Money – Templo Do Conhecimento http://templodoconhecimento.com/ Fri, 30 Apr 2021 05:58:27 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.1 https://templodoconhecimento.com/wp-content/uploads/2021/04/cropped-icon-32x32.png Money – Templo Do Conhecimento http://templodoconhecimento.com/ 32 32 Fury in Japanese city sheds light on Fukushima’s legacy https://templodoconhecimento.com/fury-in-japanese-city-sheds-light-on-fukushimas-legacy/ https://templodoconhecimento.com/fury-in-japanese-city-sheds-light-on-fukushimas-legacy/#respond Mon, 22 Mar 2021 09:38:11 +0000 https://templodoconhecimento.com/fury-in-japanese-city-sheds-light-on-fukushimas-legacy/ SUTTSU, Japan – It seemed like an easy payday. the Japanese the government was conducting a study of potential locations to store spent nuclear fuel – a review of old geological maps and local plate tectonics research papers. He appealed to localities to volunteer. Participating would not commit them to anything. Haruo Kataoka, the mayor […]]]>


SUTTSU, Japan – It seemed like an easy payday. the Japanese the government was conducting a study of potential locations to store spent nuclear fuel – a review of old geological maps and local plate tectonics research papers. He appealed to localities to volunteer. Participating would not commit them to anything.

Haruo Kataoka, the mayor of a struggling fishing village on the northern island of Hokkaido, raised his hand. His town, Suttsu, could use that money. What could possibly go wrong?

The answer, he learned quickly, was a lot. A resident threw an incendiary bomb on his house. Others threatened to recall the city council. A former prime minister traveled six hours from Tokyo to denounce the plan. The city, which spends much of the year in snowy silence, has been enveloped by a media storm.

There are few places on earth willing to host a nuclear waste dump. Only Finland and Sweden have opted for permanent repositories for the dregs of their atomic energy programs. But Suttsu’s fury is a testament to the deep anxiety that remains Japan 10 years after a huge earthquake and the tsunami caused the meltdown of three nuclear reactors in Fukushima Prefecture, the world’s worst nuclear disaster since Chernobyl.

The black mark left on the Japanese nuclear industry has profound implications for the country’s ability to power the world’s third-largest economy while meeting its obligations to fight climate change. Of Japan’s more than 50 nuclear reactors, all of which were shut down after the disaster of March 11, 2011, only nine have restarted and the problem continues to be politically toxic.

As Japan’s share of nuclear power has fallen by about a third of total single-digit single-digit power, the void has been partly filled by coal and natural gas, complicating a promise that the country made at the end of last year to be carbon neutral by 2050.

Even before the Fukushima calamity, which led to three explosions and one emission of radiation that forced the evacuation of 150,000 people, ambivalence towards nuclear energy was deeply rooted in Japan. The country is haunted by the hundreds of thousands of people killed by the atomic bombings of Hiroshima and Nagasaki at the end of World War II.

Yet most Japanese have come to terms with nuclear power, seeing it as an inevitable part of the energy mix of a resource-poor country that must import about 90 percent materials it needs to generate electricity.

After the nuclear disaster, public opinion shifted decisively in the other direction. Added to a newly galvanized anxiety was a new distrust both in the nuclear industry, which had built reactors susceptible to being overwhelmed by natural disaster, and the government, which had allowed this to happen.

A parliamentary commission found that the collapses were the result of a lack of oversight and collusion between the government, the plant owner and regulators.

“The utilities, the government and us nuclear experts kept saying, ‘Don’t worry, there won’t be a serious accident,’ said Tatsujiro Suzuki, director of the Research Center for the abolition of nuclear weapons at Nagasaki University. Now, “people think the industry is not trustworthy and the government pushing the industry is not trustworthy.”

The Japanese government, which has tightened safety standards for nuclear power plants, has announced plans to put more reactors back into service. But Fukushima’s legacy now taints all discussions of nuclear energy, even the question of how to deal with the waste produced long before the disaster.

“Every normal person in town thinks about it,” said Toshihiko Yoshino, 61, owner of a seafood business and oyster shack in Suttsu, who has become the face of opposition to the mayor.

“It’s because this kind of tragedy has happened that we shouldn’t have nuclear waste here,” Yoshino said in an interview at his restaurant, where floor-to-ceiling windows look out to the snow-capped mountains that towering above. Suttsu Bay.

For now, the politics surrounding the waste indicate that, if he is not buried under Suttsu, he will find his way to a place that resembles him: a town worn out by the collapse of local industry and the constant attrition of its population due to migration. and old age.

The central government tried to get local governments to volunteer by offering a payment of around $ 18 million to take the first step, a literature review. Those who take the second step – a geological survey – will receive an additional $ 64.4 million.

Only one other town in the country, neighboring Kamoenai – already next to a nuclear power plant – has joined Suttsu to volunteer.

One thing Fukushima has clarified, said Hirokazu Miyazaki, a professor of anthropology at Northwestern University who has studied how communities were compensated after the disaster, is the need to find a fair way to distribute the social and economic costs of nuclear energy.

The problem is symbolized both by the partly uninhabitable towns of Fukushima and by a battle the government’s plan to release one million tonnes of treated radioactive water from the site into the ocean.

The government says it would make small releases over 30 years without impacting human health. Fishermen in Fukushima say the plan would wipe out their long journey to recovery.

“We have this potentially dangerous technology and we’re still relying on it and we need to have a long-term view of nuclear waste and decommissioning, so we better think of a much more democratic way to manage the costs associated with it.” Mr. Miyazaki said in an interview.

Critics of nuclear power in Japan frequently cite the decades-long failure to find a solution to the waste problem as an argument against restarting the country’s existing reactors, let alone building new ones.

In November, former Prime Minister Junichiro Koizumi took his campaign against nuclear energy to Suttsu at the invitation of local activists. Speaking in the city gymnasium, he said that after visiting Finland’s underground waste storage site – a facility very similar to that proposed by the Japanese government – he decided that Japan’s active geology would make impossible to find a workable location.

Japanese reactors have produced more than 18,000 tonnes of spent fuel over the past half century. A small portion of it was turned into glass – through a process known as vitrification – and wrapped in giant metal cans.

Nearly 2,500 of the huge radioactive tubes are installed in temporary facilities in Aomori and Ibaraki prefectures, waiting to be lowered 1,000 feet below the earth’s surface in vast underground vaults. There they would spend millennia shedding their toxic burden.

It will be decades – if ever – before a site is selected and the project begins in earnest. The Japan Nuclear Waste Management Organization, known as NUMO and represented by a cartoon mole cautiously sticking its muzzle out of a hole, is tasked with finding a final resting place.

Long before accepting NUMO’s offer to conduct a study in his town, Mr. Kataoka, the mayor of Suttsu, took an entrepreneurial view of government grants.

Suttsu has a population of just under 2,900, spread over the rocky edge of a deep Cerulean bay, where fishing boats prowl for mackerel and squid. Beginning in 1999, with government-funded loans, Mr. Kataoka championed an initiative to set up a stand of towering wind turbines along the shore.

Many townspeople were initially opposed, he said in an interview in his office, but the project has yielded good feedback. The city spent the profits from the sale of electricity to pay off its debts. City dwellers have free access to a heated swimming pool, golf course and modest ski slope with cable. Next to a stylish community center, there is a free daycare for the few residents with children.

The facilities are not unusual for small towns in Japan. Many localities have tried to avoid the decline by spending large sums on white elephant projects. In Suttsu, the effect was limited. The city is shrinking and in early March snow piled up to the eaves of newly built but closed stores along Main Street.

Mr. Kataoka appointed Suttsu for the NUMO program, he said, out of a sense of responsibility to the nation. Subsidies, he admitted, are a big plus. But many in Suttsu doubt Mr. Kataoka and the government’s intentions. The city, they say, does not need the money. And they wonder why he made the decision without public consultation.

At a city council meeting on Monday, residents expressed concern that once the process began, it would quickly gain momentum and become unstoppable.

The plan fiercely divided the city. Journalists poured in, putting discord on the national display. A sign in the hotel near the port clearly states that staff will not accept interviews.

In October, an angry resident threw a Molotov cocktail at Mr. Kataoka’s home. He broke a window, but suffocated it without further damage. The author was arrested and is now out on bail. He apologized, Kataoka said.

The mayor remains perplexed by the aggressive response. Mr. Katatoka insisted that the literature review is not a done deal and that the townspeople will have the last word.

In October, he will run for a sixth term. He wants voters to support his proposal, but whatever the outcome, he hopes the city can move forward together.

Losing the election would be bad, he said, but “the saddest thing about it has been losing the city’s confidence.”

Motoko Rich contributed reporting from Tokyo.



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Water rights activists concerned over sale of Poland Spring https://templodoconhecimento.com/water-rights-activists-concerned-over-sale-of-poland-spring/ https://templodoconhecimento.com/water-rights-activists-concerned-over-sale-of-poland-spring/#respond Mon, 22 Mar 2021 09:38:11 +0000 https://templodoconhecimento.com/water-rights-activists-concerned-over-sale-of-poland-spring/ Water rights activists denounced the potential sale of a brand of bottled water on Saturday Poland Spring, claiming that the buyer identified in the reports poses a new threat to state resources. A crowd that organizers say has reached around 100 gathered for the Community Water Justice-sponsored rally to voice concerns. GET FOX BUSINESS ON […]]]>


Water rights activists denounced the potential sale of a brand of bottled water on Saturday Poland Spring, claiming that the buyer identified in the reports poses a new threat to state resources.

A crowd that organizers say has reached around 100 gathered for the Community Water Justice-sponsored rally to voice concerns.

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Nickie Sekera, co-founder of the group, said she was concerned that a private equity firm might be less responsive than Nestle, relieving the company of any responsibility it promised to communities in Maine.

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Nestlé has not been a good neighbor, “but at least a company like Nestlé to some extent will be sensitive to a poor public image,” she said.

Nestlé announced in June that it was considering selling its bottled water brands in North America. In Maine, Nestlé has more than half a dozen water sources and two bottling plants, employing 860 people.

PEPSICO expects revenue to increase in 2021 as vaccines go into effect

Rally participants are worried about reports suggesting the Swiss company is negotiating the potential sale with One Rock Capital Partners LLC, a New York-based private equity firm.

Nestlé declined to comment on the negotiations. A One Rock spokesperson did not return a message.

Brands for sale include Deer Park, Ozarka, Ice Mountain, Zephyrhills, and Arrowhead, in addition to Poland Spring.

ANHEUSER-BUSCH INVESTS $ 1B TO MODERNIZE US FACILITIES

Maulian Dana, Tribal Ambassador for the Penobscot Nation, said the Penobscot people “know how precious and life-giving water is to our tribal communities and the state as a whole.”

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“We oppose the action proposed by Nestlé and One Rock Capital Partners – and remind our friends and neighbors that water is life,” she said in a statement.



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Is environmental activism bad for business? History does not suggest https://templodoconhecimento.com/is-environmental-activism-bad-for-business-history-does-not-suggest/ https://templodoconhecimento.com/is-environmental-activism-bad-for-business-history-does-not-suggest/#respond Mon, 22 Mar 2021 09:38:11 +0000 https://templodoconhecimento.com/is-environmental-activism-bad-for-business-history-does-not-suggest/ Wind turbines at the National Renewable Energy Laboratory Wind Farm are shown in front of snowcapped … [+] mountains near Boulder, Colorado, Wednesday, February 27, 2008. ConocoPhillips’ announcement that it would put a renewable energy research and corporate learning center in Louisville, Colorado, will help make Colorado a leader. leader in alternatives to fossil fuels. […]]]>


One of the big questions facing policymakers is whether to move forward with their climate and environmental goals or relax them during the global health pandemic. The Trump administration chooses the latter, arguing that regulatory pressures on business are, well, bad for business.

The world community is suffering. But a group of prominent academics came to a different conclusion than the White House. the Oxford Smith School of Enterprise and the Environment analyzed the issue and concluded that investing in green technologies is the most effective way to bring an economy back to health. Renewable energy projects and modern electricity grids may provide the most powerful drug, he says, noting that these efforts have a long-term return on investment.

“Green fiscal stimulus programs can act to decouple economic growth from greenhouse gas emissions and reduce existing welfare inequalities that will be exacerbated by the pandemic in the short term and by climate change in the long term,” says Nobel laureate Joseph Stiglitz, British Climate expert Lord Nicholas Stern, Cameron Hepburn, Brian O’Callaghan, Dimitri Zenghelis, author of the just published Oxford study.

They looked at previous economic recoveries and interviewed central bankers and senior economists around the world.

How will this message resonate not only with Republican lawmakers on Capitol Hill, but also with investor groups and voters in general? Congress has enacted nearly $ 3 trillion in stimulus bills so far, with the vast majority to pay for families, small businesses and to help struggling industries. Other invoices are planned. The only area where a compromise is possible is to provide aid to oil and gas drillers in exchange for extending tax breaks to wind and solar developers as well as buyers of electric vehicles.

But the reality is that both sides have returned to their respective corners. the House Republicans on Energy and Trade Committee tweeted that “Americans want relief and results – not radicalism.” Democrats, meanwhile, point to the Obama administration’s success with the new energy economy and how investments in areas such as wind and solar, microgrids and battery storage have advanced the economy. energy and environmentalism – measures that were once called radical but have now become mainstream. .

“Ultimately, in their stimulus packages, governments should prioritize sustainability and equity and accelerate the transition to a net-zero emissions economy to mitigate climate risks, create new jobs and catalyze climate change. sustainable deployment of private capital, ”says a group of shareholder groups of shareholders including CERES, Principles for Responsible Investment and Carbon Disclosure Project. “Stimulus packages that worsen climate change would expose investors and national economies …”

Among the energy companies that support their mission: Edison International

EIX
, Exelon Corp.

EXC
and National Grid

NGG
.

Not as usual

the Pew Research Center finds that two-thirds of American adults don’t think the US government is doing enough to tackle climate change. These results are consistent with the analyzes he performed before the coronavirus. But his study also shows a clear division between the parties on these issues. The only caveat is that Republican millennials and women favor stronger environmental stances.

This may explain why the Trump administration has tried to overturn almost all of the environmental policies set by the Obama administration: energy efficiency standards, mercury rules and carbon limits, to name just three. . In response to the pandemic, the US Environmental Protection Agency has said it is suspending regulatory oversight – a decision that is currently the subject of litigation.

The White House believes in financial aid first. But economic recovery and environmental activism are not mutually exclusive. The Oxford Smith School of Enterprise and the Environment study underscores this. Additionally, using the coronavirus as an excuse to avoid energy and environmental improvements is misguided: not only is it a hard sell in a general election, but also Harvard University Air pollution and COVID-19-related death rates are linked, study finds – that a small increase in particles leads to a large increase in these deaths.

In addition, clean energy is an American success story: employment in the sector has increased by 10.4% since 2015, according to Clean Jobs America 2020 – a report sponsored by E2 and studied by BW Research. In 2019, clean energy accounted for 40% of employment in the energy industry and 2.5% of the country’s overall employment.

The cumulative effect changes minds – on both sides of the aisle. RepublicEn.org, and ConservAmerica are two Republican groups who argue that economic growth and environmental stewardship go hand in hand.

“The only way to create long-term lasting change is for all parties to come together at the table,” adds Michael Cain, president and co-founder of Dallas. EarthxFilm, during an interview with this writer. “We are creating a centrist platform to enter into a sensitive conversation and achieve positive results for the planet. It is a safe space and we want everyone to feel that their voice will be heard.

During times of stress, the natural reflex is to curl up. But if the Great Recession has taught us anything, it’s time to take bold action during tough economic times: it’s good for business and it can be good policy too. The same questions are now before American lawmakers and they will eventually come before the American people.





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Credit bureaus offer free weekly reports until April https://templodoconhecimento.com/credit-bureaus-offer-free-weekly-reports-until-april/ https://templodoconhecimento.com/credit-bureaus-offer-free-weekly-reports-until-april/#respond Mon, 22 Mar 2021 09:38:11 +0000 https://templodoconhecimento.com/credit-bureaus-offer-free-weekly-reports-until-april/ As COVID-19 has slammed the U.S. economy, new scams have surfaced, with criminals hoping to take advantage of people already affected by the pandemic. In response, the three major credit bureaus – Equifax, Experian and TransUnion – began offering consumers weekly access to their credit reports free until April 30, 2021. Key points to remember […]]]>

As COVID-19 has slammed the U.S. economy, new scams have surfaced, with criminals hoping to take advantage of people already affected by the pandemic. In response, the three major credit bureaus – Equifax, Experian and TransUnion – began offering consumers weekly access to their credit reports free until April 30, 2021.

Key points to remember

  • Until April 30, 2021, you can get free copies of your credit reports every week from the three major credit bureaus.
  • Normally, you are allowed free access to each of your credit reports once every 12 months.
  • Regularly reviewing your credit reports can help you spot errors and fraudulent activity.

Why it’s worth checking your credit report

Your credit report is an important indicator of your financial health. If you have bad credit loans can be difficult to get approved for bad credit loans or credit cards. If you do, you will end up paying higher interest rates. The same goes for auto, homeowners and even life insurance premiums in many states.

At the onset of the pandemic, the Consumer Financial Protection Bureau drew attention to the increase in coronavirus-related scams. Depending on the scam, criminals may try to steal your money, credit card information, social security number, or all of the above.

If someone gets their hands on your social security number, they can open fraudulent accounts in your name. In most cases, however, the only way you’ll know it’s happened (until the debt collectors start harassing you) is to check your credit report.

To aid consumers’ vigilance against identity theft, the three major national credit bureaus began offering free credit reports every week until April 2021. Previously, consumers were entitled to one free credit report per year of each office.

While reviewing your credit report won’t stop a cybercriminal from stealing your information and using it for nefarious purposes, it will help you spot fraudulent accounts early on, before they have a chance. negatively affect your credit score due to missed payments or high balances. If you spot inaccurate information or evidence of possible fraud, you should alert the credit bureau as soon as possible. All three offices explain the steps to do this on their websites.

While you can request copies of your credit report by phone or mail, the easiest and fastest way to view them is online at the official website, AnnualCreditReport.com.

Also note that some free credit monitoring services, including the one offered by Experian, will provide you with real-time updates when changes appear on your bad credit loans, such as new inquiries and newly opened accounts.

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The value of loans approved in January fell to 533.9 billion shillings – Finance https://templodoconhecimento.com/the-value-of-loans-approved-in-january-fell-to-533-9-billion-shillings-finance/ https://templodoconhecimento.com/the-value-of-loans-approved-in-january-fell-to-533-9-billion-shillings-finance/#respond Mon, 22 Mar 2021 09:38:11 +0000 https://templodoconhecimento.com/the-value-of-loans-approved-in-january-fell-to-533-9-billion-shillings-finance/ By MARTIN LUTHER OKETCH The Ministry of Finance, Planning and Economic Development in its February 2021 economic report said the value of loans approved in January for the private sector had fallen to 533.9 billion shillings from 1.198 trillion shillings. approved the previous month. The ministry says there was a reduction in credit applications and […]]]>

By MARTIN LUTHER OKETCH

The Ministry of Finance, Planning and Economic Development in its February 2021 economic report said the value of loans approved in January for the private sector had fallen to 533.9 billion shillings from 1.198 trillion shillings. approved the previous month.

The ministry says there was a reduction in credit applications and approvals in January, in part due to service disruptions resulting from election-related activities.

During the period, the finance ministry said outstanding private sector credit increased 0.4 percent to 17.911 billion shillings in January 2021 from 17.845 billion shillings the month before.

The ministry explains that the slowdown in growth from 2.2% recorded in December 2020 was due to the drop in the value of loans approved during the month and partly reflects weak private sector economic activities around the election period.

In the December 2020 economic report, the Ministry of Finance said there had been an increase in the growth of outstanding credit to the private sector to 2.1% in December 2020 from 0.8% recorded in November. 2020, due to the continued upturn in economic activity.

Breaking down by sector in the February economic report, the Ministry of Finance indicates that, by sector, personal loans and bad credit loans to households received the largest share of credit approved in January 2021 at 25.2%, followed by commerce (19.4%) and agriculture (13.6%). hundred).

Publicity

Mining and quarrying 0.2 percent, business and community, social and other services 13.5 percent.
Building, mortgages, construction and real estate 9.8 percent, transport and communications, electricity and water 10.7 percent, manufacturing 7.6 percent.

Loan rate
In February 2021, the Bank of Uganda kept the central bank (CBR) rate at 7%, with inflationary pressures expected to remain subdued in the coming months. The weak CBR should support the process of economic recovery.

The finance ministry said in the report that commercial banks’ shilling-denominated lending rates declined slightly in January 2021, declining slightly to a weighted average of 17.4 percent from 17.5 percent in December 2020.

“This move is partly attributed to the accommodative stance of monetary policy and the decrease in credit risks,” the finance ministry said in the February 2021 economic report describing the development that took place in January. 2021.

Adding: “Likewise, rates on foreign currency lending fell from a weighted average of 5.6% to 4.7% during the same period.”

Government securities
In government securities, which include treasury bills and treasury bills that the government issues through the Bank of Uganda to finance fiscal operations due to the deficit in domestic tax revenue collection.

The Ministry of Finance explains that during the month, there were 2 auctions of treasury bills and 2 auctions of treasury bills on the primary market. 1.508 trillion shillings (at cost) was raised, of which 532.47 billion shillings came from treasury bills and 975.65 billion shillings came from treasury bonds.

moketch@ug.nationmedia.com

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Coast Guard investigates rare volcanic eruption in southwest Iceland https://templodoconhecimento.com/coast-guard-investigates-rare-volcanic-eruption-in-southwest-iceland/ https://templodoconhecimento.com/coast-guard-investigates-rare-volcanic-eruption-in-southwest-iceland/#respond Mon, 22 Mar 2021 09:38:11 +0000 https://templodoconhecimento.com/coast-guard-investigates-rare-volcanic-eruption-in-southwest-iceland/ The daily beast Thai princess closes Koh Samui beach for private vacation as COVID rises Pascal Le Segretain / Getty Images It’s a beautiful time of year in Thailand, and Princess Sirivannavari, daughter of the unpredictable King Maha Vajiralongkorn, is determined to make the most of it.With less than impeccable timing, Sirivannavari has decided he […]]]>


The daily beast

Thai princess closes Koh Samui beach for private vacation as COVID rises

Pascal Le Segretain / Getty Images It’s a beautiful time of year in Thailand, and Princess Sirivannavari, daughter of the unpredictable King Maha Vajiralongkorn, is determined to make the most of it.With less than impeccable timing, Sirivannavari has decided he was time for a diving vacation. Thailand reportedly ruled its nation from the German ski resort with a suite of concubines Its alleged jaunt to the paradise island of Koh Samui comes as the country recovers from a virulent third wave of the coronavirus, a disastrous vaccine deployment marred by cronyism, a complete halt to the pivotal international tourism trade, and a political crisis that has resulted in an anti-monarchy and pro-democracy activist jailed desperately ill after a 42-day hunger strike.Most of the kingdom is tightening restrictions on travel and imposes quarantine conditions, but Sirivannavari cheerfully shared images of the party on his private Instagram account, which were posted by subscription newsle Secret Siam, which has become a go-to source for those interested in abuse of power. dailies of Thailand’s elite, is written by Andrew MacGregor Marshall, former Reuters bureau chief in Bangkok, who is free to cite his Thai sources without fearing the country’s draconian censorship laws as he no longer lives in Asia.MacGregor Marshall says orange flags bearing Sirivannavari’s royal crest have been hoisted around the island and that there is a strong security presence with five naval vessels anchored off the local coast. Crystal Bay beauty spot. Sail Rock, between Koh Phangan and Koh Tao, widely regarded as the best dive site in the Gulf of Thailand, has been completely closed to all other boats as local dive companies have been urged to stay away on its trip. . perhaps to celebrate the release of her latest book, The Princess’ Dog Diary 2, on her beloved Yorkshire Terrier Perfume, which launched at the Mandarin Oriental on April 17. The behavior is quite familiar to observers of the Royal Family Corrupt Thai: A trip to Phuket and the surrounding islands with a large entourage of high society friends on New Years Eve in 2020 caused chaos with fishing boats, ferries and sightseeing cruises banned in large swathes of ocean.The Thai royal family does not generally respond to the press. inquiries but a request for comment was sent to the Thai Embassy in London. In comparison to his father’s peccadilloes, Sirivannavari’s holiday habits are the little beer. The king’s transgressions include bigamy, allegedly breaking her sisters’ ankles by jumping on her legs when she complained of bigamy, maintaining a harem of 20 concubines in Germany, building an extraordinary fleet 38 jets and helicopters for the exclusive use of Thais. royal family and expropriating the country’s $ 30 billion sovereign wealth fund for his personal use, making him the richest monarch in the world. The white poodle named Foo Foo, gave a comprehensive overview of the king’s unorthodox way of life. The video, which Thai authorities have never been able to completely suppress, shows his then-wife Princess Srirasmi wearing a thong and giving the dog a cake as courtiers crawl on the ground around them . Foo Foo was also the unwitting star of a 2007 reception hosted by US Ambassador Ralph “Skip” Boyce. “Foo Foo was … dressed in a formal evening outfit with paw mittens, and at one point during the band’s second act, he hopped onto the head table and started splashing down glasses. guest water, “Boyce wrote, according to Another memo written by US Ambassador to Thailand in 2009 Eric John, and posted in the Wikileaks cable dump, said:” Vajiralongkorn is believed to be suffering from a blood-related health problem (various sources claim he is either: HIV-positive; has hepatitis C; has a rare form of “blood cancer” or a combination that leads to regular blood transfusions) . Thai authorities have never commented on the allegations. eccentricities, the princess’s authoritarian insistence on ordering the closure of large areas of the sea so that she can have fun away from the prying eyes of commoners cannot help but mark a stark contrast to the devastation sweeping the land . Having successfully managed the first wave of the pandemic with relatively few cases, Thailand has been hit hard by a new wave of coronavirus: there were 2,048 new cases of COVID-19 on Monday and 8 deaths, local media reported . on vaccines, the government having awarded the contract for the national production of 61 million doses of the AstraZeneca vaccine to a royal company, Siam Bioscience, with the aim of strengthening the popularity of the royal family. The results have been predictable slowness in vaccine deployment. That did not stop Royalist Prime Minister and head of the 2014 Thai coup, General Prayut Chan-o-cha, from praising the palace and promoting royal propaganda on live television addresses. Thanathorn Juangroongruangkit defamed the monarchy after he said the government mismanaged the vaccination campaign and gave the king’s company an unfair advantage over a live Facebook broadcast. his house, and even his pets. Last year there was an atmosphere of open defiance and a series of student-led protests baffled the government. Opponents of the dominance and privilege of the Thai royal family were briefly encouraged as student rallies protesting against the establishment grew. However, leaders of the protests were subsequently arrested and jailed, including Parit “Penguin. Chiwarak. has been on a hunger strike for over 42 days. During her recent court appearances Chiwarak has been extremely weak and has used a wheelchair. When Princess Sirivannavari returns from her vacation, it is believed her attention will turn towards his horses as part of his ongoing campaign. to represent Thailand at the Paris 2024 Olympic Games. Learn more about The Daily Beast. Receive our news in your inbox every day. Register now! Daily Beast Membership: Beast Inside delves deeper into the stories that matter to you. Learn more.



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The main real estate conditions that every owner should know https://templodoconhecimento.com/the-main-real-estate-conditions-that-every-owner-should-know/ https://templodoconhecimento.com/the-main-real-estate-conditions-that-every-owner-should-know/#respond Mon, 22 Mar 2021 09:38:11 +0000 https://templodoconhecimento.com/the-main-real-estate-conditions-that-every-owner-should-know/ From Good Housekeeping Like any industry, the real estate industry revolves around a multitude of terms that are often misunderstood. If you’ve ever found yourself on Google when it comes to depreciation, right of refusal, or transfer tax, you’re not alone. Some words and phrases associated with the process of applying for a mortgage, finding […]]]>


From Good Housekeeping

Like any industry, the real estate industry revolves around a multitude of terms that are often misunderstood. If you’ve ever found yourself on Google when it comes to depreciation, right of refusal, or transfer tax, you’re not alone. Some words and phrases associated with the process of applying for a mortgage, finding a property, and buying a home are not known to some people.

But if you have a basic understanding of real estate terms like these, you can proudly show off what you know when communicating with industry professionals, including agentsand bond with friends who are also owners.

Ready to advance your real estate expertise? Take a look below at some of the top real estate terms that are worth knowing, especially if you’re a first-time buyer. Feel free to bookmark this page to use a reminder whenever you need to brush up on your skills.

  • Evaluated value
    When a county, town, town or city hires an appraiser to determine the value of a property for tax purposes.

  • Home inspection
    A home inspection involves assessing the condition of a property, including electrical, sewer and plumbing work before closing.

  • Owners Association
    When a group of homeowners in a community, like a condo, join in paying a fee that covers the upkeep of the entire property.

  • Pre-approval
    The pre-approval process involves a potential lender or bank examining an individual’s finances, including income, assets, and credit history, to determine the amount likely to be borrowed.

  • Prime interest rate
    Banks offer customers who have proven to be creditworthy their best interest rate, or prime rate.

  • Second mortgage
    Also known as a junior lien, a second mortgage is an additional loan taken on the same property. It usually has a higher interest rate than the primary mortgage and can be used for repairs, among other reasons.

  • Transfer tax
    Tax charged by a state, county or city on the transfer of ownership of a property.

  • Under contract
    It refers to a potential buyer and seller who come to an agreement on a property. At this early stage, both parties are in compliance with the terms of the transaction, including the price of the property and the closing date.

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Here is the next title that I will buy https://templodoconhecimento.com/here-is-the-next-title-that-i-will-buy/ https://templodoconhecimento.com/here-is-the-next-title-that-i-will-buy/#respond Mon, 22 Mar 2021 09:38:11 +0000 https://templodoconhecimento.com/here-is-the-next-title-that-i-will-buy/ Last week, government sponsored entities Fannie Mae and Freddie mac made an announcement that rocked mortgage originators. The companies announced that they had obtained a ceiling of 7% on investment properties and second homes by the Federal Housing Finance Agency (FHFA). This directive was issued in the last days of the Trump administration and was […]]]>


Last week, government sponsored entities Fannie Mae and Freddie mac made an announcement that rocked mortgage originators. The companies announced that they had obtained a ceiling of 7% on investment properties and second homes by the Federal Housing Finance Agency (FHFA). This directive was issued in the last days of the Trump administration and was intended to limit the risk that the American taxpayer bears in the housing market.

I recently wrote about New Residential Investment Corp. and how would this change benefit him. There is another mortgage REIT that could also benefit: Redwood Trust (NYSE: RWT). I plan to buy stocks as soon as the Motley Fool trading rules allow. Here’s why.

Image source: Getty Images.

Washington wants to reduce its footprint in the housing finance market

While the 2008 real estate crash killed the subprime mortgage market, it also put an end to the private label securitization market. Private label securities do not require government credit guarantees, and they were a popular way to finance mortgage loans before the crash. But they were wiped out by a collapse in mortgage-backed securities and numerous defaults.

Policymakers in Washington have long agreed that the current state of housing finance is unsustainable. The U.S. taxpayer essentially bears the credit risk of the vast majority of mortgages in the U.S. The bipartisan consensus has long been to revert to the pre-bubble days, when the private sector took on the credit risk and the government risk was largely limited to loans from the FHFA and the Veterans Administration.

This change in Fannie and Freddie’s commitment to investment properties could be the catalyst for the revival of the private label securitization market. The problem with the private label has been a lack of critical mass and a solid history of prepayment and default data. These two questions are essential to get institutional investors to have an appetite for this document. The new limits of Fannie Mae and Freddie Mac could prove to be a catalyst to bring the market back.

Redwood Trust is the leader in non-government secured securitization

Redwood Trust is a mortgage real estate investment trust (REIT) specializing in providing mortgages that are not guaranteed by the US government. Historically, this has meant mortgages too large to be guaranteed by the government, which are commonly referred to as jumbo loans. Despite the absence of collateral, these loans often have such strong credit characteristics that the borrowing rates are more or less in line with standard government rates.

Redwood is also the source of loans that do not meet government guidelines for reasons other than size. These loans have higher rates and are often made to professional real estate investors, fixed buyers and self-employed people. Redwood sees the single-family rental market as a massive growth opportunity. The company also aims to have the best technology for the non-QM (Qualified Mortgage) assembly space and has launched several initiatives to further capture the market for commercial purposes.

Like most mortgage REITs, Redwood struggled during the early days of the COVID-19 pandemic and was forced to deal with margin calls and a sudden collapse in the non-QM securitization market. This reduced the company’s book value per share by 38% to $ 9.91 and caused the company to reduce its dividend. These problems have affected the entire industry, but seem to be a thing of the past now.

Redwood is the market leader in non-government secured securitization, having issued 110 securitizations valued at $ 55 billion since the late 1990s. The company has a network of over 200 institutional investors who will purchase these issues. . High quality investor and second home loans would be a perfect strategic fit for Redwood’s portfolio.

Redwood recently hiked its quarterly dividend from 14% to $ 0.16 per share. This gave the company a 5.9% dividend yield at Friday’s close, lower than the typical mortgage REIT. However, Redwood generates a lot of fee income, which offsets some of the interest rate and credit risk. Non-securitization leverage is low, at 1.3 times equity.

Non-quality management loans are poised to become the fastest growing sector of the mortgage market, and Redwood Trust is at the center of it. The rapid appreciation in house prices will stimulate the demand for jumbo loans and business loans. The loss of some of these loans will have a slight negative effect on the largest originators such as Rocket; however, Rocket’s loss will be Redwood Trust’s gain.

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a premium Motley Fool consulting service. We are motley! Challenging an investment thesis – even one of our own – helps us all to think critically about investing and make decisions that help us become smarter, happier, and richer.



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FiVerity Secures $ 2 Million Round To Accelerate Growth And Expand Cyber ​​Fraud Detection Platform For Banks, Credit Unions And Credit Card Providers https://templodoconhecimento.com/fiverity-secures-2-million-round-to-accelerate-growth-and-expand-cyber-%e2%80%8b%e2%80%8bfraud-detection-platform-for-banks-credit-unions-and-credit-card-providers/ https://templodoconhecimento.com/fiverity-secures-2-million-round-to-accelerate-growth-and-expand-cyber-%e2%80%8b%e2%80%8bfraud-detection-platform-for-banks-credit-unions-and-credit-card-providers/#respond Mon, 22 Mar 2021 09:38:11 +0000 https://templodoconhecimento.com/fiverity-secures-2-million-round-to-accelerate-growth-and-expand-cyber-%e2%80%8b%e2%80%8bfraud-detection-platform-for-banks-credit-unions-and-credit-card-providers/ BOSTON–(BUSINESS WIRE) –FiVerity, Inc., a leading provider of cyber fraud detection and threat intelligence, today announced that it has closed a $ 2 million funding round to expand its cyber fraud detection and intelligence platform. threats, which deals with the growing types of cyber fraud for financial institutions. The investment was fueled by Mendoza Ventures […]]]>


BOSTON–() –FiVerity, Inc., a leading provider of cyber fraud detection and threat intelligence, today announced that it has closed a $ 2 million funding round to expand its cyber fraud detection and intelligence platform. threats, which deals with the growing types of cyber fraud for financial institutions. The investment was fueled by Mendoza Ventures and a class of super-angels from the cybersecurity and financial services industries, including serial entrepreneur Doug Levin, who has been named executive chairman of the company. FiVerity will use the funds to develop its products and intensify its sales and marketing efforts.

FiVerity’s machine learning platform detects and prevents new and existing types of fraud more effectively than current alternatives at banks, credit unions, credit card providers, and other financial institutions. Faced with the growing increase in cyber fraud, FiVerity initially focused on fighting synthetic identity fraud (SIF) – the fastest growing financial fraud at 25% per year which accounts for 20% of consumer credit losses, according to the Federal Reserve, and cost industry more than $ 20 billion last year.

BIS scammers combine real and fake information to create entirely new fraudulent identities to infiltrate financial institutions. They often use automation tools to generate thousands of fake identities to request fraudulent accounts and loans, which overwhelms banks’ prevention efforts. The FiVerity platform overlays existing data systems and services with a layer of machine learning that learns from human intelligence to provide a holistic perspective on fraud. Results are disseminated to a community of financial institutions, regulators and law enforcement through secure information sharing, strengthening industry collaboration to better thwart fraudsters.

“The increasing severity of synthetic identity fraud has been the focal point of our entry into the market. We have seen great results in preventing this type of cyber fraud, up to 40%, for our bank and credit union clients, ”said Greg Woolf, Founder and CEO of FiVerity. “But SIF detection and prevention is only for beginners, our platform has much wider applicability. This funding will help build momentum with our existing solutions, while expanding to other types of financial cyber fraud and threat intelligence needs.

Support from the AI, anti-fraud and investment community

With this cycle, FiVerity has added key industry leaders to its advisory board, including professors from Harvard Business School and former executives from the Securities and Exchange Commission, the US Department of the Treasury, and the US Navy. Intelligence. The Federal Reserve included the company in a white paper on RIS mitigation strategies and invited Mr. Woolf to participate in a standards-setting group to improve consistency and collaboration among all banks, credit unions and other financial institutions.

“As fraudsters stage an AI arms race, FiVerity has kept banks and credit unions one step ahead of hackers and their cyber fraud schemes,” said Adrian Mendoza, Founder and general partner of Mendoza Ventures. “We have seen significant customer growth and market acceptance with FiVerity since their launch and we anticipate significant growth in the coming year. They attract great advisers and world-class talent while forging deep connections within the AI ​​community, financial institutions, the Federal Reserve, government agencies and law enforcement. ”

“It’s the business application of AI that matters, where service applications and digital learning continually drive the platform, which represents the necessary competitive advantage in businesses and around the world,” said Karim R. Lakhani, Charles E. Wilson professor of business administration. at Harvard Business School and author of ‘Competition in the Age of AI“. “The FiVerity team has taken this approach fully with the perfect market application. FiVerity’s unique machine learning approach, and its close relationships with key stakeholders in the private and public sectors, make them uniquely suited to thwart new levels of sophisticated financial fraud and help their clients stay ahead of the curve. the bad players in today’s rapidly changing digital landscape in financial services. . ”

About FiVerity

FiVerity, Inc., is a revolutionary cyber fraud detection company, using machine learning and secure identity management to prevent sophisticated forms of cyber fraud. Company SynthID® The platform focuses on combating cyber fraud threats at financial institutions in real time, including Synthetic Identity Fraud (SIF), a rapidly growing financial crime. FiVerity provides actionable and proactive threat intelligence to banks, credit unions and credit card providers in a public-private partnership, helping to strengthen and evolve their consumer lending processes, customer integration and payment. For more information visit http://www.fiverity.com/.



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Pair that made 1 billion fraudulent calls fined $ 225 million https://templodoconhecimento.com/pair-that-made-1-billion-fraudulent-calls-fined-225-million/ https://templodoconhecimento.com/pair-that-made-1-billion-fraudulent-calls-fined-225-million/#respond Mon, 22 Mar 2021 09:38:11 +0000 https://templodoconhecimento.com/pair-that-made-1-billion-fraudulent-calls-fined-225-million/ The Federal Communications Commission imposed its biggest fine of $ 225 million on telemarketers in Texas who sent around $ 1 billion. automated calls falsely claiming to sell health insurance for Aetna, Blue Cross Blue Shield and other companies. John Spiller and Jakob Mears, who did business as Rising Eagle and JSquared Telecom, were fined, […]]]>






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