Gartmore fund managers exit due to takeover

first_img KCS-content whatsapp whatsapp Gartmore fund managers exit due to takeover Share Tags: NULL More From Our Partners 980-foot skyscraper sways in China, prompting panic and evacuationsnypost.comA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.org Thursday 10 March 2011 7:51 pm THREE key Gartmore fund managers will exit as a result of it being taken over by Henderson. Anglo-Australian fund manager Henderson will also axe 14 Gartmore funds, as it completes its takeover of the British firm.Senior Gartmore managers Dan Roberts, John Anderson and Leigh Himsworth will not join Henderson following the takeover, ceding control of billions of pounds worth of assets to their former rivals.The trio, alongside a number of other managers, previously managed around 16 per cent of Gartmore’s £16.5bn of assets under management (AUM).However, the funds will be rebranded under the Henderson banner, with the hope that no money follows the managers out of the door. The newly formed group will have around £78bn AUM.Gartmore’s John Bennett, who ran around €3.6bn (£3.1bn) in assets, much of it inherited from departed star fund manager Roger Guy, emerges as a notable beneficiary of the merger, retaining control of his portfolios.Gartmore looked to Bennett to fix its damaged reputation when it started the search for a buyer last year as its shares slumped after losing key fund managers. Show Comments ▼ last_img read more

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Golden Star Resources Limited (GSR.gh) Q32018 Interim Report

first_imgGolden Star Resources Limited (GSR.gh) listed on the Ghana Stock Exchange under the Mining sector has released it’s 2018 interim results for the third quarter.For more information about Golden Star Resources Limited (GSR.gh) reports, abridged reports, interim earnings results and earnings presentations, visit the Golden Star Resources Limited (GSR.gh) company page on AfricanFinancials.Document: Golden Star Resources Limited (GSR.gh)  2018 interim results for the third quarter.Company ProfileGolden Star Resources Limited is a gold mining and exploration company which owns and operates the Wassa open-pit gold mine and Wassa underground mine in Ghana as well as a carbon-in-leach processing plant located near Tarkwa, Ghana. The gold mining company also has interests in the Bogoso gold mining and processing operation, Prestea open-pit mining operations and the Prestea underground development project located near Prestea, Ghana. Golden Star Resources Limited holds and manages interests in various gold exploration properties in Ghana and Brazil. Its headquarters are in Toronto, Canada. Golden Star Resources Limited is listed on the Ghana Stock Exchangelast_img read more

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Will the Aston Martin share price accelerate in 2021?

first_imgWill the Aston Martin share price accelerate in 2021? Get the full details on this £5 stock now – while your report is free. FREE REPORT: Why this £5 stock could be set to surge Our 6 ‘Best Buys Now’ Shares Simply click below to discover how you can take advantage of this. See all posts by Christopher Ruane 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. christopherruane 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.center_img Enter Your Email Address Watching a car made by Aston Martin Lagonda (LSE: AML) tear around hairpin bends on a race track can be exciting — but sometimes alarming. That matches the experience of some shareholders of the firm. The Aston Martin share price has had its share of crashes and acceleration in recent years.So can the Aston Martin share price recover this year and would I buy it?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…Aston Martin share price performanceBefore looking forward, it is a worth a glance in the rear view mirror.In the past year, the Aston Martin share price has tripled. An increase of 212% is certainly impressive. But that doesn’t take the share price back to where it was previously. The shares are still trading at more than 80% down on their 2018 listing price. So even after revving up lately, the shares are still a long way from where they began.Positive drivers for the share priceThis month Aston Martin released its first-quarter results. They contained some positive signs for the company, in my view.Sales were up sharply from the same period last year, when the pandemic was starting to impact car demand. Wholesale volumes leapt 134%.The top-selling car was the company’s sports utility vehicle, the DBX. That has been a large part of the company’s recovery plan. It even built a new factory specifically to produce it. So the sale of 746 units in the quarter looked like good news.Additionally, the company managed to improve its performance on the profits front and actually reported £20.7m of adjusted earnings before interest, tax, depreciation and amortisation (EBITDA).But the company’s debt pile means interest is a big expense. I prefer to look at the pre-tax loss, which stood at £42.2m. That was still significant. But it was smaller than the £110.1m loss it booked in the same quarter last year.Future plansThe company’s management has set out aggressive plans to return it to financial health. These include around 10,000 wholesale sales per year. The annual revenue target is about £2bn, generating roughly £500m of adjusted EBITDA.In its announcement, the company expressed its current confidence in its ability to hit these targets. That’s a strong statement of intent. This year, for example, it expects to sell around 6,000 units. Aston Martin share price risks – and my next moveInvesting in Aston Martin shares has been a bumpy ride where the environment can change rapidly.I think positive news like the company has just released will help the momentum of its shares even more this year. The Aston Martin share price is already less than 5% away from the £20 level I thought it could hit this year.But I continue to be wary of the risks. The debt pile generates a significant interest bill. This year alone, interest payments will eat up £125m of cash. The debt risks eating substantially into free cash flow.The company has also been willing to dilute shareholders considerably to help raise more funds. With its future still looking challenging, I see this as an ongoing risk. Any dilution would reduce the stake in the company each share represents.For those reasons, I continue to avoid Aston Martin shares. Christopher Ruane | Friday, 14th May, 2021 | More on: AML Image source: Aston Martin 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. Are you on the lookout for UK growth stocks?If so, get this FREE no-strings report now.While it’s available: you’ll discover what we think is a top growth stock for the decade ahead.And the performance of this company really is stunning.In 2019, it returned £150million to shareholders through buybacks and dividends.We believe its financial position is about as solid as anything we’ve seen.Since 2016, annual revenues increased 31%In March 2020, one of its senior directors LOADED UP on 25,000 shares – a position worth £90,259Operating cash flow is up 47%. (Even its operating margins are rising every year!)Quite simply, we believe it’s a fantastic Foolish growth pick.What’s more, it deserves your attention today.So please don’t wait another moment.last_img read more

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Letter from South Africa – December 2015

first_imgIt’s all happening in SA where the new Super Rugby franchise, the Southern Kings are in disarray, while the Stormers have missed out on John Mitchell. Thankfully, we have Schalk Burger… SUPER RUGBY SHAMBLESThe 2016 revamped Super Rugby tournament is only two months away and at the time of writing Japan’s franchise, the Sunwolves, were still in search of a coach and a core group of contracted players. In South Africa things are not much better after the South African Rugby Union (SARU) had to step in and take over the running of the Southern Kings.The Southern Kings franchise are theoretically supposed to be under the management of the Eastern Province Rugby Union (EPRU). But that organisation is bankrupt with player’s salaries continuously going unpaid. SARU eventually had to take over the running of the franchise, but the union still has to manage its own affairs. The upshot is that SARU’s Rugby Department general manager Rassie Erasmus, has taken over as a de facto director of rugby for the Southern Kings. Erasmus appointed former SA under-20 assistant coach Deon Davids as Kings head coach. SARU has also so far contracted 20 players to the Kings (still woefully short of a full playing roster), and formed a new company to run the Super Rugby outfit.Damage limitation: Rassie Erasmus (left) has been installed at the chaos-stricken Southern Kings“There has been a lot of overheated speculation about all manner of things but we have not lost sight of our responsibility,” SARU chief executive Jurie Roux said.“Our only desire has been to rescue the Southern Kings from the parlous state in which they found themselves and put together a competitive squad to represent the people of the Eastern Cape with pride in Super Rugby.“A new company has had to be formed to do that and with the assistance of the South African Rugby Players’ Association (SARPA) we have signed a number of the Eastern Province Kings whom our Rugby Department identified as fitting into a Super Rugby squad.“Our implementation team is in discussions with other unions and players to complete the signing of the squad that we have in mind.”STORMERS LET ANOTHER BIG FISH SLIP AWAYFormer Springbok centre Robbie Fleck was named as Stormers interim head coach following Eddie Jones’ departure after a two-week tenure as Stormers mentor.Jones had barely unpacked his suitcase before the Rugby Football Union (RFU) made him an offer he couldn’t refuse.Western Province Rugby Football Union (WPRFU) director of rugby Gert Smal was left embarrassed by Jones’ departure and vowed to find another heavyweight coach to take the franchise forward as Allister Coetzee’s replacement.No deal: John Mitchell looks like he’s slipped through the net for the StormersSmal targeted former All Black coach John Mitchell, who has the experience and the philosophy of playing an attacking brand of rugby that the Stormers are looking to implement in 2016. Mitchell flew to Cape Town and it was all but a done deal, until several amateur, elected officials on the WPRFU board decided against it. Smal was sideswiped by the very men that employ him to make big rugby decisions and they instead insisted that long-time assistant coach Fleck be made interim head coach. Mitchell was phlegmatic at the 11th hour turn of events. “We could not come to an agreement,” Mitchell said. “There was too much politics. At least this long, long process played itself out. I would never go into anything unless there was unanimous support from the board.”Smal might have to reconsider his position, while Fleck knows he wasn’t first or second choice. That will be a tough burden to carry if results don’t go his way.BURGER IN LINE FOR SA PLAYER OF THE YEARYou can’t keep Schalk Burger down. After near death in 2013, he is among the five nominees for the 2015 SA Player of the Year title after another stellar season.The 32-year-old was one of the stand out performers at Rugby World Cup 2015 and could win his third gong when the winner is announced early next year. LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Burger won his first player of the year award as a 21-year-old in 2004 when he took the crown after a blistering season in which the Boks won the Tri-Nations as well. He was also rewarded with the World Player of the Year crown.Incredible Schalk: Schalk Burger topped many of the charts at the World CupIn 2011 in the immediate aftermath of a failed Rugby World Cup, Burger again won the SA title. Little did he know it then, but his career would almost come to end in the ensuing 24 months.After sustaining a knee injury in the early part of 2012, Burger had set back after set back, culminating in bacterial meningitis that nearly took his life in mid 2013. Making it back on to the field was an achievement. Making it back to the pinnacle of the game defied logic.Earlier this year, at the Laureus Sports Awards (the Oscars of sport) Burger received the comeback of the year award and since then he has been in excellent form for the Springboks.He was one of the stand out performers at the recent World Cup making the most carries (96) and making the second most tackles (75) and the third most offloads (8). But even so he faces stiff competition.Fellow Boks Lood de Jager, Eben Etzebeth and Damian de Allende are also up for the award alongside uncapped Lions flank Jaco Kriel.BLITZBOKS WIN INAUGURAL CAPE TOWN SEVENS TITLEOver 106,000 people attended the inaugural Cape Town leg of the HSBC World Sevens Series and were rewarded with victory by the home team.The latest stop of the 10-city Series was a raging success with World Rugby chief executive Brett Gosper declaring Cape Town the “new sevens rugby capital.”Home comforts: The Blitzbokke picked up the spoils in Cape TownThe Blitzboks overcame a first day 14-12 loss to Kenya in the Pool phase to win beat Argentina 29-14 in the final after seeing off Australia and France in the quarterfinals and the semi-final.The Cape Town Stadium in Greenpoint, built for the 2010 football World Cup, provided a spectacular setting in the heart of the city.The city has been trying to entice Western Province and the Stormers to make the state-of-the-art facility their new home, but discussions have broken down over lease and rent terms. After the success of the Sevens there is a renewed energy to make the move happen. One of the greats: Schalk Burger has had a stellar year for the Boks last_img read more

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This is what adults do

first_imgThis is what adults do Rector Knoxville, TN [Religion News Service] It was a week for grown-ups.When Republican partisans lambasted New Jersey Gov. Chris Christie for collaborating with a Democratic president to rescue a state devastated by Hurricane Sandy, he tweeted, “We are adults. This is what adults do.”When residents, officials and even runners themselves called on New York Mayor Michael Bloomberg to cancel Sunday’s New York City Marathon as an inappropriate “prance” through a storm-damaged city, the mayor reversed an earlier decision and canceled. This is what adults do.Many marathoners, in turn, donned their orange race shirts and carried food and supplies to Staten Island, then stayed to help desperate homeowners reclaim flooded houses. This is what adults do.Officials of electric utilities, transportation systems and schools stood before cameras and told it straight. Some will get restored first, and here’s why. Some schools won’t be able to reopen, and here’s why. No blaming. Just facts. This is what adults do.In its remarkable nonstop coverage of the storm and its aftermath, New York’s WCBS-2 sent reporters out to the areas where people live. There they listened to residents and enabled an entire region to hear the tragic stories of homes lost, lives lost, jobs lost. This is what adults do.We experienced the heroism of first responders. We saw adults in action: medical personal rescuing patients at two hospitals that needed to be evacuated, parents comforting frightened children, firefighters moving toward danger. This is what adults do.When gasoline stations began to run out of fuel, drivers got in line, waited their turn, and, except for the occasional fistfight, seemed to grasp the need to be fair and calm. This is what adults do.Many residents who had electricity ran extension cords out to sidewalks and invited neighbors to charge their cell phones. Civic-minded techies set up makeshift offices to help neighbors. This is what adults do.Religious institutions jumped in with food, clothing, water and comfort. Volunteers from St. Mark’s Church-in-the-Bowery, for example, climbed to the top floors of Lower East Side tenements and found elderly residents trapped by infirmity and desperate for help. This is what adults do.Hurricane week wasn’t a total victory for adulthood. In wealthy neighborhoods untouched by Sandy, residents who pay dearly to get their needs met insisted that nannies, doormen and custodians leave their own storm-damaged homes to honor employment contracts. High-end suburbanites in Long Island demanded preference because, they argued, they pay such high property taxes. Some disappointed marathoners staged an impromptu in-your-face run that took them merrily past bedraggled residents lining up for gasoline.Sometimes, they showed, adulthood doesn’t always mean acting like an adult.Tempers are fraying as recovery drags on, even here in a city that takes pride in its resilience. Even though people understand why the economic hub of Manhattan gets restored first, it’s still galling for residents of Queens to see Midtown glistening while they are burning furniture for heat.After the most dreadful political season in memory, I took heart as leaders stepped up to lead and as adults stepped up to do what adults do. Those who have actual responsibilities carried them out, while those who lust for power were ignored. Those whose families were actually in danger put family first, while “family values” partisans were ignored.This is what adults do.– Tom Ehrich is a writer, church consultant and Episcopal priest based in New York. He is the author of “Just Wondering, Jesus” and founder of the Church Wellness Project. His website is www.morningwalkmedia.com. Follow Tom on Twitter @tomehrich. Bishop Diocesan Springfield, IL Marylin Day says: Sid Gardner says: Associate Rector for Family Ministries Anchorage, AK Rector/Priest in Charge (PT) Lisbon, ME November 7, 2012 at 7:42 pm Just because I don’t agree with your politics, I can’t tell you thanks and I appreciate your help? Gosh, even my mother said to thank my great-aunt when she gave me presents that were “the wrong size” or for “children of a much younger age” because it is the thought and intent that counts. Being nice counts! November 7, 2012 at 7:29 pm I believe the GOP partisans lambasted Gov. Christie not for collaborating with President Obama to provide relief, but for overly praising him at that particular time, in a very closely contested campaign for the Presidency of the United States. November 7, 2012 at 11:29 pm Great thought – I wish this could appear on the desk of every elected official at all levels to help them remember they are elected not to advance their Party’s agenda but to govern the Nation, State, or municipality. An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Submit a Job Listing Rector Collierville, TN In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 November 8, 2012 at 9:43 am I too have been heartened by communities coming together after Sandy.However, I’m pretty sure that the tweet you mention, if you’re referring to the one that said, “Today I’m touring NJ with President Obama. Yes, he’s a Democrat, and I’m a Republican. We’re also adults, and this is how adults behave” was actually from the fake Twitter feed for Chris Christie (@GovChristieNJ). If you had at the other tweets from this feed you would have seen, “During our recovery, remember this: Give a man a fish, he’ll eat for a day. Teach a man to fish, well, you know how I feel about teachers.” His verified twitter feed is @GovChristie, and I was unable to find the tweet you mentioned there.There are a lot of fake Twitter feeds generated for laughs and not actually trying to fool anybody (such as the Spanglish Bloomberg feed @ElBloombito). There have also been a lot of photoshopped pictures of Sandy that WERE trying to fool people just for 15 minutes of viral fame. This requires that we investigate these things further before we give them credence. Featured Events Submit an Event Listing Rector Hopkinsville, KY Rector Smithfield, NC Comments (5) Director of Administration & Finance Atlanta, GA Press Release Service Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Doug Desper says: Rector Bath, NC November 9, 2012 at 4:56 pm People need to hold NYC’s elected leaders accountable for the response to the crisis. The politicians want to control aspects of peoples’ lives down to how large a soda can be sold and consumed, and nary a leaf of tobacco in public, but they have yet to develop a sufficient infrastrure for feeding, sheltering, and restoring services. Only – and I mean unwillingly – only after a lot of outcry did it occur to Mayor Bloomberg that it was obscene to hold a marathon complete with laden sandwich/meal tables, generators that could power dozens of dwellings, and water poured over sweating athlete heads in the plain sight of people trapped in darkened homes without food, water, electricity or heat. Remember: elections have consequences. You get what you vote for. A Nanny State government that controls peoples lives should not be preferred to a government that safeguards lives. Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET Rector Belleville, IL The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group Family Ministry Coordinator Baton Rouge, LA Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York Nate May says: Rector Albany, NY Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Associate Rector Columbus, GA center_img By Tom EhrichPosted Nov 7, 2012 Rector Tampa, FL Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Curate Diocese of Nebraska AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Rector Washington, DC Rector Shreveport, LA Rector (FT or PT) Indian River, MI This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Youth Minister Lorton, VA Submit a Press Release Priest-in-Charge Lebanon, OH Priest Associate or Director of Adult Ministries Greenville, SC An Evening with Aliya Cycon Playing the Oud Lancaster, PA (and streaming online) July 3 @ 7 p.m. ET Cathedral Dean Boise, ID Featured Jobs & Calls New Berrigan Book With Episcopal Roots Cascade Books Rector Pittsburgh, PA Course Director Jerusalem, Israel Director of Music Morristown, NJ Assistant/Associate Rector Morristown, NJ TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab Canon for Family Ministry Jackson, MS Virtual Episcopal Latino Ministry Competency Course Online Course Aug. 9-13 Rector Martinsville, VA Assistant/Associate Rector Washington, DC Episcopal Church releases new prayer book translations into Spanish and French, solicits feedback Episcopal Church Office of Public Affairs Scott O. Murdoch says: Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Rector and Chaplain Eugene, OR Assistant/Associate Priest Scottsdale, AZ Curate (Associate & Priest-in-Charge) Traverse City, MI Missioner for Disaster Resilience Sacramento, CA Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET Associate Priest for Pastoral Care New York, NY Comments are closed.last_img read more

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Bankruptcy courts ill-prepared for tsunami of people going broke from coronavirus…

first_imgShare on Facebook Tweet on Twitter LEAVE A REPLY Cancel reply Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Please enter your comment! By Paige Marta Skiba, Economist, Professor of Law, Vanderbilt University; Dalié Jiménez, Professor of Law, University of California, Irvine; Michelle McKinnon Miller, Associate Professor of Economics, Loyola Marymount University; Pamela Foohey, Associate Professor of Law, Indiana University, and Sara Sternberg Greene, Professor of Law, Duke UniversityAs more Americans lose all or part of their incomes and struggle with mounting debts, another crisis looms: a wave of personal bankruptcies.Bankruptcy can discharge or erase many types of debts and stop foreclosures, repossessions and wage garnishments. But our research shows the bankruptcy system is difficult to navigate even in normal times, particularly for minorities, the elderly and those in rural areas.COVID-19 is exacerbating the existing challenges of accessing bankruptcy at a time when these vulnerable groups – who are bearing the brunt of both the economic and health impact of the coronavirus pandemic – may need its protections the most.If Americans think about turning to bankruptcy for help, they will likely find a system that is ill-prepared for their arrival.It’s a hard roadThere are many benefits to filing bankruptcy.For example, it can allow households to avoid home foreclosure, evictions and car repossession. The “automatic stay” triggered at the start of the process immediately halts all debt collection efforts, garnishments and property seizures. And the process ends with a discharge of most unsecured debts, which sets people on a course to regain some financial stability.The process helps the average household erase approximately US$50,000 in unsecured debt – such as payday loans and credit card and medical bills.We know from our empirical research, however, that filing for bankruptcy comes with costs. In a Chapter 7 case, known as a liquidation when a debtor’s property is sold and distributed to creditors, households may be required to surrender some of their assets. The post-bankruptcy path to financial stability is often bumpy.In a Chapter 13 reorganization case, households must commit to making monthly payments equal to their disposable income for three to five years. But the majority of people, unfortunately, are unable to keep up with their payments for that long and do not end up eliminating their debts.Monetary costs can also be substantial. Attorney fees average $1,225 to $3,450. Court fees are over $300. And of course, there are also other downsides, such as social stigma, negative credit and lower future earnings.Pent-up demandNonetheless, struggling Americans may find bankruptcy one of few viable options to address their worsening money problems, particularly as the pandemic shows no signs of ending soon.Yet, as a consequence of nationwide shelter-in-place orders, consumer bankruptcy filings have declined significantly in recent weeks.In the last 10 days of March, when states began issuing such orders, we found that Chapter 13 filings fell 45% compared with the last 10 days of March 2019, based on a docket search on Bloomberg Law. Filings in all of April – when most states were under lockdown – plunged 60%, while Chapter 7 filings were down 40%.This suggests that there’s pent-up demand for bankruptcy protection – in terms of what we’d normally expect – on top of the impact from the coronavirus recession.The current limited physical access of many bankruptcy courts presents additional problems, especially to already vulnerable groups. There is significant variation in how courts are handling the situation, but most require access to technology. This means that ethnic and racial minorities, seniors and people living in rural areas face systemic barriers to filing because of their more limited access to transportation and technology.Self-represented filers, who navigate bankruptcy alone to avoid the hefty attorneys’ fees, face additional challenges and make up approximately 9% of bankruptcy cases. These filers typically have lower income and fewer assets – and thus are less able to afford the benefits of having an attorney – and are more likely to be black.In some districts, only attorneys can file electronically, so people handling the process themselves must mail in their petition or find some other way of getting it to the courts, such as via physical drop boxes.But such methods still assume access to technology. A computer, the internet and a printer are needed to access and print the petition. Libraries and other institutions that traditionally provide technology access for those who do not have it are, for the most part, closed.Some courts are allowing initial email submission of the petition from those without attorneys, but petitioners are still required to follow up by sending original documents via the mail or drop boxes. Access to a computer, the internet and a printer remains necessary.Finally many states require “wet signatures” on bankruptcy petitions. That is, people have to sign their names in ink, as opposed to using an electronic signature. To smooth filings while courts are physically closed, several states have waived this requirement for those using an attorney.But even then, access issues still abound. People must first send their attorney the vast array of documents needed for filing – typically amounting to dozens of pages. Filers still need to be able to copy, scan and email documents. For those without computer access, they have to mail original documents, a somewhat risky proposition when important papers could get delayed, stolen or lost.A bad time to fileIn other words, the middle of a pandemic is not the best time to file for bankruptcy.But with limited debt forbearances, over 30 million out of work and insufficient employment aid, we expect to see a great deal more distress – both financial and otherwise – in the coming months.And without more aid to individuals soon, U.S. bankruptcy courts will likely face a tsunami of filings, not only from average Americans but companies as well. This will clog up the system, which is why many experts are calling on Congress to shore up bankruptcy courts with more judges and funding.But a first priority should be shoring up individuals, for whom bankruptcy is seen as a last resort. If more aid isn’t forthcoming, the bankruptcy system may be too overwhelmed to handle even that.This article is republished from The Conversation under a Creative Commons license. You have entered an incorrect email address! Please enter your email address here The Anatomy of Fear TAGSBankruptcyCoronavirusCOVID-19DebtThe Conversation Previous article2020 or 1320? Meet the new bartering crazeNext articleCity of Apopka cancels this Friday and future antibody testing until further notice Denise Connell RELATED ARTICLESMORE FROM AUTHOR Support conservation and fish with NEW Florida specialty license plate Please enter your name here Save my name, email, and website in this browser for the next time I comment.last_img read more

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England Saxons win in George to take South Africa ‘A’ series 2-0

first_imgWednesday Jun 22, 2016 England Saxons win in George to take South Africa ‘A’ series 2-0 The England Saxons won the series against South Africa ‘A’ when they beat them 29-26 in the second of the two match series in George on Friday.The Saxons won the first match 32-24 but were behind 26-8 in this one before coming back in the second half, and securing the series with a late Christian Wade try.“We’re delighted to come away with the win. You don’t get second chances in international rugby and so it was great to get that done,” said captain Dave Attwood.Match highlights above but you can also watch extended highlights from each half on page twocredit: supersport1st half highlights2nd half highlightsADVERTISEMENT Posted By: rugbydump Share Send Thanks Sorry there has been an error Related Articles 81 WEEKS AGO scottish prop saves fire victim 84 WEEKS AGO New Rugby X tournament insane 112 WEEKS AGO Vunipola stands by his comments supporting… From the WebThis Video Will Soon Be Banned. Watch Before It’s DeletedSecrets RevealedUrologists Stunned: Forget the Blue Pill, This “Fixes” Your EDSmart Life ReportsYou Won’t Believe What the World’s Most Beautiful Girl Looks Like TodayNueeyGranny Stuns Doctors by Removing Her Wrinkles with This Inexpensive TipSmart Life ReportsIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier Living30+ Everyday Items with a Secret Hidden PurposeNueeyThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancellast_img read more

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Lluvia House / PPAA Pérez Palacios Arquitectos Asociados

first_img Houses Photographs:  Rafael GamoTeam:Pablo Pérez Palacios + Alfonso de la Concha Rojas, Miguel Vargas, José Hadad, Ignacio Rodríguez, Armando Rosas, Fabián ArellanoMore SpecsLess SpecsSave this picture!© Rafael GamoRecommended ProductsWindowsC.R. LaurenceCRL-U.S. Aluminum Unit-Glaze SystemGlassSolarluxGlass Canopy – SDL AcubisWoodAccoyaAccoya® Cladding, Siding & FacadesRenders / 3D AnimationVectorworksVectorworks ArchitectText description provided by the architects. Lluvia is a single-family residence located in Jardines del Pedregal, southern Mexico City. It is located in a residential area, and the site has neighboring constructions. One of its main qualities is the natural vegetation found at the back, which became an important asset in the architectural scheme.Save this picture!© Rafael GamoSave this picture!© Rafael GamoSave this picture!Save this picture!© Rafael GamoThe house is conceived as a solid volume that incorporates subtractions along the main axis; these are formed as small courtyards and double heights depending on the program. Our main intention was to merge sections of the main forest-like garden with the interior of the house and let in natural light.Save this picture!© Rafael GamoProject gallerySee allShow lessSavoy Residence / Rh+ ArchitectureSelected ProjectsBar & Pavilion Belém / Ricardo Bak GordonSelected Projects Share Lluvia House / PPAA Pérez Palacios Arquitectos Asociados ArchDaily ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/931665/lluvia-house-ppaa-perez-palacios-arquitectos-asociados Clipboard Arquitectos: PPAA Pérez Palacios Arquitectos Asociados Area Area of this architecture project Lluvia House / PPAA Pérez Palacios Arquitectos AsociadosSave this projectSaveLluvia House / PPAA Pérez Palacios Arquitectos Asociados Projects Year:  ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/931665/lluvia-house-ppaa-perez-palacios-arquitectos-asociados Clipboardcenter_img Photographs CopyHouses• 2018 Area:  600 m² Year Completion year of this architecture project CopyAbout this officePPAA Pérez Palacios Arquitectos AsociadosOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesmexico cityPublished on January 10, 2020Cite: “Lluvia House / PPAA Pérez Palacios Arquitectos Asociados” [Casa lluvia / PPAA Pérez Palacios Arquitectos Asociados] 10 Jan 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogPanels / Prefabricated AssembliesTechnowoodSiding Façade SystemWindowsMitrexSolar WindowMetal PanelsAurubisPatinated Copper: Nordic Green/Blue/Turquoise/SpecialMetal PanelsDri-DesignMetal Panels – CopperIn architectureSikaBuilding Envelope SystemsExterior DeckingLunawoodThermowood DeckingMembranesEffisusFaçade Protection – Breather+Metal PanelsPure + FreeFormCustom Metal Cladding – Legacy Fund 1 BuildingWood Boards / HPL PanelsInvestwoodWood Fiber Partition Walls – ValchromatDoorsLinvisibileLinvisibile FILO 10 Vertical Pivot Door | BrezzaSkylightsFAKROEnergy-efficient roof window FTT ThermoToilets / BidetsBritexToilets – Accessible Centurion PanMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream Save this picture!© Rafael Gamo+ 25Curated by Clara Ott Share “COPY” “COPY”last_img read more

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Delegation from Philadelphia makes #Big Push for Puerto Rico

first_imgA delegation from Philadelphia that included members of the International Action Center, Philadelphia REAL Justice and Workers World Party traveled to Puerto Rico in a work brigade in early November following hurricanes Irma and María.  As a result of generous donations from the Calvary United Methodist Church in West Philadelphia, they were able to bring 18 solar-powered lights and USB charger kits to distribute to families in mountainous regions which lacked access to electricity.However, support from the church did not stop there.  Inspired by the work of the IAC’s delegation, the congregation raised funds to send more solar kits to Puerto Rico.  The IAC has offices at the Calvary Center for Culture and Community, which is housed at the CUMC.The congregation turned their annual holiday concert on Dec. 17 into a benefit to provide more solar kits and other supplies for community organizations in Puerto Rico. Almost three months after the powerful storms hit, electricity, water and other necessities are still scarce because of the U.S. government’s refusal to supply adequate aid.The event featured the big band sound of Big Push.  A number of other performers joined in CUMC’s neighbor-to-neighbor action for Puerto Rico. They included Jesse Roemer and EZUZ, the improv-fusion band Interminable and legendary Philly funk band Breakwater.  Vocalists Aaron Lewis, Zara Sims and Theresa Marsh performed, along with the Calvary Choir.  Nine-year-old Asaf Berrios, an amazing steel drum player, and his father Raúl, who had recently arrived from Puerto Rico, gave a special performance.Joe Piette and Mike Wilson, members of the IAC delegation, described their brigade’s work and what they witnessed in Puerto Rico.  They urged the audience to continue their support.   Students and faculty from the Workshop School in Philadelphia also participated by selling items that students had produced.  They donated their proceeds toward the purchase of a solar kit.The evening ended with all the performers and audience members joining in a carol singalong. Donations to support this fundraising effort can be made at www.allmeansall.org/donate.html. Write “Puerto Rico” in the “Comments” section on the donation page.HOW TO HELPCommunity organizations in Puerto Rico are welcoming direct donations.  They include the following groups.Taller Salud deals with women’s health. See tallersalud.com and contact by phone at 787-876-3440.Viequense en Rescate Inc.:  This group supports the Vieques Island community. See https://www.facebook.com/viequesenrescateinc.Contact Elba Oquendo at 787-640-8372.Centro para el Desarrollo Político Educativo y Cultural (Comedores Sociales de Puerto Rico/community kitchens):  This awesome group feeds University of Puerto Rico students who otherwise would go hungry to their classrooms.  See https://www.cdpecpr.org/apoyo, where you can donate via PayPal. Email [email protected]   FMPR Puerto Rico Teacher’s Federation: They organize against the privatization of public education and set up work brigades to clear roads and bring water, food and supplies to people who have not received any help from the Federal Emergency Management Agency or the government: https://www.gofundme.com/solidaridad-victimas-huracan-mariaEducamos: This teachers’ union is battling privatization of public education. Contact Eva Ayala, president. https://www.facebook.com/groups/51198242638Casa Pueblo — http://casapueblo.org: This is a grassroots community organization which promotes self-sufficiency and ecological energy sources, including solar lights. Located in Adjuntas, and in existence for 36 years, it is  one of the oldest ecological organizations in Puerto Rico.Alianza Pro Desarrollo Económico de Ceiba (Aprodec):  This is a newer ecological, self-sufficiency and self-sustainable organization located in the eastern part of Puerto Rico. After struggling to get a community space in the vast territory where the U.S. Navy is located, they finally got a building to house their organization. Their aim is to develop this area, which was devastated by the presence of the U.S. Navy. See aprodec.net for information.  Or call 787-354-6188.WW photos: Joseph PietteFacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

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BlackBerry services suspended

first_imgNews Reporters Without Borders deplores yesterday’s announcement by the Telecommunication Regulatory Authority that certain BlackBerry services such as email, messaging and web browsing will be suspended from 11 October because it has failed to reach a compromise with Research in Motion, the Canadian company that manufactures BlackBerry smartphones.The Emirati authorities accuse Research in Motion of refusing to comply with the EAU’s laws and say they fear that the country’s security could be endangered by encrypted data transiting through foreign servers to which they have no access.Reporters Without Borders sees the announcement as the continuation of the government’s attempts to control information and new technology and, in particular, to get control of data transferred by BlackBerry technology.A compromise must be found that does not limit the freedom of the Emirati population, Reporters Without Borders said, urging the authorities to rescind this decision.The Emirati authorities claim that crimes can be committed using BlackBerry services without their being able to identify who is responsible. BlackBerry users have already been arrested. They include Badr al-Dhohori, who has been held since 15 July for an initial attempt to organise a demonstration that was later abandoned. He has just been sentenced to a month in prison and a fine equivalent to one month’s salary (http://en.rsf.org/united-arab-emirates-wave-of-arrests-of-blackberry-29-07-2010,38048.html).Reporters Without Borders hopes that the EAU announcement will not set a regrettable precedent that encourages other countries to follow suit.The Saudi authorities told the country’s telecommunications companies today that BlackBerry messaging services would be suspended during August for failing to comply with government and social standards. The suspension did not apply to email. The Indian interior minister has meanwhile threatened to suspend Research in Motion’s activities in India if it denies the authorities access to encrypted data. RSF_en Organisation RSF joins Middle East and North Africa coalition to combat digital surveillance News to go further United Arab EmiratesMiddle East – North Africa United Arab EmiratesMiddle East – North Africa RSF joins other NGOs in amicus brief in WhatsApp suit against NSO Group Newscenter_img Follow the news on United Arab Emirates April 28, 2021 Find out more August 2, 2010 – Updated on January 20, 2016 BlackBerry services suspended June 8, 2021 Find out more NSO Group hasn’t kept its promises on human rights, RSF and other NGOs say Receive email alerts News Help by sharing this information December 23, 2020 Find out morelast_img read more

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