Alan Oscroft | Wednesday, 6th May, 2020 | More on: VMUK Enter Your Email Address The stock market crash has seriously hammered the banking sector, but I think it’s overdone. I’m suffering with my Lloyds Banking Group shares myself, having watched their price collapse. And I don’t even have any dividend income for comfort. I’d definitely buy Lloyds shares now, though, as I think they’re just too cheap. But there’s another I have my eye on, and it’s one of the challenger banks.I’ve been down on challenger banks during the Covid-19 pandemic. My thinking is that they just don’t have the same balance sheet robustness to see it through. And if a bank is going to go bust in the stock market crash, it’s going to be one of the smaller ones, right?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…As if to support that theory, shares in Virgin Money (LSE: VMUK) have fallen a good bit further than the big FTSE 100 banks. Since the slide started, Barclays shares are down approximately 40%. Lloyds is doing worse with a 45% crash. And Virgin Money shares have lost more than 55% of their value. The stock market crash has hit them all, but the markets seem to share my fears about challenger banks.Stock market crashSo is Virgin Money likely to go bust? A first-half update released Wednesday convinces me it isn’t.Chief executive David Duffy did speak of “an increased impairment charge of £232m against future loan losses and a reduction in underlying profitability.” But he added: “We enter this period from a position of strength, with a defensive loan book and resilient capital position.”That impairment charge is a big sum for a small bank, but the bank still recorded underlying profit of £120m. That’s 58% down from the £286m recorded for the same period last year. But Virgin says that’s down to the effects of the Covid-19 impairment.Liquidity strengthBut what’s the bank’s balance sheet health looking like? Virgin says it has “balance sheet provision reserves of £542m.” That sounds safe enough to me, at least in the relatively near term. We’re looking at a CET1 ratio of 13% too, which suggests the robustness to withstand a fair bit more of the stock market crash.What might bad debts look like? The bank’s loan book is 82%, composed of what it calls high-quality mortgages. There’s 11% in business lending. But Virgin says there’s “no material exposures to the more immediately impacted sectors” contained in that. Personal lending accounts for 7% of the total, but that’s said to be mostly in high-quality credit cards. That all sounds reasonably comfortable to me.Healthy sizeThe current incarnation of Virgin Money came from the 2018 buyout by Clydesdale & Yorkshire Banking Group. Even after its fall in the current stock market crash, Virgin still has a market cap of over £1bn. As such, I think it’s at considerably less risk than some of the smaller challenger banks.I don’t think any FTSE 100 banks are going to go bust. And I really don’t think Virgin Money will either. I see it coming through this crisis with a strong future. The shares, in my opinion, are cheap. And I reckon it’s a good time to buy. Simply click below to discover how you can take advantage of this. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Alan Oscroft owns shares of Lloyds Banking Group. The Motley Fool UK has recommended Barclays and Lloyds Banking Group. 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. “This Stock Could Be Like Buying Amazon in 1997” 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. 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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. Royston Wild | Sunday, 31st January, 2021 | More on: NWG Enter Your Email Address The FTSE 100 is packed with UK shares that I think should thrive in 2021. But NatWest Group (LSE: NWG) is one mega cap I won’t be adding to my Stocks and Shares ISA. The risks for this British bank are considerable, not only as the UK economy struggles but as competition in the banking sector hots up.The possibility of bad loans spiking and revenues sinking are not the only worry for the banks. The likes of NatWest have stepped up cost-cutting in response to the pandemic. And more branch closures are in the crosshairs to help support these UK shares’ bottom lines. Their ability to keep slashing expenses might take a whack if recent regulatory intervention is any indication, however.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…The FCA gets stuck in (again)Last week the Financial Conduct Authority (FCA) called on Britain’s banks “to consider pausing or delaying new branch closures where possible, particularly where this could have significant impact on vulnerable customers.” The body rolled out new rules in September requiring banks to assess the impact of closures on their customers and for them to disclose plans to ensure they are “treated fairly”.NatWest and its peers have closed hundreds of branches in recent years as digital banking has taken off. This has caused no shortage of concern from the regulator, consumer groups, and from MPs on the Treasury Select Committee. The FCA has made its latest intervention as it fears Covid-19 lockdowns will make it even harder for customers to reach a branch. But it could have long-term ramifications ofr the cost-cutting plans of the banking sector.A pricey UK shareAs I say, I won’t be buying NatWest shares in 2021. But there are reasons why the bank’s share price could perform strongly in the months ahead. Signs that the domestic economic recovery is beginning to click through the gears could lift investor appetite for such cyclical shares.And news that the FTSE 100 company’s balance sheet has continued to strengthen might improve market interest too. This would raise speculation that NatWest will start paying dividends again after canning them in early 2020. Latest financials showed the bank’s common tier equity (or CET1) ratio improving to a mighty 18.2% as of the end of September. This was up a full percentage point from the halfway point of 2020.City analysts reckon NatWest will recover strongly from Covid-19-hit 2020. They think it will move back into profit in 2021 after reporting losses last year. And they predict that the UK share’s earnings will soar more than 170% year on year in 2022.These projections leave the bank trading on a forward price-to-earnings (P/E) ratio of 28 times. But I feel it’s a hefty reading that leaves NatWest’s share price in danger of sinking should trading conditions remain tough for longer and profits disappoint. All things considered, I’d rather buy other UK shares for my Stocks and Shares ISA today. FREE REPORT: Why this £5 stock could be set to surge Our 6 ‘Best Buys Now’ Shares Get the full details on this £5 stock now – while your report is free. Image source: Getty Images. See all posts by Royston Wild Are you on the lookout for UK growth stocks?If so, get this FREE no-strings report now.While it’s available: you’ll discover what we think is a top growth stock for the decade ahead.And the performance of this company really is stunning.In 2019, it returned £150million to shareholders through buybacks and dividends.We believe its financial position is about as solid as anything we’ve seen.Since 2016, annual revenues increased 31%In March 2020, one of its senior directors LOADED UP on 25,000 shares – a position worth £90,259Operating cash flow is up 47%. (Even its operating margins are rising every year!)Quite simply, we believe it’s a fantastic Foolish growth pick.What’s more, it deserves your attention today.So please don’t wait another moment. FTSE 100 watch: should I buy this UK share for my Stocks and Shares ISA today? Royston Wild has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Simply click below to discover how you can take advantage of this. 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.
The Apopka Voice, are you not going to allow me to answer to the lady above by posting my response to her? I am waiting to see if you are going to post my response to her. From the Editorial Board of The Apopka Voice After a thorough analysis of the single member district voting initiative being promoted by the South Apopka Ministerial Alliance, there are a few things we have learned. First, it’s clear that well-informed people are on both sides of this issue, and people with a true heart for the good of Apopka can see this issue from both sides.Good people can disagree. Informed people can disagree too.Pastor Doug Bankson, a candidate for Seat#3 of the Apopka City Commission, cites a study done by Professors at Princeton and Portland State Universities that shows single member districts can run counter to electing an African-American. It also shows that at-large districts can potentially promote female candidates more effectively than single member districts. On his website, Bankson states:“I believe now they would create more division and only secure one vote for themselves while not garnering the votes to pass important changes.”That is a thoughtful and well-informed opinion, and certainly he is right that they would only have one vote representing their district.Mayor Joe Kilsheimer says he is not convinced the Alliance will get what they want with a single member district. He also says that the four sitting commissioners and himself are being held accountable for all of Apopka – including the southern portion of the City.That’s a reasonable position and certainly he is correct that he, and the City Commissioners are being held accountable, judging by the public comments at City Council meetings.In early 2014, the Apopka City Charter Review Committee met to discuss three issues – term limits, adding two commissioners to the City Council, and single member districts. The committee concluded with a vote of 7-0 that single member districts would be a bad idea. Their reasons were:It’s a complex issueIt will be a cumbersome and time consuming processThey preferred all commissioners to be accountable to all votersThe two re-districting cycles (at the state level) were extremely difficultCommissioners are easily accessible nowThe only good reason to have districts is if communication breaks down. But Apopka is small enough that there is no reason to depart from what we have.In short, there are a lot of reasonable, well-researched and heartfelt theories of why a single member district would be detrimental to Apopka. However none of those well-researched, reasonable and heartfelt theories match with the reality of what is happening in South Apopka.Pastor Hezekiah Bradford asked a series of questions to The Apopka Voice that illustrates his case.“Drive through South Apopka. Is the housing equal to the rest of Apopka? Are the roads and infrastructure equal to the rest of Apopka? Are the parks and recreation facilities equal to the rest of Apopka? Is it equally safe in South Apopka as it is in the rest of Apopka?”“That’s the reasons we need single member districts,” he concluded.All commissioners are accountable for South Apopka as well as all of Apopka. That statement in theory is true – it just isn’t working out that way. Running The City of Apopka is a full-time effort, and there are needs in all of its communities – North and South – East and West. The City has a $90 Million budget, is days away from potentially closing on a long-awaited City Center Project, and countless other issues to deal with every day.Still, the residents of South Apopka believe they are slipping through the cracks.But consider this … The South Apopka Ministerial Alliance states that their “want” for a single member district is not to get an African-American commissioner, but a resident of South Apopka they can hold accountable no matter their race, gender or age. That means that if there were single member districts, it is an absolute certainty they would get that person.The Apopka Voice is in agreement with The Apopka Ministerial Alliance, as well as the two most senior commissioners (Bill Arrowsmith 39 years a commissioner and Billie Dean 21 years a commissioner) that the City Council should add the single member district to the February 17th City Council Meeting agenda and vote in favor of taking the next step and sending it to the people of Apopka to vote on at the next reasonable voting cycle. LEAVE A REPLY Cancel reply Share on Facebook Tweet on Twitter Reply January 28, 2016 at 12:51 pm January 26, 2016 at 6:41 pm Tenita Reid 5 COMMENTS UF/IFAS in Apopka will temporarily house District staff; saves almost $400,000 Reply Sue Grandy What is the Apopka Ministerial Alliance’s true motive? Seriously. While I respect their right to address the council, and ask for the ballot initiative, remember, it will not be the Apopka Ministerial Alliance that gets the right to draw up the districts ( like in the display illustrative map above) and also it seems like it would be just another issue to fight over, not unlike the gerrymandering fiasco that in the state, has been going around in circles over and over for the longest. People can vote however they want, if it goes to the ballot. Vote for it, if that is what you believe would be best. Vote against it, if you don’t care for it. Simple. It will cost the city more $$$$$$ just to have the ballot initiative, probably, as that is usually what we hear. I like having all the commissioners represent myself, even if I can’t always persuade them on issues, at least I have several with two ears each, hopeful who will listen. I won’t vote in favor of the single districting. Nope, and I still do not know what the hybrid method is. I agree with the Ryan fellow who said that the other commissioners in a different district, other than your own district, won’t care one way or another about what concerns a citizen brings forth, as an issue before the council, if he or she, is not in their district, as in the single district method. The old NIMBY (not in my backyard) theory. As far as the super voters, they are going to turn out to vote, regardless of which district they are placed in. My home, as well as my neighbor’s homes, in my older neighborhood, don’t equally compare to other newer, more expensive homes in other areas of Apopka, so what? Same thing in south Apopka, so what? Do they expect the city to build them new homes down there? The Alonzo Williams Park is in the process of getting some very nice new improvements, and the new building is very attractive. Wish the Dream Lake Park near my neighborhood was as nice, as the Alonzo Williams Park in south Apopka. There are some roads over my way, that could use repaving, not just south Apopka, so what? If you ask me, the Apopka Ministerial Alliance is trying to turn Apopka City Hall into a church. The church is the proper place to instill God in people’s lives, not city hall. Gov. DeSantis says new moment-of-silence law in public schools protects religious freedom January 28, 2016 at 9:40 am You have entered an incorrect email address! Please enter your email address here Please enter your name here You, dear lady, are a very insulting, biased person, who only can see one viewpoint, that is, whose side you are on. YOU AND YOUR KIND, are what is wrong with this city. This mentality, that is going around, that a person has to be on this group’s side, or that group’s side, and that the elected officials have to be a part of the change group, or the legacy group.. It is wrong to do this, and not giving the candidates credit that they can think for themselves, and vote the way that they think is best for our city. I don’t buy into that notion AT ALL! I have been going to Apopka City Council meetings for a very long time starting back in 1994, and have been going off and on, for a long, long, time. I have seen decisions made under Mayor John Land’s administration that I disagreed with, and I have seen decisions under Mayor Joe Kilsheimer’s administration, that I have disagreed with. I also have seen decisions on both sides, that I have agreed with wholeheartedly. I have also lived here since 1970 so I have witnessed many changes in our city, good and bad. We had one ballot issue to vote on when Mayor Land was office, that only the super voters could vote on the issue. Were you aware of that? Do you think that is fair? I am not for single member districting, and I make no apologies for that, I prefer the at large districting. You do not discourage me, you do not make me, you do not break me, and your accusations about some of the elected officials, are way over the line. I happen to like Christine Moore, and I think she is doing a great job serving the Orange County School Board. I think she has the students best interest at heart, and her consulting business is HER business, and the candidates can hire whoever they want to manage their campaigns. You don’t know my needs, or concerns, so don’t tell me what I should be concerned with. Your conspiracy theories about the elected officials, are just a bunch of junky old stuff. Tenita Reid Okay, I will try again to get this posted again. Ms. Grandy, I don’t know you, and you don’t know me, but your comments about my mentality of being of a bug are very insulting and you appear to be a very biased person. It is you who is trumping the racial card, not me. I am simply stating there are other areas of the city that need attention other than just south Apopka, and I am speaking of south Apopka in the City of Apopka municipal boundaries, not the census recognized portion of South Apopka in Orange County unincorporated section. OK? I also noticed you identified your area of residing, as the “north side” of Apopka, and thus you are a part of the problem of this city’s woes, the division of Apopka. I noticed you didn’t say, that you were an Apopka resident, but a resident of the “north side”. Very interesting. I am against the single member districting, and I make no apologies for that, I prefer the “at large” districting. Your commentaries on other articles about our elected officials are way out of line. I happen to appreciate Christine Moore’s efforts as our school board representative, and I like her as a person. I think it is wrong of anyone in this city, no matter who they are, to try to attempt to divide this city further, whether it is because of political, racial, or economic status, and I for one, do not believe in this notion, that you have to be on this group’s side, the “change” group, or the ” legacy” group. This kind of thinking is so wrong, but it appears that you have slipping into the trap. There have been decisions under former Mayor John Land that I did not agree with. There have been decisions under Mayor Joe Kilsheimer that I have not agreed with. There have been decisions that I have agreed with 100% wholeheartedly with both administrations. I believe the candidates should vote what they believe is best for this city, if elected, and disregard this “groupie mentality”. I am not a newbie at attending Apopka City Council meetings. I started going on and off since 1994, and I have lived in this city since 1970, so I have seen a lot of good and bad changes. I resent your nasty comments about “use my brain’. I resent you telling me what I should be concerned about. You don’t know my needs, or my concerns at all, so don’t attempt to tell me what I should be concerned about. Christine Moore’s consulting business is HER business, and I am not concerned at all about HER business. The Apopka City Council candidates can hire whoever they want to manage their campaigns, it doesn’t concern me one bit. As far as the super voters, were you aware of the one ballot initiative that only the super voters were allowed to vote on? Do you think that was fair to all the rest of the Apopka’s qualified registered voters, and this occurred with Mayor Land at the helm . More people do need to vote, but you can lead a horse to water, but you can’t make him drink. Your commentaries are just a bunch of junky old stuff, and you do not make or break me, nor discourage me, as a resident who will speak my mind. Please enter your comment! January 27, 2016 at 10:24 pm Reply January 28, 2016 at 1:52 pm Tenita Reid Save my name, email, and website in this browser for the next time I comment. Florida gas prices jump 12 cents; most expensive since 2014 Tenita, unfortunately if you didn’t have the mentality of a bug, you might be able to see the long view. You are part of the overall problem, this is not race related, I reside on the north side and the problem of political accountability exists for me as well. Seriously, you can’t reasonably expect 4 elected officials that are not accountable to any geographic population to be held accountable at the polls. Come on use your brain. You are very short sighted; yes we do have supervoters whom reside in 3 northern sections of our city that determine the outcome of elections for the entire city. Placing single member districts on the ballot does not achieve the end result, due in large part to the disproportionate segment of contiguous city boundaries versus city / county boundaries in the heart of the city with reduces the strength of a solid voting bloc. What you need to concern yourself with is why do we have an elected school board member (Christine Moore) serving as the campaign manager for Sam Ruth and Kyle Becker while serving as our elected school board member. Don’t our children deserve her full attention, or better still, if she must moonlight, do it in a district that she wasn’t elected to serve our children’s best interest. Does she work for Mayor Kilsheimer full time or just when he needs her? By the way, the only resolve for the single member district will be litigation, the facts speak for themselves… Reply Reply Tenita Reid TAGSApopka City CommissionSingle member districtsouth apopka Previous articleApopka City Council Seat 3 Candidate Q&A – Week 4Next articleTonight: City Council Candidate Forum Denise Connell RELATED ARTICLESMORE FROM AUTHOR
Please enter your comment! LEAVE A REPLY Cancel reply Please enter your name here TAGSGood News Previous articleWhy child care costs more than college tuition – and how to make it more affordableNext articleIn case you missed it: The Apopka news week in review Denise Connell RELATED ARTICLESMORE FROM AUTHOR UF/IFAS in Apopka will temporarily house District staff; saves almost $400,000 Gov. DeSantis says new moment-of-silence law in public schools protects religious freedom Share on Facebook Tweet on Twitter Save my name, email, and website in this browser for the next time I comment. 5 “good news” stories this week in The Apopka Voice:Here are five articles published this week in The Apopka Voice that will enlighten, inspire and engage you. Enjoy.Breaking News: Governor Scott names Apopka businessman Rod Love to the Orange County CommissionLake Apopka Wildlife Drive celebrates its 3rd Anniversary this weekendApopka High School Beta Club needs your helpPut a little love in your heartWe called out for help… and God answered You have entered an incorrect email address! Please enter your email address here Florida gas prices jump 12 cents; most expensive since 2014
ArchDaily Manufacturers: DessineConstrution:HW EngenhariaLandscape Design:Ney UrurahyCollaborators:Livia TomazoliArchitect In Charge:Patricia Almeida ArquiteturaCity:BrasíliaCountry:BrazilMore SpecsLess SpecsSave this picture!© Edgard CésarRecommended ProductsWindowsKalwall®Facades – Window ReplacementsWindowsOTTOSTUMM | MOGSWindow Systems – BronzoFinestra B40DoorsLonghiDoor – HeadlineDoorsRabel Aluminium SystemsMinimal Sliding Door – Rabel 62 Slim Super ThermalText description provided by the architects. The house is located in a residential area of Brasilia that despite being in the city center, provides great interaction with nature. Given the urban planning requirements of the district, the project focuses within the minimum limits of recess from the access road so the entire background could be occupied by the green area, as requested by the customers.Save this picture!© Edgard CésarThe project starting point was the couple’s desire to have a house that integrates with the landscape, combined with the functionality and aesthetics.Save this picture!© Edgard CésarOur goal was to bring the landscape into using the architecture. The project designed from the outside in shows full integration between the interior and exterior, and through large openings and skylights, it values the natural lighting and ventilation.Save this picture!Ground Floor PlanThe impenetrable surfaces of the main façade guarding the findings surprise reserved for those who enters. Daylighting happens many ways, but its main impact comes from above and it is present in almost all the house’s rooms. The sky can be seen from various parts of the house.Save this picture!© Edgard CésarThis natural light brings light and breaks the straight lines’s coldness, valuing the materials used and providing a better use of daylight that also feeds the heating system through solar panels.Save this picture!Upper Floor PlanFor the ventilation, large openings were proposed, slat panels and skylights that along with high ceilings provide an internal temperature always pleasant. With a simple and rationalist proposal, the project was designed as a whole, from the party that favors straight lines and pure forms, through the structure and coming to detail, where natural materials were valued.Save this picture!© Edgard CésarThe overlap of the two boxes is a unique architectural structure, but with use and different internal compositions. The assembly is interconnected by metal and wood ladder structure that functions as a central axis defining a movement flows by internal spaces.Save this picture!SectionWith the shift between the two boxes, the architecture gains a stylish and contemporary volumes, combining the aesthetics and completely open to the garden and closed to the access road, the lower box received the main access, garage and social areas integrated into the green and the gourmet areas through large panels with aluminum frames and clear glass; while the upper box, with virtually blind side gables, houses the intimate area. The rear facade opens completely to the sky and the garden and have their privacy preserved through large slatted sliding panels that can be opened in various ways. These panels exert light filter function at the same time maintaining the natural ventilation.Save this picture!© Edgard CésarThe materials choice retrieves the Brazilian house features in a simple palette of concrete, glass and wood. It focuses on the use of relatively few elements, the appreciation of space and natural light, creating a neutral base, which enables the house evolve and become together with its members.Project gallerySee allShow lessLIAG Architects Design Energy Saving Art Storage FacilityArchitecture NewsFinding “The Front” in Venice: These Maps Reframe the Biennale Along Socio-Economic …Articles Share “COPY” Photographs “COPY” Jones House / Patricia Almeida ArquiteturaSave this projectSaveJones House / Patricia Almeida Arquitetura ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/788362/jones-house-patricia-almeida-arquitetura Clipboard Brazil Area: 640 m² Year Completion year of this architecture project Photographs: Edgard César Manufacturers Brands with products used in this architecture project CopyHouses•Brasília, Brazil ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/788362/jones-house-patricia-almeida-arquitetura Clipboard Year: Projects CopyAbout this officePatricia Almeida ArquiteturaOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesBrasíliaBrasiliaBrazilPublished on May 31, 2016Cite: “Jones House / Patricia Almeida Arquitetura” 31 May 2016. ArchDaily. Accessed 11 Jun 2021.
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. Tagged with: calendar Recruitment / people Trading National Trust staff appear in fundraising calendar The National Trust staff are all fully clothed, unlike many other charity fundraising calendars. It features faces of all ages from across the Trust, including a gardener, chef, woodsman, cider maker, master mason and farmer. The calendar costs £7.95 and will be on sale from 4 December in forty of the National Trust’s shops and online.www.shop.nationaltrust.org.uk 44 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 Sue Herdman, Editor of The National Trust Magazine, who came up with the idea, said: “It would be a travesty if Seaton Delaval Hall, Sir John Vanbrugh’s great Baroque masterpiece, was sold privately and not saved for the nation. Everyone involved in the calendar project, including the designer, photographer and printer, has either offered their services for free – or at a substantial discount – for this terrific cause.” Howard Lake | 1 December 2008 | News The Trust has raised £1 million so far, but needs to raise a further £2 million in order to secure the purchase. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 The National Trust has published its ‘Men at Work’ calendar featuring “thirteen of the Trust’s finest” to raise funds to purchase Seaton Delaval Hall in Northumberland.
Facebook Twitter Home Indiana Agriculture News Farm Bureau Sees Good Things Ahead in Cuba Deal Farm Bureau Sees Good Things Ahead in Cuba Deal SHARE By Andy Eubank – Dec 21, 2014 FB on CubaThere has been plenty of debate since President Obama last week announced a plan for normalized relations with Cuba, but new agricultural trade markets are likely to develop as a result. Farm Bureau has been calling for removal of trade restrictions between the U.S. and Cuba and trade specialist Dave Salmonsen expects trade barriers to open up. Current regulations require trade deals to be paid with cash in advance through a third party bank, outside of either country.“So both of these things, the cash in advance, using a third country bank, adds cost to the transaction — and why U.S. ag has been against that for many years is we think that makes us less competitive in selling into the Cuban market.”While agriculture has had an exception to the embargo to Cuba since 2001, this will transform trade with Cuba into a normal market. Salmonsen says that should make exporters look at the Cuban market more and develop that market more over time.“And for Cuba I think then their consumers will have access to the largest food exporter in the world, even a broader basis than we have now that sits just a small ways from their coast. The transportation advantages alone should be huge in bulk commodities like food and grains such as corn, rice, soybeans and such.”Currently, the U.S. value of exports into Cuba is worth roughly $350 million, half of that being poultry. Salmonsen advises that market could expand along with corn, soybean and food product exports.“Certainly if the Cuban economy improves over time, if they’re better and have more disposable income, and if we have more normalized trade in food and agricultural products, then you could see a wide range of products improve.”The changes will take time as it will take a regulatory process by the Department of Treasury. The President gave no time table for when that may happen. Previous articleSunday OutlookNext articleDoggett Assumes New Role at NCGA Andy Eubank SHARE Facebook Twitter
iStock(NEW YORK) — Yesterday, there were 387 reports of severe weather including 4 reported tornadoes in Kentucky, Mississippi and Alabama.Record warmth hit the northeast on Saturday with Boston Logan Airport recording a temperature of 70 degrees.Up to two inches of snow fell in Denton, Texas, yesterday. It is very rare to see snow in this part of the country — especially right after spring-like severe weather has already impacted the region.This morning, a major storm has moved into the East Coast with weather alerts in place for Sunday morning across 19 states from Wisconsin to Maine.Gusty winds up to 50 mph are expected early Sunday from North Carolina to interior New England.The center of the storm is located over New York this morning with a cold front extending as far south as the Gulf of Mexico.The main concern this morning will shift to interior New England where ice and snow are still impacting the area along with heavy rain which may lead to some flooding issues.As the storm pushes offshore, cold air will rush in behind the system — we are expecting a 30 degree temperature drop from 7 a.m. Sunday to 7 a.m. Monday for some areas, including New York City.By Sunday afternoon, the storm moves off the coast with some lingering winter precipitation in extreme northern New England and some scattered storms and rain along the cold front which will linger in an area from the Carolinas to the Gulf Coast.As the storm continues to push offshore, it will leave behind up to 8 inches of snow in extreme northern New England and up to one inch of ice from northern New York and Maine.Alerts remain in place this morning for nine states across the Pacific Northwest.A series of storms are expected to hit the Pacific Northwest through the week bringing heavy mountain snow, coastal rain and extremely dangerous marine conditions with coastal waves up to 25 feet high.By Tuesday night, up to four feet of snow will fall in high elevations, with foothill and valley snow totals ranging from 8 to 24 inches depending on elevation.Coastal rain may reach up to 2 inches by Tuesday night and more snow and rain is expected to follow later in the week.Over the next 24 hours we should see a drastic temperature drop in parts of the country. While temperatures are in the mid 60’s this morning in New York City, they will drop to the mid 30’s by this time tomorrow.Copyright © 2020, ABC Audio. All rights reserved.
Job SummaryThe Joyce and Henry Schwob School of Music at Columbus StateUniversity seeks an Assistant Professor of Music Education (with anInstrumental Emphasis). This is a tenure track, full-time positionto begin August 2021.ResponsibilitiesResponsibilities include: teach and team-teach undergraduate musiceducation courses, including courses such as instrumental methods,technology in music education, vernacular and jazz methods,conducting, and graduate courses – other courses may be assigned asappropriate and according to the needs of the school; placing andsupervising student teachers; advising undergraduate students;working cooperatively with the College of Education and HealthProfessions; building professional relationships with local,regional, and national music educators; maintaining an activeresearch program; assisting in the recruitment of highly qualifiedmusic majors; and participating in department, university, andprofessional service.Required QualificationsKey qualifications include: three to five years of successfulschool teaching experience; demonstrated potential for scholarlycontribution to the field; and a record of success as aninstrumental music educator with knowledge of instrumental (bandand orchestral) pedagogy and literature.Preferred QualificationsPreference will be given to candidates with a completed doctoratein music education. Applicants who are ABD will be considered;Preference will be given to candidates with experience in teachingat the college level. Preference may be given to candidates withexperience in wind band conducting.Required Documents to AttachReview of applications will begin immediately and will continueuntil the position is filled. Applications for part-time andfull-time faculty positions must include transcripts of allacademic work, and official transcripts must be presented prior tocampus visit if selected for interview. Applicants must have theability to meet Southern Association of Colleges and SchoolsCommission on Colleges (SACSCOC) requirements, in particular aminimum of 18 graduate hours in the teaching discipline. ColumbusState University is an Affirmative Action/Equal OpportunityEmployer, Committed to Diversity in Hiring.Required Documents to Submit with Online Application: All applications and required documents must be submitted usingColumbus State University’s online employment site and a completepacket must be submitted for full consideration. If applicable, anyinternational transcripts must be evaluated by an approved foreigncredential evaluator prior to submission.Contact InformationIf you have any questions, please contact Dr. Scott Harris, SchwobSchool of Music, Columbus State University, 4225 University Avenue,Columbus, GA 31907; or email [email protected] of EmploymentA successful criminal background check will be required as acondition of employment. Statement of Interest and QualificationsCurriculum VitaeThree references with emails and current telephone numbers(Will not be contacted without prior notification)