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Regulatory developments hit Novomatic revenue in H1

first_img Regulatory developments hit Novomatic revenue in H1 Casino & games Regions: Europe Oceania UK & Ireland Central and Eastern Europe Southern Europe Germany Italy Australia 2nd September 2019 | By contenteditor Topics: Casino & games Finance Sports betting Strategy Slots Subscribe to the iGaming newsletter Austrian gaming giant Novomatic has reported a 1.8% year-on-year fall in revenue for the first half of its financial year, with changes to gaming regulations in core markets such as Germany and Italy blamed for the decline.Revenue for the six months to 30 June, 2019 fell to €1.26bn (£1.15bn/$1.39bn), with changes to laws in Germany, Novomatic’s largest market, having the biggest impact on group performance.As a result of state laws on gaming arcades and new technical regulations that accompanied the third amended State Treaty on Gaming, the number of terminals leased by Novomatic in Germany fell by around 13,900 units in H1. Its rental portfolio also decreased to 154,100 devices, a drop of around 11,500 units. This resulted in revenue from Germany falling 6.2% year-on-year to €338.1m.Changes to the tax rates for gaming machines in Italy, coupled with the country’s gambling advertising ban, also had an adverse effect on revenue, with the country’s revenue contribution down 7.6% at €181.8m.Ainsworth Game Technology also struggled over the period, which has been blamed on difficulties in its native Australia and Latin America.This was offset by growth in the UK — where Novomatic said the fixed-odds betting terminal stake cut benefitted its gaming hall business — and increased slots revenue from Spain, Austria and the Netherlands.Across the group, gaming technology revenue, comprising revenue from the development, production, leasing and sale of gaming devices, gaming content and gaming technology across all channels, was down 2.2% at €469.4m.Gaming operations revenue, including Novomatic’s self-operated slot arcades, casinos, sports betting outlets and bingo halls, was also down, falling 1.5% to €794.3m.As a result of the decline in group revenue, Novomatic will look to reduce costs and increase the efficiency of the business, as well as disposing of assets that failed to perform as expected. This saw its Croatian subsidiaries, the Spain-and-Latin America-facing OTIUM Group, and two Spanish casino businesses sold off in H1.The second half of the year will see the bulk of its UK technology business, Gaming Technology Group, sold to Inspired Entertainment for $120m (£99.3m/€109.4m) once all regulatory requirements have been met.In addition, it acquired a number of smaller businesses in Germany and Eastern Europe, mainly slot arcade operators, to expand its position in core territories.Looking at costs, gaming taxes and betting fees rose 1.7% over the six months to €148.7m, while the operator and supplier realised a benefit of €12.5m from inventory changes, down 37.0% year-on-year. Capitalised development costs fell from €75.2m to €40.8m, while a further €40.7m in other operating income was generated over the period.Cost of material and other operating expenses both fell, to €172.8m and €349.7m respectively, offsetting a 1.4% rise in personnel expenses to €390.4m.After operating costs, earnings before interest, depreciation, tax and amortisation was down 5.1% to €297.1m. However, depreciation, amortisation and impairment charges soared to €249.6m – up 61.2% year-on-year – which Novomatic said was largely down to regulatory changes related to its gaming machine business in Germany.This resulted in operating profit falling 70.0% to €47.5m. After finance-related costs of €17.6m and income tax of €15.2m, the business recorded a net profit of €14.7m for H1 2019, down 87.7% year-on-year.However, this was improved by a €19.5m profit from discontinued operations, for a net result of €34.3m, down 68.8% from H1 2018. Austrian gaming giant Novomatic has reported a 1.8% year-on-year fall in revenue for the first half of its financial year, with changes to gaming regulations in core markets such as Germany and Italy blamed for the decline. This led to significant increases in depreciation and amortisation, which drove down profit for the period. Email Address AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter Tags: Mobile Online Gambling Slot Machineslast_img read more

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Nebraska bill would class sports bets, poker as skill games

first_img Topics: Casino & games Sports betting Poker Casino & games Tags: Card Rooms and Poker Nebraska bill would class sports bets, poker as skill games AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter Nebraska state senator Justin Wayne has introduced a bill that would define sports betting, paid fantasy sports and poker as games of skill.The bill, LB990, would effectively legalise the games under Nebraska law, where most forms of gambling are not currently permitted, but games of skill are allowed.The text of the bill said that the knowledge required in sports betting and fantasy sports mean they should be categorized as a game of skill rather than chance.“Sports betting and fantasy sports require knowledge and skill,” it said. “Knowledge of a sport and skill in analyzing and predicting the performance of athletes and the outcomes of sporting events is essential for a participant in sports betting or fantasy sports to be successful.”Read more on iGB North America.center_img Email Address 15th January 2020 | By Daniel O’Boyle Subscribe to the iGaming newsletter Regions: US Nebraskalast_img read more

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UWW World Championship : Ultimate battle of 100 nations, 1002 wrestlers

first_img The countdown for the biggest and most fierce competition of wrestling is on as the world eagerly awaits the fight for supremacy among the top most male and female wrestlers across three categories – Men’s Freestyle, Greco-Roman and Women’s Wrestling – in the UWW World Wrestling Championships 2019.Wrestling fans can catch all the action LIVE from UWW World Championship 2019 on www.wrestlingtv.in Cricket By Kunal Dhyani – September 7, 2019 Latest Sports News BCCI to form committee to take call on compensating domestic cricketers PSL 2021 Playoffs: Schedule, Timing, LIVE streaming, list of champions; all you need to know Cricket Facebook Twitter Latest Sports News SHARE RELATED ARTICLESMORE FROM AUTHOR Euro 2020, Switzerland vs Turkey LIVE: Shaqiri adds another as Switzerland lead 3-1; Follow Live Updates Share on Facebook Tweet on Twitter WTC Final IND vs NZ: Virat Kohli displays his dancing skills on the beats of Bharat Army’s Dhol; Watch video WI vs SA 2nd Test Day 3 Live: South Africa lose early wickets; SA 35/2 (11 ov)- Follow Live Updates by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeE! OnlineCNN’s Christiane Amanpour Undergoes Surgery After Cancer DiagnosisE! OnlineUndocio.comUnlocking the Success of Digital Transformation with Active Intelligencecio.comUndoGrammarlyAdvertisement Avoid Grammatical Errors with This Helpful Browser ExtensionGrammarlyUndoAccording to the United World Wrestling (UWW), the global governing body of wrestling, the UWW World Championships in Kazakstan will see the participation from a record number of nations. The championships starting from September 14 at the capital Nur-Sultan’s multifunctional ice palace Barys Arena will witness 1,002 strongest wrestlers from 100 nations from across the world. In terms of participating nations and total number of wrestlers, this will be the biggest ever Wrestling World Championship.Wrestling fans can catch all the action LIVE from UWW World Championship 2019 on www.wrestlingtv.in“We have received and reviewed the final entry lists for each of the 100 nations attending the 2019 Senior Wrestling World Championships in Nur-Sultan. The most anticipated bouts of the best wrestlers in the world will take place in the capital of Kazakhstan with record number of participating nations and wrestlers,” UWW has stated in a Press release.Click here for the complete list of UWW World Championship 2019 participants.The 65Kg freestyle men’s event, also featuring India’s biggest title hope Bajrang Punia, will have 48 wrestlers vying for the medals and quota places for Tokyo 2020. Top seed Bajrang’s main challenge will come from the last world championship gold medallist  Takuto Otoguro of Japan and Ahmed Chakev of Russia.In the women 53 kg, Asian Games gold medallist Vinesh Phogat will see 34 other wrestlers competing for the title in her category.Wrestling fans can catch all the action LIVE from UWW World Championship 2019 on www.wrestlingtv.in Cricket Cricket Tokyo Olympics: BCCI provides fuel in Indian Olympic flame, to contribute Rs 10 crore Previous articleNike deal guarantees Ronaldo € 162 mn: Football LeaksNext articleDavis Cup: Sony Music ties up with Kosmos Tennis for finals Kunal DhyaniSports Tech enthusiast, he reports on Sports Tech industry and writes on sports products. WTC Final LIVE: Devon Conway continues red-hot form, slams fifty to provide New Zealand dream start UWW World Championship : Ultimate battle of 100 nations, 1002 wrestlers YourBump15 Actors That Hollywood Banned For LifeYourBump|SponsoredSponsoredUndoPost FunThese Twins Were Named “Most Beautiful In The World,” Wait Until You See Them TodayPost Fun|SponsoredSponsoredUndoMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStory|SponsoredSponsoredUndoDefinitionTime Was Not Kind To These 28 CelebritiesDefinition|SponsoredSponsoredUndoDaily FunnyFemale Athlete Fails You Can’t Look Away FromDaily Funny|SponsoredSponsoredUndoDefinitionAge Has Finally Caught Up To These CelebsDefinition|SponsoredSponsoredUndo Formula 1 F1 French GP 2021: Max Verstappen pips Lewis Hamilton to win French GP, Perez finishes 3rd Tokyo Olympics: Deepika Kumari to be sole entry to Tokyo Games as Indian women’s recurve team fails to qualify Cricket Cricket Football Latest Sports NewsSports BusinessNewsSportWrestling WTC Final Live- Ind vs NZ: Kyle Jamieson bags 5th five-wicket haul in 8th Test, rattles India in WTC finallast_img read more

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Small House for a Large Family / La Mirateca

first_imgShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/907131/small-house-for-a-large-family-la-mirateca Clipboard Year:  “COPY” Spain CopyHouses•Murcia, Spain Small House for a Large Family / La Mirateca CopyAbout this officeLa MiratecaOfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesMurciaSpainPublished on December 11, 2018Cite: “Small House for a Large Family / La Mirateca” [Casa Pequeña para una Familia Numerosa / La Mirateca] 11 Dec 2018. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogShowerhansgroheShowers – RainfinityGlass3MGlass Finish – FASARA™ GeometricPartitionsSkyfoldVertically Folding Operable Walls – Zenith® Premium SeriesMetal PanelsTECU®Copper Surface – Patina_VariationsBeams / PillarsLunawoodThermowood Frames and BearersMembranesEffisusFaçade Fire Weatherproofing Solutions in Design District Project LondonSkylightsVELUX CommercialModular Skylight Ridgelight in Office BuildingSwitchesJUNGLight Switch – LS PlusCurtain WallsRabel Aluminium SystemsSpider System – Rabel 15000 Super ThermalWindowspanoramah!®ah! Soft CloseWoodAustralian Sustainable Hardwoods (ASH)American Oak by ASHChairs / StoolsOKHADining Chair – BarnettMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream Photographs ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/907131/small-house-for-a-large-family-la-mirateca Clipboard Save this picture!© Patricia Forcen Scheu+ 21Curated by Danae Santibañez Share Architects: La Mirateca Area Area of this architecture projectcenter_img Projects Area:  165 m² Year Completion year of this architecture project “COPY” Small House for a Large Family / La MiratecaSave this projectSaveSmall House for a Large Family / La Mirateca Photographs:  Patricia Forcen Scheu Manufacturers Brands with products used in this architecture project Houses Manufacturers: Breinco, LAND-PORCELANICOSave this picture!© Patricia Forcen ScheuRecommended ProductsWindowsOTTOSTUMM | MOGSWindow Systems – BronzoFinestra B40WindowsVitrocsaMinimalist Window – SlidingDoorsRabel Aluminium SystemsMinimal Sliding Door – Rabel 62 Slim Super ThermalDoorsC.R. LaurenceCRL-U.S. Aluminum Entice Series Entrance System’Small house for a large family’ is a project that tries to respond to numerous conditions given by the owners, a mother, and her daughter. The house is positioned on a small piece of land left by a house from the 50s, a landscaped enclave characterized by the agrarian structure that leaves the Segura River passing through the city of Murcia. Save this picture!© Patricia Forcen ScheuIn this old house a family of eight children has grown, so the starting conditions were mainly oriented to a definition of the day space of the new house; he had to be able to host numerous family reunions. On the other hand, the position of the housing area at night was another of the given premises that, together with the access, conditioned the structuring of the project.Save this picture!Floor PlansThe formalization arises from the reflection of the concept of an enclosure and how enclosure and housing can belong to the same structure, giving rise to enclosed spaces and open spaces merging if programmatic needs require it. The enclosure encloses the entire perimeter of the plot, leaving a single open point to cause access. The door then becomes a reflection of those found in the homes of the garden, where this element is materialized with glass and wood, making it during the day a large window onto the street and during the night a security mechanism.Save this picture!© Patricia Forcen ScheuGiven this way of dealing with the work, a hermetic and introverted result was obtained, which gave us a response to a necessary safety condition in the environment where it is located, and also helped us to understand how a small plot could be related to a Huertano landscape environment very rich; This is done through the contemplation that occurs in the upper volume as if it were a viewpoint.Save this picture!SectionsProject gallerySee allShow lessEscandón Terrace / PALMASelected ProjectsThree Teams Selected to Reimagine New York City’s Green Trash BinsArchitecture News Share 2011 ArchDailylast_img read more

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House Y in Ishibashi / Hisashi IKEDA Architects

first_imgArchDaily marswork, Shigeo Tokunaga Save this picture!© Nao Takahashi+ 25Curated by Hana Abdel Share Area:  82 m² Year Completion year of this architecture project Architects: Hisashi IKEDA Architects Area Area of this architecture project Products translation missing: en-US.post.svg.material_description ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/941726/house-y-in-ishibashi-hisashi-ikeda-architects Clipboard ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/941726/house-y-in-ishibashi-hisashi-ikeda-architects Clipboard Houses CopyAbout this officeHisashi IKEDA ArchitectsOfficeFollowProductWood#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesInterior DesignResidential InteriorsHouse InteriorsOsakaOn FacebookJapanPublished on June 16, 2020Cite: “House Y in Ishibashi / Hisashi IKEDA Architects” 16 Jun 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogAluminium CompositesTechnowoodHow to Design a Façade with AluProfile Vertical ProfilesGlassMitrexSolar GreenhouseMetal PanelsAurubisOxidized Copper: Nordic BrownDoorsEGGERWood Laminate Doors in Molecular Plant Science InstituteStonesCosentinoSurfaces – Silestone® Nebula SeriesWall / Ceiling LightsLouis PoulsenLamp – LP RiplsWood Boards / HPL PanelsBruagRoom Dividers – Partition Wall MDFStonesNeolithSintered Stone – Mar del PlataWindowspanoramah!®ah! SecurityPanels / Prefabricated AssembliesULMA Architectural SolutionsMIS Facade PanelCarpetsFabromont AGTextile Floor Covering – Orbital® 07 COLORpunkt®LightsNorka lightingLuminaire – BelfastMore products »Save想阅读文章的中文版本吗?石桥Y日式住宅 / 池田久司建築設計事務所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 CopyHouses, Houses Interiors•Osaka, Japan Nen Architects Company Limited, Hiroaki Tanaka “COPY” Year: center_img Photographs Projects Manufacturers: Vectorworks, Hitachi, Panasonic, YKK AP, IDEE, Tsukumakoken, Yashima Mokuzai Construction: House Y in Ishibashi / Hisashi IKEDA ArchitectsSave this projectSaveHouse Y in Ishibashi / Hisashi IKEDA Architects Structural Engineering: House Y in Ishibashi / Hisashi IKEDA Architects “COPY” Photographs:  Nao Takahashi Manufacturers Brands with products used in this architecture project Japan 2019 Products used in this ProjectRenders / 3D AnimationVectorworksVectorworks ArchitectRenders / 3D AnimationVectorworksVectorworks LandmarkArchitect In Charge:Hisashi IkedaCity:OsakaCountry:JapanMore SpecsLess SpecsSave this picture!© Nao TakahashiText description provided by the architects. House Y is located in dense residential area near highway. The site area is the smallest specified by the ordinance of this city. To build a rich living environment on this minimal site between the dense areas of small houses and the long scales of highways, we designed it with rational floor plans and various cross-section operations.Save this picture!© Nao TakahashiSave this picture!First Floor PlanSave this picture!© Nao TakahashiIn order to effectively use the limited floor space, the floor plan is a rational plan that organizes the flow lines and takes into consideration future changes in the family structure.While guaranteeing the functional aspects of the house with a plan, each space is different, such as the ceiling form and finish of each room, the construction of the fittings, how to make the opening, the presence of a frame, the use of large walls and true walls, etc. It has been delicately operated.Save this picture!© Nao TakahashiFor example, the children’s room separated from Doma the dirt floor room by sliding doors is Japanese style, the master bedroom is made like a tent with a small entrance and a square roof like ceiling, the LDK with a high ceiling and the high side lights you see the sky through is made like a plaza in the house. Even in a small house, going back and forth between different creative spaces creates depth of experience. I wanted to take advantage of the richness of the space by organizing a small house as a group of parts.Save this picture!© Nao TakahashiSave this picture!SectionSave this picture!© Nao TakahashiIn this house, there is Doma a dirt floor when you enter the entrance, and there is a roof balcony in the place farthest from the entrance. It was planned that a space with an external character would appear at the beginning and end of the residents’ experience. The dirt floor with an opening of W4.3m x H1.9m is bright, and although it has a mark for taking off shoes, it allows for more foot and can be used roughly than other rooms.Save this picture!© Nao TakahashiYou can also use it as a living room where you can dry the laundry on the roof balcony or spend time without the eyes of the surroundings when the weather is nice. Since it was not able to have a garden on the ground on this site, a place like a garden was set up in the house. It is interesting that these spaces are similar to the street garden and courtyard of the Machiya traditional house in Japan. I think this house has become one of the answers as a modern-day Machiya.Save this picture!© Nao TakahashiProject gallerySee allShow lessGlamorous Glass Bricks Are Booming – AgainArticles25° Apartment / KIRI ArchitectsSelected Projects Sharelast_img read more

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Detroit fight continues against foreclosures, water shutoffs, banks

first_imgThe struggle to stop mass tax foreclosures and water shutoffs continues in Detroit, along with the political struggle to place the onus of these outrageous acts squarely on the banks and the bankers. Many activists see this struggle as part of the worldwide fight against finance capital and its bloodsucking thirst for ever-greater profits at the expense of the world’s workers and oppressed.A broad coalition has come together in Detroit and adopted a program for a moratorium on tax foreclosures, which the Moratorium NOW! Coalition to Stop Foreclosures, Evictions and Utility Shutoffs has been advancing.A letter drafted by the American Civil Liberties Union of Michigan called for the Wayne County Treasurer to enact “an immediate moratorium on all tax foreclosures of occupied homes until your office can ensure that they are done fairly and in accordance with the law.” Many groups and individuals signed it, including Moratorium NOW!, Sugar Law Center, ACCESS (Arab Community Center for Economic and Social Services) and Detroit People’s Platform.The following statement summarizes the 10-page letter: “Carrying out the planned tax foreclosures will cause an unprecedented human rights catastrophe.” A well-covered press conference and demonstration outside the treasurer’s office in downtown Detroit on May 12, the day the mass tax foreclosures were to go into effect, announced the letter’s call for a moratorium.As a result of community pressure and demonstrations, led primarily by Moratorium NOW!, the county treasurer was forced once again to delay the home seizures. The foreclosures of 20,000 to 25,000 occupied homes are now scheduled for June 8.Community efforts to stop this wholesale displacement of 25,000 families have already twice postponed the original March 31 foreclosure date.Fighting for water, against bankstersAt the same time that this struggle to stop mass tax foreclosures is in full swing, the Detroit Water and Sewerage Department has started shutting off water to another 25,000 homes. Last year, because of the struggle, the water department was forced to offer payment plans that were slightly better than those previously in place.But the plans were unrealistic for low-income, unemployed or impoverished families, which make up the bulk of this oppressed majority-African-American city. They just delayed the crisis through the winter, when subfreezing temperatures stopped water shutoffs anyway. Of 24,000 people enrolled in the plans, all but 300 are now in default and facing shutoffs once again.To add insult to injury and human suffering, in the midst of this double crisis facing tens of thousands of families, JPMorgan Chase is arrogantly having its board of directors meeting in Detroit on May 19.Chase way of handling housing loans is a prototype for the racist, subprime mortgage fraud that robbed and devastated cities and communities across the U.S. starting around 2006. Chase is also the leading holder of interest rate swaps worldwide, including the swaps that bankrupted the Detroit water department and are behind the city’s mass water shutoffs.A Moratorium NOW! leaflet for a demonstration outside the bank’s annual meeting states that Chase has made “trillions of dollars worldwide through its derivative unit, robbing cities and whole countries through its interest rate swap swindles. In Detroit, Chase and its fellow banksters were given $537 million out of the water department’s $1.1 billion bond deal in 2011-2012 marked for infrastructure repairs. These banks are the real culprit in the mass water shutoffs.”Moratorium NOW! is demanding that Chase, Bank of America, Wells Fargo and all the banks be made to pay to remove the blight and destruction they caused and to rebuild Detroit.Currently federal monies earmarked for the Helping Hardest Hit Homeowners program, intended to keep families out of foreclosure and in their homes, are being used to tear down abandoned and vandalized structures. Administering these millions for further destruction is none other than Dan Gilbert, head of Quicken Loans, which is being investigated by the federal government for mortgage fraud.The demonstration at the Chase annual meeting is set for May 19 starting at 9 a.m. outside the Westin Book Cadillac Hotel, corner of Michigan Avenue and Washington Boulevard, in downtown Detroit. For more information, call 313-680-5508 or visit moratorium-mi.org.The International Social Movements Gathering for Water and Affordable Housing will be held in Detroit from May 29-31 at various locations in the city. Coordinated by the Michigan Welfare Rights Organization and the Detroit People’s Water Board, to which Moratorium NOW! belongs, the three-day “gathering of regional, national and international allies [will] draft solutions and strategize on efforts to demand water and housing affordability and access for all people.” For more information, go to socialmovementsgathering.info.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

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The Cost of Household Renovations

first_img debt home renovation 2019-08-14 Mike Albanese Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago A new survey from Freedom Debt Relief reveals that 69% of homeowners with $10,000 in unsecured debt plan on renovating their homes in the next five years. Additionally, 60% of homeowners said they are unable to afford needed upgrades and are willing to go deeper into debt to fund the renovations. The survey states that 73% of homeowners planning renovations will finance the project with a debt-based financial product. Twenty-seven percent plan on paying in cash. Of those planning to renovate, 26% said they plan on spending more than $25,000 on renovations over the next five years. An additional 25% will spend between $5,000 and $10,000. Thirty-two percent of millennials plan to spend more than $25,000 on renovations, while Generation X homeowners plan on spending between $5,000 and $10,000. Payment options for these renovations vary, but 58% plan on using cash or savings to pay for projects. Also, 29% plan on using a Home Equity Loan, 28% plan on using a credit card, and 36% of millennials plan on using a credit card to fund their projects. While homeowners are willing to go further into debt to renovate their home, J.P. Morgan Chase reported that student debt, which has double to $1.5 trillion over the past decade, is the fastest growing household debt. “Although the financial returns from a higher education degree over a lifetime typically exceed the costs, roughly 22% of student loan borrowers are in default,” the report said. “As a result, some have framed the ‘student loan crisis’ as a crisis of student loan repayment rather than student loan debt.” Among the findings by J.P. Morgan Chase was that the average family pays a median of $179 per month in loans of take-home income in months with positive payments. Nearly a quarter of families spend more than 11% of their income on student loans. The study revealed that 44% of homebuyers who earn less than $50,000 annually make positive payments to their loan. That number increases to 52% for those earning between $50,000-$1000, and 63% for borrowers who make more than $100,000. The Cost of Household Renovations Demand Propels Home Prices Upward 2 days ago August 14, 2019 1,100 Views About Author: Mike Albanese Share Save Tagged with: debt home renovation Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, News Demand Propels Home Prices Upward 2 days agocenter_img The Week Ahead: Nearing the Forbearance Exit 2 days ago Home / Daily Dose / The Cost of Household Renovations Previous: Capitalizing on the Single-Family Investment Market Next: Addressing Hispanic Homeownership Related Articles Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Mike Albanese is a reporter for DS News and MReport. He is a University of Alabama graduate with a degree in journalism and a minor in communications. He has worked for publications—both print and online—covering numerous beats. A Connecticut native, Albanese currently resides in Lewisville. Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Subscribelast_img read more

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Protest to be held calling for inquest into Mary Boyle death

first_img Twitter Harps come back to win in Waterford By News Highland – January 12, 2018 Facebook WhatsApp News, Sport and Obituaries on Monday May 24th Previous articleDerry Girls: Channel 4 confirms second series of comedy starring Tommy TiernanNext articleIrish Water urged to outline timeline of works for Letterkenny News Highland Google+ Homepage BannerNews Facebook Important message for people attending LUH’s INR clinic Arranmore progress and potential flagged as population grows center_img Google+ Pinterest Twitter RELATED ARTICLESMORE FROM AUTHOR Protest to be held calling for inquest into Mary Boyle death A protest is being held in the coming weeks calling for an inquest into the death of Mary Boyle.The protest is due to take place on Saturday 10th March outside the surgery of Donegal County Coroner, Dr Denis McAuley to mark 41 years since the 6 year-old disappeared.Mary was last seen near her grandparents house in Cashelard, Co Donegal on 18th March 1977 and is Ireland’s longest missing child.Joe Craig, Mary’s cousin says the Justice for Mary Boyle group have organised the event in a bid to seek clarity:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2018/01/craigvbcv7am.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Pinterest DL Debate – 24/05/21 WhatsApp Loganair’s new Derry – Liverpool air service takes off from CODAlast_img read more

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Johnson outlines plans to replace backstop

first_img WhatsApp Twitter Homepage BannerNews Facebook Facebook Google+ Pinterest Harps come back to win in Waterford Twitter News, Sport and Obituaries on Monday May 24th Boris Johnson has told the EU the backstop is a ‘bridge to nowhere’ as he outlined his plans to replace it.The British Prime Minister has sent his plans to the European Commission saying it would be a failure of statecraft if they can’t reach a deal.This is Boris Johnson’s 11th hour compromise and does contain something of a shift in policy.He’s proposed Northern Ireland keeps all of the EU rules on goods, food and livestock to avoid the need for checks at the border.This would be contingent on the Stormont Executive approving that, and having a vote on whether to stay aligned with the EU or switch to UK rules every four years.Johnson has also asked for a UK wide customs territory to allow them to do free trade deals elsewhere.He said the single market could be protected while doing this – managing it with technology and electronic paper trails, as well as checks at factories and other points away from the border.The Prime Minister also spoke of a new deal for Northern Ireland – hinting at a large investment package to come.That may be what has got the DUP on side with the plan.But the reaction in Dublin and Brussels is as important.Earlier the Taoiseach said he didn’t think it was the basis for a deal, though he hadn’t seen the full text at that time.The EU will have to judge whether it’s concrete enough to protect the single market and avoid border checks.But it may be a starting position for more serious negotiations, just two weeks out from the key EU summit WhatsAppcenter_img Important message for people attending LUH’s INR clinic RELATED ARTICLESMORE FROM AUTHOR Previous articleAndy Lee impressed with Jason QuigleyNext articleMain Evening News, Sport and Obituaries Wednesday October 2nd News Highland By News Highland – October 2, 2019 Arranmore progress and potential flagged as population grows Google+ Pinterest Johnson outlines plans to replace backstop DL Debate – 24/05/21 Loganair’s new Derry – Liverpool air service takes off from CODAlast_img read more

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Missouri executes convicted murderer who fought death penalty due to illness

first_imgDanHenson1/iStock(JEFFERSON CITY, Mo.) — Russell Bucklew, a convicted murderer who fought against receiving the death penalty over concerns about an illness, was executed Tuesday evening by the state of Missouri.Bucklew had argued for months that the death penalty would qualify as cruel and unusual punishment due to blood-filled tumors that had grown in his head, neck and throat. He argued that a tumor on his neck could burst when given lethal injection and cause him to choke on his own blood.Lawsuits had postponed his execution date three times.Bucklew had sued the Missouri Department of Corrections, and Director Anne Precythe, in a case that went all the way to the U.S. Supreme Court. The case was argued from November 2018 until the court issued a ruling in the state’s favor in April. The ruling was 5-4 in favor of the Missouri Department of Corrections.“We mourn the unnecessary, unlawful execution of Russell Bucklew tonight,” Cassandra Stubbs, director of the Capitol Punishment Project at the American Civil Liberties Union, said in a statement issued after the execution was carried out. “Missouri carried out an execution that risked torture and violated international law, despite Mr. Bucklew’s remorse and exemplary prison record. To think that killing this man — who was terminally ill and had been a model prisoner for 23 years — was worth the stain on our democracy and our humanity is a disgrace.”Bucklew was convicted in the 1996 killing of a man connected to his ex-girlfriend, Stephanie Ray, after she broke up with him. According to court documents, Bucklew broke into the home of the man where she was staying after he threatened her with a knife. He shot and killed the man, Michael Sanders, and shot at and missed Ray’s 6-year-old son. He pistol-whipped Ray, breaking her jaw, kidnapped her and drove her to a secluded area where he raped her at gunpoint. He then got into a shootout with police officers, wounding one of them.He later broke out of jail and attacked Ray’s mother with a hammer, according to court records.Bucklew had first claimed the risk of the blood clots rupturing just hours before he was first to be executed, according to the Supreme Court.Supreme Court Justice Neil Gorsuch wrote in the majority decision from April that unconstitutional punishments are those that “intensify the sentence of death with a (cruel) ‘superaddition’ of ‘terror, pain, or disgrace.’” He ruled that Missouri’s plan to execute Bucklew with pentobarbital would not.Bucklew tried to offer an alternative method of execution, but the court also shot that down.“His main claim now was that he would experience pain during the period after the pentobarbital started to take effect but before it rendered him fully unconscious,” wrote Gorsuch. But, he also noted that the lower courts found Bucklew “produced no evidence that his proposed alternative … would significantly reduce the risk.”After his appeal to the Supreme Court was denied, he reached out to Missouri Gov. Mike Parsons hoping to be granted clemency. Parsons turned down the request Tuesday, hours before Bucklew was executed.According to the ACLU, the execution at the Eastern Reception Diagnostic and Correctional Center took 23 minutes and was carried out after he had been cut off mid-sentence on a call with his attorneys Tuesday evening.Activists had protested outside Parsons’ office and the courthouse on Tuesday hoping to halt the death sentence. Copyright © 2019, ABC Audio. All rights reserved.last_img read more

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