Fastest-ever stock market crash! Keep calm and carry on with your Stocks and Shares ISA

first_img Enter Your Email Address Harvey Jones | Friday, 28th February, 2020 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. Image source: Getty Images. Simply click below to discover how you can take advantage of this. “This Stock Could Be Like Buying Amazon in 1997” Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! The coronavirus is shaking the world. Yesterday saw what has been called the fastest global stock market correction in history. The S&P 500 alone fell more than 10% in just six trading sessions, including a drop of 4.4% on Thursday.The FTSE 100 is also deep in correction territory after hitting its lowest level in a year. It’s down another 4% this morning to stand at around 6,500, a drop of 15% from its mid-January high of 7,674.5G 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…Panic has taken over. Tragically, COVID-19 is potentially life-shattering for those directly affected, and threatens to wreak havoc on the global economy, as countries close factories, ban travel, and postpone major sporting events. Globally, around £3trn has been wiped off share prices.But the first thing private investors should do is keep a cool head. Ok, the headlines are frightening, but please don’t make rash decisions, such as selling all the holdings in your Stocks and Shares ISA. That may seem a strange thing to say, given that stock markets are likely to fall further, but this standard investment advice holds true.Invest for the long termIf you sell now, you’re locking in your current losses. This means you’ll not benefit when stock markets recovers. Also, you face a tricky choice, such as when exactly to buy back into the market. The chances are you’ll call it wrong, because nobody can accurately time markets.Crucially, you’ll miss out on all your dividends while out of the market. If you hold tight and keep reinvesting these payouts for growth, they’ll pick up more stock, or fund units, than before, at today’s lower price. When the recovery comes, they’ll be worth more as a result. Current volatility could work in your favour.If you’re making a regular monthly investment into a Stocks and Shares ISA, or self-invested personal pension (SIPP), then keep it going. This is where regular investing comes into its own, as you pick up more stock at today’s depleted prices.It’s a personal decisionIf you need your money in the next few months, then it shouldn’t have been in the market in the first place. You should only invest money you will not need for five years, and ideally longer, as then you can afford to ignore nasty moments like this.Those who are retired and living off their investment income, say, through income drawdown, also need to be more cautious, to make sure they still have enough money to live on.For everyone else, the big question is whether you should take this as a buying opportunity. Clearly, it is. If there was ever a time to be greedy when others are fearful, to paraphrase billionaire investor Warren Buffett, this is it.Again, though, stay calm and think clearly. This bear market probably isn’t over yet. So brush up your watchlist of top FTSE 100 stocks. It will come in handy over the turbulent days ahead.center_img Fastest-ever stock market crash! Keep calm and carry on with your Stocks and Shares ISA Our 6 ‘Best Buys Now’ Shares Harvey Jones has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. 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. 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. 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 Harvey Joneslast_img read more

A cheap UK share (and a US stock) I’d buy before the ISA deadline

first_img Image source: Getty Images Our 6 ‘Best Buys Now’ Shares Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Royston Wild has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. 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. “This Stock Could Be Like Buying Amazon in 1997” 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. A cheap UK share (and a US stock) I’d buy before the ISA deadline Simply click below to discover how you can take advantage of this.center_img Enter Your Email Address See all posts by Royston Wild The April 5 deadline for ISA investors to max out this year’s allowance is just around the corner. I’ve been looking for cheap UK shares to buy before the time limit expires. And I’ve been hunting for top US shares to load into my Stocks and Shares ISA too.Here are two top stocks from both sides of the Atlantic I’m considering buying today.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…A UK share for an inflationary spikeI think Shanta Gold (LSE: SHG) could prove to be a top penny stock to buy as fears of rising inflation worsen. Precious metals prices have come off the boil recently. However, I think demand for so-called hard currencies could soar again as doubts concerning the value of their paper equivalents increase. A Bank of America survey shows that tension over an inflationary spike now dwarfs fund managers’ concerns over the Covid-19 pandemic.I’m also encouraged to buy Shanta Gold because production looks set to rise throughout 2020 as a third mill at its New Luika gold mine in Tanzania is set to come on-line. This explains why City analysts think earnings at the UK mining share will rise 90% in 2020. Incidentally this leaves the company trading on a forward price-to-earnings (P/E) ratio of just 6 times.Remember, though, that the business of raw materials production is replete with operational risk. The political environment in Tanzania has also been hostile to the mining industry in recent years. There’s always a real chance that these bright profits forecasts could be blown off course, pulling this share price significantly lower.Charge of the EV brigadeI also think that Blink Charging (NASDAQ: BLNK) could provide excellent shareholder returns as electric car sales take off. According to IHS Markit, a whopping 2.5m new electric vehicles (EVs) rolled off the forecourts in 2020. The number is predicted to swell to a staggering 12.2m by the middle of the decade.It’s a theme that Blink Charging — which creates and operates charging stations for EVs across the US — is well placed to exploit. This US share currently operates around 23,000 such stations and is expanding through a blend of organic investment and acquisitions. Bear in mind, though, that the company isn’t expected to turn a profit before 2023.High sales of EVs have been helped in large part by generous grants globally. So any sign of reductions in such incentives could have a significant impact on demand for Blink’s services. This week, for instance, here in the the UK the government reduced the maximum grant under its scheme by £500 to £2,500. It slashed the scheme’s purchase price cap to £35,000 from £50,000 as well. Authorities in the gigantic Chinese car market are also set to cut subsidies over the next couple of years. Similar proposals could once again rear their head in the US, though a quest to hit carbon-reduction targets could encourage lawmakers to keep the grants coming. We just don’t know at present. 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. 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. Royston Wild | Friday, 19th March, 2021 | More on: SHG BLNK last_img read more

15 driving and travel hacks for the summer trips to come

first_img Save my name, email, and website in this browser for the next time I comment. Please enter your name here Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Planning a road trip this summer? The idea of a road trip – making memories with your family, taking time to see sites you’ve never seen – all sounds really great. But the reality is that road trips, especially with several kids in the car, can be difficult and, at times, downright miserable. Support conservation and fish with NEW Florida specialty license plate Share on Facebook Tweet on Twitter 7. Restroom App Helps You Decide When to StopSitorSquat, made by Charmin, has rated all the restrooms for cleanliness so that you know where to go (and where not to go).8. Use GasBuddy to Find the Cheapest GasSpeaking of useful travel apps, if you haven’t discovered it yet, GasBuddy will help you find the cheapest gas along your route. All you have to do is put in your destination, and it will pick the best and cheapest place to fill up along the way.9. Pin Your Parking SpotParking in an unfamiliar area? Both Google and Apple maps allows you to drop a pin where you’ve parked. Some even do it automatically for you. It will tell you exactly where your vehicle is, so you never have to ask “where did I park?”10. Who to Ask for DirectionsMost of us use GPS, but in the case that you do get lost or your GPS does not have the place you are looking for, who should you ask for directions? Skip the gas station and find a food delivery place or hotel and ask them. They likely know the area better than anyone!11. What to Do When Your A/C Stops WorkingDuring the summer, one of the worst things that can happen during a road trip is that your A/C stops working. Here’s what to do – lower the front windows, keep the back windows closed, and you’ll still have a fairly cool car. The circulation of air is actually increased and it makes the breeze stronger.12. Eliminate Blind SpotsIf you’re renting a car and a little unfamiliar with it, positioning your mirrors is one of the first things you have to do. It’s also something that has to be constantly checked, because inevitably they get knocked out of position. The best way to position the mirrors is to position them so that your car is barely, if at all visible in them. This eliminates many of the blind spots along the side of your car.13. Five-Port ChargerWith a five-port charger, everyone’s devices can stay charged for the entire road trip!14. How to Avoid Traffic JamsFollow the trucks! Truckers tend to know a lot more about the driving conditions than the typical driver, because they talk with each other and share info. If there’s a traffic jam, pay attention to which lanes the trucks are using and follow their lead.15. Use a Cereal Container for TrashA cereal container is a perfect size for a  trash can in the car. This makes cleaning up while on a road trip easy and efficient. The Anatomy of Fear LEAVE A REPLY Cancel reply TAGStravel Previous articleApopka Rotarian of 60 years honors great grandsonNext article10 safety rules for natural gas appliances Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your comment! You can do something about it though. These clever road trip hacks help make travel more comfortable for you and your family.1.Keep Pets SafeIf you like to travel with your pet and want to make sure they’re safe, many companies make a safety seat just for them. Like a child’s seat, it’s rear facing and offers protection just in case something does happen.2. No GPS? No Problem – Create a Phone HolderFor those of us that don’t have a phone holder, a rubberband around your air vent makes a perfect one. It makes it so that you can easily view your GPS without holding or having your passenger hold your phone.3. Hang an Organizer on the Back of a SeatNeed something to hold drinks, tissues, snacks, or other things you need quick and easy access to, a shower or shoe organizer is great for everyone, especially kids. You’ll have activities and snacks without having to dig for things, and they don’t have to bug you for them.4. Use a Shower Caddy for Oil, Washer Fluid, Etc…Be prepared for anything that comes your way by bringing oil, antifreeze and washer fluid and store it a shower caddy. 5. Store Snacks in Empty Creamer BottlesFor storing snack items, empty creamer bottles are a great option. You simply wash it out, let it dry, and then fill it with whatever you want.6. Hang an iPadNeed some visual entertainment, but don’t have TV monitors in your vehicle. Hang an iPad off of a sun visor for a makeshift TV monitor. You have entered an incorrect email address! Please enter your email address herelast_img read more

Bethnal Green Mission Church / Gatti Routh Rhodes Architects

first_imgShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/903978/bethnal-green-mission-church-gatti-routh-rhodes-architects Clipboard Year:  Churches Price & Myers Photographs:  Jack Hobhouse Manufacturers Brands with products used in this architecture project Bethnal Green Mission Church / Gatti Routh Rhodes ArchitectsSave this projectSaveBethnal Green Mission Church / Gatti Routh Rhodes Architects Main Contractor: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/903978/bethnal-green-mission-church-gatti-routh-rhodes-architects Clipboard Projects ArchDaily Bethnal Green Mission Church / Gatti Routh Rhodes Architects Products translation missing: en-US.post.svg.material_description “COPY” Acoustic Consultant: Photographs OCSC Manufacturers: Bembe, IdealCombi, Saneux, Sto, Vitsœ, Wienerberger, dormakaba “COPY”center_img CURO Area:  2535 m² Year Completion year of this architecture project CopyChurches, Apartments•United Kingdom Save this picture!© Jack Hobhouse+ 44Curated by María Francisca González Share GUARDA LANDSCAPE Structural Engineer: Architects: Gatti Routh Rhodes Architects Area Area of this architecture project STACE RBA Acoustics Landscape Consultant: M&E Consultant: United Kingdom QS: Executive Architect:CAPITAL ARCHITECTURECdm Coordinator:STACEApproved Building Inspector:PREMIER GUARANTEEOther Consultants:Stained Glass by Coralie Bickford-SmithClient:THORNSETT GROUPCountry:United KingdomMore SpecsLess SpecsSave this picture!© Jack HobhouseText description provided by the architects. Bethnal Green Mission Church in London’s East End represents a ground-breaking model for contemporary places of worship in dense urban environments. Appearing as a robust urban block, the building is actually a complex mixed-use development with a church at its heart. The project was funded by the creation of 14 residences – known as the Macpherson Apartments after the church’s founder – as well as co-working facilities for charities, a community hall, café, community kitchen, foodbank store and vicarage. The new project, which replaces a former 50s building on the site, was designed by emerging architectural practice Gatti Routh Rhodes for a partnership between the Bethnal Green Mission Church and developers Thornsett.Save this picture!© Jack HobhouseThe exterior of the new building is defined by a regular concrete grid, with brick infill panels arranged in a raking monk bond. This pattern is inspired by a series of bold diagonal ribs that form the ceiling of the double-height church space, which are themselves references to the cross vaulting in traditional churches but reinterpreted to form a contemporary aesthetic. These beams penetrate into the office spaces above, forming gaps to bring more natural light into the space below and reinforcing visual connections between the different functions of the development. The crossing pattern is also picked up again in a dramatic blue and green stained-glass window – created by Coralie Bickford-Smith, an award-winning designer, illustrator and author.Save this picture!© Jack HobhouseSave this picture!© Jack HobhouseMany of the 14 flats (which also include a vicarge) on the upper levels are dual aspect, with inset balconies featuring views out over the historic local parks to the City beyond. Each residence has been designed with very high acoustic and thermal properties to shield the occupants from the noise of busy life on the streets below and the overground trains that run parallel to the building.Save this picture!© Jack HobhouseSave this picture!Section – PerspectiveSave this picture!© Jack HobhouseThe main community functions of the building are located underneath the ground floor café and another double-height space brings natural daylight into the areas used for local engagement projects. The lower level will play host to a number of important activities for the area, including a food bank, night shelter, after school clubs, youth groups and Christian-Muslim interfaith projects.Save this picture!© Jack HobhouseSave this picture!Exploded AxonometricSave this picture!© Jack HobhouseStructurally, Bethnal Green Mission Church was constructed in insitu concrete up to the second storey with Cross Laminated Timber panels above. This material was selected for its environmental performance, as well as the efficiency and speed of the build and the ability to meet the stringent height restrictions imposed in planning. This was later clad in precast concrete panels and site-laid brickwork, with a hammered concrete cross discreetly located on the eastern elevation.Save this picture!© Jack HobhouseProject gallerySee allShow lessTAB 2019 Installation Programme Competition: “Huts and Habitats”Built Projects & MasterplansOffice Building in Arada / Nelson ResendeSelected ProjectsProject locationAddress:Bethnal Green, London E2 6AU, United KingdomLocation to be used only as a reference. It could indicate city/country but not exact address. Share 2018 CopyAbout this officeGatti Routh Rhodes ArchitectsOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsReligious ArchitectureWorshipChurchesResidential ArchitectureHousingApartmentsUnited KingdomPublished on October 18, 2018Cite: “Bethnal Green Mission Church / Gatti Routh Rhodes Architects” 18 Oct 2018. ArchDaily. Accessed 11 Jun 2021. 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Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

Trump OUT – Time for workers to defeat racism, fascism

first_imgAn unprecedented 25,000 National Guard troops from 50 states plus thousands of local and Capitol police are expected to occupy the U.S. capital by Jan. 20. This armed force’s announced goal: Prevent a violent attack on the inauguration of the 46th president and allow a transition to the Joe Biden/Kamala Harris administration. Exit Trump.Philadelphia, Jan. 9.National Guard troops and state police guarded many state capitol buildings on Jan. 17 in anticipation of ultrarightist demonstrations. Few fascist protesters showed up, indicating their current cautious mood.Despite its disorganization and defeat after three hours, the Jan. 6 pro-fascist assault on the Capitol sowed terror in Congress and shocked the public. It aimed to stop the certification of the presidential election and keep Trump in office. The attack had his blessing, giving it the earmark of an attempted coup. The lack of punishment on the spot, the apparent collaboration by elements in the state apparatus with the fascists and the vast publicity the assault drew — all stoked credible fears that an even bigger attack might be launched during the inauguration.Now, leading up to Jan. 20, two forces confront each other. Both forces are repressive, and both serve the interests of the property-owning imperialist ruling class. Yet they must be distinguished from each other. One side is the “legal” power of the state apparatus — military, police, courts, prisons. The other is the “extralegal” paramilitary armed force of dozens of militia and fascist organizations, gathered under the banner of Trump and united by their extremist ideology of white supremacy.On the outside of this internecine confrontation is a third force: the working-class movement, including Black Lives Matter, migrant, union, women’s, LGBTQ2S+, environmental, disabled, youth and all other popular movements. This popular movement can be courageous and bold and win enormous support, as BLM did last summer. At this moment these sectors are mostly unarmed. They have united in their mutual opposition to Trumpism.Let’s take a closer look at the class forces confronting each other.The establishment state apparatus Reports from Washington describe the National Guard and police preparations as setting up a “Green Zone.” U.S. occupation forces in Baghdad used the same name for the area of the Iraqi capital containing the mammoth U.S. Embassy and other official buildings. In Baghdad’s Green Zone, U.S. troops set up auto crossings, used cement barriers to prevent truck bombings of buildings, carried out continuous surveillance and prepared for battle in an attempt to prevent attacks by the Iraqi resistance. The Green Zone was part of a war zone; it was part of U.S. imperialism’s occupation of Iraq.The biggest force on hand in Washington, D.C., is the National Guard. According to extensive media reports, the FBI, Secret Service, Capitol and Metropolitan police forces play a supplemental role. Federal and local police agencies have been investigating and arresting people identified as participants in the assault on the Capitol. While Congress managed to certify the election at around 3:45 a.m. Jan. 7 — after reconvening following the assault — nevertheless 147 Republicans voted against certification. That so many Republicans stayed with Trump’s Big Lie about the election results indicated he still had substantial ruling-class support, despite the revulsion voiced in most establishment media. In the next week, however, many ruling-class institutions abandoned Trump, even those who had previously supported him.  The Wall Street Journal, the National Association of Manufacturers, Deutsche Bank (a source of loans for Trump’s businesses) dumped him, and some Republican politicians jumped ship. Social media monopolies like Facebook and Twitter cut Trump off from direct media appeal to his base. Corporations and foundations which have supported Republican candidates financially promised to cut off funds from those who voted against certification.On Jan. 12, the eight generals who make up the Pentagon’s Joint Chiefs of Staff signed and sent a public letter to all 1.3 million members of the U.S. military. The statement condemned the “violent riot in Washington, D.C., on January 6, 2021,” called on all troops to avoid extremism and made the Pentagon’s position clear: “On Jan. 20, 2021, in accordance with the Constitution, confirmed by the states and the courts, and certified by Congress, President-elect Biden will be inaugurated and will become our 46th commander in chief.” Sending the message to all troops indicates that military leadership takes seriously the fact that veterans and a handful of active duty troops were in on the Jan. 6 attack on Congress. Since the Army is 40% people of color and the National Guard 25%, the generals fear that exacerbated racist animosity will wreck their force’s cohesion.Figuratively, ruling-class forces had a vision of a QAnon leader wearing horns (or even someone with orange hair) directing their fortunes. Most agreed that was a bad idea. The fascist forcesA great majority of local police around the country have supported Trump. Some individual cops participated in the assault on Congress, and many people with fascist ideology look to or are recruited by the police. While police officers are part of the legal state apparatus, they are susceptible to fascist and especially racist ideology.On Jan. 6, the leading fascist forces included the Proud Boys, the Oath Keepers, Boogaloo Bois (whose stated goal is to spark a racial civil war), assorted militias and some open KKK and Nazis — a replay of Charlottesville, Va., August 2017. They carry weapons to protests, invoking the Second Amendment. Most groups’ ideology is a mix of misogyny, xenophobia, anti-Semitism and anti-communism/socialism, but the main theme uniting them is white supremacy. Since 2017 the QAnon cult, which joined the fascists in the Capitol on Jan. 6, has become a mass phenomenon. It targets politicians and business leaders, mostly establishment Democrats, accusing them without evidence of those kinds of unspeakable crimes that arouse mass revulsion. QAnon looks to Trump as their champion, and he thanks them for their support.On Jan. 6, the president and his sleazebag cronies unleashed this hatred-driven mob on their rivals — including House Speaker Nancy Pelosi, other Democrats and even Vice President Mike Pence, whom they considered a traitor. The Trump cabal did this with the tacit support of a majority of Republican members of Congress, who were lined up to oppose Biden’s certification.Trump’s role inciting mayhemThe outgoing president’s urging played a key role. Hard-core fascists might be willing to take risks; they are ten times more willing if a U.S. president orders them to. That’s a tacit promise of impunity. And for the thousands there who were not as hard-core, the presidential push was enough to bring them along to support those ready to rampage.What made it vintage Trump was that he promised he would join the march, but didn’t. He considers the rioters “low-class” trash.What formed a perfect storm was the collaboration of the Capitol Police, whose leaders refused to prepare its defense. Even after Rep. Maxine Waters urged and questioned them on Dec. 31, they did little. Without their usual overwhelming might managing this protest, some police fraternized with the fascists. Others “did their job” protecting Congress. The result: fascists killed one cop, cops killed one attacker, three others died, including one attacker the fascists themselves trampled. Capitol Police Chief Steven Sund and others under him have since resigned.Those who incited the assault, like Trump and Rudy Giuliani, did so knowing that a crowd storming the Capitol might injure or kill their political opponents. Not to mention that a frenzied white-supremacist and misogynist mob might lynch any person of color they got their hands on — for example, the young progressive and outspoken women of color representatives of “the Squad,” like Alexandria Ocasio-Cortez, who rightfully feared such a threat.This type of pogrom has happened before in U.S. history, when KKK-led mobs deposed local governments where Black people held office, such as in Wilmington, N.C., in 1898. (tinyurl.com/y48n8pma)Unlike a military coup to put a junta in power or choose a new executive, the Jan. 6 assault needed only to stop the certification of Trump’s loss. It was similar to the U.S.-backed coups in Yugoslavia in October 2000 deposing Slobodan Milosevic and in Ukraine in February 2014 evicting Victor Yanukovich — both based on unproven claims of election fraud, both occurring with a Democrat in the White House. Similar fascist assaults intimidating politicians in Georgia, Pennsylvania and Arizona could have canceled the votes of cities with many African American and Latinx voters, reversed Biden’s victories and reelected Trump. In a phone call, the outgoing president had tried earlier to push Georgia’s Republican secretary of state to “find the votes” he would need to erase his loss there. It looks like Trump will have to leave on Jan. 20, and he may face another impeachment trial in the new Senate.Working-class responseOn Jan. 20 it is likely the massive presence of National Guard troops will discourage any mass fascist mobilization. However, the fascist movement can still recruit and take action far away from military concentrations.The crisis in capitalist society that fuels the growth of fascist and other irrational ideologies among the masses shows no signs of abating. COVID-19, the cyclical capitalist crisis after the pandemic has calmed — if that happens — and the climate crisis all threaten political stability in the center of world imperialism. The U.S. continues to lose prestige and power worldwide.To rely on the state’s repressive forces to stop a fascist upsurge in a growing crisis is to disarm the working class — which includes all sectors of people who depend on selling their labor power to survive — leaving it vulnerable. Assuming a smooth transition to the Biden/Harris government, the working class and people’s rights organizations of all nationalities and genders must wrestle with how to organize self defense against fascism, independent of the state apparatus. We encourage all groups to take the necessary steps.The movement must find ways to directly appeal to the rank-and-file troops of the National Guard and the Army to encourage anti-fascism and their refusal to turn their guns on the peoples’ movements. The stronger the popular movement grows and the more decisively it acts, the better it can win over “undecided” persons and neutralize those tempted to join the fascists.  WW PHOTO:  Joe PietteFacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

INFB Helps more Members Find Their Voice through Leaders in Action

first_imgHome Indiana Agriculture News INFB Helps more Members Find Their Voice through Leaders in Action Facebook Twitter leaders-in-actionAnother group of Indiana Farm Bureau members is now able to find their voice in new ways thanks to completing the Leaders in Action program, the 5th class to do so. Julie Klarich runs the program and tells HAT the leadership class was developed for “people that want to enhance their leadership skills within their community whether it’s through volunteer service or if they choose to go through being an elected official in their community.”She said the program provides each of its graduates with enhanced leadership skills, “and that is culminated through different sessions. The first session talks about local government, how a person can be engaged in local government. The second course is on self-leadership. The participants go through and write their mission statements. They discover what their core values are and they reflect on their leadership journey up to this point, and then the third session is all on communication, getting your point across in a quick and concise manner. The fourth session is about learning about the operations of Indiana Farm Bureau. They meet with all the team directors and then we culminate with our Washington DC trip in September.”Klarich agreed Leaders in Action is really about helping members find their voice and be comfortable using it.“We have had people come in fearful of speaking in front of people and at the very end of the class they give a two-minute presentation. Pretty much the biggest impact on people is their comfort level and speaking in front of people, and just feeling more positive about what their future endeavors are going to be as well.”“Personal development programs like Leaders in Action help our members find their voice,” said Randy Kron, Indiana Farm Bureau president. “We look forward to seeing these leaders continue to grow in Farm Bureau.”Nineteen members completed the program this year. Participants included Lyle Bulkhalter, Clinton County; Auna Badke, Elkhart County; Brian Richter, Fulton County; Stephen Williams, Fulton County; Barbara Pittsford, Henry County; Nichole Spencer, Huntington County; Christa Malone, Jasper County; John and Amanda Canary, Johnson County; Alan Mast, Kosciusko County; Ethan Hunter, Lawrence County; Kelly Shannon, Montgomery County; Janelle Burnworth, Noble County; Joe and Christine Blackford, Porter County; Pam Kline, Steuben County; Crystal Van Pelt, Steuben County; Vickie Althoff, Switzerland County; and Neil Moseley, Tippecanoe County.There is an application process if you would like to be considered for the 2017 class which opens in the middle of October. Details are online, and details on how to Find Your Voice through Farm Bureau membership can be found at www.infb.org/findyourvoice.Hear more from Julie Klarich:julie-klarich-on-leaders-in-action By Andy Eubank – Sep 29, 2016 INFB Helps more Members Find Their Voice through Leaders in Action Facebook Twitter SHARE Previous articleFarm Economy Slumping into Fourth Quarter 2016Next articleSlow Pace of Harvest Helping with Grain Movement and Storage Andy Eubank SHARElast_img read more

Georgian TV channel’s deputy director resigns under pressure

first_img GeorgiaEurope – Central Asia Media independence Conflicts of interestFreedom of expressionEconomic pressure At least five journalists attacked while covering Georgia’s election campaign Help by sharing this information October 1, 2020 Find out more Receive email alerts RSF_en February 5, 2020 – Updated on February 14, 2020 Georgian TV channel’s deputy director resigns under pressure Organisation GeorgiaEurope – Central Asia Media independence Conflicts of interestFreedom of expressionEconomic pressure Mounting pressure on Georgia’s media in run-up to elections July 20, 2020 Find out more Follow the news on Georgia to go further Concern about alleged plot to murder Georgian TV host Credit: Adjara TV News News Reporters Without Borders (RSF) is concerned about the latest example of political pressure undermining media pluralism and free speech in Georgia – Natia Zoidze’s resignation this week as deputy director of Adjara TV, a regional public TV channel based in the coastal city of Batumi.“My resignation is not voluntary,” Zoidze announced in a Facebook post on 2 February, adding that it was the result of a “political process.” In December, she had accused the TV channel’s new director, Georgi Kokhreidze, of applying pressure for a change in editorial policies.The TV channel’s “alternative” trade union issued a statement on 3 February blaming Zoidze’s departure on “interference in editorial independence” and reporting that it was not an isolated case. “The outflow of professional and ethical staff from this broadcaster has become a permanent feature,” the statement added.After Adjara TV staff members accused the new director of interfering in their work on 30 September, a demonstration in support of the staff was held in Batumi on 6 October.“Natia Zoidze’s resignation is indicative of the growing political pressure on state-owned media in Georgia,” said Jeanne Cavelier, the head of RSF’s Eastern Europe and Central Asia desk. “At the same time, government allies are increasingly getting control of critical or independent media, such as Rustavi 2. In the run-up to next October’s parliamentary elections, we ask the Georgian authorities to guarantee media independence and pluralism, which are essential for a democratic debate.”Georgia’s TV channels suffer from politically-biased government measures. The finance ministry’s announcement on 24 December that it would begin to seize overdue taxes from several TV companies prompted accusations from civil society and from the opposition to the ruling Georgian Dream party that it was applying the sanctions selectively.The government agreed to postpone collection of the 15 million euros owed by leading commercial channels Imedi TV and Rustavi 2, but stepped up the pressure on small, critical TV channels such as TV Kavkasia and TV Pirveli.Dramatic changes at Rustavi 2 in the course of 2019 have transformed the Georgian media landscape. Previously Georgia’s most popular TV channel and champion of the opposition, Rustavi 2 completely changed its editorial policy after its ownership reverted to previous owner Kibar Khalvashi as a result of a European Court of Human Rights ruling.The change in ownership led to the departure of the majority of the newsroom including director-general Nika Gvaramia, who was fired and who has since been prosecuted by the Georgian authorities on a charge of “abuse of power.” The authorities have also prosecuted Avtandil Tsereteli, the father of TV Pirveli’s founder.Georgia is ranked 60th out of 180 countries in RSF’s 2019 World Press Freedom Index. News News June 18, 2020 Find out morelast_img read more

Castro Expresses Optimism, Addresses Challenges Facing Housing in ‘Fireside Chat’

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / Castro Expresses Optimism, Addresses Challenges Facing Housing in ‘Fireside Chat’ Related Articles The Best Markets For Residential Property Investors 2 days ago January 21, 2015 1,245 Views Demand Propels Home Prices Upward 2 days ago Fireside chats Housing Opportunity HUD Julian Castro Zillow 2015-01-21 Tory Barringer Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Castro Expresses Optimism, Addresses Challenges Facing Housing in ‘Fireside Chat’ in Daily Dose, Featured, Government, News Subscribecenter_img Demand Propels Home Prices Upward 2 days ago About Author: Tory Barringer Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Tagged with: Fireside chats Housing Opportunity HUD Julian Castro Zillow Servicers Navigate the Post-Pandemic World 2 days ago Hours after President Obama delivered his annual State of the Union address, HUD Secretary Julián Castro took a slightly smaller stage to discuss his department’s efforts to boost homeownership in 2015.In a live-streamed “fireside chat” with Zillow Chief Economist Dr. Stan Humphries, the secretary reiterated that 2015 will be a “year of housing opportunity,” reusing a phrase he coined in a National Press Club appearance earlier this month.Castro based his optimism on what he called a “confluence of factors” he believes will encourage more potential homebuyers to take the plunge this year, including a leveling off in home prices, lower entry barriers to mortgage credit, and falling costs—helped by an imminent reduction in Federal Housing Administration (FHA) annual mortgage insurance premiums and the Federal Housing Finance Agency’s (FHFA) directive for Fannie and Freddie to accept mortgages with lower down payments.”All of those things add up to greater opportunity to move from renting to buying in 2015,” Castro said.When it comes to making the transition from renting to owning a home, he acknowledged that there are challenges, particularly as rising rental costs make it difficult for consumers to save up for a down payment. Stagnant wages have also presented a problem in that area, though Castro asserted that they’re “moving in the right direction.”Another major challenge the secretary addressed Wednesday morning was the issue of credit availability, which he said has kept a lot of mortgage applicants with “what historically would have been considered pretty good credit” from buying a home. Through November, the average FICO score for an approved loan application in 2014 was about 726, according to mortgage services provider Ellie Mae.In addition to the FHA premium cut and the push for lower down payment options, Castro highlighted HUD’s “Blueprint for Credit Access,” an initiative to expand credit offerings to qualified borrowers through counseling programs and clarified lending rules.Though some critics have argued that opening up mortgages to a larger pool of borrowers will degrade loan quality, Castro maintained that won’t be the case.”Policies have fundamentally changed to create safeguards so that we can offer the opportunity to own a home for people who are ready and responsible to buy,” he said.Regarding the government’s role in the mortgage market, the secretary was hesitant to offer an idea of what he believes is an appropriate amount of presence, though he did say he supports efforts to bring in more private capital.However, he added that he believes the government has a role to play, particularly in serving low- to moderate-income borrowers and in providing a backstop for the securities market, two functions he said are “vital pieces of housing finance going forward.””We have to remember how we were able in the United States to build up the homeownership rate to where it is today,” he said. “FHA certainly played a significant role in that, and for our part at HUD, we hope it continues to.”  Print This Post Previous: Economist Breaks Down Why Obama Omitted Housing Policy From State of the Union Address Next: Indices Report Monthly Increases for Mortgage Default Rates Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Tory Barringer began his journalism career in early 2011, working as a writer for the University of Texas at Arlington’s student newspaper before joining the DS News team in 2012. In addition to contributing to DSNews.com, he is also the online editor for DS News’ sister publication, MReport, which focuses on mortgage banking news. last_img read more

Household Formation Has Accelerated After Eight Years at Low Levels

first_img Related Articles The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago October 16, 2015 3,245 Views Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, News Tagged with: CoreLogic Dr. Frank Nothaft Household Formation Rates Immigration Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Brian Honea Home / Daily Dose / Household Formation Has Accelerated After Eight Years at Low Levels Share Save Demand Propels Home Prices Upward 2 days agocenter_img Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago CoreLogic Dr. Frank Nothaft Household Formation Rates Immigration 2015-10-16 Brian Honea 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. Previous: SunTrust, Comerica Offer a Mixed Bag in Q3 Results Next: Chris Christie Wants Parties to Find Common Ground on Housing Policy Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Household Formation Has Accelerated After Eight Years at Low Levels A missing ingredient needed to bolster the housing recovery has been a stronger pace of household formation—which is beginning to pick up after eight years of running at low levels, according to CoreLogic Chief Economist Frank Nothaft in the company’s recently released September MarketPulse.The two primary drivers of household formation over time are demographic and economic factors, according to Nothaft. For example, household growth averaged about 2 percent annually from the mid-1960s until the early 1980s when baby boomers were at the prime household formation age, but household formation rates halved from 1990 until the mid-2000s when the population of those born in the 1970s, a much smaller birth cohort, reached their 20s.As an example of the economy affecting household formation rates occurred during the Great Recession of 2008, when job layoffs or employment losses caused many young adults (and others) to either move in with relatives or share housing with roommates rather than get their own home, Nothaft said. As a result, household formation rates fell to their lowest level since the end of World War II.That trend might be reversing, Nothaft said. In the first half of 2015, the number of new households grew by 1.7 million from the same period in 2014, the largest growth experienced in a decade. Labor market improvements have also played a role in the recent acceleration in household formation, according to Nothaft.“As the job market has improved, many millennials now have the financial independence to form their own household, and we anticipate that the pent-up desire of young workers to live on their own will sustain household growth of about 1.2 million per year, on average, for several years,” Nothaft said, citing a report from the Joint Center for Housing Studies at Harvard University that forecasted new household growth of between 11 million and 13 million over the next decade depending on the pace of immigration in the United States.Immigration, while not the primary driver of household formation, has been an important factor, Nothaft said. The region that has produced the largest number of legal immigrants to the United States in the last decade has been Asia. More legal immigrants settle in the most populous state, California; 20 percent of all the nation’s legal immigrants live in the Golden state, and half of those were born in Asia, according to the U.S. Department of Homeland Security.“In the U.S., immigrants have helped to support the housing recovery by forming households, renting or buying homes, and thus supporting home values in many hard-hit housing markets,” Nothaft said. “With household formation now rising among the native-born population, the higher level of formations may provide the catalyst for more substantive gains in new home construction in the coming year, aiding the overall housing recovery.”last_img read more

Allahabad HCBA Secretary & President Write To Chief Justice Highlighting Difficulty In VC Hearings & E-Filing [Read Letters]

first_imgNews UpdatesAllahabad HCBA Secretary & President Write To Chief Justice Highlighting Difficulty In VC Hearings & E-Filing [Read Letters] LIVELAW NEWS NETWORK22 July 2020 2:04 AMShare This – xHony. Secretary of the Allahabad High Court Bar Association, Prabha Shanker Mishra, has addressed a letter to the HC Chief Justice, urging him suspend the functioning of the High Court until proper arrangement for physical/ video conference hearings are made. “Today, i.e., on July 22, 2020, I personally inspected the Video Conference facility made available by the High Court and the…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginHony. Secretary of the Allahabad High Court Bar Association, Prabha Shanker Mishra, has addressed a letter to the HC Chief Justice, urging him suspend the functioning of the High Court until proper arrangement for physical/ video conference hearings are made. “Today, i.e., on July 22, 2020, I personally inspected the Video Conference facility made available by the High Court and the same is absolute chaotic. Advocates are experiencing a lot of trouble with this arrangement and they are not ready to work in this manner. The arrangement made by the HC prior to the VC cubicles was appropriate. Your lordship is requested to either make proper arrangements for e-filing, Manual filing, Video Conferencing or Physical hearing, else it is impossible to work in the present state of affairs. Therefore, you are requested to suspend the functioning of the High Court, in view of the Covid crisis,” the letter reads. On May 30, 2020, the High Court had offered the facility of “VC Cubicles” and “eSewa Kendras”, i.e. onsite and offsite Video conferencing facility, to enable those Advocates to appear before the High Court who do not have internet access or other technological infrastructure. Through his letter, Mr. Mishra has highlighted that the arrangements at these facilities are not adequate and has therefore urged that the functioning be suspended. Significantly, the Allahabad High Court has remained closed since July 14 until July 21, due to rapid surge in the number of active Corona Virus cases in the city. The functioning has only been restored today.In addition to this, the President of the HCBA, Senior Advocate Amarendra Nath Singh, has also, by way of a separate letter, ventilated the Advocates grievances wrt the “impractical” system of e-filing. “I would most humbly state that 99% of the lawyers of the Allahabad High Court are not technically trained for e-filing of cases due to which the said system of only e-filing is further damaging the damaged livelihood prospects of the lawyers, who are on the brink of starvation. … It is also not very clear as to how the counter and rejoinder affidavits in the presently listed cases are to be exchanged which is also causing a lot of confusion and hardship,” the letter reads. He has expressed the difficulty in holding online arguments through VC hearings, while reiterating the plight of VC cubicles, and has thus urged the Court to restore the system of physical hearings, with enforcement of social distancing norms. “The System as developed by this Hon’ble High Court for online arguments by sending link as well as creation of cubicles is also not serving the purpose hence it is a most humble submission the previous system together with the present may be continued wherein the lawyer could manually as well as e-file the cases, it could very well be possible to sanitize the manually filed cases before they are sent for hearing before the Hon’ble Court,” he has urged. Another important aspect raised in the letter is that due to closure of photo-affidavit center, there is no income to the High Court Bar-association which is unable to pay the salaries of its employees. Hence the President has prayed that the previous system of manual filing, together with e-filing and e-hearing may be continued.[Updated] Click Here To Download Secretary’s LetterClick Here To Download President’s Letter Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Storylast_img read more