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Category: laxaiplyfgakyiex Hotshot: Bath No 8 Zach Mercer
How did you end up at Bath?I played a school match against Bryanston and their coach got in touch with Danny Grewcock from the Bath Academy. I moved there when I was 17.Are you getting more game time than you expected?100%! I have to thank Toby (Faletau) for giving me the opportunity by getting injured! It’s tough to adapt to but it’s fun playing against internationals I never thought I would play.What is your aim now?To compete for the back-row jerseys at Bath. I’ve had a taste of it and I don’t want to give it up. And then to focus on the World Cup with England U20. RW Verdict: Mercer doesn’t turn 20 until June but has made a big impact in Bath’s back row this season. He enjoys coaching younger players in his spare time and is set to be a leading light for England U20 in 2017.First published in the February 2017 edition of Rugby World magazine. Your dad Gary was a NZ rugby league star. Did you play league?No. Dad actually pushed me towards union and I’ve never played a game of league.Where did you start? I joined Old Brodleians, near Halifax, when I was four or five. When I was about ten we moved to Scotland because Dad got a job with Glasgow Warriors and I joined GHA and stayed until I was 16.Did you always play No 8?Yes. I fancied myself as a centre but that never came to be!Who has mentored you?I went to Merchiston Castle school for two years and the coaches there, Rob Moffat and Roddy Deans, really encouraged me. My dad is always giving me little bits of feedback. Now I go through all my games with Toby Faletau and we do lots of skills together, with Dave Denton too.You played for Scotland age groups before England…I qualified for Scotland on residency so played for their U16s and I’m grateful to them because they pushed me. But I always wanted to wear the rose and I played for England U18 and then for England U20 last season. Date of birth 28 June 1997. Country England TAGS: Bath Rugby LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS One to watch: Zach Mercer is having a breakthrough season at Bath. (Photo: Getty Images)
Category: laxaiplyfgakyiex How our own bodies may be the key to fighting cancer
Please enter your comment! In August 2015, former President Jimmy Carter shared some very sad news with the world when he revealed he had been diagnosed with melanoma, and that the disease had already spread to other parts of his body.But then, something incredible happened. Just months after his announcement, Carter declared himself “cancer free.” A few months later, the former president indicated he no longer needed treatment for his disease. How could this happen? One scientific explanation is that he received immunotherapy – a new type of treatment that is changing the lives of many people diagnosed with cancer.The idea behind immunotherapy is relatively simple – get your body to fight cancer the way it was meant to by empowering and enhancing your immune system. Although immunotherapy has been in the making for more than a century, today’s major advances are leading to miraculous stories like Carter’s.Immunotherapy: A family’s quest to advance cancer careIn the early 1890s, Dr. William Coley, a prominent surgeon who specialized in cancer and practiced medicine in New York between 1890 and 1936, started noticing seemingly spontaneous remission in patients with cancer who contracted certain bacterial infections. Inspired by his observations, Coley began to explore a daring new idea by injecting live bacteria into a patient with an inoperable malignant tumor. The patient made a complete recovery and lived another 26 years before ultimately passing away from a heart attack. Reassured by this case, Dr. Coley then developed a safe and effective mixture of bacteria to treat patients with cancer – known as Coley’s mixed bacterial toxins (or Coley’s toxins). Little was known of immunology in Coley’s day, but today it is understood that the immune system’s response to the bacteria is likely to have been what triggered his patients’ responses against cancer.Unfortunately, Coley’s findings were overshadowed by the advent of X-ray, radium treatment and chemotherapy. After his death, Coley’s daughter, Helen Coley Nauts, became inspired by her father’s work and was able to track down hundreds of cases of microscopically confirmed cancers that had been treated with Coley’s toxins. After more than three years of research, Nauts published her findings and demonstrated the truly beneficial effects of her father’s treatment, rekindling the medical community’s interest in immunotherapy.With a grant of $2,000 from Nelson Rockefeller, Nauts and her long-time friend, Oliver R. Grace, founded the Cancer Research Institute (CRI) in 1953. Today, nearly every major research institution in the world working in immunology and immunotherapy has scientists on staff who have been, or are currently being funded by CRI.The road ahead: A cancer “moonshot”It is easy to call immunotherapy a miracle – and it may be in some regards – but it is also important to realize that this revolutionary new way of treating cancer is actually the result of years of research and dedication. Recognizing a need for continued funding and research to advance cancer care, Vice President Joe Biden launched the National Cancer Moonshot – an initiative dedicated to accelerating research through increased collaboration between patient advocacy groups, health care providers, and many other stakeholders in the field, like CRI.“Vice President Biden’s Moonshot initiative is an exciting proposal for patients living with cancer and the immunotherapy researchers all over the world who are working day and night to discover and develop newer, safer ways to treat this disease,” says Dr. Jill O’Donnell-Tormey, chief executive officer and director of scientific affairs at the Cancer Research Institute. “We at CRI were thrilled to be invited by the Vice President’s team to participate in early discussions regarding the initiative and look forward to continuing our role as an expert resource in the field of cancer immunotherapy.”To learn more about cancer immunotherapy, visit the Cancer Research Institute website at http://www.cancerresearch.org/. Please enter your name here Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 TAGSCancer Research InstituteImmunotherapy Previous articleMiss Apopka Send-off PartyNext articleOrange County Clerk Offers Affordable and Elegant Wedding Alternative Denise Connell RELATED ARTICLESMORE FROM AUTHOR Share on Facebook Tweet on Twitter The Anatomy of Fear LEAVE A REPLY Cancel reply Support conservation and fish with NEW Florida specialty license plate You have entered an incorrect email address! Please enter your email address here Save my name, email, and website in this browser for the next time I comment.
Category: laxaiplyfgakyiex Everything Coming to Disney Plus in April
Onward TAGSAprilDisney Plus Previous articleFlorida’s consumer confidence has plummeted, repercussions depending on COVID-19 recoveryNext articleCOVID-19 could shrink the earnings of 2020 graduates for years to come Denise Connell RELATED ARTICLESMORE FROM AUTHOR April 1Doctor DolittleApril 3 Onward Support conservation and fish with NEW Florida specialty license plate Please enter your comment! Please enter your name here Share on Facebook Tweet on Twitter You have entered an incorrect email address! Please enter your email address here April 1Doctor DolittleApril 3 Life on the Edge (new episode)Dolphin Reef (new episode)Diving With Dolphins (new episode)Star Wars: The Clone Wars (new episode)Disney’s Fairy Tale Weddings (new episode, finale)Shop Class (new episode)Disney Family Sundays (new episode)One Day At Disney (new episode)Be Our Chef (new episode)A Tale of Two CrittersIn a NutshellDon’s Fountain of YouthDon’s Fountain of YouthDonald’s Dog LaundryDouble DribbleDragon AroundElmer ElephantFish Hooks (S1-3)How to Play FootballLambert, The Sheepish LionOn IceOut of ScalePenguinsPluto’s PartySea ScoutsSonny with a Chance (S1-3)The Boy Who Talked to BadgersThe New NeighborThe Small OneThe Straight StoryApril 10A Celebration of Music from the Coco PremiereStar Wars: The Clone Wars (new episode)Shop Class (new episode)Disney Family Sundays (new episode)One Day At Disney (new episode)Be Our Chef (new episode)Life Below Zero (S14)Paradise Island (S1)Playtime with Puppy Dog Pals (S1)Running Wild with Bear Grylls (S5)Tut’s Treasures: Hidden Secrets (S1)April 12PJ Masks (S3)April 17Star Wars: The Clone Wars (new episode)Shop Class (new episode, finale)Disney Family Sundays (new episode)One Day At Disney (new episode)Be Our Chef (new episode)Brain Games (S8)Let’s Stick TogetherMickey and the Roadster Racers: Nutty Tales (S1-2)Pluto’s PurchaseThe Incredible Dr. Pol (S16)April 19Just Roll with It (S1)April 20Secrets of the Zoo: Tampa (S1)April 22Fury FilesJane Goodall: The HopeApril 23Disney Rapunzel’s Tangled Adventure (S3)April 24America’s Funniest Home Videos – S12-19, 23Man in SpaceMars and BeyondThe Olympic ElkStar Wars: The Clone Wars (new episode)Disney Family Sundays (new episode)One Day At Disney (new episode)Be Our Chef (new episode)April 30National Treasure Life on the Edge (new episode)Dolphin Reef (new episode)Diving With Dolphins (new episode)Star Wars: The Clone Wars (new episode)Disney’s Fairy Tale Weddings (new episode, finale)Shop Class (new episode)Disney Family Sundays (new episode)One Day At Disney (new episode)Be Our Chef (new episode)A Tale of Two CrittersIn a NutshellDon’s Fountain of YouthDon’s Fountain of YouthDonald’s Dog LaundryDouble DribbleDragon AroundElmer ElephantFish Hooks (S1-3)How to Play FootballLambert, The Sheepish LionOn IceOut of ScalePenguinsPluto’s PartySea ScoutsSonny with a Chance (S1-3)The Boy Who Talked to BadgersThe New NeighborThe Small OneThe Straight StoryApril 10A Celebration of Music from the Coco PremiereStar Wars: The Clone Wars (new episode)Shop Class (new episode)Disney Family Sundays (new episode)One Day At Disney (new episode)Be Our Chef (new episode)Life Below Zero (S14)Paradise Island (S1)Playtime with Puppy Dog Pals (S1)Running Wild with Bear Grylls (S5)Tut’s Treasures: Hidden Secrets (S1)April 12PJ Masks (S3)April 17Star Wars: The Clone Wars (new episode)Shop Class (new episode, finale)Disney Family Sundays (new episode)One Day At Disney (new episode)Be Our Chef (new episode)Brain Games (S8)Let’s Stick TogetherMickey and the Roadster Racers: Nutty Tales (S1-2)Pluto’s PurchaseThe Incredible Dr. Pol (S16)April 19Just Roll with It (S1)April 20Secrets of the Zoo: Tampa (S1)April 22Fury FilesJane Goodall: The HopeApril 23Disney Rapunzel’s Tangled Adventure (S3)April 24America’s Funniest Home Videos – S12-19, 23Man in SpaceMars and BeyondThe Olympic ElkStar Wars: The Clone Wars (new episode)Disney Family Sundays (new episode)One Day At Disney (new episode)Be Our Chef (new episode)April 30National Treasure Disney+ is the dedicated streaming home for entertainment from Disney, Pixar, Marvel, Star Wars, National Geographic, and more. Here is everything that is coming to Disney Plus in April 2020. Save my name, email, and website in this browser for the next time I comment.,Disney+ is the dedicated streaming home for entertainment from Disney, Pixar, Marvel, Star Wars, National Geographic, and more. Here is everything that is coming to Disney Plus in April 2020. LEAVE A REPLY Cancel reply Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 The Anatomy of Fear
Category: laxaiplyfgakyiex Robbie Freuan’s oustanding trysaver on Adam Ashley-Cooper
Category: laxaiplyfgakyiex Thumbs up Building / moc architects
Manufacturers: ICOT RYOWAArchitect In Charge:Shin Ju-young, Hwang Hyun-hyeDesign Team:Heeyoun An, Naeun SongConstruction:Wooeun Construction, Heayoung HyunCity:BusanCountry:South KoreaMore SpecsLess SpecsSave this picture!© Sangin NamRecommended ProductsWindowsAir-LuxSliding Window – CurvedWindowsKalwall®Facades – Window ReplacementsEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsWoodBruagBalcony BalustradesText description provided by the architects. Since the size of the land is so small and it is a commercial house considering leasing, we chose to add some new changes while solving the given conditions. The first condition was to design at the maximum possible scale. As it was residential area, only 60% of the site area (24 square meters) could be used, and keeping distance more than a certain distance was inevitable in the north direction for the right to sunshine on the neighboring land.Save this picture!© Sangin NamSave this picture!First Floor PlanIn particular, it is no exaggeration to say that the shape of the building resembling “Thumbs-up” was created by the architectural law, and because it can be constructed vertically up to 9 meters from the ground, the fourth floor, which has to be cut more than half diagonally, was decided to offset the narrow sense of space. Most of the terraced buildings that appear to be on the road are due to this restriction, and we wanted to create a unique appearance and interior space by reflecting the oblique lines of the law in the form.Save this picture!© Sangin NamNormally paint finishes are chosen for external insulation systems to reduce construction costs and insulation efficiency, but unfortunately, many buildings often have problems with paint surfaces contamination or smoothness due to deformation of insulation over time. After reviewing various external materials, it was decided to have a tile finish because it was easy to maintain and matched with a small-sized building.Save this picture!© Sangin NamMost commercial buildings prefer large windows, but we planned the location and size of the windows in consideration of the surrounding houses, especially by installing the windows on the same side as the external tile finish, allowing us to use the interior space a little wider. Tiles that fit perfectly with the size of the window and the smooth side of the glass met to create a small but sophisticated appearance.Save this picture!© Sangin NamSave this picture!SectionThe biggest problem was minimizing the stair area on an area about 23 square meters. A typical stair format was chosen because the area occupied was too large. First of all, the floor height was set at 3 meters, so it was not necessary to have the landing, and it was expected that there would not be many users of the building users. In order to reduce the volume of the stairs, the stairs were constructed from 12mm thickness of metal plates instead of concrete castings. The circular staircase of 90 cm radius now may be a little uncomfortable, but it was the best choice to secure space and instead, we hope it can be good to feel the weather outside the window and enjoy ginkgo trees.Save this picture!© Sangin NamThe commercial area on the lower floor except for the public area is designed to make the space of about 16.5 square meters seem visually larger. A large window was planned on the front and back of the first floor so that the building’s rear view could be seen from the road. It makes you feel much deeper than you see a blocked wall on the street. In addition, a large window was designed to make the most of the space between the houses next door, which had to be separated under the Building Act, on the first floor. The actual indoor area available is about 16.5 square meters, but the rest of the land, except for the building area, was actively utilized so that nearly 33 square meters of space, including the outside, could be used.Save this picture!© Sangin NamThe two-story studio with third to fourth floors consists of a living room and kitchen on the third floor and a separate bedroom on the fourth floor. The third floor, the main living space, has a large window on the edge overlooking city without opening a window in front to secure the building and privacy facing it. During the day, you will be able to secure sufficient sunlight, and at night, you will be able to appreciate the sunset sky and the glistening lights of the downtown. Due to the restriction on the diagonal line of the right to direct sunlight, the fourth floor has about 9.9 square meters of space, which is used as a private bedroom separated from the living room, where you can wake up in the morning and open a large window for a refreshing morning on a wide terrace.Save this picture!© Sangin NamProject gallerySee allShow lessGarden Tour / PADSTUDIOSelected ProjectsSuncoast Villa / Biombo ArchitectsSelected ProjectsProject locationAddress:Busan, South KoreaLocation to be used only as a reference. It could indicate city/country but not exact address. Share South Korea Area: 247 m² Year Completion year of this architecture project Thumbs up Building / moc architectsSave this projectSaveThumbs up Building / moc architects CopyMixed Use Architecture, Apartments•Busan, South Korea Architects: moc architects Area Area of this architecture project Photographs: Sangin Nam Manufacturers Brands with products used in this architecture project Projects ArchDaily Year: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/953668/thumbs-up-building-moc-architects Clipboard “COPY” 2019 Mixed Use Architecture Thumbs up Building / moc architects Photographs Save this picture!© Sangin Nam+ 23Curated by Hana Abdel Share “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/953668/thumbs-up-building-moc-architects Clipboard CopyAbout this officemoc architectsOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsMixed Use ArchitectureResidential ArchitectureHousingApartmentsBusanMixed Use ArchitectureOn FacebookSouth KoreaPublished on December 21, 2020Cite: “Thumbs up Building / moc architects” 21 Dec 2020. ArchDaily. Accessed 10 Jun 2021.
Category: laxaiplyfgakyiex The Daily Mail criticises fundraising methods for five days running
Naming (and shaming?) Fundraising DirectorsThe Daily Mail gets personal in its criticisms of four charities.The Daily Mail named and printed photographs of the Directors of Fundraising at the four national charities it had named the day before. It didn’t feature details of the charities’ CEOs or their chair of trustees.So, James Phillips, Tim Hunter, Paul Farthing and Mark Astarita were all profiled, with the sub-headings “I’m a professional beggar”, “Mr 10% Growth”, “The Mass Mailing Expert”, and “The Career Fundraiser”.The location of their homes was included (with its market value), the name of their partner and their age (where available), plus their salary (where published), and in one case, the current reported state of their marriage. Three of the charities publish their senior staff’s salaries, but Oxfam told the Mail that it does not release personal salary details.They added personal details gleaned from social media such as apologies by one to his mother for indiscretions when younger, and a reference to images that show that another had drinks at a party and engaged in “larking about at a festival”.Reader responsesThe Daily Mail printed seven sample responses from the “huge outcry among readers who say they are bombarded with calls from charities”. “Charities were already in the spotlight following an outcry over the death of 92-year-old Olive Cooke, who had been swamped by fundraising appeals”.The Daily Mail sought a comment from Rob Wilson, the Minister for Civil Society, so that it could include it in the publication. He said that the behaviour reported by the Mail was “immoral”.A three-week undercover investigation focused on the alleged practices of some staff at London-based telephone fundraising agency GoGen, which conducts fundraising campaigns for 40 charities. The newspaper published video that it said featured staff being trained at GoGen.The Mail received thanks for its investigation from Stephen Eckersley, head of enforcement at the Information Commissioner’s Office, and Bernard Jenkin MP, Conservative chairman of the Commons public administration committee. Richard Lloyd of consumer group Which? responded by asking for the government to launch a full review of fundraising rules and regulations.The FRSB told The Mail that it was “very concerned” and would look into the allegations urgently.Responses from the charitiesAll four charities denied acting unlawfully, and Oxfam immediately suspended all telephone fundraising in the UK. All the charities said they would investigate the claims.Two members of staff at GoGen were suspended while the firm looked into the Daily Mail’s evidence.In the newspaper’s op ed ‘Comment’ (p. 16) the newspaper asked:“How much longer must the vulnerable be left to suffer before the law on cold-calling is rewritten to spell out that No means No?” 266 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis12 She joined the call for new legislation to tackle what they Daily Mail alleged. In fact she wanted two fundraising methods banned entirely.“I believe cold-calling individuals by phone, and fundraising face to face on the street – by so-called chuggers – or on doorsteps, should be banned”.She also called for a review, but it was not clear whether that would come before or after the banning.She did put the investigation into some context, noting “the majority of charities – even the ones exposed this week by the Mail – are helping people who might otherwise not be helped”. This week The Daily Mail has returned to its criticism of some fundraising methods, and with vim. The newspaper has published findings from its investigation into the work of a telephone fundraising company and some of the charities that use its services. It is also demanding changes to fundraising methods.The investigative focus on the charity fundraising sector follows The Mail on Sunday’s coverage of the death of Olive Cooke in May 2015 in which it claimed that she had been “hounded to death” by charity fundraisers due to the volume of fundraising direct mail and telephone appeals she had received.The coverage had led to governmental demands that the charity sector reform its methods and improve its self-regulation.1. 7 July: “charity cold call sharks”Shamed: charity cold call sharks – front page of The Daily Mail on 7 July 2015The first salvo claimed that “Britain’s biggest charities ruthlessly hound vulnerable for cash – even if they try to opt out of receiving calls”.Over three pages the newspaper criticised The British Red Cross, NSPCC, Oxfam and Macmillan for “making calls to households registered with the Telephone Preference Service”.Vulnerable peopleIn particular it claimed that campaigns run by these charities were including vulnerable people. The Mail reported that “donors who reveal they have dementia are still being asked to commit to direct debits”.It linked the investigation with its earlier claims about Olive Cooke, saying: Advertisement ‘How brutal cold call tactics were exposed’In a final one-page article, Katherine Faulkner summed up the progress of the investigation over the past week, with the headlines it produced.A week in headlines: The Daily Mail’s investigation and campaign, digestedIt included a quote from Dame Hilary Blume, chief executive of the Charities Advisory Trust. She said:“I’d like to dismiss all the people who are incharge of these big fundraising operations in these big charities. I’d say to them, go and develop your careers elsewhere. We want people who have a higher ethical standard”. Howard Lake | 12 July 2015 | News The latter referred back to coverage of the death of charity volunteer Mrs Olive Cooke, and the Daily Mail’s attempts to link it to the volume of charity fundraising appeals she received. He told the Mail:“After the tragic death of Olive Cooke, I made clear that the behaviour of charities had to change or we would take action – today I am delivering on that promise”. 3. 9 July: “now charities are forced into action over cold calling”The investigation disappeared from the front page, not surprisingly given The Daily Mail’s coverage of the government’s Budget.On page 22, however, the Investigations Unit reported on the impact of the previous two days’ stories. It noted the four charities’ responses to the accusations and how they had “agreed to clean up their act on boiler room tactics”. It didn’t make clear whether the charities agreed with that definition of their fundraising agency’s business methods.It mentioned that the charities had already contacted their supporters to explain their organisation’s position with regard to the accusations, and what it was doing to investigate the issue. It quoted Penny Lawrence, Deputy Chief Executive of Oxfam; Justin Forsyth, Save the Children CEO, and Harpal Kumar, Cancer Research UK CEO.The newspaper reported how the issue had been raised in Parliament the day before, with questions being asked of International Development Secretary Justine Greening MP over their behaviour.The Mail contrasted the reactions of the charities. It quoted Oxfam’s deputy chief executive Penny Lawrence whom it said “admitted the policy of taking donations from those with dementia – as long as the person could answer a few basic questions – had been approved by the charity”. In contrast, it noted that “Save the Children chief executive Justin Forsyth said the charity had made the decision to end cold-calling”. It did acknowledge that the charity had been working on this move for several months prior to the newspaper’s latest investigation. About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. 4. 10 July: “charities in crisis over the cold call menace”The story now returned to the front page of The Daily Mail, balanced by a promotion of the next day’s 32-page magazine featuring photographs of Princess Charlotte and Prince George.The reporters Katherine Faulkner, Jack Doyle and Lucy Osborne now reported that “leading charities were in crisis last night after ministers threatened new laws to crack down on their ‘grotesque’ fundraising practices”.Chris Grayling MP, Leader of the House of Commons, had told charity leaders that they “should be ashamed of their shocking practices exposed by an undercover Daily Mail investigation”. He warned that the government “would legislate if the charities did not ‘get their house in order’ immediately”.GoGen was reported to have closed down three of its four call centres because charities had stopped doing business with them.The reporters found that GoGen had been the subject of a Fundraising Standards Board investigation last year over “pressuring people with dementia”. They criticised charities for continuing to do business with GoGen. Guiseppe Iantosca of GoGen confirmed to the Mail that his staff had been re-trained following the adjudication.‘There’s only one way to stop charity call centre sharks – ban them!’The Daily Mail also carried a one-page article by Marjorie Wallace, founder of mental health charity SANE, under the above headline. She pointed out that over nearly 30 years her charity had raised more than £30 million, “but we have always tried to do it with integrity and honesty”.She believed that anyone fundraising for her charity must be “part of the charity”. She wouldn’t want “someone parroting a script – there is no way what they read off a screen can reflect the genuine work of our organisation”. Infamous phrasesThe reports and campaign by the Daily Mail has now introduced a number of epithets which will no doubt be referred back to by some when referring to the fundraising profession.• “The call centre sweatshop” (7 July 2015, pp.4-5)• ‘Boiler room operations” – Information Commissioner Christopher Graham (8 July 2015, p.6)• ‘Hot house conditions and Wall Street tactics’ – Michael Ellis MP (8 July 2015, p.7)• ‘We should be inspired by charities, not frightened of them’ Stuart Etherington, 11 July 2015, p.4• ‘Rogue fundraisers’ Oxfam spokesman, 11 July 2015, p.4 265 total views, 1 views today 2. 8 July: “cold call charities told to clean up their act”The second day of revelations and accusations from the Daily Mail Investigations Unit also received front page coverage. The newspaper reported that “charities could be hauled before MPs to explain their aggressive cold-calling tactics were exposed by the Mail”.‘Boiler room’It used the phrase “boiler room” to describe the call centres and the techniques used by charities for their fundraising. Information Commissioner Christopher Graham also used the phrase, talking of ‘boiler room operations’.It focused further on the fundraising phone calls that it said were being made to vulnerable people, specifically those suffering from dementia.Baroness Bakewell, formerly the Government’s Official Voice of the Older Person, was quoted as saying that charities “measure their success by how many people they can hoodwink into helping the charity”.The Mail claimed that confusion over regulating fundraising was “caused by the fact that there are four bodies regulating the sector”, namely the Institute of Fundraising, the Fundraising Standards Board, the Charity Commission and the Information Commissioner’s Office.Labour MP Paul Flynn, a member of the Public Administration and Constitutional Affairs Committee, said that charities had risked their good name by falling for “explotative” fundraising techniques. He added:“They fall for the easy money that comes from chuggers and direct phone calls”. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis12 Tagged with: donor ethics Law / policy Management Telephone fundraising The Daily Mail criticises fundraising methods for five days running 5. 11 July: “Victory!”The Daily Mail declared victory on its front page as the Prime Minister confirmed that he would act against the “unacceptable practices” by introducing a new law “to curb the shameful tactics of charity fundraisers”. There was no qualification of “some charity fundraisers”, simply “charity fundraisers”, presumably meaning all charity fundraisers.The new measures would be introduced in Parliament in the next few days, meaning that the Daily Mail’s investigation had resulted in a change in the law in just under one week.The new rules would require charities with a turnover of over £1 million “to document how they are monitoring their fundraisers to ensure they are not exploiting potential donors”.Further legislation was threatened, depending on the findings of a fundraising sector-wide review to be chaired by NCVO’s CEO Stuart Etherington. He told the Mail that its investigation “has raised concerns that have shaken charities to the core”. He added “we should be inspired by charities, not frightened of them”.Both the Prime Minister and Minister for Civil Society explicitly thanked the Daily Mail for its role in uncovering these practices at GoGen.
Category: laxaiplyfgakyiex What did S&P Say About Mortgage Defaults?
The Week Ahead: Nearing the Forbearance Exit 2 days ago in Daily Dose, Featured, Foreclosure, News Governmental Measures Target Expanded Access to Affordable Housing 2 days ago What did S&P Say About Mortgage Defaults? The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago consumers default hurricanes loans mortgage S&P Indices 2018-10-22 Radhika Ojha Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Tagged with: consumers default hurricanes loans mortgage S&P Indices Home / Daily Dose / What did S&P Say About Mortgage Defaults? Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago October 22, 2018 2,159 Views Servicers Navigate the Post-Pandemic World 2 days ago Previous: FHA Issues New Requirements Next: An Outlook on the Housing Market Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Subscribe Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Print This Post About Author: Radhika Ojha Share Save Consumer credit default rates for mortgages have remained fairly stable in 2018, according to the latest S&P/Experian Consumer Credit Default Indices. The data indicated that first mortgage default rate decreased by two basis points to 0.63 percent in September, compared with 0.65 percent in August 2018. On a year-over-year basis, the index indicated that first mortgage defaults were down three basis points from 0.66 percent during the same period last year.The S&P/Experian Consumer Credit Default Indices represent a comprehensive measure of changes in consumer credit defaults. The composite rate of all consumer credit defaults (auto, credit card, and mortgage) was down five basis points compared to August 2018 at 0.82 percent. The largest month-over-month drop in defaults was seen in bank card defaults, which fell 38 basis points to 3.14 percent.The five major metropolitan areas covered by these indices—Dallas, Los Angeles, Chicago, New York, and Miami—recorded a decrease in composite default rates, with Dallas registering the largest drop falling 11 basis points to 0.73 percent in September. The default rate in Miami saw the smallest drop falling just one basis point to 1.56 percent.”Consumer credit default rates for mortgages and auto loans are stable, while default rates for bank cards declined modestly in the last few months,” said David M. Blitzer, Managing Director and Chairman of the Index Committee at S&P Dow Jones Indices. “With the low unemployment rate and some improvement on wage gains, consumers are not facing rising economic pressure.”Attributing the current “good consumer credit default pattern” to favorable incomes and slowing auto and home sales, Blitzer said that soft retail sales growth had contributed to improvements in the bank card default picture.Looking ahead, Blitzer said that the current hurricane season would have a short-term impact in retail sales in the impacted areas. “However, this is likely to be followed by rising retail sales and spending combined with weaker consumer financial conditions for consumers in affected regions. Depending on the extent and severity of the storm damage, consumer credit default rates in some regions could rise during the rest of 2018,” he said.
Category: laxaiplyfgakyiex Rotarians learn American history at weekly meeting
Category: laxaiplyfgakyiex Coronavirus updates: US reports more than 38,800 new cases in a single day
Ovidiu Dugulan/iStockBy MORGAN WINSOR, ABC News(NEW YORK) — A pandemic of the novel coronavirus has now killed more than 501,000 people worldwide.Over 10.1 million people across the globe have been diagnosed with COVID-19, the disease caused by the new respiratory virus, according to data compiled by the Center for Systems Science and Engineering at Johns Hopkins University. The actual numbers are believed to be much higher due to testing shortages, many unreported cases and suspicions that some governments are hiding the scope of their nations’ outbreaks. Since the first cases were detected in China in December, the United States has become the worst-affected country, with more than 2.5 million diagnosed cases and at least 125,803 deaths.Here’s how the news is developing Monday. All times Eastern:7:12 a.m.: Trump secures half a million treatment courses of remdesivirU.S. President Donald Trump has secured half a million treatment courses of remdesivir for American hospitals through September, Health and Human Services Secretary Alex Azar announced Monday. It’s the first antiviral medication to show effectiveness against the novel coronavirus in human clinical trials. “This is the drug that, if you’re hospitalized, can reduce the length of your stay by a third,” Azar told ABC News chief anchor George Stephanopoulos in an interview Monday on Good Morning America.The deal between the Trump administration and California-based drugmaker Gilead Sciences allows U.S. hospitals to purchase remdesivir in amounts allocated by the Department of Human and Health Services as well as state health departments. The federal government is working with states to make sure the drug “gets to the hospitals most in need,” Azar added.Gilead originally developed remdesivir to treat patients with Ebola virus disease. In May, the Food and Drug Administration authorized the drug for emergency use to treat patients hospitalized with severe cases of COVID-19. Since then, the U.S. government has been distributing treatment courses of remdesivir that were donated by Gilead. There is currently no FDA-approved products to treat or prevent COVID-19. Gilead announced Monday that it will charge $2,340 for a typical treatment course of remdesivir for patients covered by government health programs in the United States and other developed nations where the drug is authorized for use. The price would be $3,120 for patients with private health insurance in the United States.6:18 a.m.: Over 200 urged to quarantine after positive case at a Planet FitnessMore than 200 people in West Virginia are being asked to quarantine themselves and watch for symptoms after a gymgoer tested positive for COVID-19.The positive case is a client of Planet Fitness on Fort Pierpont Drive in Morgantown, and the Monongalia County Health Department is now urging members who were there between 9 a.m. and 3 p.m. local time on June 24 to stay home for 14 days since being exposed. An estimated 205 people were at the gym during that window of time.“They also should do their best to stay away from others in their household,” Dr. Lee B. Smith, Monongalia County health officer and executive director of the county’s health department, said in a statement Saturday. “Ways to do this would be to stay primarily in one area of the home and to wear a mask if you must be around others.”Individuals should not leave their homes until July 8 or unless to seek medical care. Those who develop symptoms should contact their primary care provider and get tested.West Virginia has seen an uptick in coronavirus infections in recent weeks. In the past 10 days, the Mountain State has reported an increase of about 400 COVID-19 cases. In the 10 days prior to that, the case count climbed by about 240, according to health officials.As of late Saturday afternoon, West Virginia had reported a total of 2,782 confirmed COVID-19 cases. Monongalia County currently has 152 cases, up 21 cases in the past 10 days, health officials said.Residents are encouraged to wear masks in public, wash hands thoroughly and often, and maintain a distance of six feet from others.“These measures have proven to slow the spread of COVID-19,” Dr. Smith said. “If we want to continue to open up businesses and avoid the need to reverse some of the steps we have taken, people must take these precautions seriously.”5:52 a.m.: New York records lowest rise in deaths since MarchNew York Gov. Andrew Cuomo announced on Sunday the state’s lowest death toll and hospitalizations from COVID-19 since the pandemic began.Just five new deaths were reported in New York state on Saturday — the lowest single-day increase since March 15. The statewide death toll now stands at 24,830, according to Cuomo.Hospitalizations also continued to drop — now below 900 — and less than 1% of COVID-19 tests were positive on Saturday, Cuomo said.There were 616 new cases confirmed, bringing the statewide total to 392,539, according to Cuomo.New York, once the epicenter of the coronavirus epidemic in the United States, and other northeastern states have made major progress in recovering from their outbreaks. Meanwhile, several southern and western states are experiencing an alarming surge in new infections.An ABC News analysis found that seven states — Arizona, Florida, Georgia, Idaho, South Carolina, Tennessee and Utah — have seen a record number of new cases since Friday.4:39 a.m.: China sees decline in new casesChina on Monday reported just 12 new confirmed cases of COVID-19 and no new deaths, as the country which was the original epicenter of the coronavirus pandemic continues to see a downward trend in infections.Five of the new cases were imported from overseas while seven were cases of domestic transmission in Beijing, where more than eight million of the city’s 21 million residents have been tested for the novel coronavirus in recent weeks. The Chinese capital has seen a recent spike in infections, though the number of new cases reported there on Monday was down by half from the previous day, according to China’s National Health Commission.Overall, the Chinese mainland has reported 83,512 confirmed cases of COVID-19 with at least 4,634 deaths. There are still 418 patients receiving treatment for the disease, while another 112 are under observation for testing positive without showing any symptoms or for being suspected cases, according to the National Health Commission.3:42 a.m.: US reports more than 38,800 new casesMore than 38,800 new cases of COVID-19 were identified in the United States on Sunday, according to a count kept by Johns Hopkins University.The latest daily caseload is down from the country’s record high of more than 45,000 new cases identified last Friday.The national total currently stands at 2,549,028 diagnosed cases with at least 125,803 deaths.The new cases include people from all 50 U.S. states, Washington, D.C., and other U.S. territories as well as repatriated citizens.By May 20, all states had begun lifting stay-at-home orders and other restrictions put in place to curb the spread of the novel coronavirus. The day-to-day increase in cases then hovered around 20,000 for a couple of weeks before shooting back up to over 30,000 and then crossing 40,000 last week.Nearly half of all 50 states have seen a rise in infections in recent weeks, with some — such as Florida, South Carolina and Georgia — reporting daily records. Copyright © 2020, ABC Audio. All rights reserved.