Why it’s better to be first than it is to be better

first_img Why it’s better to be first than it is to be better AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter 3rd September 2018 | By Joanne Christie Nick Garner explains how the law of leadership from the book The 22 Immutable Laws of Marketing can be applied to the igaming industry Nick Garner explains how the law of leadership from the book The 22 Immutable Laws of Marketing can be applied to the igaming industry.This is part of a series of articles on marketing strategy based on the seminal book by Al Ries and Jack Trout. This book outlines the foundation principles for anyone involved in marketing strategy.The first law is: leadership — it’s better to be first than it is to be better.If you can be first in an emerging market category, you’re in a very strong position. If you come into the market too late, even if your service is better than the incumbent, it will be a huge battle to overcome the ‘first winner’.The thinking behind the ‘law of leadership’ If I ask you which was the first betting exchange, what would you say? You might say Betfair. If I ask you which was the second betting exchange, would you remember? From a competitive point of view, it’s far easier to succeed if you are the first.People remember the first winners. These first winners are brands that emerged as a market category was forming and broke through to ultimately dominate that market category for years to come.If the market category breaks through and becomes huge, those first winner brands also become giants.If you weren’t lucky enough to be one of the first winners and you want to get into an existing market, you have to accept that you’re either going to need to spend a huge amount of money or find a relatively uncompetitive market segment where you know you’ve got a good enough offering to overcome the inertia from not being the first winner.The key is to pick the battle you can win. And this is where finding your own category and being first is ideally best.For example, I mentioned Betfair as the first betting exchange, but it wasn’t actually the first. In the same year Betfair was founded, Flutter.com was also started and the two operators competed against each other until 2002, when Betfair bought Flutter out to kill off the brand.However, it turns out the founders of Flutter.com were trying to develop the wrong market category: exchange betting for player-created markets. In other words, player ‘a’ would use Flutter.com to set up a bet with player ‘b’ for some event they both cared about.Of course, Flutter.com offered betting on general sports events, but it didn’t focus on making mass market betting more efficient, as Betfair did.The irony was that Flutter.com had a 2.5% commission on winnings, whereas at the time Betfair’s commission was roughly 4.5% on winnings, but Flutter.com was caught out by focusing on a dud emerging category.Betfair managed to get traction, could get hold of the necessary money to buy out Flutter and thus ended up owning 98% of the exchange betting market category.What is a good category? I’ve spent many years looking at this question and I’ve noticed whenever there is some kind of enabling technology advancement that adds value to wealth creation, user experience or igaming legislative change, such as the ones we see in the UK at the moment, opportunity opens up.Simply, a good winnable category is one where you have a competitive advantage to overcome the weak emerging competition and enough inside knowledge to know that category is going somewhere.If you’re very lucky or on point, you might create your own market category, and by definition you are the first winner if that category has traction.When there is change and turbulence, there’s opportunity.In my own experience, I saw the emergence of blockchain and cryptocurrency as a huge long-term enabler for the borderless flow of money. Today, cryptocurrency is money for the internet. And where there’s borderless, global, frictionless money exchange for the internet, there will be gambling.When I saw what cryptocurrency could give people, being within the igaming sector it just made sense to get on and set up my own crypto casino: Oshi.io.I will admit that I would have been better off starting one year earlier… but in the big picture, I did get in early enough to carve out my place within this emerging market category.The greatest game changer for gambling in the last 10 years has been mobile. It’s gambling in your pocket, tied in with a device you always keep close by. The mainstream brands started by offering a good mobile gambling experience, but LeoVegas offered a ‘mobile-first’ gambling experience.Since LeoVegas was one of the early winners for ‘mobile-first gambling’, it  consolidated and grew in line with the growth of mobile gambling.Stick to what you know There are a constant flow of innovations and any one of these could turn out to be huge. By the law of probability most innovations fail, so the key is sticking to what you know and looking at the innovations that are likely to come through in that area.For example, virtual reality (VR) gambling has been talked about for a few years, ever since VR headsets started to percolate into the market via gamers. On the surface VR gambling is very interesting. However, when you get into the detail, you realise there are certain constraints that are hard to overcome.VR headsets need powerful computers to run them and they are a hassle to wear. Many people feel dizzy using them and while having virtual lobbies with casino games in them is very stimulating, most people will never get to that point because of the difficulties with VR headsets.To me the VR gambling category isn’t great, but if you could combine effortless virtual reality with smartphone handsets, then it could get interesting because of the huge dependence people have on their phones.If you’re lucky enough to have large amounts of funding, you can do what the big operators do and wait it out, keep a close eye on emergent businesses that have been successful within a new market category and buy out that whole business. From there you can build on that already successful brand and grow within the new market category.This buyout model seems to be something we hear more about because of the prolific number of buyouts by organisations such as Google and Facebook, and, of course, The Stars Group.Being the first winner in a market category is ideal. Your fortunes will rise with the growth of that market category and ultimately, unless you make a huge mistake, you will be unassailable.Next time, we’ll talk about the law of category: if you can’t be first in a category, set up a category you can be first in.Nick Garner is founder of Bitcoin casino Oshi.io and has a background in online marketing and marketing strategy. He occasionally consults with igaming brands on marketing strategy and best practice planning for marketing operations.Related articles: 22 immutable laws of marketing Subscribe to the iGaming newslettercenter_img Bingo Tags: Card Rooms and Poker Mobile Online Gambling Topics: Casino & games Marketing & affiliates Sports betting Bingo Poker Email Addresslast_img read more

Diamond Bank Nigeria (DIAMON.ng) 2013 Abridged Report

first_imgDiamond Bank Nigeria Plc (DIAMON.ng) listed on the Nigerian Stock Exchange under the Banking sector has released it’s 2013 abridged results.For more information about Diamond Bank Nigeria Plc (DIAMON.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Diamond Bank Nigeria Plc (DIAMON.ng) company page on AfricanFinancials.Document: Diamond Bank Nigeria Plc (DIAMON.ng)  2013 abridged results.Company ProfileDiamond Bank Nigeria Plc is a financial services institution in Nigeria operating in the treasury, business banking, corporate banking and retail banking sectors. The company offers a full service bank of products and services ranging from transactional accounts, electronic banking and money transfer services to securities dealing and custodian services; personal, automotive and home loans; MSME loans and diamond leasing services and investment and advisory services. Diamond Bank Nigeria Plc also offers, among others, life insurance products; foreign exchange services; cash management services; capital management and trade services; import finance; treasury bills and investment notes and working capital finance and contract financing. The financial institution’s head office is in Lagos, Nigeria. Diamond Bank Nigeria Plc is listed on the Nigerian Stock Exchangelast_img read more

With house prices set to fall, I’d avoid buy-to-let in 2020 and buy UK shares

first_img House prices have been one of the big winners of 2020. They’ve increased by around 7% for the year, according to research by lender Nationwide. This has helped buy-to-let investors at a time when rents across the country are under pressure. But this bump could be short-lived. Some analysts are predicting a slump in property prices next year when the stamp duty holiday comes to an end. With that in mind, I’d avoid buy-to-let property and buy UK shares for 2021 instead. 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…Buy-to-let challenges As noted above, analysts are expecting property prices to fall in 2021. There are two reasons why.First, the end of the stamp duty holiday will depress demand. Prices have increased this year as buyers have rushed to complete sales before the end of the holiday. Secondly, buyers have been snapping up properties outside cities. This so-called ‘race for space’ has pushed home prices up rapidly in the most desirable commuter towns. Both of these tailwinds may dissipate in 2021, which may leave the property market gasping for air. Rising unemployment and high property prices will make it harder for buyers, and that could lead to a drop off in demand when the temporary tailwinds are removed. As such, I think UK shares could be a better investment for 2021. Buying UK shares A portfolio of UK stocks may provide significantly more diversification than buy-to-let property. Indeed, rental property is an exact bet on the state of the UK housing market. Meanwhile, investors can gain access to different sectors and industries by using UK shares. For example, BAE Systems is one of the world’s largest defence companies. Ethical considerations aside, this business is extremely defensive. Contracts signed with government bodies usually run for many years, which provides a steady income stream for the group.What’s more, the company also owns a portfolio of intellectual property. This gives it a competitive advantage over other businesses which may be competing for similar agreements. I’d much rather own a company with the sort of predictable income stream available to BAE over buy-to-let property with the sector’s deteriorating outlook. Another option is IT infrastructure consultant Computacenter. As the world becomes more and more reliant on technology, I reckon the demand for this company’s services will continue to increase.  It already looks as if 2020 is going to be a bumper year for the enterprise. With profits set to expand by a double-digit percentage, shares in the business have jumped nearly 30%. It would be challenging to achieve the same sort of returns with buy-to-let property. With these sorts of returns on offer, it’s clear to me why UK shares could be a better investment than buy-to-let property in 2021. The ability to diversify across several sectors and industries is also desirable, and I think this could lead to increased total returns in the long run. See all posts by Rupert Hargreaves Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Our 6 ‘Best Buys Now’ Shares 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. Simply click below to discover how you can take advantage of this. Rupert Hargreaves | Saturday, 19th December, 2020 | More on: BA CCC Enter Your Email Addresscenter_img “This Stock Could Be Like Buying Amazon in 1997” With house prices set to fall, I’d avoid buy-to-let in 2020 and buy UK shares 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. 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. Image source: Getty Images Rupert Hargreaves owns no share mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned 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.last_img read more

England rugby: Long-term contract for Lancaster represents a gamble

first_imgDefining moment: Manu Tuilagi helps England to a famous victorySince taking over, his results have been of the steady, slow-burn nature rather than spectacular. A 6o per cent win rate in 30 games in charge is consistent, while three creditable second-place Six Nations finishes, with only a Gael Fickou step to deny him England’s first Grand Slam in 11 years, a reasonable return. The nadir came in March 2013, with the 30-3 mauling at the Millennium Stadium against a fired-up Welsh side but Lancaster, importantly, didn’t buckle. The stand-out result is easy, a dismantling of the All Black machine 38-21 at Twickenham, in the only game Steve Hansen’s men have lost since 2011.Away from scoreboard and looking at the wider picture, Lancaster can take credit for reshaping the squad to reflect his values. Low-key, humble and driven are all adjectives you’d use to describe the new England and that has made them a marketable commodity with the sponsors who have been wooed by their exemplary behaviour to furnish the Union’s coffers.Nadir: Stuart Lancaster was dejected after England’s loss against Wales in 2013The long-term contracts are also commendably aimed at taking some of the pressure off the coaches to allow them to further plan beyond 2015 and towards the World Cup in Japan in 2019 where they reap the benefit of two consecutive Junior World Cup winners squads, replete with tantalising talent in the form of Henry Slade, Sam Hill, Anthony Watson, Jack Nowell and Luke Cowan Dickie. You cannot blame any coach for wanting to work with that potential. TAGS: Highlight When the news hit the wires, or in more modern parlance, timelines of England fans, stating that Stuart Lancaster and his coaching team, Andy Farrell, Mike Catt and Graham Rowntree had signed six-year contract extensions to take them to 2020, the first thing that sprang to mind was the eight-year contract offered to the embattled Newcastle manager Alan Pardew. Whether RFU Chief Executive Ian Ritchie will be as reluctant to pay out as Mike Ashley seems, should results take a turn for the worse, is a moot point but whatever your take, it is some gamble by the convivial former All England Club chief executive.One the one hand, it’s a move designed to bring reassurance and remove any elements of instability to a coaching group that would be forgiven for raising a few beers in the direction of Twickenham this evening. On the other, it could be argued that Stuart Lancaster should have been made to wait until after the perilous Pool stages at the Rugby World Cup had been negotiated before any lucrative deal was rubber stamped.Working relationship: Lancaster and Ritchie have brought stability to the RFUIt seems Ian Ritchie has gone with the carrot, not the stick his playing his hand early. He has been at pains to stress that he cannot hypothesise as to future results but he can only look at history for two Test cases that brought very different end results. In 1999, the right boot of Jannie de Beer sent Clive Woodward scurrying back to his bunker to await his fate before, after some deliberation, he was given a reprieve and he duly repaid the faith the RFU had invested in him by spiriting the World Cup from under the noses of the Australian’s four years later in Sydney.Only the flip side, four years later, Ireland coach Eddie O’Sullivan was rewarded with a fresh four-year contract, before the 2007 Rugby World Cup, and saw his regime unravel before the ink dried as they crashed out of the tournament and lost their lustre months later in the Six Nations. O’Sullivan was a footnote in the IRFU’s history merely six months later.The RFU’s announcement was always bound to raise eyebrows. A six-year coaching term is rare in a market as volatile as international sport but it speaks volumes for the job Stuart Lancaster has done to change the culture within England. This, less than three years since the RFU was mired in leaks, poor discipline and most importantly, limp on-field performances. Job well done: Stuart Lancaster and his England coaches have been offered six-year contracts LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Eyebrows were raised when it was announced Stuart Lancaster had been handed a long-term contract but only serves to show the faith Ian Ritchie has in the modest Cumbrian That’s enough of the theory, and you wish Lancaster good luck. He’ll be all too aware that should Australia and Wales humiliate England on home-soil in next year’s World Cup, leaving England to host a competition they’re no longer part of, then he may find a darkening in Ian Ritchie’s tone as England’s supremo is left with the same choice as Francis Barron had in 1999. To stick or twist. For England’s supporters, they will hope he’s is not faced with that unpalatable scenario.last_img read more

Safari Residential Apartment / Ashari Architects

first_img Iran Year:  Apartments Architects: Ashari Architects Area Area of this architecture project Safari Residential Apartment / Ashari Architects Safari Residential Apartment / Ashari ArchitectsSave this projectSaveSafari Residential Apartment / Ashari Architects Area:  1300 m² Year Completion year of this architecture project ArchDaily Photographs “COPY” CopyAbout this officeAshari ArchitectsOfficeFollowProductsWoodSteelBrick#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsBuildingsResidentialShirazIranPublished on December 23, 2017Cite: “Safari Residential Apartment / Ashari Architects” 22 Dec 2017. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogAluminium CompositesTechnowoodHow to Design a Façade with AluProfile Vertical ProfilesSynthetics / AsphaltMitrexSolar RoofMetal PanelsAurubisCopper Alloy: Nordic RoyalPlumbingSanifloGreywater Pump – Sanifast®SWH190WoodLunawoodInterior ThermowoodMembranesEffisusAVCL Systems for FacadesSinksCosentinoBathroom Collection – Silestone® WashbasinsDoorsStudcoPocket Door Trims – CavKitWoodStructureCraftEngineering – Architectural & FreeformMetal PanelsRHEINZINKPanel Surface Finish – prePATINA-LineHanging LampsEureka LightingSuspended Lights – BloomMetallicsBaileyFacade Systems- I-Line Snap-On Feature ChannelMore products »Save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 ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/885688/safari-residential-apartment-ashari-architects Clipboard AmirHossein Ashari Photographs:  Parham Taghioff Manufacturers Brands with products used in this architecture project Executive:Ali SafariExecutive Associates:Asghar Gerami, Ayoob HashemiResearch:Elnaz Amini3 D Modeling:Amir Iranidoost Haghighi, Mostafa Yektar ZadeGraphic (Diagram):Sara Zahmatkeshfard ShiraziDesign Associates/Team:Zahra Jafari, Amir Iranidoost Haghighi, Afshin AshariCity:ShirazCountry:IranMore SpecsLess SpecsSave this picture!© Parham TaghioffRecommended ProductsLightsLonghiLamp – AkileleFiber Cements / CementsRieder GroupFacade Panels – concrete skinEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsEnclosures / Double Skin FacadesRodecaRound Facade at Omnisport Arena ApeldoornText description provided by the architects. The Safari Residential Project is located at the southeast of Shiraz, one of the oldest part of the city. Today, the attention of the architects in the city is more focused on the wealthy areas and there is a lack of innovative projects in such poor areas. The site context’s situation is in decline, and architecture is being oblivious, which has affected the city fabric structure and visual aspect of the region. To this end, the initial perspective on the creation of this project is a slight attempt to revive the recession situation of the design site.Save this picture!© Parham TaghioffThe idea of the design was based on creating a connecting and reliant element on all floors. This central element, which is in the inner shell of the bricks, has the effect of the transition from the two-dimensional façade to three dimension object. By rotating and bend the wall of this core object (ring), a part of interior private space is dedicated to the terrace space and the building façade was formed as the interface between urban space and the interior of the building. As a result, the living and dining room created on each floor. Accordingly, more and more of the spaces inside and outside were merged, which helped to create more various view angles on the façade external view.Save this picture!© Parham TaghioffThe private walls (The rooms) also reached a higher level of privacy with a slight retreat while having a terrace. The formation of the three-dimensional façade helped to create a hierarchy and distinguish between the private and public area of residential units in the exterior façade. Due to limitations that the municipality faced in the absence of aristocracy in the vicinity of the neighbourhood, we had to close the view to a height of 1.7 meters. Our idea to capture the maximum visual aspect of the exterior space was to create a porous brick shell which merged from the façade itself. Creating these brick lattice walls, in addition to a close direct view of the outside, caused the viewer not to be seen within these spaces and at the same time using the space. The underside of this lattice wall is open and strips are implemented for vegetation growth which limits the view as well.Save this picture!Facade DiagramSave this picture!Vision DiagramBy using the natural light, instead of unformed lighting, we tried to create an emotional mood in the inhabitants by creating the optical contrast and passing it from “Fakhro Madins”. In addition, during the night, the illumination of the interior from the outside helped to create visual appeal and visibility. In addition to implement the brick grids, in order to sequence and transform the natural light, in parts of the bricks of the façade, by twisting about 20 degrees of bricks in a 180degree arc, it tries to play light and shadow, and eventually create dynamism and change. We had a texture at different times, Plus the use of glass bricks as transparent materials and light controllers in a linear view of the daylight in the interior.Save this picture!© Parham TaghioffProject gallerySee allShow lessAnkara Office Tower / Anmahian Winton ArchitectsSelected ProjectsElwood House / STAR ArchitectureSelected ProjectsProject locationAddress:Shiraz, Fars Province, IranLocation to be used only as a reference. It could indicate city/country but not exact address. Share 2017 Projects Manufacturers: Ghazvin Glass, Nekooyi wood supply, Parvaran, Shiraz Brick CopyApartments, Residential•Shiraz, Iran Lead Architects: “COPY” Save this picture!© Parham Taghioff+ 18 Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/885688/safari-residential-apartment-ashari-architects Clipboardlast_img read more

Ethanol, the Key to Recovery of the Farm Economy

first_imgHome Indiana Agriculture News Ethanol, the Key to Recovery of the Farm Economy SHARE By Gary Truitt – Feb 22, 2017 Facebook Twitter Ethanol, the Key to Recovery of the Farm Economy Ethanol, the Key to Recovery of the Farm EconomyMatt MerrittThe U.S. ethanol industry added $42.1 billion to the nation’s gross domestic product and supported nearly 340,000 jobs in 2016, according to a just released study. The report suggests that continued  growth of the renewables sector is the key to recovery  in the farm economy. Matt Merritt, with POET, the nation’s largest ethanol producer and operator of the majority of ethanol plants in Indiana, says the key to turning the current dismal farm economy around is growth in the ethanol sector, “Ethanol can play the most important role in overcoming the challenges that face rural America.”Merritt points to history as his proof, “When the ethanol industry was growing and expanding, land prices were going up, corn prices were going up, that is when farm incomes were going up. I don’t think it is a coincidence that when the ethanol industry stopped growing that is when ag producers started facing their challenges.”“The importance of the ethanol industry to agriculture and rural economies is particularly notable,” the study found. According to the analysis, the production and use of 15.25 billion gallons of ethanol last year also:contributed nearly $14.4 billion to the U.S. economy from manufacturing;added more than $22.5 billion in income for American households;generated an estimated $4.9 billion in tax revenue to the Federal Treasury and $3.6 billion in revenue to state and local governments;displaced 510 million barrels of imported oil, keeping $20.1 billion in the U.S. economy.“As these figures show, growth of the U.S. ethanol industry clearly ripples throughout our economy,” said Renewable Fuels Association President and CEO Bob Dinneen. “Our industry produced nearly 340,000 jobs last year and displaced more than 500 million barrels of imported oil, bringing well-paid jobs to local communities that are helping a domestic energy industry. The footprint of the U.S. ethanol sector touches every consumer in every city. This study provides definitive proof that the U.S. ethanol industry is helping to power the country’s economic engine.”“The ethanol industry is a strong contributor to the U.S. economy, bringing jobs and tax revenue, while helping to displace imported oil,” said Economist John Urbanchuk, the study’s author and a managing partner at ABF Economics. “Continued growth and expansion of the ethanol industry through new technologies and feedstocks will enhance the industry’s position as the original creator of green jobs, and will enable America to make further strides toward energy independence.”Merritt urged all farmers to support renewable fuels as a way of bringing profitability back to the farm economy, “We are pushing e-15 into the marketplace. We need to get the product in front of consumer so they can see the great benefits.”  He added, while e-15 is slow to penetrate the Midwest, it is going very well in large East Coast gasoline markets. SHARE Previous articleFighting Corn and Soybean Disease in 2017Next articleRyan Martin’s Indiana Ag Forecast for February 23, 2017 Gary Truitt Facebook Twitterlast_img read more

State broadcaster fires 20 journalists for “narrow political views”

first_img May 18, 2021 Find out more EthiopiaAfrica EthiopiaAfrica February 10, 2021 Find out more The 20 journalists were denied entry to ORTO headquarter on 25 June and were effectively dismissed without any explanations other than their alleged “narrow political views,” an assessment the management reached at the end of a workshop for journalists and regional government officials that included discussions on the controversial Master Plan of Addis that many activists believe is aimed at incorporating parts of Oromia into the federal city of Addis Ababa.The journalists had reportedly expressed their disagreement with the violence used by the police in May to disperse student protests against the plan, resulting in many deaths. It is not yet clear whether the journalists may also be subjected to other administrative or judicial proceedings.“How can you fire journalists for their political views?” said Cléa Kahn-Sriber, the head of the Reporters Without Borders Africa desk. “The government must provide proper reasons for such a dismissal. Does it mean that Ethiopia has officially criminalized political opinion ?“In our view, this development must be seen as an attempt by the authorities to marginalize and supress all potential critiques ahead of the national elections scheduled for 2015 in Ethiopia. These journalists must be allowed to return to work and must not be subjected to any threats or obstruction.”Ethiopia is ranked 143rd out of 180 countries in the 2014 Reporters Without Borders press freedom index. Reporters Without Borders condemns last week’s politically-motivated dismissal of 20 journalists from Oromia Radio and Television Organization (ORTO), the main state-owned broadcaster in Oromia, Ethiopia’s largest regional State. June 30, 2014 – Updated on January 20, 2016 State broadcaster fires 20 journalists for “narrow political views” News News RSF_en Receive email alerts Newscenter_img to go further Journalist attacked, threatened in her Addis Ababa home RSF condemns NYT reporter’s unprecedented expulsion from Ethiopia May 21, 2021 Find out more (photo : Muktar Kedir, President of the Oromia regional state) Organisation Follow the news on Ethiopia Help by sharing this information Ethiopia arbitrarily suspends New York Times reporter’s accreditation Newslast_img read more

A shot in the arm: EU vaccine program struggles to speed up

first_img WhatsApp By Digital AIM Web Support – April 6, 2021 TAGS  Twitter Pinterest Pinterest Facebook A shot in the arm: EU vaccine program struggles to speed upcenter_img Facebook Local NewsBusiness FILE – In this Saturday, Dec. 26, 2020 file photo, medical staff receive part of a Pfizer-BioNTech Covid-19 vaccine shipment at the UZ Leuven hospital in Leuven, Belgium. EU leaders on Thursday, Feb. 25, 2021, during an EU summit video conference, will look at ways to improve the vaccine rollout, as they press pharmaceutical companies to respect the terms of their contracts with the 27-nation bloc. WhatsApp Twitter Previous articleSteelers planning on Roethlisberger’s return in 2021Next articleSky Labs CART-I wurde zu einer klinischen Studie von Professor Betts von der Universität Oxford eingeladen Digital AIM Web Supportlast_img read more

First Mortgage Default Rates Slide in April

first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Black Knight CoreLogic default Experian Frank Nothaft Mortgage Bankers Association (MBA) S&P Dow Jones Indices S&P/Experian Consumer Credit Default Indices U.S. Department of Labor Share Save Eric C. Peck has 20-plus years’ experience covering the mortgage industry, he most recently served as Editor-in-Chief for The Mortgage Press and National Mortgage Professional Magazine. Peck graduated from the New York Institute of Technology where he received his B.A. in Communication Arts/Media. After graduating, he began his professional career with Videography Magazine before landing in the mortgage space. Peck has edited three published books and has served as Copy Editor for Entrepreneur.com. First Mortgage Default Rates Slide in April The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago  Print This Post Related Articlescenter_img About Author: Eric C. Peck 11 days ago 729 Views The Best Markets For Residential Property Investors 2 days ago Home / Daily Dose / First Mortgage Default Rates Slide in April Previous: Savvy Homeowners Aim to Profit in Strong Sellers’ Market Next: A Look at Home Values in Communities of Color Servicers Navigate the Post-Pandemic World 2 days ago S&P Dow Jones Indices and Experian has released its latest S&P/Experian Consumer Credit Default Indices, which found that in April 2021, the composite rate was four basis points lower at 0.50%, with the first mortgage default rate decreasing four basis points to 0.33%. Year-over-year, first mortgage default rates stood at 0.66% in the midst of nationwide stay-at-home orders due to the pandemic.The S&P/Experian Consumer Credit Default Indices measures changes in consumer credit defaults, and in addition to first mortgages, measures bank card defaults and auto loan defaults.Unemployment numbers continue to take steps in the right direction as more and more Americans are regaining their financial footing after a year of the pandemic. Just last week, the U.S. Department of Labor reported unemployment claims at 473,000, a decrease of 34,000 from the previous week’s level, and the lowest level for initial claims since March 14, 2020 when it was 256,000.Regionally, four of the five major metropolitan statistical areas (MSAs) showed lower default rates in April compared to March. Miami saw the largest drop, falling 19 basis points to 1.04%. Chicago decreased nine basis points to 0.50%, while Dallas was down eight basis points to 0.51%. New York was three basis points lower at 0.83%. Los Angeles was the only MSA that increased, up two basis points to 0.52%.According to Black Knight, nearly 250,000 forbearance plans list expiration dates in May 2021, meaning that next month’s S&P/Experian Consumer Credit Default Index may see a rise in first mortgage default if those homeowners do not execute workouts with their servicers.And with first mortgage default rates holding at 0.33%, servicers are bracing for a potential flood of requests for forbearance extensions to curb any sort of rise in delinquencies as the nation’s economy looks to regain its footing.“Some families that had overspent during the year-end holiday season, and then faced financial stress in the new year, may slip behind on a mortgage payment by February,” recently said CoreLogic Chief Economist Frank Nothaft. “During each of the last five years, the 30-day delinquency rate moved higher from January to February. With economic conditions improving, we expect delinquency rates to move lower in coming months.”Further, in Q1, the Mortgage Bankers Association (MBA) reported the delinquency rate for mortgage loans on one-to-four-unit residential properties decreased to a rate of 6.38% of all loans outstanding. The MBA includes loans in forbearance if the payment was not made based on the original terms of the mortgage. MBA’s research shows the delinquency rate dropped 35 basis points from Q4 of 2020, and experts at the MBA says there has never been such a substantial decline in the delinquency rate over such a short period of time. Data Provider Black Knight to Acquire Top of Mind 2 days ago in Daily Dose, Featured, Journal, Market Studies, News Demand Propels Home Prices Upward 2 days ago Black Knight CoreLogic default Experian Frank Nothaft Mortgage Bankers Association (MBA) S&P Dow Jones Indices S&P/Experian Consumer Credit Default Indices U.S. Department of Labor 2021-05-19 Eric C. Peck Subscribelast_img read more

Only two sites in Letterkenny MD registered as ‘derelict’

first_img Twitter WhatsApp Previous articleTUI pull Mallorca flight from City of Derry AirportNext articleBreaking: Security alert underway in Derry News Highland RELATED ARTICLESMORE FROM AUTHOR DL Debate – 24/05/21 News, Sport and Obituaries on Monday May 24th Facebook WhatsApp Twitter By News Highland – January 21, 2019 Google+ Arranmore progress and potential flagged as population grows center_img Only two sites in Letterkenny MD registered as ‘derelict’ Pinterest Facebook Pinterest Loganair’s new Derry – Liverpool air service takes off from CODA Google+ It’s been revealed that just two derelict sites are currently registered in the Letterkenny Municipal District.The two sites in question are situated in Ramelton and Fanad, with none registered in Letterkenny town itself.The low number has caused concern that not enough is being done by the local authority in assessing buildings in the area.Cllr Gerry McMonagle says it’s clear that Donegal County Council do not have the resources to paint the real picture.He’s calling on them to do more:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2019/01/gerryvhjhgjghjghderelict1pm.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. AudioHomepage BannerNews Important message for people attending LUH’s INR clinic Nine til Noon Show – Listen back to Monday’s Programmelast_img read more

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