September 4

FSA mortgage plans would have left 4m without loans

first_img whatsapp Ad Unmute by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryUndoTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastUndoNoteabley25 Funny Notes Written By StrangersNoteableyUndoMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailUndoSerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity TimesUndoBrake For ItThe Most Worthless Cars Ever MadeBrake For ItUndoBetterBe20 Stunning Female AthletesBetterBeUndomoneycougar.comThis Proves The Osmonds Weren’t So Innocentmoneycougar.comUndoMagellan TimesThis Is Why The Roy Rogers Museum Has Been Closed For GoodMagellan TimesUndo KCS-content Tuesday 5 October 2010 7:57 pm Share Tags: NULLcenter_img NEARLY four million homeowners would have been denied a mortgage between 2005 and 2009 under affordability proposals put forward by the Financial Services Authority (FSA), the Council of Mortgage Lenders (CML) said yesterday.It said that amounted to over half of all loans during the period not being granted to potential borrowers, despite the fact most were coping with repayments. The trade body also warned 730,000 first time buyers, equivalent to 95 per cent of all those trying to get onto the property ladder, would have been rejected by lenders as affordability criteria would have been too tight.The CML said that while its analysis was backward looking it suggested the impact of the FSA proposals on the future mortgage market would be significantly higher than the regulator’s own assessment. Moreover, some 80 per cent of impaired credit borrowers would have been denied a mortgage despite only 20 per cent of them experiencing difficulties in meeting repayments in 2009, the CML said.But in a statement the FSA said its proposals were designed to “address the major failures that have occurred in the mortgage market”, and that its evidence showed “16 per cent of mortgage borrowers were already financially overstretched.” More From Our Partners Killer drone ‘hunted down a human target’ without being told tonypost.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgA ProPublica investigation has caused outrage in the U.S. this whatsapp FSA mortgage plans would have left 4m without loans Show Comments ▼last_img read more

August 18

Wrestler murder case: More trouble for Olympic medallist Sushil Kumar, Delhi…

first_img Football by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeIPL 2020: Bad news for Sunrisers Hyderabad’s Jonny BairstowUndoIPL 2020 : Srikanth and fans slams MS Dhoni, says ‘wasted 15 Cr on Jadhav & Chawla’UndoFree Fire Redeem Codes for April 13th, Best ways to Redeem themUndoAccording to the IndiaToday report, the wrestler left for Haridwar and then Rishikesh after the incident. He stayed at an ashram in Haridwar. Later, he returned to Delhi and is now constantly changing locations in Haryana.ALSO READ| AFC Cup 2021 Group D matches in Maldives postponed indefinitelyThe victims have alleged the 2010 world champion was present at the spot when the incident took place. The victims in their statement added that Sushil and his associates abducted Dhankad from his house in Model Town to teach him a lesson for bad-mouthing him in front of other wrestlers, police said.According to police FIR, the brawl took place between Kumar, Prince, Ajay, Sonu, Dhankad, Amit and others in the parking area.Thereafter, police registered a case under relevant sections of the Indian Penal Code (IPC) and Arms Act at Model Town police station in this regard, they said in a statement.“The crime scene as well as all the five vehicles were inspected. During the inspection, one double barrel loaded gun with five live cartridges were found in one Scorpio and two wooden sticks were also recovered from the spot.“All the five vehicles and weapons of offence were seized. The crime scene was further inspected by forensic experts of FSL, Rohini,” Additional Deputy Commissioner of Police (northwest) Guriqbal Singh Sidhu said.During the investigation, information regarding the death of Dhankar and injury to Sonu was received from Trauma Centre, Civil Lines, following which sections 302, 365, 120B of the IPC were registered, he said. RELATED ARTICLESMORE FROM AUTHOR ICC WTC Final: 10 years of Virat Kohli’s Test career, 10 best moments of India’s greatest Test skipper Facebook Twitter Football Wrestler Murder Case: Delhi Police on Monday issued a look-out notice against two-time Olympic medallist Sushil Kumar, who is on a run after being named in the murder of a 23-year-old former junior national champion in North West Delhi’s Chhatrasal Stadium.Sagar Dhankad was beaten to death during a brawl at the Stadium’s parking area. An FIR of murder, criminal conspiracy and abduction was registered against Kumar. Latest Sports NewsSportSport NewsWrestling Previous articleIPL 2021: India and RCB captain Virat Kohli, DC’s Ishant Sharma receive first jab of COVID-19 vaccineNext articleIPL 2021: वरुण चक्रवर्ती और संदीप वॉरियर ने पूरा किया अनिवार्य आइसोलेशन, हुई घर वापसी Kunal DhyaniSports Tech enthusiast, he reports on Sports Tech industry and writes on sports products. By Kunal Dhyani – May 10, 2021 Cricket Football IND vs NZ in WTC Final: India batting coach says, ‘score above 250 on Day 3 would be good’, Kyle Jamieson feels it won’t… Cricket Cricket Football Euro 2020 LIVE broadcast in more than 200 countries, check how you can watch Live Streaming of EURO 2020 in your country Share on Facebook Tweet on Twitter Wrestler murder case: More trouble for Olympic medallist Sushil Kumar, Delhi Police issues lookout notice Football Cricket ENG W vs IND W Test: Sneh Rana, Shafali Verma shine as one-off Test ends in draw YourBump15 Actors That Hollywood Banned For LifeYourBump|SponsoredSponsoredUndoMoneyPailShe Was A Star, Now She Works In ScottsdaleNow she has a normal job.MoneyPail|SponsoredSponsoredUndoDaily FunnyFemale Athlete Fails You Can’t Look Away FromDaily Funny|SponsoredSponsoredUndoSenior Living | Search AdsNew Senior Apartments Coming to Scottsdale (Take A Look at The Prices)Senior Living | Search Ads|SponsoredSponsoredUndoPost FunThese Twins Were Named “Most Beautiful In The World,” Wait Until You See Them TodayPost Fun|SponsoredSponsoredUndoMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStory|SponsoredSponsoredUndo Euro 2020 Points table: Germany secure first win, Poland keep Euro hopes alive; Check Euro 2020 latest group standings TAGSSushil Kumarsushil kumar murder casesushil murder caseWrestler murder caseWrestling News SHARE Euro 2020, Switzerland vs Turkey LIVE: Switzerland to punish hapless Turkey; Follow Live Updates, Follow Live update Virat Kohli completes 10 years in Test Cricket: 10 things you should know about India skipper- check out Euro 2020- Spain vs Poland Highlights: Spain held to 1-1 draw as Lewandowski’s Poland keep Euro hopes alive Football Euro 2020 Top Scorers: Ronaldo joins Patrik Schick at top, Lukaku remains second; Check who is leading the Euro 2020 Golden Boot race Euro 2020, Italy vs Wales: 3 key battles to watch out for in ITA vs WALlast_img read more

July 5

Don’t waste the stock market crash! I’d buy cheap UK shares to get rich and retire early

first_img 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. See all posts by Peter Stephens Our 6 ‘Best Buys Now’ Shares Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Investors who are seeking to build a retirement nest egg via UK shares may find there is more opportunity to do so after the stock market crash.Certainly, there may yet be further challenges ahead for the FTSE 100 and FTSE 250 due to persistent political and economic risks. However, over the long run the growth potential for stocks could be significantly higher than for other mainstream assets.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 such, now could be the right time to buy a diverse range of UK shares and hold them for the long run. They could help to bring your retirement date a step closer.Return potential after a market crashA challenging aspect of investing in UK shares is being able to buy them when other investors are selling them. Often, such occasions happen when there is a market crash and other investors are seeking short-term safety in less risky assets such as bonds and cash.Through buying while other investors are mostly selling, it is possible to obtain high-quality businesses at low prices. In many cases, they are likely to recover as their financial performances improve and their valuations revert to historic averages. This could lead to significantly higher returns than other assets.For example, low interest rates look set to remain in play over the coming years as policymakers seek to stimulate the economy and avoid a further market crash. This may lead to disappointing returns for cash and bonds, which could even fail to match inflation in some cases.Similarly, assets such as gold may prove popular in the short run. However, the precious metal’s high price and the likelihood of improving investor sentiment towards risky assets may mean that its return prospects are somewhat disappointing on a long-term view.Infrequent opportunitiesThe track record of indexes such as the FTSE 100 and FTSE 250 show that the recent market crash is not especially common. Therefore, taking advantage of it could make a significant positive impact on your return prospects.It may enable you to build a portfolio of the best UK shares you can find while they offer wide margins of safety that are only temporary in nature. And, while there is always scope for their prices to move even lower, the valuations of many stocks appear to factor in a period of weak operating performance caused by economic weakness.Therefore, investors may wish to start buying high-quality UK shares before their prices rise after the market crash. The stock market has always recovered from its various downturns to post new record highs. Therefore, a limited window of opportunity may exist through which to capitalise on attractive prices. Over time, their recovery potential is likely to be realised. This may mean that they outperform other mainstream assets, and have a significantly positive impact on your retirement plans. Simply click below to discover how you can take advantage of this. “This Stock Could Be Like Buying Amazon in 1997” Image source: Getty Images 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. 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. Enter Your Email Address Peter Stephens | Sunday, 16th August, 2020 Don’t waste the stock market crash! I’d buy cheap UK shares to get rich and retire earlylast_img read more

June 23

Saints and Sinners: the weekend’s talking points

first_img Pack power: Dave Ewers makes one of his 20 tackles for Exeter Chiefs. (Photo Getty Images) Every point counts as the battle for playoff places in the Aviva Premiership and Guinness Pro12 hots up. Which players stepped up to the plate this weekend and who fell short? Bright move by SummersHats off to Jeremy Summers and his RFU appeals panel who had the courage to overturn the ridiculous three-week ban handed to Nathan Hughes for knocking-out George North.No rugby fan could understand how the original RFU disciplinary committee had seen fit to ban the Wasps back row for what was clearly an accidental and unavoidable collision.It is very unusual for decisions to be reversed like this, but Friday’s appeal panel said they had new evidence at their disposal and concluded “no act of foul play took place”.The new evidence reportedly included testimony from a biometrics expert who proved Hughes could not have stopped before he clattered into North on the floor. The original panel, led by RFU head of independent rugby judiciary Sir James Dingemans, may not have had his or her expertise at their disposal, but they could still have used common sense and agreed with the thousands of rugby watchers and players who had no doubt Hughes should not have been sent off or banned.Sadly for Hughes and Wasps, he had already missed their European Champions Cup quarter-final due to the ban. Haley’s horrorSale Sharks boss Steve Diamond was unhappy with the refereeing of Greg MacDonald during his side’s 25-23 loss to London Irish at the Madejski Stadium but he could not have been thrilled with his own full-back Mike Haley either, as he handed the hosts a gift-wrapped seven-pointer just before half time.The Exiles missed a penalty and Danny Cipriani decided to run the ball out of defence rather than kicking for touch to go in at half-time 10-6 up. The fly-half passed to Haley, who managed to drop the ball right at the feet of his opposite number Andrew Fenby and he coasted in for a try which Chris Noakes converted for a 13-10 lead at the interval. What a DudeMonbeg Dude is the final Saint this week. For those not in the know, he is a racehorse owned by three former Gloucester players, Mike Tindall, James Simpson-Daniel and Nicky Robinson, plus trainer Michael Scudamore, and he finished third in the Grand National on Saturday.The Dude, ridden by Liam Tredwell, certainly netted his owners some big money, but a few hundred Gloucester fans would also have had an each-way flutter on the 40-1 shot and so have a bit of beer money in their pockets ready for next Saturday’s big European Challenge Cup game day. Priestland comes up trumpsRhys Priestland hit the target with a late, late penalty from the left touchline to snatch a 28-26 victory for the Scarlets at Zebre in the Guinness Pro12.For the Scarlets, who are chasing European Champions Cup qualification, to have lost to the league’s bottom club would have been a major blow, but Priestland put earlier potentially crucial misses behind him to slot the kick at the death.While the Scarlets are out of the Pro12 title race, very much in the hunt are the Ospreys who are looking secure in fourth spot after winning 33-13 at Benetton Treviso. Rhys Webb, always a threat with the ball in hand, played a major role in their victory and scored the bonus-point try at the death. TAGS: DragonsExeter Chiefs Sharp work: Did Charlie Sharples deserve to be sin-binned against Harlequins? (Photo: Action Images)Is it a yellow?Should a yellow card always be the punishment for a deliberate knock-on? Both Gloucester’s Charlie Sharples and Northampton’s Stephen Myler were sin-binned for that offence this weekend when they were instinctively reaching out to try to intercept a pass, but only made the slightest of contact and failed to catch the ball.When players are sin-binned for minor violence like leading with an elbow, punching and even some tip tackles, is the same sanction really deserved for even the most marginal deliberate knock-on? I think not. It should be a penalty every time, but only a yellow card when it’s blatant. Neither Myler nor Sharples should have been sin-binned.While we are on the subject, no less than 17 yellow cards were shown in this weekend’s six Premiership matches and ten more were produced in the Pro12. Are players transgressing more as the stakes grow higher at the sharp end of the season, or are referees becoming a bit too quick to wave their cards? Brace for BenjaminNewport Gwent Dragons achieved a league double over reigning Pro12 champions Leinster, coming back from 22-8 down in the second half to win 25-22, thanks largely to a try double from replacement back row James Benjamin.The 21-year-old pounced on a loose ball in the in-goal area after Eoin Reddan’s kick had been charged down, and a couple of minutes later he popped up on the left wing to take a scoring pass from Hallam Amos.center_img Coach Kingsley Jones was ecstatic about the way his young side battled back to take the spoils, telling BBC Wales: “A bonus point against the champions is beyond our wildest dreams.”At the double: James Benjamin scores the second of his two tries for the Dragons. (Photo: Inpho) LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Flying FalconNewcastle Falcons’ Samoan wing Sinoti Sinoti scored arguably the try of the weekend. Receiving the ball closer to the Bath 10m line than the 22, he thundered off on an arcing run to the left, battered his way past and through three tacklers and used his pace and power to score.The try gave his team a 13-12 lead and hopes of an upset against the top-four side, but Bath accelerated away in the second half to win 29-19. The SaintsChiefs in chargeA strong – in every sense – performance from the Exeter Chiefs pack earned the Devon side a 21-10 win over reigning Aviva Premiership champions and current leaders Northampton Saints and moved them up into the top four with just three rounds of matches to go before the playoffs.Leading the way was 22-year-old tighthead Tomas Francis who, in his first Premiership season, had the better of England and Lions prop Alex Corbisiero at scrum time, helping to force a succession of penalties. Blindside Dave Ewers also had a magnificent game and was named Man of the Match thanks to his 20 tackles and 12 carries. Horne calls the tune: Peter Horne scored a hat-trick for Glasgow. (Photo: Inpho)Horne on songGlasgow Warriors centre Peter Horne grabbed the Guinness Pro12 headlines with a hat-trick in 12 minutes that helped his table-topping side to a 36-17 victory over Cardiff Blues.With Dougie Hall already having crossed for the first try, Horne capitalised on great breaks from Tommy Seymour for his first two tries and then darted over from close range for the third, which gave the Warriors a valuable bonus point in the extremely tight battle for the playoff places.Horne was in the right place at the right time on every occasion and was named Man of the Match. Naughty Niki: Leicester’s Goneva was binned. (Photo: PA).The SinnersCostly cardsLeicester lost 22-6 at Saracens and slipped out of the top four and they will be counting the cost of their own indiscipline. With the Tigers leading 6-0, Tom Youngs was sin-binned for a silly piece of off-the-ball contact with Chris Ashton as he tried to ensure the wing would not impede Matt Smith’s clearance kick out of defence. While Youngs was in the bin Saracens scored two tries to take a 14-6 lead and the home side never looked back.Niki Goneva was sin-binned late in the game when the score was already 22-6, this time for leading with his forearm as he crashed down on top of Kelly Brown after the Saracens flanker had driven through a ruck. It had no impact on the result but Leicester will need to cut out such silly indiscipline if they want to climb back into the playoff places. Certainly, in addition to the Sharples and Myler cards, the yellows shown to Harlequins back row Jack Clifford and Ospreys scrum-half Rhys Webb seemed very soft and there were a few others I didn’t see. The sin bin has done a lot of good in the game, but I don’t want to see it being over-used when a penalty would be sufficient punishment.last_img read more

June 19

Detour and Closed Lanes on Kelly Park Road

first_img UF/IFAS in Apopka will temporarily house District staff; saves almost $400,000 Share on Facebook Tweet on Twitter TAGSWekiva Parkway Previous articleFlorida Highway Patrol Saves Stranded EagleNext article10 Ways to Stay Committed This Holiday Season Dale Fenwick RELATED ARTICLESMORE FROM AUTHOR Beginning Tuesday night, October 25, 2016 crews will alternate traffic through one lane on Kelly Park Road between Round Lake Road and Plymouth Sorrento Road as part of building the Wekiva Parkway (State Road 429). The nightly lane closures are scheduled between 8 p.m. and 6 a.m. through Monday, October 31, 2016. This will allow crews to pave and stripe Kelly Park Road and Plymouth Sorrento Road.A daytime detour also will be in place at Kelly Park Road on Wednesday, October 26, 2016 from 8:30 a.m. to 4 p.m. This will allow crews to pour concrete for the northbound bridge deck. Traffic will be detoured via Round Lake Road, Ponkan Road and Plymouth Sorrento Road.Flaggers will direct traffic and electronic message boards are posted to alert drivers. Bad weather or other unforeseen circumstances could delay or prolong work. Motorists are urged to use caution in the construction area for their safety and that of the work crews.This work is part of the Central Florida Expressway Authority’s $46.6 million project to build the Wekiva Parkway from Ponkan Road to a planned interchange at Kelly Park Road. Work began August 3, 2015. This project is among five parkway sections being built by CFX, totaling 10 miles and more than $270 million in construction costs. Once completed, the 25-mile parkway will complete Central Florida’s beltway, while helping to protect the natural resources surrounding the Wekiva River. You have entered an incorrect email address! Please enter your email address here Gov. DeSantis says new moment-of-silence law in public schools protects religious freedom LEAVE A REPLY Cancel reply Florida gas prices jump 12 cents; most expensive since 2014 Please enter your name here Please enter your comment! Save my name, email, and website in this browser for the next time I comment.last_img read more

June 17

Block 16 / René van Zuuk Architekten

first_img “COPY” ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Apartments ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Block 16 / René van Zuuk Architekten Block 16 / René van Zuuk ArchitektenSave this projectSaveBlock 16 / René van Zuuk Architekten Text description provided by the architects. Block 16 is part of the master plan designed by OMA for a new prestigious city centre in Almere. The autonomous expressive block reacts on two conditions: the billowing end marks as a kind of gatekeeper the harbour entrance. At the other end the movement is smoothened and the building fits in with the right-angled grid of the adjacent glass high-rise housing blocks. The block is sited on a basement car park (design OMA) serving as a pedestal. The elevated deck level is half occupied by the common entrance and the storerooms. The other part is a gym which continues on the parking level below where it ends in the fitness-café, an autonomous pavilion.Save this picture!The design of Block 16 is largely based on an analysis of tunnel formwork constructions. Implementation of this mode of construction is financially attractive in developing major housing projects. The basic principle of tunnel formwork is the simultaneous casting of floors and party walls. Similar to extrusion techniques, this requires a constant section. It is common practice that the tunnels are also of a constant length, resulting in a regular concrete skeleton. Variation in the length of adjacent tunnels breaks the monotonous structure. The result is a wavy façade surface providing the block with a dynamic quality. This unusual application of tunnel formwork implies a relatively small rise of the building costs, but yields a much more expressive image. Save this picture!Block 16 is equipped with two central corridors, providing the occupants’ access to the apartments. The living rooms of all the 49 apartments are south-facing and orientated to the waterfront. On the northern side of the block the private stairs are located interconnecting higher or lower floors. The main communal stairwell fills a seven-storey void located behind the biggest bulge. The deviant function is furthermore revealed in the exterior by the strip of half sized cladding panels. Save this picture!The hollows and bulges in the façade all have a functional basis. The dimple on the north side marks the entrance and the protruding south façade arises from adding patios to some apartments. Save this picture!Initially a wooden cladding was planned, but in the tenders submission it turned out to be too expensive. A new solution was found by manufacturing façade elements each covering an entire tunnel section. The intention was to apply the elements in a weatherboard manner, implying an overlap on all sides. This is only possible if the panels in the vertical direction shift sideways, resulting in an unwanted diagonal grid in the elevation. Because of the adapted application of the weatherboard principle, the sides of the panels do not fit. The remaining oversized ‘chink’ is sealed with a different material, separating the elements from each other. It provides the building with two faces; smooth and wavy in one direction, rough and staggered in the other. Save this picture!The silver-coloured anodised aluminium cladding of the façade combined with the continuously changing incidence of light creates a varying identity of Block 16 and suggests a moving scaly creature.Save this picture!Project gallerySee allShow lessVolume #17: Content ManagementArticlesAugmented reality on your desktop, thanks to SketchupArticlesProject locationAddress:Koetsierbaan, Almere, The NetherlandsLocation to be used only as a reference. It could indicate city/country but not exact address. Share Save this picture!+ 38 Share “COPY” CopyApartments•Almere, The Netherlandscenter_img Architects: René van Zuuk Architekten Area Area of this architecture project Area:  1650 m² Year Completion year of this architecture project ArchDaily 2005 The Netherlands Projects Year:  CopyAbout this officeRené van Zuuk ArchitektenOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsDabasAlmereHousingRetail3D ModelingThe NetherlandsPublished on December 24, 2008Cite: “Block 16 / René van Zuuk Architekten” 24 Dec 2008. ArchDaily. Accessed 12 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogPartitionsSkyfoldVertically Folding Operable Walls – Classic™ SeriesVinyl Walls3MArchitectural Finishes DI-NOC in Ned Ludd Public HouseShower ColumnshansgroheOverhead ShowersWindowsKalwall®Kalwall® in Featherstone High SchoolLightsLouis PoulsenLamps – LP Slim BoxSealantsEffisusBi-adhesive Tape – 2BondDSConcrete FloorsSikaIndustrial Floor CoatingsPlantersJakobGreen Walls – GreenKitUrban ApplicationsPunto DesignPunto Benches and Litter Bins in Public Space ImprovementsPaintKEIMMineral Paint for Concrete – KEIM Concretal®-WArmchairs / Couches / Futons / PoufsFreifrauArmchair High – MarlaAcousticBASWA acousticThermal-Acoustic System – BASWA CoreMore products »Read commentsSave想阅读文章的中文版本吗?Block 16 / René van Zuuk Architekten是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

June 17

True North / Alain Carle Architecte

first_img Houses “COPY” Products used in this ProjectMetal PanelsLongboard®Tongue & Groove – 4″ V GrooveConception Team:Christian Aubin, Jean-François Marceau, Michel LefebvreInterior Design:Francois BérubéLandscape Design:Carlos IpserCity:CornwallCountry:CanadaMore SpecsLess SpecsSave this picture!© Adrien WilliamsText description provided by the architects. Artificial landscapes of the Saint Lawrence RiverThe project’s conceptual narrative for this private home is based on a critical analysis of its surrounding. The narrative calls for a broader approach to architecture as an unstable figure between landscape and art. The area of the city of Cornwall (Ontario) has been dramatically modified in the mid-XXth Century with the construction of the great St Lawrence Seaway, which would open up the river to commercial navigation and allow new power dams to be implemented.Save this picture!© Adrien WilliamsThis operation caused the relocation of the residents of six villages and three hamlets nearby while completely reshaping the shoreline of the St Lawrence river. Moulinette Island, where the project is located, is part of a chain of small “islands” formed from the flooding of the dam. More precisely, the lot where sits the project was shaped from a residual partitioning of a generic plan of development allowing for a large waterfront that emphasizes the horizontal lines dominating the landscape. These men- shaped coastlines, leveled by the flooding, consequently induce very strong wind conditions for this unobstructed plan of artificial landscape.Save this picture!© Adrien WilliamsArchitecture as an artificial landscape.The proposal adopts a bold and critical reasoning of all these paradoxes, where the site although stunning is, in reality, all but authentic, raising the question: What would be a respectable approach to context, when all nature components around are actually fabricated? As willingly addressing this state of being, we approach the site in all its artificiality in order to re-inscribe the human experience in the most straightforward way possible. The program of occupation was set up not in relation to any suburban prerogatives but rather from a logic of interactions for the anticipated functions of the house. This suggests a composition set to follow the axis of the cardinal points, detached from any generic street alignments.Save this picture!© Adrien WilliamsSave this picture!Floor PlanSave this picture!© Adrien WilliamsTherefore, the project proposes a direct relationship to the sky, horizon, and wind rather than its immediate suburban surrounding. The plan is conceptually developed as a maze of spaces interconnected by voids that act as small-scale spaces (or subspaces) procuring micro-spaces that can be recuperated by the inhabitant: Small inner courtyards blocking the winds, semi-open spaces protected from the rain and spaces lit from the sky marking specific areas. These features, along with generous portions of glass opening up on the horizon, blur the boundaries between interior and exterior to provide a complex relationship with the landscape, amplified by the many artificial reflections of the glass or metal surfaces. In a way, it sets the house in an unstable condition of permanent reshape. It becomes a device to perceive the landscape rather than a fixed, self-referenced architecture.Save this picture!© Adrien WilliamsEphemeral and PerennityAs an analogy to the transformation of the landscape by humans, the project also introduces temporality: Permanent components of the house alternate with more ephemeral ones. The outskirt of the house is delineated by permanent boundaries in concrete (linked to the legal occupation of the site) while the house itself could have more flexible or ephemeral construct in metal. As if the house would anticipate its own transformation within an invariable boundary. These opposites are inherent characteristics of any built form, set between immutable parameters and ever changing ones. The house assumes this unstable position and anticipates, in its structural details, the imminent changes that occupation will provoke. Save this picture!© Adrien WilliamsProject gallerySee allShow lessArchitecture and Homelessness: What Approaches Have We Seen?ArticlesBrick Walls: Tips on Treatment and MaintenanceArticles Share 2017 True North / Alain Carle Architecte ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Photographs Products translation missing: Save this picture!© Adrien Williams+ 14Curated by Fernanda Castro Share Area:  513 m² Year Completion year of this architecture project True North / Alain Carle ArchitecteSave this projectSaveTrue North / Alain Carle Architecte Projects Manufacturers: Longboard, Sistemalux, Alcora, Stûv Americacenter_img Architects: Alain Carle Architecte Area Area of this architecture project Photographs:  Adrien Williams Manufacturers Brands with products used in this architecture project Year:  Bourgon Construction Contractor: Canada CopyAbout this officeAlain Carle ArchitecteOfficeFollowProductsWoodSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesCornwallCanadaPublished on August 15, 2018Cite: “True North / Alain Carle Architecte” 15 Aug 2018. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogPartitionsSkyfoldIntegrating Operable Walls in a SpaceGlass3MSun Control Window Film in MarkthalSinkshansgroheBasin FaucetsPaintSTAC BONDComposite Panel Finishes – MetallicsConcreteKrytonConcrete Hardening – Hard-CemSkylightsLAMILUXGlass Skylight FE PassivhausLightsLouis PoulsenOutdoor Lighting – Flindt GardenWindowsVEKAWindows – SOFTLINE 70 ADUrban ShadingPunto DesignPavilion – CUBEDoorsLinvisibileLinvisibile FILO 10 Hinged Door | AlbaWoodHESS TIMBERTimber – GLT BlockGreen FacadesSempergreenLiving Wall – SemperGreenwallMore products »Save想阅读文章的中文版本吗?北境之家 / Alain Carle Architecte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 ArchDaily CopyHouses•Cornwall, Canada “COPY” ShareFacebookTwitterPinterestWhatsappMailOr Clipboardlast_img read more

June 17

Sibipirunas House / Studio Otto Felix

first_imgCopyAbout this officeStudio Otto FelixOfficeFollowProductsSteelStone#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesInterior DesignResidential InteriorsHouse InteriorsCASA CORResidential ArchitectureCidade JardimBrazilPublished on June 20, 2019Cite: “Sibipirunas House / Studio Otto Felix” [Casa das Sibipirunas / Studio Otto Felix] 20 Jun 2019. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogFaucets / SinkshansgroheKitchen SinksGlass3MSun Control Window Film in MarkthalPartitionsSkyfoldIntegrating Operable Walls in a SpaceRetractable StructuresShadeFXRetractable Canopies in Beverly HillsPanels / Prefabricated AssembliesIsland Exterior FabricatorsSpecialty Facade SystemsWoodSculptformTimber Tongue and Groove CladdingSkylightsVELUX CommercialLonglight 5-30° – Modular SkylightsBars / Wire / MeshJakobWebnet – Sports NetSuspension SystemsMetawellAluminum Panels for Ceiling SailsMineral / Organic PaintsKEIMTiO2-free Mineral Paint – Soldalit®-ArteHanging LampsLuminisPendant Lights – HollowcoreHandicap BathroomAamsco Lighting, Inc.Mirror-Lux LED Illuminated MirrorMore 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 Photographs:  Denilson Machado – MCA Estúdio Manufacturers Brands with products used in this architecture project Photographs Sibipirunas House / Studio Otto Felix Architects: Studio Otto Felix Area Area of this architecture project Brazil 2019 ArchDaily “COPY” CopyHouses, Houses Interiors•Cidade Jardim, Brazil Housescenter_img Year:  Save this picture!© Denilson Machado – MCA Estúdio+ 35Curated by Matheus Pereira Share Sibipirunas House / Studio Otto FelixSave this projectSaveSibipirunas House / Studio Otto Felix Area:  250 m² Year Completion year of this architecture project Projects ShareFacebookTwitterPinterestWhatsappMailOr Clipboard ShareFacebookTwitterPinterestWhatsappMailOr Clipboard “COPY” Manufacturers: Arthus Mármore e Granitos, Blumenfee Floricultura, Carolina Delleva, Di Mármore, Dpot Objetos, Galeria Beto Carrazoni, Galeria Vermelho, Heloísa Crocco, Juliana Maia, Lock Engenharia, Loja Teo, Terra ConttemporâneaSave this picture!© Denilson Machado – MCA EstúdioRecommended ProductsDoorsECLISSESliding Pocket Door – ECLISSE LuceWoodLunawoodThermowood FacadesWindowsAir-LuxSliding Window – CurvedDoorsSky-FrameInsulated Sliding Doors – Sky-Frame ArcText description provided by the architects. Otto Felix, an architect known for the singular and expressive lines that emerge from his sketches, is present at CASACOR São Paulo 2019, which this year takes as thetheme ‘Planeta Casa’ in Jockey Club. In a unique way, the professional translated the concept of the event through an address of 250m² that breathes straight lines and mixes, harmonically, a rustic side with the epitome of the contemporaneity.Save this picture!© Denilson Machado – MCA EstúdioCasa das Sibipirunas divided into a living room with fireplace, kitchen and a suite with closet, instigates a more reflective and disconnected dwelling, where the proposal for a simpler life was established as a reference. Proposing a contemporany architectural project that, in technical terms, can be considered light and ease to perform, the residence was based on three main elements: glass, plaster and Roman travertine. The strong presence of these materials reinvents the concept of country house and brings a much more modern, minimalist and famous re-reading. Created by means of structural pieces, or commonly called metal beams, with glass closure in the remaining spaces, the house had the work executed by Lock Engenharia, and integrates with two trees that already existed in the place, to which poetically and organic, baptized the environment.Save this picture!© Denilson Machado – MCA EstúdioSave this picture!PlanSave this picture!© Denilson Machado – MCA EstúdioAt the entrance, the visitor is guided by a wooden walkway and a green garden, providing a tropical reception, rich in bossa and contemplation. The landscaping, signed by Daniel Nunes, is still perpetuated by the interiors thanks to the transparent architecture designed by Otto. The ceiling, in slated plaster, allows the entrance of sunlight and creates an interesting play of light and shadow. At night, the lighting that permeates the pillars of the building creates a scenic atmosphere and highlights the structure of the environment. The living room has a fireplace, which welcomes and displays by fire, a vital element that contrasts past and present. By Kamy’s carpet delimits the place, breaking the paradigm in the presentation and division of the spaces, which talk to each other with carefully selected furniture and arranged with similar proportions of comfort and sophistication.Save this picture!© Denilson Machado – MCA EstúdioThe furniture is a separate chapter: elegant and sober, with darker and warmer tones, and that interact with the rest of the composition of the project. The dining table with brass feet and rustic imperial coffee granite top, for example, is an original professional drawing. To tie the concept in a unique way, the architect used elements and works that already existed, or that were created especially for the show, of local artists. Ceramic vases, by Cacá Deleva, tapestries made by Juliana Maia, and rendered by Tida Ricco, for example, complete the narrative. In addition, paintings with plaster cast, still from Cacá, created an artistic intervention that brings us back to childhood and simpler times, through elements such as figurines, pasta rolls and flowers. Each one with its singularities, transgress the fragility of the times.Save this picture!© Denilson Machado – MCA EstúdioInspired by the solutions of the 40s and 50s, Otto brought as a reference the red ceramic floors found in old buildings in the city of São Paulo. What was fashion at the time and sold more than the pieces of tile itself, was eventually forgotten and replaced. The architect recreated the paging with shards of Roman Travertine, from the reuse of leftovers from a marble. Besides presenting one of the sustainable facets of the project, it still constitutes the bench of minimalist cuisine, making it a kind of ruin that is confused with an artistic intervention. The locksmith’s doors, store the appliances and cabinets in an elegant and subtle way.Save this picture!© Denilson Machado – MCA EstúdioThe master suite also features designer pierces such as the headboard and base of the bed, as well as the large suede-clad closet, divided between niches and shelves. The bathroom follows the concept of ruin and is born organically from the floor, framing the box and the Deca tub. A large mirror appearing in the background creates the sensation of seeing a rising or setting sun, depending on the moment it is seen, and completes the décor of fine touch.Save this picture!© Denilson Machado – MCA EstúdioSave this picture!Section 1Save this picture!© Denilson Machado – MCA EstúdioProject gallerySee allShow lessMEC House / Francisco Dulanto CarbajalSelected ProjectsFGP Atelier + Taller ADG Design “Devil Tail” Baseball Stadium in Mexico CityArchitecture News Sharelast_img read more

June 16

Institute returns £4m ‘underspend’ to Government

first_img The Institute of Fundraising has returned £4m to the Office of the Third Sector after it failed to spend almost half the £8.3m set aside for promoting payroll giving to small and medium sized enterprises (SMEs).Tina Steele, payroll giving project manager at the Institute, said there had been a deliberate ‘over budgeting’ on the scheme. “What the Government – and the Institute – wanted to do was make sure it didn’t run out of funding so to have something in reserve was a prudent way of looking at it”, she said.It could have been run on a first come, first served basis, but it was more realistic to make sure there was some money over and above what was budgeted for. She said the situation that arose could be viewed as too careful budgeting.Asked what could have been done differently to use the funds Steele said:“With hindsight Government and Institute of Fundraising would have liked another year to make the most of what had been achieved. We would have seen more of an opportunity to encourage SME companies to get involved, but some of them didn’t get engaged with the scheme until the last three months.”The scheme had two parts: one to engage SMEs in payroll giving grants programmes (which exceeded its target by signing up 3,380 employers) with a grant of between £300 and £500 to cover start-up costs; and the other to match any gift of up to £10 by an employee for six months. It was the second part of the programme that fell so short. The budget was originally for between 32,000 and 70,000 sign-ups, but only 18,000 employees took advantage of the match-funding element.Steele said that if the scheme had run for a further year there was no doubt the whole budget would have been used up. She also pointed out that it is sometimes difficult to get employers to promote a payroll giving scheme because it is voluntary and not mandatory.She also said that the majority of SMEs had elected to run their own schemes rather than using a professional fundraising organisation (PFO) to run it for them. We would always advocate that any employer with more than 100 employees uses a PFO. They can do everything much more quickly and efficiently, she said.Peter O’Hara, managing director of professional fundraising organisation Workplace Giving UK, said he was very upset that the money was not going to be used for payroll giving, although he was glad it would be used for other charitable purposes. Some employers – and some charities – still see it as over complicated. Charities don’t view it as an easy way to fundraise, he said, but it is the most tax-effective way to do so, particularly for higher rate taxpayers.Bill Lane of payroll giving agency South West Charitable Giving said that he feels payroll giving is “steadily” becoming better understood by employers. “It takes a long time to get anything like this established,” he said. “Payroll giving will steadly grow and I think in 20 years it will be the norm for anyone in work.” AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Tagged with: corporate Institute of Fundraising Howard Lake | 21 May 2007 | News  34 total views,  3 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Institute returns £4m ‘underspend’ to Government 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 Researching massive growth in giving.last_img read more

June 16

Almost half of population never volunteers

first_img AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Almost half of population never volunteers 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 Researching massive growth in giving. Almost half (42%) of the population have never volunteered and nearly a quarter have ever even thought about it, according to a survey by the British Heart Foundation.The BHF conducted the survey as part of a campaign to encourage more people across the country to volunteer.Results also revealed that nearly 60 per cent of people questioned felt they did not have time to volunteer, while 15 per cent thought they would not have control over the hours they worked. Advertisement The BHF is looking for more volunteers at its 530 shops across the UK, which annually generate more than £9m for the charity. center_img Howard Lake | 31 August 2007 | News  25 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Tagged with: Volunteeringlast_img read more