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CFI Holdings Limited (CFI.zw) listed on the Zimbabwe Stock Exchange under the Agri-industrial sector has released it’s 2011 annual report.For more information about CFI Holdings Limited (CFI.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the CFI Holdings Limited (CFI.zw) company page on AfricanFinancials.Document: CFI Holdings Limited (CFI.zw) 2011 annual report.Company ProfileCFI Holdings Limited is a leading agricultural-based industrial holding company in Zimbabwe; primarily involved in manufacturing and selling fresh produce and manufacturing stock feed, aswell as property management and letting. Through subsidiaries and joint ventures; it manages wholesale and retail outlets, offers products and services for animal health, operates maize and wheat mills, and is involved in poultry farming and producing and selling poultry products. CFI Holdings Limited manages a separate entity offering services for the development and management of real estate in Zimbabwe. STALAP Investments is now the largest shareholder in CFI Holdings Limited after increasing its stake in the company to over 40%. STALAP is an investment vehicle owned by Zimre Holdings. Its retail outlets include Farm & City and Vetco Animal Health; its specialised divisions include Victoria Foods, Saturday Retreat Estate, Reston Developers and Maitlands Zimbabwe Limited. Poultry is marketed and distributed through Agrifoods, Agrimix, Hubbard Zimbabwe, Glenara Estates, Crest Breeders International and Suncrest Chickens. CFI Holdings Limited is listed on the Zimbabwe Stock Exchange
Forget the soaring Cineworld share price. I’d buy these quality UK shares to get rich and retire early
Image source: Getty Images Paul Summers | Tuesday, 8th December, 2020 | More on: AJB CINE GAW “This Stock Could Be Like Buying Amazon in 1997” Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Simply click below to discover how you can take advantage of this. 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. Enter Your Email Address Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Paul Summers owns shares of AJ Bell PLC. The Motley Fool UK has no position in any of the shares mentioned. 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 Paul Summers Our 6 ‘Best Buys Now’ Shares 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. Forget the soaring Cineworld share price. I’d buy these quality UK shares to get rich and retire early The Cineworld (LSE: CINE) share price is up a little over 50% in the last month alone. As someone who’s long avoided the stock, am I bothered? Not in the slightest. In my view, the company is still uninvestable. Cineworld’s problems go beyond the ‘temporary’ closure of its cinemas. Highly indebted before the pandemic took hold, it was also facing stiff competition from the likes of Netflix and Amazon Prime for viewers’ eyeballs. The recent news that Warner Bros will stream new films at the same time as they hit the silver screen is yet another hurdle for the company to negotiate.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…Given this, it’s perhaps no surprise that Cineworld remains one of the most shorted stocks on the market. As such, it has no place in my strategy for getting rich and retiring early. Instead, I’m focused on buying great UK companies with promising futures.Better bet than the Cineworld share priceInvestment platform provider AJ Bell (LSE: AJB) is one example. It released some impressive numbers last week, further underlining the £1.8bn-cap’s potential to grow investors’ cash over time.Revenue rose 21% to £126.7m over the 12 months to the end of September. Pre-tax profit fared even better, jumping 29% to £48.6m, thanks to “record dealing activity.“Although not an income stock, it’s also worth highlighting the total dividend came to 6.16p per share. That’s 28% up on last year. If that’s not a sign of management confidence, I’m not sure what is!Indeed, according to CEO Andy Bell, the company is in a great position to benefit from the “long-term growth drivers of the platform market.” It’s certainly attracting more business. Total customer numbers rose 27% to over 295,000 over FY20.Not only is AJ Bell attracting new customers, but it’s also holding on to them. Customer retention “remained high” at 95.5% over the period. Loyalty/inertia like this will likely help mitigate the introduction of higher fees on some accounts going forward.Of course, the time to buy AJ Bell was back in March. Anyone doing so would be sitting on a gain of around 70%. No matter. At only a quarter of the size of peer Hargreaves Lansdown, I think there’s plenty of growth left to come. At 48 times earnings, AJ Bell is eye-wateringly expensive but it’s a holding I intend to add to on any temporary dips.One-of-a-kind stockFantasy figurine-maker Games Workshop (LSE: GAW) is another quality UK stock I’d buy over a binary ‘bounce or bust’ play like the Cineworld share price. Yesterday’s half-year trading update may have been brief but it was still highly impressive. The company now believes it’s made sales of £185m over the six months to 29 November. This has sent profits soaring to £90m – 53% higher than over the same period in 2019. On top of this, management declared a 60p per share special dividend in accordance with its rule of returning “truly surplus cash” to its owners. On a forecast P/E of 30, shares in Games Workshop are undoubtedly expensive. Then again, a ‘one of a kind’ company in a niche market, generating high margins and boasting significant cash reserves surely warrants its premium rating. There will likely come a time when market expectations become unrealistic but, for now, the FTSE 250 member’s purple patch looks set to continue. I doubt the Cineworld share price can keep up.
Save this picture!Cortesía de Ensamble Studio+ 73Curated by Clara Ott Share Architects: ENSAMBLE STUDIO Area Area of this architecture project Houses Year: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/956546/can-terra-ensamble-studio Clipboard ArchDaily “COPY” Projects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/956546/can-terra-ensamble-studio Clipboard CopyHouses•Spain Ca’n Terra House / ENSAMBLE STUDIOSave this projectSaveCa’n Terra House / ENSAMBLE STUDIO 2020 Area: 1000 m² Year Completion year of this architecture project Ca’n Terra House / ENSAMBLE STUDIO Manufacturers Brands with products used in this architecture project Spain Manufacturers: AutoDesk, DANCOVER, Faro, PENTACERO HIERROS, PIEDRA MARESDesign Team:Javier Cuesta, Borja Soriano, Alvaro Catalan, Massimo Loia, Marco Antrodicchia, Sebastián Zapata, Arianna Sebastiani, Ekam Sahni, Yu-Ting Li, Joel Kim, Gonzalo Peña, Barbara Doroszuk, Yvonne Asiimwe, Mónica AcostaDeveloper:Ensamble StudioCountry:SpainMore SpecsLess SpecsSave this picture!Cortesía de Ensamble StudioRecommended ProductsWindowspanoramah!®ah!38 – FlexibilityWindowsC.R. LaurenceCRL-U.S. Aluminum Unit-Glaze SystemWoodAccoyaAccoya® Cladding, Siding & FacadesWoodLunawoodThermowood FacadesSave this picture!PlanSave this picture!Cortesía de Ensamble StudioText description provided by the architects. Ca’n Terra is the house of the earth: first just that, earth; after quarry, voided from its Mares stone; then used by the military as ammunition dump during the Spanish Civil War and later abandoned, to be rediscovered decades later and come to be architecture. The found space has industrial logic, artistic potential as a sublime cavern carved by hand, and mineral nature as an extract of the stony landscape on the island of Menorca. Finding this excavated space in the guts of the earth and reinventing its use implies writing a new story that can rescue it from its abandonment. If the history of civilization has evolved transforming ideas into matter, here the process is inverted.Save this picture!Cortesía de Ensamble StudioSave this picture!ElevationSave this picture!SectionSave this picture!Cortesía de Ensamble StudioSave this picture!Cortesía de Ensamble StudioWe enter the space like explorers would do, equipped with the technology that expands our vision in the dark; scanning the solid structure that was built for us. Behind the scan, the architect’s eye, directing, interpreting, creating the space again, completing it with operations that are familiar to the stone mass: new cuts to build using air and light. Three skylights are carved in the darkest corners to naturally illuminate and ventilate the space. Stone surfaces are thoroughly cleaned from the mold and dirt accumulated. Translucent curtains are introduced to delimit areas of intimacy. Mechanical systems are integrated in a series of casted slabs that follow the topography of the cave and mixes cement with Mares powder to create a new stone. Solar panels, septic tank and water cistern enable its use off the grid.Save this picture!Cortesía de Ensamble StudioSave this picture!SectionSave this picture!SectionSave this picture!Cortesía de Ensamble StudioSave this picture!Cortesía de Ensamble StudioArchitecture appears and we can inhabit. In lieu of the imposing action that we often exert on the environment, we propose a trip to the interior being of matter, and recognize the beauty of the spaces that are waiting to be lived. This is a project that boldly seeks a balance between nature and artifice, between histories and times, between people and the environment.Save this picture!Cortesía de Ensamble StudioSave this picture!AxoSave this picture!Cortesía de Ensamble StudioProject gallerySee allShow lessIndustrial or Natural Future: Is It Possible to Create Organic Cities Shaped by Tech…ArticlesPaul Clemence Captures Mecanoo’s Renovation Works of the Mies van der Rohe-Designed …Architecture News Share “COPY” CopyAbout this officeENSAMBLE STUDIOOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesOn FacebookSpainPublished on February 09, 2021Cite: “Ca’n Terra House / ENSAMBLE STUDIO” [Ca’n Terra / ENSAMBLE STUDIO] 09 Feb 2021. ArchDaily. Accessed 10 Jun 2021.
printA baby born today has a Sun in Aquarius and a Moon in Libra.HAPPY BIRTHDAY for Tuesday, Feb. 2, 2021:Sophisticated, dynamic and original, you do the impossible and make it look easy. You work hard in private, and this year you produce a masterpiece with discipline and mastery. Your cultural beginnings are important. If single, you prefer to remain so this year and will decide when you come out of your own world. If attached, your partner does a lot for you and you’re happy. CANCER wants more intimacy.The Stars Show the Kind of Day You’ll Have: 5-Dynamic; 4-Positive; 3-Average; 2-So-so; 1-DifficultARIES (March 21-April 19)★★★★A partner might need more encouragement and support from you. Patience is important, but be honest and let go if a situation just isn’t working. An age difference can be a factor to consider regarding one you cherish. Tonight: Dinner date with one you love.TAURUS (April 20-May 20)★★★Wellness is important today. The impact of longtime health habits becomes apparent. Reach fitness goals with patience and attention to detail. Water therapies can be especially effective. Tonight: Organize your living space and clear out clutter, and you’ll feel so much lighter.GEMINI (May 21-June 20)★★★★A magnetic attraction can develop. The planets show so many changes around you, though, that a relationship might not stabilize. Today promises some dalliances and liaisons. Enjoy, but with caution if you are attached. Tonight: Children give delight and joy.CANCER (June 21-July 22)★★★★Today ushers in a sentimental, emotional cycle. Keepsakes and memorabilia remind you of earlier times. Memories are a gift to remind you how much you’ve grown. You feel more settled with home and family issues. Tonight: You realize what your heritage and family background means.LEO (July 23-Aug. 22)★★★★You can do a great deal of writing today. Cards and letters, as well as stories and poems, flow freely. Neighbors are friendly; accept invitations they extend. Return phone calls promptly. They can be very important. Tonight: Finish old emails and clear out your inbox.VIRGO (Aug. 23-Sept. 22)★★★Today promises you information about and an understanding of financial matters. You have a changing attitude about income and security. There is a new awareness about what money really does and doesn’t mean. Tonight: Be ready to grow, expand and experiment to assure success.LIBRA (Sept. 23-Oct. 22)★★★★★Today draws in vivid dreams and insights. Your emotions and desires are strong. Maintain balance. You attract attention and can win support for a favorite project of yours if you reach out to others. Tonight: Follow fresh ideas and take the initiative.SCORPIO (Oct. 23-Nov. 21)★★★★★The roles others play in your life are chameleon-like. You are sensitive to sound and color and can excel at artistic expression or musical performance. Meditation offers you new philosophies and insights. Tonight: You’re aware of how you have used time and resources.SAGITTARIUS (Nov. 22-Dec. 21)★★Use care in establishing a new relationship. People offer advice and assistance. Human interest values such as friendship are worth more than business acumen. There are surprises revolving around love. Tonight: Thinking about being cautious for the first time in your life.CAPRICORN (Dec. 22-Jan. 19)★★★★The role of guide and teacher is yours today. Much is expected of you. Others rely on your skills. You realize that a part of the past must end. You will want to be unencumbered. Relatives respond if you express your love. Tonight: Relax.AQUARIUS (Jan. 20-Feb. 18)★★★★There are marvelous social prospects with foreign-born or well-traveled friends. Be friendly if on a journey now. There can be meetings with kind and valuable people. Enroll in an online seminar or class. Tonight: Writing and publishing are favored.PISCES (Feb. 19-March 20)★★★Be tolerant if others are inattentive. There is a general air of being preoccupied, which interferes with deep concentration. Divide work hours into small segments to make the best of this trend. Tonight: Detective and occult themes in movies and books are engrossing.Born today: Writer James Joyce (1882), comedian Tom Smothers (1937), singer Shakira (1977) Tamia Banks Facebook Horoscope: April 30, 2021 Horoscope: May 1, 2021 Horoscope: April 29, 2021 Twitter Horoscope: April 28, 2021 Facebook Horoscope: May 2, 2021 + posts Horoscope: April 30, 2021 ReddIt Tamia Bankshttps://www.tcu360.com/author/tamia-banks/ Horoscope: May 2, 2021 Previous articleWhat we’re reading: Trump parts with lead impeachment lawyers, avalanche buries skier in UtahNext articleWhat we’re reading: A trip to space for childhood cancer research, McConnell condemns Rep. Majorie Taylor Greene Tamia Banks RELATED ARTICLESMORE FROM AUTHOR Twitter Tamia Bankshttps://www.tcu360.com/author/tamia-banks/ Linkedin Linkedin Tamia Bankshttps://www.tcu360.com/author/tamia-banks/ ReddIt Horoscope: May 1, 2021 Horoscope: April 29, 2021 Tamia Bankshttps://www.tcu360.com/author/tamia-banks/
ChadAfrica Reporters Without Borders has called for the release of journalist Evariste Ngaralbaye, of the privately-owned weekly Notre Temps, who has been detained by the national gendarmerie for the past four days. “We protest against the continue detention of Evariste Ngaralbaye. He should be urgently released,” the worldwide press freedom organisation said, adding. “We remind the Chadian authorities that journalists are entitled to write about a subject of public interest such as the army, without fear of imprisonment.” The journalist was summoned on 27 October 2006 to the national section for judicial research (SNRJ) of the N’Djamena gendarmerie and was immediately put into a cell without explanation.The state prosecutor, questioned by the managing editor of Notre Temps and the president of the Chadian human right League, explained that the arrest was linked to the publication in the weekly’s 274th edition of an article headlined, “The conflict in the East: a pointless war” which referred to the case of child soldiers.The defence ministry gave a press conference the previous evening during which it warned journalists whose articles “cast a slur on the army” without any evidence and denied that children were being recruited into the army. News Receive email alerts Follow the news on Chad ChadAfrica News to go further December 1, 2020 Find out more RSF_en November 27, 2020 Find out more Help by sharing this information Organisation News Evariste Ngaralbaye, journalist of the privately-owned weekly Notre Temps, was provisionally released on 31 October 2006, after being locked up for four days with common-law prisoners. Justice Minister Abderaman Djasnabaille ordered his release because of a procedural error. The journalist had in fact been arrested before a complaint against him had been lodged.He is being sued by the National Gendarmerie for “defamation” and “damage to the reputation and morale of the troops”. Ngaralbaye is due to make his first appearance in court in N’Djaména on 2 November 2006. ————————————————————-30.10.2006Police hold journalist in custody for four days October 7, 2020 Find out more The 2020 pandemic has challenged press freedom in Africa November 1, 2006 – Updated on January 20, 2016 Journalist provisionally freed after four days of illegal detention Chadian radio stations on strike in protest against violent raid Many historic publications threatened with closure in Chad Reports
Project Management Institute’s Megatrends 2021 Underscores How Projects Will Counterbalance the Rising Forces of…
Twitter Emerging markets hold the promise of addressing long-festering challenges like global poverty, as well as the potential to reap the demographic dividend, but still require significant global investments in infrastructure and education. The growth of artificial intelligence (AI) has rewired the possibilities for technology and continued learning, but leaders must grapple with the ethical implications of AI on the complex issues of bias and inequality. These complex challenges will continue to drive demand for versatile and bold project talent who can help make social impact projects a strategic priority, foster open and innovative partnership ecosystems, and rethink relationships with customers and wider stakeholders. Project-based skills are essential to helping enterprises turn ideas into a reality. The capabilities of project professionals and change-makers with a broad global perspective will only grow in The Project Economy, the emerging global landscape in which organizations will increasingly deliver financial and societal value through the successful completion of projects, delivery of products, and alignment to value streams. “We live in a world of change and uncertainty—and COVID-19 has accelerated these trends with major shocks and disruptions to the world of business and society itself overnight,” said Prashara. “This report provides a preview of the world we’ll live in and how our community of project professionals and change-makers can drive greater social impact and value, no matter what sector or corner of the world. Success today requires that they continue to cultivate a strong business acumen and understanding of the broader strategic environment in which we’re operating.” You can read the full Megatrends 2021 report online at https://www.pmi.org/learning/thought-leadership/megatrends. About Project Management Institute (PMI) Project Management Institute (PMI) is the world’s leading association for those who consider project, program or portfolio management their profession. Through global advocacy, collaboration, education and research, we work to prepare more than three million professionals around the world for The Project Economy: the coming economy in which work, and individuals, are organized around projects, products, programs and value streams. Now 50 years in the making, we work in nearly every country around the world to advance careers, improve organizational success and further mature the project management profession through globally-recognized standards, certifications, communities, resources, tools, academic research, publications, professional development courses and networking opportunities. As part of the PMI family, ProjectManagement.com ® interactive website creates online global communities that deliver more resources, better tools, larger networks and broader perspectives. Visit us at www.PMI.org, www.projectmanagement.com, www.facebook.com/PMInstitute and on Twitter @PMInstitute. View source version on businesswire.com:https://www.businesswire.com/news/home/20210208005744/en/ CONTACT: Drew Pradeep Tel: 215-704-9857 [email protected] KEYWORD: UNITED STATES NORTH AMERICA PENNSYLVANIA INDUSTRY KEYWORD: OTHER HEALTH SOFTWARE INTERNET PROFESSIONAL SERVICES DATA MANAGEMENT TECHNOLOGY OTHER EDUCATION ENVIRONMENT EDUCATION FINANCE CONSULTING HEALTH SOURCE: Project Management Institute Copyright Business Wire 2021. PUB: 02/08/2021 02:04 PM/DISC: 02/08/2021 02:04 PM http://www.businesswire.com/news/home/20210208005744/en The climate crisis is compelling leaders in every sector to collaborate and marshal resources on a global scale to alter the broad trajectory of climate change and mitigate its many near-term consequences. TAGS Project Management Institute’s Megatrends 2021 Underscores How Projects Will Counterbalance the Rising Forces of Disruption Pinterest The global wave of protests spanning the past decade has revealed that change is not a question of if, but rather when, and has sparked a growing corporate commitment to racial, gender and ethnic diversity. By Digital AIM Web Support – February 8, 2021 Facebook WhatsApp Previous articleMcNeil & Company Acquires Wilson Gregory Agency, Inc.Next articleHoldCo Asset Management Calls for Greater Transparency From Berkshire Hills’ Board Around Strategy and Exploration of Strategic Alternatives Digital AIM Web Support Facebook PHILADELPHIA–(BUSINESS WIRE)–Feb 8, 2021– Project Management Institute (PMI) has released its latest report on long-term business, geopolitical, and technological trends that are reshaping our world and the types of projects that will be most prevalent and critical in the years to come in the face of these disruptions. Megatrends 2021 helps to ensure that project leaders can better understand the world’s rapid transformation and the global context in which they are working today. This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20210208005744/en/ “We know the world changed significantly in 2020, but our research confirmed the long-term impact of how these trends are changing how the world does business,” said Sunil Prashara, President and CEO of Project Management Institute. “There is virtually no industry and no geography that is untouched by the five megatrends outlined in this report. From COVID-19 to the climate crisis to the mainstream use of AI, these forces are driving change across sectors, requiring leaders to embrace new ways of thinking and working. As change-makers in their organizations and communities, project leaders are in a unique position to tackle these challenges and embrace new possibilities.” The report, which draws on trend data, secondary research, and interviews with project professionals, news reports, and industry data, elaborates on a range of cross-cutting and urgent themes: The impact of COVID-19 revealed deep vulnerabilities in our technology preparedness capabilities and deep-seated inequities in our health, education, and economic systems. Twitter Local NewsBusiness WhatsApp Pinterest
Twitter TAGSBBBHeather MasseyMother’s Day Previous articlePET OF THE WEEK: RoseNext articleLETTER TO THE EDITOR: Legal gun owners aren’t the issue Heather Massey By Heather Massey – May 2, 2021 Facebook Facebook Twitter BusinessBBB Column Pinterest Heather Massey is the Regional Director of the Better Business Bureau in the Permian Basin. Check out www.bbb.org or call 563-1880. With Mother’s Day around the corner, many consumers are searching for that perfect gift that symbolizes their appreciation for that special person in their life. In a recent poll, 43% of consumers indicated that finding a unique or different gift is the main consideration when shopping for Mother’s Day. While some individuals have the foresight to purchase gifts months in advance, which is far from the norm, Mother’s Day creates a surge of online purchase activity and frantic browsing on specialty websites.Seeking out specialty gifts often leads consumers to niche websites and businesses, arenas in which fraudulent actors can operate under the guise of legitimacy. This is especially true of online purchases, where businesses can portray any number of specialty services that entice thoughtful consumers to part with their money.To protect yourself from falling victim to Mother’s Day gimmicks, follow these guidelines provided by your Better Business Bureau:Online PurchasesShop with a credit card. It is easier to dispute charges that were not approved or get your money back when using a credit card than with debit, prepaid or gift cards.Beware of deals that seem “too good to be true.” Offers on websites and in unsolicited emails may offer amazing deals on specialty items. Make sure to read these offers carefully; there may be hidden costs or monthly subscriptions disguised as purchases.Check a site’s security. Secure sites should start with “https://” and include a lock icon on at least the purchase or shopping cart page.FlowersShop local. Search for local florists for floral arrangements rather than using online stores. If the person who is receiving the flowers lives in another city, check for florists in that area. Make sure you order the arrangement with enough time for delivery and ask about any additional fees.Verify affiliation. It is not uncommon for local flower shops to be affiliated with third-party entities. BBB recommends consumers spend the time to confirm that the business they are placing an order with is affiliated with the intended third-party resource.Guides, Tours and ClassesPay attention to the details. While art classes, wine tastings and cooking lessons are great choices for a unique gift, make sure that these activities’ details are in writing. Pay particular attention to whether reservations are needed and any restrictions, special requirements or cancellation fees.For more information on how to securely shop this Mother’s Day, visit BBB.org. WhatsApp Pinterest WhatsApp BBB Tip: Shop securely this Mother’s Day
Servicers Navigate the Post-Pandemic World 2 days ago Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago in Daily Dose, Featured, Loss Mitigation, News, Print Features June 12, 2017 1,752 Views The Best Markets For Residential Property Investors 2 days ago Insurance 2017-06-12 Brad Bordelon Brad Bordelon is the VP of Hazard Claims at ZVN Properties. During the last 11 years, Brad has proven himself as a forward-thinking leader in hazard insurance claims, property catastrophe adjusting, and construction project management. Insurance and field service companies within the mortgage servicing space have relied on Brad’s unique skill set to implement and execute procedures and processes directly relating to the reduction of overhead cost and the increase in recoverable claim funds for damaged properties. Additionally, Brad’s senior management experience has played a key role at the ground level of many of the major catastrophic losses within the U.S. Sign up for DS News Daily Home / Daily Dose / Before and After the Storm Related Articles Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago Share Save About Author: Brad Bordelon Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: Insurance The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Previous: Nonbank Lenders Becoming Draw for IT Professionals Next: A Look at What Experts Are Saying About Regulation The Week Ahead: Nearing the Forbearance Exit 2 days ago Finding safe refuge during a dangerous hailstorm or hurricane can pose its own set of challenges, but the greater difficulty often presents itself once the storm subsides. How do you handle the aftermath and resulting property damages? For homeowners, storm preparedness requires more than keeping a few cases of water on hand, though that is certainly a start. But the need for proper preparation definitely doesn’t apply only to homeowners. Damages can reach well beyond a storm’s physical path to impact all parties involved with a property. What steps can you take as an investor, aggregator, bank, or servicer to protect yourself and your interests this hail and hurricane season? The first line of defense is to arm the people actually living in the homes with a thorough storm-preparedness plan, like the one I’ve detailed here. Take note, and then share these tips with your clients as well to ensure everyone is prepared for safe practices and a smoother recovery should a storm hit. Document EverythingAs a licensed adjuster, my best piece of advice is to know what you have up front—in detail and with thorough documentation. Make sure you take photographs of every angle of your assets. Inventory any upgrades and investments in appliances, including HVAC systems. If repairs have been made in recent years, it’s best to save copies of invoices, before and after photos, and any documentation proving capital improvements have been made. These items are crucial during the claim filing and settlement process.And I do mean photo document everything, from cars to barbeque grills to the exterior of the home. Also, having predamage photos updated at least once a year is important for getting claims paid quickly and accurately. This is a sunny-skies step, as proper preparedness begins well before the weather changes. Ride Out the StormHailstorms are particularly disastrous because they can cause serious physical damage. Stay indoors away from windows, and prepare to go without basic services for at least 48 hours. Electricity is the first utility to go, aside from our beloved internet and Wi-Fi connectivity. Make sure you have fresh batteries, candles, and several cases of bottled water on hand. Keep canned and dry goods stocked as well to carry you for a few days if you lose power because that, in turn, can make you lose the food in your refrigerator. If that happens, also take a photo of everything in your refrigerator because some homeowner’s policies include coverage for food spoilage. But you won’t be paid for it if you don’t claim it!Stay InformedHurricane preparedness is a much more complex topic that I can’t cover completely here, but I will begin with this: Prepare for the worst. I grew up in New Orleans and experienced Hurricane Katrina. I was totally not prepared then, but I’ll share what I know now. Stay informed before, during, and after the hurricane. Keep your television, radio, phone, or other device with news access turned on. Stay abreast of changes in storm track, intensity, and severity. This will help you and your family make safety-minded decisions. Purchasing a two-way radio is a sound investment if you live in an area prone to widespread catastrophes like hurricanes. Some of these radios have the ability to tune into the National Oceanic and Atmospheric Administration to get updates directly from the National Weather Service. If you’ve lost power, water, and cellular connectivity, these radios can prove lifesavers not only for getting information in but also for reaching out for help. For those in hurricane hot spots, a good rule of thumb is to have a week’s worth of food and water for each person in the home. Local services like police and fire become overwhelmed in hurricane situations, and you could face a long wait before help arrives. Likewise, knowing CPR and having a first aid kit could make the difference in your or someone else surviving or not.Plan for Evacuation If your local news, weather, and government agencies are telling you to evacuate, it’s probably best to heed their warning. When it comes to hurricanes, higher ground means dryer ground. Evaluate potential evacuation routes; plot out potential areas of risk where local lakes, streams, and rivers could rise; and overprepare your food and water rations. Remain aware of your surroundings, especially after you’ve evacuated your home. Again, documentation is important. Take pictures of your surroundings whenever possible. If you have family or friends who don’t live in a coastal area, set up a pre-emptive plan of action to relocate to their residence in the event of a catastrophic hurricane. Outstaying your welcome should not be a problem if you have good homeowners insurance, as the insurer will pay for additional living expenses (ALE), allowing you to stay in temporary housing and/or hotels if an actual weather event severely damages your property or otherwise prevents you from returning home. ALE doesn’t allow for you to live at a high-end resort in Hawaii, of course, but it provides additional funds needed above and beyond what you would normally spend to live comfortably outside of your home. Save your receipts. Know Your RightsIn the unfortunate event that a hailstorm or hurricane hits a property you own or are servicing, make sure you are aware of your rights to recover and your duties as an insured. If you purchase a policy on a home you own, your rights to recover are very similar to the rights of an investor or bank servicer. As the purchaser of the policy, you have the right to file claims for damages to your home and personal property as the result of sudden and accidental losses. The same applies for investors and bank servicers, but only the structure and permanent attachments as lienholders, they may only claim. The lienholder may also have a special set of duties or conditions under the policy, so make sure you or your claims recovery company is aware of these special conditions. As an insured or additional insured, you have the right to request a certified copy of the policy, which will detail all coverage, endorsements, and exclusions applicable to your specific policy. Hailstorms and hurricanes are sudden, accidental, and considered acts of God. The good news: Damage from these types of severe weather are generally covered under homeowners insurance. If you have a basic dwelling policy in place, you do not have adequate coverage. Basic dwelling policies, also known as DP-1s, are referred to as fire policies because that’s all they cover. This is much like minimum liability auto coverage. Make sure you have the right coverage in place for all circumstances. Fulfill Your DutiesTo make claims as an insured or additional insured (lienholder/mortgagee), you also have to be aware of your duties under the policy. These generally include three main provisions listed in the policy as duties of the insured. First, pay any premium due. If you don’t pay for your insurance policy, you’re likely not going to have any coverage.Second, notify the insurer of any change in risk or occupancy. If you’ve moved, this is considered a change in risk that the insurance company needs to know about, as premiums may need to change. The insurer may also decide to cancel the policy if your asset does not fit with the underwriting requirements (i.e., many insurers don’t like to extend coverage for vacant property, or many insurers will drastically change what is covered or not for vacant assets). For investors or servicers, when the property is first known vacant, you must notify the insurance company, or claims will not be paid.Third, submit a proof of loss within 60 days of the event. The proof of loss is a statement detailing what happened and summarizing your loss. This is usually notarized and includes a sworn statement surrounding the facts of the loss. This is done to prevent fraud and to clearly depict the loss in its entirety. Also listed in most policies are duties to protect and preserve your property in the event of a loss. What this means is that you are responsible for protecting your property to prevent further damage and to make any reasonable repairs to prevent further loss. This is all under the pretense of reasonable, which means that if you are able and willing to board up or tarp a damaged roof or can hire a contractor to handle emergency repairs, the insurance company will reimburse you for any reasonable costs associated with these temporary repairs. In layman’s terms, if you pay a contractor $1,000 to tarp a roof that would otherwise allow water to pour into the home, insurance will reimburse you because it may save them $10,000 or more in additional damages you helped prevent. Obtain Good Insurance, Better AdviceBefore storms hit, make sure you’ve got the right policy in place to fit your budget. It’s best to work with an insurance agent to ensure you get the right coverage for your situation. Make sure to endorse (add or remove coverage for) any high-value items and document the kind and quality. This may help with specialty items that are hard to replace or provide additional coverage above and beyond what your normal insurance policy covers. Don’t be afraid to ask for help. If you need help navigating policy language, duties, and responsibilities, find a good public adjuster or hazard claims recovery company. You may pay a small fee for their services but will often gain a huge knowledge base and ensure equitable settlements. The devil truly is in the details, and experienced public adjusters know what to look for and what carrier adjusters often miss when providing loss settlements. Claiming everything up front might eliminate costly delays associated with supplemental claims and guarantee maximum dollar for your claim. Obtaining sound advice and a quality homeowners policy are essential to protecting your insurable interests. Before and After the Storm Data Provider Black Knight to Acquire Top of Mind 2 days ago
Further drop in people receiving PUP in Donegal Letterkenny Chamber defends Pramerica’s JobBridge record WhatsApp Google+ Twitter Google+ Facebook Gardai continue to investigate Kilmacrennan fire By News Highland – November 2, 2012 365 additional cases of Covid-19 in Republic Facebook News The Letterkenny Chamber has defended Pramerica in its use of the JobBridge programme.Today, Socialist Party MEP Paul Murphy said a recent advertisement for interns by Pramerica in Letterkenny highlights what he claims is the failure of the government’s JobBridge programme.The company is seeking 10 interns, with Paul Murphy asking if JobBridge did not exist, would Pramerica have hired full time staff instead.But reacting, the head of the Letterkenny Chamber, Toni Forrester pointed out that Primarica is looking for staff with a specific skill set and has figures to back up the success of the JobBridge programme in that regard:[podcast]http://www.highlandradio.com/wp-content/uploads/2012/11/toni530BRIDGE.mp3[/podcast] Twitter Main Evening News, Sport and Obituaries Tuesday May 25th Pinterest Pinterest RELATED ARTICLESMORE FROM AUTHOR Previous articleFriday’s GAA Championship finals postponed until SaturdayNext articleMc Conalogue urges Quinn to “take control” of grants backlog News Highland 75 positive cases of Covid confirmed in North Man arrested on suspicion of drugs and criminal property offences in Derry WhatsApp