African Sun Limited 2002 Annual Report

first_imgAfrican Sun Limited (ASUN.zw) listed on the Zimbabwe Stock Exchange under the Tourism sector has released it’s 2002 annual report.For more information about African Sun Limited (ASUN.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the African Sun Limited (ASUN.zw) company page on AfricanFinancials.Document: African Sun Limited (ASUN.zw)  2002 annual report.Company ProfileAfrican Sun Limited is a hospitality management company that is involved in the running of hotels, resorts, casinos and timeshare operations in Zimbabwe and South Africa. It operates through four divisions; Hotels Under Management, Hotels Under Franchise, Owner-managed Hotels and the Victoria Falls Hotel Partnership. Established in 1968 as Zimbabwe Sun Limited, the company has grown in stature to include Legacy Hospitality Management Services Limited which manages five hotels, and the InterContinental Hotels Group. Prestigious hotel brands in African Sun Limited’s expansive portfolio include The Victoria Falls Hotel, Holiday Inn, Great Zimbabwe Hotel and The Caribbea Bay Resort. African Sun Limited is a constituent of the Zimbabwe Industrial Index. African Sun Limited is listed on the Zimbabwe Stock Exchangelast_img read more

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BK Group Plc (BOK.rw) 2020 Presentation

first_imgBK Group Plc (BOK.rw) listed on the Rwanda Stock Exchange under the Banking sector has released it’s 2020 presentation For more information about BK Group Plc reports, abridged reports, interim earnings results and earnings presentations visit the BK Group Plc company page on AfricanFinancials.BK Group Plc Presentation DocumentCompany ProfileBK Group Plc formerly (Bank of Kigali Limited) is Rwanda’s largest commercial bank by assets and licensed by the country’s banking regulator, National Bank of Rwanda. It offers a full spectrum of products and services for retail banking, corporate banking and central treasury. Bank of Kigali SA commenced operations in 1967; initially as a joint venture between the government of Rwanda and Belgolaise, with each owning 50% of the ordinary share capital. In 2007, the government of Rwanda acquired the Belgolaise shareholding which increased its direct and indirect shareholding in the Bank of Kigali to 100% of the entire Issued Shares. The Bank changed its name to Bank of Kigali Limited in 2011 under a new law relating to companies. Bank of Kigali Limited now has 79 branches located in the main towns and cities of Rwanda with its head office in the capital city, Kigali. BK Group Plc has a primary listing on the Rwanda Stock Exchange and a secondary listing on the Nairobi Securities Exchangelast_img read more

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The FTSE 100 just had its 2nd-best April for a decade. Here’s what I’d do now

first_imgFTSE 100End MarchEnd AprilChange% Alan Oscroft | Friday, 1st May, 2020 See all posts by Alan Oscroft It looked like the FTSE 100 was going to end April back above the 6,000 point level. But hopes were dashed by a 200 point loss on Thursday. The index still ended the month at 5,901 points, up 229 points on the month for a gain of 4%.It was the FTSE 100’s second-best April in the past decade, beaten only by April 2018. That year, the UK’s top index put on a massive 452 points to reach 7,509 in the month. That’s a gain of 6.4%, a typical year’s worth of growth.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Here’s what the top five of the past 10 Aprils looked like: “This Stock Could Be Like Buying Amazon in 1997” I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. The FTSE 100 just had its 2nd-best April for a decade. Here’s what I’d do now So, at the end of March 2020, the Covid-19 pandemic caused lockdown, and businesses worldwide faced disruption. A great time to avoid the stock market, right? Clearly not, it turns out. If you’d plonked down some cash on the FTSE 100, a month later you’d be sitting on a nice gain.Unpredictable FTSE 100In March, a month in which the FTSE 100 dipped as low as 4,899 points, I really was expecting further carnage to come. So I’m pleasantly surprised. And it does show that trying to predict where the stock market is going to go in the short term is a mug’s game.Plenty of people do gamble on the FTSE 100, and on individual shares, taking bets on short-term movements. I know that’s rarely a winning game, but I was surprised to read this week that around 75% of all such bets lose money. It’s probably better than the horses, but that’s the only positive thing I can think to say about it.But back to April. It might have been the second-best April for the FTSE 100 in a decade, but the index recorded its lowest end-of-April level since 2012. That year, the month ended at 5,738 points, the only other April in the decade that finished below 6,000.Only twice in the past decade has the FTSE 100 lost ground in April, with a 1.6% fall in 2017 and a 0.5% dip in 2012.Time to sell?What should we do now? Avoid the FTSE 100 now the ‘Sell in May‘ thought is upon us? Well, if you’re going to choose any time to sell, the end of April might indeed be the best. According to analysis by Money Observer, since 1970, April has been the best month for UK shares. At the time of the study, the FTSE All-Share index had averaged 2.6% in gains each April over nearly 50 years, though that’s dipped to 2% since 2000.April 2020 seems to have continued that tradition, but I think there are several good reasons to avoid selling now.Once you consider the costs of selling at the end of April and buying back some time later, together with any tax liabilities you might crystalise, I just don’t see the point. April is volatile too, so that adds extra risk. The likelihood of happening to hit enough years when it’s sufficiently profitable to make it worthwhile seems too low to me.And do you really want to be selling at the lowest end-of-April level for the FTSE 100 for the past eight years? I’d just keep investing regularly, every month, regardless of historical statistics. Keep doing that for decades, and I reckon you’ll be heading for a financially sound retirement. 20205,6725,901+229+4.0% I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. 20187,0577,509+452+6.4% Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! 20156,7736,961+188+2.8% Enter Your Email Address Our 6 ‘Best Buys Now’ Shares Views expressed in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Image source: Getty Images. Simply click below to discover how you can take advantage of this. 20146,5986,780+182+2.8% 20115,9096,070+161+2.7%last_img read more

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Villiot-Rapée Apartments / HAMONIC + MASSON

first_img “COPY” Save this picture!© Grazia+ 50 Share Projects Villiot-Rapée Apartments / HAMONIC + MASSON Architects: Hamonic + Masson & Associés Area Area of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/175882/villiot-rapee-apartments-hamonic-masson Clipboard France ArchDaily “COPY” Area:  5120 m² Year Completion year of this architecture project Photographs:  Grazia, DelangleText description provided by the architects. A couple of stone’s throws away from the Gare de Lyon in Paris, whose business district was designed in the 1960s and 1970s by the architect Louis Arretche, lies the Villiot-Rappée block, which is directly connected to the Seine and predominantly residential. Over the last 10 years it has been the subject of a programme of demolition and reconstruction orchestrated by Paris-Habitat OPH. Hamonic + Masson’s project is tucked away in the middle of this block and invisible from rue Villiot apart from through an entrance pierced through the built-up façade of seven-story blocks of flats. It is hidden from rue Van Gogh by gigantic screens of offices and can only be glimpsed from Quai de la Rapée through the occasional break in the row of recent housing developments.The buildings on the fringes of the plot rise densely into the sky. The plot is an enclave, with all the advantages that such a position affords: supposed protection from the hubbub of the city, very few cars, the homely character of a site in a clearing, as well as the ground-level space around the plot which opens it up to the sky and floods it with light. Save this picture!© GraziaRecommended ProductsFiber Cements / CementsULMA Architectural SolutionsPaper Facade Panel in Leioa School RestorationMetallicsSculptformClick-on Battens in Ivanhoe ApartmentsDoorsVEKADoors – VEKAMOTION 82Fiber Cements / CementsDuctal®Ductal® Cladding Panels (EU)A Breath of Fresh Air The project embraces new concepts of living together primarily based on generous outdoor spaces, both private (balconies) and communal (floor area), as well as on an extrapolation of the advantages of detached houses, which have now disappeared forever from Paris – having one’s own floor space and thus being rooted in the soil.The starting point of the project, the ground, accompanies and moulds itself to the natural level, twists and transforms itself, hosts different disciplines, guides and accompanies residents, visitors and passers-by – and makes it into a home. Each level and each flat has a different floor lending itself to different practices and uses. Rather than being like a balcony, a loggia (or a terrace), which can be seen and used on a daily basis, winds its way around the outside of the flats and gives residents the feeling that they live outdoors. This “poured garden” creates close ties to the building’s external environment. Save this picture!© DelangleTwo Hybrids The project involves two blocks of flats, one of 11 stories above the ground floor and the other of 8 stories above ground floor. They stand out not only because of their height but also because of their movement, one being a hybrid of the other and their proximity creating the impression of shifting morphology. They are connected by their moving relationship to the ground. Eyes Wide Shut The two blocks of flats have 360° views, like watchtowers, even though the crowded horizon prevents them from being open to the four winds. The realistic approach to these surroundings gives a different feel to everything. The internal space at each level of the two towers, measuring 16 m by 17 m, is well designed and structured as an open space around a central core housing the stairs and lifts, but instead of the expected openings and the hoped-for transparency, there is a game of mirrors. These high-rise flats do not have a sweeping view of the horizon but rather eyes that are half-open and directed towards the centre of the island. Save this picture!Courtesy of Hamonic + MassonClimate planning and sound-proofing have also left their mark… and permitted a system of “truly outdoor spaces” that are therefore independent of the internal floor-plan, creating a stack of more or less closed terraces and more or less open loggias wrapped around the four sides of each tower like a “serpentine”. One can stroll around a flat, walk out of the bedroom and into the living room; there are many paths to choose from and many surprises in store. But the main thing is that no one can see their downstairs neighbor, and the flats opposite are occluded by screen walls and balustrades. Save this picture!Courtesy of Hamonic + MassonInside, the flats are arranged around a central structural core that houses the flows, stairs and lifts. Each landing serves three to four flats. Only these cores and the façades are weight-bearing, which means that the decks can be opened up and the floor-plan reversed. Flats today, but tomorrow? The silver-colored gangway ceilings underscore the difference between inside and outside. The loggias in the covered ribbons are clad in aluminium and the balcony areas in stainless steel. Then, a system of aluminium screen walls, colored glass, stainless steel lists and mirror sheets, stacked up on top of each other, story on story, contribute to deconstructing the façades and to mix up inside and outside, giving our two towers a Parisian caravanserai look.Save this picture!© DelangleProject gallerySee allShow lessPrivate Brewery / FORMA Architectural StudioArticlesPFFF Inflatable Architecture CompetitionArticlesProject locationAddress:Paris, FranceLocation to be used only as a reference. It could indicate city/country but not exact address. Share Photographs Year:  Apartments CopyApartments•Paris, France Villiot-Rapée Apartments / HAMONIC + MASSONSave this projectSaveVilliot-Rapée Apartments / HAMONIC + MASSON ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/175882/villiot-rapee-apartments-hamonic-masson Clipboard CopyAbout this officeHamonic + Masson & AssociésOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsParisResidentialHousingFrancePublished on October 17, 2011Cite: “Villiot-Rapée Apartments / HAMONIC + MASSON” 17 Oct 2011. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogShowerhansgroheShowers – RainfinityVinyl Walls3MArchitectural Finishes DI-NOC in Ned Ludd Public HousePartitionsSkyfoldMarkerboard Finish for Folding WallsBedroom furnitureFlexformMirror – EgonWaterproofing/SealantsEffisusPre-Fab System – Ecofacade Pre-fab TrueSealConcreteKrytonConcrete Hardening – Hard-CemSkylightsVELUX CommercialAtrium Longlight Skylights in ExperimentariumBlinds / Mosquito Nets / CurtainsBANDALUXRoller Shades – Arion Large SizedWoodStructureCraftEngineering – Mass TimberTiles / Mosaic / GresiteTerrealSunscreen – Terracotta BaguettesWoodHESS TIMBERTimber – GLT BauBucheLightingLumenpulseLED Projector Lumenbeam GrandeMore products »Read commentsSave世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream 2011last_img read more

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Indonesian reporters deliberately attacked in post-election rioting

first_imgJokowi’s election as president in 2014 initially raised many hopes but, at the end of his first year in office, RSF said he had failed to keep his promises as regards freedom of the press. Disappointing first term IndonesiaAsia – Pacific Condemning abusesProtecting journalists Violence November 19, 2020 Find out more Organisation RSF_en “Allowing reporters to cover these events freely is the best way to enable the public to keep abreast of this conflict and not depend on rumours at this crucial moment for Indonesia democracy. Investigations must be carried out to identify and punish those responsible for the violence against reporters. And in his second term, President Jokowi must finally keep the promises he gave to defend press freedom.” Seven attacks on journalists have already been registered during last night’s clashes alone. Many reporters were deliberately targeted while covering the rioting in the centre of Jakarta, in which at least seven people were killed. The Alliance of Independent Journalists (AJI) thinks the toll of injured journalists will almost certainly rise as it continues to interview media personnel. Follow the news on Indonesia Reporters Without Borders (RSF) calls on protesters and riot police who have been clashing for the past two days in the Indonesian capital, Jakarta, to respect the work of journalists. RSF also urges the Indonesian authorities to quickly investigate the press freedom violations that have taken place during this post-election rioting. News Receive email alerts News to go further August 12, 2020 Find out more Red alert for green journalism – 10 environmental reporters killed in five years The rioting began near the electoral commission’s headquarters on the evening of 21 May shortly after the commission confirmed President Joko “Jokowi” Widodo’s reelection victory. It was disputed by the supporters of the challenger, Prabowo Subianto, and the ensuing clashes with the police quickly escalated and became extremely violent. The journalists injured last night included CNN Indonesia reporter Budi Tanjung and his cameraman, identified only as Ryan, who were beaten over the head by police although they had clearly presented themselves as journalists. The police forced Tanjung to delete the videos he had recorded on his mobile phone and forced Ryan to delete all the footage he had shot with his camera. News At the same time, the AJI reports that the authorities temporarily blocked access to the social network platforms WhatsApp and Facebook, and slowed the speed of Internet connections. WhatsApp was intermittently available again this morning. May 23, 2019 Indonesian reporters deliberately attacked in post-election rioting August 21, 2020 Find out more Indonesian anti-riot police shoot tear gas to disperse protesters during a demonstration against President Jokowi’s victory in the recent election in Jakarta on May 22, 2019. At least seven journalists were wounded as Indonesia’s capital erupted in violence on May 22 when police clashed with protesters opposed to the re-election of President Jokowi (photo : Bay Ismoyo / AFP). “We call on all the protagonists, both protesters and police, to respect the work of the media by ending all acts of violence and intimidation against journalists,” said Daniel Bastard, the head of RSF’s Asia-Pacific desk. Indonesia is ranked 124th out of 180 countries in RSF’s 2019 World Press Freedom Index. Help by sharing this information IndonesiaAsia – Pacific Condemning abusesProtecting journalists Violence On eve of the G20 Riyadh summit, RSF calls for public support to secure the release of jailed journalists in Saudi Arabia News Melanesia: Facebook algorithms censor article about press freedom in West Papua According to the AJI’s initial information, another journalist identified only as Ryan who works for MNC Media was injured in an as yet unclear attack, as were a journalist with Radio Sindo Trijaya identified only as Fajar, Alinea.id news website reporter Fadli Mubarok, and two RTV journalists, reporter Intan Bedisa and cameraman Rahajeng Mutiara.last_img read more

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U.S. News and World Report Ranks Huntington Memorial Hospital Among Top Ten Hospitals in Los Angeles

first_imgcenter column 1 U.S. News and World Report Ranks Huntington Memorial Hospital Among Top Ten Hospitals in Los Angeles From STAFF REPORTS Published on Wednesday, July 22, 2015 | 11:22 am First Heatwave Expected Next Week Make a comment HerbeautyIs It Bad To Give Your Boyfriend An Ultimatum?HerbeautyHerbeautyHerbeautyShort On Time? 10-Minute Workouts Are Just What You NeedHerbeautyHerbeautyHerbeauty6 Signs You’re Not Ready To Be In A RelationshipHerbeautyHerbeautyHerbeautyHere Is What Scientists Say Will Happen When You Eat AvocadosHerbeautyHerbeautyHerbeauty12 Most Breathtaking Trends In Fashion HistoryHerbeautyHerbeautyHerbeauty7 Reasons Why The Lost Kilos Are Regained AgainHerbeautyHerbeauty Name (required)  Mail (required) (not be published)  Website  Huntington Memorial Hospital has again been ranked among the top hospitals in the region by U.S. News & World Report. The annual U.S. News Best Hospital rankings, now in its 26th year, recognize hospitals that excel in treating patients who need an especially high level of care. Huntington Hospital was named one of the “Best Hospitals” overall in California and one of the ten best hospitals in the greater Los Angeles area.“Being ranked as one of the top ten Best Hospitals in Los Angeles is a testament to the outstanding care our staff gives patients every single day,” said Stephen A. Ralph, CEO of Huntington Hospital.In addition to the regional rankings, Huntington Hospital was noted as “high performing” in nine specialties including diabetes and endocrinology, gastroenterology and GI surgery, geriatrics, gynecology, nephrology, neurology and neurosurgery, orthopedics, pulmonology and urology.“This recognition is the direct result of our dedication to quality and the patient experience,” said Paula Verrette, MD, chief medical officer and senior vice president, quality and physician services. “In addition, our recently launched OB Hospitalist and Intensivist Programs are other strong examples of our ongoing commitment to providing the highest level of care and ensuring the best possible outcomes for our patients. This recognition was earned by Huntington Hospital’s doctors, nurses and staff – and we are so proud of them.”For 2015-16, U.S. News evaluated hospitals in 16 adult specialties and ranked the top 50 in most of the specialties. Less than 3 percent of the nearly 5,000 hospitals that were analyzed for Best Hospitals 2015-16 were nationally ranked in even one specialty.“A Best Hospital has demonstrated expertise in treating the most challenging patients,” said Ben Harder, chief of health analysis at U.S. News. “A hospital that emerged from our analysis as one of the best has much to be proud of.”In rankings by state and metro area, U.S. News recognized hospitals that perform nearly at the level of their nationally ranked peers in one or more specialties, as well as hospitals that excel in multiple common procedures and conditions.U.S. News publishes Best Hospitals to help guide patients who need a high level of care because they face particularly difficult surgery, a challenging condition or extra risk because of age or multiple health problems. Objective measures such as patient survival and safety data, adequacy of nurse staffing and other data largely determined the rankings in most specialties.The specialty rankings and data were produced for U.S. News by RTI International, a leading research organization based in Research Triangle Park, N.C. U.S. News used the same data, as well as the new Best Hospitals for Common Care ratings, first published in May, to produce the state and metro rankings.The rankings are freely available at http://health.usnews.com/best-hospitals and will appear in the U.S. News “Best Hospitals 2016” guidebook, available in August from the U.S. News Store.About Huntington HospitalHuntington Hospital, www.HuntingtonHospital.com, is a 625-bed not-for-profit hospital located in Pasadena, California. It has been ranked nationally by U.S. News and World Report in two specialties and was named among the top hospitals in California. The hospital is on Facebook at www.Facebook.com/HuntingtonMemorialHospital and on Twitter at @HuntingtonNews. Your email address will not be published. Required fields are marked * Top of the News Subscribe Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimescenter_img Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Community News Business News 9 recommended0 commentsShareShareTweetSharePin it Community News More Cool Stuff EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadenalast_img read more

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HSBC Head of Mortgage Raman Muralidharan Talks Reevaluation

first_imgFor people who want a different treatment, like maybe extending the missed payments out, as a balloon, to the end of the loan, that’s available. That’s available in a very streamlined way, with very limited or no documentation.There are other modification treatments like term extension, principle reduction, interest rate reduction, which all can be discussed on a case-by-case basis. And, again, our ability as a portfolio lender, who keeps our loans on our balance sheets, it just gives us a lot more flexibility to work with borrowers and find a way to always keep them in their home and do what’s right for them. Sign up for DS News Daily About Author: Mike Albanese The Week Ahead: Nearing the Forbearance Exit 2 days ago August 12, 2020 1,796 Views HSBC Head of Mortgage Raman Muralidharan Talks Reevaluation in Daily Dose, Featured, News, Print Features Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago As the head of mortgage, he’s responsible for the entire mortgage profit and loss, including sales, underwriting, fulfillment, servicing, and collections. At HSBC, he was previously the Head of Customer Value Management, Head of Intelligence and Chief Marketing Officer and Consumer in Mortgage Lending.Muralidharan spoke with DS News on how mortgage originators may reevaluate business operations. And how servicers can assist homeowners leaving forbearance plans.What can mortgage servicers do to assist homeowners exiting forbearance plans?We had numerous customers who called and asked for forbearance and we had a little bit of head start in helping them in the sense that us, like many others in the industry, already had forbearance programs in place, which we’d used before for natural disasters. We were able to take those programs, adapt them to the requirements of the CARES Act, and other things that are COVID specific, and really begin to use them. Working with our sub-servicer, we were able to field all customer calls, inquiries, whether they came in via mail, via call, digitally via the web, and we were able to make it easy for our customers to contact us and request forbearance. Customers who requested forbearance got it with no questions asked. Subscribe Home / Daily Dose / HSBC Head of Mortgage Raman Muralidharan Talks Reevaluation Tagged with: HSBC Raman Muralidharan Previous: Preparing for the End of Forbearance Next: RealtyTrac Names Rick Sharga EVP of Marketing The Best Markets For Residential Property Investors 2 days ago Mike Albanese is a reporter for DS News and MReport. He is a University of Alabama graduate with a degree in journalism and a minor in communications. He has worked for publications—both print and online—covering numerous beats. A Connecticut native, Albanese currently resides in Lewisville.  Print This Post Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago How could COVID-19 cause mortgage originators to reevaluate business operations?We’ve been facing some unique challenges across the mortgage industry. As interest rates have come down, a lot of customers have looked to the industry to help us help them in this time, and lower payments by refinancing their mortgage. We’ve had a lot of volume but a lot of the things we do to serve that volume have gotten more complicated during the lockdown. It’s been harder to do appraisals. County offices have closed. Title searches have become more difficult. So, we’re trying to deal with both record volumes and difficulties in operations. A lot of us are working from home. So how do we make all that work? Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Editor’s note: This piece originally appeared in the August 2020 edition of DS News, now available.Raman Muralidharan, EVP and Head of Mortgage, HSBC has been with the bank for more than 16 years, has been Head of Mortgage for the past five years. HSBC Raman Muralidharan 2020-08-12 Mike Albanese Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Our average answer times were within 10 to 20 seconds. Our abandonment rateswere two to 3%, so we did a lot better than the rest of our industry in helping people request forbearance, and we continue to do that. Now that we have the first set of people who request forbearance in March, coming to a 90-day point, where we’re checking in with them and seeing what next? We’re contacting these customers and having conversations with every one of them to figure out what is the best option for the customer. We work through this one customer at a time making sure that we’re offering the customer all the options that are appropriate for them.With some customers, it’s very appropriate to come out of forbearance and resume making payments. About 31% of our customers, who are on forbearance, have already been making, at least, one payment through the forbearance period. Many of them maybe ready to come out of forbearance and catch up. And that’s great, we’ll help them do that. For those who want to catch up, but do that over a period of a few months, say six to 12 months, over a repayment plan, that lets them do so.For others, people who want to extend their forbearance, the CARES Act allows you to extend your forbearance for a full year, and we’ll make that option available. Related Articles We needed to adapt and at HSBC, we’ve been able to do that very well. A lot of things have helped us. First, we’re largely a portfolio lender, which means we keep the loans we make, for the most part, on our balance sheet. And then we service them ourselves. We have a lot of flexibility in deciding how we originate and how we continue to serve our customers well through difficult times. We have flexibility on where we could, for example, use an alternative appraisal method—like a desktop appraisal. That has really helped us in being able to keep more of our loans on our books, and be more flexible, and be more nimble go forward.We’ve also had a focus on international mortgages, and we work with borrowers from all over the world. We’ve always been prepared, and had the infrastructure in place, to work with borrowers remotely, people who can’t meet with us face-to-face. All of that work, which we’ve done in building up our digital infrastructure, and letting borrowers interact with us digitally through a point of sales system, the one we have is Roostify, and through automated underwriting, et cetera, has really helped us transition very seamlessly into a remote work, work from home, environment.I think that has all helped us really deal with record volumes. I’m really pleased to say that, not only have we had record origination volumes through the past few months, we’ve also delivered a great customer experience. Our net promoter score, which is the method by which we measure customer experience, is at all time high levels. It’s over 60 for the month of May, and anything over 60 is considered world class. In June our NPS increased further to 70. The mortgage industry average is about a 38, so this has worked well for us, and I’m glad we’ve been able to help our customers at a time where they really needed help in lowering their payments.last_img read more

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Letterkenny and Buncrana Town Councils budget meetings this evening

first_img Letterkenny and Buncrana Town Councils budget meetings this evening News Main Evening News, Sport and Obituaries Tuesday May 25th Previous articleBishop Ken Good calls on people to perform “random acts of kindness”Next articleHit-and-run victims parents appeal for increase in drink driving sentences News Highland Facebook 365 additional cases of Covid-19 in Republic Google+ Man arrested on suspicion of drugs and criminal property offences in Derry Letterkenny and Buncrana Town Councils both hold their budget meetings this evening, with members in Letterkenny seeking at least a 3% reduction in the commercial rate. It’s expected the status quo will be proposed in Buncrana, but members may seek a slight reduction.After Donegal County Council passed its budget with a 3.5% rates decrease this week, councillors in both Letterkenny and Buncrana will be hoping for reductions locally.Letterkenny Town Council has already passed a motion calling for a 3% reduction. That proposal from Cllr Dessie Larkin was opposed by the majority grouping on council, but passed on the casting vote of Fianna Fail Mayor Tadhg Culbert in October.The fact that a 15% reduction had been expected in funding from central government, whereas the actual reduction to the county council was 6% turned out to be hugely significant, and that may prove to be the case again.Members in Buncrana have been expecting a proposal from management to freeze commercial rates, and are likely to seek a slight reduction this evening. However, one senior member told Highland Radio News they are conscious of the fact that Buncrana has one of the lowest rates in the country, and members will not do anything to jeapordise what are signs of growth in the town at present. A balancing act will have top be performed, he predicted. Both councils are hopingg to adopt their budgets at the first time of asking, whether that will be achieved remains to be seen. 75 positive cases of Covid confirmed in North Pinterest Twittercenter_img By News Highland – December 22, 2010 WhatsApp Twitter RELATED ARTICLESMORE FROM AUTHOR WhatsApp Google+ Gardai continue to investigate Kilmacrennan fire Facebook Pinterest Further drop in people receiving PUP in Donegal last_img read more

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Clio parade set for Saturday

first_img Sponsored Content The Town of Clio will host its 2016 Christmas Parade at 5:30 p.m. Saturday in downtown Clio. Everyone is invited to this special Christmas event. Email the author You Might Like Trio of parades ushers in the Christmas season Pike County ushers in the Christmas season in a grand way each year with three countywide parades. The Christmas parades… read more Clio parade set for Saturday Walking participants, floats and other motorized units are to lineup on Louisville Street by 4:30 p.m. The Christmas Parade will proceed south on Louisville Street and turn west on Brundidge Street at the traffic light and end at the park.“Everyone is encouraged to bring their blankets and portable chairs for additional activities following the Christmas Parade at the David S. Grice Memorial Park,” said Kenneth Williams, parade committee member. “We’ll have caroling and the Lighting of the Clio Christmas Tree. Everyone will be invited to make s’mores by the campfire. Foods and drinks will be available at the park.”The word from the North Pole is that Santa Claus will make a special visit to be a part of the parade and to hear the Christmas wishes of all the children. “We invite everyone to join the family friendly Christmas events in Clio on Saturday,” Williams said. Skip By Jaine Treadwell Latest Stories Published 3:00 am Thursday, December 1, 2016 Print Article By The Penny Hoarder The Penny Hoarder Issues “Urgent” Alert: 6 Companies… Plans underway for historic Pike County celebration Pike County Sheriff’s Office offering community child ID kits Troy falls to No. 13 Clemson Book Nook to reopen Remember America’s heroes on Memorial Day Around the WebIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingMd: Do This Immediately if You Have Diabetes (Watch)Blood Sugar BlasterHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential HealthRemember Them? I’m Sure Their New Net Worth Will Leave You SpeechlessbradofoThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancellast_img read more

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2 dead, several injured as car hits pedestrians in New Orleans while city celebrates Mardi Gras: Police

first_imgOrleans Parish Sheriff’s Office(NEW ORLEANS) — Two people are dead and several others were injured after a car allegedly crashed into a number of bicyclists and pedestrians in New Orleans — about two miles away from the Mardi Gras festivities, police said.The New Orleans Police Department said it has a suspect involved with the crash in custody. The driver is undergoing standard testing, but police said they believe the driver was intoxicated.Tashonty Toney, 32, has been charged with two counts of vehicular homicide, seven counts of vehicular negligent injury, hit and run and reckless operation.Police held a press conference late Saturday and said eight people were struck in total, including two dead on scene and five who were transported to the hospital. Three of those transported are in critical condition, police said. One person refused transport to the hospital.A man and woman, both around 30 years old, were killed, according to The Associated Press.The accident happened on the 3200 block of Esplanade Avenue, a couple miles northwest of the French Quarter. It does not appear to have any connection to the festivities.Police said they already have footage of the incident from three different surveillance cameras.The driver struck people over a course of three blocks.“Initial reports show two victims were struck by a vehicle at the location. The victims were pronounced dead on scene by EMS,” the New Orleans Police Department tweeted.The incident happened in the Bayou St. John neighborhood as revelers began celebrating Carnival a short distance away on Bourbon Street. The celebrations are picking up in advance of Fat Tuesday, which closes out the celebrations this week.Copyright © 2019, ABC Radio. All rights reserved.last_img read more

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