FIFA probes racist abuse at Russia-France friendly

first_imgFIFA said on Wednesday it was probing racist abuse directed at French players by Russian fans during a pre-World Cup friendly between the countries.A Reuters photographer at pitch level for France’s 3-1 win on Tuesday night in St Petersburg heard monkey chants directed at French players on several occasions, including when N’Golo Kante came to the sideline for a throw-in.“FIFA is collecting the different match reports and potential evidence in regards to the discriminatory incident reported in the media, including the one from the Fare observer who was present at the game,” FIFA said in a statement, referring to a network that combats discrimination in football in Europe.The incident sparked calls to persevere in the fight against racism in soccer with less than three months before the World Cup.French Sports Minister Laura Flessel-Colovic wrote on Twitter: “Racism does not have its place on soccer fields. We must act together at the European and international level to stop this intolerable behaviour.”Russia has pledged to crack down on racism as the country faces increased scrutiny ahead of this year’s World Cup, which it will host from June 14 to July 15 in 11 cities including Moscow, St Petersburg and Sochi.Racist and discriminatory behaviour is not uncommon in the Russian Premier League, including among fans of Zenit St Petersburg.UEFA opened disciplinary proceedings against the club last week for racist chants during a recent Europa League match against RB Leipzig.Zenit last year were ordered by UEFA to partially close their stadium after fans displayed a banner praising former Bosnian Serb military leader Ratko Mladic, a convicted war criminal, during a 2-1 home win over Macedonian side Vardar Skopje also in the Europa League.last_img read more

Young guns aim high at ATP finals

first_imgA bright future for men’s tennis can be glimpsed in the line-up for this year’s ATP Finals, according to players young and old.The seemingly immovable trio of Rafael Nadal, Novak Djokovic and Roger Federer remain atop the rankings with a combined age of 103.But behind them the young guns are making big moves, and four of the eight players who will do battle in London are aged 23 or under, including the charismatic trio of Daniil Medvedev, Stefanos Tsitsipas and Alexander Zverev.All three are in the same group for the tournament at the O2 Arena, and it was impossible not to consider this a battle of the generations as they sat next to the fourth member of their quartet, 33-year-old Nadal, at Friday’s press conference.Medvedev, Zverev and Tsitsipas are well aware how closely linked their futures are likely to be, and there is both tension and respect between them.Tsitsipas last month described Medvedev’s game as “boring” but was keen to strike a more conciliatory note here, saying: “I believe the competition between us is something really important for the sport.“We’re all young, we’re just getting started. It’s very fiery. We all want to beat one another when we face one another but for sure we all appreciate each one’s game.“We are the future. We are the ones that are going to fill the stadiums and we are the ones that are going to create the future for our sport.”Zverev holds the biggest title of the trio, having won at the O2 Arena 12 months ago, while Medvedev became the first to reach a grand slam final at the US Open, pushing Nadal to five sets.Zverev sees parallels with the rivalry between Nadal, Federer and Djokovic that has transcended the sport.The German said: “There’s a very strong group of guys. I think we’ll see (young) guys all of a sudden start to win big tournaments, which we haven’t seen for the past 10 or 15 years.“I think the next two or three years are very exciting. The other guys are still here playing the best tennis in the world, they’re still better than us, but I think the younger guys are improving quite quickly.”Nadal laughed at the suggestion his group rivals might make him feel old, saying: “I am 33-and-a-half, that’s old to play tennis, I think young like a human person.“I’m happy to be where I am today. Honestly I didn’t expect to be where I am when I have been in the position of all of them. As Sascha (Zverev) said, it’s an exciting moment.“We can see here there’s a lot of very young players, they’re improving. It’s the normal cycle of life. It’s healthy for the sport, too. They are the future but they are the present. They have good competition between each other for the next years.“They’re going to fight for the same things. It’s going to be good rivalries for our sport and I will be happy hopefully to keep competing with them for a while, but then I will be happy to watch them on TV.”Djokovic opens the tournament on Sunday afternoon against Italian Matteo Berrettini, another 23-year-old debutant, before Federer faces Dominic Thiem.Monday afternoon sees Medvedev take on Tsitsipas, with Nadal having been given the maximum time to recover from an abdominal problem before he faces Zverev in the evening.last_img read more

Seeing REDD: a database of forest carbon emissions reduction projects

first_imgArticle published by Sue Palminteri Popular in the CommunitySponsoredSponsoredOrangutan found tortured and decapitated prompts Indonesia probeEMGIES17 Jan, 2018We will never know the full extent of what this poor Orangutan went through before he died, the same must be done to this evil perpetrator(s) they don’t deserve the air that they breathe this has truly upset me and I wonder for the future for these wonderful creatures. So called ‘Mankind’ has a lot to answer for we are the only ones ruining this world I prefer animals to humans any day of the week.What makes community ecotourism succeed? In Madagascar, location, location, locationScissors1dOther countries should also learn and try to incorporateWhy you should care about the current wave of mass extinctions (commentary)Processor1 DecAfter all, there is no infinite anything in the whole galaxy!Infinite stupidity, right here on earth.The wildlife trade threatens people and animals alike (commentary)Anchor3dUnfortunately I feel The Chinese have no compassion for any living animal. They are a cruel country that as we knowneatbeverything that moves and do not humanily kill these poor animals and insects. They have no health and safety on their markets and they then contract these diseases. Maybe its karma maybe they should look at the way they live and stop using animals for all there so called remedies. DisgustingConservationists welcome China’s wildlife trade banThobolo27 JanChina has consistently been the worlds worst, “ Face of Evil “ in regards our planets flora and fauna survival. In some ways, this is nature trying to fight back. This ban is great, but the rest of the world just cannot allow it to be temporary, because history has demonstrated that once this coronavirus passes, they will in all likelihood, simply revert to been the planets worst Ecco Terrorists. Let’s simply not allow this to happen! How and why they have been able to degrade this planets iconic species, rape the planets rivers, oceans and forests, with apparent impunity, is just mind boggling! Please no more.Probing rural poachers in Africa: Why do they poach?Carrot3dOne day I feel like animals will be more scarce, and I agree with one of my friends, they said that poaching will take over the world, but I also hope notUpset about Amazon fires last year? Focus on deforestation this year (commentary)Bullhorn4dLies and more leisSponsoredSponsoredCoke is again the biggest culprit behind plastic waste in the PhilippinesGrapes7 NovOnce again the article blames companies for the actions of individuals. It is individuals that buy these products, it is individuals that dispose of them improperly. If we want to change it, we have to change, not just create bad guys to blame.Brazilian response to Bolsonaro policies and Amazon fires growsCar4 SepThank you for this excellent report. I feel overwhelmed by the ecocidal intent of the Bolsonaro government in the name of ‘developing’ their ‘God-given’ resources.U.S. allocates first of $30M in grants for forest conservation in SumatraPlanet4dcarrot hella thick ;)Melting Arctic sea ice may be altering winds, weather at equator: studyleftylarry30 JanThe Arctic sea ice seems to be recovering this winter as per the last 10-12 years, good news.Malaysia has the world’s highest deforestation rate, reveals Google forest mapBone27 Sep, 2018Who you’re trying to fool with selective data revelation?You can’t hide the truth if you show historical deforestation for all countries, especially in Europe from 1800s to this day. WorldBank has a good wholesome data on this.Mass tree planting along India’s Cauvery River has scientists worriedSurendra Nekkanti23 JanHi Mongabay. Good effort trying to be objective in this article. I would like to give a constructive feedback which could help in clearing things up.1. It is mentioned that planting trees in village common lands will have negative affects socially and ecologically. There is no need to even have to agree or disagree with it, because, you also mentioned the fact that Cauvery Calling aims to plant trees only in the private lands of the farmers. So, plantation in the common lands doesn’t come into the picture.2.I don’t see that the ecologists are totally against this project, but just they they have some concerns, mainly in terms of what species of trees will be planted. And because there was no direct communication between the ecologists and Isha Foundation, it was not possible for them to address the concerns. As you seem to have spoken with an Isha spokesperson, if you could connect the concerned parties, it would be great, because I see that the ecologists are genuinely interested in making sure things are done the right way.May we all come together and make things happen.Rare Amazon bush dogs caught on camera in BoliviaCarrot1 Feba very good iniciative to be fallowed by the ranchers all overSponsored The banner image by Rhett A. Butler/Mongabay shows a rainforest stream in Ujung Kulon, Indonesia.FEEDBACK: Use this form to send a message to the editor of this post. If you want to post a public comment, you can do that at the bottom of the page. Avoided Deforestation, Carbon Emissions, Climate Change, data, Deforestation, Emission Reduction, forest degradation, Forests, Rainforests, Redd, Technology, Tropical Forests, Wildtech A searchable database of 467 forest carbon emissions reduction (REDD+) initiatives in 57 countries is now available through the Center for International Forestry Research (CIFOR).The ID-RECCO database gathers in one free online tool over 100 different categories of information – including project partners, activities, and funding sources – on these subnational projects aimed at conserving forests, promoting local economies, and reducing greenhouse gas emissions from deforestation and degradation.The tool makes these data and their sources accessible to anyone, with minimal interpretation: while it does not summarize project results, it provides goals, activities, and links to project websites for the reader to learn more. A searchable database of initiatives to reduce greenhouse gas emissions from deforestation and forest degradation (REDD+) is now available through the Center for International Forestry Research (CIFOR).Fog inside a montane forest near Chirripo, Costa Rica. Cloud forests in tropical mountains are sensitive to small variations in temperature or precipitation. Image by Bruno Locatelli, copyright CIRAD.Launched in 2015 by the French Agricultural Research Centre for International Development (CIRAD), the International Database on REDD+ projects and programs Linking Economic, Carbon and Communities data (ID-RECCO) contains 467 initiatives in 57 countries aimed at reducing greenhouse gas emissions from deforestation and forest degradation (REDD). Some also promote sustainable forest management and enhancement of forest carbon stocks (REDD+). Of these, 359 are considered currently active, 67 were completed before 2018, and 41 have not yet started or have been discontinued.The free online ID-RECCO tool aims to help researchers, governments, and potential project leaders better understand REDD+ projects by centralizing data on as many projects as it can find data for, standardizing how the data for all these projects are organized, and presenting the information in a format that is easily adapted to research and analysis.Using the databaseThe database is organized first by country, which you choose either in a list or on a map. Hovering your computer cursor over a country on the map displays the number of REDD+ projects the database contains for it. Clicking on the country produces a list of its projects with each project’s name, type, size, and current status, and a link for more details.Screenshot of the list of REDD+ projects on the ID-RECCO website. Clicking the buttons to the right of the table bring up the projects for each country. Image courtesy of CIRAD / CIFOR.Users can view and download the data for free, though you must register to be able to download the data tables.The website makes the data available for download in CSV file format, separated into tables organized by country, project name, project type, partners, among other filters.Viewing the data in a spreadsheet program may require some reformatting. Copying and pasting the entire contents of each CSV file into a text editor, then copying and pasting it back into Excel or another spreadsheet program should produce a proper formatting, although formatting corrections may still be needed for some individual rows of data.Screenshot of ID-RECCO tables available for download. Image courtesy of CIRAD / CIFOR.The database includes up to 110 variables—such as size, location, deforestation drivers, and expected socio-economic and environmental impacts—as well as a web link, for each project. For example:The projects table contains the objectives, locations, time periods, social and natural environments, activity types, and information sources for each project.The carbon credit table provides data on the quantity sold, the price, and the buyer for each project that sold carbon credits.The communities spending table describes the types of benefits or payments made to communities as compensation for not clearing forest. These include payments of cash for preserving forest or ecosystem services, micro-credit loans, employment, training, and payments for carbon credits.A financing sources table includes the institution and amount of funding provided to the project.The tool is the first to assemble all this information on subnational REDD+ initiatives and make it accessible to anyone. It also supplies the sources of information used and a list of publications related to the data.“ID-RECCO has so far been used mostly by researchers,” CIFOR researcher Gabriela Simonet told Mongabay. “For instance, it has been cited in 30 academic publications and has been used by CIFOR to test the representativeness of the REDD+ projects and programs included in its Global Comparative Study on REDD+.”A woman in Senegal farms short-cycle cowpeas instead of millet due to poor seasonal rains, which are expected to become more frequent as climate changes. REDD+ aims to reduce emissions from forest loss. Image by Thierry Brévault, copyright CIRAD.Much of the project data are publicly available information, presented as “relatively objective compilations of facts with minimal interpretation”. Many projects lack information and so could be fictitious or abandoned, say Simonet and colleague Coline Seyller in a publication, but were retained in the database in case their status changed or their limited information proved useful. The database does not summarize results of the projects’ activities, though it provides links to project websites for the reader to learn more or consult the implementing institution. In their paper, the scientists recognize the potential biases and data quality issues inherent in publicly available project information without field visits to verify each project.Emissions from loss of tropical forestDegradation and deforestation of the world’s tropical forests together produce about 10 percent of net global carbon emissions; though estimates vary, these emissions are substantial. Institutions have agreed that the global effort to combat climate change must include steps to reduce the destruction of tropical forests.REDD+ initiatives aim to help reduce climate change impacts, alleviate poverty, and sustain biodiversity and ecosystem services in forest-rich developing countries by:reducing emissions from deforestation and forest degradation;conserving and enhancing forest carbon stocks; andsustainably managing forests.The Coalition for Rainforest Nations presented the concept of paying developing countries to reduce greenhouse gas emissions associated with deforestation at the Conference Of Parties (COP-11) of the United Nations Framework Convention on Climate Change (UNFCCC) in 2005. The proposed mechanism encourages countries to protect their forests by offering them credits for maintaining the carbon stored in forests (mainly trees and soil), as well as financial incentives, including access to carbon markets to sell those credits. The goal was to make the value of carbon in standing forests greater than that of the timber that required trees to be cut down.Managing cattle in Cameroon. Cattle production is a major driver of deforestation globally, along with production of soy, palm oil, and wood products. Image by Michel Dulcire, copyright CIRAD.It initially was intended to work at a national scale to prevent deforestation from just moving from one property to another (leakage). However, government and private sources have since supported numerous subnational and local-scale REDD+ projects globally. Simonet and colleagues created the ID-RECCO database to gather information from all these projects in one place.Simonet echoed the findings of a recent study that found that the diversity of REDD+ projects and the scarcity of robust research about their ecological, social, or economic impacts has made it difficult to assess their effectiveness.“In fact,” she said, “there have been very few studies that rigorously analyze the impacts of REDD+ projects on forests, although the few on carbon/land use outcomes show moderately encouraging results.” [see citations below]Simonet created ID-RECCO while still a researcher at CIRAD, and the project has remained a collaboration of four institutions: CIFOR (Bogor, Indonesia), the Climate Economics Chair (Paris-Dauphine university, France), CIRAD (Montpellier, France), and the International Forestry Resources and Institutions (IFRI, University of Michigan, U.S.). She and her colleagues anticipate that assembling previously disparate data will encourage analysis and comparisons of the variety of REDD+ projects.A tree plantation and adjacent crop field replace native forest in Indonesia. Managing land use at the landscape scale to retain tree cover is one strategy for both reducing climate change and adapting to it. Image by Bruno Locatelli, copyright CIRAD.“It allows, for example, [users] to extract simple statistics, like the number of hectares covered by REDD+, said Driss Ezzine-de-Blas, a CIRAD researcher, in a statement, “and [to] understand the trends and types of REDD+ projects and initiatives.”“Being frequently updated and open access, [ID-RECCO] constitutes a unique tool that makes possible monitoring and impact evaluation of those initiatives,” said Philippe Delacote, a researcher at Climate Economics Chair, in the statement, “which will provide a better understanding of the conditions of success of REDD+ implementation.”Next steps in a new homeThe project team is making two major improvements to the database now that it is hosted at CIFOR.“First,” Simonet said, “the project-level information will be updated by December 2018 through an ongoing CIFOR survey to REDD+ project implementers (aimed at having the data checked by them, to increase data quality).  Secondly, we are now distinguishing between local REDD+ projects and subnational jurisdictional REDD+ programs, and will be updating the information on [broader-scale] REDD+ programs based on a collaborative study being undertaken in collaboration with Earth Innovation Institute and the Governors’ Forests and Climate Task Force.”With REDD+ initiatives seeking multiple overlapping benefits – including carbon emissions reductions, biodiversity protection, and rural development – project leaders, funders, and governments need more reliable evidence of where REDD+ projects succeed or fail to guide their project planning and implementation.CitationsSimonet G., Agrawal A., Bénédet F., Cromberg M., de Perthuis C., Haggard D., Jansen N., Karsenty A., Liang W., Newton P., Sales A-M, Schaap B., Seyller C., Vaillant G., (2018) ID-RECCO, International Database on REDD+ projects and programs, linking Economic, Carbon and Communities data. version 3.0. http://www.reddprojectsdatabase.orgBos, A. B., Duchelle, A. E., Angelsen, A., Avitabile, V., De Sy, V., Herold, M., … & Wunder, S. (2017). Comparing methods for assessing the effectiveness of subnational REDD+ initiatives. Environmental Research Letters, 12(7), 074007.Duchelle, A. E., Simonet, G., Sunderlin, W. D., & Wunder, S. (2018). What is REDD+ achieving on the ground?. Current Opinion in Environmental Sustainability, 32, 134-140.Simonet, G., & Seyller, C. (2015). ID-RECCO, a New Collaborative Work Tool to Improve Knowledge on REDD+ Projects (No. 2015-08). Climate Economics Chair Working Paper.Simonet, G., Subervie, J., Ezzine-de-Blas, D., Cromberg, M., & Duchelle, A. E. (2018). Effectiveness of a REDD+ Project in Reducing Deforestation in the Brazilian Amazon. American Journal of Agricultural Economics.last_img read more

PVL: Nicole Tiamzon, BanKo escape Motolite in 5 sets

first_imgSteaming fissures on Taal Volcano Island spotted Heavy rain brings some relief in Australia PLAY LIST 00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award03:05Malakanyang bilib sa Phivolcs | Chona Yu01:26Homes destroyed after Taal Volcano eruption Will you be the first P16 Billion Powerball jackpot winner from the Philippines? View comments She finished with 18 points as she provided another scoring option aside from imports Yasmin Yildrim and Sutadta Chuewulim.The Motolite spikers, coming from a five-set win before the match, were at match point twice, 14-12 and 15-14,but failed to convert the winning point. They dell to 3-6.FEATURED STORIESSPORTSGolden State Warriors sign Lee to multiyear contract, bring back ChrissSPORTSCoronation night?SPORTSThirdy Ravena gets‍‍‍ offers from Asia, Australian ball clubs Don’t miss out on the latest news and information. Nadine Lustre’s phone stolen in Brazil Taal evacuees make the most of ‘unusual’ clothing donations, leaves online users laughing Rio’s unsafe Olympic Park ordered closed by Brazilian judge MOST READcenter_img Sports Related Videospowered by AdSparcRead Next Solon urges Solgen to reconsider quo warranto petition vs ABS-CBN Olympic rings arrive in host city on barge into Tokyo Bay UConn in talks to move back into Big East 11 nabbed for shabu, drug den busted in Maguindanao Deandre Ayton shines as Suns pound Knicks LATEST STORIES MANILA, Philippines—Nicole Tiamzon carried BanKo Perlas on her shoulders as they escaped with a 19-25, 23-25, 25-18, 25-22, 17-15 squeaker over Motolite Sunday in the Premier Volleyball League Reinforced Conference at Alonte Sports Center in Binan, Laguna.Tiamzon slammed down three straight spikes as the Perlas Spikers completed the reversal en route to their third victory in eight matches.ADVERTISEMENTlast_img read more

Gaskin touts Guyana’s commitment to CSME

first_imgWe are open, we are ready and we mean business and that’s what we want you to take back from this trip. And just to clarify when I say “we” I am including Guyana’s Private Sector because that’s who really does business in Guyana,” Business Minister Dominic Gaskin said as he welcomed a Trinidad and Tobago (T&T) Trade Mission delegation to Guyana.A section of the gathering at the opening of the trade missionThe Trade Mission, led by the T&T Chamber of Industry and Commerce CEO Gabriel Faria, comprises 24 companies including those operating in the Information Communications Technology (ICT), real estate development, manufacturing, business support services, financial services, and educational services among other sectors. The Mission aims to foster and build collaborative business relationships to promote the mutual growth and development of both the T&T and Guyana economies, through increased trade and commerce.Minister Gaskin told the gathering that the Government would observe and respect the provisions of the Revised Treaty of Chaguaramas regarding non-discrimination on the basis of nationality, and the rights of establishment and provision of services.“Guyana’s strong commitment to regional integration and the Caribbean Single Market and Economy (CSME), as well as our understanding of our obligation under the Treaty are manifested in the success and growth of many Trinidadian companies already in Guyana,” Minister Gaskin pointed out. He explained that visits such as these create linkages between the Private Sector of the two countries and “the confidence that the countries need to increase the levels of trade and investments within the CSME”. The T&T delegation was also aiming to connect with Guyanese enterprises in search of business opportunities to export and develop synergies with Trinidadian and Tobagonian firms in accessing the Trinidad and Tobago markets.The T&T Chamber had noted in an earlier press release that “with Guyana now poised for considerable economic advancement, it is expected that new service industries requiring additional skillsets and investments will become a reality”.“Sustainable cross-border trade and business relations will now be the order of the day, opening new opportunities for enterprises in both territories in the sphere of export, import, distribution and investment.”Minister Gaskin stated that Guyana was working to further improve its ranking on the international index for conducting business.The Trade Mission concludes today at the Pegasus Hotel.last_img read more

Holding on to house

first_img AD Quality Auto 360p 720p 1080p Top articles1/5READ MORE11 theater productions to see in Southern California this week, Dec. 27-Jan. 2160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! Rising interest rates and a cooling housing market has made it a nail-biting time to be a homeowner. Many Southern Californians who dove into tempting zero- percent-down loans with huge variable-rate risk now realize they may have bitten off more than they can chew. The changing times are forcing some into foreclosure, but others are making use of their options and managing to hold on to their homes. Take Bianca Garcia, a manufacturing production coordinator in Palmdale. Like many Southern Californians trying to buy homes as prices went through the roof and lenders opened up their wallets, Garcia secured her loan through a finance company instead of a conventional lender. It’s an option to which many consumers with questionable credit turn on their first step into the housing market. So in 2003, she and her husband paid $173,000 for a four-bedroom, two-bath house with a three-car garage in Palmdale. Two years later and 90 days in default on her loan, Garcia was on the road to foreclosure. “We just had so much going out at the time,” said Garcia, who is still living in her house, thanks to an arrangement she made with a mortgage investment firm. The company, 2-year-old TerraCotta Group LLC, located in Manhattan Beach, paid the first and second mortgages on the house, put it in a trust, and began work on repairing Garcia’s credit. It plans to refinance the house by the end of this year, and Garcia will then buy it back with a conventional lender. Indeed, if there is some good news for homeowners who took out variable-rate loans or loans they really couldn’t afford in recent years, it’s that a new industry has arisen to help bail them out. Still, there is only so much these firms can do. Foreclosures are on the rise, and the peak is probably still a few years out. Foreclosures in Southern California are up almost 30 percent since January by 56 percent in Riverside County, 10 percent in San Bernardino County and 16 percent in Los Angeles County, according to foreclosure tracking firm Default Research Inc. “I started the business two years ago,” said Tingting Zhang, president of TerraCotta Group. “We had 90 people a day in foreclosure. As of today, the number is 295.” She expects foreclosures to peak between 2008 and 2010 as the California real estate market continues to cool. “It’s no longer appreciating 20 to 40 percent a year.” Zhang blames part of the increase on the creative loans and more liberal lending environment of recent years and the subsequent climb in interest rates. But there is more to the story, she said. One factor is the changing real estate market. “We don’t have a white-hot listing market anymore. … If people (once in default) are going to sell their house to pay off the lender, they really need to do it in a month, and they can’t do that now.” Cities like Pasadena and Long Beach might be more vulnerable to a foreclosure wave, she said, because prices have long been high in those areas, while growth is stagnant because they are mature markets. Areas like Palmdale and Lancaster and other parts of Riverside County offer somewhat of a buffer against widespread foreclosure because they are still relatively affordable and still offer great growth potential. “Because it has depreciated so fast, (that market) will slow down, but on the other hand it’s still desirable and trying to attract white-collar workers.” Aside from the loan environment, the cooling market and people taking on more debt than they could handle, Zhang attributes much of the increase in foreclosures to old-fashioned causes, like illness and job loss. Joyce Maloney, senior counselor for mortgages and debt counseling at Consumer Credit Counseling Service of Santa Clara and Ventura counties, with headquarters in Camarillo, said job insecurity comes up frequently in her sessions with consumers facing foreclosure. “Jobs are just not secure anymore, and incomes are not secure anymore,” she said. “You see 50 to 75 percent of their income is going to housing.” Maloney said half the increase in foreclosures is because consumers did not understand their loans or took out loans inappropriate for their income levels. But she blames the other half on job loss, pay cuts and general indebtedness. So what’s a broke homeowner to do? ACT NOW No. 1 is to get help as early as possible, preferably before going into default at all. Some consumers make the mistake of thinking about mortgage payments in the same way they think of a credit card payment. “Bankruptcy is no longer as threatening to lenders,” said Zhang. “Foreclosure is very different. If you’re late on your credit card, it’s acceptable even though it affects your score. But if you’re late on your mortgage, it’s a very serious matter.” If you’re already in default, it still pays to intervene as early as possible. There’s a big difference, from the bank’s point of view, between being 30 days late and being 120 days late. And these days, foreclosure notices seem to be starting sooner, said Maloney. “It used to be three or four missed payments. Now it’s as quickly as the second missed payment,” she said. Even in the 11th hour, there’s a lot that can be done to keep a house. One couple came to TerraCotta’s office the day before their home was to be sold by the lender, Countrywide Financial. Countrywide agreed to postpone the sale while the house was bought by TerraCotta and put into a trust to repair the credit. CHOOSE A PRO Deciding who to call is not that straightforward. TerraCotta Group markets itself as a one-stop shop that can offer all the options available by traditional means. “A Realtor can sell it, a lawyer can file for bankruptcy protection, and a mortgage broker can refinance,” said marketing manager Cynthia Hogle, but a company like hers can assist with all of these. Still, there may be situations where homeowners in default need to hire an attorney or a Realtor for other reasons. And a homeowner could certainly refinance with a mortgage broker. But if homeowners are already in default, those loans will likely be harder to get approved. So homeowners who decide to try to refinance with a broker should choose one with specific experience in distressed situations. The bottom line is that consumers facing foreclosure need to do a lot of homework and obviously look out for scam artists, notorious for preying on desperate homeowners facing eviction. GET EDUCATED Ideally, prospective homeowners should take time to educate themselves a bit before jumping into homeownership. Fresh Start Financial, a credit-repair company in Van Nuys that has seen foreclosures increase in the past six months, plans to start holding seminars on responsible use of credit. “The mentality is, OK, you’re buying a home for, say $650,000. It’s a great price. … You’re thinking you’re getting a great deal, but you’re forgetting that you are still going to be paying $5,500 with insurance and interest a month,” said Fred Lopez, a manager at Fresh Start. “With a good credit report you could get these loans without proving income on it. We just saw someone with a 680 score, but he had a house that went into the foreclosure process. Now he’s being turned down for other houses. We see a lot of people with the monster homes and cars, and they are so in debt it is insane. If you understand money, you’re not going to go buy a car for $110,000. You’re going to buy a 2-year old car where most of the loss will already be gone from it.” Using the same logic, Joyce Maloney said the rise in foreclosures reflects the fact that many people who bought houses in recent years probably should not have. “The government has said everyone should be a homeowner,” she said. “Well, not everybody should be a homeowner. Some are not secure enough in job opportunities to even think about it. The sad part is when someone goes through foreclosure, they usually will not buy another house. They’ve been burned once and don’t want to be burned again.” (818) 713-3662last_img read more

11 games in Donegal Minor Championship this evening

first_imgFr Tierney Park in Ballyshannon.There are 11 games in total in the Donegal Minor Championship this evening.In Division One, Aodh Ruadh journey to Naomh Conaill and Bundoran are home to St Michael’s from 7pm, while Four Masters host Ardara and Kilcar welcome Dungloe to Towney at 7.30pm.Elsewhere Letterkenny Gaels host Buncrana.In Division Two, Naomh Muire host Termon, Milford are away to Fanad Gaels, Glenswilly host Cloughaneely, Gaoth Dobhair face Burt and Red Hughs play Moville; while Robert Emmets play Lifford in Division Three.In the Southern U14 Division One Championship, Four Masters host Killybegs at 6.15pm, while Aodh Ruadh are home to Dungloe from 7.30pm.In Division Two, Naomh Columba host Ardara at 5.30pm, while Aodh Ruadh welcome Bundoran to Fr Tierney Park from 6.15pm, the same time as Kilcar host Naomh Muire.last_img read more

Oportunidades: sectores chave

first_imgAs oportunidades de negocio abundam por toda a África do Sul, com alguns sectores identificados como tendo particular potencial de crescimento e investimento. Incluem as seguintes:Industria automovelA industria automovel na África do Sul e um motor global a turbo para o fabrico e exportaçao de veiculos e componentes. O sector exporta cerca de 10% do que fabrica, fazendo dela uma parte crucial da economia da África do Sul. Saiba maisOutsourcing (terceirizaçao)As empresas estrangeiras lutam cada vez mais contra o aumento dos custos e sentem cada vez mais a pressao das metas a atingir e a África do Sul esta a tornar-se um local favoravel para aqui encetarem contratos de BPO, do ingles Business Process Outsourcing, ou processo de terceirizaçao. Saiba maisTecnologias da Informaçao e Telecomunicaçoes e electronicaLider das Tecnologias da Informaçao e comunicaçao (TIC) em África, a África do Sul e o 20º maior consumidor de produtos e serviços de IT no mundo. Contribuindo cada vez mais para o PIB do pais, as TIC da África do Sul e o sector electronico sao sofisticados e estao em progresso. Saiba maisTurismoA lindissima paisagem cenica da África do Sul, a magnifica vida ao ar livre, o clima solarengo, a diversidade cultural e a reputaçao de retribuir o valor do dinheiro investido, tornaram-na num dos destinos mais procurados para viagens de lazer – e de negocios. Saiba maisAgricultura e agroindustriaA biodiversidade da África do Sul, aliada a sua longa linha costeira de 3.000 km, servida por sete portos de mar, favorece o cultivo de uma enorme diversidade de produtos marinhos e agricolas, desde os produtos da epoca, citrinos e frutos subtropicais ate aos cereais, la, floricultura, gado e caça. Saiba maisMinas e mineraisA África do Sul e um dos maiores produtores de metais preciosos como ouro e platina e tambem de bases de metal e de carvao. É o quarto maior produtor de diamantes. E os entendidos acreditam que existe ainda um potencial consideravel para descobrir outros depositos de minerios em areas ainda nao exploradas. Saiba maisIndustria quimicaA industria quimica da África do Sul, incluindo combustivel, plasticos e produtos farmaceuticos, e a maior do seu genero em toda a África e foi classificada pelo governo como motor principal do crescimento economico. Saiba maisReporter infoSAlast_img read more

Loss Prevention Data: Who’s Responsible?

first_imgListening to loss prevention leaders discuss their relationships with information technology (IT) departments and offer advice for strengthening them can seem a bit like eavesdropping on marriage counseling. There is admission of a “love-hate” dynamic, occasional hand-wringing over who gets final say, and counsel to “listen, don’t just talk” and to “see things from their perspective.” There is a critical difference, however. No matter how uphill the battle, divorce is never an option.Loss prevention needs IT. These departments must team successfully to manage technology in retail stores. More functions of retail security than ever depend on support from technology departments. LP needs IT permission to put technology solutions on the network and increasingly relies on IT for access to the loss prevention data and the optimization of IP technologies to effectively perform their function.“I simply can’t do my job without them,” explained Virginia French, an investigator at Brinker International, whose brands include Chili’s Grill & Bar. French says she needs her IT partners to provide timely access to a variety of data sets, so she can keep pace with the latest employee fraud or theft scheme. “My job is absolutely crippled if I can’t get the data,” she said.- Sponsor – High Stakes for Loss Prevention DataAs more loss prevention technologies migrate to the network and LP increasingly plays in IT’s sandbox of data, IT departments have become indispensable to loss prevention and asset protection (AP) functions. We rely on them for both the implementation and success of asset protection systems and to fully realize the value that our departments can provide our companies.Macy’s, for example, has been aggressively pursuing big data projects for years, and tapping into it has been a focus of its AP and LP departments, according to Thomas Smith, systems and technology manager in Macy’s asset protection division. “Within the data systems they maintain is all the return information, all the transaction info, and all the marketing information. So we’re looking at all this data and thinking about how we can use that in AP and with our own analytics to make us more efficient and identify issues we haven’t seen before,” said Smith. It’s already had a payoff. Macy’s recently closed several major refund fraud cases, organized retail crime cases, and major insider thefts by digging deeper into its loss prevention data—with a key assist from IT.As with access to data, network technology in retail stores drives reliance on IT. “Our relationship with IT really started in earnest with the move to IP cameras and adding them to more than 500 locations,” explained Joe Darnell, manager of loss prevention administration for retail business services at Delhaize America and its Food Lion and Hannaford brand stores. “For years, we only needed IT to network our DVRs, and that’s not that hard. But when you’re putting every single camera on the network, with every device named, and making sure ports are available and standardizing the system, the relationship with IT became that much more important.”Clearly, the stakes of effective collaboration with technology departments are extremely high. So how’s it going?Extremely well, if you ask loss prevention executives. In a national security survey on the question, LP pros rated their level of cohesion with technology departments significantly better than security counterparts in other industries. Case in point: fewer than 4 percent of loss prevention executives rated their alignment with IT as particularly weak, a score of 1 or 2 on a 5-point scale (see table).But that’s not to say there aren’t challenges and potential pitfalls. Talking with IT isn’t always easy. Cultural and operational differences may exist and act as barriers to effective collaboration. Priorities and project timelines are often at odds. Setbacks occur and can be triggered by even small events like the departure of key personnel.“It’s happened that I’ll work with one person for a long time and educate them to the point where they finally understand the urgency we have and how employees are thinking and stealing, so they are intuitive on their end about the data I need as an investigator,” said French. “And then they leave. And I’ll have to teach LP to IT all over again to someone new.”Even IT has limits to its bandwidth, according to Tom Meehan, CFI, former director of technology and investigations in the asset protection department at Bloomingdale’s. “In an omni-channel retail environment, IT departments today have their hands in everything—it’s a true resource challenge. When they say they don’t have time, they really don’t. They are truly dealing with everything a retailer does.”LP Magazine spoke with a dozen leaders in the LP industry, and they seemed to unanimously agree that understanding and avoiding the potential causes of disconnect between IT and LP is as critical as any management challenge facing LP pros today. So what’s the secret to a happy marriage? Read the full article, “Building an Unbreakable LP-IT Bond,” to find out.The original article was published in 2017. This excerpt was updated August 2, 2018. Stay UpdatedGet critical information for loss prevention professionals, security and retail management delivered right to your inbox.  Sign up nowlast_img read more

Pew Study Examines Wealth and Internet Usage

first_imgWealthier households are more likely to use the Internet on any given day than those in lower income brackets, according to the latest research from the Pew Internet and American Life Project. Ninety five percent of households earning over $75,000 a year use the Internet at least occasionally, compared with 70% of those living in households below that income level. The study offers a more nuanced view than simply “the poor can’t afford it,” pointing to disparities at various income levels.The study found that even among regular Internet users, income makes a difference in Internet usage and access in ways that race, gender, and educational attainment do not: 93% of those higher-income Internet users have broadband at home while only 85% of those with an annual income of less than $75,000 do. The number of broadband subscribers drop to 64% of those who earn less than $50,000.As Internet connections become increasingly mobile, broadband Internet at home is no longer a sufficient measurement for access. The Pew Research also found a disparity between higher and lower-level income brackets and cellphone ownership: 95% of those earning above $75,000 have a cellphone as opposed to 83% of those earning less money. As Internet access becomes increasingly crucial for all manner of personal, professional, and civic engagement, this digital divide between income levels will become important. Internet users at the higher income levels are more likely to go online multiple times per day, both at home and at work. 86% of those at higher income levels reported being online more than once a day, as opposed to just 54% of those at lower income levels. The research also found that different income levels use the Internet in different ways, with what Pew calls different “intensity of use.” Those at higher income levels are checking email (93% of them do so), accessing news online (80%), paying bills (71%), and research products (88%). In comparison, only 34% of those at the lowest income brackets get their news online. 8 Best WordPress Hosting Solutions on the Market A Web Developer’s New Best Friend is the AI Wai… Tags:#news#NYT#web center_img audrey watters Why Tech Companies Need Simpler Terms of Servic… Top Reasons to Go With Managed WordPress Hosting Related Posts last_img read more