N2X035 HOUSE / [N2X] Arquitectos

first_imgArchDaily Year:  Photographs:  José Maria OliveiraText description provided by the architects. This project is located on a plot of land of some interest in a place called Lugar da Ribeira da Praia. We started from an unusual context, as this plot housed some ruins at a higher location, naturally kept apart from the surrounding lower agglomerate with which it apparently dialogues and which we then designated as “village”.Save this picture!© José Maria OliveiraRecommended ProductsWindowsStudcoSteel Window Reveal – EzyRevealEnclosures / Double Skin FacadesFranken-SchotterFacade System –  LINEAFiber Cements / CementsApavisaTiles – Nanofusion 7.0Fiber Cements / CementsEQUITONEFiber Cement Facade Panel NaturaThe project’s idea is to “fill” the physical emptiness existing in these ruins by constructing two related modules that overlap each other and are similar to one another material-wise, but that differ in their limits, making evident the construction principle based on the loose and mismatched stone of the ruins and its surrounding walls.Save this picture!© José Maria OliveiraMaintenance of the ruins’ external walls allowed for keeping its identity and the local’s memory as well as to stress the present and evolution of concepts and languages prone to the human experience.Save this picture!© José Maria OliveiraThe high limits of the ruins upon which the stone and blackness of the exterior panels of the house were set limit the simple and functional white interior that radiates light and brings life into its interior.Save this picture!© José Maria OliveiraA privileged view over Vale da Ribeira and the ocean, its sunny location and the environmental and landscaped components are what makes this construction respond to a significant amount of elements that together create is sustainability, via use of solar energy, rain waters for watering and reservoir filling and for an acoustic and thermally-controlled construction.Save this picture!Section 01SectionProject gallerySee allShow lessPeabody’s St John’s Hill Estate / Hawkins\BrownArticles2012 RIBA Lubetkin Prize ShortlistArticles Share Photographs N2X035 HOUSE / [N2X] Arquitectos “COPY” Architects: [N2X] Arquitectos Area Area of this architecture project Houses N2X035 HOUSE / [N2X] ArquitectosSave this projectSaveN2X035 HOUSE / [N2X] Arquitectos Projects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/258383/n2x035-house-n2x-arquitectos Clipboard ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/258383/n2x035-house-n2x-arquitectos Clipboard CopyHouses•Portugal “COPY” Portugal Area:  156 m² Year Completion year of this architecture project 2012 Save this picture!© José Maria Oliveira+ 19 Share CopyAbout this office[N2X] ArquitectosOfficeFollowProductsStoneConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesHousesPortugalPublished on July 31, 2012Cite: “N2X035 HOUSE / [N2X] Arquitectos” 31 Jul 2012. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogShowershansgroheShower MixersVinyl Walls3MVinyl Finish – DI-NOC™ Abrasion ResistantPartitionsSkyfoldIntegrating Operable Walls in a SpaceLightsVibiaLamps – NorthCultural / PatrimonialIsland Exterior FabricatorsSeptember 11th Memorial Museum Envelope SystemSkylightsVELUX CommercialAtrium Longlight, DZNE GermanyHanging LampsLouis PoulsenLamp – PH ArtichokeTiles / Mosaic / GresiteHisbalitMosaic Tiles – TexturasAcousticMetawellAluminum Panels – Acoustic SailsMineral / Organic PaintsKEIMTiO2-free Mineral Paint – Soldalit®-ArteWall / Ceiling LightsA-LightWall Grazer Concealed LightsDoorsBuster and PunchDoor Hardware – Pull BarMore products »Read commentsSave世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?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

LuxLeaks Act II: RSF urges LuxLeaks appeal court to acquit whistleblowers and journalist

first_img Follow the news on Luxembourg RSF and 60 other organisations call for an EU anti-SLAPP directive December 13, 2016 LuxLeaks Act II: RSF urges LuxLeaks appeal court to acquit whistleblowers and journalist Ten RSF recommendations for the European Union News to go further The three LuxLeaks defendants who exposed Luxembourg’s massive system of tax avoidance for multinational corporations are on trial again in the Grand Duchy, where a court yesterday began hearing the appeal in a case that is drawing renewed attention to the issue of protection for whistleblowers. Former PricewaterhouseCoopers employees Antoine Deltour and Raphaël Halet are seeking their acquittal on the grounds that they acted in the general interest. They received suspended jail sentences for leaking confidential documents at the original trial last June.The third defendant, French journalist Edouard Perrin, was acquitted at the original trial but Luxembourg’s public prosecutor appealed against his acquittal and included him in the appeal in order not to “slice up the case,” he said. At the heart of this case is the issue of the legal status of whistleblowers – those who leak documents in order to defend what they regard as the public interest. This was the defence that Deltour and Halet used at the trial and, in its verdict, the court recognized that the “defendants acted in the general interest and against morally doubtful tax optimization practices.” But this did not suffice for them to avoid a guilty verdict because Luxembourg’s laws provide no protection for whistleblowing. “The information revealed by the LuxLeaks case was of vital importance and was clearly in the public interest,” said Pauline Adès-Mével, the head of RSF’s Europe desk. “The public has a right to be informed about the tax optimization procedures used by leading multinationals and the privileges that certain government grant them. The trade secrets directive adopted by the European Parliament on 14 April refers to article 11 of the EU Charter of Fundamental Rights, which protects journalists and their sources and the ‘freedom to hold opinions and to receive and impart information and ideas without interference by public authority’.” Luxembourg’s justice system should be guided by these principles and should lead the way for other European countries that still lack a legally defined status for whistleblowers. Luxembourg is ranked 15th out of 180 countries in RSF’s 2016 World Press Freedom Index. November 23, 2020 Find out more Help by sharing this information News News Edouard Perrin, Raphaël Halet and Antoine Deltour / AFP RSF_en LuxembourgEurope – Central Asia Protecting journalistsProtecting sources Conflicts of interestJudicial harassmentEconomic pressureWhistleblowers June 2, 2021 Find out more December 2, 2020 Find out more Receive email alerts Use the Digital Services Act to make democracy prevail over platform interests, RSF tells EU LuxembourgEurope – Central Asia Protecting journalistsProtecting sources Conflicts of interestJudicial harassmentEconomic pressureWhistleblowers Organisation Newslast_img read more

Congressional Tri-Caucus Chairs Call on CDC to Release Nationwide Demographic Data

first_img CITY NEWS SERVICE/STAFF REPORT Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday 20 recommended0 commentsShareShareTweetSharePin it HerbeautyWhat’s Your Zodiac Flower Sign?HerbeautyHerbeautyHerbeautyWomen Love These Great Tips To Making Your Teeth Look WhiterHerbeautyHerbeautyHerbeauty7 Reasons Why The Lost Kilos Are Regained AgainHerbeautyHerbeautyHerbeautyA Mental Health Chatbot Which Helps People With DepressionHerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeautyHerbeautyHere Is What Scientists Say Will Happen When You Eat AvocadosHerbeautyHerbeauty The Congressional Tri-Caucus Chairs are calling on the Trump Administration to ensure there are no racial or ethnic health disparities regarding the testing and treatment of the Coronavirus.Rep. Judy Chu (D-Pasadena), who chairs the Congressional Asian Pacific American Caucus (CAPAC) and the chairs of the Congressional Hispanic Caucus (CHC), and Congressional Black Caucus (CBC) urged Health and Human Services (HHS) Secretary Azar and Centers for Disease Control and Prevention (CDC) Director Redfield to work with the Tri-Caucus to ensure nationwide demographic data is released publicly and in real time and to find the best approach in collecting disaggregated data without compromising data collection or the integrity of CDC data.“Based on early regional data that is available, we are alarmed to learn that the virus is disproportionately affecting communities of color. Unfortunately, the CDC has not released nationwide demographic data, which hinders our efforts to understand these emerging trends.”“We understand that the Person Under Investigation form allows for the collection of top-level race and ethnicity information but would like to verify when and if the CDC plans to publicly release these findings, the Members wrote.”“We understand that reporting data prematurely can compromise the integrity of the data sets, but having timely and accurate data is critical for policy makers to inform essential legislation that will impact millions of Americans and future generations. We are very concerned with the current absence of nationwide demographic data and how the lack of data can hamper the response to COVID-19.“Without this data, stakeholders are unable to adequately target both public health campaigns and ensure that providers have the resources needed to test and treat diverse populations.”The letter is signed by Chu, CHC Chairman Joaquin Castro (D-San Antonio), and CBC Chairwoman Karen Bass (D-Los Angeles).African Americans and other minority groups could be more prone to the virus due to more statistical occurrence of underlying conditions.Nearly 48 percent of African American women and 44 percent of African American men have some form of heart disease according to the Heart Foundation.African Americans are also more likely to develop high blood pressure and diabetes.As of April 3, African Americans made up almost half of Milwaukee County’s 945 cases and 81 percent of its 27 deaths in a county whose population is 26 percent black. Milwaukee is one of the few places in the county that is tracking the racial breakdown of people who have been infected by the virus.In Michigan, where the state’s population is 14 percent black, African Americans made up 35 percent of cases and 40 percent of deaths as of Friday morning.Some agencies are asking if racial bias is limiting access to testing.“We are deeply concerned that African American communities are being hardest hit by the Covid-19 pandemic, and that racial bias may be impacting the access they receive to testing and healthcare,” Kristen Clarke, president and executive director of the Lawyers’ Committee for Civil Rights Under Law. The committee and nearly 400 medical professionals have demanded that the U.S. Department of Health and Human Services release daily racial and ethnic demographic data on Coronavirus testing, cases, and outcomes.The 1964 Civil Rights Act and the Affordable Care Act prohibit discrimination in health care services. The absence of data amounts to denial of appropriate care, the group is claiming.“Under section 4302 of the ACA, HHS is required to collect, analyze, and report disaggregated data for health care programs. Currently, the CDC COVID Case report form only collects high-level information and does not collect any disaggregated data by race, ethnicity, primary language, gender, disability status and socioeconomic status,” the letter states. “We understand that making changes to health forms in the midst of a pandemic can be a challenge, so the Tri-Caucus would like to work closely with the CDC and state health agencies to help provide adequate resources and support the best strategy to reach this goal without compromising data collection or the integrity of CDC data.” Community News Name (required)  Mail (required) (not be published)  Website  Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Top of the News Business News EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPasadena Water and PowerPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimescenter_img Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Government Congressional Tri-Caucus Chairs Call on CDC to Release Nationwide Demographic Data Early regional data shows COVID-19 is disproportionately affecting communities of color STAFF REPORTS Published on Thursday, April 9, 2020 | 11:31 am Community News Your email address will not be published. Required fields are marked * More Cool Stuff Make a comment STAFF REPORT First Heatwave Expected Next Week Subscribe STAFF REPORT Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy last_img read more

COVID Relief’s ‘Unanticipated Side Effect’ in the MBS Market

first_imgBoth the government and the mortgage industry have faced an uphill battle when adapting to the practical and economic realities of the COVID-19 pandemic. With so many X factors, it’s the unexpected is almost all that can be expected A new report from Bloomberg delves into a new change related to coronavirus relief that could benefit banks but negatively impact investors in mortgage-backed securities.The COVID-19 health crisis has put millions of impacted homeowners at risk of delinquency and foreclosure, fueling an “upheaval” in the mortgage market. Now, Bloomberg reports, banks and other lenders are beginning to act on the understanding that this allows them to buy home loans at below-market prices. According to Bloomberg, “The earnings would come from an unanticipated side-effect of Congress’ decision in March to allow homeowners affected by the pandemic to delay loan payments for as long as a year, combined with arcane regulations governing mortgage-backed securities.”Banks such as Wells Fargo & Co. and U.S. Bancorp are already buying, Bloomberg reports, frustrating bond holders who say the purchases are causing them losses.This so-called ‘loophole’ is possible, in part, due to Ginnie Mae regulations, Bloomberg reports. Ginnie rules allow banks and other lenders to buy loans out of mortgage securities at their par value when a borrower hasn’t made payments for 90 days, Bloomberg explained.  Investors value most of those loans at 5% to 10% above par, reportedly, “meaning the purchases result in an immediate writedown for the bond holders and a potential profit for the lender when they’re able to resell the loan.” Former Ginnie Mae President Ted Tozer, now a senior fellow at the Milken Institute, told Bloomberg, “The banks are setting themselves up for a huge windfall. It’s almost pure profit.”According to Bloomberg, sources from the lending and banking industry argue that the process is often risky and that it “has more to do with accounting issues than trying to score a quick profit.” Bank of America mortgage security strategist Michael Khankin, for one, expounded on the “risk” idea, noting that lenders that engage in extensive buyouts do face a potential downside. “This is not a riskless transaction,” said Khankin, who noted borrowers might default while a lender holds the loan or government agencies could change the rules again for when mortgages can be re-securitized. How accounting factors in: Rules force lenders to put loans on their balance sheets if they have an option to buy the mortgages “in the money,” meaning that exercising it would turn a profit, explained Bloomberg. On Wells Fargo’s Q2 earnings call last month, CFO John Shrewsberry said that accounting requirements influenced its loan purchases. Wells Fargo spokesman Tom Goyda said the bank regularly buys delinquent loans out of Ginnie pools to manage balance sheet impacts and to reduce expenses. Why the pandemic-prompted buyouts are different than in other situations: Loan buyouts aren’t new but now it’s about the uniquely large number of homeowners who’ve opted to delay their monthly payments because lawmakers have protected them from foreclosures. In general, those borrowers are expected to start paying their mortgages again. That means that, unlike during the 2008 financial crisis, lenders that buy delinquent loans might be able to easily resell them at premium prices as the mortgages become current. The outlet goes on to report that “Wells Fargo in July and August bought $19 billion of loans out of Ginnie securities for $1.5 billion less than the loans’ market price, according to Dhivya Krishna, head of research for hedge fund Metacapital Management LP, which invests in Ginnie mortgage bonds.” As for U.S. Bancorp, it bought $5 billion of such loans for $380 million less.  Other lenders have made smaller purchases, but some bond investors say that increasingly high delinquencies and nonpayments due to COVID-19 will cause these buying opportunities to blossom in coming months.  Now, if the economy rapidly improves in coming months, and homeowners, in large numbers, exit forbearance, said opportunities will dwindle. Home / Daily Dose / COVID Relief’s ‘Unanticipated Side Effect’ in the MBS Market Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Previous: ‘Online Buyers’ Contribute to Growing Home Sales Next: The Changing Face of Distressed Property Auctions COVID Relief’s ‘Unanticipated Side Effect’ in the MBS Market Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Sign up for DS News Daily Demand Propels Home Prices Upward 2 days ago Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly, Salon.com, Dallas Observer, Edible, and the Dallas Morning News, among others. Related Articles The Week Ahead: Nearing the Forbearance Exit 2 days ago 2020-08-20 Christina Hughes Babb Demand Propels Home Prices Upward 2 days ago About Author: Christina Hughes Babb August 20, 2020 1,779 Views Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, News Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago  Print This Post Subscribelast_img read more