first_imgHome / Daily Dose / The Impact of Credit Easing on Homebuyers Subscribe  Print This Post The Best Markets For Residential Property Investors 2 days ago Tagged with: AEI Agencies Credit Easing Credit Risk Fannie Mae FHA First-time Buyers Freddie Mac Homes Housing Market Housing Supply loans VA July 2, 2018 2,049 Views AEI Agencies Credit Easing Credit Risk Fannie Mae FHA First-time Buyers Freddie Mac Homes Housing Market Housing Supply loans VA 2018-07-02 Radhika Ojha Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The national home purchase market remained strong by the end of the first quarter of 2018 as recent credit easing efforts by the government agencies, especially Fannie Mae, supported the boom, according to the American Enterprise Institute’s (AEI’s) latest quarterly National Housing Market Indicators (NHMI) data released on Monday July 2.The NHMI measure the size of the residential home purchase market by combining data from several sources and covers sales since the fourth quarter of 2012.According to the NHMI data, 6.35 million home sales transactions were reported at the end of the first quarter, up 3.5 percent from the same period a year ago. However, AEI reported a slowing down in the growth rate, contributed largely by a lack of housing supply. “Although there continues to be very strong demand, the supply doesn’t seem to be expanding in sufficient amount to drive the annualized home sales more rapidly,” said Edward Pinto, Co-Director, Center of Housing Market and Finance at AEI, while presenting the findings of the NHMI.The current increase in sales marked the 14th consecutive quarter of such increases despite a 7.3 percent year-over-year jump in FHFA’s national house price index in Q12018, the NHMI data indicated.Looking at originations by the agencies, the NHMI data indicated that credit easing is likely to become capitalized in price in a market like this one, where the supply is constricted. “While FHA, Fannie, Freddie, and the VA have all been pro-cyclically supporting the boom through credit easing, Fannie’s recent credit easing efforts have been breathtaking,” AEI said.Credit easing also indicates a higher mortgage risk, with the study’s National Mortgage Risk Index (NMRI) increasing from already elevated levels a year ago. The index which has now risen at more than 2 percent year-over-year for FHA loans was slightly higher for first-time buyers than for repeat buyers. “For 2018 we expect continued easing for first-time buyers and FHA, helping fuel accelerating house price growth for entry-level homes,” Pinto said. “Entry-level homes will be less affordable and first-time buyers will be faced with a higher risk of default.”Looking at the share of mortgage for first-time buyers, AEI found that the agency first-time buyer mortgage share index at the end of Q1 was slightly below its series high during the same period last year. The index stood at 60 percent down from 60.2 percent a year ago, but up from 56.8 percent four years ago. “We can only expect modest increases or even a slight decrease moving ahead in 2018,” Pinto said.An interesting trend indicated on the NHMI was the increasing competition between Fannie and FHA for first-time buyers, which according to Pinto was a worrying trend. “Over the last nine months, Freddie has largely resisted this trend, but will likely eventually have to compete as well,” Pinto said. Demand Propels Home Prices Upward 2 days ago Related Articles Sign up for DS News Daily center_img Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. About Author: Radhika Ojha Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Impact of Credit Easing on Homebuyers Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Share 1Save The Week Ahead: Nearing the Forbearance Exit 2 days ago in Daily Dose, Featured, Market Studies, News Previous: Flip-Flop: Cities with the Biggest Changes in Rent Next: Is the Housing Market Over-leveraged?last_img read more

first_imgTop StoriesOP India, Indic Collective Moves SC Seeking Intervention In Sudarshan TV Matter, Raises Questions On SC’s Jurisdiction Akshita Saxena21 Sep 2020 1:41 AMShare This – xIn view of the larger questions of principle and law in relation to permissible free speech, online news portal OpIndia, think-tank Indic Collective Trust and not-for-profit company Upword Foundation have moved the Supreme Court seeking impleadment in the ongoing case against Sudarshan TV for telecasting a show titled ‘Bindass Bol’. The Petitioners, through Advocate Suvidutt MS,…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginIn view of the larger questions of principle and law in relation to permissible free speech, online news portal OpIndia, think-tank Indic Collective Trust and not-for-profit company Upword Foundation have moved the Supreme Court seeking impleadment in the ongoing case against Sudarshan TV for telecasting a show titled ‘Bindass Bol’. The Petitioners, through Advocate Suvidutt MS, have submitted that the present case arises from just one-off instance whereas there are approximately 100 instances of patently false reportage by mainstream media organizations in just one Report prepared by OpIndia. It is highlighted that in each of such 100 instances, Indic faiths and Indic communities have been the subject of “blanket stereotyping, generalization and demonization”. The Petitioners have therefore asked the Court if it would be fair and reasonable to lay down the law on “hate speech” based on only a particular instance, without considering the contemporary landscape on exercise of free speech. If so, the Petitioners have submitted, “Applying the standards which appear to emanate from the ad interim Order passed in the Writ Petition restraining the telecast of the impugned content, it is clear that each of the 100 instances enumerated in the Report ought to have been or must be actioned against on similar lines at the very least. Conversely, it would be fair to presume that the impugned content is merely consistent with the standards set by mass media over the decades on religious reporting.” The Petitioners have further pointed out that in seeking to regulate content, regard must be had to the nature of the medium and the specific legislation that applies to such content. “Any exercise of jurisdiction even by Constitutional Courts pursuant to their plenary powers under Articles 226 and 32 must necessarily conform to the black letter of such legislations, and cannot be in derogation of them. Importantly, the jurisdiction of Constitutional Courts is limited to examining the validity of State action within the four corners of such legislations, but cannot extend to prescribing fetters on such content,” they submitted. Reliance is placed on Jafar Imam Naqvi v. Election Commission of India, AIR 2014 SC 2537, whereby the Top Court had held that directions can be issued the Court only when there has been a “total vacuum in law”, i.e. complete absence of active law to provide for the effective enforcement of a basic human right. In the present case however, it is pointed out, legislations such as the Cable Television Networks (Regulation) Act, 1995 and the Information Technology Act, 2000 already ccupy the field, with necessary Rules in place. Lastly it is pointed out that the Court may step in in exercise of its constitutional obligations to enforce the law only in case there is inaction on the part of the Executive, for whatsoever reason. In the instant case it is pointed out that no authority has initiated any legal proceeding against the channel as the show fits the contemporary standard of religious reporting. Further it is submitted, “In order for the Court to conclude that the Executive is guilty of inaction, it must account for lapsation of a reasonable period of time before the inference of inaction on the part of the State can be drawn. If this safeguard is not observed, it would result in clear and serious transgression of the doctrine of separation of powers.” Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Storylast_img read more

first_imgBeasiswa Sobat Bumi Pertamina (Pertamina Friends of the Earth Grant) has announced 285 recipients of the 2020 grants. They are students from 25 universities nationwide. “After conducting a selection process involving experts, practitioners and academics as judges, we’ve named 285 students who were qualified to receive the grants,” Pertamina Foundation president director Agus Mashud S. Asngari said in a statement on Sunday.The grants are aimed at bright students who are excellent in academics, have a vision and are concerned about environmental issues. “For the 2020 grants, 50 percent of the recipients are those who really need financial assistance and are affected by COVID-19. It was a challenge for us to select the 285 students out of 6,848 applicants due to their respective potential,” said Agus. Read also: COVID-19: Pertamina Foundation provides housing for medical workers at referral hospitalStudent Arsalan Umar of Pertamina University said he was excited to be named a grant recipient in the Sobat Bumi program.“It is time for me to conquer challenges, to grow even more and to inspire as well as motivate other young people. Thank you Pertamina and the Pertamina Foundation for the grant. I hope more students receive such support,” Arsalan said on Monday.This year, Sobat Bumi offered three types of financial support for students on regular bachelor’s degree programs, in affirmation programs and vocational programs. The aid falls under the PF Prestasi program, which belongs to the Pertamina Foundation, launched in 2011. The 2020 scholarship received online applications between April 18 and May 5.Topics :last_img read more

first_imgStanford scientists are blaming evolution for our difficulty at golf, according to The Stanford Daily.  Working with rhesus monkeys, the researchers found that primate brains are too adaptable to changing conditions to become good at a repetitive tasks.  “One possible explanation for the observation is that evolution favored predators who could improvise, as they never face an identical situation twice when hunting prey,” explained reporter Daniel Novinson.  But with the D word designed used twice by Mark Churchland, what is the message?“The nervous system was not designed to do the same thing over and over,” said Churchland, a co-author of the study, to the Washington Post.  “The nervous system was designed to be flexible.  You typically find yourself doing things you’ve never done before.”Apparently no one asked the traditional follow-up question, “Who designed the designer?”Some weeks we may need a category for Stupid Evolution Quote of the Day.  Did it never cross their designed minds that a flexible nervous system is a good example of purposeful design?  Why give Charlie Chance the credit?  Meanwhile, if you hit the sand trap, blame yourself, not evolution.  Golf would not have evolved.  It has negative survival value.(Visited 11 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

first_imgQANTAS’ will continue to concentrate on Asia and North America while it waits for new ultra long-range “hub-buster” aircraft to give it the ability to offer unique non-stop services between Australia and markets in Europe.That is the message from the airline’s group chief executive Alan Joyce who is looking to new technology aircraft such as the Boeing 787s it has on order plus either Boeing new 777X or the Airbus A350 to deliver the airline unprecedented non-stop capability.Those non-stops will likely be London to Perth with the 787 followed later by routes such as Paris to Sydney and Rome to Melbourne. The airline looked some years ago at using Jetstar to service destinations in Southern Europe Mr Joyce says the low-cost offshoot won’t be joining Scoot and AirAsia X on the “kangaroo route” to Europe any time soon.“I think Jetstar’s got so many growth opportunities in Asia,’’ Joyce says, pointing to recent announcements that the brand’s Japanese joint venture will grow from 20 to 28 aircraft and Veitnam’s Jetstar Pacific would be adding 10.  “I think we have enough growth in this region and … we have a solution to Europe, which is the Emirates partnership.’’The Emirates partnership gives Qantas 40 destinations in Europe without the need to invest the capital to operate its own services and, says Joyce, gives the Australian carrier a reach it could never have achieved on its own.But that doesn’t mean the flying kangaroo, famed for its ability to convince aircraft manufacturers to help it conquer long distances, doesn’t see opportunities further down the track.Joyce says technology is the airline’s friend and he’s keen to see what opportunities Qantas International’s new fleet of Boeing 787-9s can open up.  The airline is preparing for the arrival of the first of eight B787s at the end of the next year and plans to start selling Dreamliner flights on its existing network before Christmas.The planes will replace five older Boeing 747s and will be fitted with luxury business class seats, roomier economy seats and what the carrier describes as “a revolutionary premium economy that is streets ahead of anything out there’’.Possible new routes include a non-stop service between Perth and London made possible by the 787-9’s 7,635 nm (14,140 km) nominal range.London remains a destination for Qantas because of the size of the market and the traditionally strong links between Australia and the UK.  But with 32 competitors on routes to Europe, Joyce argues the airline currently cannot make other ports on the continent pay, particularly with the one-stop flights that would be required from Australia’s East Coast. “The dilemma you always have with the Qantas Group is that it is out of an Australian cost base, it is a long distance from your home and the costs are a lot higher as a consequence of that,’’ says Joyce“So I think our future is the direct flights.’’The long-term potential is for non-stop premium services to European ports other airlines would struggle to match, including Sydney-London, using planes such as ultra-long range Boeing 777-8X due to enter service at the end of the decade. The 777-8X, which builds on the technological advances made by the 787 program with enhancements such as carbon fibre high-span wings, will be able to carry 350 to 375 passengers up to 8,700 nm (16,110 km) in a wider cabin. “We’re never going to fly to the 40 destinations Emirates has but you could be flying to a few of those top destinations,’’ Joyce says, noting that the combination of direct and indirect services “gives you a very feasible and economic operation in Europe that works very well”.For now, however, China and the US are the main game.“We talk about Europe a lot but people forget how big the US is for Qantas,’’ Joyce says, adding that the airline’s Airbus A380 services to partner American Airlines’ hub in Dallas, Texas, are “booming’’. “We’d love to be able to fly more destinations into the states.’’The 787-9s open up Melbourne-Dallas and Brisbane-Dallas as potential destinations with daily services to cities such as Vancouver also a possibility.“And then eventually with the aircraft in the next decade, you’ll have New York direct and that means Chicago direct,’’ Joyce says. “That means a lot of destinations in the US that have the viability to have direct services start coming on to the radar screen.’’The alliance with American Airlines remains the biggest for Qantas, despite the higher profile of its marriage with Emirates, but that may be set to change.Australia’s competition regulator recently gave an alliance with China Eastern a green light and Joyce believes that rapid tourism growth out of China will ultimately make this the flying kangaroo’s biggest partnership. The airline is also set to benefit from Chinese tourism growth through partnerships with China Southern and Hong Kong’s Cathay Pacific.“The stats just blow you away,” Joyce says. “I think we have 1.2 million visitors from China and we get 1 per cent of the worldwide visitor rate of over 100 million that go overseas.“Some estimates have that growing to over 500 million in the next decades. Even if we stay at just 1 per cent, the total of the Chinese visitors (coming) here nearly gets to the 7 million total visitors that we have now.“And when they come to Australia, they typically take an average two domestic sectors when they’re travelling, so the benefits to the domestic network, not only the international one, are quite huge.’’ “So the potential to tap into a hugely different market that benefits the whole tourism economy is massive in the Chinese market and that’s quite exciting.’’While Joyce can see growth in all parts of the business from China, including a Qantas service to Shanghai that now operates from China Eastern’s terminal, he is particularly excited about the price-sensitive end of the market.He sees a big potential in charter services such as the one recently operated by Jetstar between Australia’s Gold Coast and the Chinese city of Wuhan with the Dalian Wanda Group. The year-long Gold Coast deal to sell combined flight and holiday packages ends on October 1 and the parties are working on new services to Australia to begin in time for the Chinese New Year.Working in conjunction with travel groups such as Wanda means Qantas or its Jetstar affiliates do not have to incur the expense of setting up a distribution network in China.“They sell the seats and they actually package it,’’ he says. “So Jetstar Vietnam, Jetstar Singapore and Jetstar Japan all will be participating in that growth as well and they’re all doing various forms of charter activity.’’Another plus out of China for Qantas is, surprisingly, freight. The group has unique freight traffic rights which allow it to fly a triangular Australia-China-US-Australia route using wet leased freighters (aircraft leased with crew) from Atlas Air.  The route has given Qantas Freight about 5 per cent of the China-Us freight market and Joyce says it has been participating well in growth over time.Australia-China has always been its weakest leg but Joyce says a free trade agreement between the two countries is starting to see this improve with a range of new products.Of course, Qantas isn’t the only airline with Chinese aspirations.Virgin Australia’s John Borghetti also sees a big growth potential from the world’s most populous nation and now has two major Chinese groups, Nanshan and Hainan, as major shareholders.Joyce is unfazed by Virgin’s new shareholders and says he’s happy with Qantas’s position and its partnership with two carriers enjoying strong growth and support.“I think it’s such a huge market that there’s plenty for everybody on it,’’ he says “ And you know I’d say with the China market I’d rather have the big players as well. I think China Southern for example just reached 700 aircraft, which makes it the fourth largest airline in the world.’’Another point Joyce makes is that Qantas is a different organisation from the one it was a few years ago.The airline made a net profit of more than $1 billion in the year ended June 30, 2016, with a 60 per cent rise in underlying pre-tax profit, the best result in the airline’s 95-year history.It declared its first shareholder dividend since 2009 and saw record earnings from all business units – except freight.The result was partly driven by a $664 million benefit from lower global fuel prices but also by a transformation program that has unlocked $1.66 billion in permanent cost and revenue benefits since 2014 and expects to see that rise to $2.1 billion by next June.One result of the changes, according to Joyce, is that airline group well-placed to cope with the often quickly changing aviation environment.“What’s great, I think, about where you see Qantas today compared to where it was when it had its previous record earnings back in 2007 is they are coming from a bigger variety of things,’’ he says.“We have a lot bigger frequent flyer program than we had back then, which is making over $300 million. Jetstar made over $400 million, a record profit for Jetstar, but what’s great in the results is that Qantas International and Qantas Domestic also had a record profit.Joyce is particularly pleased with a billion-dollar turnaround in the international business that prompted the airline to invest in the long-awaited B787s.“Every business has earned the right to grow and we are now in an enviable position of figuring out what’s the growth opportunities for the businesses going forward — where do we invest the capital, how do we grow to take advantage of the really solid position each of the businesses are in?’’ he says“And that’s very different from where we were in the past, where usually it’s one component of the business that contributes all the profits and some of the others were underperforming.’’However, he also acknowledges that low fuel prices have been accompanied by international fares at historic lows in some markets and a global economy that is at best mixed.He observes that the Australian economy is also going through a transition which saw Qantas drop more than $250m in resource sector revenue, although it managed to redeploy aircraft to the East Coast to take advantage of the property boom and leisure routes have been going well..“So you’ve definitely got a mixed environment and what I think we’ve changed in our culture here is the ability to be agile and to move things around to take advantage of that,’’ he says.With the 787s and Airbus A320 neos on the way for Jetstar, the group has a sizeable commitment to new planes but Joyce says it will continue to take a cautious view on capital management.Investments such as new lounges, new seats on existing aircraft and, increasingly, information technology all clamour for a slice of what will be a $4.5 billion capital expenditure pie over the next three years.“It’s a lot of money but there are lot demands for growth, there are a lot of demands for new businesses, there are a lot of demands for new seats,’’ he says. “And we have a prioritisation within the organisation for that capital demand and that it’s allocated to the right things.“I think Qantas is a lot better at doing that than it did before so everything gets done. The pace at which it gets done has to fit into our capital program and the ability, like any business would have, of the business to be able to pay for it.’’The airline has 15 options and 30 purchase orders for the Dreamliner and Joyce says he wants to see how they perform before ordering more.  Even if that happens, further orders are likely to be incremental and Joyce says it could be as little as one at a time under the agreement the airline has with Boeing.Qantas has yet to determine whether it will order the new Boeing 777-8X as a replacement for its 12 still relatively young A380 superjumbos.  When the time comes, it will run a competition between the new Boeing widebody and Airbus’s A350-1000.“We always run a competition on every aircraft type and there are no certainties on these things,’’ says Joyce. “But what I think is always the case in the airline industry is that you’re always continuously monitoring what’s your potential replacement. So the minute you get a new aircraft you’re thinking about what’s going to be in the future the aircraft that has to replace it.’’Qantas will not exercise options to take an eight additional A380s but Joyce says the existing fleet has worked well for Qantas on Los Angeles,  Dallas, London and, on occasion,  Hong Kong.Asked how the 380s stack up against the new planes, Joyce says they work well on high volume, long distance routes to hub cities.Qantas has five services that depart Los Angeles within a small window and Joyce says flying smaller aircraft would not be as cost-effective and would mean too many frequencies.“So you’ve got the A380 which is a very, big efficient vehicle – and it depends on oil prices as well.,’’ he says. “Today the 380s look a lot better than they did with oil prices over $US100 .’’ He adds that oil prices also determine the roll-over or replacement case for aircraft but declines to predict what will happen in that arena, describing picking fuel trends as a “fool’s game’’.“We always hedge and we are hedging and we’ve communicated our hedging for financial year 17 and we’re hedging into 18,’’ he says. “And the idea is to give you time to cope with whatever the fuel price is and not try to put a bet on where fuel’s going to be.’’last_img read more

first_img11 June 2012The Springboks gave Heynecke Meyer a winning start in his first match as national coach, beating England 22-17 at Kings Park in Durban on Saturday evening.It was a tight contest and the teams were level at half-time, but the Boks lifted their game in the second half to pull away from the tourists, who scored a late consolation try to pull within seven points of the home side.After the game, Meyer admitted that he had delivered a half-time blast to his charges, which clearly had the desired effect, as South Africa dominated the third quarter of the contest to pull clear.“At some stages I really thought we played great rugby,” he said after the test. “We moved the ball around and I was happy with the result, but we butchered one or two tries and you need to finish those in test match rugby.‘Very high standards’“I think that this team has been so great from the start, they have got very high standards, so, although there were some hard words, they knew that they had to step up in the second half.”Assessing England’s performance, Meyer said: “I thought that England were brillant in the way that they put pressure on the nine [scrumhalf], and they pressed very hard in midfield, so we made a few changes to our tactical kicking in the second half, which worked.“I thought the first 20 minutes they pressed very hard and we should have played more tactically, but the plan was always to open up the game in the second half.“I thought England’s tactical kicking was much better than ours in the first half, they put the ball in behind us and moved us around, so we couldn’t get any quick ball or momentum, but once we changed things in the second half, it went much better.”ScrumsThe Springboks’ tight scrums, especially, were impressive as the front row of Beast Mtawarira, Bismarck du Plessis and Jannie du Plessis ruled the roost. Later, replacements Coenie Oosthuizen and Adriaan Strauss ensured the Springboks remained in the ascendancy.All three South African debutants – Marcell Coetzee, Eben Etzebeth and Juandre Kruger – delivered in their first matches in the green and gold.Importantly, the more established players showed strong leadership and contributed significantly to the South African victory, with men such as captain Jean de Villiers, Bryan Habana and Francois Steyn standing out.England competed intensely at the breakdowns in the first half and did a good job of making matters difficult for the Springboks, but once the Boks started protecting their own ball better and challenging the English ball more effectively, they were able to play more of the game on the front foot.Flyhalf Morne Steyn, very unusually for him, had an off day with the boot in windy conditions. Had he kicked to his usual high standards, the game would not have been as close as the final scoreline suggests it was.The matchEarly on, Habana launched a good counter-attack after fielding a kick. The ball was moved wide to Pietersen, but the big wing was forced into touch.A couple of minutes later, England were awarded a penalty after the Boks were blown up for playing the ball on the ground at a ruck. Owen Farrell took a shot at goal and was successful, putting the tourists into a 3-0 lead.In the 12th minute, flank Willem Alberts made a strong break from a ruck after Habana had put good pressure on fullback Mike Brown from a high-up-and-under launched by flyhalf Steyn. When Alberts went to ground, the English slowed the South African ball and referee Steve Walsh awarded a penalty against them.LevelMorne Steyn was on target with his kick at goal and the sides were level at 3-3.England hit the front once more in the 27th minute after winning a penalty at a breakdown and Farrell again hit the target.South Africa stormed back onto the attack and within three minutes were on level terms once more thanks to a Morne Steyn penalty.Just before the break, Steyn had an opportunity to put South Africa in front, but a shot of goal drifted well wide of the right hand upright.Springbok tryThe Springboks upped their intensity in the second half and it paid off after eight minutes when Morne Steyn went over for a try. It began when captain De Villiers made good ground up the left flank. The ball was then brought back to the right where Alberts broke through a tackle before finding Jannie Du Plessis on the charge.The big prop barrelled towards the tryline, but was stopped just five metres short of the whitewash. Etzebeth did well to make some ground from slow ball and then Patrick Lambie, on for Zane Kirchner, was stopped mere centimetres short of the line.Francois Hougaard was then stopped and Beast Mtawarira came within sniffing distance of the line. The ball was moved right again and Morne Steyn, with JP Pietersen outside of him, sold a dummy before going over for the five-pointer. His conversion attempt passed to the left of the posts and South Africa led 11-6.The men in green and gold had a chance to extend their lead when they won a penalty 10 metres out and right in front of the posts, but scrumhalf Hougaard inexplicably took a quick penalty instead of the almost certain three points, which left coach Meyer gesturing unhappily towards the field.Second tryOn the hour mark, Francois Steyn fielded a high-up-and-under from England scrumhalf Ben Youngs midway between the English 22-metre line and the 10-metre line. He neatly off-loaded to Habana, who hit the ball at speed.When he was tackled midway inside the English 22, Ruan Pienaar, on for Hougaard, moved the ball swiftly to the right. De Villiers received it in space, pinned his ears back, cut in slightly and bashed his way over the line for the Springboks’ second try.South Africa led 16-6 after Steyn missed the conversion, but England were soon within seven points when Farrell slotted a third penalty to make it 16-9.Two penalties by Steyn followed in the next 10 minutes, leaving South Africa 22-12 ahead with only two minutes to play.England tryWith time up, England finally crossed the Springboks’ tryline. They made ground into the South African 22 and forced a ruck before passing the ball out wide to Ben Foden, who crashed over in the corner despite a desperate tackle attempt by Francois Steyn.Farrell’s attempt to go five from five in the difficult kicking conditions was wide and the final whistle sounded with South Africa 22-17 winners.It was hard-hitting contest and unfortunately for England’s South African-born centre Brad Barritt, formerly of the Sharks, he was one of two big casualties for England on the day.SurgeryBarritt suffered a lacerated eyeball, which required surgery. He is, however, expected to be fit for the third test. Fullback Mike Brown injured a thumb and will miss the rest of the series.Zane Kirchner’s fitness is questionable after he injured a knee.The Springboks and England next meet on Saturday at Coca-Cola Park in Johannesburg. Before that, the tourists play a midweek match against the SA Barbarians South in Kimberley on Wednesday.Would you like to use this article in your publication or on your website? See: Using SAinfo materiallast_img read more

first_imgCodeMakers teaches learners at schools in Umlazi, eThekwini to understand computer programme coding and in the process tell their stories through creating their own animations, games and interactive stories.The isiZulu option on the Scratch website helps Umlazi learners learn more about coding. Non-profit organisation CodeMakers set it up to help youngsters understand the coding programme better. (Image: CodeMakers)Brand South Africa reporterMore than 700 learners in Umlazi, in eThekwini, KwaZulu-Natal, have learned computer programme coding and have produced animations that tell their stories in their own words and their own language. The skills training was undertaking by the non-profit organisation CodeMakers.The organisation began in 2015 with a pilot of linked courses — coding, cardboard engineering and robotics.Stories told through programmingSpeaking to talk radio 702, CodeMakers founder and executive director Justin Yarrow said the group gave children an opportunity to take apart a piece of technology and build their own. “What we are doing is helping kids in many different ways other than just understanding how coding works.”Scratch, a free visual programming language, is used. Learners are able to create animations, games and interactive stories.“Doing Scratch computer coding is very creative and for kids with curiosity, it gets them to approach problems from a point of logic,” Yarrow told Business Day Live.“It also gets kids to express themselves and letting their stories be told is incredibly important.”This gave children recognition, he said. Through the project, they had found that many children “don’t feel like they can be creators of technology”. CodeMakers wanted to change this.Its goals included helping its learners recognise the power of computers, especially since many South African children left school without ever using a computer, Yarrow said.Currently CodeMakers work with grade 6 to 10 learners of Umkhumbane Secondary School and Bhekaphambili Primary School. “We have worked with or run workshops at the KwaZulu-Natal Society of Arts (KZNSA), eThekwini Municipality Area Based Management Unit, Chesterville Extension Library, Meadowlands Secondary and Wiggins Secondary,” said Yarrow.“In the workshop we did with learners at KZNSA they made stories about what they thought the year 2050 would look like, with talking animals, robots, flying cars, and the extinction of rhinos.”CodeMakers has three inter-linked programmes that teach, inspire and empower learners to understand and pursue studies and careers in science and technology. The programmes are:Skills through hands-on coding classesInspire through video interviews of early career professionalsEmpower through offline internet education resourcesCareers in science and technologyMedical microbiology student Bonisile Luthuli is one of the people profiled by CodeMakers through video interviews. One of her tasks is testing various drugs on tuberculosis (TB) bacteria in the search for those that will kill the bacteria.She was interested in how science kept evolving, Luthuli said. The deaths of relatives from TB had driven her to a career in science, Luthuli said, and she hoped to make a difference by finding a cure for the illness.She works at KwaZulu-Natal Research Institute for TB and HIV. “I went to a school that didn’t have a library or computers. I had never touched a computer in my life before I came to university and I had never seen a microscope.”She encourages learners to pursue careers in science and technology. “Go for it, work hard, and focus on your studies,” Luthuli said. “You don’t have to be super smart. You just have to work hard.”Watch Bonisile Luthuli explains what her work entails:Watch a biomedical scientist profiled by CodeMakers:Sources: CodeMakers, Business Day Live, Radio 702 and CodeMakers, YouTube.Would you like to use this article in your publication or on your website? See Using Brand South Africa materiallast_img read more

first_imgAllison Bailes of Decatur, Georgia, is a RESNET-accredited energy consultant, trainer, and the author of the Energy Vanguard blog. Whether you want to build a new home or fix an old one, the way to ensure that you get the best performance is to do the building envelope right. That means installing the right amount of insulation and installing it well, and it means having an air barrier with minimal leakage. But how do you know when you’ve done enough air sealing? How tight is tight enough?I get asked this question every once in a while, and I love to talk about the measures for air leakage anyway, so let’s dive in. First, of course, you have to be able to measure how much air leakage the house has. That’s what a blower door is for.About air leakage unitsFirst, you have to choose how you want to specify the air leakage. The most common unit used by blower door operators is ACH50, which stands for Air Changes per Hour at 50 Pascals. I prefer cfm50 per square foot of building envelope, or better, cfm50 per hundred square feet of building envelope (sfbe). (One cfm50 is a cubic foot per minute with a pressure difference of 50 Pascals between inside and outside.) RELATED ARTICLES Blower Door Basics Blower Door Testers Wanted — Scientists and Engineers PreferredQuestions and Answers About Air BarriersOne Air Barrier or Two?Getting the Biggest Bang for Your Air-Sealing BuckPinpointing Leaks With a Fog MachineDuct Leakage Testing The two reasons for that choice are that (i) air leakage happens at the surface, not in the volume, and (ii) it’s the best unit, in my opinion, to express what a Blower Door is really good at — measuring the amount of air moving across the building envelope at elevated pressure.Please don’t talk to me about ACHnat (‘Natural’ Air Changes per Hour). I loathe that measure! If you’re using a blower door, you can’t measure it; the only ones who can are researchers using tracer gas analysis.Now we’re ready to discuss the actual question: How much air leakage should you aim for? OK, we’re not really there yet. I lied. First, we have to know about your house. Are you building new or fixing an existing home? If the latter, what’s your budget and how complex is the building envelope?New homesLet’s start with the easier one: new construction. The first rule here is that a house can never be too tight. The Passive House program takes houses about as far as you can go with air tightness, and their threshold is 0.6 ACH50. I tested a net-zero house a couple of weeks ago that had less than 200 cfm50 of air leakage, or about 0.5 ACH50. That’s really tight!A target that’s more achievable for anyone — and which the 2012 International Energy Conservation Code (IECC) will require for most climate zones (CZ 3 and higher) — is 3 ACH50. That’s also the level that Joe Lstiburek identified as a good target in his great article on blower door testing new homes, Just Right and Airtight.That number — 3 ACH50 — translates to about 0.25 cfm50 per square foot of envelope, or 25 cfm50 per hundred square feet of envelope. Since roofers have already abbreviated 100 square feet as 1 square, I like the latter form the best. It gets it into a whole number form and is easy to remember. Get your blower door number down to 25 cfm50 per square (or below), and you’ve got a tight house. The house I built ten years ago came in at 14 cfm50 per square (1.7 ACH50).But wait. I can hear you wondering, “Is he saying that this one number, 25 cfm50 per square, is good for every climate zone?” My friend David Butler says that we should consider cost effectiveness and not just apply a “one-size-fits-all” threshold. “We should always ask ourselves which combination of efficiency measures will provide the lowest energy usage within a given budget,” he wrote recently. “The cost-benefit of achieving 3.0 ACH50 would look very different in Buffalo than in Tucson, on multiple levels.”He does have a point, He went on to explain that “in hot climates, I’d rather fight to bring ducts inside (always challenge in non-basement homes) than to arbitrarily specify a 3-ACH50, especially in dry climates where latent loads are negligible.”Lstiburek, a Canadian who lives in New England, thinks the roughly equivalent 3 ACH50 is good because it’s achievable, and it solves a lot of comfort and efficiency problems associated with air leakage. I understand David’s point, but here in Georgia, home builders now have to pass a blower-door test and get their houses 7 ACH50 or below. What we’re finding is that a significant number of builders are getting down to 3 ACH50 in their attempt to meet the code target. Once builders get their crews trained, 3 ACH50 should cost them about the same as 5 or 7 ACH50. Now, if we can just get them to change the target to 25 cfm50 per square!Existing homesThis can of worms is really too big for the little article I’m writing here, but let me try to shed at least a little light on it. The amount of air sealing you’re going to be able to do in an existing home is limited — unless your budget isn’t. Generally, with a good attack on the holes, you can get about a 20% to 30% reduction in your Blower Door number (whether you specify it in cfm50, ACH50, or cfm50/sfbe). Sometimes you can get much more when you add surface area or volume by moving the building envelope.The first thing you want to know here, though, is: How leaky is your home to start with? If you’re already at 25 cfm50 per square, it’s going to be really hard to get a 20% reduction. If you’re at 100 cfm50 per square, it should be a snap to reduce it to 75 cfm50 per square or even lower. The higher that starting number is, the more big holes you probably have in your building envelope.If you’re starting at 100 cfm50 per square, however, don’t count on getting down to 25 cfm50 per square unless you’re doing a deep-energy retrofit. Sometimes deep-energy retrofits are called deep pockets retrofits, for obvious reasons. They cost a fortune! Check out Martin Holladay’s recent post called The High Cost of Deep Energy Retrofits here at GBA.I’ve done a number of air-sealing jobs when I was in the contracting business, and the results varied. Sometimes it was a frustrating 5-10% reduction, and other times it was an easy 20%. The most reduction I ever achieved was about 40% in a house that started with about 120 cfm50 per square. We encapsulated the crawl space and did a lot of work on the kneewalls and can lights on the upper floor.SummaryIf you’re looking to make your home tight and you really want some numbers to go after, here are my recommendations:New Homes:  25 cfm50 per hundred square feet of building envelope (or 3 ACH50)Existing Homes:  Get a blower door test, and try to reduce the number by 20% or more.last_img read more

first_imgRelated Posts Guide to Performing Bulk Email Verification The social curation and real-time conversion platform Livefyre has acquired Storify, a drag-and-drop storytelling tool used by journalists, marketers and brands. Livefyre will integrate Storify into its StreamHub platform, which lets users integrate real-time social content into their websites, mobile applications, ads and television broadcasts, creating a massive social curation platform. The acquisition will merge Storify’s multiple paid tiers into a single enterprise offering and add new features including centralized story and editor management; single sign-on and engagement analytics. The terms of the acquisition were not disclosed.  Facebook is Becoming Less Personal and More Pro… The Dos and Don’ts of Brand Awareness Videoscenter_img readwrite Tags:#acquisition#Livefyre#now#Storify A Comprehensive Guide to a Content Auditlast_img read more