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Royal Mail reports fall in profits

first_img whatsapp Tuesday 2 November 2010 9:47 pm Show Comments ▼ More From Our Partners A ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgKiller drone ‘hunted down a human target’ without being told tonypost.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgMark Eaton, former NBA All-Star, dead at 64nypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.org by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailThe Sports DropForgotten College Basketball Stars: Where Are They Now?The Sports DropMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryMagellan TimesThis Is Why The Roy Rogers Museum Has Been Closed For GoodMagellan TimesUpbeat NewsThese 25 Celebrities Ruined Their Career in a Matter of MinutesUpbeat NewsElite HeraldExperts Discover Girl Born From Two Different SpeciesElite HeraldMoney VersedWoman Shares The 5 Words She Said That Left Her Boyfriend In AweMoney VersedZen HeraldThe Truth About Why ’40s Actor John Wayne Didn’t Serve In WWII Has Come To LightZen Herald Share Royal Mail reports fall in profits center_img whatsapp PROFITS at state-owned postal service Royal Mail tumbled in the first half, highlighting the mammoth task the government will face in finding a trade buyer or completing a flotation.In the six months to the end of September, operating profit plunged by 72 per cent to £52m, against £184m a year earlier,as falling mail volumes, stiff competition, and the inexorable rise of electronic communication took their toll. Revenues tumbled from £4.6bn to £4.4bn.Vince Cable, the business secretary, recently unveiled plans to privatise 90 per cent of Royal Mail, either through a flotation or trade sale. Trova Consulting, an advisory firm commissioned to value to postal service, said it could be worth as little as £700m. Possible trade buyers include dutch rival TNT and Deutsche Post. KCS-content Tags: NULLlast_img read more

MPC poised to hold rates at 0.5 per cent

first_imgWednesday 8 December 2010 7:34 pm whatsapp KCS-content Share whatsapp by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastSerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity TimesBetterBe20 Stunning Female AthletesBetterBemoneycougar.comThis Proves The Osmonds Weren’t So Innocentmoneycougar.comAlphaCute30 Rules That All “Hells Angels” Have To FollowAlphaCuteDefinitionDesi Arnaz Kept This Hidden Throughout The Filming of ‘I Love Lucy’DefinitionTaonga: The Island FarmThe Most Relaxing Farm Game of 2021. No InstallTaonga: The Island FarmZen HeraldNASA’s Voyager 2 Has Entered Deep Space – And It Brought Scientists To Their KneesZen Herald MPC poised to hold rates at 0.5 per cent Show Comments ▼ Tags: NULL INTEREST rates are expected to stay at 0.5 per cent today, after the Bank of England’s rate setting committee meet for the final time this year.A split has emerged in the Monetary Policy Committee (MPC) in recent months, with “hawk” Andrew Sentance pushing the case for a rate rise and “dove” Adam Posen arguing for a further bout of quantitative easing (QE2).But seven of the nine voting members remain on the fence, opting against a move in either direction. “The difficulty is the unprecedented nature of the situation since the credit crunch,” said Peter Spencer of the Ernst and Young ITEM Club.After a normal recession inflation should have dropped, he said.Bank governor Mervyn King has been forced to write several letters to chancellor George Osborne to explain why inflation remains well above the two per cent target.King has argued that the MPC is concerned about medium term inflation, not short term effects.The committee is “ready to adjust policy in either direction,” he said.Since the MPC’s November announcement, the Office for Budget Responsibility (OBR) released its economic and fiscal outlook.The OBR slightly lowered the projected growth rate for the next two years, but remains optimistic about GDP increasing by over two per cent per annum.And employment will increase, according to the OBR. “Private sector job creation more than offsets falling public sector employment – just as it did during the 1990s,” the report stated.The MPC’s statement today will be followed next week by the Bank’s quarterly bulletin-CITY A.M. | SHADOW MPCALLISTER HEATH | CITY A.M“The economy is continuing to grow, led by manufacturing in particular. There is much less spare capacity than people realise, one reason why inflation is too high for comfort. We need a small hike in rates now to send a strong message to the markets.”SIMON WARD | HENDERSON“Raise by 0.5 per cent. Policy is much too loose, as evidenced by nominal domestic demand growth of 7.1 per cent in the year to the third quarter, the highest since 1998. Consumer inflation expectations have surged, threatening stronger wage pressures in 2011.”GEORGE BUCKLEY | DEUTSCHE BANK“The economic news has been consistent with keeping policy on hold for the time being, ruling out rate increases or further QE. If the recovery continues the Bank could begin raising rates from mid 2011, however.”PHILIP SHAW | INVESTEC“Domestic economic news has been relatively encouraging over the past month, while inflation news has been disappointing. Further QE seems unjustified, at least at this stage, and rates should stay at 0.5 per cent.”VICKY REDWOOD | CAPITAL ECONOMICS“Given the tricky combination of a renewed rise in inflation and the looming fiscal squeeze, I’d leave policy unchanged – but with a bias towards more QE if the recovery disappoints in the following quarter.”TREVOR WILLIAMS | LLOYDS BANKING GROUP“UK growth has been healthy recently but with fiscal tightening and the VAT rise to come, plus the backdrop of weakening growth in Europe, the prospects for a sustained recovery are not yet secure enough to warrant a tightening of policy.”HOWARD ARCHER | IHS GLOBAL INSIGHT“No change. The economy is ending 2010 reasonably well and there currently seems little need for more QE. But I would not raise interest rates given the threats to growth coming from the fiscal squeeze and events in the Eurozone.”JAMIE DANNHAUSER | LOMBARD STREET RESEARCH“Output growth through the fourth quarter of the year appears to be robust, especially in manufacturing. If anything, inflation could surprise on the upside in the near-term. Leave monetary stance unchanged.”GRAEME LEACH | IOD“We don’t want or expect any pre Christmas surprise. Rates and QE need to remain on hold but we view the anaemic level of broad money growth with concern. Growth prospects will weaken in the first half of 2011, and more QE is very possible.” last_img read more

Do this one thing now and you can put your state pension fears behind you

first_img “This Stock Could Be Like Buying Amazon in 1997” 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 Michael Taylor Image source: Getty Images. Michael Taylor | Sunday, 5th January, 2020 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.center_img Views expressed 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. I fear for those who will be reliant on their state pension when they retire in 20–30 years, because I don’t think it will exist by then. Given the high rate of human population growth and rising global debt, I just don’t see how anyone could be confident about it.That’s why I took action early on. In my twenties, I made the decision to start investing. But more than that, I made the decision to start investing in growth stocks.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…Why you should invest in growth stocksGrowth stocks are all about capital growth. You don’t choose them for dividends or income, but because you want your investment to grow in value. However, growth stocks also tend to come with higher risk; growth stocks can have insanely high price-to-earnings (PE) ratio valuations. Growth stock companies can also be at risk from many other factors simply because they are smaller and younger than large, established industry monoliths. It’s easier to for them to be knocked off-course.But, it’s also easier for them to navigate stormy waters. Whereas a FTSE 100 giant may struggle to adapt to market trends due to its size, a much smaller growth company may be more nimble.For those who can afford to take on a bit more risk before they retire, it makes sense to consider growth stocks.Growth at a reasonable price Growth at a reasonable price (GARP), as it was called by Peter Lynch, is a strategy that looks for attractive growth businesses that aren’t valued at lofty P/E ratios. Lynch, a former Fidelity fund manager, also used the price-to-earnings growth ratio (PEG) for valuation. This looks at the P/E ratio against the percentage growth rate of a company. For example, a company that is growing its earnings at 40% a year but is rated by the market on a P/E ratio of 20 times earnings would be classed as cheap due to a PEG ratio of 0.5. Self-sustaining business modelsOne big problem of growth stocks is that they can be cash-guzzling and loss-making. That means that more cash is often required, from new shareholders, which dilutes the entire issued share capital. Existing investors don’t like to see their percentage shareholdings in the business dwindle, so the market’s reception of these fund raises can be extremely harsh if management doesn’t plan ahead. That’s why I believe it’s important to look for growth stocks that are have attractive PEG ratios but that also have self-sustaining business models. This reduces the overall risk of investing in growth stocks. A company that doesn’t need external sources of funding to keep the lights on is a lot safer than one that does!Bonus One final factor that I like to see in a growth company is management owning plenty of shares. It’s much better for directors to be aligned with shareholders (preferably with their own skin in the game) than for them to have no equity or interest in the business’s success. Do this one thing now and you can put your state pension fears behind you 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 Simply click below to discover how you can take advantage of this.last_img read more

Japan 2019 Travel Guide: Kobe

first_imgSpecial art events will take place in this host city during the World Cup TAGS: Japan How to get thereKobe is just 12 minutes by bullet train from Osaka or two hours, 40 minutes from Tokyo. You can also fly to Kobe Airport from Tokyo (70min), Sapporo (115min) andOkinawa (130min). Head for heights: Akashi Kaikyo Bridge, the world’s longest suspension bridge Advertising FeatureJapan 2019 Travel Guide: KobeArts and crafts, hot springs and hikes – and, of course, Kobe beef. This Japan 2019 venue has much to offer…The Culture Vulture Arima Onsen is the oldest hot spring in Japan and it is rated as one of the top three in the country. It has two kinds of spring, which is very rare. The reddish-brown Kinsen is beneficial for keeping your body hot and healing your back pain, while the transparent sparkling spring, Ginsen, contains a lot of minerals, which is good for beauty.Just 30 minutes from Kobe city centre, a visit to the onsen also allows you to see a geisha dance display as well as traditional crafts, such as Arima baskets and dolls.Culture trip: Arima Onsen is the oldest hot spring in JapanThe Takenaka Carpentry Tools Museum not only provides plenty of background on Japan’s building and crafts techniques, but you can also try your hand at making things yourself.Visit the 500-year-old camphor tree in the serene Sorakuen Garden in the city. There is also a café overlooking the Japanese garden if you fancy a pit stop.The FoodieThe food that always comes to mind when talking about Kobe is, of course, Kobe beef. Only cows which have passed a rigorous examination can be labelled as such and the soft meat, marbled with fat, is loved by both the Japanese and foreigners.Kobe is not just about the beef, though. Other local delicacies include sobameshi (rice and noodles), dumplings with miso sauce, and bokkake (small cuts of beef and chopped konnyaku with a sweet and spicy sauce).Kobe’s Nada district is Japan’s top sake-producing region. It has long been famous for its sake due to the availability of high-quality rice, suitable water and favourable weather conditions in the area. The AdventurerIf you want to hike or trek, head to Nunobiki Waterfalls, which are near Shin-Kobe Shinkansen station. Not only will you get to see massive falls – one of Japan’s top three – but you’ll also have a brilliant view of Kobe city. Plus, the hiking pass will take you to the Nunobiki Herb Garden. There are trekking routes on Mount Rokko too.Falls into place: Nunobiki Waterfalls are great if you want to hike or trekYou can also take a tour of the Akashi Kaikyo Bridge, which offers a panoramic view 300 metres above the sea. You’ll be given information on the bridge’s history and technology with someone who was involved in the construction as your guide.The Party Animal Get an insight into Kobe’s bar scene from those who know it best by going on the Night Surfing tour with locals. There are numerous izakayas where you can enjoy local craft beers, as well as the Third Row bar run by former Kobe Steelers player Yasunori Kanemura.Local knowledge: A Night Surfing Tour in KobeThere are also art events during the World Cup. From September to November, enjoy contemporary art on Mount Rokko in the Rokko Meets Art event. The TRANSproject features modern art in the Hyogo Port, Shinkaichi and Shin-Nagata areas.For more travel information…try-kobe.com/plus.feel-kobe.jp/en/plus.feel-kobe.jp/en/guide/ LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALSlast_img read more

Sydney Archbishop welcomes New South Wales modern slavery bill

first_imgSydney Archbishop welcomes New South Wales modern slavery bill Canon for Family Ministry Jackson, MS AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Rector Martinsville, VA Assistant/Associate Priest Scottsdale, AZ Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Human Trafficking Assistant/Associate Rector Washington, DC Course Director Jerusalem, Israel An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Press Release Service In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET Rector Hopkinsville, KY [Anglican Communion News Service] Draft legislation to make it easier for police and prosecution authorities to crack down on modern slavery in New South Wales has been welcomed by  Archbishop of Sydney Glenn Davies. The archbishop was in the public gallery of the New South Wales Legislative Council March 8 as MLC Paul Green introduced his modern slavery bill. Davies said that the bill “deserves the wholehearted support of the Parliament and the people of NSW.”Read the entire article here. New Berrigan Book With Episcopal Roots Cascade Books Rector (FT or PT) Indian River, MI Rector and Chaplain Eugene, OR Rector Belleville, IL Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Rector Tampa, FL Youth Minister Lorton, VA Featured Jobs & Calls The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Rector Albany, NY Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York Anglican Communion, Rector Shreveport, LA Rector Washington, DC Featured Eventscenter_img Director of Administration & Finance Atlanta, GA Priest Associate or Director of Adult Ministries Greenville, SC Rector Bath, NC Family Ministry Coordinator Baton Rouge, LA TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab Rector Smithfield, NC Curate (Associate & Priest-in-Charge) Traverse City, MI Associate Rector Columbus, GA Submit a Job Listing Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Posted Mar 9, 2018 Submit an Event Listing Rector Collierville, TN Assistant/Associate Rector Morristown, NJ Rector/Priest in Charge (PT) Lisbon, ME Rector Knoxville, TN Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Associate Rector for Family Ministries Anchorage, AK Rector Pittsburgh, PA Submit a Press Release Missioner for Disaster Resilience Sacramento, CA Bishop Diocesan Springfield, IL This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET Priest-in-Charge Lebanon, OH Tags Director of Music Morristown, NJ Curate Diocese of Nebraska Associate Priest for Pastoral Care New York, NY Cathedral Dean Boise, ID last_img read more

The Basics of securing an auto loan

first_img LEAVE A REPLY Cancel reply Support conservation and fish with NEW Florida specialty license plate TAGSAuto Loan Previous articleStand Up For Your Health at Your Desk JobNext articleApopka High Bowling Team at Nationals: Day 2 Denise Connell RELATED ARTICLESMORE FROM AUTHOR If you’ve decided it’s time to purchase a vehicle, the best thing you can do beforehand is to educate yourself on the process. Here are some Auto Loan Basics to help you get started. Determine a BudgetFirst you need to know how much you can afford to spend and what your down payment will be. Traditionally, 20 percent was thought to be a suitable down payment for a new car, and about 10 percent for a used vehicle. However, it depends on how much you can afford. According to Edmunds.com, the general rule is that for every $1,000 you put down, your monthly payment will drop by $20. To see how various down payments will affect your monthly payment, use the Edmunds calculators. The bottom line is, put down as much as you can afford. If you will be trading in a vehicle, visit a few dealerships and ask for a trade-in quote. Also, check Kelley Blue Book, which provides approximate values for pre-owned vehicles.Lender ChoicesIn order to purchase a car, you will most likely need to borrow money. Most people borrow from a bank, a credit union, a dealership or through an on-line only lender. Complete several applications, be completely honest when answering the questions (all information will be verified!), and see which one offers you the best loan and terms for your circumstances.Interest RatesRemember, in order to borrow money, you will have to pay interest to the lender, in addition to the principal. You will be required to pay the money back to the lender in monthly installments until it is completely paid-off. As you shop around, it’s important to understand that interest rates, also known as Annual Percentage Rate (or APR) can vary. Your credit rating, price of the vehicle, length of the loan and your geographic location will determine your interest rate. For example, the shorter the length of the loan, the lower the interest rate and, conversely, the longer the loan, the higher the interest rate.Credit RatingYour credit rating is important; as it impacts the interest rate you will be charged, as stated above. The higher your credit score, the lower the interest rate you will be charged. So, you should know what your credit score is prior to applying for a car loan. According to U.S. News and World Report, those with a credit rating 720 and above receive the best interest rates. You can check your credit scores through bureau’s like FICO, TransUnion, Experian and Equifax. You should also check this information to ensure its accuracy, and to verify there is no fraudulent activity on your record. If your rating is poor, click here for tips from Experian on how to improve it.  If your FICO score is 620 or below, you will increase the chances of getting approved for a loan if you put down a large down payment.If you have good credit, it’s to your advantage to get pre-approved for a loan before you walk into a dealership. This gives you the upper hand, and a choice as to whether to accept or reject the dealership’s financing. Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Please enter your comment! Share on Facebook Tweet on Twitter You have entered an incorrect email address! Please enter your email address here The Anatomy of Fear Please enter your name here Save my name, email, and website in this browser for the next time I comment.last_img read more

Questions raised about lifters in RG Snyman injury on debut

first_imgTuesday Aug 25, 2020 Questions raised about lifters in RG Snyman injury on debut Another notable name was added to Munster’s growing injury list this weekend when new signing RG Snyman came off within the first ten minutes of their contest with Leinster at the Aviva Stadium.ADVERTISEMENTThe province revealed the worst possible news on Tuesday that the World Cup winner tore his ACL and is set to be absent for almost a year. This not only slashes through his two-year stay at Thomond Park, but also throws his chances of making the Springboks squad for the British and Irish Lions tour next year into jeopardy, let alone any Test fixtures before then.The injury came when the lock landed awkwardly following a steal at the lineout, and since then a discussion has emerged online regarding the responsibility of his lifters.Many lineouts are completed in a match without any problems, but there is always an inherent risk in the set piece. Moreover, the risk is greater in defensive lineouts where the players are far more impulsive as they are reacting to what the opposing players are doing.This potentially prevents the lifters, and even the jumpers, from being as secure and stable as the team in possession are, who more or less know where to be and what to do in the process. As a consequence, a player like Snyman in this case, can be left in a hazardous position.His lifters were Billy Holland and Peter O’Mahony on Saturday, and while they did not ensure that the South African landed as safely as possible, they can hardly be blamed as it is not that uncommon to see a player free fall to their feet.ADVERTISEMENTThat is gut-wrenching for Munster. RG Snyman doing his ACL 7 minutes into his debut. Losing a world class forward. Same for SA rugby + Lions tour. Really shows the importance of the lifters to be able to bring any man down safely. Sometimes its just unlucky and can go wrong.— Tom O’Donoghue (@TNODonoghue) August 25, 2020Very disappointed for RG Snyman.Not much being said of his lifters.Questions over how many physical lineout reps were done should be answered. There are player welfare issues that Covid is “forcing” squads into.— Leinster PAGuy (@LeinsterPAGuy) August 25, 2020https://twitter.com/DHaych80/status/1298187630316847104?s=20A shame to see Snyman off so early. He can’t be too happy with his lifters— Majubra (@draadsit) August 22, 2020Aargh that’s awful. RG Snyman off after 7 minutes because his lifters didn’t support him properly.— Runningflyhalf (@Runningflyhalf) August 22, 2020ADVERTISEMENTLifters do have a duty of care at every lineout to ensure their teammate, and their opponent lands safely, but there are often mitigating factors. A crooked throw can set the jumper off balance, while the player competing for the ball can cause havoc, and that is understandably why players are often penalised for infringing at the lineout.An injury like this will always evoke questions surrounding the safety of the lineout, and law tweaks are often made to achieve that. But more than anything at the moment, all those involved with Munster will be rueing the absence of one of their landmark signings for the rest of the season and well into the next. Posted By: rugbydump Share Send Thanks Sorry there has been an error News Related Articles 25 WEEKS AGO Exeter vs Toulouse is off as a number of… 25 WEEKS AGO Danny Cipriani leaves Gloucester with immediate… 25 WEEKS AGO ‘Aphiwe can’t believe it. We were starting… 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

One in five charities submits annual returns too late

first_imgOne in five charities submits annual returns too late About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. Tagged with: Charity Commission Finance Law / policy  55 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 The Charity Commission reports that last year 20% of charities in England and Wales failed to submit their accounts and Annual Returns on time.The Commission is therefore reminding charities to file on time. It has launched a regional press campaign to encourage local trustees to ensure their charity does so.Charities whose income exceeded £10,000 in their last financial year have 10 months from the end of their financial year in which to submit an Annual Return. Those with an income over £25,000 also have to submit their accounts with their Annual Return.Since 2008 the Commission has displayed on its online Register of Charities a red flag on the records of charities which had outstanding documents. As the Commission points out, “the Register of Charities is visited by millions of users every year”.Dame Suzi Leather, Chair of the Charity Commission, said: “It’s not acceptable for charities to send their annual accounts and returns late – they are accountable not just to us but most importantly to their donors, to those whom they exist to help and to the wider public.“As well as being a requirement, charities run the risk of damaging their own reputations and putting off potential donors if their financial affairs are not in order”.www.charitycommission.gov.uk Howard Lake | 3 February 2010 | Newslast_img read more

Galaxy Clusters Reveal New Dark Matter Insights

first_img Business News Make a comment More Cool Stuff 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. Your email address will not be published. Required fields are marked * Community News Subscribe Herbeauty15 Countries Where Men Have Difficulties Finding A WifeHerbeautyHerbeautyHerbeautyKim To File For Divorce From Kanye West After 6 Years Of MarriageHerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeautyHerbeauty10 Brutally Honest Reasons Why You’re Still SingleHerbeautyHerbeautyHerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeautyHerbeautyA Mental Health Chatbot Which Helps People With DepressionHerbeautyHerbeauty Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Galaxy Clusters Reveal New Dark Matter InsightsDark matter is a mysterious cosmic phenomenon that accounts for 27 percent of all matter and energy. Though dark matter is all around us, we cannot see it or feel it. But scientists can infer the presence of dark matter by looking at how normal matter behaves around it.Galaxy clusters, which consist of thousands of galaxies, are important for exploring dark matter because they reside in a region where such matter is much denser than average. Scientists believe that the heavier a cluster is, the more dark matter it has in its environment. But new research suggests the connection is more complicated than that.“Galaxy clusters are like the large cities of our universe. In the same way that you can look at the lights of a city at night from a plane and infer its size, these clusters give us a sense of the distribution of the dark matter that we can’t see,” said Hironao Miyatake at NASA’s Jet Propulsion Laboratory, Pasadena.A new study in Physical Review Letters, led by Miyatake, suggests that the internal structure of a galaxy cluster is linked to the dark matter environment surrounding it. This is the first time that a property besides the mass of a cluster has been shown to be associated with surrounding dark matter.Researchers studied approximately 9,000 galaxy clusters from the Sloan Digital Sky Survey DR8 galaxy catalog, and divided them into two groups by their internal structures: one in which the individual galaxies within clusters were more spread out, and one in which they were closely packed together. The scientists used a technique called gravitational lensing — looking at how the gravity of clusters bends light from other objects — to confirm that both groups had similar masses.But when the researchers compared the two groups, they found an important difference in the distribution of galaxy clusters. Normally, galaxy clusters are separated from other clusters by 100 million light-years on average. But for the group of clusters with closely packed galaxies, there were fewer neighboring clusters at this distance than for the sparser clusters. In other words, the surrounding dark-matter environment determines how packed a cluster is with galaxies.“This difference is a result of the different dark-matter environments in which the groups of clusters formed. Our results indicate that the connection between a galaxy cluster and surrounding dark matter is not characterized solely by cluster mass, but also its formation history,” Miyatake said.Study co-author David Spergel, professor of astronomy at Princeton University in New Jersey, added, “Previous observational studies had shown that the cluster’s mass is the most important factor in determining its global properties. Our work has shown that ‘age matters’: Younger clusters live in different large-scale dark-matter environments than older clusters.”The results are in line with predictions from the leading theory about the origins of our universe. After an event called cosmic inflation, a period of less than a trillionth of a second after the big bang, there were small changes in the energy of space called quantum fluctuations. These changes then triggered a non-uniform distribution of matter. Scientists say the galaxy clusters we see today have resulted from fluctuations in the density of matter in the early universe.“The connection between the internal structure of galaxy clusters and the distribution of surrounding dark matter is a consequence of the nature of the initial density fluctuations established before the universe was even one second old,” Miyatake said.Researchers will continue to explore these connections.“Galaxy clusters are remarkable windows into the mysteries of the universe. By studying them, we can learn more about the evolution of large-scale structure of the universe, and its early history, as well as dark matter and dark energy,” Miyatake said. Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy center_img Name (required)  Mail (required) (not be published)  Website  EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Science and Technology Galaxy Clusters Reveal New Dark Matter Insights From STAFF REPORTS Published on Monday, January 25, 2016 | 11:28 am 0 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 Showtimes Top of the News First Heatwave Expected Next Week Community News Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadenalast_img read more

Housing Loans and “DREAMers”

first_img Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Housing Loans and “DREAMers” This week, Senate lawmakers introduced a bill intended to ensure beneficiaries of the Deferred Action for Childhood Arrivals (DACA) program are not denied federally-backed home loans. New Jersey Sen. Robert Menendez along with his team of lawmakers including Catherine Cortez Masto introduced the Homeownership for Dreamers Act to prevent agencies including the Federal Housing Administration (FHA), the United States Department of Agriculture (USDA) and Fannie Mae-Freddie Mac from refusing loans to “DREAMers,” The Nevada Independent reports.“For many young Nevadans, homeownership represents a crucial step in securing their financial futures. It’s unacceptable that this Administration continues to target the 13,000 Dreamers in Nevada, and thousands more nationally, by denying them housing loans simply because of their immigration status,” Cortez Masto said in a statement. “I’m proud to co-sponsor legislation that protects Dreamers’ eligibility to buy homes, invest in their futures and pursue the American dream.”Despite the push from these lawmakers, some note that non-U.S. citizens without lawful residency, including DACA recipients, are not eligible for FHA loans.“Accordingly, because DACA does not confer lawful status, DACA recipients remain ineligible for FHA loans,” said the Department of Housing and Urban Development (HUD) in a statement.Earlier this year, in a hearing before the House Committee on Appropriations Subcommittee on Transportation, and Housing and Urban Development, and Related Agencies, HUD Secretary Ben Carson was questioned by Rep. Pete Aguilar on if DACA recipients are eligible for FHA-backed loans.Aguilar asked Carson “To your knowledge, are DACA recipients eligible for FHA-backed loans, and has HUD made any changes to existing policy or interpretations?.”“No one was aware of any changes that had been made to the policy whatsoever. I’m sure we have plenty of DACA recipients who have FHA-backed loans,” Carson responded.Aguilar then asked Carson if HUD had changed any policy that was not yet in writing.”I have instructed everyone to follow the laws of the United States, with regard to DACA, with regard to anyone who is an immigrant or potential immigrant to this country,” Carson answered. “As long as you continue to follow the laws, you will have my approval.” About Author: Seth Welborn DACA FHA loans 2019-06-24 Seth Welborn Related Articles Tagged with: DACA FHA loans Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Housing Loans and “DREAMers” in Daily Dose, Featured, Government, Newscenter_img Previous: Affordability Increases on the West Coast Next: Wells Fargo Looks to Assist Those Impacted by Disasters Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily 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.  Print This Post The Best Markets For Residential Property Investors 2 days ago June 24, 2019 2,602 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago Share Save Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribelast_img read more

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