Box House / Studio H:T

first_imgBox House / Studio H:TSave this projectSaveBox House / Studio H:T “COPY” United States CopyHouses•Boulder, United States ArchDaily “COPY” Save this picture!© Ellen Jasksol+ 18 Share ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Houses ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Projects Architects: Studio H:T Photographs Photographs:  Ellen JasksolText description provided by the architects. The Box House designed by architects Studio H:T and located in Boulder, Colorado provides the homeowners with compelling views. Taking into consideration a steep slope and wildfire prone area the architects capitalized on these site challenges creating a home that is unique in form, space and materiality.Save this picture!© Ellen JasksolRecommended ProductsSkylightsLibartSolaGlide Inclined Retractable SkylightWoodTechnowoodPergola SystemsDoorsJansenDoors – Folding and SlidingDoorsVitrocsaGlass Technology in Hotel BeaulacArchitect: Studio H:T The Box House begins with a concrete ribbon that carves the hillside to create space for the boxes. The garage and main level push into the earth while the studio and master float above. A spatial slot organizes procession from the northern car-park to the southern courtyard. Courtyards form introverted space that perceptually enlarge the interior. Roof decks are extroverted, capitalizing on views. The dialog between grounded and floating permeates the design in materiality and attachment.Save this picture!© Ellen JasksolProject gallerySee allShow lessChallenge: Design a Passive House for New OrleansArticlesGalleria Centercity / UNStudioArticles Share Box House / Studio H:T CopyAbout this officeStudio H:TOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesBoulderHousesUnited StatesPublished on April 06, 2011Cite: “Box House / Studio H:T” 06 Apr 2011. ArchDaily. Accessed 12 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogFaucetshansgroheKitchen MixersGlass3MGlass Finish – FASARA™ GeometricPartitionsSkyfoldVertically Folding Operable Walls – Classic™ SeriesPlumbingSanifloMacerator – Saniaccess®3WoodBruagAcoustic Panels with LEDMetallicsSculptformClick-on Battens in Ivanhoe ApartmentsSkylightsVELUX CommercialLonglight 5-30° – Modular SkylightsTiles / Mosaic / GresiteLove TilesPorcelain Tiles – SplashAluminium CompositesMetawellAluminum Panels for Interior DesignMetal PanelsRHEINZINKPanel Systems – Horizontal PanelEducationalLamitechChalk boardCarpetsCarpet ConceptCarpet – Eco IquMore products »Read commentsSave想阅读文章的中文版本吗?Box House是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

Loan Denial Rates and Credit Scores

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Credit Access Credit Availability Credit Scoring Income Verification Loan Denial Rate loans mortgage Urban Institute 2018-08-22 Krista Franks Brock Krista Franks Brock is a professional writer and editor who has covered the mortgage banking and default servicing sectors since 2011. Previously, she served as managing editor of DS News and Southern Distinction, a regional lifestyle publication. Her work has appeared in a variety of print and online publications, including Consumers Digest, Dallas Style and Design, DS News and, MReport and She holds degrees in journalism and art from the University of Georgia. Recent data from the Home Mortgage Disclosure Act illustrates progress in the mortgage market. Loan denial rates are decreasing; loan originations are increasing, and the rate of mortgages made to minorities is rebounding, according to an analysis of the HDMA data conducted by the Urban Institute’s Housing and Housing Finance Policy Center.However, “Our recent analysis of HMDA data shows that while the housing market has rebounded from the crisis in many respects, minority and low-income households lag significantly behind in the recovery,” said Bhargavi Ganesh, a researcher at the Urban Institute. ALoan denial rates overall are declining, falling from 41 percent in 2013 to 32 percent in 2017, according to the Urban Institute’s analysis, which narrowed the view of denial rates to that among lower-credit profile borrowers. The Urban Institute argues that a broader view of denial rates ignores the fact that there are fewer lower-credit profile applicants in today’s marketplace. Denial rates are higher among minority applicants, and they are “significantly higher” among applications for loans under $70,000, according to the Urban Institute. Denial rates for loans under $70,000 are 52 percent, in contrast to a 29 percent denial rate for loans over $150,000, according to the institute’s analysis. At the same time that overall denial rates are down, mortgage credit availability experienced an uptick. In fact, the Urban Institute’s Housing Credit Availability Index has risen for three consecutive quarters and is now at its highest level since 2013. The institute has noted before and noted again that “significant space remains to safely expand the credit box. If the current default risk were doubled across all channels, risk would still be well within the pre-crisis standard of 12.5 percent from 2001 to 2003.” Most of the easing in credit has come from the GSEs and government channels, with a little help from nonbank lenders as well, according to the Urban Institute. While the overall news for the market is good, the recovery is uneven, Ganesh said. Black and Hispanic households now account for 19.2 percent of the purchase loan origination market, which matches the level recorded between 2001 and 2003, a “period of reasonable lending standards,” according to the Urban Institute. However, many large “high-growth” cities maintain a large gap between white, black, and Hispanic homeownership. For example, the Urban Institute recently reported that in Detroit, where the population is 84 percent black, the percentage of purchase originations was just 8 percent in 2016. This is down from 21 percent in 2006. While this is one of the more extreme examples, other cities are experiencing a similar trend. With low-income and minority borrowers not experiencing the same recovery as other buyers, the Urban Institute suggests policymakers look at ways to expand lower-dollar mortgage loans and review “alternative forms of credit scoring and income verification.”  Print This Post in Daily Dose, Featured, Loss Mitigation, News About Author: Krista Franks Brock Servicers Navigate the Post-Pandemic World 2 days ago Share Save Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago August 22, 2018 3,760 Views Loan Denial Rates and Credit Scores Subscribe Previous: The Industry Pulse: Updates on a360inc, Xome, and More Next: What’s Causing an Uptick in Foreclosure Starts? Tagged with: Credit Access Credit Availability Credit Scoring Income Verification Loan Denial Rate loans mortgage Urban Institute Sign up for DS News Daily Home / Daily Dose / Loan Denial Rates and Credit Scores Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

Donegal Deputy accusing govenrment of using education grants to win votes

first_img Pinterest RELATED ARTICLESMORE FROM AUTHOR Donegal Deputy accusing govenrment of using education grants to win votes Pinterest Google+ Facebook Twitter HSE warns of ‘widespread cancellations’ of appointments next week Dail hears questions over design, funding and operation of Mica redress scheme Twitter Man arrested in Derry on suspicion of drugs and criminal property offences released Dail to vote later on extending emergency Covid powers center_img Man arrested on suspicion of drugs and criminal property offences in Derry News By News Highland – September 24, 2014 Previous articleCouncil to assess extent of sewage problems in housing estates in GlentiesNext articleDoctor sacked from LGH for being unable to take pulse struck off medical register News Highland Facebook A Donegal Noth East Deputy is accusing the govenrment of using education grants to win votes.Deputy Charlie McConalogue, Fianna Fail’s education spokesperson says the Minor Works Grant is not included in the Department of Education’s grant calendar for the coming academic year.The grant, which provides funding for maintenance and upgrade works, had been suspended for two years, but was re-instated last year.However, Deputy Mc Conaliogue says it now seems that was just a cynical ploy ahead of this years local elections, and it seems the programmes is being axed again…………..Audio Player Up/Down Arrow keys to increase or decrease volume. Google+ WhatsApp PSNI and Gardai urged to investigate Adams’ claims he sheltered on-the-run suspect in Donegal WhatsApplast_img read more

Florida student arrested for using Instagram to try to have school staffer killed, says he was ‘joking around’: Authorities

first_imgWFTS(TAMPA, Fla.) — A Florida high school student is under arrest after authorities say he used social media to solicit someone to kill a school staffer.Nicholas Godfrey, 18, is accused of sending Instagram direct messages to a fellow student at Fivay High School in Pasco County, according to Tampa ABC affiliate WFTS.“I need a guy who could kill someone,” Godfrey wrote, according to police.He indicated that he would give the student $100,000 for the staff member’s head.“No joke, I need him eliminated as soon as possible,” Godfrey allegedly wrote.Police traced the messages to Godfrey by obtaining a search warrant for his Instagram account, which revealed an IP address associated with Godfrey’s residence.Godfrey admitted sending the messages and freely showed them to detectives on his phone, but said that he was wasn’t serious about the plan, police said.“After speaking with Mr. Godfrey, he did not have any clear direction or, I guess, plan to follow through with this … but more he was joking around,” Pasco County Detective David Dacey said Friday.Godfrey also didn’t appear to have the means to carry out the threat, authorities said. Nevertheless, police said what he did was a crime.“There’s going to be zero tolerance. You threatened a member of a school district who’s out there trying to do their job to educate children and be part of that process, we’re going to come hunt you down. We will track you down,” said Pasco County Sheriff Chris Nocco. “The very sad part of the situation is that when the investigators, when Detective Dacey got there, the parents were shocked because the parents had no idea, and that’s a sad reality of what’s going on.”Pasco County Schools Superintendent Kurt Browning also called on parents to be more aware of their kids’ behavior online.“I have pled with parents to know what your kids are doing on social media and who they’re talking to. It’s a community effort.” Browning said. “The issues at Fivay High School, I will tell you, oftentimes schools get blamed for what’s going on, but I will tell you we are a microcosm of the communities in which we serve.”Godfrey was arrested for attempting to solicit murder and booked in the county jail, according to authorities.“It doesn’t matter what the intent was,” Nocco said. “When you do it and post it on social media, the crime is committed.”Police did not identify the school staffer who was the target to Godfrey’s threat, but said that he had been provided additional protection as a precaution.The school also planned to bring in an additional resource officer next week, authorities said. Copyright © 2019, ABC Audio. All rights reserved.last_img read more

Demotivated by recruitment role

first_imgI am a regional recruitment manager and this is my first HR role. Havingtried to get into recruitment for a year, I jumped at the chance of thisposition last Sept-ember, thinking that a company of this size would give meall the training, support and development I require. Sadly, this has not beenthe case, and I am becoming increasingly disillusioned and de-motivated. I amreally keen to move on, but am reluctant as I have less than a year’sexperience, with no chance of a pay rise until October, and no mention of awell-overdue appraisal. Every time I book a meeting with my manager, he cancelsas something more important crops up. Help! Doug Knott, senior consultant, Chiumento Start off with challenging yourself. Are you being unrealistic in terms of yourexpectations from your employer? Could this perhaps be the reason why yourmanager keeps postponing your meeting? Is there any more you should be doing tosupport your own personal and professional development? Having considered the above points your first approach should be to try toresolve your current situation. Explain to your boss that your need for ameeting has become very important. Propose an agenda with your own ideas on theway forward. If this approach does not work, and your disillusionment andde-motivation continue to grow, then you need to start looking for analternative role. At interviews make sure you clarify the practices of yourprospective employer towards your training and development. This will reducethe chances of you experiencing current difficulties again. Peter Sell, joint managing director, DMS Consultancy It seems from your letter that you feel this has been a poor career move andI get a sense of a great deal of frustration. You are correct in making thepoint that with less than a year’s experience, prospective employers mayquestion your staying power. Only you can make the decision on whether to stayor go. If you decide to stay, then the issues need confronting. Yourorganisation seems to trust you to work on your own initiative so it seems tohave faith in your ability. If your performance was not up to expectations youwould have had your review by now. The fact both you and your boss are busy hasnot helped your situation. You need to tell your boss that his spending timewith you is important. Caroline Battson, HR consultant, Macmillan Davies Hodes As this is your first role in HR and you have only been with thisorganisation since last September, try to overcome some of the hurdles beforeyou decide to leave. The most important focus is to gain as much experience aspossible. The problems you have mentioned are the cause of many employees’frustrations, but there is no guarantee that if you were to leave you would notface the same problems again. You must explain these problems to your managerand you could make a list of the things that would help you in your role. It isimportant to make your manager aware of your concerns and ask his advice. Ifyou are having problems getting commitment from him for a formal appraisal, trysuggesting a coffee and a chat. Use this more informal opportunity to discussyour concerns and your suggestions to resolve these issues and then gain hiscommitment to develop your ideas in a more formal setting. Demotivated by recruitment roleOn 11 Jun 2002 in Personnel Today Comments are closed. Related posts:No related photos. Previous Article Next Articlelast_img read more

E-learning news in brief

first_img Previous Article Next Article Related posts:No related photos. Comments are closed. This month’s e-learning news in brief – SAP has introduced a mobile classroom to help companies save time andmoney on training. It contains preconfigured PCs, connected to its trainingsystems via the net.– Vega is designing and implementing an eight-module series of e-learningand e-assessment materials to help the Britannia Building Society combat moneylaundering in the financial services sector.– Italy will host the first international Research & Standards UnifiedLearning Technologies Summit (Results) on 12-16 May. The conference and plenarysessions, an exhibition and shootout demonstration events, take place on 12-13May with workshops running on 13, 14 and 15 May.– i-biouk is a new one-stop internet resource for anyone with an interest inthe biotech sector. It provides point of access to information from theGovernment, research councils and more than 200 other sources.– Electric Paper has launched a guide to help healthcare and furthereducation facilities develop a European/International Computer Driving Licence(E/ICDL) strategy. For a free copy, call 0800 626328 E-learning news in briefOn 1 May 2003 in Personnel Todaylast_img read more

Grayson Murphy Signs Pro Contract

first_img Written by FacebookTwitterLinkedInEmailFLAGSTAFF, Ariz.-Wednesday, news from track and field news service FloTrack broke that former University of Utah star 3,000-meter steeplechase runner Grayson Murphy has signed a pro contract and will be joined by two other stars from the West.Murphy, along with former New Mexico star distance runner Alice Wright and fellow 3,000-meter steeplechase competitor, Erin Clark, formerly of Colorado, have all signed with Flagstaff, Ariz.-based Hoka NAZ Elite.Other star athletes competing for this brand include former Cal Poly-SLO 3,000 meter steeplechase star Ben Bruce and former Loyola Marymount long-distance star Danielle Shanahan. Tags: Alice Wright/Ben Bruce/Danielle Shanahan/Erin Clark/FloTrack/Grayson Murphy/Hoka NAZ Elite July 11, 2018 /Sports News – Local Grayson Murphy Signs Pro Contract Brad Jameslast_img read more

Young Adam

first_imgYoung Adam Phoenix Friday 10-Thursday 16 October The discovery by Ewan McGregor’s Joe, of a young woman’s corpse in a Glaswegian canal sparks off a self-appraisal and insight into his seemingly directionless life. What’s there is darker than the coal he ferries around in Ella and Les’s barge. A story of failure, adultery, dirt and lies, all presented with lashings of sex. Based on Alexandre Trocchi’s cult novel, the film manages to convey all the nihilistic themes characteristic of 1950s beat writing. Departing from the moment the corpse is discovered, the narrative slowly takes us forwards and backwards to reveal how Joe’s attitude to life affects all those around him. The viewer is left wondering, until the very end, about this strange man’s motivations and the repercussions of his actions. All the actors shine against Mackenzie’s grey and desolate Scottish background, and in McGregor’s case this can only be a very welcome rescue from the talent-less vortex known as Star Wars. Every scene buzzes with intensity, from the metaphoric slow shots of the canal bed to the perverse homemade custard sex sequence. It’s all about real people flowing along familiarly absurd courses; surely these are the only young bright things worth watching.ARCHIVE: 0th Week MT2003last_img read more

Wealth redistribution, NBA-style

first_imgDid you hear the one about the hacks, the socialists and the huge tombola prize? Well here you go. Friday night saw the Bundespresseball, Germany’s annual media ball, which took place at the InterContinental in Berlin. It’s been a regular event since 1951, and the centrepiece is a tombola intended to help fund cash-strapped journalists. All a very benevolent undertaking, you’d think. Well, that is other than the top prize — a seven-day trip to New Orleans, including tickets to the NBA All-Star Game, plus an Apple iPhone with a two-year T-Mobile contract. The winner? None other than Dietmar Bartsch, the top man running the financial workings of Die Linke, Germany’s left-wing party. Observers were quick to point out that Bartsch, as a socialist, was (just slightly) contradicting his own principles by taking advantage of three capitalist-driven prizes. As the blog of Germany’s leading evening news programme, Tagesschau, reports, Bartsch had a snappy retort: “It’s the just distribution of wealth from the top to the bottom.” Apparently he whizzed off to the hotel bar to have a cigar as soon he’d said this, presumably to avoid further probing. I don’t blame him; his party has this to say about America: The aims of imperial policy under the leadership of the United States of America are a world totally subordinated to capital exploitation, unhindered access to raw materials and sources of energy, and the expansion of domination and spheres of influenceand holds this stance on the aftermath of the Cold War: When the greatest counterweight ceased to exist with the collapse of the Soviet Union, the destructive tendencies of the unbridled capitalist market were able to develop more and more.Hold off with the wealth distribution for the moment — will a man with these political affiliations even be let into the USA?Cherwell24 is not responsible for the content of external siteslast_img read more

Shark Tales lands lawyer in hot water

first_imgA lawyer who featured in a Cherwell video stands to face disciplinary procedures, the Independent has reported.The lawyer appears in the video saying: “I’m a City Lad and I fucking love the ladness… The ladness is basically just fucking people over for money.’ Later he remarks “I refuse my consent for this to go on the internet and I will sue you if you put it on”.The video was released on the 10th of May and the lawyer’s remarks initially went unreported. But the video found its way onto legal blogs on Friday and Clifford Chance has now responded saying: “The comments made are inappropriate and they are at odds with our principles and the professional standards we espouse as a firm. One of our trainee lawyers is the subject of our formal disciplinary procedures which may result in termination of the training contract with the firm”Clifford Chance is known as one of the City’s magic circle law firms and according to an article in The Lawyer published on the 4th of June on its website pays its trainees for the upcoming year £39,000 in the first year and £44,000 in the second year.Toby Mather, the presenter and director of Shark Tales, commented “What the news of this disciplinary procedure illustrates is the evolution of modern working life in an age of social media: changing one’s name on Facebook to help get a job is all good and well, but if you then fling drunken opinions at a camera lens once in the job, it does to some extent undermine all the hard work.”“Blaming the influence of alcohol to explain away such bigotry is pretty flimsy; I’m no Freudian, but that guy has a really big ‘id’.”In other news Mather, photographer for a naked calendar of Oxford University’s blues sportsmen, is believed at the moment to be taking legal advice over breach of copyright by major news organisations.The video is available on Cherwell’s YouTube channel. The appearence in question can be found at 4:15 and 6:43.last_img read more