I was right about Diageo shares in April. Here’s what I’m doing now

first_imgI was right about Diageo shares in April. Here’s what I’m doing now Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Image source: Getty Images. Roland Head has no position in any of the shares mentioned. The Motley Fool UK has recommended Diageo. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. 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. See all posts by Roland Head Enter Your Email Address Simply click below to discover how you can take advantage of this.center_img Our 6 ‘Best Buys Now’ Shares 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. 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. Roland Head | Saturday, 7th November, 2020 | More on: DGE “This Stock Could Be Like Buying Amazon in 1997” High quality defensive stocks selling branded consumer goods have (mostly) outperformed the market this year. Not so drinks group Diageo (LSE: DGE), whose share price is down by 15% so far in 2020.Back in April, I said I thought Diageo was “an excellent business with great prospects,” but I couldn’t get comfortable with the valuation. In the six months since then, Diageo shares have lagged the FTSE 100 and fallen slightly lower. Has my view changed?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…Do I need to be worried?Of course, there are good reasons why its shares have underperformed. The widespread closure of bars and restaurants all over the world has hit sales, despite a rise in at-home drinking.The loss of travel sales from duty-free shops has also caused a problem. Although there are signs of improvement, the company says it thinks, over time, hospitality and travel sales will recover.What worries me more is that growth might be slowing in emerging markets. Diageo’s latest results included a £1.3bn impairment charge relating to operations in India, Nigeria, Ethiopia, and Korea. This (non-cash) charge means management believes growth rates and business disposal values in these markets are likely to be lower than previously expected.Sales might bounce back post-Covid, but I think any slowdown in emerging market growth could be a serious concern. These less mature markets have long been a key part of the group’s growth story.Still one of the bestDon’t get me wrong. I still think Diageo is a great business with a good long-term future. The group’s portfolio of brands — including Johnnie Walker, Tanqueray and Guinness — is unique and I believe it’ll have enduring appeal for generations to come.If I held the stock I wouldn’t sell and, if I bought today, I’d expect positive returns over time. But I prefer to buy at fair value or, preferably, when they’re cheap, and Diageo’s valuation metrics just don’t say that to me.Diageo share price: still too high?This is a stock I’d like to own, but I still can’t get comfortable with the share price. There are a couple of reasons for this. Although Diageo stock is down by 25% from the all-time high of £36 seen in September 2019, the business still trades on 24 times 2020/21 forecast earnings, with a dividend yield of just 2.6%.I might be happy with that if the group’s debt levels hadn’t risen so much in recent years. Diageo’s net debt rose from £12.1bn to £14bn last year, leaving the group with a net debt/EBITDA leverage multiple of 3.3x. That’s well above my preferred maximum of 2.0x-2.5x.At the end of September, chief executive Ivan Menezes warned that the pace of recovery in emerging markets is expected to be “gradual.” Menezes said that both sales profit margins are expected to fall this year. That could mean another year of weak profits before any recovery begins.The combination of slowing growth, rising leverage, and a high equity valuation makes me cautious. Although I’d like to own Diageo shares, I’m going to stay on the sidelines for now.last_img read more

2 top FTSE 100 ethical stocks

first_img2 top FTSE 100 ethical stocks Image source: Getty Images 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” Jamie Adams | Thursday, 6th May, 2021 | More on: CCH GSK Simply click below to discover how you can take advantage of this. 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.center_img Our 6 ‘Best Buys Now’ Shares Jamie Adams holds no position in stocks mentioned above. The Motley Fool UK has recommended GlaxoSmithKline. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. The world of investing has never been more ethically conscious, and stocks in the FTSE 100 are not immune to this sentiment. Environmental, social, and governance (ESG) ratings are all the rage right now. Not only do they consider how ‘green’ a company is, but also how it deals with social issues, such as equality and human rights, as well as its own management practices. With that in mind, I’m looking into two top ESG plays for me, Coca-Cola HBC (LSE: CCH) and GlaxoSmithKline (LSE: GSK). 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…Coca-Cola HBCThis Switzerland-based bottler of the Coca-Cola product and its ESG rating have me asking myself if I should invest. It has consistently ranked at the top of the FTSE4GOOD Index series since its inception in 2000. This is due to its advancements in working with recycled materials. By 2025 it plans to be using 50% recycled PET (the type of plastic it uses for packaging) in its European operations and 30% across the company as a whole.Due to the pandemic, sales fell 12.7% to €6.1bn in 2020, but things are looking up. As vaccinations continue across the world, I’m growing more bullish on the stock and its recovery. In a recent statement, the company said: “We expect to see a strong FX-neutral revenue recovery in 2021”. This has led analysts to provide expectations of revenue growth of 8.3% and 6.7% for FY21 and FY22, respectively.There is still the risk of renewed Covid-19 cases though, which would throw a spanner in the works of any recovery. Considering the rapidly growing infection rates across major European countries, it’s very possible that business could take another hit. The Coca-Cola HBC price is currently 2,488p, up 27% in the past year from a price of 1,952p, and giving it a price-to-earnings ratio of 25. Should the current speed of economic reopening continue, I will be more confident to invest in Coca-Cola HBC as the risk of re-closure reduces.GlaxoSmithKlineAs far as ethical investing goes, you probably weren’t thinking of one of the FTSE 100’s top pharma stocks. However, GlaxoSmithKline has proven to be an ESG leader thanks to its work in providing access to medicine. The pharma giant, whom activist firm Elliot Management recently took a large stake in, is ranked highest in the Access to Medicine Index. This index measures Big Pharma’s efforts to make its products available to more vulnerable populations. What’s more, this top British firm has promised to have a net-zero environmental impact by 2030. And although GlaxoSmithKline missed out on 2020’s pharma rally, I believe it could be on the up. New pharmaceutical sales rose 12% to £2.5bn in Q3, accounting for 30% of all revenue. It also remained very profitable, with an operating margin of 22%. It is the sixth-largest pharma company in the world with a strong brand and dedicated workforce.Unfortunately, its planned corporate restructuring and dividend reduction could spell volatility for its share price. By reducing its dividend for the first time in 15 years and welcoming a heavy-hitter such as Elliot Management on board, it could be too much, too fast. GlaxoSmithKline is currently priced at 1,333p, down 20% in the past year from a price of 1,668p, and giving it a P/E ratio of 13. As it is still well off its all-time highs, I would be interested in it as a long-term dividend payer.  Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. See all posts by Jamie Adamslast_img read more

RFU Cuts Championship Funding

first_imgI despair that as a sport we keep tinkering when what’s needed is a package of interrelated changes which reinforce each other eg.a closed Prem & Div 1,max squad size in Prem, abolition of Prem Cup & Shield & A League, fewer games,lower salary cap, subsidised Div 1, feeder teams.— Mark Evans (@evans_marke) February 12, 2020Yes, clubs aren’t sustainable at present – but then the vast majority of Premiership clubs don’t turn a profit. I’d scrap the Premiership Cup and/or A league, and put the money into the Championship for developing players.Of course, those competitions aren’t directly funded by the RFU but by Premiership Rugby – and therein lies the biggest problem in English rugby. The RFU doesn’t actually control all of English rugby. LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS The governing body has been heavily criticised for its decision to slash funding to the second tier Scrum time: Jersey Reds pack down against Newcastle Falcons (Getty Images)Jersey Reds player Charlie Beckett wrote in his Talking Rugby Union column: “A number of Championship clubs will now be forced to go to a semi-pro and part-time basis and this, I feel, is incredibly detrimental for all rugby in England.“Without this funding I don’t see how the Championship remains a professional league and this obviously minimises the opportunities for people working in professional rugby in England. Without a competitive second tier of professional rugby for young players to play in and learn their trade, where is the next generation of England players going to come from?“On the financial side, I struggle to understand how the RFU can justify these drastic cuts to the Championship budget while paying their international players north of £20,000 a game for playing for England. I completely appreciate the work the players put in and the sacrifices they make and I absolutely believe they should be paid, and paid well for this.“However, when the match fees of one England squad, on one match day, costs the RFU more money than supporting an entire Championship club for an entire year, it seems something is wrong.”Cornish Pirates, Coventry and Ealing Trailfinders had already been working on a blueprint to make the league more viable. They’ve said they’ll now look at alternative sources of funding to make the competition a success, raising the possibility of forming a breakaway league.League of their own? The crowd watch Cornish Pirates v Yorkshire Carnegie at Mennaye Field (Getty)Many have suggested this reduction in funding is the first step towards ring-fencing the Gallagher Premiership. Saracens will play in the Championship next season but are widely expected to be promoted back to the top flight in 2021-22, with the possibility of a closed 13-team league heavily mooted.Rugby World Comment: Editor Sarah MockfordRW writer Alan Pearey summed up this news succinctly when saying this was “another boot in the groin for Championship clubs”.I think it’s fair to say the league isn’t working as it is – small crowds, few sponsors, clubs losing money and so on – but it has still been a proving ground for many players now starring both in the Premiership and for England.Surely the RFU should be looking at ways to improve the league, to make it attractive to broadcasters and sponsors, rather than appearing to wash their hands of it. RFU Cuts Championship FundingThe RFU’s decision to cut funding to the Greene King IPA Championship has been heavily criticised.The press release from English rugby’s governing body stated that “the RFU will continue to provide financial support” to the Championship next season, but that central funding will be reduced from £480,000 to £288,000 for 2020-21.RFU chief executive Bill Sweeney said the reason for the 40% cut was the failure of the clubs to meet specific targets set in 2015. The Times reported the five areas as:Make steps towards becoming a financially viable league, given the average annual club loss is £260,000.Develop a league where more clubs have an ambition of winning promotion.Increase the number of English-qualified players.Develop future England coaches and referees.Develop a community programme to grow the game in the club’s region.Championship clubs have criticised the RFU’s decision, as have players and coaches. Can’t see how cutting the funding for @Champrugby is going to help anyone. Terrible decision that will have even worse consequences. So many @premrugby players have come through the Championship!— Guy Thompson (@GuyThompson87) February 12, 2020 Very misleading headline! Gutted for @Champrugby ,provides so much opportunity for players and coaches. 50% cuts almost certainly means the beginning of the end, more players and coaches to slip through the net. Very strange and poor decision. https://t.co/6brsPtmCc6— Tom Cruse (@cruse_dog2) February 12, 2020A joint statement by Cornish Pirates and Coventry read: “Collectively we’re very disappointed with many aspects of the RFU’s decision to drastically cut the funding of the Championship clubs, which could very well have a devastating impact on some of our fellow clubs, putting livelihoods and careers at risk, and which could also put some clubs out of business.“The Championship is an RFU tournament, meaning that the clubs do not control the league’s sponsorship rights; these are held by Twickenham. But over the last few years we have received no Championship-specific sponsorship funding, no Championship-specific TV broadcast deal, or any promotion by Twickenham of the community work which is being done by our clubs, such as wheelchair rugby, suicide prevention, and helping older people with dementia, and could also suffer as a result of these cuts.“For the RFU to then use their own failure to deliver on these as a justification for unilaterally decimating the Championship is nothing short of outrageous.”Line of duty: Jay Tyack scores a try for Cornish Pirates (Getty Images)The timing of the announcement has also proved problematic, with clubs already recruiting for the next campaign and no news on the funding situation beyond 2021. Jersey Reds chairman Mark Morgan said: “Championship clubs have been trying for months to get clarity around funding. To be presented with this fait accompli when teams are already hiring for next season is immoral and irresponsible.“There has been zero consultation, engagement, nor explanation before the announcement and no vision for the future of the Championship was provided. With Bill Sweeney’s heralded business background, this is astonishingly poor execution.“The position the RFU has taken is disrespectful to the great work being done by Championship clubs and the army of volunteers that are involved at all levels who work to deliver a quality product and developmental opportunities for players and coaches alike.“The lack of any indication about funding beyond the end of the 2020-21 season is a glaring omission and can only be aimed at creating further uncertainty.” Budget cut: The RFU is reducing funding for the Championship next season (Getty Images) The March issue of Rugby World magazine – a Six Nations special – is on sale now.Follow Rugby World on Facebook, Instagram and Twitter.last_img read more

A pilgrimage on behalf of Central American migrants

first_img 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 Curate (Associate & Priest-in-Charge) Traverse City, MI AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Rector Knoxville, TN Rector Bath, NC Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Rector (FT or PT) Indian River, MI Rector Pittsburgh, PA Featured Events Youth Minister Lorton, VA This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Refugees Migration & Resettlement Rector Shreveport, LA Rector Washington, DC Tags Rector Tampa, FL Associate Rector Columbus, GA Rector Hopkinsville, KY Submit a Job Listing Rector Collierville, TN New Berrigan Book With Episcopal Roots Cascade Books Assistant/Associate Rector Morristown, NJ An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Assistant/Associate Rector Washington, DC Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Rector Smithfield, NC Submit a Press Release Bishop Diocesan Springfield, IL Rector Albany, NY Director of Administration & Finance Atlanta, GA Associate Rector for Family Ministries Anchorage, AK 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 Course Director Jerusalem, Israel Director of Music Morristown, NJ Submit an Event Listing Featured Jobs & Calls Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Associate Priest for Pastoral Care New York, NY Press Release Service Cathedral Dean Boise, ID 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 By Clara Villatoro Posted Jun 14, 2016 The pilgrims marching in Guatemala City.[Episcopal News Service] “Migration isn’t a crime, it’s a human right,” said Bishop of El Salvador David Alvarado. He and 18 others participated in the so-called “Msgr. Romero Pilgrimage, the Migrant’s Passage” that followed the route undocumented migrants take from Central America to the United States.Members of the Episcopal Church of El Salvador, together with an ecumenical group, traveled the route taken by undocumented immigrants in order to promote human rights.The initiative came out of the Romerist Intersectoral Council of El Salvador (Consejo Romerista Intersectorial de El Salvador—CRIES), an ecumenical group united by the witness of Oscar Romero, the Roman Catholic archbishop assassinated in 1980 after his constant denunciations of social injustice during the Salvadoran civil war.The Vatican beatified Romero on May 23, 2015, and CRIES organized the pilgrimage to commemorate the first anniversary of his beatification. The group traveled with relics of the Blessed Romero given by the Roman Catholic Church, which had previously been displayed throughout parishes in El Salvador.“The idea has been to highlight Romero’s message, to keep his legacy of justice and truth strong […] We link the celebration to migration because it is a reality in our country and there are many violations of the rights of migrants, at times committed by the authorities themselves,” explained José López, a spokesperson for CRIES.The group began its journey from El Salvador on May 28 and crossed Guatemala and Mexico, entering the United States through the California border near San Diego on June 9. They visited several shelters and had ecumenical celebrations in different cities along the way, said López.For Alvarado one of the most powerful experiences was in the Migrants House shelter, “Las patronas” in Veracruz, Mexico. “With them [the pilgrims] we saw people boarding ‘the Beast’ [the Mexican train migrants us], we brought food and water there and heard some very raw testimonies.  What our migrant brothers [and sisters] went through made a big impression on us. It’s admirable how they are welcomed in the shelters.”The United States Border Patrol classifies two or more relatives traveling together as a “family.” According to its statistics, around three Salvadoran families enter the United States illegally every hour. Between October 2015 and April 2016, the U.S. government reported the arrest of 13,392 Salvadoran families on the Mexican border. Added to them there were 11,009 Guatemalan and 9,422 Honduran families in the same time period.“Traveling [undocumented] to the United States is dangerous; we have seen it. We know that our people do it because of necessity, violence or lack of work. We want to arrive in Los Angeles and tell the government [of the U.S.] that migrants have rights,” said Alvarado during a telephone interview while on the journey. Activities in the United StatesThe pilgrims posed for a photo at the U.S.-Mexico border.After crossing the border, the pilgrimage joined a group of parishioners headed by San Diego Bishop James Mathes and held an ecumenical service at the border fence on June 10 before heading north to the Diocese of Los Angeles.“We want to speak honestly about what it means to us, as Christians, to follow the example of Msgr. Romero. Especially these days, with so many acts of violence against immigrants, it’s extremely important […] not to remain silent and to work for justice for every human being,” said the Rev. Nancy Frausto, priest-in-charge at Trinity Church in Los Angeles.The idea for the pilgrimage came from the Diocese of Los Angeles, where there is a large Latino community with many Salvadorans among them, said Alvarado, adding that both the dioceses of San Diego and Los Angeles supported the pilgrimage.Frausto said Romero’s call to work for justice is still alive and that the group’s pilgrimage carrying Romero’s image means a lot to the faithful.“Just knowing that the image of Msgr. Romero that pilgrimage carry has made the journey that so many of our parishioners have traveled is something very moving. It is a reminder that God protects us, that there are people praying for us. It’s something great,” she said.The Diocese of Los Angeles has a program of accompanying adults for immigrant children and teenagers that come to the United States without any relatives to take care of them. The program offers the possibility of living in the home of Episcopalians, as well as legal counsel for minors. The diocese also relies on the Interfaith Refugee and Immigration Service, which provides support for adult immigrants, said Frausto,Romero’s image and the group of pilgrims will continue visiting churches of different denominations in California, carrying the message of justice, faith and hope proclaimed by the beloved Salvadoran archbishop.– Clara Villatoro is a journalist based in San Salvador, El Salvador. Latin America, The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET Anglican Communion, In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET Missioner for Disaster Resilience Sacramento, CA Canon for Family Ministry Jackson, MS Priest Associate or Director of Adult Ministries Greenville, SC Rector and Chaplain Eugene, OR A pilgrimage on behalf of Central American migrants Curate Diocese of Nebraska Priest-in-Charge Lebanon, OH Rector Belleville, IL Rector Martinsville, VA Family Ministry Coordinator Baton Rouge, LA Rector/Priest in Charge (PT) Lisbon, ME Assistant/Associate Priest Scottsdale, AZ Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest last_img read more

House by the Lake / Marte.Marte Architects

first_imgShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/433175/house-by-the-lake-marte-marte-architekten-zt-gmbh Clipboard Projects “COPY” “COPY” Houses House by the Lake / Marte.Marte ArchitectsSave this projectSaveHouse by the Lake / Marte.Marte Architects CopyHouses•Bregenz, Austria Area:  228 m² Year Completion year of this architecture project Save this picture!© Marc Lins+ 21 Share 2010 Photographs Photographs:  Marc LinsSave this picture!© Marc LinsText description provided by the architects. A group of middle-class houses, mainly built in the first half of the 20th century, are located above the Herz-Jesu church at the foot of the prominent Pfänder mountainside in Bregenz. The size of the house blends in with the other sporadic, villa-like houses, and the compact, square exposed concrete structure has identical facades on all sides, except for the west side of the house facing the lake.Save this picture!© Marc LinsOwing to the steep slope of the property, two of the four levels are cut into the hillside. Users coming home by bicycle or car enter the house by the driveway, which is a little below road level, and then disappear into a spacious, multi-functional room. Access to the elevator is available on this level, which means that the house is barrier-free. Visitors arriving on foot reach the front door by climbing the stairs on the north side. A granny flat on this level offers users a variety of options for the future, which can be used for now as an office or a den, including a view of the lake while exercising or sitting in the sauna.Save this picture!© Marc LinsA central staircase tower leads up to the bedroom level and above it the actual beletage greets visitors with a breathtaking 360° view. A real panorama opens up to users between balcony and porch roof, capturing the atmosphere of the lake and the sky, putting the city at the users’ feetand bringing the mountain right into the house. The sheltering gesture of the two hat-like brims, above and below, is balanced spatially by the extra height of the room. Together they create a sense of intimacy and a feeling of safety, although the room is also very transparent. The horizontal matte windows focus and capture the eye and curtains on all four sides provide absolute privacy at night.Save this picture!© Marc LinsA walkway on the slope side provides access to the outdoors. Placing the structure on the street has resulted in a large sloping yard to the southeast. This runs along a steep flight of stairs at the edge of the property, which ensures public thoroughfare through the area. This building with its idiosyncratic combination of distinctive style and wit seems homogeneous and hermetic to those on the outside, while at the same time interacting with its surroundings in a very subtle and deliberate way.Save this picture!SectionProject gallerySee allShow lessRaval Hideout / Eva CotmanSelected ProjectsTwelve Architects to Design Airport in Russia for 2018 World CupArchitecture News Share Year:  ArchDaily Austria CopyAbout this officeMarte.Marte ArchitectsOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesBregenzAustriaPublished on October 01, 2013Cite: “House by the Lake / Marte.Marte Architects” 01 Oct 2013. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogPartitionsSkyfoldChoosing the Skyfold Wall for Your SpaceGlass3MGlass Finish – FASARA™ GeometricShower ColumnshansgroheShoulder ShowersPanels / Prefabricated AssembliesMorin Corp.Metal Wall Systems – ExposedStonesCosentinoSurfaces – Dekton® Stonika SeriesConcrete FloorsSikaIndustrial Floor CoatingsHanging LampsLouis PoulsenPendant Lights – KeglenDoorsSky-FrameInsulated Sliding Doors – Sky-Frame SlopeThermalSchöckMinimizing Thermal Bridges in BalconiesWindowspanoramah!®ah! Ultra MinimalistEnclosures / Double Skin FacadesAlucoilStructural Honeycomb Panels – LarcoreWork ChairsDynamobelWork Chair – SLAT 16More products »Read commentsSave世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/433175/house-by-the-lake-marte-marte-architekten-zt-gmbh Clipboard House by the Lake / Marte.Marte Architects Architects: Marte.Marte Architects Area Area of this architecture projectlast_img read more

121 Home Made House / A6A

first_imgArchitects: A6A Area Area of this architecture project “COPY” Houses Area:  110 m² Year Completion year of this architecture project Projects 121 Home Made House / A6A 121 Home Made House / A6ASave this projectSave121 Home Made House / A6ASave this picture!© Agnès Clotis+ 22Curated by Paula Pintos Share ArchDaily CopyHouses, Renovation, House Interiors•Bordeaux, France Photographscenter_img France Year:  Photographs:  Agnès ClotisSave this picture!© Agnès ClotisRecommended ProductsBlinds / Mosquito Nets / CurtainsBANDALUXConcealed Blind System – One-BoxDoorsSaliceSliding Door System – Slider S20DoorsSaliceSliding Door System – Slider S20WindowsFAKRORoof Windows – FPP-V preSelect MAXText description provided by the architects. The heart block with lush greenery gives the house a tropical air in summer. The canvas of the gray concrete formwork on the brutalist facade on the garden side recalls a modern architectural style. Inside the house, the materials, plants of various species, the shimmering colors of the fabrics warmly enhance a South American atmosphere. Oak plywood furniture, made to measure and “homemade”, structures the interior: doors, frames of kitchen furniture, bookcase, dresser, desk, bed frame, dressing room, shelves in bedrooms or even room divider. the stairs. On entering, a first level gives access to the house and the independent studio.Save this picture!© Agnès ClotisSave this picture!PlanSave this picture!© Agnès ClotisWith its kitchen, bathroom and mezzanine bedroom-office, the studio once reconfigured allows the creation of two additional bedrooms. On the ground floor of the house, entering on the right, the bathroom with its white tiles and its day well. Then the master bedroom, bathed in light because it is opened by a large bay window which overlooks the garden below. Two white stairs provide access on the one hand to the first floor and to the garden level on the other. Without railings or handrails, the shadow cast in the whiteness of the walls creates a suspended pattern.Save this picture!© Agnès ClotisUpstairs, the attic guest bedroom with its bathroom. Going down to the garden level, a second bay window opens as widely as possible to the outside. The central space consists of the living room, the dining room and an open kitchen made up of two islands facing each other. The storage spaces are closed by stainless steel doors. The owner made the concrete worktops himself, adding white and gray stones to the still fresh material. A memorable dust experience that makes the exercise difficult to reproduce.Save this picture!© Agnès ClotisThis unique furniture would almost give a contemporary work character to the downstairs room. An originality that applies to the entire house: elegant, restful white, bright with multiple interior and exterior openings. A softness marked by strong lines, raw materials and the power of volumes. Need Help? Below you can find some questions to answer. 1. What were the inspirations and key concepts for the development of the project? 2. What were the difficulties, or first setbacks encountered? 3. What were the construction techniques and the principal materials used in the project? 4. Explain briefly: spatial configuration and main reasons. How was it accomplished?Save this picture!© Agnès ClotisProject gallerySee allShow lessLake Mississauga Cottage / Architects Tillmann Ruth RobinsonSelected ProjectsMoscone Center Expansion / Skidmore, Owings & Merrill + Mark Cavagnero AssociatesSelected Projects Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/953106/121-home-made-house-a6a Clipboard 2020 ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/953106/121-home-made-house-a6a Clipboard “COPY” CopyAbout this officeA6AOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentRenovationInterior DesignResidential InteriorsHouse InteriorsBordeauxOn FacebookFrancePublished on December 13, 2020Cite: “121 Home Made House / A6A” 13 Dec 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogSinkshansgroheBathroom Mixers – LogisVinyl Walls3MExterior Vinyl Finish – DI-NOC™ StonePartitionsSkyfoldWhere to Increase Flexibility in SchoolsTiles / Mosaic / GresiteCupa PizarrasVentilated Facade – CUPACLAD UprightGlassLAMILUXGlass Roof PR60ConcreteKrytonCrystalline Waterproofing – KIMSkylightsVELUX CommercialAtrium Longlight Skylights in ExperimentariumMetal PanelsLorin IndustriesAnodized Aluminum – Copper FinishesStonesFranken-SchotterWall Covering & CladdingWindowsRabel Aluminium SystemsMinimal Casement Windows – Rabel 8400 Slim Super Thermal PlusSwingsStudio StirlingHanging Chair – BasketWallcovering / CladdingArrigoni WoodsWood Cladding – AcousticMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

Occam to overhaul RNIB’s 4-million-supporter database

first_img Howard Lake | 27 February 2009 | News 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.  33 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis The Royal National Institute of Blind People (RNIB) has appointed marketing management software company Occam to help it transform the way its supporter data is cleaned, analysed and used for communications.Occam will first cleanse and identify duplicate supporter data, generating a record of validated names and addresses across the whole supporter database.Then it will present this data within the FastStats application to give the charity’s marketing team immediate access to counts,selections, analysis, campaigns and reporting.Joe Jenkins, Head of Fundraising Strategy at RNIB said: “Not only will we now be able to ensure we are cutting back of waste generatedthrough badly addressed mail, but we will also be able to plan and execute our campaigns more scientifically”.Scott Logie, Strategy Director at Occam added: “It was clear to us that the team at RNIB required a more flexible environment for cleaning, managing and then using their data ­ one where real-time analysis was possible”.www.occam-dm.com AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Occam to overhaul RNIB’s 4-million-supporter database Tagged with: Consulting & Agencies Individual givinglast_img read more

Seattle Black Lives Matter fights racism in schools

first_imgBlack Lives Matter at School was held Feb. 4-8 and beyond at schools all across the U.S., including Seattle. This widespread week of action in cities both big and small was scheduled to coincide with Black History Month. (blacklivesmatteratschool.com)Growing out of the Black Lives Matter protest movement since 2016, BLMatSchool involves education workers in collaboration with teacher unions, teacher caucuses, community groups and others, especially students. BLMatSchool fights for an anti-racist agenda and curriculum in public schools and the teaching of Black history and ethnic studies. Many schools hold events every day of action week, especially classes teaching anti-racism. To stimulate student involvement and leadership, activities range from student discussions and artwork to protests later in the week. In New York City, students and teachers held a large protest at the Board of Education.The four basic demands of BLMatSchool are ending zero-tolerance discipline, replacing it with restorative justice; hiring more Black teachers; mandating Black history and ethnic studies in schools; and funding counselors, not cops.BLMatSchool has influenced and been involved in teacher strikes across the country. Statements supporting the striking Denver Public School teachers were posted on the website. A statement for the striking United Teachers of Los Angeles said their demands “were directly aligned with BLMatSchool Week of Action.” UTLA’s demands were more nurses, counselors, school psychologists, librarians; smaller class sizes; sustainable community schools; an end to privatization and charter expansion; and an end to criminalization of students.BLMatSchool sent a resolution to support Teachers Against Child Detention, a nationwide organization that held a Feb. 17 rally and teach-in at the border in El Paso, Texas. BLMatSchool supported TACD’s “demands for an immediate release of all immigrant children in U.S. government custody and to shut down all detention centers housing immigrant children.”Jesse Hagopian, a Seattle teacher and a founder of BLMatSchool, said, “With racist hate crimes on the rise and the president who makes openly racist comments about Africa and Haiti, it is vital that we transform our education to be about uplifting Black lives and undoing racism.” (The Seattle Medium, Jan. 30)FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Volleyball starts hot under new head coach

first_imgLinkedin printTCU Volleyball begins 5-1 from TCU Student Media on Vimeo.The Frogs and first-year head coach Jill Kramer are off to a 5-1 start, and aside from a loss to San Diego, they have dominated their competition.Kramer knows something about new beginnings for TCU volleyball, as she was captain and the first scholarship volleyball student-athlete for the Frogs when the program began in the late 1990s. Previous articleStudents react to Campus CarryNext articleA Spark of Hope inspires those in darkness Evan Watson RELATED ARTICLESMORE FROM AUTHOR George W. Bush to speak at Neeley luncheon Another series win lands TCU Baseball in the top 5, earns Sikes conference award Evan Watsonhttps://www.tcu360.com/author/evan-watson/ Facebook Twitter Evan Watsonhttps://www.tcu360.com/author/evan-watson/ TCU rowing program strengthens after facing COVID-19 setbacks ReddIt ReddIt Linkedincenter_img Three Horned Frogs attempt to block at the net. The Power of Three: TCU and the CWS Baker’s brilliance just part of great team performance Facebook + posts Twitter Frogs win their second game at CWS for first time ever Evan Watsonhttps://www.tcu360.com/author/evan-watson/ Evan Watsonhttps://www.tcu360.com/author/evan-watson/ Evan Watson TCU baseball finds their biggest fan just by saying hellolast_img read more

Ginnie Mae’s Outstanding MBS Balance Approaches $2T

first_img The Best Markets For Residential Property Investors 2 days ago  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: The Benefits of Perfecting Loan Collateral Next: The Top 10 Cities for Retirement Related Articles Data Provider Black Knight to Acquire Top of Mind 2 days ago Ginnie Mae Issuance MBS mortgage Securities 2018-08-14 Radhika Ojha Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Tagged with: Ginnie Mae Issuance MBS mortgage Securities Sign up for DS News Daily Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago The total outstanding mortgage-backed securities (MBS) at the Government National Mortgage Association or Ginnie Mae in July climbed to $1.98 trillion from $1.85 trillion during the same period a year ago. According to the agency, whose MBS programs directly support housing finance programs administered by the Federal Housing Administration, and other related agencies, its issuance of MBS totaled $36.77 billion in July.Breaking down these issuances, Ginnie Mae said that they included $35.38 billion of Ginnie Mae II MBS and $1.39 billion of Ginnie Mae I MBS, which includes $1.229 billion of loans for multifamily housing.Ginnie Mae data indicated that issuances for single-family home loans remained unchanged at $162 million month-over-month. However, they declined from $463 million recorded during the same period last year. Overall issuances for single-family and multifamily loans also declined year over year to $1.3 billion from $1.9 billion during the same period last year.Ginnie Mae II MBS are modified pass-through mortgage-backed securities for which registered holders receive an aggregate principal and interest payment from a central paying agent. An Issuer may participate in the Ginnie Mae II MBS either by issuing custom, single-Issuer pools or through participation in the issuance of multiple-Issuer pools, which combine loans with similar characteristics.On the other hand, Ginnie Mae I MBS are modified pass-through mortgage-backed securities on which registered holders receive separate principal and interest payments on each of their certificates. Ginnie Mae I securities can include single-family, multifamily, manufactured home and project construction loans.Earlier, last week, Ginnie Mae had issued a bulletin highlighting processing changes to the HMBS loan-level disclosures beginning with the August 2018 new issuances disclosure and the July monthly disclosure.Last month Michael Bright, EVP, and COO at Ginnie Mae laid out his vision for the agency during his testimony at the Senate Banking Committee’s hearing to consider his nomination as the President of Ginnie. Bright, who was nominated for this position by the Trump administration in late May said that Ginnie Mae’s bond and its brand were globally recognized as the most pristine mortgage security in the world. “This is because of Ginnie Mae’s track record of success and our robust process for ensuring the timely payment of principal and interest to security holders,” he said. “Ginnie Mae has never missed a payment in its 50 years of existence, even during the financial crisis.” You can read more about Bright’s vision for Ginnie Mae here.In June, issued an All Participants Memorandum (APM) announcing the implementation of changes to pooling eligibility requirements for Department of Veteran Affairs’ (VA) insured or guaranteed mortgages under the “Loan Seasoning for Ginnie Mae Mortgage-Backed Securities,” provision. These changes affect security issuances on or after June 1, 2018, but do not otherwise affect the guarantee or composition of MBS issued before that date. You can read more about the changes by clicking here.center_img Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. About Author: Radhika Ojha in Daily Dose, Featured, News, Secondary Market Governmental Measures Target Expanded Access to Affordable Housing 2 days ago August 14, 2018 2,424 Views Servicers Navigate the Post-Pandemic World 2 days ago Share Save Subscribe The Best Markets For Residential Property Investors 2 days ago Ginnie Mae’s Outstanding MBS Balance Approaches $2T Home / Daily Dose / Ginnie Mae’s Outstanding MBS Balance Approaches $2T Servicers Navigate the Post-Pandemic World 2 days agolast_img read more