AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Web site owners will qualify for commission on any sales made within 90 days of delivering their visitors to the Big Issue Lists site. AffiliateWindow handle the affiliate tracking and reporting elements of the campaign for The Big Issue Lists.Participating Web site owners have a range of creative banner ads and buttons to choose from to take part in the campaign: The Big Issue Lists tests online affiliate marketing 19 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Howard Lake | 30 April 2004 | News Tagged with: Consulting & Agencies Digital The Big Issue Lists is the latest social enterprise to test the viability of online affiliate marketing, selling its how-to lists via the AffiliateWindow network.The Big Issue Lists is offering Web site owners commission for generating online purchases of its how-to guides to everyday life. The organisation will give 25% of the commission made to the Web site owner that generates the sale, and 25% will be donated to The Big Issue.The Big issue Lists offers advice sheets on many elements of life such as making a will, drawing up a tax return, parenting, and employment. Advertisement About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.
Melanie May | 27 November 2019 | News About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com. A local social enterprise has won two out of 12 categories at the 2019 Worcestershire Apprenticeships Awards.Give as you Live, an Evesham-based social enterprise that helps individuals to raise charitable funds at no cost to themselves by shopping via its online portal, won in the categories of Small Business Apprentice Employer of the Year, and Intermediate Level Apprentice of the Year for Rachel Layton at this year’s Worcestershire Apprenticeships Awards.Annabelle Risdon, Director at Give as you Live, commented: “As a small team of 18 based in Worcestershire, we are passionate about the local area and want to encourage further learning to support the community with their employment efforts. The apprenticeship strategy we have in place ensures we offer a minimum of two roles per year across marketing and charity services to harness local talent within the business and demonstrate commitment to the scheme. “We credit ourselves on empowering our apprentices and offering various opportunities to progress within their roles. To date, we have offered five out of six apprentices full-time employment and each have decided to stay and progress within the company. We’re thrilled to have won in both categories and will continue to strive for excellence across all areas of our organisation.”Rachel Layton, whose story helped Give as you Live secure Intermediate Level Apprentice of the Year commented: Advertisement AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Tagged with: Awards Give as you Live social enterprise 257 total views, 2 views today Give as you Live a double winner at Worcestershire Apprenticeships Awards “I’m delighted my journey with Give as you Live has been chosen to win. Originally I wanted to be a paramedic but due to health issues, this career path was unlikely to happen. I was unsure if an office environment was right for me as I’m quite a lively person and enjoy doing different tasks each day. However, I gave it the benefit of doubt and I’m so glad I did! My apprenticeship has made me certain I want to continue to build my career in customer service, hopefully up to managerial level lead my own team. I cannot see myself in any other job.”Give as you Live works with more than 4300 retail partners and 200,000 UK charities, and has raised millions for good causes over the past decade by giving a percentage of each transaction made through the online portal, at the retailer’s expense, donated to the user’s chosen charity. 258 total views, 3 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis
“The Department of Labor’s decision to withdraw enforcement of the Occupational Safety and Health Administration’s small farm grain bin guidance is a positive step forward for agriculture. The American Farm Bureau Federation is optimistic that this action will result in OSHA’s compliance with the small farm exemption as required by law,” said AFBF President Bob Stallman after the agency made the announcement. “Farm safety is a top-of-mind priority for our farmers. Throughout the country, state and county Farm Bureaus conduct safety training programs and work to ensure that everyone who is working on a farm is trained and safe. We not only appreciate OSHA’s concern with grain bin safety, we are committed to grain bin and farm safety. But we also believe that the key to improving farm safety is a collaborative, cooperative process that was not helped by OSHA’s enforcement under the just-rescinded 2011 guidance document that was not consistent with the law,” Stallman added. DOL Withdraws OSHA Farm Policy By Gary Truitt – Feb 12, 2014 SHARE Facebook Twitter SHARE Facebook Twitter Stallman noted the issue had generated a good deal of concern both on the farm and in Congress, “Farm Bureau appreciates the efforts on this issue by the House Education and Workforce Committee, including Worker Protections Subcommittee Chairman Tim Walberg (R-Mich). We also commend Sen. Mike Johanns (R-Neb.) and Rep. Adrian Smith (R-Neb.) for coordinating bipartisan letters drawing attention to this important issue. We encourage DOL to reach out to farm groups to help develop additional farm safety programs. Preventative measures would better serve OSHA’s and the farm community’s shared goal of farm safety.” Home Indiana Agriculture News DOL Withdraws OSHA Farm Policy Previous articleSouthern Indiana Farmer to be Honored at Classic for 374 Bushel CornNext articleUSDA’s Vilsack to Address 2014 Commodity Classic Gary Truitt
Morocco / Western SaharaMiddle East – North Africa Hunger strike is last resort for some imprisoned Moroccan journalists December 20, 2005 – Updated on January 20, 2016 Morocco puts US censorship busting site Anonymizer.com on its black list June 8, 2021 Find out more April 28, 2021 Find out more RSF joins Middle East and North Africa coalition to combat digital surveillance The Moroccan government has blocked US website Anonymizer.com that allows Internet-users to get round censorship, days after Reporters Without Borders recommended its use to access Sahrawi websites.These websites, promoting independence for Western Sahara, have been censored since the beginning of December.Reporters Without Borders released a handbook for bloggers and cyberdissidents in September 2005, containing advice on a number of technical methods of circumventing Internet filtering.—————2.12.05Access to Sahrawi sites blocked within MoroccoReporters Without Borders today condemned the censorship of many websites supporting the Polisario Front’s struggle for Sahrawi independence, such as Arso.org, which have been made inaccessible within Morocco.Calling on the Moroccan authorities to stop blocking access to sites dealing with Western Sahara, the organisation said: “It should not be possible to take a decision to filter a website without a fair trial taking place first. Banning an online publication simply on the basis of an administrative decision is a serious violation of free expression.”Reporters Without Borders has verified that the arso.org, cahiersdusahara.com, cahiersdusahara.com, wsahara.net and spsrasd.info websites have all been rendered inaccessible in Morocco since 21 November. These sites all criticise Morocco’s control of Western Sahara and encourage protests, but they do not call for violence.A “connection failure” type of error message is displayed when someone tries to access one of these sites. The decision to block may have been taken by the communication ministry, which is responsible for censorship, or the interior ministry, while monitors the Sahrawi problem. Local sources said the filtering can nonetheless be easily sidestepped by using an online proxy such as www.anonymizer.com.ARSO – the Free and Legitimate Referendum in Western Sahara Support Association – carried photos on its website in September that showed Sahrawi prisoners being held in extremely harsh condition in the prison in El Ayoum, the territory’s main city. The local state prosecutor reacted by ordering an investigation with the aim of “exposing all those implicated in this vile act that jeopardises the reputation of the prison where the inmates are held.”Western Sahara was annexed by Morocco in 1975 and the Polisario Front wants it to be independent. The situation in the territory is extremely tense, with frequent clashes between the population and the security forces. Organisation Help by sharing this information Reporters Without Borders today condemned the censorship of many websites supporting the Polisario Front’s struggle for Sahrawi independence, such as Arso.org, which have been made inaccessible within Morocco. Morocco / Western SaharaMiddle East – North Africa to go further NSO Group hasn’t kept its promises on human rights, RSF and other NGOs say News Receive email alerts News Follow the news on Morocco / Western Sahara News News RSF_en April 15, 2021 Find out more
Tagged with: Fannie Mae Gross Mortgage Portfolio Monthly Summary Mortgage-Backed Securities Data Provider Black Knight to Acquire Top of Mind 2 days ago in Daily Dose, Featured, News, Secondary Market Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Share Save Fannie Mae’s gross mortgage portfolio continued its downward trend in December, falling at a compound annualized rate of 26.4 percent, according to Fannie Mae’s December 2014 Monthly Summary released recently.The value of Fannie Mae’s mortgage portfolio fell from $424 billion in November down to $413 billion in December. Since the end of June 2010, when the value of the portfolio stood at $818 billion, its compound annualized rate has declined in 53 of the last 54 months. The only month during that time when the portfolio grew was in December 2012, when it increased by 1 percent.For the entire year of 2014, the average compound annualized rate for the enterprises’s gross mortgage portfolio was 15.8 percent. In four different months during 2014, it declined at a compound annualized rate of more than 20 percent, including a high of 28.9 percent from October to November. The 2014 average compound annualized monthly decline rate of 15.8 percent is still an improvement from 2013, when the average monthly decrease was 22.5 percent.December’s compound annualized rate decline of 26.4 percent for the gross mortgage portfolio was the eighth-highest rate for any one month since the FHFA’s conservatorship of Fannie Mae began in September 2008. The highest rate of decline occurred in January 2010, when it dropped by 44.8 percent.”As per the Senior Preferred Stock Purchase Agreement with Treasury, Fannie Mae was required to reduce the size of its gross mortgage portfolio to $469.6 billion by December 31, 2014,” Fannie Mae spokeswoman Katherine Constantinou said. “In October 2014, FHFA requested an additional annual reduction of 10 percent, which revised the portfolio cap to $422.7 billion for the year ended 2014.”Despite the large dropoff in Fannie Mae’s gross mortgage portfolio in December, other components propelled the overall Book of Business to a compound annualized rate increase of 1.6 percent from November, according to the summary. It was the third time in the last four months the overall Book of Business has grown following eight straight months of decline to begin 2014.Monthly increases in new business acquisitions and total Fannie Mae mortgage-backed securities and other guarantees pushed the value of the Big Book of Business up to $3.124 trillion in December, up from $3.119 trillion in November.Also in December, the serious delinquency rate on Fannie Mae’s conventional single-family mortgage loans declined by two basis points from November down to 1.89 percent. December marked the 37th month in a row the serious delinquency rate declined at least one basis point month-over-month; the last time the rate did not decline was when it held steady at 4.0 percent from October to November 2011.”As a result of home retention solutions, foreclosure alternatives, and completed foreclosures, as well as the company’s acquisition of loans with stronger credit profiles since the beginning of 2009, Fannie Mae’s single-family serious delinquency rate has declined each quarter since the first quarter of 2010,” Constantinou said.The value of Fannie Mae’s mortgage-backed securities and other guarantees totaled $2.803 trillion in December, representing an annualized compound rate month-over-month increase of 5.5 percent – marking the fourth time in the last sixth months the total value of Fannie Mae MBS has expanded after starting 2014 with six straight months of decline. For the entire year of 2014, the value of Fannie Mae’s MBS and other guarantees remained nearly unchanged from its value at the end of the previous year – $2.083564 trillion in 2014 compared to $2.083849 trillion at the end of 2013.The number of loan modifications Fannie Mae completed in December (8,951) also increased from November (7,417), giving the enterprise 122,823 loan mods for the entire year of 2014 – an average of 10,235 per month. Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days ago About Author: Brian Honea Home / Daily Dose / Fannie Mae’s Gross Mortgage Portfolio Takes Another Tumble in December February 2, 2015 947 Views Related Articles Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Previous: HUD Provides Guidance for Use of Housing Trust Fund Allocations Next: Servicers Name Property Preservation as Biggest Challenge With FHA Loans The Best Markets For Residential Property Investors 2 days ago Fannie Mae Gross Mortgage Portfolio Monthly Summary Mortgage-Backed Securities 2015-02-02 Brian Honea Fannie Mae’s Gross Mortgage Portfolio Takes Another Tumble in December Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribe
Demand Propels Home Prices Upward 2 days ago Home / Daily Dose / After Hurricane Michael’s Landfall … The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Government, News October 12, 2018 2,745 Views The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Hurricane Michael, which made landfall on the Florida coast on Wednesday as a Category 4 storm has left a trail of destruction in its wake. The preliminary numbers from CoreLogic estimate that the total damage to insured residential and commercial property due to wind and storm surge after the hurricane’s landfall stood at $3 billion to $5 billion. Around $0.5 billion to $1 billion is estimated from losses due to storm surge and includes properties covered by the National Flood Insurance Program.With the estimated damage to properties rising, the U.S. Department of Housing and Urban Development (HUD) announced on Friday that it would speed federal disaster assistance to Florida by providing support to homeowners and low-income renters affected by the hurricane. In particular, HUD said that it was offering foreclosure relief and other assistance to families living in Bay, Franklin, Gulf, Taylor, and Wakulla counties, where a major disaster declaration was issued by President Trump recently.HUD plans to provide immediate foreclosure relief for homeowners with an FHA loan facing foreclosure due to the disaster in these counties. Additionally, HUD said that its Section 203(h) program provided FHA insurance to disaster victims whose homes were destroyed or damaged to such an extent that reconstruction or replacement is necessary “and are facing the daunting task of rebuilding or buying another home. Borrowers from participating FHA-approved lenders are eligible for 100 percent financing, including closing costs.”For homeowners who have lost their homes, HUD said that its Section 203(k) loan program enabled such homeowners to finance the purchase or refinance of a house along with its repair through a single mortgage. “It also allows homeowners who have damaged houses to finance the rehabilitation of their existing single-family home,” HUD said.While Florida was the hardest hit with $2.5 billion to $4 billion estimate in wind and storm surge damage, the destruction in Alabama and Georgia was estimated at $0.5 billion to $1 billion.Read more about the assistance being offered by other agencies:The Mortgage Industry Braces Itself for Hurricane Michael Previous: Q3 Mortgage Revenue Drivers Next: Former Amazon Economist Joins Redfin Team Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily After Hurricane Michael’s Landfall … Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Servicers Navigate the Post-Pandemic World 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. About Author: Radhika Ojha Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Related Articles Print This Post Assistance CoreLogic Disaster Foreclosure HUD Hurricane mortgage relief 2018-10-12 Radhika Ojha Tagged with: Assistance CoreLogic Disaster Foreclosure HUD Hurricane mortgage relief Subscribe
Servicers Navigate the Post-Pandemic World 2 days ago Don’t Worry About Cash-out Refis Just Yet The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, News, Secondary Market Print This Post About Author: Radhika Ojha October 30, 2018 2,863 Views Cash-out Home Equity Homeowners loans mortgage Refinance Urban Institute 2018-10-30 Radhika Ojha Cash-out refinancing is rising, but the Urban Institute gives three reasons why the growing share is no reason for concern just yet.According to a blog by Urban Institute’s Housing and Finance Policy Center, the share of refinance loans where borrowers increase their loan balance to extract equity from their home has reached the highest point since 2008 and stood at 77 percent of total refinances in the second quarter of 2018. However, the volume of home equity cashed out was still below crisis peak totaling $15.8 billion during the quarter far below the highs between $75 billion and $85 billion during the pre-crisis years.Apart from the low volume, the report gave three additional reasons as to why it wasn’t time yet to ring the alarm bells.First, cash-out refinance share was strongly correlated with home price appreciation and rising interest rates. This meant that homeowners typically chose to refinance their mortgage to lower their monthly payment by obtaining a lower interest rate or to extract equity from their home. The current environment of rising rates and strong home price appreciation, the report pointed out, was driving the higher cash-out refinance share and as homes increased in value, borrowers got an added incentive to refinance their loans and tap into their mounting equity.According to the Urban Institute, the second reason was that the share of cash-out refinance to total production was in line with historic trends. Putting the numbers in context, the report said that Over the past few months, the overall refinance share of total mortgage loans was at or near the lowest point in years, largely because rising interest rates made rate refinances unattractive to most mortgage holders. “Refinance loans make up such a small share of total loan production—currently below 30 percent for Freddie Mac—so the cash-out refinance share of all loans is still within a reasonable range and below the dangerous levels of the crisis years,” the Urban Institute said in its blog.Lastly, the report revealed that borrowers were extracting less equity than they did during the financial crisis. Giving a historical perspective, the report said that in 2006, cash-out dollars as a share of refinanced originations peaked at 31 percent, meaning that borrowers then were extracting a significant portion of their equity. “Today, cash-out dollars as a share of all refinanced originations is 21 percent and has averaged just below 8 percent since the crisis. Part of this reflects the fact that Fannie Mae, Freddie Mac, and the Federal Housing Administration have lowered the maximum loan-to-value ratio for cash-out refinances, reducing the amount of cash that can be extracted,” the report said. Demand Propels Home Prices Upward 2 days ago Tagged with: Cash-out Home Equity Homeowners loans mortgage Refinance Urban Institute 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. The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily Previous: A Comeback With A Twist Next: Scaring Up Home Values The Week Ahead: Nearing the Forbearance Exit 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Home / Daily Dose / Don’t Worry About Cash-out Refis Just Yet Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles
Previous articleDonegal’s healthcare workers ‘overworked & burnt out’Next articlePringle calls for clarity on Covid plans News Highland Facebook By News Highland – February 10, 2021 Harps come back to win in Waterford Important message for people attending LUH’s INR clinic RELATED ARTICLESMORE FROM AUTHOR Relief as Covid vaccines get underway at Inishowen facility AudioHomepage BannerNews Twitter News, Sport and Obituaries on Monday May 24th Residents and staff at St Columbcille village in Clonmany have begun receiving their vaccinations against Covid-19 this morning.It brings to an end weeks of worry for all concerned.Initially, the facility was not top of the vaccine roll out list because it’s not a nurse -led centre, which had sparked major public outcry among family members.Speaking on today’s Nine til Noon Show, Ann Doherty, Manager of the St Columcille Village in Clonmany says they are so relieved:Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2021/02/ann1pm.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Derry draw with Pats: Higgins & Thomson Reaction Pinterest WhatsApp Google+ DL Debate – 24/05/21 Pinterest Facebook FT Report: Derry City 2 St Pats 2 WhatsApp Google+ Twitter
Previous Article Next Article Comments are closed. Human Resources World Congress in Paris.On 6 Jun 2000 in Personnel Today More than 2,000 delegates from 62 countries attended the eighth Human Resources World Congress in Paris.The four-day event attracted HR professionals from countries as far a field as Venezuela, Singapore, Ghana and Russia. Although the majority of delegates were French, 40 British delegates attended including representatives from the BBC, BP Amoco, and BA. Organised by the World Federation of Personnel Management Associations every two years, the next event will be staged in Mexico in 2002. The highlight of the conference was a glittering dinner at Versailles and a closing speech by French president Jacques Chirac.www.wfpma.com Related posts:No related photos.