensure that those who do lose major sources of income will still be able to afford housing,” added Airgood-Obrycki. Share 2Save Demand Propels Home Prices Upward 2 days ago Tagged with: Coronavirus Homeowners Renters Subscribe The Best Markets For Residential Property Investors 2 days ago Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img Coronavirus Homeowners Renters 2020-03-31 Seth Welborn Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Investment, Market Studies, News  Print This Post Previous: DS5: How Servicers, Vendors Can be Better Prepared Next: Activists Push for Further Eviction Moratoriums Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Seth Welborn Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 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. Demand Propels Home Prices Upward 2 days agolast_img read more

Education Minister won’t dictate to schools on generic uniforms

first_img WhatsApp Google+ Gardai continue to investigate Kilmacrennan fire Homepage BannerNews Further drop in people receiving PUP in Donegal Previous articleImagine says broadband plans for west Donegal are on hold due to low uptakeNext articleHighland’s Sunrise to Sunset Challenge Photos News Highland The Education Minister appears to be ruling out legislation that would force schools into allowing generic uniforms.Richard Bruton says he will introduce a ‘parents charter’ by the end of the year so that decisions on uniforms and other issues in schools must be discussed with parents.He says he’s encouraged by the latest credit union survey that shows the cost of uniforms is beginning to fall.Minister Bruton says he’s not for dictating what school should do on uniforms:Audio Player Up/Down Arrow keys to increase or decrease volume. Education Minister won’t dictate to schools on generic uniforms By News Highland – July 22, 2016 Facebook Pinterest Google+center_img RELATED ARTICLESMORE FROM AUTHOR Pinterest Twitter WhatsApp Man arrested on suspicion of drugs and criminal property offences in Derry 365 additional cases of Covid-19 in Republic Main Evening News, Sport and Obituaries Tuesday May 25th 75 positive cases of Covid confirmed in North Facebook Twitterlast_img read more