How Property Owners Can Prepare Financially for a Tornado

first_img Share Save Sign up for DS News Daily Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Government, Market Studies, News Related Articles How Property Owners Can Prepare Financially for a Tornado Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / How Property Owners Can Prepare Financially for a Tornado Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly,, Dallas Observer, Edible, and the Dallas Morning News, among others. The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post Demand Propels Home Prices Upward 2 days ago 2021-04-02 Christina Hughes Babbcenter_img Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Previous: Examining FHFA’s Commitment to Diversity Next: CFPB Instructs Servicers to Prepare for Forbearance Expirations The Week Ahead: Nearing the Forbearance Exit 2 days ago April 2, 2021 792 Views About Author: Christina Hughes Babb Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago A staggering number of tornadoes in America over the past decade has resulted in billions of dollars in property damage, which could be especially nerve-wracking for certain homeowners during the spring, since April, May, and June typically see the most tornado activity countrywide.The government outfit created to respond to natural disasters and aid victims, The Federal Emergency Management Agency (FEMA), has allotted $359,768,106 for tornado-related recovery during this time span, shows a report from LendingTree’s Value Penguin. That goes toward the approximately $14.1 billion damage overall to property and crops caused by 5,710 tornadoes hitting every state except Alaska, including Washington, D.C. In each of Alabama, Texas, Mississippi, and Illinois, twisters wreaking more than $1 billion in damages.But the frequency of hits did not necessarily dictate the distribution of funds.FEMA’s records show that just two states received nearly 50% of the agency’s disaster relief funds during this period, with unlikely Massachusetts leading the way, according to the report.The big takeaway for homeowners is this: Value Penguin data journalist Andrew Hurst says that “while the federal government’s efforts to repair tornado damage pose a multibillion-dollar financial commitment, data from insurers don’t indicate that affected property owners will face huge premium increases if a storm destroys their homes.”In the 13 states that are most prone to tornadoes, homeowners generally don’t face punitive increases to their premiums after a catastrophic loss. Insurance rates increased by an average of 8% following a total loss, according to the report.In other words, rate information shows an average per-year increase of only $180 in the states most likely to experience the greatest number of tornadoes.He adds that, based on the findings, FEMA Funding is not an adequate system to rely upon in case of a natural disaster.”If you are preparing for the upcoming Tornado season, double-check your home insurance coverage—and make sure your insurance will allow you to recover completely after a storm,” Hurst advises.”While most homeowners can be assured that their rates won’t rise precipitously after a tornado, if not adequately insured, [homeowners] may face hundreds of thousands of dollars of damage [they] may need to pay out of pocket.”To view his full report, visit: Subscribelast_img read more

What Santi Cazorla has said about returning to Arsenal as a coach

first_img Comment Metro Sport ReporterWednesday 18 Mar 2020 11:44 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link829Shares Advertisement What Santi Cazorla has said about returning to Arsenal as a coach Mikel Arteta and Santi Cazorla celebrating their 2015 FA Cup victory (Picture: Getty Images)‘I asked him about it, he said yes, he will consider as a coach when he retires but he wants to play for two more years.‘I tell you what, Mikel Arteta and Cazorla together, really good friends first of all but really good special minds of football.’More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing ArsenalCazorla has already been backed by Arteta to become a ‘great coach’ despite his inexperience.The midfielder told Goal: ‘Yes, I believed he would become a manager in the future. Even when I was playing with him, he showed great leadership in dressing room. ‘Some say it’s a gamble for Arsenal to appoint him, but I believe it’s a reasonable challenge. He also worked as a coach under Pep Guardiola. ‘I believe he can become a great coach. It’s not easy for any manager now to be like [Arsene] Wenger or [Sir Alex] Ferguson.’Follow Metro Sport across our social channels, on Facebook, Twitter and Instagram. For more stories like this, check our sport page.MORE: Arsenal, Tottenham and Everton eye transfer moves for Man Utd defender Chris SmallingMORE: Manchester City star Ilkay Gundogan sends message to Arsenal boss Mikel Arteta Cazorla has earned status as a cult hero at Arsenal (Picture: Getty Images)Santi Cazorla wants to move into coaching when he retires from playing football, opening the door for a reunion with former teammate Mikel Arteta at Arsenal, according to reports.The Spaniard spent six successful years in north London, linking up with Gunners coach Arteta to win two FA Cups. Cazorla, 35, is currently playing for Villarreal and his solid performances earning him a call up to the Spain squad in June 2019. Spanish journalist Guillem Balague said on his YouTube channel: ‘It’s interesting because I spoke to Santi not so long ago and he hasn’t renewed his contract with Villarreal which finishes at the end of the season.AdvertisementAdvertisementADVERTISEMENT‘Basically what may happen, he wants two more years playing. ‘Going back to Arsenal with Arteta is something that I think he will consider as a coach. Advertisementlast_img read more

AXA Switzerland eyes CHF260m domestic equity allocation

first_imgAXA’s Swiss pensions business is seeking to allocate CHF260m (€231m) to domestic companies, according to two searches launched via IPE Quest.It has tendered two equally-sized mandates, one for small and mid-sized listed equities (search QN-2541), and the other extended to large caps (search QN-2542). Both searches are for high-conviction, growth-oriented active managers to run a segregated mandate.The benchmark for the small- and mid-cap mandate is the SPI Extra index and for the large cap mandate it is either the SPI or the SXI Switzerland Sustainability 25. With regard to the large cap strategy, AXA Switzerland said managers’ investment style should “support ecological goals”.  The minimum tracking error is 1.5%.Managers bidding for the mandates should state performance gross of fees to 30 April 2019. The minimum required track record is three years.They should also have at least CHF750m already invested in the respective desired strategies, and at least CHF1bn under management as a firm.AXA Switzerland also stated that “managers should describe their selection criteria for positions and the underlying process”.The deadline for submissions is 4 June at 5pm UK time.The IPE news team is unable to answer any further questions about IPE Quest, Discovery, or Innovation tender notices to protect the interests of clients conducting the search. To obtain information directly from IPE Quest, please contact Jayna Vishram on +44 (0) 20 3465 9330 or email [email protected]last_img read more

Moorpark College hosts insect incubation

first_imgAs a result, a few hundred are now believed to be living in the wild, with a stock this winter in San Pedro of about 600 dormant pupae. For some time, said Army Major Jason Pike, an entomologist with the Defense Logistics Agency overseeing the project, biologists have wanted another breeding location, such as the one in Moorpark, as a backup. “If we’ve got all our endangered species in one place, a fire could wipe them out,” he said. “This is quite possibly the most endangered butterfly in the world.” Pupae were taken from San Pedro to Moorpark last month, and as spring arrived last week, the butterflies in Moorpark began emerging, breeding and producing eggs. “They are obviously happy. We’ve had lots of breeding and lots of eggs,” Johnson said. “Caterpillars are developing now that will become butterflies next spring.” Some of the butterflies will be taken to San Pedro to continue boosting the population there, she said, and some will used for more breeding next year in Moorpark. “I’m ecstatic,” Johnson said of the results so far. “I was a big ball of worry.” Travis Longcore, science director of the Urban Wildlands Group, said experiments are under way in Moorpark that will help refine the breeding techniques. “We couldn’t do this without the dedication of the students,” he said. What the students are learning from the butterflies might help some of them go on to help other endangered species, especially other endangered butterflies. “It’s very clear a lot of people are looking out for these little guys,” Longcore said. “We couldn’t have this number of butterflies without a lot of hands-on care.” [email protected] (805) 583-7602160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! The late winter’s dry, warm weather has presented a challenge because the butterflies need sun but can’t get too hot, she said. “We have really been fighting the hot, dry weather,” she said. “We have a tarp up, a swamp cooler and we are feeding the butterflies by hand twice a day.” At Moorpark, the butterfly rescue effort is housed at America’s Teaching Zoo, where students are trained for the college’s Exotic Animal Training and Management program. The Palos Verdes blue butterfly is one of the most endangered in the world and was actually feared extinct after it had not been seen for more than 10 years. But it was rediscovered in 1994 feeding on locoweed and deerweed at the Department of Defense Fuel Support Point in San Pedro. In 1994, there were only about 75 believed in existence, and since then biologists have been working with the Navy and the federal Defense Logistics Agency to help the butterfly’s population recover. MOORPARK With spring here, an effort to save one of the rarest butterflies in the world is getting a boost at Moorpark College, where students, faculty and other supporters are rallying to help the new butterfly breeding program. “The females have been laying eggs for about two weeks now,” said Jana Johnson, a part-time member of the biology faculty and a contract biologist for the Urban Wildlands Group, which is coordinating the rescue effort. So far, the effort to save the Palos Verdes blue butterfly has been successful because so many people are helping, Johnson said, noting that 18 people are working on the project. last_img read more

Club America vs Manchester United: Kick-off time, TV channel and team news

first_img possible xi How Man United could line up for Newcastle clash – will Pogba start? ALTERED Getty What time is kick-off?Either stock up on the caffeine or set the alarm, because it’s going to be an early one.The game is being held on Friday, July 21.Kick-off is at 3am UK time.Which TV channel can I watch it on?The game is being shown live and in full by MUTV.Sky subscribers can add the channel to their package for just £7 extra a month.It can be found on Channel 418. 2 Getty How Liverpool could line up at Leicester with midfielder set for lengthy absence How Arsenal could line up in Arteta’s first official game in charge – Ozil return? gameday How Chelsea could line up against Southampton – what system will Lampard play? who plays? center_img Jose Mourinho has taken his squad Stateside for another US pre-season tour.And the Red Devils are kicking off the trip against 12-time Liga MX champions Club America at the impressive Phoenix Stadium. NEW ERA Club America finished second in the Liga MX last term 2 Mourinho’s side face the Mexican’s in Phoenix What is the team news?Mourinho has got the chequebook out this summer and has secured the services of Fred and Diogo Dalot for big money.For this US tour, United’s World Cup stars such as Romelu Lukaku, Marcus Rashford and Marouane Fellaini are getting a well earned rest – so it’s a youthful looking squad.Here’s the touring party in full:Goalkeepers: Sergio Romero, Joel Pereira, Lee GrantDefenders: Antonio Valencia, Matteo Darmian, Diogo Dalot, Timothy Fosu-Mensah, RoShaun Williams, Chris Smalling, Eric Bailly, Axel Tuanzebe, Demetri Mitchell, Luke ShawMidfielders: James Garner, Ander Herrera, Andreas Pereira, Scott McTominay, Ethan HamiltonForwards: Tahith Chong, Angel Gomes, Juan Mata, Anthony Martial, Mason Greenwood, Joshua Bohui. Tottenham predicted XI to face Brighton with Mourinho expected to make big changes FOOTBALL LATEST Tottenham v Brighton LIVE: talkSPORT commentary and team news for Boxing Day opener predicted last_img read more

The Root Causes of Your Poor Sales Results

first_img Essential Reading! Get my 2nd book: The Lost Art of Closing “In The Lost Art of Closing, Anthony proves that the final commitment can actually be one of the easiest parts of the sales process—if you’ve set it up properly with other commitments that have to happen long before the close. The key is to lead customers through a series of necessary steps designed to prevent a purchase stall.” Buy Now An exhaustive list of all the reasons your sales results aren’t what you want them to be would require a vast number of posts. The menu here is what I see right now with some ideas about what you might do to eliminate them. None of these are easy to resolve, as they all require behavior changes and tough conversations. You have to solve the root causes of your poor sales results if you want them to improve.No Effective Role ClarityThe Account Executive, a pure sales role, is often found doing the work that belongs to an Account Manager. The Account Manager ends up doing the work of Customer Service (or some similar role). People in operational roles who are struggling to serve the client pass their challenges to the person most competent to deal with the problem—and the client. When you pull salespeople out of a selling role, their sales decline.Salespeople don’t spend enough time selling for many reasons, including distractions, being burdened with email communications, and time spent taking care of their responsibilities to their company. When there is confusion about their role and outcomes, they spend even less time selling. A lot of the things Account Executives spend their time on when it comes to taking care of their clients feels like work, but it isn’t the right work. They need to own the outcomes, not the transactions.Imposing role clarity doesn’t require a purity test that forbids the salesperson from being engaged in a serious challenge serving the client, but it does require removing them from the day-to-day management of their clients.Recently, more companies are trying to model SAAS companies, slicing the sales role into thinner and thinner slices. The idea is old enough to include Adam Smith’s division of labor and Frederick Winslow Taylor’s scientific management. These companies struggle when reality doesn’t match their theory about roles. By pulling their senior salespeople out of the prospecting role, they deprive their prospects of conversations with the person who is best prepared to help them.Whatever the design of your structure, it should both serve the outcomes, and provide clarity about each role’s responsibility.No Strong DirectionPeople need to be led. More still, they want to be led. They want to know what they’re supposed to do and how they are supposed to do it. They want to succeed in their role. When you deprive them of strong direction from leadership, they tend to struggle. Sales leaders who struggle with establishing noon-negotiables worry about being autocratic when they should worry more about setting high standards.Leaders are often too removed from their teams to provide strong direction. Their communication isn’t frequent enough, nor is it direct enough about what they want, why they want it, and how their teams need to go about producing results. The communication also isn’t consistent enough to make it believable as a real priority.I have spoken to a sales organization three years in a row, each year bringing a new primary goal, a new strategy, a new methodology, a new structure (or modifications to the existing structure), and a new compensation plan. What was most important just twelve months ago went unachieved.Strong direction and high standards are foundational to strong execution. For most sales leaders, the most effective new strategy they could pursue would be to execute their plans over many years with firm direction before ever looking at something new.No AccountabilityNo organization produces the results they are capable of without accountability. There is a lack of accountability in sales now, and you will find it in most organizations, invariably in the activities that fall under the category called opportunity creation. There is too little willingness to hold salespeople accountable for prospecting and scheduling first meetings with prospective clients. Managers don’t want to be micromanagers. Accountability is not micromanagement; it’s macro-management.Senior sales leaders look at forecasts made up of opportunities that will soon be celebrating their fifth anniversary of being entered into the CRM (I only wish I was exaggerating). Sales managers allow their salespeople to hide behind a couple of big deals they claim to be working, optimistic about winning them and avoiding any conversation about new opportunities. They also accept excuses for not prospecting because the salesperson suggests they were too busy taking care of their existing accounts (see Role Clarity above).Salespeople need to be accountable for precisely two outcomes: 1) opportunity creation, and 2) opportunity capture. Both of these outcomes require role clarity, strong direction, and accountability. While I don’t believe any sales leader would argue with these outcomes, there are too few who are willing to impose the necessary accountability. Instead, they tinker with the compensation plan, mistakenly believing that everyone on their team is solely motivated by money.If you want a result, you have to hold people accountable for producing it—and doing the work necessary to make it so.Avoiding Tough DecisionsAvoiding tough conversations and tough decisions lead to increasingly poor results.A person is allowed to remain in the wrong role indefinitely, even though they are failing and unhappy, and even though the leader is unhappy with their performance.The senior person who is negative and cynical infects others with their disease in private and public conversations is allowed to infect others with debilitating beliefs without consequence.The operations team passes their problems to the salesperson to solve, and no one has yet broached the subject of their hiring people with the competency to manage the day-to-day client issues that pull salespeople out of their role.There has been no accountability for so long that it is difficult to imagine how to start imposing it now. No one wants to hit the reset button and begin the process of transformational change.If you are a sales leader, I guess that you could very quickly write down the names of the individuals in the scenarios above (only because they are so universal that any leader would have no trouble with this exercise). Leaders are required to make decisions, including the tough, but necessary calls.Presenting Problems and Root CausesThe presenting problem is poor sales results. The root cause is something else, and probably many factors. Better sales results are only possible when you treat the root causes.last_img read more

Particulate filter research may enable more fuelefficient vehicles

Provided by Oak Ridge National Laboratory Explore further Researchers are looking to neutrons for new ways to save fuel during the operation of filters that clean the soot, or carbon and ash-based particulate matter, emitted by vehicles. ORNL researchers Todd Toops, Charles Finney, and Melanie DeBusk (left to right) hold an example of a particulate filter used to collect harmful emissions in vehicles. Using neutrons, they are cultivating a better understanding of how heat treatments and oxidation methods can remove layers of soot and ash from these filters, which could lead to improved fuel efficiency. Credit: ORNL/Genevieve Martin A team of researchers from the Energy and Transportation Science Division at the Department of Energy’s (DOE’s) Oak Ridge National Laboratory (ORNL) is studying soot and ash collection and removal in particulate filters with neutron imaging, a technique sensitive enough to detect fine layers of material. Using the Neutron Imaging Facility instrument, beamline CG-1D, at ORNL’s High Flux Isotope Reactor (HFIR), they are investigating the structure of particulate layers generated by a series of gasoline fuels.Since 2007, U.S. emissions regulations have required particulate filters to control soot from diesel vehicles. Now, researchers are investigating how to use these filters for gasoline direct-injection engines, which release particles even smaller than those produced by diesel-powered engines. The ORNL team set out to decipher the differences between the ways diesel and gasoline particulates interact with the filters and learn how best to manage filter operation in both categories.”The purpose of our research is enabling more fuel-efficient vehicles, whether that’s understanding how the soot regenerates in diesel vehicles to improve fuel economy, or evaluating how a future gasoline filter would handle soot,” said ORNL’s Todd Toops.Because soot particulates have a carbon base, filters can be restored to their original states by removing carbon-based material through heat treatments and oxidation methods, which researcher Charles Finney said are “comparable to those of a self-cleaning oven.” The removal process, known as “regeneration,” requires additional fuel injection that reduces fuel efficiency.In addition to problems with efficient soot regeneration, the researchers face challenges with ash-based particulates, which cannot be regenerated with heat treatments. These metal oxide particles accumulate in the filter over time and clog some of the filter pores. As a result, the team seeks to understand how ash levels affect soot collection.Their strategy involves successively oxidizing more and more particulate matter within the particulate filters to see how the regeneration progresses and how the ash accumulates.”A key result of our neutron study will be to observe how the particulate matter layer is removed during successive oxidation steps,” said researcher Melanie DeBusk. “The images generated from this work will allow us to look at how the thickness of the layer changes throughout these oxidation stages.” As they continue studying carbon and ash-based particulate interactions, the researchers hope their findings could have profound implications for cleaner, safer vehicles. Citation: Particulate filter research may enable more fuel-efficient vehicles (2018, February 14) retrieved 18 July 2019 from Clean soot particle filters This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. read more