ESG investing: here’s how I’d start

first_img Our 5 Top Shares for the New “Green Industrial Revolution” Access this special “Green Industrial Revolution” presentation now Image source: Getty Images. See all posts by Christopher Ruane christopherruane owns shares of Unilever. The Motley Fool UK has recommended DS Smith and Unilever. 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 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. It was released in November 2020, and make no mistake:It’s happening.The UK Government’s 10-point plan for a new “Green Industrial Revolution.”PriceWaterhouse Coopers believes this trend will cost £400billion……That’s just here in Britain over the next 10 years.Worldwide, the Green Industrial Revolution could be worth TRILLIONS.It’s why I’m urging all investors to read this special presentation carefully, and learn how you can uncover the 5 companies that we believe are poised to profit from this gargantuan trend ahead! ESG investing: here’s how I’d startcenter_img Our 6 ‘Best Buys Now’ Shares Christopher Ruane | Friday, 11th June, 2021 ESG investing is gaining popularity with environmental, social and corporate governance aspects of a company’s performance having taken on increased prominence.Here’s a practical framework I’d consider using when choosing shares for my portfolio using an ESG investing approach.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…Focus on sectors firstI’d make a shortlist of possible ESG investing picks by zooming in on a few sectors. I’d focus on those that match my understanding of what ESG represents.And that may not necessarily mean going for the obvious. For instance, oil majors Shell and BP have been increasingly focusing on alternative energy sources in recent years. Still, in broad terms, I would start by focusing on sectors whose core focus seems in line with ESG principles. For example, recycling strikes me as more environmentally friendly than burning fossil fuels. Select some possible ESG investing picksNext, I would look into possible choices within the given sector. For example, there’s a range of listed companies involved in some form of recycling, including Biffa, Renewi, D S Smith and Augean.As an investor, I generally try to choose what I think could be a winning sector first. Then I try to discover the companies within that sector that look like they have the best prospects. I would do the same here, and narrow down my choices to just a few options in each relevant sector. As always, I use diversification to reduce my overall risk.In this stage, I would focus more on the investment case than how strong the company’s ESG credentials are.Read up on ESG performanceNext, I would research the company’s ESG credentials. That will help me weed out some choices from my shortlist.Parts of this process are easy, but there are also complications. It’s easy because there’s more such information available than ever. Companies often now publish dedicated reports on this topic. A company’s annual report typically includes ESG information too.But the difficulty comes in making an accurate judgment. A company reporting its own performance lacks the credibility of an objective third-party assessment, in my view.A second challenge is that ESG investing is a broad concept. For example, a company could have excellent corporate governance practices but still be very socially damaging. So when digging into the detail on ESG performance, I find it helpful to be clear about what I’m looking for exactly.ESG investing: virtuous circles not virtue signallingUltimately, as an investor, my primary focus is financial return.However, like many people I would prefer to invest in companies that have genuine, positive social and environmental impact. As an investor, I see no value in empty ‘virtue signalling’. Instead I look for companies with what I regard as a virtuous circle: socially and ethically-conscious behaviour that in turn can help the bottom line.Unilever is an example. I think its ESG credentials can actually make its products more attractive to its customers. That should help profits, although there is a risk that extra costs could reduce profitability.In short, I focus first and foremost on a share’s financial prospects. Sometimes these are actually helped by an ESG approach. If I can apply ESG investing principles and still discover such shares, I would consider buying them. 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. Simply click below to discover how you can take advantage of this. Enter Your Email Addresslast_img read more

California: Bishop denounces Charlottesville violence, calls for non-violent resistance to…

first_img Associate Rector for Family Ministries Anchorage, AK Advocacy Peace & Justice, Featured Jobs & Calls Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Tags Cathedral Dean Boise, ID Rector Shreveport, LA Bishop Diocesan Springfield, IL [Episcopal Diocese of California] “With malice toward none, with charity for all…,” so President Lincoln wrote in his Second Inaugural Address, in 1865, with the devastating American Civil War not yet formally concluded. Mr. Lincoln’s ringing words fit with the commitment of Mahatma Gandhi and the Rev. Dr. Martin Luther King, Jr. as their leadership is properly, but too narrowly understood — a fundamental commitment to not making any person into an enemy. But the Mahatma and the Rev. Dr. King would have never stopped with the partial quotation, above, that we know so well; they would have also have gone on to say, with President Lincoln, “…with firmness in the right as God gives us to see the right…”That is, at this moment we are clear that hatred of and violence toward people of color, of women, of the LGBTQ community, of the poor, of immigrants must be named as unequivocally wrong. The truth, as God gives us to see the truth, is that God is love, and all that is not love needs to be held up in the light of love, and opposed.For my part, I will, to the best of my abilities hold to the dual practices of not demonizing or making enemies of people, of holding to non-violence and the way of love, and at the same time of resolutely naming evil for what it is, and for resisting the wrong wherever it shows itself. Sadly, evil and wrong have, in these latest manifestations, wrapped themselves in the clothing of faith. The perversity of white supremacists appropriating the cross, a symbol of a very real instrument of torture and death used against a member of a subjugated people, a person of color, is beyond ironic — it is deeply distorted.Finally, let me say that all you who would walk the path of love and resist evil, please hear the admonition of Jesus of Nazareth — “Be wise as serpents and innocent as doves.” Too often those who choose the path of love are models of innocence but lacking in the prepared wisdom of the serpent.  In the coming days we will work with faith-based and civil society partners to offer training in non-violent resistance. Remember, Rosa Parks was not just a hard-working Black woman who was so tired that she determined, in the moment, to not move to the back of the bus. Rosa Parks was a woman who had prepared through months of training and was part of a close community of activists.Take hope — God does give us the light to see what is right. We see the right through the light cast by the lamp of history, through the wisdom of sacred writings, through the living examples of veterans of past struggles, such as Representative John Lewis, by the prompting of God in our midst, in our hearts. Let us heed the light and follow the right.The Rt. Rev. Marc Handley Andrus Submit an Event Listing Submit a Press Release Featured Events AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Associate Rector Columbus, GA An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Press Release Service Curate (Associate & Priest-in-Charge) Traverse City, MI Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Rector Washington, DC Missioner for Disaster Resilience Sacramento, CA 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 Assistant/Associate Rector Washington, DC Rector Bath, NC Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Rector (FT or PT) Indian River, MI Rector Hopkinsville, KY Associate Priest for Pastoral Care New York, NY Director of Administration & Finance Atlanta, GA The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Rector Collierville, TN Assistant/Associate Priest Scottsdale, AZ Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET California: Bishop denounces Charlottesville violence, calls for non-violent resistance to hate groups Priest Associate or Director of Adult Ministries Greenville, SC New Berrigan Book With Episcopal Roots Cascade Books Posted Aug 15, 2017 Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Charlottesville, Course Director Jerusalem, Israel Assistant/Associate Rector Morristown, NJ Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Rector Martinsville, VA Curate Diocese of Nebraska Rector Knoxville, TN This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Youth Minister Lorton, VA Rector Tampa, FL Rector Albany, NY Director of Music Morristown, NJ Submit a Job Listing In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 Canon for Family Ministry Jackson, MS 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 Rector and Chaplain Eugene, OR Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET Rector Pittsburgh, PA Family Ministry Coordinator Baton Rouge, LA Priest-in-Charge Lebanon, OH Racial Justice & Reconciliation Rector/Priest in Charge (PT) Lisbon, ME Rector Belleville, IL 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 Rector Smithfield, NC last_img read more

Fenlon House / Martin Fenlon Architecture

first_imgCopyHouses•Los Angeles, United States Houses Fenlon House / Martin Fenlon Architecture Area:  960 ft² Year Completion year of this architecture project 2015 Save this picture!© Zach Lipp+ 16 Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/774571/fenlon-house-martin-fenlon-architecture Clipboard Projects ArchDaily Photographs Products used in this ProjectFaucetsAXORBathroom Collection – AXOR StarckSave this picture!© Zach LippText description provided by the architects. In the little-known neighborhood of Hermon, located just outside of downtown Los Angeles, a dilapidated 1920’s bungalow has undergone a major remodel, bringing new life to the old structure. The new addition to the front of the house forms a unique alliance with the remodeled existing house. This new frontispiece appears to be intimately nested within the older existing house, while maintaining a stark differentiation. The frontispiece has been clad in a clear cedar which contrasts the torched cedar that wraps the rest of the structure. The front addition integrates the house with the adjacent streetscape as it terraces down to the sidewalk and forms a long bench.Save this picture!SectionThe original gabled porch roof was removed leaving a large triangular opening in the roof which has become a skylight, flooding the interior with natural light. The existing ceiling was removed to expose the original wooden roof structure. The new walnut and teak finishes throughout are similar in tone with this existing wood, blurring the distinction between old and new. The simple combination of the wood and white plaster throughout is reminiscent of California mission architecture.Save this picture!© Zach LippThe wood clad kitchen is embedded within the existing plaster-finished enclosure, forming a distinct space within a space that echoes the exterior relationship of old and new, while concealing economic Ikea cabinetry. A large window over the kitchen counter slides open, bringing the outdoors in while allowing use of the counter from the exterior. Other areas of the interior are punctuated by a series of built-ins that integrate everyday objects with the spaces they’re in.Save this picture!© Zach LippProject gallerySee allShow lessAires Mateus Wins Competition to Design New Pôle Muséal of LausanneArchitecture NewsHappy World Architecture Day!Architecture News Share Fenlon House / Martin Fenlon ArchitectureSave this projectSaveFenlon House / Martin Fenlon Architecture Year:  United States ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/774571/fenlon-house-martin-fenlon-architecture Clipboard Photographs:  Zach Lipp Manufacturers Brands with products used in this architecture project “COPY” Architects: Martin Fenlon Architecture Area Area of this architecture project Manufacturers: AXOR, C.R. Laurence, Hansgrohe, Owens Corning, Acuity Brands, Akdo, Caesarstone, Ikea, Lithonia Lighting, Escenium HAUS, JT Windows Products translation missing: en-US.post.svg.material_description “COPY” CopyAbout this officeMartin Fenlon ArchitectureOfficeFollowProductWood#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesLos AngelesUnited StatesPublished on October 05, 2015Cite: “Fenlon House / Martin Fenlon Architecture” 05 Oct 2015. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogLouvers / ShuttersTechnowoodSunshade SystemsCompositesMitrexPhotovoltaic Solar Cladding – BIPV CladdingMetal PanelsAurubisCopper Alloy: Nordic BronzeBathroomsGeberitBathroom Series – ONESkylightsLAMILUXGlass Skylight F100 CircularMetal PanelsTrimoQbiss One in Equinix Data CentreSignage / Display SystemsGoppionDisplay Case – Q-ClassAluminium CompositesAmerican MetalcraftAluminum Panels – Decorative Fencing for BridgesPanels / Prefabricated AssembliesULMA Architectural SolutionsWater Facade PanelDoorsLinvisibileLinvisibile Concealed Sliding Door | MareaWall / Ceiling LightsiGuzziniExterior Light – WalkyWoodPlycoWood Boards – Birch LaserplyMore products »Read commentsSave世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

Small House / Alejandro Soffia

first_imgArchDaily Manufacturers: Maderas Ritoque, Paneles SIP UP, Pizarreño, Ventanas Venteko Houses ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/933701/small-house-alejandro-soffia Clipboard Year:  Chile “COPY” Lead Architect: 2020 CopyAbout this officeAlejandro SoffiaOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRitoqueOn FacebookChilePublished on March 29, 2020Cite: “Small House / Alejandro Soffia” [Casa Chica / Alejandro Soffia] 29 Mar 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogBathroom AccessorieshansgroheBath & Shower ThermostatsGlass3MGlass Finish – FASARA™ NaturalPartitionsSkyfoldVertically Folding Operable Walls – Mirage®WindowsVitrocsaSliding Window – Mosquito NetSinksBradley Corporation USASinks – Verge LVG-SeriesMetal PanelsTrimoQbiss One in Equinix Data CentreSignage / Display SystemsGoppionDisplay Case – Q-ClassMetal PanelsLongboard®Aluminum Battens – Link & Lock – 4″Sports ApplicationsPunto DesignPunto Fit in Ekaterinburg Public SpaceWoodBlumer LehmannFree Form Structures for Wood ProjectsKnobsKarcher DesignDoor Knob K390 (50)TablesVitsœ621 Side TableMore 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!© Juan Durán-Sierralta+ 20Curated by Clara Ott Share Collaborators:Francesco Borghi, Pablo Gramsch, Esteban GuzmánStructural Engineer:José Manuel MoralesDrawings:Francesco Borghi, Alejandro Soffia, Matías MirandaModel:Alejandro SoffiaCity:RitoqueCountry:ChileMore SpecsLess SpecsSave this picture!© Juan Durán-SierraltaRecommended ProductsWindowsKalwall®Facades – Window ReplacementsWindowsJansenWindows – Janisol PrimoEnclosures / Double Skin FacadesAlucoilStructural Honeycomb Panels – LarcoreWoodAccoyaAccoya® Cladding, Siding & FacadesText description provided by the architects. Within the Chilean 18-OAfter the social crisis unleashed on October 18, 2019, the reasons for this conflict have been gradually clarified. This process of decanting ideas is essential to be able to program short, medium and long term solutions that improve the inequalities with which the vast majority of the Chilean population is affected. However, these solutions have unfortunately not yet arrived. What has happened is that some of the basal problems of Chilean society have been named. And this, fortunately, makes it impossible for the national elite to ignore these demands. However, the meanness of the “ruling class” has applied a varnish to these problems by imposing hierarchies and therefore an arbitrary order for their solution. For me, this means an evasion of the responsibilities of the State in relation to the people, so I believe that there should be no hierarchies but that all problems must be named and all must begin to be solved at the same time, with different tasks and deadlines, not some before others. Save this picture!© Juan Durán-SierraltaStrangely, the ‘agenda’ of the Government and the opinion of Chileans have left out the problem of ‘space’. Just as Water is not a right of people in Chile, neither is Space. Then in the first, it is not possible to water and cultivate the soil itself, and in the second the town lives in shitty spaces.Save this picture!© Juan Durán-SierraltaSave this picture!PlanSave this picture!© Juan Durán-Sierralta‘Space’ is a fairly abstract concept, therefore in the context of the constitution, it is identified with housing. And as the problem has the people, then it is named as popular or social housing. But the basic problem is people’s access to ‘space’. Access to a quantity and quality of ‘space’, generic, beyond housing. And since the space has different scales in its magnitude, in reality, the right to quality space can be recognized in housing, but also in work, study, or any type of immediate space where people develop in your daily routine. Be these private or public. Be these small or large scales. The right to a quality public space. The right to an equipped and connected city. On a larger scale, the right to a virgin natural space. Someone has convinced us that there is little space. But it is not like that, we have a lot of space so each person deserves to live in a quality space.Save this picture!© Juan Durán-SierraltaThe small houseThis House does not have a direct relationship with the themes raised during the social crisis of 18-O. One might even think that it represents the opposite, that owning a property on the beach today, in the form of a second home, constitutes a privilege of few and constitutes a symbol of the inequality prevailing in our country. But my idea is to reflect on some aspects that are relevant in the context of the crisis, based on the analysis of a Beach House. Save this picture!© Juan Durán-SierraltaSave this picture!SectionsSave this picture!© Juan Durán-SierraltaThe first and most important has to do with ‘space’. It is called Small House because, in reality, the challenge was to make a home as large as possible, with a very limited budget. The conceptual matrix would also be informed by maintaining certain standards of constructive quality of thermal efficiency. Understand well-insulated walls and windows. So one of the initial questions would be: How many square meters can I build if I have a certain budget and want to build with a certain constructive standard? The answer would be 60 square meters. And what was I able to program in these 60 square meters? A tight living room, a tiny bathroom, a steep staircase, a narrow hallway, two narrow bedrooms, and another bathroom. And I really spent a lot of time putting all these enclosures in 60 square meters. And I also believe, it is not enough because the storage spaces are few and there is no loggia. Save this picture!© Juan Durán-SierraltaThen I remember the square meters of social housing that the State of Chile gives to those most affected by the ominous economic model prevailing. 45 square meters, which then rose to 52 square meters. I also remember the square meters of the small houses promoted by the disastrous real estate market. 15 square meters, 24 square meters. And I wonder how the hell is it possible to live with dignity in such a shortage of space? If there is space overflowing throughout our extensive geography, how can it be that the State offers such small housing? Why is it possible?Save this picture!© Juan Durán-SierraltaSome will answer, that it is a budget problem, but then when did we put the priorities in the money rather than in space? Is not space something as vital as air and water? Hopefully, the exit to the current crisis that our country is experiencing allows us to put the most relevant issues for people’s lives on the table, and without a doubt, in this course, it will be necessary to include and relieve the importance of the space, in how much and in how much quality, on all scales, for the development of a dignified life.Save this picture!© Juan Durán-SierraltaProject gallerySee allShow lessVMS House / Marcos MiguelezSelected Projects“Masstab” Pop Up Space / ALHM collectiveSelected Projects Share Projects Small House / Alejandro Soffia Small House / Alejandro SoffiaSave this projectSaveSmall House / Alejandro Soffia Alejandro Soffia Photographs:  Juan Durán-Sierralta Manufacturers Brands with products used in this architecture project CopyHouses•Ritoque, Chile “COPY” Photographs Area:  60 m² Year Completion year of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/933701/small-house-alejandro-soffia Clipboard Architects: Alejandro Soffia Area Area of this architecture projectlast_img read more

Fannie Mae Honors 31 Partners for Servicing Excellence

first_img Eric C. Peck has 20-plus years’ experience covering the mortgage industry, he most recently served as Editor-in-Chief for The Mortgage Press and National Mortgage Professional Magazine. Peck graduated from the New York Institute of Technology where he received his B.A. in Communication Arts/Media. After graduating, he began his professional career with Videography Magazine before landing in the mortgage space. Peck has edited three published books and has served as Copy Editor for Entrepreneur.com.  Print This Post Home / Daily Dose / Fannie Mae Honors 31 Partners for Servicing Excellence Share Save Fannie Mae Honors 31 Partners for Servicing Excellence The Week Ahead: Nearing the Forbearance Exit 2 days ago March 5, 2021 1,262 Views About Author: Eric C. Peck Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Subscribe Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Tagged with: Affordable Housing Fannie Mae Federal Housing Finance Agency (FHFA) Malloy Evans Mortgage Servicers STAR Program Demand Propels Home Prices Upward 2 days agocenter_img Previous: Analyzing the Housing Market’s Uneven Boom and Bust Cycles Next: Residential Leasebacks: A Tool Against Future Foreclosure Crises? Data Provider Black Knight to Acquire Top of Mind 2 days ago Affordable Housing Fannie Mae Federal Housing Finance Agency (FHFA) Malloy Evans Mortgage Servicers STAR Program 2021-03-05 Eric C. Peck Data Provider Black Knight to Acquire Top of Mind 2 days ago in Daily Dose, Featured, Journal, News Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Related Articles Fannie Mae has announced its 2020 Servicer Total Achievement and Rewards (STAR) Program results, which recognizes 31 mortgage servicers for operational servicing excellence and customer value.Established in 2011, the STAR Program awards Fannie Mae servicers based on three operational and performance areas: general servicing, solution delivery, and timeline management. The STAR Program measures servicer competency, capacity, and overall performance. It is designed to help Fannie Mae servicers identify opportunities for improvement by comparing their performance relative to other servicers, and monitor progress and trends against key indicators selected to reflect Fannie Mae’s current business objectives.“It’s an honor to recognize 31 of our servicing partners as 2020 STAR Program award recipients for their respective commitments to customer service and industry best practices,” said Malloy Evans, Senior Vice President and Single-Family Chief Credit Officer for Fannie Mae. “While mortgage servicers always play an essential role in preventing foreclosures and providing housing assistance, their work was absolutely critical last year, as homeowners dealt with job losses, reductions in income, illness, and other disruptions caused by the COVID-19 pandemic. Servicer contributions will continue to be vital while we work to keep people in their homes and stabilize the U.S. housing market as the pandemic persists.”Servicers are selected to participate in the STAR Program primarily based on total Fannie Mae servicing loan volume and the portfolio composition.The Federal Housing Finance Agency (FHFA) recently injected $1.09 billion for Fannie Mae’s affordable housing allocations for 2020, marking the largest amount ever disbursed, more than double what was provided last year.Recipients of the 2020 STAR Program include:General ServicingArvest Bank Group Inc.Associated Banc-CorporationBank of America CorporationBroker Solutions Inc.Cenlar Capital CorporationCitizens BankColonial Savings FAComputershare LimitedDovenmuehle Mortgage Inc.Fidelity BankFifth Third BancorpFlagstar Bancorp Inc.Freedom Mortgage CorporationGuild Mortgage Company LLCLoanCare, LLCM&T Bank CorporationPennyMac CorporationProvident Funding Associates LPRushmore Loan Management Services LLCStone Point Capital LLC/Home Point Financial CorporationTrustmark CorporationWright-Patt Credit UnionTimeline ManagementBayview Financial Holdings LPGeneral Servicing and Solution DeliveryPNC Financial Services Group Inc.Quicken Loans Inc.Regions Financial CorporationTeachers Insurance and Annuity Association of AmericaTruist BankGeneral Servicing and Timeline ManagementWells Fargo and CompanySolution Delivery and Timeline ManagementMr. CooperGeneral Servicing, Solution Delivery, and Timeline Management RecognitionJPMorgan Chase & Company The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

Stephen Hawking celebrates 70th

first_imgOn the 8th January, scientists gathered at a symposium in Cambridge to celebrate Stephen Hawking’s 70th birthday, an occasion few had imagined they would ever see.Hawking was given just a few years to live after being diagnosed with a rare form of motor neurone disease in 1964, at the age of 20. His condition has progressed over the years and has left him almost completely paralysed and unable to speak. Brian Dickie, research director at the Motor Neurone Disease Association, stated: “Only five percent live longer than 10 years and in those cases it’s 15 or maybe 20 years. Stephen Hawking is at one extreme end of that spectrum and the quality of his care cannot explain why the disease has progressed so slowly in him.”Hawking was propelled to fame by his 1980 book A Brief History of Time, in which he outlined the concept of a universe with no boundaries in space or time. It has sold over 25 million copies worldwide. He held the position of Lucasian Professor of Mathematics for thirty years at Cambridge, although he completed his undergraduate degree (in Physics) at University College, Oxford.In a recent interview Hawking admitted that he regularly completed only an hour of work a day in his early life as a student, commenting, “You were supposed to be brilliant without effort, or to accept your limitations and get a fourth class degree.”The professor himself was unable to attend the birthday celebrations because he was too unwell. However, the guests enjoyed a pre-recorded version of the lecture in which Hawking spoke of the happiness he felt knowing that he had made a small contribution to our understanding of the universe. He concluded with the following message to his wellwishers, “Remember to look up at the stars and not down at your feet. Be curious. And however difficult life may seem, there is always something you can do and succeed at. It matters that you don’t just give up.”Hawking was given just a few years to live after being diagnosed with a rare form of motor neurone disease in 1964, at the age of 20. His condition has progressed over the years and has left him almost completely paralysed and unable to speak.Brian Dickie, research director at the Motor Neurone Disease Association, stated: “Only five percent live longer than 10 years and in those cases it’s 15 or maybe 20 years. Stephen Hawking is at one extreme end of that spectrum and the quality of his care cannot explain why the disease has progressed so slowly in him.”Hawking was propelled to fame by his 1980 book A Brief History of Time, in which he outlined the concept of a universe with no boundaries in space or time. It has sold over 25 million copies worldwide. He held the position of Lucasian Professor of Mathematics for thirty years at Cambridge, although he completed his undergraduate degree (in Physics) at University College, Oxford.In a recent interview Hawking admitted that he regularly completed only an hour of work a day in his early life as a student, commenting, “You were supposed to be brilliant without effort, or to accept your limitations and get a fourth class degree.”The professor himself was unable to attend the birthday celebrations because he was too unwell. However, the guests enjoyed a pre-recorded version of the lecture in which Hawking spoke of the happiness he felt knowing that he had made a small contribution to our understanding of the universe. He concluded with the following message to his wellwishers, “Remember to look up at the stars and not down at your feet. Be curious. And however difficult life may seem, there is always something you can do and succeed at. It matters that you don’t just give up.”last_img read more

Oxford University receives €56 million grant

first_imgAwards worth €600 million went to 301 outstanding researchers across 24 countries. Oxford University received nine new ERC Consolidator Grants, the most awarded to any institution in the UK and the second most in Europe. Mariya Gabriel, European Commissioner for Innovation, Research, Culture, Education and Youth, acknowledged the need to examine this issue, saying: “…it is so important that we reach an agreement on an ambitious Horizon Europe budget for the next multi-annual budget. More available research funding would also allow us to create more opportunities everywhere in the EU – excellence should not be a question of geography.” Dr Gascia Ouzounian from the Faculty of Music is looking at the topic of sound in cities, and how we can utilize the power of sound to build healthier, more inclusive, and more sustainable societies. Yet, the success of Oxford and other wealthy, Western European institutions may be indicative of a larger political problem.  Controversy surrounds the allocation of ERC Grants as their policy of focusing purely on excellence means wealthier and more well resourced institutions reap the greatest benefits. Grantees at Oxford University include researchers from a variety of departments, including Physics, Chemistry, Anthropology, Music, Medicine and Earth Sciences, to name a few. Researchers of any nationality with 7 to 12 years of experience since completion of PhD, and with a promising scientific track record and excellent research proposal are eligible to apply for a Consolidator grant.   Oxford University has been awarded a grant of €56 million by the European Research Council (ERC). center_img Professor Patrick Grant, Pro-Vice Chancellor (Research) and Vesuvius Chair of Materials at Oxford University said: “We are proud of the success of our early career researchers in this recent round of highly competitive ERC funding. The level of funding support we receive from the ERC speaks to the calibre of researchers we are able to attract and who bring considerable prestige to the University. Teaching and research excellence is at the core of our mission, and in which ERC awards continue to play a valued and central role.” ERC grants are highly esteemed across the European academic community, and are awarded solely on the basis of scientific excellence. The Council was created to encourage groundbreaking research of the highest possible quality in Europe. The winners of the ERC’s latest Consolidator Grants Competition were announced on 10 December, the funding for this being a part of the EU’s Horizon 2020 research and innovation programme. Some grants were awarded to Europe’s less wealthy central and eastern countries. Zaroui Pogossian at the Central European University in Hungrary, for example, received an award to support her research on cultural interactions in the medieval Caucasus, Anatolia and northern Mesopotamia. Institutions in countries like Germany, the UK, France and the Netherlands receive large amounts of funding from the ERC, prompting the question of how it can be possible for less economically developed countries to catch up academically to their richer counterparts. Dr Dace Dzenovska from the Department of Anthropology is researching the concept of ‘emptiness’ in relation to post-socialism villages and towns in the Latvian Russian borderlands, while Dr Sergi Padilla-Para from the Nuffield Department of Medicine is studying antibody responses to aid rational vaccine design for HIV.last_img read more

Postal Service Food Drive May 11

first_imgOcean City Post Office (Photo credit postofficephotos.info) Letter carriers across the country, in partnership with the U.S. Postal Service, will be collecting food for families in need on Saturday, May 11. In Ocean City, carriers ask that residents collect and bag non-perishable food items, then place them by their mailboxes for pickup. All food will be donated to the Ocean City Ecumenical Council Community Food Cupboard. Please do not include items that have expired or are in glass containers. Volunteers are needed to help unload trucks and weigh, sort and shelve items. Students needing community service hours are welcome. For more information and to confirm attendance, call Dottie Cianci at 609-398-5563. Some recommended items include:• Canned meats• Canned vegetables• Cans of fruit• Cans of soup• Cereal• Tuna• Cans of tomatoes• Macaroni-and-cheese• Cans of ravioli, Spaghetti O’s• Pork and beans• Ramen noodles• Individual packets of dry milk• Juice• Jelly• Peanut butter• Jello/pudding mix• Crackers• RiceMicrowaveable items are also needed, including:• Mac-and-cheese• Ravioli, Spaghetti O’s, lasagna• Cups of soup• Microwave soups• Microwave rice• Hormel microwave mealsLaundry detergent, dish detergent, shampoo, deodorant, toothpaste, toilet paper and paper towel are also requested.last_img read more

Pieminister’s ’charade’

first_imgPieminister has launched two winter pies for the festive season. The Bristol-based pie-maker’s new Charade pie is filled with slow-cooked venison, partridge and pheasant with parsnip, puy lentils and a hint of chocolate and chilli. The firm is also bringing back its vegetarian Christingle pie, due to popular demand. The pie contains honey roast parsnips, Cheddar cheese and chestnuts with white port. “We have tried this in the Pieminister kitchens with creamed brussels sprouts, small rosemary roasted potatoes and red wine gravy with a hint of orange delicious!” said Pieminister co-founder and chef Tristan Hogg.Each pie weighs 275g.last_img

Overdose deaths on the rise in St. Joseph County

first_img Google+ Pinterest Facebook (“Meds” by Charles Williams, CC BY 2.0) The number of overdose deaths is rising in St. Joseph County as COVID-19 takes toll on mental health.Overdose deaths in the county dropped to just over 60 in 2018, and dropped to 35, last year.But already, this year, St. Joseph County reports nearly 50 deaths.Local health leaders tell The South Bend Tribune, thanks to social distancing and other restrictions, community mental health services have suffered.To help, the 525 Foundation has planned several events as part Substance Abuse Prevention Month throughout October. Many events are virtual, but a socially-distanced trick-or-treat event called “Say Boo To Drugs” is taking later this month at Howard Park. Google+ WhatsApp WhatsApp Facebook By 95.3 MNC – October 7, 2020 0 316 Pinterest Twitter IndianaLocalNews Overdose deaths on the rise in St. Joseph County Previous articleNew app tracks how many people are masked up, how many aren’tNext articleMan arrested in Cass County for stolen motorcycle, drug possession 95.3 MNCNews/Talk 95.3 Michiana’s News Channel is your breaking news and weather station for northern Indiana and southwestern Michigan. Twitterlast_img read more