Fidelity Bank Plc ( 2003 Annual Report

first_imgFidelity Bank Plc ( listed on the Nigerian Stock Exchange under the Banking sector has released it’s 2003 annual report.For more information about Fidelity Bank Plc ( reports, abridged reports, interim earnings results and earnings presentations, visit the Fidelity Bank Plc ( company page on AfricanFinancials.Document: Fidelity Bank Plc (  2003 annual report.Company ProfileFidelity Bank Plc is a financial services institution in Nigeria offering banking products and services for the individual, commercial and corporate sectors. Its extensive full-service personal and business offering ranges from transactional accounts, online banking, loans and term deposits to money market, treasury services loans and advances, commercial support overdrafts, equipment leasing finance and trade, working capital, project, asset and syndicate finance. Fidelity Bank Plc operates through 225 business offices, 730 ATMs and 3 853 point-of-sale channels. Founded in 18=987 and formerly known as Fidelity Union Merchant Bank, the company changed its name to Fidelity Bank Plc in 1999. Its head office is in Lagos, Nigeria. Fidelity Bank Plc is listed on the Nigerian Stock Exchangelast_img read more

Morning Light Co Ltd ( Q12019 Interim Report

first_imgMorning Light Co Ltd ( listed on the Stock Exchange of Mauritius under the Tourism sector has released it’s 2019 interim results for the first quarter.For more information about Morning Light Co Ltd ( reports, abridged reports, interim earnings results and earnings presentations, visit the Morning Light Co Ltd ( company page on AfricanFinancials.Document: Morning Light Co Ltd (  2019 interim results for the first quarter.Company ProfileMorning Light Co. Limited engages in the tourism and leisure industry. Morning Light Co. Limited is headquartered in Beau Bassin, Mauritius and owns a resort hotel under the Hilton Mauritius Resort & Spa name. Morning Light Co. Limited is listed on the Stock Exchange of Mauritius.last_img read more

World Cup 2015: Time for a France revolution?

first_imgLATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Why France need a change in style to beat New Zealand The short-term challenge is New Zealand, and whether France can conjure another World Cup miracle. They certainly won’t do it by defence alone. Faced with such a seemingly hopeless situation, the French would do well to remember the words of one of their First World War field marshals, Ferdinand Foch: “My centre is giving way, my right is in retreat; situation excellent. I shall attack.”For the latest Rugby World subscription offers, click here. The front page of Tuesday’s L’Equipe was a call to arms. After Sunday’s dismal defeat by Ireland, the French sports daily urged the France players to “revolt” against their coaches, to rise up against the troika of Philippe Saint-André, Patrice Lagisquet and Yannick Bru, and take matters into their own hands ahead of the quarter-final clash with New Zealand.As one would expect L’Equipe evoked the past in its sedition, drawing on France’s famous victories over the All Blacks in 1999 and 2007. Such comparisons are tenuous. In neither World Cup campaign were France so sterile as they have been in the 2015 tournament.If France are to look to any World Cup for inspiration it’s 2011, a tournament in which they were beaten 8-7 by New Zealand in the final. The fact they got that far was remarkable in itself given the chaos that reigned in the pool stages. Thrashed 37-17 by New Zealand, France then lost to Tonga 19-14 and made it through to the quarter-finals only because they were in such a weak pool.Coach Marc Lievremont had been at war with his squad since the previous March when he accused them of ‘cowardice’ following their Six Nations defeat by Italy. The relationship was never repaired and as No 8 Imanol Harinordoquy subsequently admitted: “After the defeat against Tonga I did not attach too much importance to what Marc said… we had to free ourselves from his supervision.”Harinordoquy, who also claimed that he felt Lievremont as a coach “was lost”, was one of a number of strong characters in that French squad, along with the likes of Aurelien Rougerie, William Servat, Julien Bonnaire and Vincent Clerc.Rising up: Imanol Harinordoquy wins a high ball in the RWC 2011 final. Photo: Getty ImagesNot only were they prepared to stand up to a coach they thought had lost the plot, they also had the wherewithal to coach themselves. England did something similar in 2007, when a cabal of senior players, including Mike Catt and Lawrence Dallaglio, allegedly took over from Brian Ashton during the pool stages and guided the team to the final.In both cases the players who took the initiative were very much products of rugby’s amateur era. Players such as Dallaglio, Catt, Bonnaire and Harinordoquy were rounded men, individuals with their own opinions who weren’t afraid to voice them. Not for them the pampered, politically-correct environment of today’s top international teams where players can be fined five-figure sums for going off-message on social media and their coaches drone on daily about ‘culture’ and ‘values’.France need some strong men to stand up this week and challenge PSA’s belief that defence and ‘combat’ are enough to win Test matches. In his four years in charge France have finished no higher than fourth in the Six Nations, and suffered series whitewashes in New Zealand and Australia.center_img In a hole: France looked bereft of ideas against Ireland. Photo: Getty Images So who might the leaders be in any challenge to PSA’s authority? A photograph published in Monday’s Midi Olympique showed Yoann Maestri barging past Saint-André as he left the pitch on Sunday. An accidental collision, wondered the paper, or the deliberate act of a man who no longer has any respect for his coach? The giant Toulouse second-row commands respect within the squad and is one of the players named by L’Equipe as possessing the presence to instigate a revolt. Other players cited by L’Equipe are Yannick Nyanga, Pascal Papé and Nicolas Mas.On the ball: Is Yoann Maestri the man to inspire change in French tactics? Photo: Getty ImagesBut would they take with them the captain? Thierry Dusautoir, who has now led France a record 54 times, has always been PSA’s loyal lieutenant. The 33-year-old flanker, plagued by injuries since the last World Cup, is nearing the end of his Test career and doesn’t deserve to bow out with another demoralising defeat.Dusautoir is a dignified and courageous man, and also an intelligent one, which is why he’s unlikely to lead an open revolt against the coaching staff. Because what will that achieve? He knows that emotion alone is not enough to beat New Zealand, and all this talk of 1999 and 2007 overlooks one essential point: the lack of top-class talent in this French squad.How many of the backs that lost to Ireland, for example, would challenge for a place in the 1999 line-up of Xavier Garbajosa, Philippe Bernat-Salles, Richard Dourthe, Emile Ntamack, Christophe Dominici, Christophe Lamaison and Fabien Galthie? Probably only Scott Spedding would dislodge Garbajosa at full-back.Similarly the 2007 threequarter line included Vincent Clerc, Damien Traille, Yannick Jauzion and Cedric Heymans, all superior technically to anyone in the 2015 squad, while the 2011 vintage also contained several world-class players.That’s not to say France don’t have better players available than the XV that started against Ireland. The inclusion against New Zealand of Rory Kockott, Bernard le Roux (in the second row), Nyanga and Gael Fickou would give France greater dynamism and creativity but there are deeper problems facing France.Leading figure: Thierry Dusautoir has been loyal to Philippe Saint-Andre. Photo: Getty ImagesA country once revered for the skill and adventure of its back-line now produces centres incapable of giving a pass and wingers unable to beat an opponent. The revolt that French rugby needs is against the negativity and conservatism of the Top 14 that has produced a generation of technically deficient French backs. But that’s a long-term issue.last_img read more

Family Promise congregations open doors to host homeless families

first_img The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Rector Hopkinsville, KY Curate Diocese of Nebraska The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET Virtual Episcopal Latino Ministry Competency Course Online Course Aug. 9-13 Rector Albany, NY Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Thomas Dame says: October 12, 2013 at 12:51 pm The affiliate here in Brevard County, Florida began in January 2007 to form an Interfaith Hospitality Network. We had the final documents complete on December 24, 2007. Through much perseverance and prayer, we hosted our first family in the network the week of September 30 at 5pm-October 6, 2013 at 8am at Church of Our Savior Episcopal in Palm Bay. Brevard County is 76 miles long and 10 miles wide. We currently have 13 host and 5 support congregations from Palm Bay to Indialantic to Cocoa Beach to Cocoa to Rockledge, Viera and Suntree. We are the 10th operational affiliate in Florida. What an experience awaits you! Gary Salmon says: AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis Bob Moore says: October 15, 2013 at 12:28 pm Great article! Episcopalians and the congregations they belong to have really stepped up to the plate here in the Cincinnati area. Putting their faith into action, they host homeless families, volunteer, and donate to the local Family Promise Affiliate. Church of the Redeemer was instrumental in the founding of the local Affiliate, Interfaith Hospitality Network of Greater Cincinnati, twenty-two years ago. They are valuable members of this loving, caring community that has opened its doors and hearts to homeless families. In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 Family Promise congregations open doors to host homeless families Comments are closed. Rector Belleville, IL Submit a Job Listing Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Rector Shreveport, LA Associate Rector Columbus, GA An Evening with Aliya Cycon Playing the Oud Lancaster, PA (and streaming online) July 3 @ 7 p.m. ET Rector Smithfield, NC This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 Submit an Event Listing Submit a Press Release Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 October 15, 2013 at 12:13 pm Here in Gloucester County, NJ we have been taking care of homeless children and their families since we welcomed our first guest family – the week before Christmas in 2005. Nearly 2 dozen faith communities are involved as either Host or Support Congregations. We consider it a blessing to have the opportunity to do what we do. “…is this not the fast that I choose,…that you bring the homeless poor into your house…” Isaiah 58:7 Associate Priest for Pastoral Care New York, NY Rector (FT or PT) Indian River, MI Bishop Diocesan Springfield, IL Assistant/Associate Rector Morristown, NJ Rector and Chaplain Eugene, OR TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab Priest Associate or Director of Adult Ministries Greenville, SC center_img Director of Music Morristown, NJ By Sharon SheridanPosted Oct 10, 2013 Hector Gonzalez says: Curate (Associate & Priest-in-Charge) Traverse City, MI New Berrigan Book With Episcopal Roots Cascade Books Rector Martinsville, VA Rector Bath, NC Cathedral Dean Boise, ID Associate Rector for Family Ministries Anchorage, AK Tags Director of Administration & Finance Atlanta, GA Rector Collierville, TN martha knight says: Episcopal Church releases new prayer book translations into Spanish and French, solicits feedback Episcopal Church Office of Public Affairs Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York Assistant/Associate Rector Washington, DC Assistant/Associate Priest Scottsdale, AZ Poverty & Hunger October 10, 2013 at 7:36 pm Such an inspirational story of love for the least of these our brothers and sisters. An excellent model for all churches to follow. Course Director Jerusalem, Israel Rector Washington, DC Comments (5) Featured Events Rector Knoxville, TN Rector Tampa, FL Featured Jobs & Calls Canon for Family Ministry Jackson, MS Priest-in-Charge Lebanon, OH Press Release Service Missioner for Disaster Resilience Sacramento, CA One of the families hosted by Family Promise of Gallatin Valley in Bozeman, Montana. Episcopal Deacon Roxanne Klingensmith of St. James Episcopal Church in Bozeman helped launch the interfaith network in Bozeman. Photo/Luca Photography[Episcopal News Service] It all started with a sandwich.Karen Olson was working for Warner Lambert and had taken one of her frequent trips into New York for a lunch meeting when she encountered a homeless woman sitting outside Grand Central Station.“In the early ’80s in New York City, it was hard to walk a city block all of a sudden without seeing somebody who was homeless,” Olson recalled. “I passed by homeless people regularly, I guess like everybody else.”This time, instead of walking by, she impulsively bought a sandwich for the woman and ended up talking with her. “She said she hadn’t eaten since yesterday. I learned a little bit about her life, and a barrier was sort of broken. Up until that point, I had just thought you just don’t go near homeless people.”Back home, Olson told her 10- and 12-year-old sons about the homeless woman, whose name was Milly. Their response: “Let’s make sandwiches and give them to homeless people in New York City.”“For a couple of years,” Olson said, “every other Sunday, we would go in armed with sandwiches and got to know [homeless] people by name.”She began arming herself with knowledge as well, about homelessness and particularly the plight of homeless families. Ultimately, she turned to the religious community in her home county, Union, in New Jersey. When they couldn’t work out the logistics of opening a shelter, they created a new model: Eleven churches and one synagogue agreed to feed and house homeless families a week at a time in rotation, while the Elizabeth YMCA provided space for a day center for the families. An area car dealer discounted the cost of a van to transport families between the center and the host congregations. And the first Interfaith Hospitality Network was born, opening in October 1986.“To my surprise, hundreds of volunteers came out wanting to make a difference,” Olson said.Soon that one network grew into multiple networks.“I never really planned to start an organization,” Olson said. But this year, that organization she didn’t plan to start, now called Family Promise, is celebrating its 25th anniversary of becoming a national program. Nationwide, it provides “shelter, meals, and housing and job placement support to more than 49,000 homeless family members annually,” according to the organization’s website.Family Promise involves 6,000 congregations – about 8 percent of them Episcopal – and 160,000 volunteers in 41 states, Olson said. “Virtually every faith is involved. There’s some wonderful partnerships of different faiths working together in local communities.”In Florida, Family Promise of South Palm Beach County involves Christian, Jewish and Muslim congregations.“The great genius of Family Promise is that you see God’s power unleashed through this network of congregations, all responding to the call to serve and care for the most vulnerable amongst us,” said the Rev. Andrew Sherman, rector of St. Gregory’s Episcopal Church in Boca Raton. “As people of God, we’re all responding together to care for the most vulnerable. For me, theologically, it’s really teaching us about the kingdom of God.”Twenty-three congregations support the network, with 11 serving as host sites for up to 14 people for a week at a time about five times a year. St. Gregory’s has dedicated a residence on its campus to the program, so some congregations who can’t host families at their own sites act as “hosts” while the homeless clients stay at the Episcopal church’s house.St. Paul’s Episcopal Church in Delray Beach and the Chapel of Saint Andrew Episcopal Church in Boca Raton also are host congregations, while St. Matthew’s Episcopal Church in Delray Beach and St. Joseph’s Episcopal Church in Boynton Beach are supporting congregations in the network.“Right now our house is being used probably about 30 weeks out of 52,” Sherman said. This not only lets congregations without hosting facilities participate in the program but also provides some housing continuity for families who otherwise would be moving every week, he said.“I’m not used to being in a different place very week,” said Brenda Gery, a Family Promise of Warren County client staying at St. Luke’s Episcopal Church in Phillipsburg, New Jersey. “I’m not used to this kind of situation. … It’s difficult being with people I don’t even know.”Gery, 52, had been living in Family Promise churches for four months. She couldn’t afford to stay in subsidized housing, where she’d lived for nine years, after she lost her job as a cashier.On this evening, she looked forward to seeing her almost-16-year-old son, staying with family in Phillipsburg. He plays baseball and has two more years of high school. “He wanted to stay in Phillipsburg with his friends,” she said. Another son, 18, lives on his own in Pennsylvania.“The people at the church have been nice. It makes it a little easier,” she said. She was looking forward to the week she’d spend at Phillipsburg Alliance Church, which she used to attend.Another single mother, Colleen Dolce, about to turn 24, was spending her second night at St. Luke’s with her daughters Ryleigh, 3, and Sophia, 18 months. She’d moved around a bit before this, particularly during the previous two months, before connecting with Family Promise. About 60 percent of Family Promise clients are children, most younger than 6, Olson said.“It’s affected them a lot more than it’s affected me,” Dolce said of her children. “I think they’ve become more attached to me. I’ve literally been the only stable thing they have. The good thing is, they’re little. But the time I figure everything out, they won’t really remember much of this.”There’s a lot to juggle. A van transports her family to and from the Family Promise day center, from which she then drives to a babysitter and her job at Dunkin’ Donuts. Each location is a distance from the others, and she was working to find compatible hours and day-care assistance.“All the people at the day center are really helpful,” she said. Amenities include a shower and locker room, a washer and dryer, a kitchen, computers for job searches and a toy room for the children.Back at the church, volunteers provide dinner and breakfast and stay overnight with the homeless guests. On this evening, Kathleen Scala had prepared a spaghetti dinner and was eating with the families.“I just need to give where giving is needed,” she said. “If I’m cooking at home, I can certainly cook from here.The ministry makes good use of the church’s space to fill a need, she said. “You want, as a church, to reach out to the community.”Volunteers spend time with guests at Family Promise congregations, providing food, friendship and overnight accommodations. Participating congregations in Family Promise of South Palm Beach County, Florida, are interfaith: Christian, Jewish and Muslim.Sherman helped launch Family Promise in Palm Beach County after discovering it didn’t have a homeless shelter, yet had more residents than Rhode Island. “People would come to our door at the church who were homeless, and you’d try to help them. There was just a glaring gap of both need and lack of services.”The Family Promise network is helping to meet that need. Since 2008, according to a report to the network’s annual meeting in January, “Family Promise provided over 10,000 ‘bed nights,’ 30,000 meals and 83,000 volunteer hours from 1,100 dedicated volunteers. A paid staff of three, aided by ‘expert’ volunteers, mentors and participating congregations, helped families improve parenting and budgeting skills while finding training, jobs, housing, child care and transportation. With program graduates now numbering 180 adults and children, Family Promise has achieved an enviable success rate of nearly 85 percent, slightly higher than the national Family Promise organization’s 80 percent average.”Noted Sherman, “It takes a village of congregations to move a homeless family from homelessness to stability, and it’s really connecting all the services.”And it takes a lot of volunteers.At St. Gregory’s, more than 100 volunteers help out throughout the year, Sherman said. “Normally it takes about 75 to do a hosting week, when you add up all the jobs of cooking, overnight hosting, greeting, getting the bed linens washed.”The average family stayed with Family Promise congregations for nine weeks last year, Olson said.In Bozeman, Montana, St. James Episcopal Church was the first to sign up to become a host parish with Family Promise of Gallatin Valley, thanks to the impetus of network “founding mother” Deacon Roxanne Klingensmith. “I had been long yearning for us to do something about the homeless in Bozeman. The homeless in Bozeman are still quite invisible.”It took 18 months to get organized, from recruiting congregations to raising funds and training volunteers, she said.From its launch in 2006 to April 2013, the interfaith network sheltered almost 100 families, according to its website. Twelve host congregations and 11 partner congregations participate, and 1,500 volunteers have completed a two-hour training required to provide direct guest services.The idea of helping homeless families particularly attracted people, Klingensmith said. “The reason we knew it would work was because it involved children. When you talk about homeless children, that gets people’s attention.”St. James hosts families in its former rectory about nine times a year. The families “love it because it’s a home setting and has bedrooms and two full baths and a kitchen and a dining room,” Klingensmith said.“As far as the congregation, what it’s meant is that they get to be involved up close,” she said. “I think what they do is live out the gospel.”“This gave them an opportunity to really … bring the love of Christ to people.”— Sharon Sheridan is an ENS correspondent. Rector/Priest in Charge (PT) Lisbon, ME Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Family Ministry Coordinator Baton Rouge, LA Youth Minister Lorton, VA August 2, 2014 at 10:39 pm My son is 39, Working, suffering shingles, homeless, has job, no medical supporting a family of 4 in el paso tx. 406 589 5783. NEEDS a lite help to get back on his feet.Join me in my prayers to see him trough. Rector Pittsburgh, PAlast_img read more

Reporters Without Borders calls on Yasser Arafat to act after killing of journalist

first_img May 16, 2021 Find out more News May 28, 2021 Find out more Reporters Without Borders expressed its “distress” and “indignation” to the President of the Palestinian Authority Yasser Arafat after the assassination of Khalil Al-Zebin, one of his key advisors and publisher of An-Nashra, in Gaza on 2 March.”Our organisation calls on you to immediately take clear, well-defined and effective steps to shed light on this case and that will bring an end to the impunity with which Palestinian journalists are being attacked.”This is the only way that freedom of the press can be restored to the territories under your control,” said Reporters Without Borders.Since September 2003, the international press freedom organisation has voiced growing alarm over a rising toll of attacks, acts of vandalism and threats against journalists and the Palestinian media. “We received no reply to our demands,” said the organisation. “Outside of official statements, the security forces have visibly not acted with sufficient firmness and determination, triggering a rapid deterioration in the situation.”The organisation concluded by calling on the Palestinian leader “to ensure the safety of journalists, who are victims of a growing political instability, and to do everything in his power to remedy the negligence of the security forces, for which the Palestinian media are unfortunately paying the price.”On 4 February 2004, the organisation wrote to interior minister, Hakam Balaawi, following the ransacking of the offices of the weekly Al-Dar in Gaza, calling on him to open investigations so that those responsible could be tracked down and brought to justice.Journalist Khalil Al-Zebin, 59, publisher of the bi-monthly An-Nashra and a key advisor to Yasser Arafat on the media, was assassinated by a group of armed men as he was leaving his office in the centre of Gaza city overnight on 1-2 March 2004. It is not yet known who was responsible for the killing.To read the newspaper An-Nashra go to: RSF asks ICC prosecutor to say whether Israeli airstrikes on media in Gaza constitute war crimes Follow the news on Palestine to go further PalestineMiddle East – North Africa Help by sharing this information March 2, 2004 – Updated on January 20, 2016 Reporters Without Borders calls on Yasser Arafat to act after killing of journalist The murder by armed men of Khalil Al-Zebin, publisher and key advisor to Yasser Arafat, led the organisation to express its “distress” and “indignation”. It called on Palestinian National Authority president Arafat, to “remedy the negligence of the security forces for which the Palestinian media pay the price”. PalestineMiddle East – North Africa WhatsApp blocks accounts of at least seven Gaza Strip journalists RSF_en June 3, 2021 Find out more Receive email alerts News News Organisation Israel now holding 13 Palestinian journalists Newslast_img read more

Many Consumers Still Weighed Down by Mortgage Debt

first_imgSign up for DS News Daily Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / Many Consumers Still Weighed Down by Mortgage Debt Demand Propels Home Prices Upward 2 days ago Many Americans are still struggling with mortgage debt, which is the third most-popular form of debt in the nation. Much of this debt stems from borrowing at the wrong time and for the wrong purpose, preventing consumers from achieving financial stability.An Urban Institute report titled, “Americans’ Debt Styles by Age and over Time” released recently found that 54.5 percent of those ages 18-22 are debt free, while 39.2 percent of those ages 23-27 are debt free. However, as borrowers age, that number drops drastically to 18.1 percent for the 63-67 age group, but rises for those over 77 at 36.1 percent.”Consumers tend to borrow and consume less than predicted early in their lifetimes. Second, they also tend to consume more and save less than predicted in middle age, when they have their highest earnings; consequently they do not have enough savings to maintain their consumption levels in retirement,” the report explained.In 2014, mortgage debt was the third-highest form of debt among consumers, with 28 percent holding some form of housing-related debt, the report showed. The highest percentage of consumers have mortgage debt in their late 30s through their early 60s. For borrowers with mortgages, debt balances averaged $160,000 in 2014, up from $150,000 in 2010.”These debt patterns reflect lifestyle changes as consumers get older: they finish their higher education and largely pay off the associated debt in their 20s and 30s, finance and become auto and homeowners in their 30s through their 60s, and accumulate enough equity on their homes to finance other spending against that equity in their late 40s through late 60s,” the report said.The Urban Institute research showed that those without debt tend to have lower Vantage scores within each age group.  The 39.2 percent of 23–27-year-olds with no debt have a median Vantage score of 524, compared to 669 for those who have debt. For older consumers age 77 and over, the median Vantage score is 675, compared to 805 for consumers with debt. The median Vantage score for consumers 30 or younger is no more than 650; but it is more than 780 for consumers 68 or older.”This suggests that those who have no debt have not built the credit history necessary to obtain debt, rather than the alternative, that they have no need for debt,” the report stated. “Across age groups, younger consumers tend to have much lower credit scores than older consumers.”Click here to view the full report. Related Articles Tagged with: Consumer Debt Mortgage Debt Urban Institute Previous: Fed Chairman Yellen Urges Congress to Reject Fed Reform Bill Next: Borrower Outreach Events Proving Successful at Preventing Foreclosures About Author: Xhevrije West Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Xhevrije West is a talented writer and editor based in Dallas, Texas. She has worked for a number of publications including The Syracuse New Times, Dallas Flow Magazine, and Bellwethr Magazine. She completed her Bachelors at Alcorn State University and went on to complete her Masters at Syracuse University.  Print This Postcenter_img Servicers Navigate the Post-Pandemic World 2 days ago Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago in Daily Dose, Featured, Market Studies, News November 17, 2015 3,149 Views The Best Markets For Residential Property Investors 2 days ago Many Consumers Still Weighed Down by Mortgage Debt The Best Markets For Residential Property Investors 2 days ago Subscribe Consumer Debt Mortgage Debt Urban Institute 2015-11-17 Brian Honealast_img read more

81 jobs secured in Rivermedia restructuring

first_img Google+ PSNI and Gardai urged to investigate Adams’ claims he sheltered on-the-run suspect in Donegal Dail hears questions over design, funding and operation of Mica redress scheme HSE warns of ‘widespread cancellations’ of appointments next week Facebook 81 jobs secured in Rivermedia restructuring Twitter Pinterest A major restructuring programme has been confirmed by River Media Newspapers, which the company says will save 81 jobs. Six titles are owned by the company, four in the republic and two in the North.As part of the package, a receiver to the group’s four papers in the Republic and an administrator to its two titles in the North.The company says it had been trading profitably over the past year but was hampered by a very large historic debt burden.There will be no effect on the company’s papers, all of which will continue to publish as normal.They are the Letterkenny Post, Inish Times, Donegal Post and Kildare Post in the republic, and the Derry News and County Derry Post in the North. Dail to vote later on extending emergency Covid powers Man arrested on suspicion of drugs and criminal property offences in Derry Google+center_img By News Highland – September 6, 2011 Previous articleReports suggest Donegal Creameries and Connaught Gold are close to final dealNext articleLetterkenny charity shop advised by Judge to consider piano refund News Highland Man arrested in Derry on suspicion of drugs and criminal property offences released RELATED ARTICLESMORE FROM AUTHOR Newsx Adverts WhatsApp WhatsApp Pinterest Facebook Twitterlast_img read more

CSO reports a substantial fall in most crimes across Donegal

first_img Gardai continue to investigate Kilmacrennan fire Twitter Jimmy Harte LABA Donegal Senator has welcomed the substantial decrease in crime in the Donegal Garda DivisionCSO figures released yesterday show that in the second quarter of 2013 crime has dropped substanially in the county.Burglaries, public order offences, assaults, cases of drink driving and damage to property and the environment were all down.But sexual offences and the number of rape and sexual assaults recorded slight increases.Labour Senator Jimmy Harte has welcomed the figures:[podcast][/podcast] Facebook CSO reports a substantial fall in most crimes across Donegal Twitter 365 additional cases of Covid-19 in Republic Further drop in people receiving PUP in Donegal Previous articleNew traffic lights outside LYIT now permanently switched onNext articleTaoiseach says government yet to decide on whether Omagh Inquiry is necessary News Highland Google+ Facebook WhatsAppcenter_img Pinterest By News Highland – September 25, 2013 Main Evening News, Sport and Obituaries Tuesday May 25th Google+ Man arrested on suspicion of drugs and criminal property offences in Derry 75 positive cases of Covid confirmed in North RELATED ARTICLESMORE FROM AUTHOR WhatsApp Pinterest Newslast_img read more

Some Donegal parents refuse to send children on school bus

first_img News, Sport and Obituaries on Monday May 24th Twitter By News Highland – November 23, 2020 RELATED ARTICLESMORE FROM AUTHOR WhatsApp Some parents in Donegal are refusing to send their children on public transport due to Covid-19 capacity issues. Despite an initial aim by Bus Eireann of having school buses run at 50% capacity due to the pandemic, some are still operating at full capacity.While a number of private bus operators in the county have come forward to offer their services to Bus Eireann, it’s understood that the logistics of that are still being worked out.It’s emerged since the issue was raised on today’s Nine till Noon Show this morning that there are a significant number of buses operating at 50% capacity.But affected parent Maggie believes putting her son on a full school bus  is effectively breaking the rules:Audio Player Up/Down Arrow keys to increase or decrease volume. Important message for people attending LUH’s INR clinic Facebook WhatsApp Some Donegal parents refuse to send children on school bus Arranmore progress and potential flagged as population grows Community Enhancement Programme open for applicationscenter_img Pinterest Twitter AudioHomepage BannerNews Previous articleAppeal over attempted weekend hijacking in DerryNext articleVirtual Golden Bridges conference attracts record numbers News Highland Google+ Nine til Noon Show – Listen back to Monday’s Programme Facebook Loganair’s new Derry – Liverpool air service takes off from CODA Pinterest Google+last_img read more

Called to serve: Local nurses volunteering in NYC

first_img The Penny Hoarder Issues “Urgent” Alert: 6 Companies… A quote by noted humorist  Emma Bombeck has been a guide for Chelsi Ward Kumar’s life.“When I stand before God at the end of my life, I would wish that I would not have a single bit of talent left and I could say I used everything you gave me.”Chelsei and a friend, Skylar Killebrew, both registered nurses, are in New York working in ICU at at Manhattan hospital taking care of coronavirus patients who are on ventilators. They both believe that they are doing what God has called them to do. ‘Don’t let the hard work be for naught’ Even as they praised the efforts of city employees and the public to practice social distancing and safe measures, Troy… read more You Might Like Sponsored Content By The Penny Hoarder By Jaine Treadwell Published 8:20 pm Tuesday, April 14, 2020 Skip Chelsei is a Troy native. She has a 12-year-old daughter and is a self-proclaimed “country girl who likes to hunt and fish.” IIn the midst of the COVID-19 pandemic, Troy was as comfortable as any place could seemingly be.Skylar is a contract nurse who works around the country. She was scheduled for an Indian reservation in South Dakota. But she was advised that she was needed in New York. Would she be willing to go?  “Of course.” Email the author Print Article Remember America’s heroes on Memorial Day For Chelsei the call was an inner tugging to use the talent she had been given. Together, the longtime friends would go.“I had to be isolated from my daughter anyway because she has asthma and also from my mother who has a health issue,” Chelsei said. “I had to be away from them anyway, so maybe I could be there for others.”After two weeks in a New York hospital, the friends have experienced, first hand, the magnitude and harshness of COVID-19.“Most of the patients have underlying conditions and many of them will die there, alone, except for the nurses who care for them,” Chelsea said. “That is what is so heartbreaking — people dying alone.” Latest Stories Troy falls to No. 13 Clemson Chelsei and Skylar said they work knowing that many of their patients will never go home. And, that they could be the ones there when they die.“At this time, one nurse has from three to four patients that are on ventilators because they cannot get the oxygen they need,’ Chelsei said. “Even on the ventilators, they struggle. And, there are not enough  ventilators for those who need them. Only if someone dies —or goes home —do ventilators become available.” Chelsei said from her experience most of the coronavirus patients are men, many of them African American and Hispanics.“Not all of them are older people,” she said. “There are some in the 50s and 60s, even 30s,”  she said. While caring for their patients, Chelsei and Skylar also have to protect themselves against the deadly virus.“We take vitamins and drink a lot of fluids and rest as much as we can,” Chelsei said. “At work, we wear shoe coverings and our scrubs are covered. We wear N-95 masks and surgical masks over those masks and also face shields that protect us from any kind of splatter.”When the nurses get back to their apartment, they shed their clothes and “scrub down.”“One thing about New Yorkers is that they are taking the coronavirus very seriously,”  Sklyar said. “On the streets, they walk with their arms spread out to the side to keep others from getting too close. And, they wear masks. Every night at 7 o’clock, they gather outside the hospital and cheer for the healthcare workers. They are amazing people.”When they are not on duty, the nurses take walks in the park and rest and relax. They also spend time “face timing” with family.Chelsei and Skylar are young nurses but they are witness to something that even the most experienced nurses have never witnessed — COVID-19.In finding words to explain why they would volunteer for such hazardous duty, they both said, God called them to go. “We believe this is where we are supposed to be,” Chelsei said. “We believe God called us here and this is where we want to be. What I miss most is my family and especially my daughter. We thank all of those who are praying for us and we ask for their continued prayers.”Chelsei and Skylar have committed to six weeks in New York. If they are asked to stay? God will lead them, she said.Chelsei’s pareants are Audie Ward and Kathy Ward Smith of Troy. Skylar Killebrew and Chelsei Ward Kumar, both nurses from south Alabama, are working in New York City to help battle the outbreak of COVID-19. Called to serve: Local nurses volunteering in NYC Plans underway for historic Pike County celebration Pike County Sheriff’s Office offering community child ID kits Book Nook to reopen Around the WebMd: Do This Immediately if You Have Diabetes (Watch)Blood Sugar BlasterIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Patriot Health ZoneHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential Health32-second Stretch Ends Back Pain & Sciatica (Watch)Healthier LivingThe 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. 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