Kenya Commercial Bank (KCB.rw) HY2011 Presentation

first_imgKenya Commercial Bank (KCB.rw) listed on the Rwanda Stock Exchange under the Banking sector has released it’s 2011 presentation results for the half year.For more information about Kenya Commercial Bank (KCB.rw) reports, abridged reports, interim earnings results and earnings presentations, visit the Kenya Commercial Bank (KCB.rw) company page on AfricanFinancials.Document: Kenya Commercial Bank (KCB.rw)  2011 presentation results for the half year.Company ProfileKenya Commercial Bank (KCB) Rwanda Limited is a commercial bank offering financial solutions to private individuals and the corporate banking segment in Rwanda. KCB Bank Rwanda is a wholly-owned subsidiary of the KCB Group which is East Africa’s largest commercial bank by asset base. The Bank was established in 2008 after it was licensed by Rwanda’s banking regulator, the National Bank of Rwanda. It has 14 branches located in the main towns and cities of Rwanda as well as an extensive network of KCB Iwacu agents. Kenya Commercial Bank is listed on the Rwanda Stock Exchangelast_img read more

FBN Holdings Plc (FBNH.ng) Q12012 Presentation

first_imgFBN Holdings Plc (FBNH.ng) listed on the Nigerian Stock Exchange under the Financial sector has released it’s 2012 presentation results for the first quarter.For more information about FBN Holdings Plc (FBNH.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the FBN Holdings Plc (FBNH.ng) company page on AfricanFinancials.Document: FBN Holdings Plc (FBNH.ng)  2012 presentation results for the first quarter.Company ProfileFBN Holdings Plc is a leading financial services institution in Nigeria offering banking products and services for the commercial, corporate, investment and merchant banking sectors. The company also offers insurance products for individual and corporate clients and other financial services for merchant banking, asset management, investment and general trading, private equity, financial intermediation services, trusteeship, portfolio management and discount house services for individual and corporate clients. The Insurance division underwrites life and general insurance products and offers insurance brokerage services. FBN Holdings Limited was founded in 1894 and today operates in 874 business locations in 12 countries. Its company head office is in Lagos, Nigeria. FBN Holdings Plc was founded in 1894 and is based in Lagos, Nigeria. FBN Holdings Plc is listed on the Nigerian Stock Exchanglast_img read more

Letshego Holdings Limited (LETSHE.bw) 2013 Presentation

first_imgLetshego Holdings Limited (LETSHE.bw) listed on the Botswana Stock Exchange under the Investment sector has released it’s 2013 presentation For more information about Letshego Holdings Limited (LETSHE.bw) reports, abridged reports, interim earnings results and earnings presentations, visit the Letshego Holdings Limited (LETSHE.bw) company page on AfricanFinancials.Document: Letshego Holdings Limited (LETSHE.bw)  2013 presentation Company ProfileLetshego Financial Services Botswana is regulated financial services institution that offers products and solutions for the low- to middle-income sector in Botswana. The company was established in 1998 as Micro Provident Botswana Limited but now operates as a member of the Letshego Group. Letshego Financial Services Botswana is primarily focused on providing financial solutions to individuals who are formally employed by the government of Botswana, parastatals and the private sector. A subsidiary division offers microfinance and savings solutions to individuals generating income in the informal sector. Letshego Financial Services Botswana is able to cater to both sectors by providing simple, appropriate and accessible solutions that are competitively priced. The company was able to diversify its offering through the acquisition of Micro Africa Limited in East Africa, allowing it to provide loans to micro and small enterprises, collective groups and low- to middle-class earners. The company has a presence in 11 countries across southern, east and west Africa; Botswana, Ghana, Kenya, Lesotho, Mozambique, Namibia, Nigeria, Rwanda, Swaziland, Tanzania and Uganda.last_img read more

Ireland: Four proud provinces stand up in Europe

first_img By Alex ShawFour proud provinces. That’s the mantra of Irish rugby and it certainly lived up to that billing this past weekend.There were a lot of premature European obituaries for the provinces after lacklustre campaigns in the 2015-16 season, with many – inside and outside of Ireland – proclaiming the new-look Champions Cup to be a tournament that will see Anglo-French dominance for the foreseeable future.Poppycock.Last season, the provinces, who rely so heavily on Irish Test players – particularly Leinster, Ulster and Munster – were coming off the back of a Rugby World Cup that taxed their players both physically and mentally. With more professional clubs in England and France to share that burden, as well as deeper contingents of foreign, non-Test players, it’s understandable that they were in a better place to succeed last season.There were other problems around the teams, of course.Breaking the line: Simon Zebo skips over the line in Munster’s mauling of LeicesterLeinster’s attack was stalling, Ulster couldn’t compete physically in the pack with the best teams and Munster, well, Munster had a whole host of problems. Admittedly, Connacht chugged along nicely in the Challenge Cup until an enthralling loss to Grenoble in the quarter-finals.If you’ve been watching the Guinness Pro12 this year, you didn’t need to see this weekend’s array of European rugby to know that the provinces are much-improved this season but if you did, you saw three statement victories and an understandable away loss to one of the tournament’s top teams.It started off on Friday night when Leinster travelled to Franklin’s Gardens to take on, an admittedly out-of-form, Northampton Saints side. The men from Dublin were comfortably the better team and though the stingy Northampton defence was keeping Saints in the game, a second half red card for Dylan Hartley – just six minutes after he was brought on from the bench – caused the self-destruct button to be pushed and Leinster ultimately cruised to a bonus point 37-10 victory.Catch me if you can: Leinster’s Jamison Gibson-Park evades Northampton’s Luther BurrellUlster continued the party early on Saturday, winning a 39-32, ding-dong battle with Clermont at the Kingspan Stadium and just as Leinster did, wrapped up a bonus point in the process. Fly-half Paddy Jackson and versatile forward Iain Henderson both put British and Irish Lions coach Warren Gatland on notice with fine performances in Belfast.Perhaps the most impressive victory came immediately after the Ulster game – although not quite as compelling a game – as Munster systematically crushed the life from a Leicester Tigers side that have never looked less like a Leicester side. The tactical nous of Rassie Erasmus and Jacques Nienaber and the emotional fire lit by the tragic passing of Anthony Foley has never looked so potent a combination as it did in Munster’s 38-0 humiliation of the side from the East Midlands.Reigning Pro12 champions Connacht couldn’t quite make it a clean sweep of victories, falling to 32-17 defeat to Wasps at the Ricoh Arena, but it was a result to be expected, with the side from Coventry one of the favourites to make a run at the trophy this season. Good day at the office: Rob Herring celebrates a deserved win over Clermont Auvergne The statement wins of Ulster, Leinster and Munster over Clermont, Northampton and Leicester have proved the Irish provinces’ resolve remains in tact LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Down not out: Connacht put in a creditable performance against WapssIt is worth remembering, though, that we are only at half-time in these back-to-back games.Richard Cockerill will fire his side up and they will more resemble a Leicester team of old at Welford Road – they couldn’t resemble one any less, in fairness – and Clermont will have the advantage at the Marcel Michelin, despite Ulster’s belief they will be able to win. Connacht will also have the belief they can stop Wasps at the Sportsground in Galway and it may be advisable to go ahead right now and pencil in Northampton’s trip to Dublin as a win for Leinster, such is the respective form of the two teams at present.However, what that first round of results have done is put the provinces into enviable positions in their respective pools.Munster sit atop Pool 1 with a game in hand yet to be played against bottom-placed Racing 92 and Leinster enjoy the same position in Pool 4, a point above an impressive Montpellier side. Meanwhile, Connacht must settle for second spot in Pool 2, but with Zebre also in the group, it is likely a pool that will offer up two quarter-finalists, so even if Wasps finish top, it may not be the end of Connacht’s European journey.Team to beat: Saracens are looking dominant once again in the Champions CupUlster are in the most precarious position of the four provinces, sitting third in Pool 5, three points behind leaders Clermont and they still have trips to the Marcel Michelin and Sandy Park to contend with. Exeter are at far from their best this season and it’s not unimaginable that Ulster yet qualify but the odds are still against them.The fact is, Ireland may have more contenders for this year’s trophy than either England or France.The hopes of the Aviva Premiership are pinned clearly on Wasps and Saracens, with the latter continuing to look like the comfortable favourite to retain their title, whilst the Top 14’s bid for success rests heavily on Clermont shoring up their defence, or Montpellier or Toulon locking up favourable seeding heading into the knockout rounds.Don’t call it a comeback – they’ve been here for years – but the resurgence of the Irish teams took a big step forward this past week.Quiet revolution: Rassie Erasmus has impressed in his formative months at MunsterThey weren’t on the cusp of a slow demise as some would have had you believe last season, it was simply a fallow year, but this weekend was a coming of age party for a new era of provincial rugby.Now, through a combination of Irish resolve, improving squad depth and new coaching influences, such as the arrivals of Erasmus and Stuart Lancaster, not to mention the Joe Schmidt masterplan taking shape at both Test and provincial levels, the four Irish sides are back at Europe’s top table. With only Connacht currently sitting outside of the Champions Cup qualification spots in the Pro12, it doesn’t look Leinster, Munster or Ulster will be leaving Europe’s elite anytime soon, either. TAGS: ConnachtLeinsterMunsterUlster last_img read more

Barranco No. 436 / JSª

first_imgArchDaily Peru Apartments 2012 Save this picture!© Sebastián CastilloRecommended ProductsEnclosures / Double Skin FacadesFranken-SchotterFacade System –  LINEAMetallicsKriskadecorMetal Fabric – Outdoor CladdingEnclosures / Double Skin FacadesRodecaRound Facade at Omnisport Arena ApeldoornFiber Cements / CementsDuctal®Ductal® Cladding Panels (EU) Text description provided by the architects. Located in the picturesque district of Barranco in Lima, Peru, the project Barranco 436 is located in a characteristic topographic edge of the area, facing a public space and with a privileged view of the seascape. The site is 120 square meters and is characterized by its triangular shape, 9 meters wide at the front and 3 meters wide at the back. We designed the project on 70% of the area of the site, on 4 levels with the height allowed by the zoning parameters. The volume is divided into two bodies that programmatically separate the public-private relations from the 3 apartments, and in which there is one apartment per floor. An art studio-gallery is designed on the ground floor, which belongs to the apartment on the first level. Save this picture!© Sebastián CastilloThe volume consists of twobodies joined by a bridge-library that spans a height difference of 85 cm,joining the public areas with the private spaces and generating a mezzanine 3.75m high in the back space of the gallery. Since the site is elongated, thepublic spaces are laid out towards the main facade, articulating randomterraces on the front volume, generating corners that reinforce therelationship with the landscape. The 3 parking spaces required are designed bymeans of a car elevator, avoiding sacrificing the street level with parkinglots and giving a greater urban meaning to the intervention. This is a compactproject designed to achieve the full use of spaces, views, and livability;trying to reassess and spread the regeneration of the district. Year:  Architects: JSa Area Area of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/395772/barranco-no-436-js Clipboard Barranco No. 436 / JSªSave this projectSaveBarranco No. 436 / JSª ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/395772/barranco-no-436-js Clipboard “COPY” Area:  540 m² Year Completion year of this architecture project Save this picture!© Sebastián Castillo+ 26 Share CopyAbout this officeJSaOfficeFollowProductsGlassConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsBarrancoPeruPublished on July 07, 2013Cite: “Barranco No. 436 / JSª” [Barranco No. 436 / JSª] 07 Jul 2013. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogMetal PanelsAurubisCopper Surface: Nordic DécorGlassMitrexSolar PanelsPanels / Prefabricated AssembliesTechnowoodPanel Façade SystemSealantsAGROB BUCHTALHow To Benefit From Ceramic Tiles With Hytect SurfaceSignage / Display SystemsGoppionDisplay Case – Q-ClassFacade SystemsTrimoTrimoterm FTV in the BASE – Backing wallSkylightsVELUX CommercialModular Skylight Ridgelight in Office BuildingDoorsVEKAFront Doors – SOFTLINECurtain WallsRabel Aluminium SystemsMinimal Curtain Wall – Rabel 35000 Slim Super ThermalResidential ApplicationsULMA Architectural SolutionsVentilated Facades on Building in PamplonaDoorsLibartVertical Retracting Doors – Panora ViewAccessories / TV MountsYellow Goat DesignScreens – BlossomMore 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 Projects “COPY” Save this picture!Section DProject gallerySee allShow lessVenturini House / Adamo FaidenSelected ProjectsTanatorio Sant Joan Despí / Batlle i Roig ArquitectesSelected ProjectsProject locationAddress:Barranco, Lima, PerúLocation to be used only as a reference. It could indicate city/country but not exact address. Share CopyApartments•Barranco, Peru Barranco No. 436 / JSªlast_img read more

House for Y / kurosawa kawara-ten

first_imgCopyHouses•Ichihara, Japan Area:  89 m² Year Completion year of this architecture project Houses ArchDaily 2016 Year:  Save this picture!© Kai Nakamura+ 24Curated by Fernanda Castro Share Japan House for Y / kurosawa kawara-ten “COPY” Architects: kurosawa kawara-ten Area Area of this architecture projectcenter_img ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/893276/house-for-y-kurosawa-kawara-ten Clipboard “COPY” Photographs:  Kai Nakamura Manufacturers Brands with products used in this architecture project CopyAbout this officekurosawa kawara-tenOfficeFollowProductsWoodSteelFabric#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesIchiharaJapanPublished on May 01, 2018Cite: “House for Y / kurosawa kawara-ten” 30 Apr 2018. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogAluminium CompositesTechnowoodWood Siding in KSR Villa BodrumRailing / BalustradesMitrexIntegrated Photovoltaic Railing – BIPV RailingMetal PanelsAurubisCopper Surface: Nordic DécorWindowsAir-LuxSliding Window – CorneringWoodBruagRoom Acoustics – Interior Cladding PanelsSinksBradley Corporation USASinks – Frequency® FL-SeriesMetal PanelsTrimoInternal Walls – Trimoterm, Qbiss OneGlassSolarluxWintergarden – SDL Akzent plusSystems / Prefabricated PanelsInvestwoodCement Bonded Particle Board – VirocPaintKEIMMineral Paint in Hunters Point LibraryCabinetsburgbadMid-Height Cabinet – EssentoSignage / Display SystemsGlasbau HahnMuseum Display CasesMore 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 House for Y / kurosawa kawara-tenSave this projectSaveHouse for Y / kurosawa kawara-ten Manufacturers: Lixil Corporation, Mitsubishi Electric, Toto, Aoyama dento, ENDO Lighting Corporation, Gumpo kogyo, Hanawa soken, IOC Flooring, Inaba Mokuzai, Lonseal, Nihon, Orderic, SK Kaken, Saneisuisen, Sankyo Tateyama, Sincol, Suzuki MokkoSave this picture!© Kai NakamuraRecommended ProductsDoorsVEKADoors – VEKAMOTION 82Fiber Cements / CementsULMA Architectural SolutionsPaper Facade Panel in Leioa School RestorationDoorsLinvisibileLinvisibile Curved Hinged Door | AlbaPorcelain StonewareGrespaniaPorcelain Tiles- CoverlamText description provided by the architects. Housing developments and family memberThe site of this house was a housing development which had passed around 40 years since the area had started selling. There are over 400 houses but they have no value as a property and people who are living in are not so young anymore. The demands of client are: an over 330 square meter land space and enough distances from neighbors for a better privacy. Then the site was thought as the better conditions because of the low price of land and the density of the development.Save this picture!Site Plan (closeup)Suburban housing development it seems is dying out in Japan. But if we can think as the sense of this client, it is one of the best places for young generations to live because it is able to buy the lots at a very low price and surrounded by the rich nature although it takes around 30 minutes to city area.Save this picture!© Kai NakamuraPlanAt first, it started being planned as a patio-styled and 115 square meter of the floor area. But there is a restriction about the cliff. At this time, it was impossible to build on the half side of the lot. Then the first patio plan was split into two L shapes and the one was put on to another. It makes a pilotis under the cantilevered 2nd floor and the wide balcony upon the master bedroom. There is the living room over the garage it is split the husband’s library from the family spaces. The entrance hall is also the staircase it is planned as the passage with living room to each rooms. Maximizing family spaces and spaces for moving on the other hand minimizing personal spaces.Save this picture!© Kai NakamuraSave this picture!Second Floor PlanIt needs the high side window makes interior lighter because there is no window on the north side wall. As if the window popped up from the roof. And it is created as surround the pillars by the glasses. It seems like the lantern of this development in the night time.Save this picture!© Kai NakamuraSave this picture!First Floor PlanOld and new wealthy suburban lifeIt is not true efficiency and convenience creates wealthy life and rich culture. It growing the population who are living far away from the nature and are not able to feel the changing seasons or weather in their life. The quantity of stimulus is thought as the most important index of the life. Communication, art and culture or uniqueness and diversity, as though they didn’t need anymore.Save this picture!© Kai NakamuraThe enough privacy makes people open. Water shower in hot summer, sit in front of fire in cold winter, drinking a cup of coffee, looking swinging trees in the nice breeze. This house was planned for such an old and new wealth suburban life style.Save this picture!A-A SectionSave this picture!© Kai NakamuraSave this picture!B-B SectionProject gallerySee allShow lessMaitland Riverlink / CHROFI + McGregor CoxallsSelected ProjectsX Bridge / Atelier Groundwork ArchitectureSelected Projects Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/893276/house-for-y-kurosawa-kawara-ten Clipboard Projects Photographslast_img read more

URGENT: Sign Now to Demand Immediate Release of Palestinian Author Susan Abulhawa

first_imgSusan AbulhawaThis is an urgent and time-sensitive situation. Please sign and share widely among your networks to ensure Susan’s immediate and unconditional release from Israeli detention!Susan Abulhawa, the Palestinian novelist, has been denied entry at Tel Aviv Airport on her way to the Kalimat Palestinian Literature Festival sponsored in part by the British Council. Despite the help of a lawyer from the British Council, the US Embassy and the festival organizers who have been on hand to assist, she was been detained by border forces upon her arrival.She is one of the most commercially successful Arab authors of all time. Abulhawa’s 2010 debut novel Mornings in Jenin, a multigenerational family epic spanning five countries and more than sixty years, looks unflinchingly at the Palestinian question – and became an international bestseller translated into twenty-eight languages. Susan was also a juror among a panel of internationally recognized human rights activists at the recent International People’s Tribunal on US Colonial Crimes in Puerto Rico.At this point, Susan is in detention awaiting a judicial decision regarding her appeal to allow her entry. Festival organizers and the British Council have stated that her participation is a cornerstone of the festival and very much needed.We demand the immediate release of Susan Abulhawa and a guarantee that she will be able to travel and participate in the Kalimat Palestinian Literature Festival without any further incident. As a prominent Palestinian author, she deserves to be allowed to attend the Kalimat Palestinian Literature Festival in her birthright county.Below is the contact info for the US Embassy of Israel to ask that she be allowed entry to participate. (https://www.science.co.il/Embassy.php)SIGN THE PETITION!In addition to signing this petition, please contact these US officials to demand they assist in assuring Abulhawa’s speedy release and permission to travel to the festival.Ron Dermer, Israeli Ambassador to the United States202-364-5500David Friedman, US Ambassdor to IsraelSen. Robert Casey, PA866-892-2833Sen. Patrick Toomey, PA202-224-4254Rep. Brian Fitzpatrick202-225-4257FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

La Salle Hosts 2019 Gifts from the Heart Fundraiser; LA Rams Legend Eric Dickerson Featured

first_img Community News Gatherings La Salle Hosts 2019 Gifts from the Heart Fundraiser; LA Rams Legend Eric Dickerson Featured Article and Photos courtesy of LA SALLE COLLEGE PREPARATORY Published on Wednesday, February 20, 2019 | 11:35 am On Sunday, February 10, 2019, more than 40 guests gathered at the home of Hope and Dino Clarizio ’75 for the 2019 Gifts from the Heart San Miguel Social.The event was a part of La Salle’s annual Crystal Ball gala Gift Gathering Parties, and specifically supported the San Miguel Scholarship fund, which provides selected students need-based financial aid for their full school experience including tuition, books, and extracurriculars.Speakers and featured guests included Mike Lansford, former kicker for the Los Angeles Rams, who introduced his fellow teammate, running back and Hall of Famer Eric Dickerson. Junior San Miguel Scholar Andrea Flores spoke about her rewarding experience as a San Miguel Scholar.More than $42,000 was raised for the scholarship fund.La Salle College Preparatory, 3880 E. Sierra Madre Blvd., Pasadena, (626) 351-8951 or visit www.lasallehs.org. Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Community News EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Your email address will not be published. Required fields are marked * faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes More Cool Stuff Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Subscribecenter_img 124 recommendedShareShareTweetSharePin it HerbeautyIs It Bad To Give Your Boyfriend An Ultimatum?HerbeautyHerbeautyHerbeauty5 Things To Avoid If You Want To Have Whiter TeethHerbeautyHerbeautyHerbeautyBollywood Star Transformations: 10 Year ChallengeHerbeautyHerbeautyHerbeauty15 Countries Where Men Have Difficulties Finding A WifeHerbeautyHerbeautyHerbeautyThe Most Heartwarming Moments Between Father And DaughterHerbeautyHerbeautyHerbeauty6 Trends To Look Like A Bombshell And 6 To Forget AboutHerbeautyHerbeauty Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. First Heatwave Expected Next Week Business News Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Name (required)  Mail (required) (not be published)  Website  Make a comment Top of the News last_img read more

Young Limerick care leavers DIAL for help

first_imgRELATED ARTICLESMORE FROM AUTHOR Vanishing Ireland podcast documenting interviews with people over 70’s, looking for volunteers to share their stories DIAL House is a Limerick residential service run by Novas Initiatives that accommodates young care leavers who are at risk of falling into the cycle of homelessness. Alan Jacques visited the Ennis Road facility.Beauty Malo, a resident of DIAL House on the Ennis Road.(pic: Brendan Gleeson)LOCATED off the leafy suburbs of the Ennis Road, DIAL House looks like any other family home in any other quiet residential neighbourhood.But there is nothing ordinary about this life-changing service, which was first opened by Novas Initiatives, the largest provider of homeless services in the Mid-West region, back in 2006.Sign up for the weekly Limerick Post newsletter Sign Up An extraordinary six-bed residential facility, a stone’s throw from the city centre, it accommodates care leavers, some of whom have learning disabilities, who are at risk of homelessness. Residents are all aged between 18 and 24, with most of the estimated 100 youngsters that have passed through its doors in the last eight years, not being dealt the easiest starts in life.DIAL House provides a safe, home-like environment for care leavers who are otherwise “dumped on society” and left to fend for themselves, despite not being ready for this transition. An individualised care plan is devised for each client, based on their needs and personal history which takes account of learning difficulties, past drug use, antisocial behaviour and exposure to abuse or violence.According to head of Novas Initiatives’ homeless services, Anne Cronin, the service was set up to “mirror a home environment and not an institution” after identifying an urgent need in Limerick to develop a specialised service for young care leavers.“The young people who live in DIAL House for the duration of the two-year programme would otherwise have been accommodated in larger hostel-style, low-threshold facilities, unsuitable to their needs,” Ms Cronin explained.She pointed out that young residents, many who have been in and out of institutions and care homes their entire lives, do not yet have the skills to live independently.Most have grown accustomed to having things done for them while in care. Simple things, that we might take for granted, such as boiling a kettle, washing clothes, filling out an application form or preparing a meal, can also prove challenging for some when they turn 18 and are suddenly faced with the big bad outside world all on their lonesome.Robert Cantillon at DIAL House“It is increasingly harder to find a place to live because of the rent caps and lack of single bed accommodation. Bedsits are a thing of the past too. There is also the issue of aftercare as many care leavers find they are not equipped to do things like fill out social welfare payment forms or secure accommodation and are in desperate need of encouragement and life skills training,” she explained.DIAL, which stands for ‘developing independent active living’, offers a two-year life-skills programme to residents, teaching them skills in cooking, cleaning, paying bills and money management. The scheme also works with external agencies to provide professional courses on issues such as self-harm and drug use.Further education is at the core of the DIAL ethos with positive peer learning and in-house training central to the process. Novas staff help residents identify suitable courses and assist them with the application process, while personal development is based on holistic care giving and building trust and engagement with staff.The Limerick Post recently visited DIAL House to meet the service’s residents and staff.As the front door opens, I am greeted by the warm, friendly smile of acting coordinator Grainne Madigan. Hot on her heels is Rocky, a sociable Jack Russell who also resides at DIAL House. After taking a curious sniff of my well-trod shoes, the rotund and ever so contented canine quickly loses interest and returns to his cot under the hall table for a doze.“Come in, come in. Will you have a coffee?” Grainne enquires enthusiastically as she welcomes me inside.Once in the front door the warm, homely atmosphere strikes me instantly. My preconceived perceptions had set me up for a cold and clinical penitential environment reeking of industrial-strength cleaning solutions, but surprise, surprise, I am instead greeted by the welcoming blast of the house’s central heating system, a friendly tail-wagging pet and framed pictures peering down from the walls of smiling and evidently happy young people.Saoirse Coonan with Louise Creamer, key worker at DIAL House, and Ann Marie Tydings.It feels like home. Residents and staff are sitting round the kitchen table having their morning coffee and nattering as I arrive.Grainne confesses as she leads me into the living room that, like most houses, getting her young ward out of bed in the mornings can be the greatest challenge. The latest pop hits are banging out of the TV screen in the corner but I am more distracted by a print on the wall, which reads ‘remember as far as anyone knows we are a nice normal family’.First impressions certainly paint such a picture. DIAL House appears to be a warm, homely and safe environment. The rain is pelting down outside and as I settle into the comfy couch I think that I wouldn’t mind sticking around here for a bit myself to seek refuge from the elements.Ann Marie Tydings, Julia Davis, Grainne Madigan, acting coordinator at DIAL House, and Saoirse Coonan at the residence on the Ennis Road.“Yeah, they are all well capable of getting up and getting out in the morning but they need a little encouragement. It can be chaotic at times,” Grainne confesses as she turns down the TV.“There are three boys and three girls here at the minute. They have huge energy, but they are like brothers and sisters. They rely on each other.”“There’s about a four-week settling in period but after that you can really see the changes in them and they start to burst with confidence. They treat each other and the house well; they treat it with respect. It is life-changing for them,” she said.Staff reside at DIAL House 24/7 and the bond they have with the residents is evident. For the most part, residents do most of the cooking under the tutelage of the staff, however one of the weekly highlights is ‘Fry Friday’ where staff members bake bread and cook an Irish breakfast for their hungry horde. Again on Sundays, staff also dish up a roast dinner and ex-residents are invited back to DIAL for a meal and to catch up with old friends. Another wonderful initiative at this Ennis Road sanctuary is its ‘befriending service’.Novas Initiatives’ communication and development coordinator, Chris O’Connor explains how clients are matched up with volunteers.“This buddy system helps tackle isolation and helps build communication skills. Human contact is important and by simply going into a coffee shop and placing an order, they are learning valuable life skills,” he said.While many of the young residents at DIAL House may have learning disabilities, intelligence is not an issue. One young man I met, who is staying at DIAL House for respite after an illness, is currently studying law in third level.Another young female resident told me that she found herself in trouble with the law when she started binge drinking at the age of 16. She had dropped out of school and was thrown out of home by her mother. After a period “couch-surfing” with friends she went to Novas for help and was placed in DIAL House.The 19-year-old is now in a training course and “looking forward to the future”.“I see a future now. I have direction. I want to get my own apartment and make money for myself,” the Limerick girl revealed.“I am used to being here now and it’s getting better. I didn’t know what to expect at first. There’s a good atmosphere even if sometimes there’s rows over the TV and the Playstation,” she said.Grainne Madigan, acting coordinator at DIAL House.DIAL also offers an out-reach programme, for former clients living independently. There is an ever-increasing demand for this service with many care leavers living in precarious circumstances in the city. Much of this service is provided on a voluntary basis although Novas is currently developing a more structured approach to supporting this group. Staff provide practical and emotional supports by extending the in-house life-skills programme to ensure clients are maintaining their accommodation and actively engaging in society in a positive manner.In the past two years, Novas Initiatives have also worked with over 25 people in the community as part of DIAL House’s outreach work. The recent more structured approach will grow over the coming months with a focus on those leaving state care.Julie (23) who left DIAL House last month dropped in to say hello during my recent visit. I ask her how she is finding living independently?“I am happy but nervous. I made lots of good friends here and learned how to cook, which I had never done before..“I really enjoyed my time here and I do miss it. I come back to see my friends regularly. We’re like a family,” she said.As I depart DIAL House an apt quote from T.S. Eliot comes to mind, “Home is where one starts from”. This is certainly true of this extraordinary Novas-run service. Limerick Ladies National Football League opener to be streamed live Facebook WhatsApp TAGSAlan JacquesDIAL HousefeaturedhomelessnesslimerickNovas Initiatives Email Twitter Printcenter_img Previous articleReturn of the killer spidersNext articleWarning over bogus collections in Limerick Alan Jacqueshttp://www.limerickpost.ie Linkedin Limerick’s National Camogie League double header to be streamed live NewsLocal NewsYoung Limerick care leavers DIAL for helpBy Alan Jacques – April 9, 2015 1597 Limerick Artist ‘Willzee’ releases new Music Video – “A Dream of Peace” Advertisement Predictions on the future of learning discussed at Limerick Lifelong Learning Festival WATCH: “Everyone is fighting so hard to get on” – Pat Ryan on competitive camogie squads last_img read more

How Mortgage Delinquencies Could Impact Property Taxes

first_img Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly, Salon.com, Dallas Observer, Edible, and the Dallas Morning News, among others. Servicers Navigate the Post-Pandemic World 2 days ago Share Save The Week Ahead: Nearing the Forbearance Exit 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago  Print This Post The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago How Mortgage Delinquencies Could Impact Property Taxes in Daily Dose, Featured, Market Studies, News Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago September 30, 2020 1,526 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: COVID-19 Worsening Impact of Wildfires Next: Areas at Highest Risk of a Foreclosure Surge Related Articles 2020-09-30 Christina Hughes Babb About Author: Christina Hughes Babb Home / Daily Dose / How Mortgage Delinquencies Could Impact Property Taxes An atypically high number of mortgage delinquencies and forbearance programs should not significantly affect property tax payments, reported Fitch Ratings, provider of credit ratings, commentary and research, with the caveat that there is an increased possibility of timing delays. The report from Fitch cites the 2008 recession, noting that during that period of economic crisis, despite a large number of defaults and forbearances, overall property tax collections saw minimal decline.”Mortgage servicers are obligated to advance property taxes when a borrower is not making mortgage payments and, due to the elevated number of delinquent loans and loans in forbearance, servicer liquidity is critical,” Fitch reported. “Unemployment levels remain high, and Fitch expects a slower economic recovery following a third-quarter 2020 bounce back. In the absence of further federal aid, mortgage delinquencies may increase, placing greater pressure on mortgage servicers.”Property taxes are an important, generally stable source of revenue for local governments, the report noted. These taxes also serve to “moderate higher volatility” found in “more economically sensitive taxes, service charges, and state aid.”As detailed in Fitch’s U.S. RMBS Sustainable Home Price Report (Second-Quarter 2020), home prices are rising (although growth is decelerating).Black Knight reported that mortgage delinquencies, excluding mortgages in foreclosure, declined in August to 6.9%, but the rate of decline was slower than in months leading up to it. The total delinquency rate during the Great Recession peaked at 10.6%.More forbearances have been offered that during the 2008 recession, but those too are beginning to decline, according to Mortgage Bankers Association, which this week reported that 6.8% of mortgages are in forbearance.Noted Fitch, “Mortgages in forbearance are generally reported as delinquent, although some borrowers with loans in forbearance are still making payments on time.”Some local governments have waived late-payment fines and/or postponed property tax deadlines for those who can prove that coronavirus has hindered their ability to pay, Fitch noted.Property tax delays, say the researchers at Fitch, “are predictable and allow officials to plan for alternate sources of liquidity until tax payments are received. In contrast, an inability by servicers to advance payments to governments could cause an unexpected short-term liquidity shortfall.”Fitch Ratings’ full report is available here. Servicers Navigate the Post-Pandemic World 2 days ago Subscribelast_img read more