I’d buy these cheap penny stocks before the Stocks and Shares ISA deadline!

first_img Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Image source: Getty Images. The deadline by which Stocks and Shares ISA investors can max out their allowances for 2020/21 is fast approaching. It’s why I’m looking for some of the best penny stocks to buy for my own shares portfolio today.As we here at The Motley Fool have explained: “If an equity’s share price sits under £1, it can be deemed a penny share”. And like any UK share, these companies can enjoy significant price gains over the long term. However, their cheapness also means that they can be prone to significant price volatility.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…2 cheap penny stocks on my radarThat said, here are two British penny stocks I think could help ISA investors like me make big profits in the coming years:#1: Bakkavor GroupAt 98p per share, UK food producing firm Bakkavor Group (LSE: BAKK) falls just inside penny stock territory. I’d buy this British stock because the long-term outlook for the ‘food to go’ (or FTG) sector remains extremely bright.Covid-19 lockdowns caused sales in this food segment to fall sharply in 2020 following a decade of strong growth. But analysts at Lumina Intelligence think that demand will bounce back strongly as the world comes out of hibernation. They think the British FTG market will be worth £22.3bn by 2023, up more than a billion pounds from 2019 levels.Bear in mind that the rise of homeworking could hamper long-term FTG growth rates. A sharp uptick in unemployment could derail food-on-the-move demand too, and profits growth at Bakkavor in turn. But there’s plenty more that I like about this penny stock. Along with its commanding position in the soaring FTG market (Bakkavor supplies the top four food retailers in the country) the company is also accelerating its drive into the huge US and Chinese marketplaces.On top of this, I think Bakkavor looks like a mighty attractive buy at current prices. City analysts think annual earnings will rise 15% in 2021 and by another 11% in 2022. Consequently the company trades on a forward price-to-earnings growth (PEG) ratio of 0.8. It sports enormous dividend yields of 5% and 5.6% for 2021 and 2022 respectively.#2: Alliance PharmaAlliance Pharma (LSE: APH) is another cheap UK penny stock I think deserves a close look right now. At current prices of 82p per share, the company trades on a forward PEG ratio of 0.9, also below the benchmark of 1 that can suggest a share is undervalued. City brokers think earnings here will rise 16% in 2021 and 12% next year.I like Alliance Pharma because the outlook for global healthcare investment is extremely encouraging. And this particular UK share doesn’t carry as much risk as other drug manufacturers, as it acquires and sells products that have already passed the unpredictable initial development stage and been on the market for some time. Remember, though, that problems with its products can always be recognised further down the line. And this can have repercussions on the bottom line if regulators decide to pull their approval for the sale of its drugs. Royston Wild | Monday, 15th March, 2021 | More on: APH BAKK Royston Wild has no position in any of the shares mentioned. The Motley Fool UK has recommended Alliance Pharma. 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. 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. I’d buy these cheap penny stocks before the Stocks and Shares ISA deadline! Simply click below to discover how you can take advantage of this.center_img “This Stock Could Be Like Buying Amazon in 1997” 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. Our 6 ‘Best Buys Now’ Shares Enter Your Email Address 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. See all posts by Royston Wildlast_img read more

House in Yokawa / Mosaic Design

first_imgArchDaily Year:  Architects: Mosaic Design Area Area of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/483014/house-in-yokawa-mosaic-design Clipboard Area:  253 m² Area:  253 m² Year Completion year of this architecture project 2013 House in Yokawa / Mosaic Design CopyAbout this officeMosaic DesignOfficeFollowProductWood#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesHousesJapanPublished on March 06, 2014Cite: “House in Yokawa / Mosaic Design” 06 Mar 2014. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogMetal PanelsAurubisCopper Alloy: Nordic BrassCompositesMitrexPhotovoltaic Solar Cladding – BIPV CladdingPanels / Prefabricated AssembliesTechnowoodPanel Façade SystemArmchairsUniForArmchair – ParigiLouvers / ShuttersBruagShading Screens – Perforated Facade PanelsAluminium CompositesSculptformAluminium Façade BladesCultural / PatrimonialIsland Exterior FabricatorsSeptember 11th Memorial Museum Envelope SystemWire MeshJakobWebnet in a Gymnasium in GurmelsDoorsLinvisibileLinvisibile Pocket Door | MareaPaintKEIMMineral Paint for Concrete – KEIM Concretal®-WLouversReynaers AluminiumSolar ShadingHandlesFormaniFitting Collection – ARCMore products »Read commentsSave世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream Houses Save this picture!© Takeshi Yamagishi+ 21 Share CopyHouses•Japan ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/483014/house-in-yokawa-mosaic-design Clipboard Photographs Projects “COPY” 2013 Japan Year:  photographs:  Takeshi YamagishiPhotographs:  Takeshi YamagishiSave this picture!© Takeshi YamagishiText description provided by the architects. The house is located in Yokawa, which is in the south-central part of Hyogo Prefecture. Save this picture!© Takeshi YamagishiThe clients are a senior couple and have lived in several countries and cities around the world because of their business, such as Panama, Peru, Los Angels, Singapore, London and Tokyo. After retiring, they decided to return to their hometown. As is situated in the peaceful rural area of rice paddy fields, the clients desired to live in a house not only that is spacious and calm, but also with variety and diversity, like traveling around world, which recalls their experience during the journey. Save this picture!AxonometricEach room has different dimension, roof structure, materials and elements, while forming continuous doughnut-shaped space.  In the courtyard, numbers of eaves gather and overlap, creating extraordinary contour on the edge of the roof. Various types of windows are carefully placed to provide views to the landscape and privacy, and create unique elevation.  Save this picture!© Takeshi YamagishiThrough the windows, the relationship varies among rooms, the landscape and the courtyard give enjoyable movement to the client’s life.Save this picture!© Takeshi YamagishiProject gallerySee allShow lessReviewing ‘Urban Hopes’: A Look at Steven Holl’s Latest in ChinaArticlesAD Classics: Kubuswoningen / Piet BlomArchitecture Classics Share “COPY” House in Yokawa / Mosaic DesignSave this projectSaveHouse in Yokawa / Mosaic Designlast_img read more

RESSÒ / ETSAV-UPC Team

first_imgCopyResidential Architecture, Educational Architecture, Detail•Rubí, Spain Year:  Photographs:  Andrés FlajszerArchitectes (Students Etsav):Ana Badia, Aitziber Pagola, Albert Noya, Arnau Garcia, Bernat Pedro, Carmen Bodelón, Clara Grenzner, Dragan Zlatkovic, Eduard Gascón, Elisabet Farré, Elisenda Planell, Guillem Ramon, Ignasi Casas, Iñigo Tudanca, Itzel Monclús, Ivan Roguera, Joan Lluc Piña, Laura Molina, Mar Planas, Maria Antonia Rigo, Maria Murillo, Marta Ferrer, Marta Navarro, Martí Obiols, Meri Mensa, Miguel Hernández, Oriol Bort, Oriol Garrido, Pablo Palomar, Quim Escoda, Roger Maranges, Sandra Múrcia, Sandra Prat, Santi Julià, Sara Ferran, Sergi Illa, Sergi Estruch, Toni Quirante, Víctor Nadales, Xavi CallejasTeachers Etsav:Dani Calatayud, Coque Claret, Roger Tudó, Oriol Barber, Enric Corbat, Albert Cuchí, Oriol Muntané, Amadeu Santacana, Víctor Seguí.Structural Calculation:Joan Ramon Blasco, Robert BrufauPrototype Budget:245.000€Total Project Budget:345.000€City:RubíCountry:SpainMore SpecsLess Specs Spain Year:  Photographs RESSÒ / ETSAV-UPC TeamSave this projectSaveRESSÒ / ETSAV-UPC Team Residential Architecture Save this picture!© Andrés Flajszer+ 38 Share Text description provided by the architects. RESSÒ project was designed by 50 students of the Architecture School of el Vallès (ETSAV-UPC) for the international collegiate competition Solar Decathlon Europe 2014 that took place the summer of 2014 in Versailles.Save this picture!© Andrés FlajszerRESSÒ is a strategy of urban, energy and social refurbishment; furthermore it is a teaching tool.Save this picture!© Andrés FlajszerSince 2008 Spain is suffering an economical, social and environmental crisis. During the construction boom which preceded the start of the crisis there was much more construction demand for housing.The result is a great stock of empty, nearly new, buildings and no demand for them.Save this picture!Ground Floor PlanAll this housing is also very energetically inefficient. Moreover European regulations of energy consumption and CO2 emissions make necessary a transformation of the housing sector. Considering these and the fact that right now in Spain there’s a lot of people who can’t afford to pay for the energy to live in comfort we concluded that We don’t have to continue constructing; we have to refurbish our cities.Save this picture!© Andrés FlajszerAn energetic refurbishment is not just an update of the dwelling, it is also related to the user and its attitude. RESSÒ is a strategy that spreads a more sustainable way of living, gives comfort conditions and encourage energetic refurbishments. The starting point and final use of the project is a collective house where people do quotidian activities. Consequently, a strengthening of social relations happens. Experimentation and use of the self sufficient building will encourage small energy renovations of the private dwellings in the neighborhood, starting a process of urban refurbishment.Save this picture!© Andrés FlajszerWe propose an unconventional way for the revitalization of urban fabrics that seeks a more sustainable way of living through collectivization.This strategy will reach its summit when we assemble permanently the prototype in Sant Muç.Save this picture!© Andrés FlajszerThis space is highly flexible and can change in order to host different activities. Thanks to the standard scaffolding structure this changes can be done fast and easily. The building is designed with a 2m module, creating a 3d grid all over the building. Furniture and partitions are very simple yet elegant. They are modular, so their position can be exchanged around the prototype.Save this picture!Fugal SectionTo improve flexibility we created a perimeter ring where all permanent elements are concentrated: structure, facilities, furniture and appliances. The ring encircles a big space of 10x10x6 m that is completely changeable. During the design process two main variables were considered: the building had to be assembled in Versailles in only 10 days and all its parts had to be fitted into trucks.Save this picture!© Andrés FlajszerRESSÒ is highly efficient in terms of energy performance. It is almost self sufficient because of passive bioclimatic strategies, solar panels and high insulation. We want to offer a free shelter space with climate comfort to the neighbors and disadvantaged families of the district.Save this picture!Diagram 1Save this picture!© Andrés FlajszerSave this picture!Diagram 3As a teaching-tool all elements are unhidden and easy to modify. Furthermore, unhidden installations means saving material and money to cover elements that can be seen.Save this picture!© Andrés FlajszerProject gallerySee allShow less3 Experimental Homes Address Hyper-Urbanization in AfricaMiscPrzedSzkole ArchitekturyEventProject locationAddress:Sant Muç,Rubí, Barcelona, EspañaLocation to be used only as a reference. It could indicate city/country but not exact address. Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/772923/ress-equipo-etsav-upc Clipboard Architects: Equipo ETSAV-UPC Area Area of this architecture projectcenter_img ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/772923/ress-equipo-etsav-upc Clipboard 2014 Area:  184 m² Area:  184 m² Year Completion year of this architecture project RESSÒ / ETSAV-UPC Team ArchDaily 2014 “COPY” Projects “COPY” CopyAbout this officeEquipo ETSAV-UPCOfficeFollowProductsWoodSteel#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureEducational ArchitectureRubíBarcelonaRubiSpainPublished on September 03, 2015Cite: “RESSÒ / ETSAV-UPC Team” 03 Sep 2015. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogSinkshansgroheBathroom Mixers – MetrisVinyl Walls3MVinyl Finish – DI-NOC™ Cross HairlinePartitionsSkyfoldVertically Folding Operable Walls – Mirage®SinksThe Splash LabTrough Sink – Monolith A SeriesSkylightsVELUX CommercialModular Skylights in Helmkehof Cultural CenterBathroom AccessoriesBradley Corporation USAWashroom AccessoriesConcrete FloorsSikaDecorative Floor CoatingsMetal PanelsSherwin-Williams Coil CoatingsFluropon® Coating in Thaden SchoolWood Boards / HPL PanelsInvestwoodViroc Nature for Partition WallsMineral / Organic PaintsKEIMMineral Wood Stain – Lignosil®-VeranoDoorsdormakabaEntrance Doors – MAGNEOSinksECOPIXELWashbasin – Light Basin LTBMore products »Read commentsSave世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

National Canine Defence League’s new Web site reviewed

first_img NCDL’s revamped Web site is reviewed in this month’s Internet magazine.The National Canine Defence League’s (NCDL) Web site is reviewed in the October 2001 edition of Internet magazine. Reviewer Kim Gilmour gives it three stars out of five for design and two out of five for content.Gilmour notes that the charity has redesigned the site from scratch and has included “improved features” such as regular news updates and a bright interface. Unfortunately she argues that the site’s navigation is “mediocre and can get tricky.” Advertisement  13 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis The site was created by e-business integration company Red Banner. NCDL manages all the content. Red Banner told Internet Magazine that a project like NCDL’s could cost “around £20,000 – £50,000.”Online fundraising content includes the facility to donate by direct debit online.NCDL is gathering e-mail addresses from donors who give online but “there are no short term plans to use them in marketing activities.” Not surprisingly NCDL say that this is “a huge possibility.” Howard Lake | 30 September 2001 | News National Canine Defence League’s new Web site reviewed AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 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.last_img read more

Applications for Big Give Christmas Challenge open today

first_img Tagged with: christmas Giving Tuesday The Big Give AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis28 Applications for Big Give Christmas Challenge open today Be registered in the UK or have exempt status from HMRCBe registered on theBigGive.org.uk (sign up for free)Have at least one year of filed accounts and an annual income of £25,000 or more (as per last filed accounts)Key datesStage one application: 5th June – 7th July (stage one applications must be submitted by 7th July deadline.Stage two application (pledge collection): 5th June – 1st SeptemberNotification: 18th September – 6th OctoberChristmas Challenge: 28th November – 5th December The Big Give’s Christmas Challenge match-funding campaign opens for applications today.2017 is the Big Give’s tenth anniversary, and will see the Christmas Challenge take place on a bigger scale than previous years with more match funding from campaign Champions available. This year The Coles-Medlock Foundation, The Four Acre Trust, and The Hospital Saturday Fund join the Champions for the first time. They will provide funding alongside The Reed Foundation, The Childhood Trust, Ethiopiaid, Candis and others.Applications are open until 7th July. The campaign will again launch on #GivingTuesday, and will run continuously over seven days.Since its 2008 launch, the Christmas Challenge has raised over £78 million for participating charities, with donations matched by Big Give ‘Champions’: Trusts, Foundations, philanthropists and corporates who support the initiative, as well as charities’ major donors.Alex Day, director of the Big Give, said:“We are really looking forward to this year’s campaign which is set to be bigger and better than before. We know that the campaign has an incredible impact on charities: 98% of participating charities last year would recommend the campaign to other organisations for good reason.”“95% of charities received donations from new supporters last year, as well as increasing their confidence in online fundraising, building their profile and relationships. We’re delighted to be running the improved model following the results of 2016 when 93% of participating charities approved of the changes. We’re very excited about being able to play a role in helping charities to find innovative ways to raise funds for their causes.”Is your charity eligible to apply?To be eligible to apply for the Christmas Challenge 2017, charities must: Advertisement Melanie May | 5 June 2017 | News  95 total views,  1 views today  96 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis28 About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com.last_img read more

Threatening comments about BlackBerry smartphones from telephone regulator

first_img RSF_en News United Arab EmiratesMiddle East – North Africa Organisation RSF joins Middle East and North Africa coalition to combat digital surveillance The UAE’s Telecommunications Regulatory Authority warned yesterday that the use of BlackBerry smartphones posed a potential threat to national security. Accusing the company that operates the phones of operating “beyond the jurisdiction of national legislation,” the TRA said it would try to protect both consumers and the law.“This threat by the authorities constitutes a new offensive against BlackBerry phones and their potential for disseminating news and information,” Reporters Without Borders said. “As its servers are based abroad and its communications use encrypted networks, Research in Motion, the company that makes these phones, is not subject to local laws and is thereby avoiding the government’s attempts to have access to users’ personal data.”The press freedom organisation added: “The government regards the services offered by BlackBerry, especially its instant messaging, as an obstacle to its goal of reinforcing censorship, filtering and surveillance. We fear that this statement is designed to prepare the public for a total ban or block on BlackBerry. This would be a serious mistake and utterly inconsistent on the part of a country that aspires to be a technological leader in the Arab world.”BlackBerry Messenger (BBM) has become very popular in the UAE. It is used more and more for exchanges of information on a wide range of subjects including official corruption and a recent hike in the price of gasoline, a source of widespread anger. BBM was used to communicate criticism of the price hike, calls for peaceful demonstration and boycotts of gasoline stations.The UAE is listed as one of the countries “under surveillance” in the 2010 Reporters Without Borders report on “Enemies of the Internet” because it has established an extensive Internet filtering system. The list of blocked websites (http://www.emarati.katib.org/node/52) includes ones covering human rights, the prison system, the royal family and free expression.Access to the Internet via mobile phones is also controlled and BlackBerry phones have been subject to filtering since December 2009. The authorities tried to install spyware on the smartphones in July 2009 but had to back down because of widespread opposition.BlackBerry has been targeted by censors in other Gulf countries. In April, Bahrain banned BlackBerry’s “Urgent News” application, which was being used to distribute reports from the country’s six main daily newspapers and had around 11,000 users. to go further United Arab EmiratesMiddle East – North Africa July 26, 2010 – Updated on January 20, 2016 Threatening comments about BlackBerry smartphones from telephone regulator News Newscenter_img Follow the news on United Arab Emirates April 28, 2021 Find out more June 8, 2021 Find out more NSO Group hasn’t kept its promises on human rights, RSF and other NGOs say December 23, 2020 Find out more Help by sharing this information Receive email alerts RSF joins other NGOs in amicus brief in WhatsApp suit against NSO Group Newslast_img read more

Repairing for Returns: Attracting Homebuyers to Investments

first_imgSign up for DS News Daily  Print This Post Previous: Fed’s Jerome Powell Says Economy Will Continue to Grow Next: October’s Foreclosure Volume High Point Home / Daily Dose / Repairing for Returns: Attracting Homebuyers to Investments Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Loss Mitigation, News, Print Features In a market where the value for homes has increased dramatically and mortgage rates are low, it is important as an investor to make repairs to a home that will not only give a high return on investment, but also create a home that catches a buyer’s eye. Many renovated homes give the same “cookie-cutter” feel when everything in a home is replaced for a renovation. It is worth creating a unique home that appeals to that also includes energy efficient and salvaged materials. Every market may be different, and it could be valuable to consult with a real estate agent who knows the area well to assist with the local buyer demand in current trends. Renovation can be costly, so it is important to appeal to all sellers to be the last house on the market and the first one off and find the repairs that give the best return on investment.Starting With a Blank SlateInterior paint is a simple renovation that gives the home a clean blank slate for the new homeowner. Painting the home over in a neutral color that compliments the fixtures, cabinets, and flooring can brighten a home to appeal to more buyers. Paint colors can differ from buyer to buyer, while some may even make a home feel smaller and push away potentially interested buyers. With the interior paint, if the home has popcorn or textured ceilings, it may be worth the labor-intensive feat of scraping these popcorn ceilings. Many buyers in the current market believe popcorn ceilings make a home feel dated and removing these could be the push between buying and walking away if other homes in the market have been updated to flat ceilings.While interior paint is a minor repair, an investor or homeowner could add unique-ness to the home by using cost-friendly, salvaged materials to create interesting feature walls. An example could be using old barnwood for an accent wall in a dining or living room, or even using the old barnwood material for interesting casings throughout the home. Using repurposed wood for a new fireplace mantle or even giving brick fireplaces a German smear, or whitewash, can help give the home a facelift at a lower cost.Paying Attention to DetailThe easiest and most cost-effective improvements can be the minor repairs a home typically needs after it has been lived in for a while. Even if the home is only a few years old, a deep clean on all appliances, cabinets, and countertops can be conducive to making buyers feel this home is theirs from the moment they walk in. These items can be as simple as new toilets (or just toilet seats) with clean, matching bathroom fixtures, or even grouting and re-caulking all wet areas for a newer feel. Adding a few dimmer switches throughout have a low cost while adding an upscale ambience. These small repairs combined with matching outlets, switches, and cover plates or caulking the windows throughout, shows the buyer the house is fully move-in ready and they do not have to worry about these before they even unload their furniture. Additionally, updating the doorknobs and hinges to match throughout the property gives the home a finished and polished feel, especially when using desired finishes such as brushed nickel.When replacing light fixtures, use energy efficient products that have “provable” cost values are important to buyers in today’s market. These items would include LED light bulbs and water saving shower heads. Making properties green through renovation can be key in marketing while also updating the home to feel light and bright.Looking Long-termBuyers are also interested in seeing the repairs completed for items that are long-term. This includes appliances, roofing, HVAC, and potentially old fixtures throughout. If a roof or HVAC unit is within a year of its useful life, it may be worth replacing even if that is the only repair completed prior to selling the home. These are a few major repair items the buyer will not want to dish money out for only a year after purchasing the home. These also tend to be the repairs buyers are less capable of following on HGTV and completing a DIY project, so the reduced maintenance could be a big seller on an older home with bigger ticket items. If these items need to be replaced and are not, the buyer will usually want a credit to be able to complete these repairs once they own the property.The largest focus in most home renovations is the kitchen, and almost any homeowner will tell you they spend an incredible amount of time in this space, so having it be functional, beautiful, and cost-effective is a high priority for many home buyers. Kitchens are typically the most expensive room in the home to renovate with high ticket items such as cabinetry, countertops, and appliances. With the high cost of buying a home in the current market, most buyers are looking for a brand new, sleek kitchen to include white shaker style cabinets and a complimentary granite. However, if the cabinets are in good condition and only outdated, sanding and painting the cabinetry to the desired white color cuts huge costs as opposed to just replacing the cabinets. While this option is more labor-intensive, the price still comes in much lower than that of a complete new set. Continue refreshing the kitchen with new hardware for a finished look to the newly painted cabinets. If it is necessary to replace the cabinetry, consider adding a subway tile backsplash and floating shelves to save on the cost of upper cabinets. Homeowners can tastefully display their matching dinner sets on these shelves, while also adding personal touches to make the home their own.For the countertops, granite may be expected, but renovators could surprise buyers with a quartz or synthetic stone material. More great options include using a “butcher block” or a concrete countertop—even if just for the kitchen island to give the home a more unique feel. Replacing these worn out surfaces is typically very appealing to a buyer for the home to feel brand new.Flooring can easily make or break a living space. While the flooring doesn’t have to be unique, most homes with regular linoleum or sheet vinyl flooring have a feel of being older, and carpet areas can appear to be dirty and dated. Simply switching out old carpet for new carpet can be a breath of fresh air for buyers since carpet can hold much more dirt than hard surfaces. Consider removing the carpet on the stairs, refinishing the treads and painting the risers. Real hardwood flooring can be sanded and refinished for a new look while keeping the desired original hardwoods throughout the home. High traffic areas such as kitchens and all entertainment spaces can benefit well from replacing old flooring with a luxury plank vinyl (LVP) that can be inexpensive to install, while also making the home feel larger and cleaner. This LVP flooring is also highly desired in homes right now, as it can give a hardwood floor feeling without the high cost of installing hardwood floors. LVP stands up to high traffic and moisture, making it a fantastic all-around flooring product. Savvy renovators could also look for concrete flooring on the first level of a home, and they can acid stain and finish the concrete flooring for a more desired, modern industrial look.Attracting Buyers Through Curb AppealLast to mention, and frequently overlooked, is the importance of curb appeal and minor exterior repairs such as a quick pressure wash. Laying mulch and planting a few colorful flowers can give the front landscape a fresh look. Simply sprucing up the yard and repairing any cracks in the sidewalk can make the home look like the best home on the block while adding low costs to the repair budget. With the landscaping, creating a welcoming front view overall is important, so consider putting a fresh coat of paint on the front door or shutters to add a splash of color to a potentially bland color scheme–after checking for any HOA regulations, of course. A colorful lawn and front door can entice buyers to step inside and fall in love. A fresh coat of paint and ensuring your house number is visible on your mailbox makes the listing easier to find for potential buyers. This is the first and last part of the home the buyer typically sees, and first impressions count.Finding the repairs to create a unique, completed home renovation on a budget takes creativity and a focus on the repairs that will truly bring value to the home. Using the pre-existing materials in the home can be a large cost-saver, while also modernizing the home and giving it a “new home” feel. Each home will have unique required repairs, but the use of salvaged materials and the idea of repairing for value can make full use of a renovator’s budget—no matter how big or small. Related Articles The Best Markets For Residential Property Investors 2 days ago The Best Markets For Residential Property Investors 2 days ago Tagged with: Foreclosure Renovation Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Savecenter_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Alyssa Sprague Foreclosure Renovation 2019-11-13 Seth Welborn November 13, 2019 1,742 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago Alyssa Sprague is Senior Account Executive at Property Masters, Inc. where she assists in the daily management and organization of home renovations for Property Masters’ single-family investor and REO clientele. She also holds the role of President of the inaugural Think Tank council at Property Masters. She strongly believes that in a group effort, ideas can be exponentially expanded with positive encouragement to produce the best possible outcomes. Servicers Navigate the Post-Pandemic World 2 days ago Repairing for Returns: Attracting Homebuyers to Investments Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribelast_img read more

Karnataka Govt Issues Revised Guidelines For Inter-State Travellers Relaxes Conditions Of Quarantine And Registering On Seva Sindhu Portal [Read Circular]

first_imgNews UpdatesKarnataka Govt Issues Revised Guidelines For Inter-State Travellers Relaxes Conditions Of Quarantine And Registering On Seva Sindhu Portal [Read Circular] Mustafa Plumber27 Aug 2020 5:25 AMShare This – xFollowing, revised guidelines for inter-state travellers issued by the State of Karnataka, which relaxes conditions of compulsory quarantine and registering on Seva Sindhu portal the Karnataka High court on Thursday, disposed of a petition challenging the same. A division bench of Chief Justice Abhay Oka and Justice Ashok S Kinagi took on record the revised guidelines…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginFollowing, revised guidelines for inter-state travellers issued by the State of Karnataka, which relaxes conditions of compulsory quarantine and registering on Seva Sindhu portal the Karnataka High court on Thursday, disposed of a petition challenging the same. A division bench of Chief Justice Abhay Oka and Justice Ashok S Kinagi took on record the revised guidelines and disposed of the petition filed by Advocate M Indira Priyadarshini. “In view of the decision recorded in the revised circular, nothing survives in the petition. Accordingly it is disposed of, it said. The revised guidelines states all asymptomatic travellers can report to work or perform their activities in Karnataka without any requirement of 14 days home quarantine. However, they shall self monitor their health for 14 days from the date of their arrival for any symptoms of COVID-19 like fever, cough, cold, throat pain, difficulty in breathing, etc and immediately seek medical consultation without fail or call Apthamitra helpline 14410. Further the circular says that following aspects have been discontinued henceforth for interstate travellers, they no longer need to register themselves on the Seva Sindhu portal. They will not be subjected to mandatory medical check up at the entry of the state borders or bus, airport or rail stations upon arrival. The 14-day quarantine or isolation and testing protocol is also being withdrawn. Enforcement of home quarantine, including poster on home door, information to neighbours/ Resident Welfare Association/Apartment Owners’ Associations, monitoring from Panchayat/ ward level teams, flying Squad, IVRS call-centre outbound calls, quarantine watch app monitoring is also discontinued. “This revised Circular shall apply to all inter-state travellers arriving in Karnataka from all States/UTs including business travellers, students, labourers coming for work, transit travellers, etc. irrespective of their purpose of visit or duration of stay in the state. Deputy Commissioners of all Districts / Commissioner, BBMP (Bruhat Bengaluru Mahanagara Palike) are hereby instructed to implement this with immediate effect and without any deviations at district levels,” it says. However people with symptoms shall immediately self-isolate and seek medical consultation without fail or call Apthamitra helpline 14410. In the previous hearing the court had said “The state government will have to justify this action of taking self declaration from travelers making it mandatory for them to register on the Seva Sindhu portal.” The government is also directed to justify the clause in its protocol dated June 8, making it mandatory for daily travellers to upload letters from employers, on the portal for issuance of e-pass. The petitioner had argued that clause 1 in the SOP issued on June 8, issued by the Department of Health and Family Welfare of the State government making it mandatory for travelers to self register on the Seva Sindhu portal. The clause is contrary to the Unlock 3 guidelines issued by the Ministry of Home Affairs on July 29, which allows free, inter and intra-state transport of people and goods.Click Here To Download Circular[Read Circular] Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Storylast_img read more

Manufacturer Not Liable For Dealer’s Fault Unless Manufacturer’s Knowledge Is Proved In Cases Where Relationship Is ‘Principal-To-Principal’ Basis : Supreme Court

first_imgTop StoriesManufacturer Not Liable For Dealer’s Fault Unless Manufacturer’s Knowledge Is Proved In Cases Where Relationship Is ‘Principal-To-Principal’ Basis : Supreme Court LIVELAW NEWS NETWORK22 Feb 2021 8:12 AMShare This – xThe Supreme Court has observed that a manufacturer will not be liable for the fault of the dealer, unless it is proved that the manufacturer was aware of the deficiency of the dealer, in cases where the relationship between them is on “principal-to-principal” basis.Holding so, a three-judge bench comprising Justices UU Lalit, Hemant Gupta and Ravindra Bhat absolved Tata Motors Limited of…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe Supreme Court has observed that a manufacturer will not be liable for the fault of the dealer, unless it is proved that the manufacturer was aware of the deficiency of the dealer, in cases where the relationship between them is on “principal-to-principal” basis.Holding so, a three-judge bench comprising Justices UU Lalit, Hemant Gupta and Ravindra Bhat absolved Tata Motors Limited of the liability arising out of an unfair trade practice by one of its Goa-based dealers, Vistar Goa(P) Ltd.The dealer, Vistar Goa, had sold a 2009 model car to a customer under the pretext that it was a 2011 model car. The customer, one Antonio Paulo Vaz, filed a consumer complaint in the District Forum seeking refund of the money or replacement of the car with a 2011 model vehicle. In the complaint, Tata Motors was also made an opposite party, along with the dealer.The District Forum allowed the reliefs sought in the complaint, holding the manufacturer and dealer liable jointly and severally.  Tata Motors filed appeal in the State Commission arguing that it cannot be held liable for the dealer’s fault. The appeal was dismissed. The National Consumer Disputes Redressal Commission, in further appeal by Tata Motors, affirmed the findings of State Commission and the District Forum. Aggrieved, Tata Motors approached the Supreme Court.Relationship between manufacturer and dealer principle to principle basisThe Supreme Court, after examining the terms of the dealership agreement, noted that the relationship was on a “principle-to-principle” basis. The Court also noted that there were no pleadings by the complainant that Tata Motors had special knowledge of the deficiencies of the dealer.”The record establishes the absolute dearth of pleadings by the complainant with regard to the appellant’s role, or special knowledge about the two disputed issues, i.e.that the dealer had represented that the car was new, and in fact sold an old, used one,or that the undercarriage appeared to be worn out. This, in the opinion of this court,was fatal to the complaint. No doubt, the absence of the dealer or any explanation on its part, resulted in a finding of deficiency on its part, because the car was in its possession, was a 2009 model and sold in 2011. The findings against the dealer were,in that sense, justified on demurrer. However, the findings against the appellant, the manufacturer, which had not sold the car to Vaz, and was not shown to have made the representations in question, were not justified”.The Court further observed :”Special knowledge of the allegations made by the dealer, and involvement, in an overt or tacit manner, by the appellant, had to be proved to lay the charge of deficiency of service at its door. In these circumstances, having regard to the nature of the dealer’s relationship with the appellant, the latter’s omissions and acts could not have resulted in the appellant’s liability”.The judgment authored by Justice Ravindra Bhat observed :”Unless the manufacturer’s knowledge is proved, a decision fastening liability upon the manufacturer would be untenable,given that its relationship with the dealer, in the facts of this case, were on principal-to-principal basis”.Allowing the appeal, the Supreme Court set aside the findings of the Consumer Fora as against Tata Motors.The judgment referred to the precedents in Indian Oil Corporation v. Consumer Protection Council, Kerala (1994) 1 SCC 397 and General Motors (I) (P) Ltd. v. Ashok Ramnik Lal Tolat (2015) 1 SCC 429The Tata Motors Ltd. were represented Mr. Siddharth Bhatnagar, Sr. Adv.; Mr. Debmalya Banerjee-Partner, Mr. Kartik Bhatnagar, Principal Associate; and Mr. Ujjwal Singh, Associate for M/s Karanjawala & Co.Case DetailsTitle: Tata Motors Ltd v Anonio Paulo Vaz and AnotherCase No: Civil Appeal No. 574/2021Coram:  Justices UU Lalit, Hemant Gupta, Ravindra BhatCitation: LL 2021 SC 105Click here to read/download the judgment Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Storylast_img read more

Origins of large volume rhyolitic volcanism in the Antarctic Peninsula and Patagonia by crustal melting

first_imgVoluminous rhyolitic volcanism along the palaeo-Pacific margin of Gondwana was marked by three principal episodes of magmatism. The first of these ( V1) is essentially coincident with the main episode of Karoo–Ferrar magmatism at ∼184 Ma. A younger ( V2) episode occurred at ∼168 Ma, and a third episode ( V3) occurred in the interval 157–153 Ma. We evaluate the origin of V1 and V2 rhyolites from the Antarctic Peninsula using major and trace element and isotopic (Sr, Nd, O) data. An isotopically uniform (87Sr/86Sri ∼0·707; εNdi ∼ −3) andesite–dacite magma was generated as a result of anatexis of ‘Grenvillian age’ hydrous mafic lower crust, linked to earlier, arc-related underplating. The lower-crustal partial melts would have mixed with fractionated components of the mafic underplate, followed by subsequent storage and homogenization. Early Jurassic ( V1) rocks of the southern Antarctic Peninsula are interpreted as melts of upper-crustal paragneiss, which have mixed with the isotopically uniform magma in upper-crustal magma chambers. The V2 rhyolites are the result of assimilation–fractional crystallization of the isotopically uniform magma. This occurred in upper-crustal magma chambers involving assimilants with similar isotopic composition to that of the magma. A continental margin setting was crucial in developing hydrous, readily fusible lower crust. Lower-crustal anatexis was in response to mafic underplating associated with the Discovery–Shona–Bouvet group of plumes, thought to be responsible for the Karoo magmatic province. The progression (old to young) of volcanism from NE to SW in Patagonia and south to north in the Antarctic Peninsula is consistent with migration away from the mantle plumes towards the proto-Pacific margin of Gondwana during rifting and break-up.last_img read more