Forget gold and Bitcoin! Here’s how I’d invest £20k today to make a million

first_img Image source: Getty Images Peter Stephens | Saturday, 8th February, 2020 Forget gold and Bitcoin! Here’s how I’d invest £20k today to make a million 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. Enter Your Email Address 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” Our 6 ‘Best Buys Now’ Shares Simply click below to discover how you can take advantage of this. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. The popularity of gold and Bitcoin over recent months suggests investors are becoming increasingly optimistic about their prospects. In the first month of 2020, for example, gold gained 4% and the price of Bitcoin moved 25% higher. This follows successful 2019 calendar years for the two assets, as investors sought alternatives to stocks during what was a volatile 12 months for equities.Looking ahead, indexes such as the FTSE 100 could offer a superior risk/reward opportunity compared to Bitcoin and gold. Undervalued shares that have a solid track record of recovery may outpace the precious metal and virtual currency, and could improve your chances of making a million.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…Strong return potentialThe FTSE 100’s track record of delivering high single-digit annual returns over the long run may not sound all that impressive compared to the recent performances of gold and Bitcoin. However, the index currently appears to offer relatively sound growth prospects. Since around two thirds of its income is derived from non-UK markets, with many of its companies having exposure to emerging economies, the index’s growth rate could prove to be highly impressive.In addition, the FTSE 100 currently has a dividend yield of around 4.4%. This suggests it offers a wide margin of safety, since it’s above the index’s long-term average yield. As such, its growth rate could prove to be more impressive in future than it has been in the past for those investors who are willing to purchase stocks, while risks such as coronavirus and US political uncertainty weigh on wider market sentiment.Compound growthEven if the FTSE 100 delivers a similar return in future to its past, an investment of £20k could become worth over £1m within an investor’s lifetime. In fact, assuming a 9% annual total return, a £20k investment in the FTSE 100 could be worth seven figures after a period of 46 years. Although this is clearly an extended period of time, it serves to highlight the long-term potential of the FTSE 100 and the impact which compounding can have on your overall returns.Clearly, investing an initial amount of capital and then continuing to invest on a regular basis would reduce the amount of time it takes to obtain a £1m portfolio. As such, a surprisingly large ending portfolio value could be more attainable than many investors realise.Long-term approachWhile gold and Bitcoin may continue to be popular among investors in the short run, they’re unlikely to provide uninterrupted growth in the long run. Bitcoin, for example, faces regulatory risks and its limited size may mean it cannot fully replace traditional currencies. Gold, meanwhile, may struggle to gain ground as investor sentiment improves over the long run due to it being a defensive asset.Therefore, in the long run, the FTSE 100 could provide a relatively attractive means of generating high returns, and may be the best means through which to obtain a seven-figure portfolio. See all posts by Peter Stephens Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge!last_img read more

Microsoft announces first ‘Unlimited Potential’ grants to UK charities

first_img 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. Microsoft announces first ‘Unlimited Potential’ grants to UK charities Howard Lake | 4 February 2004 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis In the UK, Age Concern and Citizens Online are the first organisations to benefit from Unlimited Potential support. Through the Unlimited Potential grants, Microsoft seeks to work in conjunction with the voluntary, public and private sectors to provide opportunities for developing basic IT skills to disadvantaged people in the UK who currently are, or may feel, excluded from current provision. Further Unlimited Potential grants will be announced in the UK later in 2004. Karen Bergin, Head of Corporate Affairs at Microsoft, said: “Today’s Unlimited Potential grants mark the beginning of Microsoft’s journey to tackle the issue of increasing access and provision of IT skills in the UK. For us to realise this vision, it is vital that we partner with organisations who understand the nature of specific disadvantaged communities in the UK.” Microsoft has made Unlimited Potential grants to Age Concern and Citizens Online, totalling £177,500 in cash, together with additional software and curriculum donations.The grants are part of Microsoft’s global Unlimited Potential programme, an initiative focusing on providing technology skills for disadvantaged individuals through community-based technology and learning centres. Microsoft has committed to providing more than $1 billion in cash and software over the next five years for this programme. Advertisement  17 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThislast_img read more

Preparing for ‘the Interregnum’ — the election mess – a WW commentary

first_imgLabor Day protest for fair contracts, Sept. 7, Washington, DC.In researching this article, a cool-sounding word came up: “pettifoggery.”It means “given to quibbling over trifles.”The word was used in an article by Barton Gellman in the November Atlantic magazine, “The Election That Could Break America.”Gellman’s point is that it is a waste of time to quibble over whether the 45th president of the United States will leave office on Inauguration Day – Jan. 20, 2021. He makes an exceptionally sound case that, no matter what happens on Election Day – Nov. 3, 2020 – Donald Trump will not concede his position.Gellman writes that “two men could show up on the 20th to be sworn in. One of them would arrive with all the tools and power of the presidency already in hand.” No one has a crystal ball, but let’s face it, Gellman is probably right.Donald Trump’s hubris as well as his pathology absolutely will not allow him to leave easily or quietly. Every tweet, statement, decree – every action of Trump since the 2016 election – has demonstrated his fierce hunger for staying in power, in the limelight and reaping the bounty for him and his family that comes with the presidency.According to Gellman, Joe Biden and others have “misconceived the nature of the threat.” They say that if Trump refuses to leave the Oval Office, “the proper authorities will escort him from the White House with great dispatch.” Gellman argues that this hope is not enough.Gellman’s piece covers all kinds of articles that have been written, studies carried out and even conferences held among legal and social scholars about the 2020 election. Constitutional scholars especially have examined multiple scenarios that could play out between Nov. 3 and Jan. 20 – a period Gelman calls “the Interregnum.”That is the term for a period, especially between successive reigns or regimes, when normal government is suspended.A police coup?Gellman argues that even if there is seemingly a landslide vote on election night, the tabulation of mail-in votes, etc., could mean the final outcome is not determined for “days or weeks.”The transfer of power in January has not received this much attention in generations. Even the U.S. military has weighed in.On Sept. 25, in an article headlined “At Pentagon, fears grow that Trump will pull military into election unrest,” the New York Times reported: “Defense Department officials said top generals could resign if Mr. Trump orders the active duty military into the streets to quell protests.”  In remarks released last month, one general said, “I believe deeply in the principle of an apolitical U.S. military.”Trump might not need to worry about armed support, however. He may not have enough to carry out a military coup – but his relationship with the police of this country is solid.Trump has threatened on more than one occasion to mobilize “law enforcement” to poll watch on Election Day – an ominous threat, especially for Black and Brown people. Imagine the same agency that murders Black folks with impunity watching over their shoulder as they vote in Georgia or elsewhere.In addition, the Republicans, according to Gellman, are “recruiting 50,000 volunteers in 15 contested states to monitor polling places.”Think of that. The Republican Party watching over polls. This is the same party that in 2009 produced the Tea Party, the group of ultra-conservative zealots who eventually came in from the fringe to become what the Aug. 13 New York Times called an “enduring force” in U.S. conservatism.This is the same party, the Times noted, that is determined to consolidate and cater to an “older, whiter, more male, more rural, more conservative” base.And to worry more, the same Republican Party recruiting 50,000 “poll watchers” also just endorsed three candidates in California who support QAnon far right conspiracy theories! (Sacramento Bee, Sept. 28)The role of revolutionaries and socialistsSo, what do revolutionaries and socialists do – those who as Marxists understand that both parties represent the capitalist class, that the obscene donations from PACS and billionaires outweigh the influence of labor or any working-class interest group in a bourgeois election?If the Democrats really were for the working class, they would overturn anti-union legislation. They would support union drives and the call for a general strike against racism, as some bold labor activists have already done.They would move heaven and earth to make the oil companies pay for climate change. They would socialize healthcare. If Canada can do it, why not the U.S.?They could call for a strike in Congress and in the streets to demand COVID relief. They could demand that the police who killed George Floyd, Breonna Taylor and so many other victims pay for their crimes.If they truly represented the interests of the people, the Democrats in Congress would shut down Washington until the police were punished or COVID money released.But they do not. And they will not.If Wall Street controls the elections, Congress and the White House, what can those who live on Martin Luther King Street, Cesar Chavez or Main Street possibly do to influence the elections?Everything.‘The transfer of power to the people’Whatever happens in November, whoever wins the election, workers and oppressed people must organize and fight back. If ever there was a time for a movement for Worker Assemblies, this is it.CNN and Fox News may have all the cameras aimed at the White House in November, but if the pitchforked masses are in the streets striking for what we need, all those cameras will turn toward the people.To those scholars concerned about the defense of the Constitution during the Interregnum, we must ask where was the concern for the Constitution when George Floyd or Breonna Taylor lay dead?What about the constitutional, human and civil rights of the migrant women who have been forcibly sterilized?And what about all the essential workers who cannot work from home, those forced to risk exposure to COVID because neither the capitalist system nor the two capitalist parties represent them?And all the hungry, houseless, incarcerated, impoverished masses—who is fighting for their constitutional rights?Clearly, only the people can fight for themselves. That is the lesson of November.The only transfer of power the masses must be concerned with is the transfer of power to the people: humanity depends on it.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

What we’re reading: Asylum seekers to begin returning to US, CDC unveils school reopening roadmap

first_imgReddIt TCU students show off years of work at first virtual honors research forum Katherine Lester What we’re reading: Former Vice President dies at 93, Chad President killed on frontlines Previous articleHoroscope: February 12, 2021Next articleHoroscope: February 13, 2021 Katherine Lester RELATED ARTICLESMORE FROM AUTHOR Abortion access threatened as restrictive bills make their way through Texas Legislature FILE – In this Aug. 30, 2019, file photo, migrants, many of whom were returned to Mexico under the Trump administration’s “Remain in Mexico” policy, wait in line to get a meal in an encampment near the Gateway International Bridge in Matamoros, Mexio. The Biden administration on Friday, Feb. 12, 2021, announced plans for tens of thousands of asylum-seekers waiting in Mexico for their next immigration court hearings to be released in the United States while their cases proceed. (AP Photo/Veronica G. Cardenas, File) Katherine Lesterhttps://www.tcu360.com/author/katherine-lester/ Katherine Lesterhttps://www.tcu360.com/author/katherine-lester/ Twitter What we’re reading: Chauvin found guilty in Floyd case, Xi to attend Biden’s climate change summit What we’re reading: Rangers welcome full crowd, police chief testifies in Chauvin trial Linkedincenter_img + posts Facebook Twitter Katherine Lesterhttps://www.tcu360.com/author/katherine-lester/ Linkedin Katherine Lesterhttps://www.tcu360.com/author/katherine-lester/ Students debut performances of drag personas as part of unique new course printBiden administration to begin processing asylum seekers The Biden administration will allow 25,000 asylum seekers from Mexico into the country starting Feb. 19, the administration said on Friday.The migrants originally sought asylum under former President Donald Trump but were denied based on the former president’s “Remain in Mexico” policy, according to NBC News.Many asylum seekers have been forced to wait at the border in poor conditions before being allowed to make their case for asylum. Starting Feb. 19, about 600 per day will be allowed to live in the U.S.While immigrants await their court date in the United States, officials said they will be kept on “alternatives to detention.” 133 vehicles involved in deadly pileup Officials said that 133 vehicles were involved in the pileup crash early Thursday morning that left six dead, FOX 4 reports. Freezing rain and sleet fell overnight, causing slick conditions on roads across North Texas.“The scene we saw today is really, probably, unlike anything any of us have seen, and we pray to God we never see it again. Our hearts, our thoughts, our prayers go out to everyone negatively affected by this tragic incident,” Fort Worth Police Chief Neil Noakes said. First responders rescued people from their vehicles. Temperatures and the conditions only added to the challenges they faced.A driver caught in the wreckage spoke to FOX 4 and said, “Once you start getting hit, you just hope for the best at that point.”CDC releases roadmap for schools to reopen safelyFILE – In this Feb. 2, 2021, file photo, students wear masks as they work in a fourth-grade classroom, at Elk Ridge Elementary School in Buckley, Wash. Amid mounting tensions about school reopening, the Centers for Disease Control and Prevention planned to release long-awaited guidance Friday, Feb. 12, 2021, on what measures are needed to get children back into the classroom during the pandemic. (AP Photo/Ted S. Warren, File)The CDC provided a roadmap for how to safely reopen schools during the pandemic, according to ABC News. The long-awaited guidelines say vaccination of teachers is important but not mandatory for reopening.Other precautions the update emphasized were mask wearing, social distancing and contact tracing. The update comes after President Joe Biden promised to reopen the majority of schools by the end of his first 100 days in office. While many agree in-person learning is more effective for young students, some teachers unions say the schools have not offered enough protections.Democrats argue over whether to move on from Trump or seek other punishment after impeachment trialCongressional Democrats are debating whether to look into punishing former president Donald Trump via censure after the Senate likely acquits him in his second impeachment trial, according to CNN. Punishing Trump via censure could receive more support from congressional Republicans attempting to distance themselves politically from the former president.Other Democrats suggested a well-structured censure resolution could also ban Trump from running for office again under the 14th Amendment.In this image from video, House impeachment manager Rep. Eric Swalwell, D-Calif., speaks during the second impeachment trial of former President Donald Trump in the Senate at the U.S. Capitol in Washington, Wednesday, Feb. 10, 2021. (Senate Television via AP) ReddIt Facebook Abortion access threatened as restrictive bills make their way through Texas Legislature last_img read more

Reducing Stress Through Meditation with Doug Frankel at Crowell Library

first_imgHerbeauty15 Beauty Secrets Only Indian Women KnowHerbeautyHerbeautyHerbeauty7 Things A Man Will Do Only If He Really Loves YouHerbeautyHerbeautyHerbeautyYou Can’t Go Past Our Healthy Quick RecipesHerbeautyHerbeautyHerbeautyBohemian Summer: How To Wear The Boho Trend RightHerbeautyHerbeautyHerbeauty12 Most Breathtaking Trends In Fashion HistoryHerbeautyHerbeautyHerbeautyA Dark Side Of Beauty Salons Not Many People Know AboutHerbeautyHerbeauty Your email address will not be published. Required fields are marked * More Cool Stuff faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Events Previews Reducing Stress Through Meditation with Doug Frankel at Crowell Library STAFF REPORT Published on Thursday, March 5, 2020 | 8:37 pm Subscribe Top of the News Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Community News 38 recommendedShareShareTweetSharePin it Community Newscenter_img Name (required)  Mail (required) (not be published)  Website  Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday 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. Make a comment Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Business News Long-time meditator Doug Frankel will discuss the extraordinary effect of meditation in reducing stress when he comes to Crowell Library on Saturday, April 4th at 11:00 a.m. Participants will learn how to improve concentration and enhance clarity of thought and mental equilibrium. Doug will present a simple, time-tested and effective meditation technique. There will be a short meditation sitting as well. Meditation can bring about a sense of calm and balance that benefits both emotional and physical well-being, which in turn will impact overall health and reduce stress. It is easy to learn and can have many lasting and beneficial effects. And the benefits don’t end when the session ends.According to the Mayo Clinic* spending even a few minutes in meditation can restore calm and inner peace. Anyone can practice meditation. It’s simple and inexpensive, and it doesn’t require any special equipment. One can practice meditation anywhere — out for a walk, riding the bus, waiting at the doctor’s office or even in the middle of a difficult business meeting. People have been practicing meditation for centuries and today there has been a surge in its popularity as new benefits continue to be discovered. Incorporating meditation into one’s life has many positive effects. Now more than ever in today’s modern world with all the stresses, meditation is needed. Learn a simple meditation technique that can help you in all aspects of your life.Douglas Frankel is the founder and president of an innovative marketing and media company and has been in the broadcast business for over 25 years. He became interested in meditation while attending UCLA, and began studying meditation over 30 years ago. He has given a plethora of workshops on this topic all over the country.This promises to be an engaging and lively lecture so mark your calendar for Saturday April 4th and come to Crowell Public Library.*Retrieved 3/5/2020 from https://www.mayoclinic.org/tests-procedures/meditation/in-depth/meditation/art-20045858?p=1Crowell Public Library, 1890 Huntington Drive, San Marino, (626) 300-0777, or visit www.CrowellPublicLibrary.org, or their Facebook and Twitter pages. First Heatwave Expected Next Week last_img read more

COVID-Canceled Caltech PreFrosh Experience Had Led to New Opportunities for Innovation, Outreach

first_imgEducation COVID-Canceled Caltech PreFrosh Experience Had Led to New Opportunities for Innovation, Outreach At a time when newly admitted students cannot come to Caltech, Caltech is doing its best to come to them. Published on Wednesday, April 15, 2020 | 5:10 pm More Cool Stuff 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. Subscribe 53 recommended0 commentsShareShareTweetSharePin it Your email address will not be published. Required fields are marked * 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 HerbeautyWhat’s Your Zodiac Flower Sign?HerbeautyHerbeautyHerbeauty10 Sea Salt Scrubs You Can Make YourselfHerbeautyHerbeautyHerbeautyThe Real Truth About The Pain Caused By MicrobladingHerbeautyHerbeautyHerbeautyShort On Time? 10-Minute Workouts Are Just What You NeedHerbeautyHerbeautyHerbeautyWant To Seriously Cut On Sugar? You Need To Know A Few TricksHerbeautyHerbeautyHerbeautyYou Can’t Go Past Our Healthy Quick RecipesHerbeautyHerbeauty First Heatwave Expected Next Week center_img Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Community News Business News Top of the News Make a comment faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,PCC – EducationVirtual Schools PasadenaDarrell Done EducationHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Nobel laureate Frances Arnold, the Linus Pauling Professor of Chemical Engineering, Bioengineering and Biochemistry, discusses her career during a video chat with more than 175 prospective students. Credit: CaltechBefore the COVID-19 pandemic, April 20-22 was meant to be Caltech’s Prefrosh Experience, the signature event of the Institute’s admissions season, during which some 250 admitted students and their families would have come to campus for three days of activities, including tours and classroom visits.“We would put a lot of effort into those three days,” says Nikki Chun, Caltech’s director of undergraduate admissions, “because we know that an in-person campus experience is a significant influence on whether or not a student chooses Caltech for the fall.”COVID-19 changed all that, says Chun, but it also opened up new opportunities for innovation and outreach. Instead of a short campus visit, this year’s Prefrosh Experience offers ongoing video chat rooms to connect current students and their prefrosh peers as well as chances to participate in group Zoom meetings with faculty members.“Even though we’ve had to find different ways to organize the experience, the objective has remained the same: to showcase to prefrosh and their family members all that Caltech has to offer so they can make an informed decision.”On April 10, more than 175 prospective students logged into an informal hour-long Q&A with Nobel laureate Frances Arnold, the Linus Pauling Professor of Chemical Engineering, Bioengineering and Biochemistry.Dressed casually in a blue “Arnold Lab” T-shirt, Arnold fielded questions about her work, her career, women in science, and about the Institute itself.“Caltech is highly interactive. It’s very small so you can get to know a lot of people here, and we respect each other. And that includes the students,” Arnold told the prefrosh videoconference participants. “You can just go and knock on someone’s door and sit down and talk to them. This is much, much harder to do at a great big school.”She added, “If you love science, Caltech is heaven. It really is heaven. It’s a lot of work, but anything great is worth working for.”Karla Arriaga, assistant director of admissions, says other outreach efforts include Facebook groups and Discord chats to link prospective students with current students in an informal and collegial atmosphere. Faculty in each division have also been hosting 45-minute group video chats to discuss their disciplines and the various options available. While high-tech methods of outreach can be effective, admissions staff tailor their communications to what works best for prefrosh and their families, sometimes reaching out via phone calls, or, occasionally, letters.So far, she says, the virtual offerings are “working better than we hoped. The size of our admitted student population gives our office the advantage to personalize each and every one of our interactions with prefrosh, from our admitted student portal to individual Zoom meetings. We have found that students have been highly engaged in participating in virtual events and have begun creating online communities using different social media platforms.”Chun adds, “While we do wish we could do all of this in person, even online it’s easy to convey the beauty of our community and how natural it is. Whether in person or at a distance, it’s palpable.” Name (required)  Mail (required) (not be published)  Website last_img read more

Fannie Mae’s Mortgage Portfolio Expands Again While Delinquency Rate Drops To 1.78 Percent

first_img Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Related Articles Sign up for DS News Daily in Daily Dose, Featured, News, Secondary Market Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Fannie Mae Gross Mortgage Portfolio Monthly Volume Summary Serious Delinquency Rate 2015-04-30 Brian Honea Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Fannie Mae Gross Mortgage Portfolio Monthly Volume Summary Serious Delinquency Rate April 30, 2015 1,209 Views  Print This Post Fannie Mae’s gross mortgage portfolio has now expanded in two of the last three months following an increase at a compound annualized rate of 7.8 percent in March, according to Fannie Mae’s March 2015 Monthly Volume Summary released Thursday.The GSE’s Book of Business also expanded in March, increasing at a compound annualized rate of 0.4 percent for the month.The expansion of the gross mortgage portfolio was a rare one for Fannie Mae, having occurred only three times in the last 57 months dating back to June 2010, when the portfolio’s value was $818 billion. The March expansion left the portfolio valued at approximately $411.7 billion. March marked the second time in the previous three months it has happened, however; it increased at a compound annualized rate of 3.5 percent in January. The only time the portfolio has expanded in the last 57 months was in December 2012. The portfolio contracted at a compound annualized rate of 14.5 percent in February.The value of Fannie Mae’s Book of Business was $3.1225 trillion following the March expansion. The Book of Business, which includes the gross mortgage portfolio plus the total Fannie Mae mortgage-backed securities and other guarantees less the Fannie Mae mortgage-backed securities in the portfolio, expanded for the first time in four months following three consecutive months of contraction.The total value of Fannie Mae’s mortgage-backed securities and other guarantees for March was $2.8098 trillion, an increase from February’s level of $2.8057 trillion. The end balance of mortgage-backed securities in the portfolio as of March 31, 2015, was $98.999 billion, up from $93.424 billion in February.The single-family serious delinquency rate for Fannie Mae in March fell another five basis points down to 1.78 percent, its lowest point since before the recession. The single-family serious delinquency rate has declined every quarter since Q1 2010 for Fannie Mae.Also according to March’s monthly volume summary, Fannie Mae completed 9,482 loan modifications in March, an increase from the 8,472 loan mods completed in February. Fannie Mae has completed 26,700 loan mods for the first three months of 2015, an average of 8,900 per month. For the full year of 2014, Fannie Mae completed 122,823 loan mods, a monthly average of 10,235. Fannie Mae’s Mortgage Portfolio Expands Again While Delinquency Rate Drops To 1.78 Percent Demand Propels Home Prices Upward 2 days agocenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: DS News Webcast: Friday 5/1/2015 Next: Counsel’s Corner: Maintaining a Balance to Compete Favorably While Volume Decreases The Week Ahead: Nearing the Forbearance Exit 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Fannie Mae’s Mortgage Portfolio Expands Again While Delinquency Rate Drops To 1.78 Percent Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Share Save About Author: Brian Honea Subscribelast_img read more

‘Nobody Can Directly Or Indirectly Approach The Court Or Influence It’: Gujarat HC Orders Probe Into Anonymous Calls Received By HC Judge [Read Order]

first_imgNews Updates’Nobody Can Directly Or Indirectly Approach The Court Or Influence It’: Gujarat HC Orders Probe Into Anonymous Calls Received By HC Judge [Read Order] LIVELAW NEWS NETWORK23 Jun 2020 7:48 AMShare This – xThe Gujarat High Court has ordered police inquiry into an unprecedented incident whereby a High Court Judge received certain phone calls and SMS from an unknown number, in connection to an anticipatory bail application listed before her. Justice Bela M Trivedi has ordered the Superintendent of Police to get the statements of two individuals who were identified in connection to the…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe Gujarat High Court has ordered police inquiry into an unprecedented incident whereby a High Court Judge received certain phone calls and SMS from an unknown number, in connection to an anticipatory bail application listed before her. Justice Bela M Trivedi has ordered the Superintendent of Police to get the statements of two individuals who were identified in connection to the phone call, during a preliminary inquiry held by the Registrar (IT). The incident occurred on June 22, on the date of listing of the anticipatory bail application in question. As per the details recorded by the Judge in her order, at about 8.55 am on the said day, she received a call from an unknown number and the person calling identified himself as Niranjan Patel, MLA, Petlad. On being inquired as to why he had made the call, he said that there was one Criminal case listed today. Justice Trivedi states that at this point she immediately stopped the caller and told him that he could not have called a Judge like this, and disconnected the phone. Thereafter, the said person made three calls one after the other, which she chose not to answer. This however prompted the caller to send a message at about 9 am, stating that the Criminal Case No.8266 of 2020 Vijaybhai Arvindbhai is fixed that day. ‘Disturbed and furious’ from the incident, the Judge requested the Registrar (IT) of High Court to make an inquiry via-a-vis the owner of the said mobile number, who informed her that on Truecaller, it appears that the number belongs to one “Tosif Faiz Xerox”. Noting that “nobody can directly or indirectly try to approach the Court or to influence the Court, in a way try to pollute the stream of justice,” the court ordered further inquiry into the matter. During the course of hearing today it was informed that as per the CDR, the number is registered in the name of Tofikbhai Vhora, son of Salimbhai Vhora. The court has expressed its inclination to initiate contempt proceedings against the said caller. “It is needless to say that any person doing any act whatsoever which prejudices or interferes or tends to inferfere with, due course of any judicial proceeding or interferes or tends to interfere with the administration of justice in any manner, would be said to have committed a “criminal contempt” within the meaning of Section 2(c) of the Contempt of Courts Act.” However, before forming any prima facie opinion in that regard, the Court has observed that “it would be necessary to ascertain as to who in fact was in custody of the mobile number during the said hours and as to who in fact had made the call and sent the messages in question.” Hence, a probe has been ordered. “The Superintendent of Police, District Anand is directed to get the statements of Mr. Niranjan Patel, M.L.A., Petlad and of Mr. Tofikbhai Vhora, whose address is mentioned hereinabove, recorded through the concerned Dy.S.P. and submit the same to the Court by tomorrow,” the order states. It is worthwhile to note that the Court had inquired from the pre-arrest bail applicant regarding the identity of both MLA Niranjan Patel and Tofikbhai Vhora. While the Petitioner claimed that he did not know any Tofikbhai Vhora, he also claimed that Niranjan Patel was “very much interested” to see that the Petitioner is arrested, and he had also approached the Deputy Superintendent of Police for the same. Though the court has accepted these submissions as of now and has ordered a probe, it also cautioned that “the matter shall be viewed very seriously if the concerned persons do not state the correct facts in their respective statements.” The matter will now be taken up for hearing tomorrow. Click Here To Download Order Dated June 22 Click Here To Download Order Dated June 23 Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Storylast_img read more

3 dead, including middle school student, in Oklahoma bus crash

first_imgKOCO(BOWLEGS, Oklahoma) — At least three people are dead, including one child, after a school bus carrying a middle school softball team collided with another vehicle in Oklahoma.The accident happened late Friday near Bowlegs, Oklahoma, on Highway 99 in Seminole County, about an hour southeast of Oklahoma City, according to ABC affiliate KOCO.Two adults died in the SUV, according to the Oklahoma Highway Patrol. One child died on the bus. The female student who died was from Konawa Junior High School, according to the state highway patrol. Her name and age have not been released.“It is absolutely devastating for our community and especially the family,” Konawa High School principal Karis Reavis said. “They had played Okemah [a town one hour northeast of Konowa] and were returning to Konowa.” Konawa is 20 minutes south of Bowlegs, where the accident took place.Six other people were injured in the crash, all on the bus, according to authorities. Among those injured was bus driver Joseph Scoggins, 30, who was treated for head, arm and leg injuries and released.Five female students were also treated for minor injuries and released. The bus was traveling southbound at just after 7:15 p.m. when the SUV had pulled into the southbound lane to pass another car and the two vehicles slammed into each other head on, according to a preliminary investigation by the Oklahoma Highway PatrolThe Seminole Police Department shared on Facebook at about 9:20 p.m. local time that the highway was closed due to the fatal accident: “You WILL NOT be able to get through in either direction, or get close to the collision. Please pray for the families of this tragic situation.” Copyright © 2019, ABC Radio. All rights reserved.last_img read more

Sleep and circadian phase in a ship’s crew

first_imgNumerous factors influence the increased health risks of seamen. This study investigated sleep (by actigraphy) and the adaptation of the internal clock in watch-keeping crew compared to day workers, as possible contributory factors. Fourteen watch keepers, 4 h on, 8 h off (0800-1200/2000-2400 h, 1200-1600/2400-0400 h, 1600-2000/0400-0800 h) (fixed schedule, n = 6; rotating by delay weekly, n = 8), and 12 day workers participated during a voyage from the United Kingdom to Antarctica. They kept daily sleep diaries and wore wrist monitors for continuous recording of activity. Sleep parameters were derived from activity using the manufacturer’s software and analyzed by repeated-measures ANOVA using SAS 8.2. Sequential urine samples were collected for 48 h weekly for 6-sulphatoxymelatonin measurement as an index of circadian rhythm timing. Individuals working watches of 1200-1600/2400-0400 h and 1600-2000/0400-0800 h had 2 sleeps daily, analyzed separately as main sleep (longest) and 2nd sleep. Main sleep duration was shorter in watch keepers than in day workers (p < 0.0001). Objective sleep quality was significantly compromised in rotaters compared to both day workers and fixed watch keepers, the most striking comparisons being sleep efficiency (percentage desired sleep time spent sleeping) main sleep (p < 0.0001) and sleep fragmentation (an index of restlessness) main sleep (p < 0.0001). The 2nd sleep was substantially less efficient than was the main sleep (p < 0.0001) for all watch keepers. There were few significant differences in sleep between the different watches in rotating watch keepers. Circadian timing remained constant in day workers. Timing of the 6-sulphatoxymelatonin rhythm was later for the watch of 1200-1600/2400-0400 h than for all others (1200-1600/2400-0400 h, 5.90 ± 0.85 h; 1600-2000/0400-0800 h, 1.5 ± 0.64 h; 0800-1200/ 2000-2400 h, 2.72 ± 0.76 h; days, 2.09 ± 0.68 h [decimal hours, mean ± SEM]: ANOVA, p < 0.01). This study identifies weekly changes in watch time as a cause of poor sleep in watch keepers. The most likely mechanism is the inability of the internal clock to adapt rapidly to abrupt changes in schedule.last_img read more