Why I think the Lloyds share price could do even worse in 2020 than 2019

first_img Image source: Getty Images “This Stock Could Be Like Buying Amazon in 1997” Enter Your Email Address Alan Oscroft | Thursday, 13th February, 2020 | More on: LLOY 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. Simply click below to discover how you can take advantage of this. Why I think the Lloyds share price could do even worse in 2020 than 2019 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.center_img Our 6 ‘Best Buys Now’ Shares Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! We approached the end of 2019 with the prospect of a no-deal Brexit looking like it was disappearing. And I thought that could signal a turn in fortune for Lloyds Banking Group (LSE: LLOY) shareholders.The shares even started to tick up in December once the election results were known. But that was before our new Prime Minister committed us to a do-or-die pact, insisting that EU negotiations must complete in 2020.5G 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…Alas, from a 73.66p high on 13 December, the Lloyds Bank share price has slumped by 22% to 57.4p.Tough talksIn recent days, the EU has signalled a hardening stance on its negotiating position. Our European friends, it seems, aren’t going to just lie back and think of Boris. But I really don’t see why anyone would be the least bit surprised by that.British banks aren’t going to get automatic passporting rights, but that shouldn’t make much direct difference to Lloyds, which has remade itself as a UK-focused retail bank. That’s been a success so far, turning it back to growing profitability.After several years of recovering earnings, analysts are expecting to see pre-tax profit of around £6.8bn for the 2019 year just ended. We’ll have to wait until 20 February for the results, but I’ve seen nothing to suggest there’ll be any disappointment.The balance sheet is a lot stronger now, and Lloyds comfortably passed the Bank of England’s latest stress tests in December.DividendThe dividend has come storming back too. There’s a yield of 5.9% on the cards for 2019, which would be around 2.1 times covered by predicted earnings. Forecast rises for the next couple of years would take that to 6.4% by 2021 (though cover would drop slightly, to 1.9 times).If all that sounds good, and I think it does, why is the Lloyds share price performing so badly? The biggest bearish factor stems from the very same thing that isolates Lloyds from the EU financial markets. While focusing on the UK market makes a positive difference there, Lloyds is exposed solely to the UK’s economic performance. And that might not be great.While the UK economy grew by 1.4% over the whole of 2019, the final quarter was flat. And the latest forecasts suggest overall weakening in 2020. And what if Boris’s bluster doesn’t get us a good deal with the EU? That, I reckon, would send the BoE back to its forecasting blackboard to erase all hope of growth in the next few years.Then there’s competition, from both the challenger banks and from ever more new ways of moving cash around.Still a buySaying all that, I still rate Lloyds as a buy.We’re looking at forward P/E valuations of around 8.5, which I see as very much based on a worst-case scenario. I’ve never been a worst-case kind of person, and I think there’s too much downside fear priced into the shares.If EU negotiations go well, I could see Lloyds shares storming ahead in 2020. But if they turn bad, I think we could be in for yet another weak year. What will I do? I’ll keep on taking my dividends, and I might even top up. Alan Oscroft owns shares of Lloyds Banking Group. The Motley Fool UK has recommended Lloyds Banking Group. 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. See all posts by Alan Oscroftlast_img read more

Slide House / APOLLO Architects & Associates

first_imgPhotographs:  Masao Nishikawa Manufacturers Brands with products used in this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/880379/slide-house-apollo-architects-and-associates Clipboard Japan Houses Masaki Structure, Kenta Masaki Structural Engineer: Photographs ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/880379/slide-house-apollo-architects-and-associates Clipboard Projects Slide House / APOLLO Architects & AssociatesSave this projectSaveSlide House / APOLLO Architects & Associates Architects: APOLLO Architects & Associates Area Area of this architecture project 2017 Save this picture!© Masao Nishikawa+ 14 Share Area:  90 m² Year Completion year of this architecture project Year:  CopyHouses•Koto, Japan Manufacturers: Miele, FONTE TRADING, W-Double Slide House / APOLLO Architects & Associates Lighting Designer: “COPY” SIRIUS LIGHTING OFFICE “COPY” Architect In Charge:Satoshi KurosakiCity:KotoCountry:JapanMore SpecsLess SpecsSave this picture!© Masao NishikawaRecommended ProductsFiber Cements / CementsSwisspearlSwisspearl Largo Fiber Cement PanelsWoodGustafsWood Veneered Wall & Ceiling PanelsFiber Cements / CementsEQUITONEFiber Cement Facade Panel NaturaWoodParklex International S.L.Wood cladding – FacadeText description provided by the architects. This small house in a residential district in eastern Tokyo is home to a couple and their young children. The dark grey galvalume cladding blends gently into the surrounding environment, as if it has been there for many years. Because the lot sits across the street from an elementary school, the clients requested a design that ensured privacy yet was as open as possible.  Save this picture!© Masao NishikawaPrivate spaces such as bedrooms are located on the first floor, while the second floor contains a family room with a high, sloped ceiling finished in walnut planks aligned lengthwise to give the space a greater feeling of depth and dynamic connection.Save this picture!Floor PlansSave this picture!SectionIn order to make maximum use of the lot’s narrow frontage, the second floor of the façade consists of one large window. This, however, is covered with wooden louvers that shield the interior from view of passersby and the school, while still allowing in light, breezes, and views. A steel staircase in the family room provides access to the roof but also functions as a sculptural element accenting the high-ceilinged room.Save this picture!© Masao NishikawaThe rooftop is surrounded by walls, creating a private courtyard that serves as an additional living and dining area. Clerestory windows facing onto this terrace bring soft natural light into the family room throughout the day.Save this picture!© Masao NishikawaWhile the house is small, it is innovatively designed so that family members can move through the vertical space and find their own favorite places to relax; for instance, because the husband enjoys DJing as a hobby, there is a DJ booth next to the first-floor bedroom. This, perhaps, is the unique freedom and pleasure of a small urban house.Save this picture!© Masao NishikawaProject gallerySee allShow lessAltlife Bookstore in Ningbo / KokaistudiosSelected ProjectsLaurelhurst MidCentury / mw|works architecture + designSelected Projects Share ArchDaily CopyAbout this officeAPOLLO Architects & AssociatesOfficeFollowProductWood#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesKotoJapanPublished on October 02, 2017Cite: “Slide House / APOLLO Architects & Associates” 02 Oct 2017. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogWoodTechnowoodPergola SystemsWindowsMitrexSolar WindowMetal PanelsAurubisPatinated Copper: Nordic Green/Blue/Turquoise/SpecialCommunications2NIntercom – 2N® IP BaseSkylightsLAMILUXGlass Skylight FE Pyramid/HippedConcreteKrytonCrystalline Waterproofing – KIMWood Boards / HPL PanelsBruagWall Cladding – MDF Perforated PanelsStonesMikado QuartzQuartz Slab – ClassiqueFloorsFranken-SchotterFlooring Panels – Dietfurt LimestoneWindowspanoramah!®ah! CornerFittingsSaliceStorage Accessories – Excessories, Pull- outArmchairs / Couches / Futons / PoufsEmuSeating System – TamiMore 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 streamlast_img read more

AP House Urbino / GGA gardini gibertini architects

first_img Year:  Projects Products translation missing: en-US.post.svg.material_description Houses AP House Urbino / GGA gardini gibertini architects AP House Urbino / GGA gardini gibertini architectsSave this projectSaveAP House Urbino / GGA gardini gibertini architects CopyAbout this officeGGA gardini gibertini architectsOfficeFollowProductsStoneConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRiminiIcebergItalyPublished on August 29, 2020Cite: “AP House Urbino / GGA gardini gibertini architects” 29 Aug 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?与石头对话,听传统建造的故事 AP House Urbino / GGA gardini gibertini architects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 ArchDaily ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/879658/ap-house-urbino-gga-gardini-gibertini-architects Clipboard MEP: Area:  1080 m² Year Completion year of this architecture project Italy Lighting: Silvagni & Zaccagni, eng. Alessandro Gazzoni, IET, Termoidraulica Regini Landscape Design: General Contractor: center_img Architects: GGA gardini gibertini architects Area Area of this architecture project BBF Constructions “COPY” Manufacturers: FritsJurgens, Agape, Riva 1920, Viabizzuno, FACE, MANOLOBAGNI, ONDA BLU PISCINE, PLH Rossi Bianchi Lighting Design “COPY” CopyHouses•Rimini, Italy ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/879658/ap-house-urbino-gga-gardini-gibertini-architects Clipboard Photographs:  Ezio Manciucca Manufacturers Brands with products used in this architecture project Save this picture!© Ezio Manciucca+ 44Curated by María Francisca González Share Products used in this ProjectFormwork / AccessoriesFritsJurgensSelf-Closing Pivot Hinge – System MArchitect In Charge:Alice Gardini, Nicola GibertiniCollaborators:Andrea Bit, Carlotta MicheliStructures:Lorenzo SilvagniCity:RiminiCountry:ItalyMore SpecsLess SpecsSave this picture!© Ezio Manciucca‘AP House’ bears witness to the rebirth of an ancient rural hamlet situated on the top of one of the highest hills in Urbino, highly esteemed for its landscape and environment. The new system of buildings stands on ancient remains dating back to Medieval Communes. Linked to each other on the hypogeum level, the structures rest on a red concrete platform (38 X 20 mt) dominating the surrounding landscape. The core of the houses, which forms a single housing unit, restablishes a central role to this site in the landscape, restoring a direct and empathic dialogue between new buildings and historical stratification. The structures, in their stone shell, free from any superfetations such as gutters or drainpipes andin their measured proportions, are offered to the landscape as pure, discreet and silent artifacts recovering their identity and affinity with the rural cultural matrix of the place.Save this picture!© Ezio ManciuccaSave this picture!Site PlanSave this picture!© Ezio ManciuccaIf the project with its architectural compositions and rigor, faithfully interprets the typical formal themes  of this Italian region (Marche), in its interiors, in the treatment of the materials, the design of the plant and its furnishings, it wants to vindicate its remarkable contemporaneity.Save this picture!© Ezio ManciuccaThe fair-face reinforced concrete structure of the internal perimeter, creates space for natural light to flood in and releases the volume from any other load-bearing element. The full functional program is arranged on three levels. In order to avoid the parking of cars and the sight of any means of transport at the garden level,the main entrance is located in the large garage in the basement. On the lower level, besides the technical and plant areas, there are all the main facilities: a cinema room, an exhibition gallery in the connecting space between the main building and its annex and a gym with an adjoining SPA. From the basement, the staircase leads directly to the heart of the main building where the view opens up over the stunning hilly landscape and the swimming pool area. The ground floor, completely projected towards the outdoors, has no continuity solution with the garden: This is the living room, dining room, kitchen and private studio space.Save this picture!© Ezio ManciuccaOn the first floor, arranged around a large balustraded landing, is the master apartment and two double bedrooms with thier suite restrooms.The furniture design, created entirely by GGA architects and made of natural walnut wood, qualifies and creates order in each room concealing service areas and plant and technology components. The annex, with its wooden frame structure, is a barn memory which is often a constant presence in this scenery. A third building is located in the garden upon a little artificial hill. In its basement there is a storage room for the gardening equipment and a barbecue on the ground floor. This part of the garden, with its disaligned geometry made of Corten steps and grass, wants to slightly break away from the severeness of the whole outdoor composition.Save this picture!© Ezio ManciuccaThe energy supply, which is only electrical, is guaranteed by an extensive photovoltaic system hidden in the grounds of the property and located at a distance from the buildings. Save this picture!© Ezio ManciuccaOriginally published on September 14, 2017. Project gallerySee allShow lessBruksgården / Petra Gipp ArkitekturSelected ProjectsHouse in Clavadel / Krähenbühl Architekten StudioSelected Projects Share Photographs GGA gardini gibertini architects 2017last_img read more

Reporters Without Borders contributes to UN Human Rights Council review of Libya

first_img News RSF_en News News November 8, 2010 – Updated on January 20, 2016 Reporters Without Borders contributes to UN Human Rights Council review of Libya Receive email alerts The United Nations Human Rights Council will examine the situation in Libya on 9 November, during the ninth session of its Universal Periodic Review.Reporters Without Borders is contributing to the review. The text of its contribution can be found below.The situation in Libya is not improving. Libya was ranked 160th out of 178 countries in the 2010 Reporters Without Borders press freedom index while Muammar Gaddafi is still on the organization’s list of the 40 “Predators of Press Freedom.”Reporters Without Borders has consultative status with the United Nations Economic and Social Council. Although there have been other positive changes in recent years, most of them promoted by Seif al-Islam Gaddafi, the new openness did not last. The nationalisation of al-Libeyya in June 2009, and another new TV station, al-Wasat, signalled the start of the regime’s clawback, even if it was possible to read articles critical of this decision in Oea. In January 2010, Oea and Quryana both ceased publication after the General Press Authority banned them from printing on the pretext of non-payment of certain bills. These newspapers have continued to appear online.Although independent news websites based abroad such as Libya al-Youm, al-Manara and Jeel Libya have long been accessible in Libya, and their correspondents allowed to work in the country, the authorities began censoring the Internet in January 2010, blocking YouTube from 24 January onwards. This followed the posting of videos of demonstrations by the families of prisoners in the city of Benghazi, and of footage of members of Gaddafi’s family attending parties. Other independent and opposition websites were also blocked on 24 January 2010. A protest campaign has been launched on Facebook by Libyan netizens, journalists and human rights activists with the aim of getting the sites accessible again. The authorities have also recently set up a new regulatory body (Niyaba As-Sihafa) responsible for monitoring journalists who do investigative reporting on corruption cases in Libya.Four journalists working for the Radio Benghazi programme Massaa al-Kheir Benghazi (Good Evening Benghazi) were arrested on 16 February 2010 and were held overnight. Their programme specialised in exposing local government and private sector corruption in the city of Benghazi. It also focused on politically sensitive issues such as the Abu Salim prison massacre in June 1996. The station’s director, who took the programme off air, dismissed the four journalists and banned them from the station’s premises. Contribution of Reporters Without Borders (a non-governmental organisation with special consultative status) about press freedom in LIBYA News Recommendations Reporters Without Borders is very concerned about the press freedom situation in Libya and urges the authorities to lift the General Press Authority’s ban on the printing of the privately-owned newspapers Oea and Quryana, reverse the nationalisation of the TV stations al-Libeyya and al-Wasat, and stop censoring the Internet. Reporters Without Borders recommends legislative reforms, including reform of the 1972 press law. The reform of the criminal code that was drafted in 2009 contains provisions that violate Libya’s international obligations. It is vital that the international community be vigilant on this point and press Libya to adopt a criminal code that complies with the international treaties it has signed and ratified.The press freedom organisation also calls for light to be shed on the fate of Abdullah Ali al-Sanussi al-Darrat, the journalist who has been missing since 1973.The information in this report was gathered and checked by Reporters Without Borders, which has a network of correspondents in 130 countries and partner organisations in about 20.There are countries where journalists can spend years in prison because of a word or a photo that offends. Reporters Without Borders has been working tirelessly to defend press freedom since 1985 because it believes that imprisoning or killing a journalist eliminates a vital witness and threatens everyone’s right to be kept informed. Well-known Libyan journalist missing since his arrest Organisation Repressive legal stranglehold continuesArticle 13 of the 1969 Constitution guarantees the right to freedom of expression but “within the limits of public interest and the principles of the Revolution.” The 1972 press law is also very restrictive. Article 178 of the criminal code provides for life imprisonment for the dissemination of news or information that could “tarnish the country’s reputation or undermine confidence in it abroad.” Article 207 provides for the death penalty for “whoever disseminates within the country, by whatever means, theories or principles aiming to change the basic principles of the Constitution or the fundamental structures of the social system or to overthrow the state’s political, social or economic structures or destroy any of the fundamental structures of the social system using violence, terrorism or any other unlawful means.” Reform of the criminal code has been in preparation since 2003, with the latest draft produced in 2009. While containing a number of improvements, it still includes many measures that considerably restrict press freedom. These measures conflict with Libya’s international obligations since it signed seven international treaties on the protection of human rights. In an August 2007 speech, Seif al-Islam Gaddafi spelled out the four subjects that are off-limits for freedom of expression in Libya: 1) the application of Islamic law, the Koran and its obligations 2) Libya’s security and stability 3) Libya’s territorial integrity and 4) Muammar Gaddafi. Seif al-Islam Gaddafi stressed several times that he himself was not off-limits. Judges are free to interpret the scope of these “red lines” as they see fit.This repressive grip necessarily fosters a considerable degree of self-censorship among journalists. Reporters Without Borders still has no information about the investigation into the disappearance of journalist Abdullah Ali al-Sanussi al-Darrat since his imprisonment in 1973.Libya was ranked 156th out of 175 countries in the Reporters Without Borders press freedom index. to go furthercenter_img Help by sharing this information LibyaMiddle East – North Africa Related documents libya_rsf-upr.pdfPDF – 169.99 KB Six imprisoned journalists to finally appear in court in Istanbul ——-Language: English On Libyan revolution’s 10th anniversary, authorities urged to guarantee press freedom February 23, 2021 Find out more Overview of press freedom situationLibya’s chairing of the UN Security Council last month was the latest step in its reintegration into the international community, a process that began with the lifting of an international trade embargo in 2004. It has been accompanied by a relative improvement in basic freedoms, including media freedom, although progress remains fragile. After a series of moves to open up the media sector in the past two years, the government has started to pull back. A legislative stranglehold on the media continues. Progress clawed backA privately-owned Libyan company, al-Ghad, obtained permission to launch two newspapers, Oea and Quryana, and a satellite TV station, al-Libeyya, in August 2007. Although al-Ghad is controlled by Seif al-Islam Gaddafi, one of Muammar Gaddafi’s three sons, this decision to create Libya’s first privately-owned media raised hopes that the country would finally be allowed a degree of media freedom. Al-Ghad’s three media were certainly permitted greater freedom of expression than the state-run media. Three months later, in November 2008, Agence France-Presse was allowed to open a bureau in Tripoli, with a foreign journalist officially accredited as its full-time correspondent. Then, in February 2009, al-Ghad announced that permission had been obtained for 90 Arab and other foreign publications to be sold again in Libya, ending a 25-year ban on such sales. Follow the news on Libya Human Rights Council – Universal Periodic ReviewNinth session – 2010 LibyaMiddle East – North Africa June 24, 2020 Find out more December 17, 2019 Find out morelast_img read more

Visa Unveils New Credit Card Benefit with NortonLifeLock

first_img WhatsApp By Digital AIM Web Support – February 8, 2021 Visa Unveils New Credit Card Benefit with NortonLifeLock Pinterest Twitter Twitter SAN FRANCISCO–(BUSINESS WIRE)–Feb 8, 2021– Visa Inc. (NYSE: V) announced today the availability of a new benefit for its Visa consumer credit accountholders in the U.S. Consumers with Visa Infinite, Visa Signature or Visa Traditional credit cards can now enroll and take advantage of a complimentary offer and discounts on products and services from NortonLifeLock, a global leader in consumer Cyber Safety. “The past year has brought tremendous change in the way people are using their Visa credit cards and associated benefits,” said Brian Cole, head of product, NA, Visa. “Our new benefits with NortonLifeLock address some of the most requested benefits among our U.S. accountholders, and will help bring value to Visa accountholders every day, from anywhere they may be.” ID Navigator Powered by NortonLifeLock is now available to consumers with Visa Infinite, Visa Signature or Visa Traditional credit cards. Identity theft protection benefits ranked #3 in customer preference out of 46 benefits tested in a Visa U.S. Credit Benefit Research study (2020) 1. LifeLock is a leader in identity theft protection, making it a top priority addition to Visa’s card benefits platform. Accountholders can take advantage of complimentary Dark Web Monitoring, One-Bureau Credit Monitoring Alerts, Stolen Wallet Assist, and Restoration Assist features. Accountholders can use the LifeLock Identity app to help manage their account and alerts. Accountholders will also have access to special offers on more robust identity theft offerings that include restoration features such as the LifeLock Million Dollar Protection™ Package. “Taking steps to be more informed about potential threats to your identity is one of the most important things you can do to help secure your financial and digital life,” said Robert Clarkson, chief commercial officer, NortonLifeLock. “We look forward to helping provide resources and tools that Visa accountholders need to stay vigilant as it furthers our vision to protect and empower consumers to take control of their digital lives.” This updated offering of account benefits is part of Visa’s commitment to providing credit benefits that are designed to deliver meaningful value and meet evolving consumer needs and expectations. About Visa Visa Inc. (NYSE: V) is the world’s leader in digital payments. Our mission is to connect the world through the most innovative, reliable and secure payment network – enabling individuals, businesses and economies to thrive. Our advanced global processing network, VisaNet, provides secure and reliable payments around the world, and is capable of handling more than 65,000 transaction messages a second. The company’s relentless focus on innovation is a catalyst for the rapid growth of digital commerce on any device for everyone, everywhere. As the world moves from analog to digital, Visa is applying our brand, products, people, network and scale to reshape the future of commerce. For more information, visit About Visa, visa.com/blog and @VisaNews. Visa Credit Benefit Refresh Benefits Research 2020   View source version on businesswire.com:https://www.businesswire.com/news/home/20210208005098/en/ CONTACT: Shannon Reed, Corporate Communications, Visa 415-805-4892 [email protected] KEYWORD: UNITED STATES NORTH AMERICA CALIFORNIA INDUSTRY KEYWORD: PROFESSIONAL SERVICES DATA MANAGEMENT SECURITY TECHNOLOGY SOFTWARE FINANCE INTERNET SOURCE: Visa Inc. Copyright Business Wire 2021. PUB: 02/08/2021 08:00 AM/DISC: 02/08/2021 08:02 AM http://www.businesswire.com/news/home/20210208005098/en Facebookcenter_img TAGS  Pinterest Local NewsBusiness Previous articleLife’s First Naturals Expands Product LineNext articleJND Legal Administration Inducted into New York Law Journal Hall of Fame Digital AIM Web Support Facebook WhatsApplast_img read more

JetBlue plane passenger diagnosed with coronavirus after landing in Florida

first_imgLeoPatrizi/iStock(PALM BEACH, Fla.) — A passenger on a flight from John F. Kennedy International Airport in New York City to Palm Beach, Florida, has been diagnosed with the coronavirus.The plane landed around 8:30 p.m. Wednesday, according to Palm Beach County Fire Rescue. The crew and 114 passengers were stuck on the tarmac for hours as health officials spoke to everyone on board.Passengers who were near the COVID-19 positive patient were given instructions on monitoring their health over the next few days. They were allowed to leave the airport without seeing a doctor.“At this time passengers in the vicinity of the positive patient were advised of monitoring procedures,” Palm Beach County Fire Rescue said in a statement. “The rest of the passengers were released to go home,” and given directions to call the health department with any medical concerns.Airline workers are now sterilizing the “limited containment area” where the passengers deplaned, which officials said is a separate area from the airport’s main terminals.At least 127,000 people have been diagnosed with the coronavirus globally with at least 4,717 deaths reported. In the U.S., there are at least 1,323 confirmed cases and 38 coronavirus-related deaths. President Donald Trump announced Wednesday night that he was severely restricting air travel for 30 days from most of Europe as Italy and other countries battle to contain the outbreak. The new regulations begin Friday. The European Union issued a statement Thursday, saying Trump’s Europe travel ban is wrong and won’t work. “The coronavirus is a global crisis not limited to any continent and it requires cooperation rather than unilateral action,” the E.U. said in a statement Thursday. “The European Union disapproves of the fact that the U.S. decision to impose a travel ban was taken unilaterally and without consultation. The European Union is taking strong action to limit the spread of the virus.”Copyright © 2020, ABC Audio. All rights reserved.last_img read more

Quantitative comparison of taxa and taxon concepts in the diatom genus Fragilariopsis: a case study on using slide scanning, multi‐expert image annotation and image analysis in taxonomy

first_imgSemi‐automated methods for microscopic image acquisition, image analysis and taxonomic identification have repeatedly received attention in diatom analysis. Less well studied is the question whether and how such methods might prove useful for clarifying the delimitation of species that are difficult to separate for human taxonomists. To try to answer this question, three very similar Fragilariopsis species endemic to the Southern Ocean were targeted in this study: F. obliquecostata, F. ritscheri, and F. sublinearis. A set of 501 extended focus depth specimen images were obtained using a standardized, semi‐automated microscopic procedure. Twelve diatomists independently identified these specimen images in order to reconcile taxonomic opinions and agree upon a taxonomic gold standard. Using image analyses, we then extracted morphometric features representing taxonomic characters of the target taxa. The discriminating ability of individual morphometric features was tested visually and statistically, and multivariate classification experiments were performed to test the agreement of the quantitatively‐defined taxa assignments with expert consensus opinion. Beyond an updated differential diagnosis of the studied taxa, our study also shows that automated imaging and image analysis procedures for diatoms are coming close to reaching a broad applicability for routine use.last_img read more

Album review: Sigur Ros, Hvarf-Heim

first_img*** After the well-earned success of 2005’s Takk (off the back of Planet Earth-soundtracking song ‘Hoppípolla’), many bands would have sought to cement their status with a rushed-out follow-up. Sigur Rós, inscrutable as ever, have instead chosen to release a collection of acoustic recordings and old but in the main previously unrecorded material.Hvarf brings together the odds-and-sods that missed out on album release. It seems fairly clear why this was the case. ‘Salka’ never quite reaches the heights of its live performances, despite an inevitable take-off at the end. ‘Hljomalind’ would not quite have fitted on ( ), and ‘Í Gaer’, while colossal, is rather too close to ‘Untitled #7’ for comfort.Unsurprisingly, the two re-releases fair better. ‘Von’ remains a thing of restrained beauty. ‘Hafsól’, originally on Von but here in its Hoppípolla EP guise, remains the best thing the band have put to record. Building slowly from a tapped bassline, it ascends to incredible heights, before releasing 6 minutes of bottled-up tension and collapsing in a heap of feedback.Heim, meanwhile, sees the band stripping down their sound. Without singer Jónsi Birgisson’s bowed feedback, the songs lose the overpowering, crystalline quality which has been their trademark. Some songs benefit from this sparse arrangement: ‘Starálfur’ in particular is achingly pretty; ‘Von’ filled with barely contained passion. Others, however, miss the woozy head-rush of emotion that characterises their best work. ‘Vaka’, so often a transcendental moment in the band’s live sets, falls flat here, and other cuts are pleasant but ephemeral.If Takk was seen by many as the band coming in from the cold after the self-consciously bleak ( ), this double-CD (or at least its live disc) seems to be the band removing the veil of mystique which has followed them throughout their career. This seems a shame: so much of their appeal lies in their otherworldly, alien soundscapes, Jónsi’s voice one of (to us) wordless joy, hurt, loss. Perhaps after tying up these loose ends, they can get back to the job of breaking our hearts.By Robin Whelanlast_img read more

COMMENTARY: THE OPPORTUNITY FOR  THE VANDERBURGH COUNTY REDEVELOPMENT COMMISSION TO PLAN FOR THE FUTURE

first_imgFacebookTwitterCopy LinkEmailShare THE OPPORTUNITY FOR  THE VANDERBURGH COUNTY REDEVELOPMENT COMMISSION TO PLAN FOR THE FUTUREDuring the last several years we have been quietly observing the activities of the Vanderburgh County Redevelopment Commission with extreme interest. We have seen some really productive community projects created for the public good by this board.  We also witnessed some political bickering and infighting. In fact, sometimes it was downright disappointing how certain members treated each other during the meetings.The Redevelopment District of Vanderburgh County was established for the purpose of levying and collecting special benefit taxes (TIF) for economic redevelopment purposes.The Redevelopment Commission Board’s mission is to finds and determines that all of the taxable property within this special taxing district will be considered to be benefited by the redevelopment projects and economic development projects.The five members serving on this board are appointed by the County Council and County Commission.  Newly appointed members of this board are County Commissioner Cheryl Musgrave (R), County Commissioner Ben Shoulders (D), County Councilmen Jim Raben (R), County Councilman Tom Shelter (R), and well-known and respected businessman, Wayne Kinney.There are five (5) TIF Districts in Vanderburg County. Money collected from the five (5) TIF Districts is used to enhance the quality of life issues in the County.By far the largest and most profitable TIF in Vanderburgh County is Burkhardt Road TiF.  During the last 3 or 4 years, many millions of dollars collected from Burkhardt Road TIF has been used for the expansion of Kansas Road, Oak Hill Road, Booneville -New Harmony Road and a proposed North Greenriver trails, sidewalks, and bike paths in the near future.Members of this board determine what projects will have the most beneficial economic and quality of life impact within the budget restraints of the respective TIF”S.  The board submits its recommendations to the Vanderburgh County Commission who then approves the project contracts.It’s important to point out that the newly appointed members of this board are strong will, opinionated, intelligent, hard-working, honest, visionary, have proven business skills, are politically savvy, and have the desire to make Vanderderburgh County a better place to raise their kids.  In fact, we consider the overall makeup of the membership of this most important public board to be competent.We urge County Commissioner Cheryl Musgrave (R), County Commissioner Ben Shoulders (D), County Councilmen Jim Raben (R), County Councilman Tom Shelter (R), and Wayne Kinney to use all their life experiences and business skills to plan, analyze and candidly discuss how they can invest future TIF money in a creative, responsible and conservative. manner.  Most importantly, they will achieve measurable results if they decide future projects by a consensus vote.If they can achieve the above challenges this will be the perfect opportunity for members of the Vanderburgh County Redevelopment Commission to show the citizens of our community that are indeed outstanding public servants that know how to practice “Good Public Policy.”CCO STAFFlast_img read more

Award-Winning Singer Kate Tombaugh To Make Encore Appearance At USI Performance Center

first_imgAward-Winning Singer Kate Tombaugh To Make Encore Appearance At USI Performance CenterKate Tombaugh, an award-winning vocalist who has performed professionally with opera companies and symphonies throughout the United States, will present “It Just Takes One,” her acclaimed one-woman theatrical production, at 6:30 p.m. Wednesday, October 17 in the University of Southern Indiana Performance Center. Tombaugh’s performance is being sponsored by the USI Foundation in honor of its 50th anniversary and it free and open to students, faculty and the public.“It Just Takes One” is an entertaining musical that pulls theater-goers into the charming story of a young woman in her twenties struggling to balance a career and social life. One person described Kate’s performance this way: “The show was the perfect combination of vocal talent humor, engaging storyline, and song selection. I didn’t want it to end.” Tombaugh was previously on campus in March to perform “It Just Takes One,” as well as give presentations and conduct masterclasses with USI performing arts students.Tombaugh trained as a young artist in the Santa Fe Opera Apprentice Artist program and was a Gerdine Artist with Opera Theatre of St. Louis and Resident Artist with Utah Opera. Additionally, she was a Stern Fellow in the LA-based Songfest and performed in the Opera Studio at AIMS in Graz, Austria. She holds a master’s degree in voice performance from the University of Cincinnati College-Conservatory of Music and bachelor’s degrees in English literature and vocal performance from Illinois Wesleyan University. Tombaugh is the founder and executive director of the arts nonprofit organization Poco a Poco, which hosts a week-long summer music festival for high school-aged vocalists. She lives in Murray, Kentucky, with her husband, Dr. Steven Weimer, assistant professor of music at Murray State University, and their daughter, Grace.Reservations are encouraged but not required. For more information or to reserve a seat at no charge, contact Sharon Burks-Maier at 812-465-7149 or [email protected] LinkEmailSharelast_img read more