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first_img26th October 2020 | By Robert Fletcher “Betsson’s strong corporate culture has continued to support the performance of the organisation during the pandemic,” Lindwall said. “I am immensely proud of all the ‘Betssonites’ who rapidly adapted to the new circumstances with sustained productivity and service levels to our customers.” “The online gambling industry has more clearly than ever demonstrated its resilience to market fluctuations during the pandemic when compared to many other sectors.” Operating income for Q3 stood at SEK329.1m, up  54.9% on last year, while after including financial costs, profit before tax was SEK314.0m, some 59.4% more than last year. Betsson saw revenue grow 31.5% year-on-year in the third quarter of 2020, driven by a strong performance from its core casino vertical and a growing contribution from sports betting. Subscribe to the iGaming newsletter “Despite this, Betsson has both expanded into new markets and developed new products and features,” Lindwall said. “The positive development is partly attributable to the increased demand for digital entertainment through the pandemic. Topics: Finance Online casino Online sports betting Revenue from other products stood at SEK17.6m, while total customer deposits across all Betsson products during the quarter reached SEK7.55bn, an increase of 53.0% on Q3 of 2019. Tags: Finance Betsson “I look forward, with confidence, to the future of both B2C and Betsson’s ambitions in B2B as a sportsbook supplier.” Marketing expenses were up 32.4% to SEK282.5m, while other external costs climbed 25.2% to SEK214.2m. Amortisation and depreciation expenses were slightly down to SEK87.5m, though capitalised development costs increased to SEK60.7m. Betsson paid SEK23.4m in income tax during Q3, leaving it with a net profit of SEK290.6m, up 59.9% on SEK181.8m on 2019. Earnings before interest, tax, deprecation and amortisation (EBTIDA) for the quarter also increased 37.0% to SEK416.6m Personnel expenses were up 20.9% to SEK232.3 as the operator increased the average number of full-time employees to 1,070 (942), with new staff added to payroll as a result of recent acquisitions – including the purchase of GiG’s B2C assets in Q2. Betting growth leads Betsson to 31.5% revenue rise in Q3 Group revenue for the three months to 30 September amounted to SEK1.68bn (£147.2m/€161.7m/$191.5m), up from SEK1.28bn posted in the corresponding period last year.center_img In terms of performance by region, the Nordics were Betsson’s core source of revenue. Nordic revenue amounted to SEK558.9m, up 17.2% on Q3 last year and representing 33% of all revenue in the quarter. Email Address Betsson chief executive Pontus Lindwall praised the business’ ability to post growth despite having to contend with challenges related to the novel coronavirus (Covid-19) pandemic. Western Europe revenue was up 22.6% year-on-year, while revenue from Central and Eastern Europe and Central Asia (CEECA) increased 39.9%. Betsson also saw significant growth from it rest of world activities, with revenue in these markets jumping 124.1% to SEK184.2m. AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter Looking at spending in Q3, cost of services climbed 33.0% to SEK590.9m, while operating expenses jumped 22.4% to SEK756.7. “Betsson has a strong financial position, a diversified portfolio with a global footprint, strong brands with local expertise, flexible and scalable proprietary technology, along with highly dedicated and talented teams,” Lindwall said. Betsson paid SEK45.0m in tax during the first nine months of 2020, leaving it with a net profit of SEK713.0m for the period, up 22.4% on the same point in 2019. In addition, EBTIDA climbed 14.6% year-on-year to SEK1.07bn. The operator’s sports betting performance also improved, with revenue rising 12.1% from SEK314.6m to SEK352.6m, representing 21% of all revenue in Q3. Casino remained the main source of income for Betsson, with revenue totalling SEK1.31bn, an increase of 38.8% on the previous year, and accounted for 78% of total revenue in the quarter. Finance Cost of services stood at SEK1.64bn and operating expenses SEK2.18bn, which in turn left an operating profit of SEK807.4m, up 21.5% on last year. After finance costs, profit before tax was SEK762.4m, an increase of 22.2%. Looking at how Q3 impacted Betsson’s year-to-date performance, revenue for the nine months to 30 September amounted to SEK4.63bn, up 19.1% on the same period last year.last_img read more

first_imgStanbic IBTC Bank (IBTC.ng) listed on the Nigerian Stock Exchange under the Banking sector has released it’s 2014 presentation results for the half year.For more information about Stanbic IBTC Bank (IBTC.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Stanbic IBTC Bank (IBTC.ng) company page on AfricanFinancials.Document: Stanbic IBTC Bank (IBTC.ng)  2014 presentation results for the half year.Company ProfileStanbic IBTC Plc is a financial services company in Nigeria offering banking products and services for the retail, corporate, investment and wealth management sectors. The Personal and Corporate Banking division provides a full-service offering ranging from transactional accounts to residential accommodation loans, vehicle and equipment finance and instalment finance. The Corporate and Investment Banking division offers products and services for foreign exchange, fixed income and equity trading as well as transactional banking, corporate and property lending and custodial and trade finance services. The Wealth Management division provides services for investment management, pension management, portfolio management, unit trust/fund management and trusteeship services. Stanbic IBTC Holdings Plc undertakes venture capital projects and private equity investments; acts as an executor and trustee of wills and trusts; and provides agency, insurance brokerage and stockbroking services. Founded in 1989, Stanbic IBTC Holdings Plc is a subsidiary of Stanbic Africa Holdings Limited. Its company head office is in Lagos, Nigeria. Stanbic IBTC Plc is listed on the Nigerian Stock Exchangelast_img read more

first_img I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. With buy-to-let properties you need a deposit and have to deal with significant taxes, tenants not paying rent and property repairs. And my prediction is that taxes on buy-to-let investors will head even higher as government finances sag under huge Covid debts. So, with that in mind, I’d prefer to buy cheap FTSE 100 shares this year.2 cheap FTSE 100 shares – a pharma and a bankThese two cheap FTSE 100 shares will likely be added to my portfolio. First is pharma specialist GlaxoSmithKline (LSE: GSK). Second is banking giant Natwest (LSE: NWG).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…When it comes to GSK, there are reasons to knock it. The share price has underperformed versus sector peer AstraZeneca, the dividend has been held flat for years, and the focus on R&D arguably isn’t yet producing the goods.Yet the hope must be that it can improve. Management seems serious about this as it looks to spin-off the consumer business. The company has also spent big in order to beef up its oncology portfolio. The acquisition of Tesaro back in 2019 is the most notable example of this to date.For me, the shares now look cheap on a P/E below 11 and with potential for the drugs pipeline to boost earnings in the coming years. There’s also the dividend yield, which isn’t far off 6%. The share performed terribly in 2020, but I think 2021 could see a bounce-back. Then beyond 2021, I think GSK has a very bright future and could deliver both income and growth for patient investors.Like other UK banks, Natwest also had a terrible 2020. In fact, it was among the worst-performing shares last year. What that does mean is there’s bounce-back potential for this year. But it has more strings to its bow than just being cheaper than it once was.  Profits are expected to leap in 2021, hitting £1.4bn as the economic recovery gets under way. I expect that if economic conditions improve in the second half of this year, banks could be among the biggest beneficiaries.The bank’s shares now trade at a price-to-book (P/B) ratio of around 0.5. That makes it a cheap FTSE 100 share, in my eyes.Another cheap share with growth potentialAuto Trader (LSE: AUTO) is a little different to the two shares above, but is still good value. As my Foolish colleague Peter Stephens pointed out, it’s on a price-to-earnings growth (PEG) ratio of just 0.4. This would make it, potentially, an ideal growth share for a successful growth investor like Jim Slater.Again, it’s a share that will need lockdowns to be eased sooner rather than later as car dealerships remain closed. Its customers are struggling so much that the website made its advertising packages free in December 2020 and will do again in February 2021, a move that will cost between £10-15m. The hope is this will pay off down the line. I think it will. Once conditions normalise I expect that as a market leader with impressive margins, Auto Trader will deliver for shareholders. For me, it’s another cheap FTSE 100 share that could help make me a fortune. 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. Andy Ross owns shares in AstraZeneca. 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. Click here to claim your free copy of this special investing report now! Forget buy to let. I’d buy these cheap FTSE 100 shares to make a fortune instead Simply click below to discover how you can take advantage of this.center_img 5 Stocks For Trying To Build Wealth After 50 Andy Ross | Thursday, 7th January, 2021 | More on: AUTO GSK NWG Image source: Getty Images. Enter Your Email Address Markets around the world are reeling from the coronavirus pandemic…And with so many great companies trading at what look to be ‘discount-bin’ prices, now could be the time for savvy investors to snap up some potential bargains.But whether you’re a newbie investor or a seasoned pro, deciding which stocks to add to your shopping list can be daunting prospect during such unprecedented times.Fortunately, The Motley Fool is here to help: our UK Chief Investment Officer and his analyst team have short-listed five companies that they believe STILL boast significant long-term growth prospects despite the global lock-down…You see, here at The Motley Fool we don’t believe “over-trading” is the right path to financial freedom in retirement; instead, we advocate buying and holding (for AT LEAST three to five years) 15 or more quality companies, with shareholder-focused management teams at the helm.That’s why we’re sharing the names of all five of these companies in a special investing report that you can download today for FREE. If you’re 50 or over, we believe these stocks could be a great fit for any well-diversified portfolio, and that you can consider building a position in all five right away. See all posts by Andy Rosslast_img read more

first_img You have entered an incorrect email address! Please enter your email address here Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Share on Facebook Tweet on Twitter Support conservation and fish with NEW Florida specialty license plate Please enter your comment! Jesus didn’t stutter when he said that he is the truth:“I am the way, and the truth, and the life,” he said, “no one comes to the Father except through me (John 14:6).”Why did Jesus claim to be the truth, versus one single truth among many other truths? Why did he say that he would not share his glory with any other God or any other religious leader? Why was he unwilling to accept the mere designation of Rabbi or of a good moral teacher or of an exemplary human being? Furthermore, why do his followers seem stuck on the idea that Jesus, in being the truth, is the singular path to God? CS Lewis, a secular atheist intellect turned Christian, answers this question as well as anyone in Mere Christianity:“I am trying here to prevent anyone saying the really foolish thing that people often say about Him: I’m ready to accept Jesus as a great moral teacher, but I don’t accept his claim to be God. That is the one thing we must not say. A man who was merely a man and said the sort of things Jesus said would not be a great moral teacher. He would either be a lunatic—on the level with the man who says he is a poached egg—or else he would be the Devil of Hell. You must make your choice. Either this man was, and is, the Son of God, or else a madman or something worse. You can shut him up for a fool, you can spit at him and kill him as a demon or you can fall at his feet and call him Lord and God, but let us not come with any patronizing nonsense about his being a great human teacher. He has not left that open to us. He did not intend to.”But what is it, exactly, that has made Lewis so certain that Jesus is more than a great human teacher, but is instead the Son of God, the Word who has become flesh, the Incarnate Deity? I believe the answer to this question rests in a single word:Resurrection.Jesus, who was crucified, dead, and buried, rose again bodily from the dead.The man Saul of Tarsus was militantly opposed to the Christian religion and a leader in the first-century massacre against the followers of Jesus. Yet, Saul of Tarsus later became a follower of Jesus. The turning point occurred for Saul when he was on his way to Damascus to arrest more Christians. Jesus, having risen from the dead, met him on the road, temporarily blinded him, and asked him a question, “Saul, why do you persecute me?”The message to Saul was clear. In standing against Christians, he was standing against Christ, the risen Messiah. And in standing against Christ, the risen Messiah, he was standing against the truth.In an instant, Saul, once a big shot among the Jews, became small in his own eyes. Saul, a great teacher, and leader was at a loss for words.Instead of striking Saul down, Jesus forgave him.From that point forward, Saul of Tarsus was also Paul the Apostle, the inspired writer of approximately one-third of the New Testament. He later wrote these words:“I thank him who has given me strength, Christ Jesus our Lord, because he judged me faithful, appointing me to his service, though formerly I was a blasphemer, persecutor, and insolent opponent. But I received mercy because I had acted ignorantly and in unbelief, and the grace of our Lord overflowed for me with the faith and love that are in Christ Jesus. The saying is trustworthy and deserving of full acceptance, that Christ Jesus came into the world to save sinners, of whom I am the foremost. But I received mercy for this reason, that in me, as the foremost, Jesus Christ might display his perfect patience as an example to those who were to believe in him for eternal life (1 Timothy 1:12-16).”How did Paul know that his words were “trustworthy and deserving of full acceptance?” How did Paul know that his belief in Jesus was a belief in the truth versus a belief in one of several legitimate, competing “truths?”He knew his words were trustworthy and deserving of full acceptance because Christ had risen from the dead. Because Christ had risen from the dead—a claim that cannot be made by any other religious founder or leader. And if Christ has risen from the dead, everything else that Jesus said and did can be accepted as true.But what if the resurrection of Jesus is actually not true? What if it is a myth? What if in the end, it turns out to be a cleverly made up hoax?If it is a hoax, Christians are the most pitiful people in the world.Paul wrote to the Corinthian church:“If the dead are not raised, not even Christ has been raised. And if Christ has not been raised, your faith is futile and you are still in your sins. Then those also who have fallen asleep in Christ have perished. If in Christ we have hope in this life only, we are of all people most of all to be pitied. But in fact, Christ has been raised from the dead (1 Corinthians 15:17-20).”In fact…Christ has been raised.How can we be so sure? As Simon Greenleaf, distinguished professor of law at Harvard discovered, the evidence is overwhelming. Based on the evidence alone, it takes more faith not to believe that Jesus rose from the dead than it takes faith to believe it.As the Apostle Peter once wrote, “We did not follow cleverly devised myths when we made known to you the power and coming of our Lord Jesus Christ, but we were eyewitnesses of his majesty (2 Peter 1:16).Eyewitnesses. Of his majesty.What was eyewitness evidence to Jesus’ resurrection so convincing to the likes of Simon Greenleaf? There are several excellent books that have been written on the subject, including Who Moved the Stone? by an English journalist attorney named Frank Morrison. Also, The Case for Christ and The Case for Faith by Lee Strobel, More Than a Carpenter and Evidence That Demands a Verdict by Josh McDowell, and Tim Keller’s The Reason for God are excellent, more detailed treatments of the subject.It may be helpful to highlight a few of these so-called “evidences.”One such evidence is the Apostle Paul’s undisputed claim that there were over five hundred, real-time eyewitnesses to the resurrection of Christ in the first century, “most of whom (were) still alive” (1 Corinthians 15:3-11). Another evidence is the historical record of how each of the twelve disciples of Jesus died. Judas, the one false disciple, hanged himself over guilt related to his betrayal of Jesus. Ten of the others died as martyrs because of their unwillingness to recant their Christian faith to show ultimate allegiance to the Roman Caesar. The disciple John, exiled to the island of Patmos for the same unwillingness to recant, died of old age as a prisoner for Jesus. With this historic record in mind, Josh McDowell wrote the following in More Than a Carpenter:“If the Resurrection had not happened, obviously the disciples would have known it. I can find no way that these particular men could have been deceived. Therefore they not only would have died for a lie—here’s the catch—they would have known it was a lie. It would be hard to find a group of men anywhere in history who would die for a lie if they knew it was a lie.”Other evidence for Christianity includes the countless lives over the centuries that have been changed. In a candid interview about his Christian faith, Bono issued a challenge to his skeptical interviewer with these words:Either Christ was who He said He was the Messiah or a complete nutcase. I mean, we’re talking nutcase on the level of Charles Manson…This man was strapping himself to a bomb, and had “King of the Jews” on his head, and, as they were putting him up on the Cross, was going: OK, martyrdom, here we go. Bring on the pain! I can take it. I’m not joking here. The idea that the entire course of civilization for over half of the globe could have its fate changed and turned upside-down by a nutcase, for me, that’s farfetched.Bono’s point is that the best case for Christianity is the lives that have been changed by Jesus.Liars becoming more honest, crooks returning what they have stolen, anxious and dying people finding peace, cowardly and fearful people finding courage, hurtful people asking forgiveness from those they have hurt, bodies wasting away as the souls who inhabit those bodies become more alive, business people doing the less profitable thing because it is the right thing, aimless people finding meaning in their lives, spouses staying committed to each other through the hard and dry seasons, addicts becoming sober, adulterers becoming chaste, pregnant mothers continuing their pregnancies knowing that they are carrying a child with Down Syndrome, rejected and unappreciated parents persisting in unconditional love toward their straying, entitled children. These are only a few examples of how Jesus Christ changes people.The same power that Christians believe spoke the galaxies into being, that parted the ocean, that caused a blind man to see, that enabled a paralytic to get up and walk, and that raised Jesus from the dead—accounts for the billions of people who, having been brought into relationship with Jesus, have become better versions of themselves. “If anyone is in Christ, he is a new creation. The old has passed away; behold, the new has come” (2 Corinthians 5:17).Perhaps you have been turned off to Christianity because of intellectual roadblocks. Perhaps, like Francis Schaeffer, you have been turned off by a “lack of reality” that you perceive in the lives and behavior of Christians around you.Amid your questions, doubts, and disappointments, are there any Christians in your life who have shown you glimpses of something different, something more beautiful and lovely, even something admirable? Have you ever seen in Christians something that gave you pause about your doubts, that led you to consider that perhaps there is something to this Jesus character? Something like forgiveness of a hurt, compassion shown to a sufferer, generosity toward someone in need, or perseverance in a hard marriage?If so, could this be Jesus reaching out to you, inviting you to consider, or perhaps reconsider, his claims?If there are no such Christians in your life and if there is no such longing, would you consider, as the Harvard student Jordan Monge did, investigating “the works of the masters” such as Augustine, Anselm, Aquinas, Descartes, Kant, Pascal, and Lewis? Better yet, would you consider reading through each of the four “Jesus biographies” in the Bible—the Gospels according to Matthew, Mark, Luke, and John—each written from the perspective of a first-century believer whose life had been made new by the life, death, burial, and resurrection of Jesus?If you are not ready to open yourself to the possibility that Jesus is the truth, would you consider embarking on the journey that Simon Greenleaf once did? Would you accept the challenge, as he did, of attempting to prove that it is false?Perhaps in your quest to prove Christianity to be false, you might discover, as Greenleaf and Francis Schaeffer did, that there is only one reason to be a Christian: because it’s true. LEAVE A REPLY Cancel reply The Anatomy of Fear Save my name, email, and website in this browser for the next time I comment. TAGSEaster Previous articleHappy Easter!Next articleEaster falls on a Sunday this Year? Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your name here Inspiration   by Scott Sauls, Christ Presbyterian Church last_img read more

first_img 1 COMMENT From the Office of U.S. Representative Val Demings, District 10 LEAVE A REPLY Cancel reply Friday, Members of the Committee on Homeland Security introduced new legislation to address the impact coronavirus has had on the Transportation Security Administration’s frontline workforce.During the coronavirus pandemic, TSA’s 49,000 Transportation Security Officers, along with thousands more Federal Air Marshals and canine handlers, have continued to do their job protecting our skies despite the high risk of contracting the virus.As of May 1, 509 TSA employees have tested positive for COVID-19, and, sadly, five have died. The Members hope these pieces of legislation are included in future coronavirus response measures.New legislation by Rep. DemingsH.R. 6656: The Coronavirus Workers’ Compensation for TSA Employees ActSponsored by Rep. Val Demings (D-FL), this bill would provide a presumption of workplace causation for TSA frontline employees who contract COVID-19 and apply for workers’ compensation benefits. They would not have to prove infection happened on the job, which is the current rule and would be difficult for coronavirus infections.“TSA employees are required to interact daily with the public, increasing their risk of exposure to COVID -19,” said Congresswoman Demings on her bill. “This necessary legislation would provide a presumption of workplace causation. They are there for us every day. If they get sick, we need to give them the help they deserve.Additional legislation providing TSA employess with protection are outlined below from Representatives Correa, Titus, and PayneH.R. 6647: The Health Care Opportunities for Transportation Security Administration Employees ActSponsored by Rep. Lou Correa (D-CA), Chairman of the Subcommittee on Transportation and Maritime Security, and Rep. Dina Titus (D-NV), this bill would require TSA to provide its part-time employees with a greater cost share for health care insurance premiums after TSA significantly reduced this benefit last year. This bill would also allow all TSA employees to adjust their health care enrollment during national emergencies.“TSA is the thin blue line that protects our families and us from those that would like to harm us by smuggling items of mass destruction,” said Congressman Correa on his bill.  “These security professionals have consistently put themselves in harm’s way throughout the coronavirus pandemic to protect us. No TSA employees should have to worry about getting treatment for COVID-19. They deserve quality and affordable healthcare.”Congresswoman Titus commented on her bill, “TSA employees are making sacrifices to serve our nation during this pandemic and the least we can do is provide them all with quality, affordable health care. No TSA employee should have to worry about affording treatment if they get sick. I’m grateful to work with Congressman Correa on this important legislation.” H.R. 6655: The Hazardous Duty Pay for Frontline Federal Workers ActSponsored by Rep. Donald Payne, Jr. (D-NJ), this bill would require OPM to create a hazardous duty pay category for frontline Federal workers, including TSA employees, who contract or have been exposed to COVID-19. TSOs would be compensated appropriately to recognize the risks they face.“I introduced this bill because we need to reward the workers who have risked their lives for us during this global pandemic,” said Congressman Payne on his bill. “The sacrifices they have made deserve to be recognized.  We have thanked them plenty.  Now it is time to show them how much we value their work and efforts during this public health and economic crisis.  I hope that all private companies follow my lead and increase the pay of all essential workers until we find a treatment for this disease.”Link to the Health Care Opportunities for Transportation Security Administration Employees ActLink to the Hazardous Duty Pay for Frontline Federal Workers ActLink to the Coronavirus Workers’ Compensation for TSA Employees Act The Anatomy of Fear Please enter your name here Support conservation and fish with NEW Florida specialty license plate TAGSCoronavirusNew LegislationProtectionTSA WorkforceU.S. Representative Val Demings Previous articleRe-Open Florida Task Force report charts ‘road map’ to post-pandemic recovery, beyond phase oneNext articleAs I now am, they will be Denise Connell RELATED ARTICLESMORE FROM AUTHOR Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Thank you May 2, 2020 at 10:16 pm Please enter your comment! J You have entered an incorrect email address! Please enter your email address here Share on Facebook Tweet on Twitter Reply Save my name, email, and website in this browser for the next time I comment.last_img read more

Campanario 2 / Axel Duhart Arquitectos

June 17, 2021 | hpnymhct | No Comments

first_img “COPY” Year:  ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/769960/campanario-2-axel-duhart-arquitectos Clipboard Photographs:  Jorge Silva, ADPCollaborators:Miguel Romero Cruz, Irene Gerard, Gabriela MadayStructure:Montellano, estructuras y construccionesFurniture And Decoration:DUHART-DesignArchitectural Lighting:Estévez, LEDS C4Architect In Charge:Axel DuhartCity:Santiago de QuerétaroCountry:MexicoMore SpecsLess SpecsSave this picture!© Jorge Silva, ADPRecommended ProductsEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsMetallicsKriskadecorMetal Fabric – Outdoor CladdingCeramicsApariciPorcelain Tiles – TangoMetallicsSculptformClick-on Battens in Ivanhoe ApartmentsText description provided by the architects. Forces that act upon a body, they both compensate anda cancel out each other. They are now in balance. When light and shadow dont find contrast, they join themselves and become harmony.Save this picture!© Jorge Silva, ADPTwo bodies that come across each other, form a unit and stabilize one another, providing the necessary counterbalance. Grounded on top a metallic structure, its skeleton, whic wraps around and incorporates to the structure, sits upon concrete columns. They bind to the rest of the elements and grant nature to the project that sits upon mounds of grass, revealing the artsy intention of the concrete cantilever that gives its final touch to the structural adventure.Save this picture!PlanOn one side of the building, the almost minimalistic masive walls shutsout the house from the road, giving privacy from the outside world. Meanwhile, the other side of the house gives way to ample views of the fairway, through huge floor to ceiling windows that let light in all around and evoque the masterpieces of Mondrian in its window design. The geometrical intention creats shades and light thar fragment the rays of light. These massive clear partitions divde but donot obstruct the intended feeling of perpetuating the inside space into the outside world.Save this picture!© Jorge Silva, ADPThe sober and noble materials taken from nature, such as wood, stone and concrete were sed in walls and floor, creating an amazing contrast with the high tech materials and elements used in bathroom, kitchen and other home items. Ther was a careful design used in the lighting elements chosen for this project. Upon twilight, the transformation of the space have a striking contrast.Save this picture!© Jorge Silva, ADPLast but no least, the sustainability solution to the whole project. LAST BUT NOT LEAST, THE SUSTAINABILITY SOLUTION TO THE WHOLE PROJECT AS TO CAUSE A LOWEST POSSIBLE IMPACT TO THE ENVIROMENT AS WELL AS LOWER ELECTRICAL CONSUMPTION. ON THE SUBJECT OF WATER USE, RESIDUAL WATER WICH LEAVES THE HOUSE GOES TO THE NEIGHBOURHOOD TREATMENT PLANT TO LATER BE USED FOR WATERING THE GOLF COURSE. RAIN WATER IS ALSO COLLECTED FROM THE HUGE ROOFS AND USED FOR THE SAME PURPOSE. THE NATURAL STONE AND OTHER MATERIALS, ARE TAKEN FROM THE REGION, AS TO LOWER TRANSPORTATION OF PRODUCTS FROM AFAR THUS MINIMIZING ENVIROMENTAL IMPACT.Save this picture!© Jorge Silva, ADPProject gallerySee allShow lessShelter Global Announces 2015 Dencity Competition WinnersArchitecture NewsKAMJZ Proposes Sustainable Ruichang Flower Market for ChinaUnbuilt Project Share Campanario 2 / Axel Duhart Arquitectos Architects: Axel Duhart Arquitectos Area Area of this architecture project Photographs Area:  1400 m² Year Completion year of this architecture project 2014 Year:  CopyAbout this officeAxel Duhart ArquitectosOfficeFollowProductsGlassSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesSantiago de QuerétaroMexicoPublished on July 18, 2015Cite: “Campanario 2 / Axel Duhart Arquitectos” [Campanario 2 / Axel Duhart Arquitectos] 18 Jul 2015. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogSinkshansgroheBathroom Mixers – MetrisVinyl Walls3MVinyl Finish – DI-NOC™ Cross HairlinePartitionsSkyfoldVertically Folding Operable Walls – Mirage®SinksThe Splash LabTrough Sink – Monolith A SeriesSkylightsVELUX CommercialModular Skylights in Helmkehof Cultural CenterBathroom AccessoriesBradley Corporation USAWashroom AccessoriesConcrete FloorsSikaDecorative Floor CoatingsMetal PanelsSherwin-Williams Coil CoatingsFluropon® Coating in Thaden SchoolWood Boards / HPL PanelsInvestwoodViroc Nature for Partition WallsMineral / Organic PaintsKEIMMineral Wood Stain – Lignosil®-VeranoDoorsdormakabaEntrance Doors – MAGNEOSinksECOPIXELWashbasin – Light Basin LTBMore 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 Houses CopyHouses•Santiago de Querétaro, Mexico 2014 ArchDaily ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/769960/campanario-2-axel-duhart-arquitectos Clipboard Save this picture!© Jorge Silva, ADP+ 25 Share Projects Campanario 2 / Axel Duhart ArquitectosSave this projectSaveCampanario 2 / Axel Duhart Arquitectos “COPY” Mexicolast_img read more

first_imgAntVIHrus. Fights the virus in your computer and HIV Howard Lake | 3 October 2012 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis  32 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Tagged with: corporate Technologycenter_img This partnership between antivirus company Norton, Unicef Spain, Tiempo BBDO and interactive agency PSYCLE makes a link between computer viruses and HIV.“For 1.2 euros you can download one of the best antiviruses on the market. The money goes to UNICEF to fight AIDS.”www.antivihrus.org Advertisement  31 total views,  1 views today 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.last_img read more

first_img SHARE United States Wins Trade Enforcement Case for American Farmers Facebook Twitter “This decision sends a clear message that the Obama Administration can fight and win for American farmers, businesses, and workers in the global trading system, ensuring that America gets the benefit of the rules and market access we have negotiated in our international trade agreements,” said Ambassador Froman. “WTO Members must use trade remedies strictly in accordance with their commitments, and we hope that this win will discourage further violations that hurt American exporters.”“When U.S. producers or exporters face antidumping or countervailing duty investigations abroad, the Department of Commerce stands ready to help them understand their rights and secure a  fair process,” said Secretary Pritzker. “My Department was proud to work with USTR in addressing this misuse of trade remedies by China. In the U.S., we work hard to ensure that our investigations into unfair trade actions are transparent, procedurally fair to all parties, and consistent with our WTO obligations. We expect nothing less for the U.S. industry in foreign trade remedy investigations.  We are committed to ensuring that other countries play by the rules and will continue to work with USTR to achieve that goal.”“Agricultural exports continue to be a strong and growing component of U.S. exports.  Farm exports in fiscal year 2012 reached $135.8 billion and supported 1 million jobs here at home.  More than $23 billion worth of those agricultural products went to China alone.  But China’s prohibitive duties on broiler products were followed by a steep decline in exports to China – and now we look forward to seeing China’s market for broiler products restored,” said Secretary Vilsack.  “This is an important victory today for the U.S. poultry industry, and for American farmers and ranchers.” This is the second of three recent WTO disputes in which the United States has challenged important flaws in China’s administration of its antidumping and countervailing duty measures.  The United States has prevailed in the first two disputes, on a specialty steel product and now on chicken broiler products,  and is actively litigating a third regarding automobiles. By Gary Truitt – Aug 2, 2013 United States Trade Representative Michael Froman, Secretary of Commerce Penny Pritzker, and Secretary of Agriculture Tom Vilsack announced today that the United States won a major case at the World Trade Organization (WTO) on behalf of American chicken producers, proving that China’s imposition of higher duties on chicken “broiler products” – which was followed by an 80-percent drop in American exports of those products to China – is unjustified under international trade rules.   A WTO dispute settlement panel agreed with the United States, finding that China violated numerous WTO obligations in conducting its investigations and imposing anti-dumping (AD) duties and countervailing duties (CVD) on chicken imports from the United States.center_img The Monitoring and Enforcement unit of the Office of the U.S. Trade Representative and other USTR staff worked closely with the U.S. Department of Commerce and the U.S. Department of Agriculture in preparing and litigating this case.   Personnel from the Interagency Trade Enforcement Center (ITEC), created by President Obama to enhance U.S. trade enforcement capabilities, also provided support for the dispute. Home Indiana Agriculture News United States Wins Trade Enforcement Case for American Farmers Facebook Twitter SHARE Previous articleAnother Indiana Wine Wins top Honor in CompetitionNext articleIndiana State Fair Creates World’s Largest Popcorn Ball Gary Truittlast_img read more

Indiana Dry Harvest Window Continues

June 14, 2021 | hpnymhct | No Comments

first_img Facebook Twitter Previous articleA Better Harvest Than ExpectedNext articlePodcast 10-15-15: Dry Harvest Continues & Better Harvest Than Expected Andy Eubank SHARE SHARE Facebook Twitter Home Indiana Agriculture News Indiana Dry Harvest Window Continues By Andy Eubank – Oct 15, 2015 Dry harvest continuesIndiana harvest keeps rolling along as mostly sunny days continue across the state. Some farmers have already wrapped it up and others are getting close to completion. Hoosier Ag Today chief meteorologist Ryan Martin says it should be full speed ahead from now all the way through the weekend at the very least.“For the most part I think we’re going to be able to truck right along with no major problems right on through the end of the weekend,” Martin said. “I do see a big weather change coming but I don’t think it has a lot that can stall harvest. The front to me looks like it wants to move through late Thursday night through early Friday with very little moisture, if any at all with it. The main thing we’ll notice is probably a 15 degree drop in temperatures. It will be a chilly weekend but still with as dry as our air mass is, I think harvest goes along just fine.”Dry and compacted soils will greet farmers who plan to follow up harvest with tillage work. Martin says there might be a little rain next week to loosen things up just a bit.“I tell you what, if you’re wanting to work some dirt the best thing that I can say is we’ve got to look toward the middle to second half of next week. I still look for a fairly promising front to move through in that time frame. Just how promising is in up in the air. I think a quarter, to half, to maybe ¾ of an inch of moisture top end. If we see temperatures rise just ahead of the moisture maybe we can get an inch or more. But if you’re running into compaction, if you’ve got just bone dry, blow it away kind of soils, next week is your time frame to watch. If we don’t get any there, we might be setting ourselves up for a pretty dry run into early November.Get Martin’s regular updates at hoosieragtoday.com on the apple and droid mobile app. Indiana Dry Harvest Window Continueslast_img read more

first_img Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The pristine performance of mortgage loans in the U.S. with a vintage of 2009 or later is an indicator that underwriting standards could be loosened, according to CoreLogic senior economist Molly Boesel.In an analysis entitled “What’s an Acceptable Level of Mortgage Default?” published in CoreLogic’s December 2014 edition of The MarketPulse, Boesel constructs an argument that there is room to relax lending standards based on her assessment that improved housing market conditions and economic conditions, and not just a tighter credit box, are responsible for improved loan performance since 2009.”Do mortgage vintages really need to be as pristine as they have been in the most recent years?” Boesel said in her analysis. “While there are many factors besides loan performance that should be considered in the policy decisions around access to credit, it is clear that mortgage originations made in the mid-2000s are still driving the SDQ (serious delinquency) rate, and originations made since 2009 are performing much better.”The percentage of mortgages in the U.S. that were seriously delinquent (more than 90 days past due or either in foreclosure or bank-owned) was 4.2 percent in CoreLogic’s latest data (October 2014), less than half of the peak percentage of 8.6 in February 2010. Out of all the mortgage loans that were active as of the end of September 2014, only 25 percent of them were originated during the years immediately prior to the housing bust (2004 through 2008) while 77 percent of all seriously mortgage delinquent loans as of September 2014 were originated during those years.When excluding the mortgages originated during 2004 to 2008, the nation’s serious delinquency rate drops by half from 4.2 percent down to 2.1 percent, according to CoreLogic.Boesel presented two graphs, one that demonstrated serious delinquency rate for all mortgages since 2004 and one that shows serious delinquency rate of “plain vanilla” mortgages (owner-occupied, fully-documented, 30-year-fixed rate, conventional conforming purchase mortgage with mid-to-high credit scores and moderate loan-to-value ratios). The serious delinquency rate was only slightly lower for the “plain vanilla” mortgages, and the loans with a 2005 through 2008 vintage still showed outsized serious delinquency rates, leading her to the conclusion that the impact of tighter lending standards on the declining serious delinquency rate has been minimal.”Given that forecasts for the economy and unemployment rate indicate slow and steady improvement and for house prices to continue to increase at a moderate pace, the excellent performance of current mortgage vintages gives some support to the notion that underwriting could be loosened in a responsible manner that still supports sustainable homeownership,” Boesel said in her report. The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: CoreLogic Serious Delinquency Rate Underwriting Standards Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Subscribe Related Articles Servicers Navigate the Post-Pandemic World 2 days ago Declining Default Rate Leaves Room to Loosen Underwriting Standards, Economist Says Previous: AACER: Bankruptcy Filings End Up and Down Year With Slight Increase Next: DS News Webcast: Thursday 1/8/2015 Demand Propels Home Prices Upward 2 days agocenter_img The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily January 7, 2015 947 Views The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Market Studies, News  Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago 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. Home / Daily Dose / Declining Default Rate Leaves Room to Loosen Underwriting Standards, Economist Says Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Brian Honea CoreLogic Serious Delinquency Rate Underwriting Standards 2015-01-07 Brian Honealast_img read more