In this month’s column with Pascal Curran, financial advisor and founder of advicefirst.ie, we gain a jargon-free guide to understanding the process of planning for a mortgage:At Advice First, as Mortgage Brokers we’ve done all of the research and know the market inside out, meaning that we can talk it through with you in simple terms, and let you know the best available option for you, unbiased, informed (and zero jargon!!)Pascal’s tips for getting Mortgage Ready:Are you ready to take a leap into home ownership (congratulations!) and unsure of the steps to take, and how to ready yourself for this journey? We’ll break some of it down to simplify the process, it’s good to do your homework so that you can be armed with knowledge before you’re bombarded with info (…and a sales pitch!) and luckily, we’ve done this homework for you, and can help you in a personalised way when you call in to us. Income:Lenders looking closely at your basic income; make sure you have three months payslips at the ready, last year’s P60 and a salary cert completed by your employer (you can obtain a salary cert from your Mortgage Broker or lender).Permanency:To obtain a mortgage you must have completed your probationary period and you should have at least six months (but preferably twelve months) in continuous employment. Lenders want to see consistency and long-term ability to repay.Costs:Having saved for this beforehand, is sensible. For example, do you have enough money set aside for the deposit, valuation and legal fees, and for furnishing the property? You will be required to have lender evidence on paper – e.g. bank statements and gift confirmation (if any) of this deposit prior to the loan offer being issued. Please note: You should also consider the additional costs incurred in taking a mortgage, including the cost of the valuation and the cost of the solicitor. Shop around and find out what the average cost will be, you should never instruct a valuation or solicitor until you get advice from your Mortgage Broker.Savings:Lenders will require evidence of savings. Not only is this showing that you can live within your means, it also demonstrates good financial planning and an ability to make repayments.Paperwork:When you go to your Broker or lender you should bring the following bits and pieces:3 months’ recent payslips (some lenders require less)6 months’ bank account statements (for all bank accounts)6 months’ saving bank account/Credit Union statements12 months’ loan account statements, for all existing loans including existing mortgagesRecent P60Keep an eye on:Check that you have not had any unpaid direct debits or standing orders on your statements (these are sometimes denoted by referral fees). If there are unpaid direct debits or standing orders, check why this occurred and explain this to your Mortgage Broker/Lender. Doing this can save a lot of time later in the process.Ability to repay:Can you show ability to repay i.e. paying rent? You can demonstrate an ability to repay by showing a strong savings history and strong payment history, i.e. ability to pay a specified rent each month. It is important that the rent and savings transactions can be seen on your bank account statements. Loans which have recently been paid off are also useful to show ability to repay.Deep in the O/D:Do you live within your means, avoiding overdrafts? If you have an overdraft, check your six months bank statements and ensure you are not continually falling into the overdraft. If you do not have an overdraft, ensure that you have never overspent and initiated an unauthorised overdraft. Check also that you have not been “living from one pay cheque to another”. If this is the case, very strong savings records may help.Credit history:Don’t forget – if you are unsure about your credit history or if you missed payments in the past, log on to www.icb.ie and pay a small fee to get your credit report sent directly to you. You should show this to your Financial Broker/lender when applying for a loan.In this column each month Pascal will provide financial advice on the most frequently asked topics – here on Donegal Daily and is looking forward to further breaking down the barriers around financial advice in his renowned experienced and jargon-free way!If you would like to book a no obligations consultation with Pascal, click here to visit advicefirst.ie or simply call +353 74 910 39 38 to talk to us today. Follow us on Facebook & Instagram Advice First Financial Services Ltd trading as Advice First Financial is regulated by the Central Bank of Ireland.Catch up on Pascal’s first Financial Advice column here:Meet Pascal Curran – Donegal Daily’s new financial advice columnist!Getting a mortgage? What you need to know and prepare for with Advice First was last modified: March 29th, 2019 by Pascal CurranShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:advice firstMortgagePascal Curran
Zuma, who has a pending State visit to India next month, said businesses should not miss the opportunity to leverage a relationship with one of the world’s largest markets. Stronger partnership with business Meanwhile, Busa elected Futhi Mthoba as its new president. Mthoba, who received majority votes in her run against businessman Sandile Zungu, said her first priority will be to build unity among members. “We have been working well together as the partnership of business, government, labour and community sector, implementing the framework agreement for South Africa’s response to the international economic crisis,” Zuma said, adding that a range of interventions, including programmes to help firms avoid retrenchments, had been introduced. Zuma congratulated Mthoba saying government would continue to work for a stronger partnership with business. “We look forward to ongoing fruitful engagement with Busa, to tackle the serious socio-economic matters affecting our country,” he said. Source: BuaNews He said the Industrial Development Corporation (IDC) had allocated R6.1-billion to support companies that were hard-hit by the economic crisis, and encouraged all employers who faced the prospects of layoffs to use facilities that the government had created in an effort to curb unemployment. The continued loss of jobs this year, including those recovered in the final quarter of 2009, is a cause for concern for the government and requires renewed action, says South African President Jacob Zuma. Zuma also called on business to explore the growing African market, adding that Sub-Saharan Africa was the third-fastest growing region in the world after China and India. He said that, following his attendance at the World Economic Forum in Dar es Salaam, he had returned “encouraged about Africa’s prospects”. 12 May 2010 Close to one million jobs have been lost so far during the global economic recession. ‘Explore Africa’ Speaking at the Business Unity South Africa (Busa) annual general meeting in Johannesburg on Tuesday, Zuma said it was clear that some sectors of the economy were still suffering, even though overall, some were beginning to grow fairly well again. “I’ll help them build capacity and then reach out to small businesses and capacitate them as well so they can create jobs. A lot of work needs to be done but I am extremely excited and honoured to be appointed,” Mthoba said. “As we predicted, although the economy was turning positive, the impact of the recession might still lead to some job losses.
Share Facebook Twitter Google + LinkedIn Pinterest PHOTOS BY MEGHAN BRUNS Cassidy Lusk, 10, Clark Co. with her dark crossbred market barrow Cassidy Lusk, 10, Clark Co. drives her dark crossbred market barrow for the judge Junior fair exhibitors showing their market dark crossbred market barrows Lucas Buehler, 18, Shelby Co. shows his dark crossbred market barrow Diana Weimer, Waterville with her Grand Champion dark crossbred market barrow Madelyn Fearon, Greenville drives her Reserve Champion dark crossbred market barrow Lydia Henry, 14, Clark Co. shows her light crossbred market barrow Robert Scholl II, Marysville drives his light crossbred market barrow Lea Kimley, South Charleston drives her Reserve Champion light crossbred barrow Joel Cress, 14, Miami Co. shows his Duroc market barrow Junior fair exhibitors show their Yorkshire market hogs Duroc junior market exhibitors driving in the purebred market barrow show Junior fair exhibitors driving their Yorkshire market barrows Landrace exhibitors during the purebred market barrow show Micah Smock, Shelby Co shows his purebred market hog Lilly Rees, Bidwell, receives Grand Champion Chester White market barrow Two Hampshire market barrow exhibitors during the market barrow show Deanna Pence, New Carlisle drives her Berkshire market barrow Anne Thompson, Wilmington drives her Grand Champion Spotted market barrow Dustin Winner, Piqua shows his Hereford market barrow Saylor Moore, Washington Courthouse shows her Reserve Grand Champion Spotted market barrow Derek Barker, Edison drives his Hereford market barrow Elijah Keplinger, Clark Co. drives his Yorkshire market hog Junior fair exhibitors in the Yorkshire market barrow show Junior fair exhibitors show in the hampshire barrow show Kaci Way, West Salem shows her Reserve Grand Champion Yorkshire market barrow Champion drive Champion drive Champion drive Champion drive Champion drive Champion drive Champion drive Champion drive Champion drive Champion drive Champion drive2016 Junior Market Barrow results Dark CrossbredGrand Champion – Diana Weimer, Waterville-264 lbsReserve Champion – Madelyn Fearon, Greenville-258 lbsLight CrossbredGrand Champion – Ashton Frey, Upper Sandusky-262 lbsReserve Champion – Lea Kimley, South Charleston-262 lbsBerkshireGrand Champion – Paige Pence, New Carlisle- 264 lbsReserve Champion – Zander Ivey, Bloomingburg- 250 lbsChester WhiteGrand Champion – Lily Rees, Bidwell-253 lbsReserve Champion – Micah Smock, Jackson Center-256 lbsDurocGrand Champion – Jenna Siegel, Marion- 269 lbsReserve Champion – Ashton Frey, Upper Sandusky- 274 lbsHampshireGrand Champion – Kelsey Vollrath, South Charleston- 271 lbsReserve Champion – John Smock, Jackson Center-250 lbsHerefordGrand Champion – Dustin Winner, Piqua- 257 lbsReserve Champion – Kelli Kearney, Burbank- 280 lbsLandraceGrand Champion – Madelyn Harrison, Hamilton- 279 lbsReserve Champion – Tyler Warner, Clyde- 265 lbsPoland ChinaGrand Champion – Ansley Kozarec, Farmersville- 280 lbsReserve Champion – Aaron Rolfe, Sabina- 267 lbsSpotGrand Champion – Anne Thompson, Wilmington- 280 lbsReserve Champion – Saylor Moore, Washington Courthouse- 249 lbsTamworthGrand Champion – Kamree Frey, Upper Sandusky- 262 lbsReserve Champion – Ashton Frey, Upper Sandusky- 270 lbsYorkshireGrand Champion – Brilea Bishop, Jamestown-280 lbsReserve Champion – Kaci Way, West Salem- 246 lbs
SharePrint Related”Pirate’s Booty/Bonaire” GC19NBJ GEOCACHE OF THE WEEK – October 24, 2011October 24, 2011In “Community”Geocache of the Week — Pirates of the Grand: The Legend of DKs TreasureAugust 3, 2017In “Community”Arrrrrrr you fan of Pirates? — Nashuan’s First Cache (GC1D56C) — Geocache of the WeekAugust 28, 2013In “Community” Share with your Friends:More Your adventure awaitsCoordinates to this kid-friendly geocache deliver you to a remote island off eastern Canada. Your thirst for adventure leads you to a mysterious door. The passage is carved into a sheer cliff. The salty sea air heightens your awareness. You’re near a hidden pirate treasure. The deserted beach, on a rocky shore will reveal a secret if you can only follow the clues.A pirate’s treasureNaGeira’s Treasure (GC6EDE) was hidden by Alastair Allan (aviex) & Sherilyn Beaton. It’s rested in a moss covered cove for ten years. The cache owners described the cache as, “an adventure for the kids and an interesting afternoon.”They weave a pirates tale with the cache description. “NaGeira’s treasure was wrested from the dastardly pirate Peter Easton by the people of Conception Bay and hidden underground on the Treasure Island. A recently discovered parchment… appears to give directions to the hiding place.”In search of treasureNearly 150 geocaching teams logged smileys on this cache since it was hidden July of 2002. The difficulty 2.5, terrain 3 traditional cache in Newfoundland and Labrador has accumulated more than 20 Favorite Points. Geocachers who find the cache say, “Well isn’t this what caching is all about! Seeking treasure in a memorable location that makes you almost forget what you planned to do for the rest of the day. That was certainly our experience: a lunch on the beach and exploring for the rest of the afternoon. Truly one of of our all-time favourites. The stuff ‘caching memories’ are made of ”Getting closer…Continue to explore some of the most engaging geocaches around the globe. Check out all the Geocaches of the Week on the Latitude 47 blog or view the Bookmark List on Geocaching.com.If you would like to nominate a Geocache of the Week, send an email with your name, comments, the name of the geocache, and the GC code to firstname.lastname@example.org.
Beijing Olympics bronze medal winning wrestler Sushil Kumar will lead the Indian contingent at the opening ceremony of the London Games on July 27.The Indian Olympic Association (IOA) named Sushil as the flag-bearer for the contingent on Sunday, even as a number of names were doing the rounds.Amongst the others who were in contention were India’s only individual Olympic gold medallist Abhinav Bindra, Beijing Games bronze medallist Vijender Kumar and Leander Paes, who won a tennis singles bronze at the Atlanta Games.”It’s a matter of great pride for me that such an honour has been bestowed upon me. I feel privileged to lead the Indian contingent at the Olympics which is considered as the biggest sporting event in the world,”Sushil told Mail Today on Sunday, minutes after arriving from the US where he was training with the wrestling team.Sushil, who rose to prominence after winning the bronze medal at the Beijing Olympics, said that being the flag-bearer will only motivate him to do better in London.”I am aware that the whole country would be expecting a medal from me and I have been training very hard so that I don’t disappoint fans.”There are a lot of other athletes in the Indian contingent and having been chosen as the flag-bearer will only motivate me to perform better at the London Games,”said the 66kg category wrestler.Sushil has a long list of achievements to his credit. Along with the bronze in Beijing, the gold medal at the 2010 World Championships in Moscow is the highlight of his career so far.advertisementThe 29-year-old Sushil also won a gold at the 2010 Delhi Commonwealth Games and is a four-time Commonwealth champion.At the Olympics, the wrestling events begin on August 5.The five-member Indian wrestling team is scheduled to leave for Belarus on Thursday night where they will train for two weeks before they fly out to London in the first week of August.However, Sushil will make a two-day visit to London for the opening ceremony. He will fly out from Belarus on July 26 and join his wrestling team after a couple of days.”It’s a matter of just two days and with the kind of training that we have had, I don’t expect it to affect my preparation. Being the flag- bearer will only motivate me,”he added.Acting IOA president Vijay Kumar Malhotra said that Bindra’s father had officially informed them that he will not be able to lead the Indian contingent, while Paes has already had the honour at the Sydney Olympics.”Abhinav has his event the day after the opening ceremony and the same is the case with Vijender who also has his bout on July 28,”said Malhotra.rahul.rawat@ mailtoday.in
Don’t miss out on the latest news and information. SEA Games hosting troubles anger Duterte Luke Maye had 20 points and 11 rebounds and Cameron Johnson finished with 19 points and 10 rebounds, helping North Carolina avenge a blowout loss with a 79-69 victory over Louisville.“The biggest thing for us was to come out early and be ready to go,” Maye said. “We didn’t do that last time and I thought we did that today.”FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSUrgent reply from Philippine football chiefSPORTSPalace wants Cayetano’s PHISGOC Foundation probed over corruption charges PDEA chief backs Robredo in revealing ‘discoveries’ on drug war Oil plant explodes in Pampanga town View comments Private companies step in to help SEA Games hosting Grace Poe files bill to protect govt teachers from malicious accusations North Carolina guard Kenny Williams (24) goes in for a layup over the defense of Louisville forward Dwayne Sutton (24) during the first half of an NCAA college basketball game in Louisville, Ky., Saturday, Feb. 2, 2019. North Carolina won 79-69. (AP Photo/Timothy D. Easley)LOUISVILLE, Ky. — This time around, No. 9 North Carolina returned to form against No. 15 Louisville.The Tar Heels controlled rebounding, the inside and just about everything else Saturday to show how far they have come since their previous meeting with the Cardinals.ADVERTISEMENT Sports Related Videospowered by AdSparcRead Next Chiefs QB Patrick Mahomes takes MVP, top offensive player awards MOST READ US judge bars Trump’s health insurance rule for immigrants LATEST STORIES ‘We are too hospitable,’ says Sotto amid SEA Games woes PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss ‘We are too hospitable,’ says Sotto amid SEA Games woes For the complete collegiate sports coverage including scores, schedules and stories, visit Inquirer Varsity.
The ACT’s best Touch Football players will be on show this weekend as they take part in the 2012 Touch Football ACT Super League semi finals and grand finals on Saturday, 1 December at the West Belconnen Leagues Club. All four clubs in the Men’s and Women’s divisions are still in the hunt to take out the 2012 Super League titles, with the teams to battle it out in semi finals earlier in the day before the winners of both semi finals progress through to the finals in the afternoon. The Tuggeranong Vikings finished on top in the Women’s competition followed by the Canberra City Bears, Woden Eagles and the Riteway Northern Phoenix.The 2011 Men’s champions the Riteway Northern Phoenix finished on top in the Men’s division followed by the Tuggeranong Vikings, Woden Eagles and the Canberra City Bears.The Women’s semi-finals will kick off the finals day at 11.00am, with the winners progressing into the final at 1.00pm. The Men’s division will see their semi-final start at 12.00pm, with the final to be played at 2.00pm. The 2012 Super League Dinner will be held that night at the West Belconnen Leagues Club at 6.30pm and will recognise some of the talent that has been on show throughout the series as well as the Trevor Richards Awards. For more information and results, please visit the Super League section of the ACT website at:http://www.acttouch.com.au/ ACT Super League Finals Day11.00am – Women’s Semi FinalsTuggeranong Vikings versus Riteway Northern PhoenixCanberra City Bears versus Woden Eagles12.00pm – Men’s Semi FinalsRiteway Northern Phoenix versus Canberra City BearsTuggeranong Vikings versus Woden Eagles1.00pm – Women’s Final2.00pm – Men’s Final Related LinksACT Super League
Sheffield Utd boss Wilder: I watched Liverpool from the Kop as a boyby Paul Vegasa month agoSend to a friendShare the loveSheffield United boss Chris Wilder admits he stood on the Kop at Anfield as a young boy.Wilder’s dad is from Norris Green on Merseyside and his uncle took him on the Kop a couple of times in the 1970s as a kid during trips to see his relatives.Wilder saw Liverpool greats Kevin Keegan and Emlyn Hughes in their pomp and remembers being carried down the Kop in an avalanche of people when the Reds scored.“I was on the Kop with my uncle Colin, he’ll like this plug!” said the Sheffield United boss ahead of hosting the Reds today. “He took me a couple of times.“I would have been eight or nine when we used to go for Christmas holidays and we’d have the odd trip to Anfield.“As people at the time will know and relate to you, you started halfway up the Kop, then when Liverpool scored you ended anywhere, possibly down the bottom, and my uncle would take the next 20 minutes to try and find me.“It was great to experience in my formative, young years. I am, and always will be, a Sheffield United supporter, but that part of me has always been there from my dad’s side and my uncle and my auntie.” About the authorPaul VegasShare the loveHave your say
Georgia doesn’t want to see a repeat of this in 2015.Louisville loses a number of defensive stars, including interception machine Gerod Holliman, from last year’s excellent defense, but a pair of Georgia transfers will look to pick up the slack. Josh Harvey-Clemons and Shaq Wiggins both played for current Louisville defensive coordinator at UGA. Harvey-Clemons was directly involved in Georgia’s heartbreaking 2013 loss to Auburn. Nick Marshall’s 4th-and-18 heave deflected off of his hands into those of receiver Ricardo Louis for the game-winning touchdown. That’s the type of play that could haunt a guy for his entire career, but for Harvey-Clemons, the chance to play Auburn again was a major selling point that helped lock up his transfer to Louisville.When former Georgia safety Josh Harvey-Clemons was being recruited to Louisville, one of the unexpected selling points for defensive coordinator Todd Grantham — formerly at UGA as well — was who the Cardinals would play in Harvey-Clemons’ first eligible game with the new program. Auburn. “When he said that,” Harvey-Clemons said, “I just knew it was meant for me to come here, really. I’ve been waiting to play them again. I look forward to it.”With Jeremy Johnson at quarterback, Auburn may be a bit more pass-oriented than they have been in recent years under Gus Malzahn. Harvey-Clemons and Wiggins might have a few opportunities to get some revenge on the Tigers come September 5 in Atlanta. [Courier-Journal]
Usually when someone is getting jumped on by a group of men it is a bad thing. For freshman Logan Schuss, though, getting jumped on was a good thing.“At first it wasn’t the best; I couldn’t breathe. But after that it was good,” Schuss said.Schuss was at the center of his team’s overwhelming celebration after Ohio State’s men’s lacrosse team won in overtime Saturday 11-10, after blowing a three-goal lead. Coach Nick Myers constantly encourages team to play a full 60 minutes each time out, but on Saturday they needed a little extra.With the score tied at the end of regulation, the Buckeyes went into sudden-death overtime. One minute and 10 seconds into the overtime, Schuss was able to find the back of the net for the win.“There’s no love for each other, so it’s always nice to come out and beat these kids,” senior goalie Brandon Freeman said.The Buckeyes were able to get the win, but it didn’t come easy.OSU only trailed once in the game when the score was 1-0, but they were never able to pull away.“We knew going into the game there was going to be a run,” Myers said.On multiple occasions, the Buckeyes had two-goal leads and once had a three-goal lead, but Penn State fought back each time. The Buckeyes even had a two-goal lead with less than three minutes to go in the game, but they were unable to close out the Nittany Lions.Myers said he told his team to hang in there. He told them it would take heart and hustle to win the game.OSU was out-shot by Penn State by 24 and won nine fewer face-offs.Schuss was named conference Rookie of the Week last week and he threw his name back in the mix for next week’s award. Along with the game-winning goal, Schuss assisted on four other goals.Along with Schuss, senior Mario Ventiquattro brought his “A” game. Ventiquattro was able to find the back of the net four times.The Buckeyes got the win, but not without injuries. Midway through the fourth quarter, Matt Kawamoto suffered a shoulder injury.With the win, the Buckeyes will take a two-game win streak on the road to play Robert Morris on Tuesday.
With a spot in the Big Ten Championship Game locked up and a 42-27 win against Indiana in the rearview mirror, Urban Meyer and Ohio State have their sights set on archrival Michigan.Meyer — entering his third Michigan week as the Buckeyes’ coach — met with the media on Monday to discuss The Game and what it means to everyone involved, and also touched on some key points from OSU’s Saturday win over the Hoosiers.Meyer said he is “very pleased” to have another crack at the Big Ten title game this season.He said junior offensive lineman Taylor Decker, redshirt-sophomore offensive lineman Pat Elflein, senior wide receivers Evan Spencer and Devin Smith, and redshirt-junior wide receiver Corey Smith graded as champions on offense against Indiana.Sophomore running back Ezekiel Elliott and redshirt-freshman H-back Jalin Marshall were the players of the game on offense, Meyer said.Marshall was also the player of the game on special teams.Meyer said sophomore safety Vonn Bell, junior linebacker Joshua Perry, sophomore defensive lineman Joey Bosa, junior defensive lineman Adolphus Washington and freshman linebacker Raekwon McMillan were champions on defense.He said senior defensive lineman Michael Bennett was the defensive player of the game.Meyer on the Indiana game: “We put that one to bed rather quickly” with Michigan on the horizon.He said OSU-Michigan matchup is not like any other game. “That’s the way it is here, and that’s the way it should be.”“This is not another game, this is The Game,” Meyer said.“How to have fun is to sing the fight song in the locker room after a win against your rivals,” he said of the mindset he wants his players to have going into the game.Meyer said he likes to educate the players about the rivalry to make sure they understand the significance.He said “there are great players there,” in reference to Michigan.Meyer said he expects the Wolverines to raise their level of play against the Buckeyes: “Their personnel will play their very best against us.”He said Bennett has been “outstanding” for the last month.Meyer said it is “very important to be hitting your stride” at this point in the season.He called the Buckeyes the “most improved team out there.”Meyer said “motivation won’t be an issue” even though Michigan has a 5-6 record this season.When asked if he ever thought he would be recruited by OSU in high school, Meyer joked: “Of course I did, my mom told me I was a great player. Things didn’t work out. I was waiting for that letter, it never happened.”He stressed that having a chance to sing the fight song after a win is the way to have fun with a rivalry game.The Game is scheduled for Saturday at Ohio Stadium. Kickoff is set for noon.
Jack Wilshere revealed that Arsene Wenger’s departure from Arsenal in the summer led to his own exitThe 26-year-old midfielder signed for West Ham United on a three-year deal in July as a free agent after ending a 17-year association at Arsenal.Wilshere opted to leave the Emirates Stadium following talks with new manager Unai Emery over his role at the club.But Wilshere admits that Wenger would have convinced him to stay with the Gunners as the Frenchman would have ensured his place in the team.“If Arsene had stayed I would have stayed because of the influence he had in my career and the trust he had in me,” Wilshere told the Islington Gazette.Daniel Farke, From mid-table in the Championship to the Premier League Manuel R. Medina – September 14, 2019 Norwich City manager, Daniel Farke, has taken his team from the middle of the table in the English Championship to play with the big boys in the Premier League.“He gave me the armband and respected me a lot. So, I had pretty much agreed to stay. And then he left and that changed things.“Arsene had said to me previously ‘stay and fight your way back into the team’. Because I knew Arsene and knew he had trust in me, I knew I could do that and fight my way into the team.“I knew that if I got myself fit and was training well that Arsene would put me in – and he did.“But things were changing at the club and they were going into a new era and maybe it was time for me to leave as well.”Wilshere, who has made four Premier League starts for West Ham, is currently sidelined with an ankle injury.
The current year has proved to be a profitable one for investors applying for initial public offerings (IPOs) of companies, with six of the 10 listings delivering returns to investors upwards of 20 percent. In this context, it needs to be pointed out that two companies that recently closed their public offers â€” Quess Corp and Mahanagar Gas Limited â€” saw their issues oversubscribed, with Mahanagar listing at a 28 premium. Quess Corp, whose IPO was oversubscribed 144 times, will get listed shortly.The six companies that closed at a premium on Thursday to their issue price include Ujjivan Financial Services, Parag Milk Food, Equitas Holding, Thrycoare Technologies, Teamlease Services and Narayana Hrudayalaya.Ujjivan Financial ServicesShares of microfinance company Ujjivan Financial Services was the most profitable IPO for investors, delivering a return of almost 100 percent to its issue price of Rs. 210.On Friday, the Ujjivan stock was trading at Rs. 413.15 at around 3.15 p.m. on the BSE, a profit of . 97 percent to the issue price.The third-largest microfinance company had come up with an IPO comprising fresh issue of 1.7 crore shares and offer for sale of 2.5 crore shares by its existing shareholders in April-May. The issue was oversubscribed almost 40 times.Equitas HoldingsEquitas Holdings shares have also delivered good returns for investors. The diversified financial services company had issued its equity shares at Rs. 110, having come out with an IPO similar to that of Ujjivan Financial Services â€” fresh equity and offer for sale. The public offer was open between April 5 and 7 and the issue was oversubscribed 16 times.Shares of Equitas Holdings were trading at Rs. 181.05 on Friday on the BSE at around 3.15 p.m., a profit of 65 percent to its issue price.Teamlease ServicesThe staffing solutions company has also given good returns to investors who had applied for its IPO. The stock was trading at Rs. 1,109.50 on the BSE, up 30.47 percent from its issue price of Rs. 850. However, the stock listed below the issue price on its debut on Feb. 12 on the stock exchanges. The price band was fixed as Rs.785-850 by the company and the three-day public issue opened on Feb. 2, 2016.While Quess Corp is due for listing, L&T Infotech IPO opens on July 11. The company is offering 1.75 crore shares (offer for sale) in a price band of Rs. 705-710 per share.Another company that has plans to go public is PNB Housing Finance Limited, a subsidiary of Punjab National Bank.
Ricardo Coquet who was a prisoner in the Naval Mechanics School (known as the ESMA), visits a exhibition about human rights at the former ESMA navy school and detention centre of 1976 military coup in Buenos Aires, Argentina on 28 June 2018. Photo: ReutersShackled in a lightless attic, Ricardo Coquet drew strength from the sound of cheers coming from soccer fans at the 1978 World Cup, held just blocks from the detention centre where he was imprisoned by the country’s military dictatorship.Forty years later, and ahead of Argentina’s World Cup match with France on Saturday, Coquet and other former political prisoners inaugurated a new exhibit at the Buenos Aires ESMA museum on Thursday. Once a Naval academy, the building became a memorial after Argentina’s military junta used it as a clandestine torture site.“This is a sacred place,” Coquet said, tears welling in his eyes as he revisited the dingy attic. “When we were in here, we did not belong to the world of the living.”As many as 30,000 people were forcibly disappeared by the government between 1976 and 1983, according to Argentina’s National Commission on Disappeared Persons.Imprisoned for over two years, Coquet said he and other inmates were routinely tortured by military officers. He is missing three fingers, two of which he said were a result of his abuse.Coquet, now 65, is one of around 5,000 men, women and children who were held at the center. More than 600 such facilities were used in Argentina following the 1976 US-backed military coup that installed a series of right wing dictators, according to the exhibit’s organizers.“Life revolves around football in Argentina” Coquet said. “But who wins a match is less important than who wins an election.”On display at the exhibit are personal effects of the prisoners, including art etched into bottlecaps and handmade playing cards prisoners would use to pass the time.“Testimony is the most important thing we have,” Coquet said. “But the goal, always, is greater justice.”Argentina defeated the Netherlands 3-1 to win the 1978 World Cup. It had stayed alive in the tournament with a controversial 6-0 win over Peru – a match that Peruvian officials accused Argentina of fixing.
This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. (PhysOrg.com) — A group of physicists studying heavy-ion collisions at the Relativistic Heavy Ion Collider (RHIC), a large particle accelerator located on Long Island, New York, recently showed that the collisions can create acoustic shock waves — sonic booms. This new information could be used to learn even more about the intriguing state of matter produced during the collisions. Explore further The matter, known as a quark-gluon plasma, is produced because the collisions are so energetic and hot that the ions’ constituent particles, quarks and gluons — known collectively as partons — which are normally tightly bound together, “melt” into a fluid-like particle soup.”What does a quark gluon plasma sound like? We wanted to find out,” said Duke University physicist Bryon Neufeld to PhysOrg.com, the paper’s corresponding author. “Sound waves are commonly used as a probe of everyday matter. But sound may also be a useful tool for researching matter at temperatures many thousands of times hotter than the sun.”Our work addresses the question of sound from a different perspective: What is the sound generated by highly energetic particles moving through the quark-gluon plasma, and how can we use it to explore the properties of the plasma?”Neufeld co-authored the paper on this research, appearing in the October 13 edition of Physical Review C, with physicists Berndt Mueller (Duke University) and Jorg Ruppert (McGill University, Montreal, Canada and J. W. Goethe-Universitat, Frankfurt, Germany).The group was looking for evidence of a Mach cone — the cone-shaped shock wave caused by the pressure difference created when an object, like an airplane or particle, exceeds the speed of sound in that particular medium (the speed of sound is different in different media).Said Neufeld, “Highly energetic particles traveling faster than the speed of sound may produce characteristic sound patterns, such as Mach cones, which create distinctive experimental signatures. These experimental signatures can help determine certain characteristics of the medium they are traveling through, such as the speed of sound and viscosity.”After the heavy-ion beams collide (in this case the beams consisted of either gold or lead nuclei), some partons back-scatter into the plasma rather than out of it. The physicists modeled the case of a single parton moving through the plasma, depositing energy and momentum in its wake. They took that model and used it to solve the hydrodynamic equations of the plasma. The solutions show that, mathematically, if the parton is moving faster than the speed of sound in the plasma a Mach cone trails behind it.Citation: Phys. Rev. C 78, 041901 (2008)Copyright 2008 PhysOrg.com. All rights reserved. This material may not be published, broadcast, rewritten or redistributed in whole or part without the express written permission of PhysOrg.com. Citation: The Relativistic Heavy Ion Collider Makes Some Noise (2008, November 21) retrieved 18 August 2019 from https://phys.org/news/2008-11-relativistic-heavy-ion-collider-noise.html New tool predicts how electrical stimulation promotes healing An aerial view of the Relativistic Heavy Ion Collider (RHIC) at the Brookhaven National Laboratory in Upton, NY. Image: AIP
Journal information: Nano Letters This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. (Phys.org) — Fuel cells, which generate electricity from the chemical energy of a fuel such as hydrogen, are not intrinsically capable of storing energy. When a fuel cell’s hydrogen supply runs out or is temporarily interrupted, the cell’s power output quickly decreases to zero. If an application requires energy storage, then the fuel cell must be coupled to an external charge storage device, such as a battery, which increases the weight and volume of the system. But now researchers have designed a hydrogen fuel cell with a new anode that can supply electricity up to 14 times longer than conventional fuel cells, which could be particularly useful for mobile energy applications. New fuel cell keeps going after the hydrogen runs out Copyright 2012 Phys.org All rights reserved. This material may not be published, broadcast, rewritten or redistributed in whole or part without the express written permission of PhysOrg.com. Explore further (Left) Each dark speck within the nine white circles is a tiny fuel cell. An AA battery is shown for size comparison. Image credit: Caroline Perry, SEAS Communications (Right) One of the nine circles is magnified in this image, showing the wrinkled surface of the electrochemical membrane. Image credit: Quentin Van Overmeere For now, the researchers do not know exactly what allows the new fuel cell to run after its supply is cut off. They identified and tested three possible charge storage mechanisms, with the results showing that reversible oxidation of the anode contributed a portion of the observed charge, but did not account for all of it. The finding suggests that the power generation in the absence of fuel arises from multiple mechanisms.Although identifying the underlying mechanisms will require further research, the discovery that vanadium oxide anodes can store energy and deliver power when the fuel supply is depleted could be useful for developing future miniature power sources. Applications could include miniature autonomous systems, military technologies, and other devices that need to operate for short time periods.”Unmanned aerial vehicles, for instance, would really benefit from this,” said Van Overmeere. “When it’s impossible to refuel in the field, an extra boost of stored energy could extend the device’s lifespan significantly.” More information: Quentin Van Overmeere, Kian Kerman, and Shriram Ramanathan. “Energy Storage in Ultrathin Solid Oxide Fuel Cells.” Nano Letters. DOI: 10.1021/nl301601y The laboratory setup for testing solid-oxide fuel cells. Image credit: Caroline Perry, SEAS Communications Citation: Hydrogen fuel cells provide power when fuel supply is off (2012, July 11) retrieved 18 August 2019 from https://phys.org/news/2012-07-hydrogen-fuel-cells-power.html The researchers, Quentin Van Overmeere, Kian Kerman, and Shriram Ramanathan, at the Harvard School of Engineering and Applied Sciences in Cambridge, Massachusetts, have published their study on the energy-storing solid-oxide fuel cells (SOFCs) in a recent issue of Nano Letters.In their study, the researchers fabricated the solid-oxide fuel cell’s anode with either vanadium oxide or a combination of vanadium oxide and porous platinum. Vanadium is known for its tendency to change oxidation state, a process that involves the transfer of electrons. Since a key to enabling fuel cells to store charge is to use materials that can reversibly transfer electric charges, vanadium’s properties make it a good candidate for these technologies. “This thin-film SOFC takes advantage of recent advances in low-temperature operation to incorporate a new and more versatile material,” said Ramanathan. “Vanadium oxide at the anode behaves as a multifunctional material, allowing the fuel cell to both generate and store energy.”The researchers’ experiments showed that, after the hydrogen fuel supply is turned off, fuel cells with the vanadium oxide anode could generate power for more than 3 minutes, compared with about 10-15 seconds for fuel cells with porous platinum anodes. Both fuel cells produced a comparable amount of power, and the researchers expect that future improvements will further extend this time. With the ability to store electrochemical energy, the new device could be thought of as combining the characteristics of a fuel cell and a battery.
If you love apples, so also love the humble banana. Eating a banana daily is likely to boost eye health and prevent vision-related diseases, a study has found.Researchers have found that bananas have carotenoid – a compound that turns fruits and vegetables red, orange or yellow and are converted into vitamin A, important precursors for eye health — in the liver.According to previous research, foods containing high levels of carotenoids also protect against chronic diseases, including certain cancers, cardiovascular diseases and diabetes. Also Read – ‘Playing Jojo was emotionally exhausting’The study showed that banana rich in provitamin A carotenoids may offer a potential food source for alleviating vitamin A deficiency — important for sight.To combat vitamin A deficiency, researchers have been investigating methods to boost carotenoids in bananas. Cara L Mortimer and other researchers from Queensland University of Technology in Australia studied two banana varieties to find out why they make very different amounts of carotenoids. They found that the pale yellow, low-carotenoid cavendish variety produces more of an enzyme that breaks down carotenoids. In addition, another variety stashes its carotenoids in microscopic sacs during ripening, shifting the chemical equilibrium in the fruit so it can make even higher levels of these substances. The findings, published in ACS’ Journal of Agricultural and Food Chemistry, can someday help in the development of banana varieties with enhanced health benefits.Bananas are ideal food for young children and families for many regions of the world, because of their sweetness, texture, portion size, familiarity, availability, convenience, versatility and cost.
Share in Daily Dose, Data, Featured, News Brian Moynihan, Chairman and CEO, Bank of AmericaA number of factors are affecting the housing market. Despite these changes, one needs to keep perspective when analyzing this industry, according to Brian Moynihan, Chairman, and CEO of Bank of America, who recently spoke about the changes in mortgage interest caps and the macro factors affecting housing at CNBC’s Net/Net event in New York.Speaking about the changes to the cap in the mortgage interest that homeowners could write off, implemented in the Tax Cuts Act, Moynihan said that it was unchartered territory for many homeowners as well as financial institutions because the home mortgage interest deduction was “so jealously protected for so many years. And $10,000 is a pretty healthy amount of interest.”However, he said that these changes wouldn’t have a huge effect on homeowners because to qualify for that kind of cap on a mortgage, “a household’s probably got to have a $100,000 to $125,000 of income, a little bit more. So a couple hundred dollars a month isn’t going to make the decision different.” At the most, Moynihan said it would slow down a homeowner’s decision to upgrade. “But I think we’ve got to be careful about over-estimating across the 60 million households that have debt out of 130 million households in America.”Touching upon the high-interest rate environment and the health of the housing market, Moynihan said, “Housing is at tails,” as a number of factors were affecting the housing market, but they should be kept in perspective, especially since the rising rates will not change the market in any major way. “We still did, around, 10.5 billion of mortgage loans this quarter. Last year we probably did 13 billion,” Moynihan told the audience.Looking at the effect of population on housing, Moynihan said, “At the end of the day, without population growth that we had in the mid-2000s at 1.5 percent the demand for housing is going to sort of ebb and flow a little differently.”Looking at the larger market, Moynihan said that housing construction was growing evenly because of locational problems. “It’s really tight in cities like Charlotte where we’re trying to build tens of thousands of units for workers because we’re short. In other places, there’s an excess of supply,” especially in cities that are still recovering from the Great Recession. Despite rising home prices and inventory remaining down, for the most part, Moynihan said that they were fine for now. “But we got to watch it because it’ll be a leading indicator of people’s belief in their wealth if we see housing prices tip over,” he said. October 17, 2018 683 Views BofA CEO Moynihan Speaks on Housing Trends Bank of America homeowners HOUSING mortgage Supply 2018-10-17 Radhika Ojha