The performance of three automatic depression tracking schemes developed by Terry & Atlas (1996), Murray & Simmonds (1991a) and Konig et al. (1993) when applied over one month are assessed. The schemes respectively identify depressions by (a) locating the innermost closed contour in a PMSL field, (b) finding maxima in the curvature in a bi-cubic spline fitted to the PMSL data and (c) performing a grid point search to identify a minimum in a PMSL field. The largest number of depressions was found by the Murray and Simmonds scheme, with the Atlas and Terry scheme finding the least. The Murray and Simmonds scheme also found the largest number of tracks, with the other two having comparable numbers of tracks. Two possible explanations for the differences in the number of tracks are considered. Firstly, the case where one or more centres identified by one scheme as corresponding to a single track are not found by the other schemes. Secondly, the case where a single track found by one scheme is split into two or more tracks by the other schemes. All three techniques had a similar latitude of cyclogenesis, although the Atlas and Terry and Konig et al. schemes found more lows at high latitudes as a result of using data on a latitude/longitude grid. The longest mean track length was found with the Konig et al. scheme. A comparison of the PMSL fields with satellite imagery shows that the major NWP centres have trouble producing reliable analyses around the Antarctic because of the lack of data.
Home » News » Housing Market » More starter homes needed previous nextHousing MarketMore starter homes neededDavid Cameron’s pledge to turn “Generation Rent into Generation Buy” has been welcomed, but will his ‘starter homes’ plan work?The Negotiator14th October 20150532 Views The Government wants to give thousands of young people the opportunity to own property, David Cameron announced during the closing speech of the Conservative Party conference last week.Not for the first time, the Prime Minister talked about plans for new starter homes – to be built as part of a new residential development, allowing housebuilders to fulfil their obligation to develop affordable homes.Cameron hopes that the starter homes, which would be sold for 20 per cent below the market rate, will lead to a significant increase in housebuilding levels, as part of the Government’s plans to tackle the mounting housing shortage.The starter homes discount will apply to properties worth up to £450,000 in London and £250,000 outside the capital, and the Tories believe this scheme will provide 200,000 new homes by 2020.The Home Builders Federation (HBF) has welcomed the Government’s plans to deliver on its pledge to improve homeownership opportunities for young people.Stewart Baseley (left) of HBF said, “Greater flexibility in the way affordable housing is provided should not only speed up the process of securing an implementable planning permission but also make more sites viable for new housing. This will in turn increase availability of homes of all types and help address the chronic shortage that has been allowed to develop.“Housebuilders are committed to delivering high quality, low-cost homes for a new generation of first-time buyers, if the policy environment allows them to.”The Prime Minister’s pledge to build more starter homes for first-time buyers represents positive news for those trying to take their first step on the property ladder, according to Lawrence Hall (right) of Zoopla.He commented, “Truly turning generation rent into generation buy will be a long and difficult journey, but this announcement represents an encouraging first step.”However, the NAEA believe that Cameron’s plans to build 200,000 starter homes will fall short of the number of properties needed to satisfy high demand for affordable housing.The NAEA’s latest housing report found that sales made to first-time buyers in August fell to the lowest level since July 2014, suggesting that many first-time purchasers are being squeezed out the market.“The announcement from David Cameron on his plans to build 200,000 new homes is good news, but it simply isn’t enough bricks and mortar to lift us out of the crisis we currently find ourselves in,” said Mark Hayward, the NAEA’s Managing Director.more starter homes generation buy affordable homes first-time buyers October 14, 2015The NegotiatorWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021
Share this article May 17, 2012 View post tag: Navy View post tag: Exercise HMAS Ballarat (Commanger Jonathan Earley) has been making waves in the South China Seas as part of the maritime component for the annual Five Power Defence Arrangement Exercise – Bersama Shield.Exercise Bersama Shield 12 (Ex BS12) saw Ballarat join forces with Malaysian Frigate KD Lekiu and Singaporean Frigate RSS Supreme along with HMAS Collins (Commander Jason Cupples) and aircraft from Australia, New Zealand, Singapore, Malaysia and the United Kingdom from 23 April to 4 May 2012.For Ballarat this was a particularly busy time with Sea Training Group also joining the ship for the duration of the exercise.Warfare staff from Sea Training Group worked closely with ship’s staff before assessing the warfare team in specific warfare competencies for their upcoming North East Asian Deployment.The exercise provided an excellent opportunity for this to occur, given the large and extensive number of assets provided by all nations including: Collins, a CB-90 Fast Attack Craft, AEWC, AP-3C, F50, S70B (Singaporean version), Super Lynx and a variety of fast jet aircraft including Hawks, F-15, F-16, F-18, Su30 and MiG 29 as well as two DA 20 Electronic Warfare Aircraft (similar the EWTS aircraft often seen in the EAXA and WAXA).CMDR Earley said with such a variety of assets, the training was truly multi-threat.“At any one time it was possible to have 46 aircraft on task providing early warning, undertaking combat air patrols, performing air raids against the force simulating either missile/FGA attacks,” he said.“All this while at the same having a sub-surface attacks from Collins and small boat asymmetric attacks from the Royal Malaysian Navy’s 45kt CB-90 fast attack craft.”He said ex-BS 12 was split into four distinct phases for the maritime force.“The first involved an extensive series of briefs during the Harbour Phase to prepare all participants on the aims and objectives of the exercise.“This was followed by the Force Integration Training (FIT) Phase, where the maritime component conducted a very busy serialised program to build competence, capability and confidence among the surface units.”The three frigates formed a surface task group with CO Ballarat acting as Commander Task Group and, along with Collins, spent this phase exercising basic communications, ship handling, aviation and warfare.The next phase of the exercise was the “WAREX”. This phase focused on the testing the ability of the maritime task group to operate together in a free play environment against unalerted attack windows during the day.The seven-day exercise culminated in a two-day “LIVEX” in which the task group was required to safely escort a high value unit through the operational areas against an array of air, surface and sub-surface threats coming from anywhere at any time.One of Ballarat’s JWAC Phase IV trainees, SBLT Scott Lytton, said this exercise was his highlight.“The uncertainty of the threats and timings meant anything could happen and you had to be alert at all times. It was a great training experience, especially for the bridge team onboard,” SBLT Lytton said.Adding to that sense of satisfaction was the relief to learn the Sea Training Group had assessed the Operations Team as “Unit Ready” in the required Warfare Competencies needed for the next stage of Ballarat’s North East Asian Deployment.[mappress]Naval Today Staff , May 17, 2012; Image: Australian Navy HMAS Ballarat Concludes Bersama Shield 12 Exercise Training & Education View post tag: BERSAMA View post tag: Shield 12 Back to overview,Home naval-today HMAS Ballarat Concludes Bersama Shield 12 Exercise View post tag: HMAS View post tag: Naval View post tag: Concludes View post tag: Ballarat View post tag: News by topic
Oluwafemi Nylander, a prominent member of Rhodes Must Fall Oxford and campaigner against colonial commemoration at Oxford, today stood outside All Souls College in protest against the Codrington Library and commemoration of its founder, Christopher Codrington.He stood shirtless outside the High Street entrance to the college, with a chain around his neck and ‘All Slaves College’ painted on his chest in red paint, which was intended to resemble blood.Speaking to Cherwell, Nylander described his attempts, apparently on behalf of Rhodes Must Fall, to remove the commemoration of Christopher Codrington within the college.The Codrington Library“When we complained about the statue and the plaque to the college their response was that the statue was a fact of history which like the history of slavery itself cannot be changed. I thought I would remind them what the history of slavery was.”The Codrington Library was founded in 1751 by Christopher Codrington, a fellow of the college who amassed a considerable fortune through plantation slavery. His £10,000 currency donation in the eighteenth century is worth approximately £1.2m in modern terms.A statue, in which Codrington is dressed as a Roman, stands in the library, above a plaque that acknowledges (in Latin) “Christopher Codrington, who built this library and enriched the books out of his will”.The statue of Christopher Codrington inside the libraryIn a blog post for the online magazine Consented, Nylander attacked the “soulless” “moral relativism” of University Vice Chancellor Louise Richardson in defending the Codrington Library, and All Souls’ failure to “show humility, regret and sensitivity to this flagrant dismissal of the histories and experiences of black students”.Nylander’s article claims that, in a statement to Rhodes Must Fall Oxford, Fellow Sir John Vickers said “the Library exists for students and researchers. Its name and statues reflect facts of history which, like the history of slavery itself, cannot be changed”.All Souls College has been contacted for comment.
Twitter IndianaLocalNews (Jon Zimney/95.3 MNC) A man was killed in a crash in Middlebury.The collision happened around 1 a.m. on Sunday, March 8, on eastbound County Road 8.Investigators say Robert Heign, 58, lost control of the vehicle he was driving and struck a tree.He was taken to Elkhart General Hospital where he later died.The Elkhart County Sheriff’s Office is still investigating factors that led to the collision. Pinterest Pinterest Google+ Man killed in crash on County Road 8 in Middlebury Twitter Facebook WhatsApp Google+ WhatsApp Facebook By Jon Zimney – March 9, 2020 0 338 Previous articleDeadline for Michigan early voters to change their votes approachingNext articleLake Michigan water level at record high…again Jon ZimneyJon Zimney is the News and Programming Director for News/Talk 95.3 Michiana’s News Channel and host of the Fries With That podcast. Follow him on Twitter @jzimney.
Papadosio will celebrate New Year’s Eve for two nights in Nashville, Tennessee! On Saturday, December 30, Papadosio will perform an intimate show at the Exit/In music hall with local act Doyle. On Sunday, December 31, the space rockers will celebrate the ringing in of the New Year with Zoogma and Asheville locals Push/Pull at Marathon Music Works.Papadosio has created a genre of their own by blending elements of rock, jazz, and electronic live looping to create a sound that is unique for their listeners. Constantly evolving, Papadosio is known for testing the boundaries of what fans know of their sound and incorporate improvisational aspects into each of their performance for an added treat.Tickets are now on sale here.[cover photo by Keith Griner of Phierce Photo]
Saint Mary’s acts as a blank canvas for many students to make their marks on the world. For College alumna Nancy Murphy Spicer, this took on a more literal meaning. Following her graduation in 1979, Murphy Spicer embarked on a career in modern art, leading to her speak at Vander Vennet Theater on Monday afternoon.Originally, Murphy Spicer said her work was mostly abstract, but when she got her mid-career Master of Fine Arts from the School of the Art Institute of Chicago, she focused on portraiture. Murphy Spicer said she found inspiration for most of her new series “The New Brag” from the Instagram accounts of the people she knows.“These are images that the subjects, in most cases, have constructed themselves. I have encountered them and felt the desire to bring them into the realm of painting,” she said.A majority of the portraits in her most recent series feature women. She focused on representation and honoring the women who influenced her while she was at Saint Mary’s and after, she said.“I have been trying to create my own art history and genealogy ever since I was in a lot of art history classes,” Murphy Spicer said. “You will learn about a lot of male artists. I found it hard to imagine myself into being an artist.”Murphy Spicer displayed a picture of her finished master’s studio. She noted a piece of writing in the right-hand corner of the artwork and explained how a moment at the College influenced the piece.“[The writing] comes from a letter my father wrote me while I was a senior here at Saint Mary’s saying, ‘I’m concerned for your economic viability.’ I was like, ‘What is he talking about? Oh, he’s worried. He’s worried I’m going to be broke,’” Murphy Spicer said.She said this concern from her father may have been warranted, but Murphy Spicer went on to sell and show her artwork across the globe in places such as the Carroll and Sons gallery in Boston, RAUMX in London and 18m Salon in Berlin.She not only commented on the origins and nature of her work but also her views on the pursuit of art. She discussed her accomplishments in order to reinforce the idea that art can be a social enterprise.“I really do think that this idea of the lone artist, let’s just get rid of that, you really are always trying to do so many different things, and I can remember that I went through a whole phase before I had children, ‘Is having children going to destroy my art life?’ That is a big question for women,” Murphy Spicer said. “After I had my daughters, I had this language that they are like rocks tied around my feet and wings on my back. I could not live without them.”Both of Murphy Spicer’s daughter, who are now adults, are featured in her latest work.Murphy Spicer said she changed the focus and motivation of her work while in graduate school, which she attended as an already-accomplished artist.“I was in a good grove,” Murphy Spicer said. “I obviously thought I knew what I was doing, but I wanted that to be disrupted, so I went to graduate school. One of my first professors threw me off, she said, ‘Make it literal, make it clunky and tell the story of your life.’ I just wanted to vomit.”This change caused her work to become more literal both visually and in meaning as it became focused on figure instead of shape and color, she said. Murphy Spicer cited her involvement in the 2016 Clinton campaign as a form of motivation for her more recent artistic work.“It took a couple years for me to work my way into this work. The work also resides in a very specific cultural moment,” Murphy Spicer said. “While this work was going on, there were daily news reports that are a constant reminder of the profound rape culture that we live in. I just felt like I had to make something to help myself survive and remind me that we have power that we can stand in our power.”Later in the lecture, Murphy Spicer shared another piece of her inspiration — a poem speaking of using art to create an escape from the world.“I really needed to create a world that somehow had more possibilities in it than the world I was,” she said.Murphy Spicer will be displaying her work at Saint Mary’s as a part of her class reunion in June.Tags: Art, artist lecture, Nancy Murphy Spicer, Saint Mary’s alumna
Photo by Sally McCay. (Officials from CCV, DEW and Vermont State Colleges gather together to celebrate the start of construction for CCV’s new Rutland Academic Center.) DEW Construction Corp,Construction of the new Rutland Academic Center for the Community College of Vermont has begun. CCV will be relocating its Rutland campus to new a new location at the corner of West Street and Wales Street in downtown Rutland. The new Academic Center is being constructed for CCV with occupancy scheduled for the end of this year, in time for spring semester classes starting January 2012. CCV has entered into a long term lease for approximately 32,500 sq. ft. with developer and construction manager DEW Construction Corp. of Williston. CCV selected the site over several other locations, stating the West and Wales location offered a prominent location in addition to on-site parking and the ability to expand as their enrollment continues to grow. ‘CCV takes its role as a community college very seriously. Our students are your friends, neighbors, relatives, and customers,’ said CCV President Joyce Judy. ‘We are delighted to be able to remain in downtown Rutland, where local businesses will continue to benefit from the 800 students, faculty, and staff CCV brings downtown every week.’ The new 3-story building will be constructed from steel and concrete, and have a brick exterior. Many LEED features and energy saving components will be incorporated into the new Class A building. CCV’s new home will house class rooms, science labs, art labs, computer class rooms, student work areas, and administrative offices. Daytime parking for faculty and staff will be provided on-site and DEW has entered into a lease agreement with the State of Vermont for additional parking at the parking garage located ½ block away. DEW Construction Corp. offers commercial development, preconstruction and construction services throughout the New England Region and upstate New York.
Your auto portfolio is key to your credit union, and you watch its performance carefully. You underwrite prudently and put measures in place, such as collateral protection insurance (CPI), to safeguard against loss due to uninsured collateral. And you try to ensure you have a CPI program in place that is efficient, flexible and allows you to get the most benefit possible. The greatest benefit of a CPI program, however, is only achieved when the program is allowed to work as designed.A Balanced ProgramA CPI program is designed to be in balance over the long haul. By that I mean the premiums collected for certificates placed have to be sufficient to cover the vendor’s losses (claims paid to you), expenses (for tracking) and margins (of the vendor and the carrier actually underwriting your program). Stability is achieved when CPI programs are managed efficiently by your provider and certificates are placed per your guidelines according to the terms of the loan agreements. This typically entails having insurance in place for the life of the loan, with no lapses in coverage, and you, the lender, listed as the lienholder.Your staff can be pressed by borrowers to modify terms related to CPI. Your staff also has an inherent degree of sympathy in their treatment of members, and waiving CPI requirements can often feel like the “right” thing to do, especially when no claims have occurred during the time a CPI certificate was, or should have been in force. But please don’t allow the practice of giving exceptions to your program.In my previous article I discussed the ‘tough love’ aspect of enforcing all the terms of a loan. And the insurance requirement should be like any other loan term. Think of it this way: could you stay in the lending business if you are willing to allow borrowers to:Skip whatever payments they wantNot paying finance charges they don’t feel like payingObtain a loan without a formal agreementRemove other clauses they don’t like from the deal?You get the point. All the clauses in any contract or security agreement are there for a reason, and the requirement to keep the collateral insured should be no exception. A borrower’s failure to maintain proper insurance should be taken as seriously as the failure to comply with any of the other terms.Fair TreatmentMaking any CPI-related exceptions creates several problems. It increases the ratio of claims paid to you compared to the premiums collected, upsetting the goal of maintaining balance of the program. Over time, it raises the cost of the CPI program that is then passed on to borrowers who did not receive an exception –causing those borrower to bear an even larger share of the program’s costs. In succeeding articles, I’ll discuss these costs in detail.For your staff, making an exception, often called ‘waiving coverage’ that should be force-placed, creates additional and unnecessary work. Waiving insurance requirements can also put you at risk from regulators for treating some borrowers differently than others. CPI should be viewed like any other loan term, consistently applied across all borrowers.To maintain balance, take burden off you staff, and be on the right side of any possible regulatory issue, you must enforce loan requirements uniformly. That includes allowing CPI programs to work as designed by tracking all insurance and force-placing and collecting premium on borrowers who do not maintain proper outside insurance for the life of the loan. Doing so is not only best practice, but also maximizes the benefit you obtain from a CPI program.By choosing CPI over other forms of portfolio protection, you’ve put a program in place that is the fairest to all your members –charging only those who don’t follow the rules. And to be truly equitable to the members that do keep their outside insurance in force, it’s imperative to force place CPI on non-compliant borrowers.The ‘tough love’ aspect of a collateral protection insurance program acts as a catalyst for changing member behavior by encouraging borrowers affected by it to purchase and maintain outside insurance. It’s a fair and balanced solution –when the program is allowed to work as designed. 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Mike Gallagher Mr. Gallagher spent 17 years promoting CPI as the marketing director for State National. He is currently consulting with credit unions: [email protected] Details
Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.