Barratt beats forecasts but warns of dip

first_img whatsapp More From Our Partners Biden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgKiller drone ‘hunted down a human target’ without being told tonypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgFlorida woman allegedly crashes children’s birthday party, rapes teennypost.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.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgPuffer fish snaps a selfie with lucky divernypost.comUK teen died on school trip after teachers allegedly refused her pleasnypost.comMatt Gaetz swindled by ‘malicious actors’ in $155K boat sale boondogglenypost.com980-foot skyscraper sways in China, prompting panic and evacuationsnypost.comInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comFeds seized 18 devices from Rudy Giuliani and his employees in April raidnypost.comMark Eaton, former NBA All-Star, dead at 64nypost.comSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comI blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.com HOUSEBUILDER Barratt Developments said concerns about the economy and the lack of mortgage finance meant the market for new housing was still challenging as it reported better-than-expected full-year profits.“It’s early days in the autumn-selling season but so far private reservation rates are in line with expectations and prices are holding up,” chief executive Mark Clare said. KCS-content Barratt beats forecasts but warns of dip House prices fell much faster than expected last month, according to a monthly survey from mortgage lender Nationwide, stoking concerns the UK may be heading for a double-dip recession. Barratt, which is building more houses rather than flats at present, said it would continue to focus on prices rather than volume and would not reinstate dividends, unlike rivals Bovis and Persimmon.For the year to the end of June, Barratt reported an operating profit of £90.1m, up from £34.2m one year ago. Barratt had said in July it would report an operating profit of at least £85m for the year thanks to a strong second-half performance.Clare said the year had also seen a fall in the proportion of investors buying homes, with sales at 10 per cent from 25 per cent previously.Also yesterday, Berkeley Group, which differs from Barratt in that it primarily develops upmarket apartments in London, said it was seeing strong interest from international buyers looking to invest in the capital. Wednesday 8 September 2010 7:57 pm Share Show Comments ▼ Tags: NULL by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastNoteabley25 Funny Notes Written By StrangersNoteableyMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailSerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity TimesBetterBe20 Stunning Female AthletesBetterBemoneycougar.comThis Proves The Osmonds Weren’t So Innocentmoneycougar.comElite HeraldExperts Discover Girl Born From Two Different SpeciesElite Heraldautooverload.comDeclassified Vietnam War Photos The Public Wasn’t Meant To Seeautooverload.comZen HeraldThe Truth About Why ’40s Actor John Wayne Didn’t Serve In WWII Has Come To LightZen Herald whatsapp last_img read more

Mashonaland Holdings Limited (MASH.zw) 2009 Abridged Report

first_imgMashonaland Holdings Limited (MASH.zw) listed on the Zimbabwe Stock Exchange under the Property sector has released it’s 2009 abridged results.For more information about Mashonaland Holdings Limited (MASH.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the Mashonaland Holdings Limited (MASH.zw) company page on AfricanFinancials.Document: Mashonaland Holdings Limited (MASH.zw)  2009 abridged results.Company ProfileMashonaland Holdings Limited is a property investment and development company in Zimbabwe, providing solutions to the retail, commercial and industrial sector. The Office/Retail division acquires, develops and leases warehouse and factories and the Pure Retail acquires, develops and leases retail outlets; with other divisions involved in acquiring, letting and managing residential and specialised property aswell as undeveloped land. Mashonaland Holdings Limited owns an in-house management division responsible for letting and maintaining privately-owned properties; and a property research and development division which identifies potential property investments and development opportunities. A financial division maintains company accounts according to regulatory accounting standards, invests funds in approved instruments and acquires properties for shareholder investments. Mashonaland Holdings Limited is listed on the Zimbabwe Stock Exchangelast_img read more

Saints and sinners: The weekend’s talking points

first_imgHe’s Scot the lot: Stuart Hogg runs in his second try against Ireland on Saturday (Pic: Getty Images) It made pretty poor viewing and let’s hope for something better next time to encourage the more casual supporter to get along to Edinburgh’s new home.For the latest Rugby World subscription offers, click here. THE SAINTSHogging the headlinesThe BBC showed a great graphic ahead of the Scotland-Ireland game on Saturday, highlighting the total absence of Scotsmen from Lions Test XVs over the past three tours.Tom Smith, in 2001, was the last Scot to start a Lions Test but Stuart Hogg will surely end that drought in June after his blistering two-try performance that left the Irish too much to do at Murrayfield.To be fair, Hogg, whose nine Six Nations tries is a national record, was already in most people’s prospective Lions XVs – he’s just making the issue clear-cut.Unless of course the Lions opt to pick Leigh Halfpenny at the back because of his goal-kicking. The Welshman netted 18 points in Rome to take his haul in the past four Tests to 64 and it will be interesting to watch him climb the all-time points list. Currently he’s 22nd on 624, with Grant Fox (645) next in his sights.A Shade unfortunateAnother full-back, another kicker. Danielle Waterman scored her 22nd try in 23 women’s Six Nations games as England fought back from 13-0 down at half-time to beat France at Twickenham.It put ‘Nolli’ joint top on the all-time Six Nations try list alongside Sue Day and Emily Scarratt, whose almost perfect display of goal-kicking enabled the Red Roses to record a third successive win over the reigning champions since their defeat in last year’s championship. Scarratt landed 16 points in the 26-13 victory.Fightback: England celebrate Amy Wilson Hardy’s late try that sealed victory over France (Inpho)Arguably the performance of the weekend, though, was by Scotland’s women, who came agonisingly close to ending a 63-month winless run. Not since their friendly win over the Netherlands in November 2011 had they achieved a ‘W’ but they pushed Ireland to the wire in Cumbernauld, only to succumb 22-15 to Jenny Murphy’s last-gasp try.No 8 Jade Konkel, Scotland’s only full-time player, scored two tries but poor penalty misses by half-backs Sarah Law and Helen Nelson ultimately proved costly for Shade Munro.Weighty mattersWe could listen to Jonny Wilkinson for hours, but a hat-tip for fellow ITV pundit Sir Clive Woodward this week after his comment on Six Nations evolution.“I just wish there was this lovely thing called relegation,” said the ex-England boss. “If you had, say, Georgia, coming up and then one team coming down, then you’re going to really see this kick in, teams going for four tries (to chase a bonus point). No one’s going to get relegated, I just think it should go to another step.”Hopeful: Georgia are knocking at the Six Nations door, but for now there’s no access (AFP/Getty)Well said, and well said too Dave Flatman, who came up with the line of the day. “You wouldn’t want to share a rickshaw with any of them,” he said, when discussing the heavyweight French props.Actually, it would be interesting to see the rickshaw driver’s face when the 24st Uini Atonio clambered in.Henry’s empathyHenry Trinder, once close to an England cap, has had desperate ill luck with injuries so it was wonderful to see him mark his first game at Kingsholm for nine months with a try.  Gloucester won the Anglo-Welsh tie against the Dragons 24-13.And he earned the respect of all for the way he responded to a nasty injury to academy player Elliott Creed late in the game, the 20-year-old being carried from the field with a broken ankle.Centre partner Trinder stayed by his side while Creed was treated and helped carry the stretcher off the pitch. Nice gesture.Helping hand: Henry Trinder is tackled during Gloucester’s Anglo-Welsh win over Dragons (Getty)Howells that for classWelsh interest in the Anglo-Welsh Cup is over for another year but not for the want of trying. The Ospreys ended Wasps’ 14-month, 20-match unbeaten run at the Ricoh Arena with a 31-22 success, and if you see a better offload than the one by full-back Dafydd Howells that put Jay Baker over then you’ve been blessed.Moment of magic: Ospreys full-back Dafydd Howells beats Frank Halai (left) and holds off Brendan Macken before setting up Jay Baker’s try with a glorious offload (Huw Evans Agency)Also catching the eye was the line and pace shown by Tigers hooker George McGuigan for his try at Saracens, and Tom Whiteley’s classy footwork for the winning score in the same game.Saracens now host Leicester again in next month’s semi-finals while Exeter entertain Harlequins – raising the prospect of a repeat of the 2015 final that Saracens won 23-20 before the competition took a break last season.South Africa untouchableIt had been nine years since a team won three of the first four tournaments in the World Sevens Series, but South Africa matched New Zealand’s feat by thumping England 29-14 in the HSBC Sydney Sevens.England had beaten the Blitzboks 21-15 in their pool on the Saturday, but it counted for nought as the South Africans harried Simon Amor’s team out of their stride, turning the ball over with choke tackles as England went too high into contact.Lean machine: Branco Du Preez and Phil Burgess in action during the Cup Final in Sydney (Getty)Seabelo Senatla signed off with 17 tries in his final two tournaments and was named Player of the Final in both Wellington and Sydney. He has scored 189 tries series since joining the series in 2013 and departs to Super Rugby with the Stormers as one of the all-time sevens greats.“I’m not gone forever, so would say it was a great way to press pause in my sevens career,” he said.Looks like he might get a winner’s medal in the post in May – South Africa lead the standings by 17 points, with only England (68) and Fiji (64) remotely in touch.THE SINNERSGardner’s worldWorld Rugby seem to have given up on their quest to rid the game of crooked scrum feeds, but the England-France match took the biscuit.At the first scrum, Baptiste Serin fed the ball sharply into the French second row and Australian Angus Gardner let it go. The pattern was set and both Serin and Ben Youngs continued in similar vein for the rest of the match.It makes a mockery of the law book and while straight feeds don’t really exist now, most referees will at least punish the more blatant ones. Time you did the same, Mr Gardner.“Bending the laws”: Angus Gardner had a liberal interpretation at scrum time (Icon Sport/Getty)Pass, pass, pass!‘White line fever’ is usually applied to instances where forwards try to force their way over the try-line from close range when there are unmarked backs screaming for the ball out wide.In the Northampton-Scarlets match, Alex Waller found himself dashing in the open spaces with a two-man overlap in oodles of space. Easy as you like – except that the Saints prop failed to give the pass. We trust he has been told not to do that again.Drab spectacleHeartening to see more than 5,000 people file into Myreside for Edinburgh’s Friday night Pro12 match with Munster.On the run: Tyler Bleyendaal in Munster’s win at Edinburgh that put them top of the Pro12 (Inpho)Players can’t control the weather but they are responsible for their skills, and most of the kicking was woeful. Rory Scannell and Jason Tovey were the chief culprits – with several touch-finders going out on the full – and there were more than 20 handling errors. LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALSlast_img read more

Brian Lima’s career ending tackle on Wilkinson

first_imgFriday Sep 28, 2007 Brian Lima’s career ending tackle on Wilkinson Brian Lima’s career is effectively over. The Zidane of this years Rugby World Cup has been suspended for three weeks for this high tackle on Jonny Wilkinson, and with Samoa not making it to the next round means we won’t see the veteran in World Cup action again.ADVERTISEMENTLima was spoken to by the referee for the high tackle during the England vs Samoa clash, but the Judicial Officer involved in the citing felt it deserved further punishment.“The tackle was inherently dangerous and the swinging right arm of Brian Lima connected with considerable force on the neck/throat of Jonny Wilkinson.”Three weeks for this tackle is once again inconsistent and harsh in this instance, but perhaps had a little something to do with his previous big hit on Andre Pretorious that went unpunished.Either way, we bid farewell to The Chiropractor, who made an invaluable contribution to Samoan and world rugby over the years. 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 RevealedYou Won’t Believe What the World’s Most Beautiful Girl Looks Like TodayNueeyDoctors Stunned: She Removes Her Wrinkles With This Inexpensive TipSmart Life ReportsHere’s What That Tiny Hole Next to Your Iphone Camera Actually DoesNueey10 Types of Women You Should Never MarryNueeyMen, You Don’t Need the Blue Pill If You Do This (Try Tonight)Smart Life ReportsThe 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

Highlanders vs Hurricanes – Super Rugby Round 12

first_imgSunday May 13, 2012 Highlanders vs Hurricanes – Super Rugby Round 12 Highlights of the Highlanders vs the Hurricanes from DunedinADVERTISEMENT Posted By: rugbydump Share Send Thanks Sorry there has been an error Super Rugby 2012 Highlights Related Articles 465 WEEKS AGO Bulls vs Lions Highlights – Super Rugby Round… 465 WEEKS AGO Sharks vs Cheetahs – Super Rugby Round 18… 465 WEEKS AGO Stormers vs Rebels Highlights – Super Rugby… 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

Toni Pulu beats half the Taranaki team for sensational individual try

first_imgThursday Aug 30, 2018 Toni Pulu beats half the Taranaki team for sensational individual try Former Chiefs winger Toni Pulu scored this sensational solo try when Counties took on Taranaki in Mitre 10 Cup action on Wednesday. Pulu bounced one man then scythed through another six for a highly impressive score late in the game.Unfortunately for Counties, his great work was undone when Taranaki hit back directly from the restart, leading to their 26-19 New Zealand provincial championship round two win.The 29-year-old flyer has done some incredible things on the rugby field over the years, and recently signed a two year deal with the Brumbies for Super Rugby. While perhaps some questions can be asked of the defence, individual moments of brilliance should receive all the plaudits they deserve, and this was one such moment. Just count the players he skinned.There was also an amusing celebration from his left wing, who clearly appreciated the conditions. ADVERTISEMENT Posted By: rugbydump Share Send Thanks Sorry there has been an error Great Tries Related Articles 26 WEEKS AGO Incredible athleticism for sensational try… 26 WEEKS AGO ARCHIVE: Suntory score amazing try to upset… 26 WEEKS AGO WATCH: All 12 tries from EPIC Bristol-Clermont… From the WebThis Video Will Soon Be Banned. Watch Before It’s DeletedSecrets RevealedYou Won’t Believe What the World’s Most Beautiful Girl Looks Like TodayNueeyUrologists Stunned: Forget the Blue Pill, This “Fixes” Your EDSmart Life ReportsGranny 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

River Room / Shaun Lockyer Architects

first_imgphotographs:  Scott BurrowsPhotographs:  Scott Burrows Westera Partners + 15 Share “COPY” River Room / Shaun Lockyer ArchitectsSave this projectSaveRiver Room / Shaun Lockyer ArchitectsSave this picture!© Scott BurrowsHouses•Brisbane, Australia 2012 Focus Build Area:  292 m² Area:  292 m² Year Completion year of this architecture project Year:  Australia River Room / Shaun Lockyer Architects Projects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/380465/river-room-shaun-lockyer-architects Clipboard ArchDaily ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/380465/river-room-shaun-lockyer-architects Clipboard CopyAbout this officeShaun Lockyer ArchitectsOfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesBrisbaneHousesAustraliaPublished on June 03, 2013Cite: “River Room / Shaun Lockyer Architects” 03 Jun 2013. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogSinkshansgroheBathroom Mixers – MetrisVinyl Walls3MVinyl Finish – DI-NOC™ EffectPartitionsSkyfoldIntegrating Operable Walls in a SpaceBricksEndicottBrick Facade at the Bruce Nesbitt African American Cultural CenterBathroom FurnitureBradley Corporation USAToilet Partition CubiclesSkylightsLAMILUXGlass Skylight F100 CircularLightsLouis PoulsenOutdoor Lighting – Flindt GardenRailing / BalustradesSolarluxBalcony Glazing – SL 60eUrban ShadingPunto DesignPublic Architecture in Residential ComplexDoorsLinvisibileLinvisibile Products in Palazzo VolpiChairshorgenglarusUpholstered Chair – diva 5-154Wall / Ceiling LightsHE WilliamsLED Downlight – 4DR RoundMore 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 Year:  2012 Photographs General Contractor: “COPY” Houses Architects: Shaun Lockyer Architects Area Area of this architecture project CopyArchitect In Charge:Shaun Lockyer ArchitectsDesign Team:Jen Lambkin, Corinne BoltonCity:BrisbaneCountry:AustraliaMore SpecsLess SpecsSave this picture!© Scott BurrowsRecommended ProductsCeramicsApariciPorcelain Tiles – TangoKitchen Furniture / CountertopsEGGERSplashback PanelsCeramicsTerrealTerracotta Baguettes in Vork CenterEnclosures / Double Skin FacadesRodecaRound Facade at Omnisport Arena ApeldoornText description provided by the architects. This project involved the refurbishment and extension to a 1990’s cottage that had been substantially damaged during the January 2011 Brisbane River floods. The existing house enjoyed north east aspect river frontage but had very a poor connection to the river as well as massively underutilised living areas. The primary scope for the project involved the reconfiguration of the existing deck area into the “River Room”, conceived of an indoor/ outdoor space that could be calibrated by the clients to use year round. The space involves a chamfered trapezoid plan with a highly articulated glazed north-east facade. The glazed wall forms a solid barrier to the cold winter breezes while allowing complete openness and transparency during the warm summer months.Save this picture!Floor PlanThe historic barrier between the internal and external spaces has been replaced by beautifully crafted timber doors such that the entire space can be opened up as one area or divided up to suit heating or cooling requirements. A seamless floor surface link the areas such that a deliberate degree of ambiguity exists between what is inside and what is outside.The existing internal living areas have been reconfigured in the planning and upgraded in finish, such that they now fully enjoy and experience the connection to the river. The project was very cost effectively built and was handed over to the clients one year to the day of the original flood event.Save this picture!© Scott BurrowsWhat contribution does the design make to the lives of the inhabitants?The design offers a permanent and unfettered connection to the river which had previously been unexploited. The new spaces are oriented to capture warm winter sun and light in the previously cold and dark house with the additional ability to close up the outdoor spaces affording year round use of the area. Equally in summer, the new space can be adjusted to control the amount of breeze within the space which was previously unusable during windy periods (which were common). The main bedroom now also has a river view (and breeze) as well as a new ensuite.Save this picture!© Scott BurrowsRelationship of Built Form to Context: The relationship to the street is unchanged by virtue of the work being carried out to the rear of the house only (the front of the house is on a relatively busy street, requiring it to be discreet) while the rear of the house has been dramatically changed to take full advantage of its setting. The context on this side of the house is all about extraversion and transparency, both of which are achievable due to the privacy that the river offers. The extension is a deliberate counterpoint to the low and closed up existing house. Save this picture!© Scott BurrowsProgram Resolution: Functional performance assessed against the briefThe brief given to us was largely of a pragmatic nature with a desire to open up spaces and make better use of the existing space. The completed work involved very little additional area by virtue of the introduction the operable glass wall, a device that in effect allowed us to add less area but make better use of it. This move created a totally new experience, and a much more climatically responsive space. This was an outcome achieved that was way outside of the clients expectation, particularly in light of the small budget. Save this picture!© Scott BurrowsIntegration of Allied Disciplines: Contribution of others, including engineers, landscape architects, artists and other specialists to the outcomeThis project was carried out with a team we have worked with many times before and as such enjoyed a very close relationship between the builder, architect, sub-contractors and client. Sub-contracts such as the timber doors as well as the frameless glass windows were the most critical for the projects outcome. The cabinet maker was also a key part of the quality of the project and cost effectively delivered a superb outcome. The carpenters brought the whole house together with their work on the screens, floors and panelling, which really expresses the quality of the project. Save this picture!© Scott BurrowsSustainability: The benefit to the environment through designThis was a house earmarked for demolition and instead was able to be saved, making it more sustainable from the outset. The bulk of materials were retained where possible and all the new timber was FSC. The extension is not air-conditioned and by virtue of the glazing allows the area to be used year round, making better use of the area. Additional insulation as been installed in the floors, walls and new ceilings to increase thermal mass. The optimal orientation toward the north east will materially reduce the dependency on artificial heating in winter as the “River Room” is flooded with sun and light. The efficiency of the combined areas is ultimately the most sustainable move in the design which in effect reduced the amount that needed to be built (thereby reducing the amount of embodied energy in the house).Project gallerySee allShow lessTurkey: Fighting for Freedom of Speech and Freedom of SpaceArchitecture NewsResearch & Design Center Proposal / Latitude StudioUnbuilt Project Share Structural Engineer: last_img read more

Re-examining Data Privacy Under the FCRA

first_img Re-examining Data Privacy Under the FCRA Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Borrowers consumers data FinTech GAO Lending Predatory Lending Practices Senate Banking Committee Technology World Privacy Forum 2019-06-11 Radhika Ojha June 11, 2019 3,370 Views Share Save The Best Markets For Residential Property Investors 2 days ago Previous: How Best to “Age in Place” Next: U.S. Real Estate is a Hot Commodity for Foreign Buyers in Daily Dose, Featured, Government, News About Author: Radhika Ojha  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago The structure and practices of the data broker industry and technology companies, such as large social media platforms and the gaps that exist in federal privacy law as well as the changes to federal law, including the Fair Credit Reporting Act (FCRA), that should be considered to give individuals real control over their data were the focus of discussion at a Senate Banking Committee hearing on Tuesday.Dr. Alicia Cackley, Director of Financial Markets and Community Investment at the Government Accountability Office (GAO); and Pam Dixon, Executive Director of the World Privacy Forum answered the committee’s questions at this hearing titled, “Data Brokers and the Impact on Financial Data Privacy, Credit, Insurance, Employment, and Housing.”Opening the proceedings, Sen. Mike Crapo, Chairman of the Senate Banking Committee said that more personal information was available to companies than ever before “as a result of an increasingly digital economy.”“In particular, data brokers and technology companies, including large social media platforms and search engines, play a central role in gathering vast amounts of personal information, and often without interacting with individuals, specifically in the case of data brokers,” Crapo said.Giving an example of how fintech was impacting unregulated credit scores, Cackley said, “Fintech lenders offer a variety of loans such as consumer and small business loans and operate almost exclusively online. In our 2018 report, we noted that while these lenders may still assess borrowers’ creditworthiness with credit scores, they also may analyze large amounts of additional or alternative sources of data to determine creditworthiness.” Additionally, she said that the report also found that some fintech firms collected more consumer data than traditional lenders. “For example, fintech lenders may have sensitive information such as consumers’ educational background or utility payment information, and according to certain stakeholders, these data may contain errors that cannot be disputed by consumers under FCRA,” Cackley told the committee.Dixon offered four observations about this subject during her testimony:Credit scores and predictions are being sold that are not regulated by the FCRAThe technology environment is facilitating more scores being used in more places in consumers’ lives, and not all uses are positiveThese scores are created without due process for consumers These scores can cause consumers exceptional harmShe also offered two solutions to Congress to overcome these challenges by expanding the Fair Credit Reporting Act to regulate the “currently unregulated financial scores that affect consumers” and enacting a standards law that “will provide due process and fair standard setting in the area of privacy.” Answering a question on whether all consumer scores were covered under the FCRA so that there’s a similar appeals process to resolve inaccuracies, Dixon said, “No consumer credit scores that are currently unregulated covered under the FCRA. Unless it is a formal credit score that is articulated by the FCRA and used under an eligibility circumstance it’s not covered.”Answering a question by Sen. Crapo on how unregulated credit scores that were created for people and managed by artificial intelligence (AI) impacted consumer credit and their financial decisions, Cackley said that while these scores may not be the official credit scores taken from the credit bureaus that were regulated by FCRA, “they can be applied to decisions that companies make about the kind of products they offer to people, and the price those products are offered.” Cackley added that the products were offered “based on a score that a consumer doesn’t necessarily see and can’t even tell if it is correct or can’t make any attempt to improve the score even if they know it exists.”Speaking about how predatory lenders tend to take advantage of these scores, Dixon, answering a question by Ranking Member Sen. Sherrod Brown, said that her organization often got calls from people who received advertisements for financial products they didn’t understand “that they could have gone out in the market and affirmatively looked for the best offer.”“So these predatory marketing devices based on unregulated scores are very significant. Other significant scores are those that predict repayment of the debt,” she said. “For example, the poorest of consumers are targeted the most for debt repayment by companies that use [unregulated data] like the consumer lifetime value scores that impact how well you’re treated by businesses.” Similarly, she added that companies and education institutions also used a score called the “neighborhood risk scores that decide the way forward for a kid’s education.”“This is a modern way of redlining because if we are going to be scored by where we live how have we advanced and how have all the laws that are meant to protect from such things operating if such things are still happening?” Dixon asked.Click here to read Dixon and Cackley’s testimonies and watch the hearing. Related Articles Home / Daily Dose / Re-examining Data Privacy Under the FCRAcenter_img Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago Tagged with: Borrowers consumers data FinTech GAO Lending Predatory Lending Practices Senate Banking Committee Technology World Privacy Forum Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days agolast_img read more

McMonagle backs calls for further CCTV

first_img Google+ Google+ Facebook Previous articleMan arrested after Raphoe burglaryNext article83% want to continue to work remotely when restrictions ease News Highland Twitter The Chair of the Joint Policing Committee in Donegal is backing calls for more CCTV in the vicinity of the park at Ballyboe between Meadowbank and Dr McGinley Road.There have been a number of incidents in recent weeks, including the Easter Sunday arson attack on a communications mast, and the setting fire to a number of bushes last Wednesday evening.Residents are calling for CCTV as a matter of urgency, local Cllr Gerry McMonagle says there is already some coverage from the Glencar Shopping Centre, but more can be done……..Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2020/05/gmacpark.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Derry draw with Pats: Higgins & Thomson Reaction McMonagle backs calls for further CCTV Twitter By News Highland – May 11, 2020 FT Report: Derry City 2 St Pats 2 News, Sport and Obituaries on Monday May 24thcenter_img Pinterest Facebook DL Debate – 24/05/21 WhatsApp Journey home will be easier – Paul Hegarty Harps come back to win in Waterford Pinterest AudioHomepage BannerNews RELATED ARTICLESMORE FROM AUTHOR WhatsApplast_img read more

Dixie Athletics Featured On the RMAC Showcase on Altitude TV

first_img Written by Tags: Dixie State Athletics/Dr. Jason Boothe/Jason Carter/Richard B. Williams/Rocky Mountain Athletic Conference Brad James August 28, 2018 /Sports News – Local Dixie Athletics Featured On the RMAC Showcase on Altitude TV FacebookTwitterLinkedInEmailST. GEORGE, Utah-An announcement released late Monday confirms Dixie State athletics will be the focal point of a feature on the “RMAC Showcase” Wednesday on Altitude Sports.The Trailblazers, who have completely joined the football program in the Rocky Mountain Athletic Conference, are the newest member of this 16-school league that has members in Colorado, Nebraska, New Mexico, South Dakota and Utah.This episode is the program’s season premiere and will air on Altitude Sports Wednesday at 6:30 p.m. MDT.This month’s RMAC Showcase, hosted by Jason Carter, a Colorado Springs, Colo.-based Altitude Sports reporter, consists of 2018 Trailblazers sports previews.This profiles Dixie State’s men’s basketball, baseball, women’s softball and men’s golf programs.The show will also feature interviews with Dixie State president Richard B. Williams and director of intercollegiate athletics Dr. Jason Boothe as well as segments from the 2018 RMAC football kickoff from earlier this month.last_img read more