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20 Agustus 2023

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Filed under: Home & Family, Home Improvement — Tag: — madonnakroger52 @ 6:35 am

Al-Hilal have confirmed the signing of Moroccan goalkeeper Bono from LaLiga side Sevilla on a three-year deal.

 the Saudi Pro League side were closing in on a deal to sign the 32-year-old shotstopper for £17.9m.

On Thursday evening, , with the Moroccan playing his last match for Sevilla to . 

He made a number of saves in the game, but failed to save any of City’s five penalties in the shootout.Sevilla defender Nemanja Gudelj hit the bar with his side’s fifth kick to gift the game to the Premier League side.

Yassine Bounou – more commonly known as Bono – kept fans on the edge of their seats with his impressive goalkeeping as Morocco reached the semi-finals of the 2022 World Cup, becoming the first African side to do so. 

Al-Hilal have confirmed the signing of Moroccan goalkeeper Bono from LaLiga side Sevilla

He played his last match for Sevilla in Wednesday’s UEFA Super Cup defeat to Manchester City

He kept four clean sheets in the tournament, the most of any goalkeeper, and will be hoping to do the same in club football in Saudi Arabia, which shares a land border with Qatar.  

Bono has played for the likes of Atletico Madrid and Girona throughout his career.He had a brief loan spell at Sevilla before joining permanently in 2020 and played 142 games for the club, scoring once. 

A proposal to take Bono to Real Madrid to replace the injured Thibaut Courtois fell through because the club objected to the goalkeeper’s plan to represent Morocco at the African Cup of Nations, which is being held in January and February 2024.

Instead, from Chelsea. 

Neymar, as more players continue to swap European football for the growing Saudi Pro League.  

Bono’s move to Real Madrid fell through due to his African Cup of Nations commitments 

Neymar (L) joined Al-Hilal from PSG on Monday, as more players swap Europe for Saudi Arabia

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10 Juni 2023

Urgent tax office warning for Australia's influencers

Filed under: Home & Family, Home Improvement — Tag: — lindseyhuxley15 @ 4:30 am

Australian influencers have been put on notice by the Australian Taxation Office as a crackdown on undeclared luxury gifts gets under way.

The ATO said it will use a sophisticated set of ‘data matching’ technologies to weed-out influencers who are failing to report sponsorships as part of their income which can include handouts and holidays.

A spokesman warned the technology will be used to see if Insta-famous celebrities are owning up to their ‘millionaire’ lifestyles.

‘If you are paid in-kind, such as with goods or other benefits – for example, eVDEN EVE NaKliyat eVE NAkLiYAT being able to keep an item or outfit used in a post or being gifted something – you are subject to the same income tax and GST treatment as normal cash or credit payments,’ the ATO told the .

The Australian Taxation Office announced a new crackdown on luxury lifestyle influencer (pictured, Sydney-based influencer and jewellery designer Emma Pillemer)

Hundreds of Australia-based influencers share content with ‘gifted’ hashtags for posts they are paid for through gifted goods (pictured, left Jono Castano, right Chantelle Stanton)

All income generated by influencers – even those who use their platform as a hobby, not a business – is subject to tax under Australian law.

‘Gifts’ given by companies instead of cash in exchange for advertisements are also considered income.

However, gifts given by companies without the expectation of services – for example, EVDeN Eve NakLiyAT PR packages – aren’t considered income.

Australian law requires creators on social media to claim when a post is sponsored, but glitzy events and luxurious gifts are often put in a ‘grey area’.

Hundreds of influencers around Australia – including big names Jade Tuncdoruk, Olivia Molly Rogers, Bec Judd, Jono Castano, Rozalia Russian, Chantelle Stanton, Lisa Danielle Smith and Lucas White Smith – share sponsored posts with ‘gifted’ hashtags.

Daily Mail Australia does not suggest any of the influencers named or pictured are not declaring gifts to the ATO or are otherwise evading tax. 

Sydney-based actor and influencer Suzan Mutesi (above) said it will be difficult for influencers to gauge the value of gifts they receive from companies

The Australia Taxation Office said it will be cracking down on influencers who don’t claim non-cash payments as income after sharing posts with the hashtag ‘gifted’

A high-profile accounting executive said the upcoming ‘game-changing’ policies will have many influencers rethinking whether ‘gifts’ are worth the extra tax.

‘It is well and good to walk around with a $5,000 handbag but if you can’t afford the tax, what is the point? It is a game-changer that will have influencers rethinking the situation,’ they said.

A celebrity agent agreed, adding ‘the gravy train is over for influencers’ who can’t afford to pay cash for expensive presents.

‘A crackdown will take a much-needed weed whacker to the infestations of wannabe Kardashians of late,’ the agent said.

However, Sydney-based actor and influencer Suzan Mutesi said it could be difficult for some influencers to determine the value of their gifts.

She said many non-cash payments given to influencers can be sample designs that were never intended to be sold, goods made specifically for them or invitations to exclusive holidays and events.

9 Juni 2023

Home And Home Transport Ankara

Filed under: Home & Family, Home Improvement — Tag: — saundrafql @ 8:23 pm

Good description of the shipping must be transported and stored.

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Shipping to be moved and stored; bulk (dump) the transportation and parts (one case), shipping are divided into two main groups.

Part (Unit) Shipping Stores

Price per Unit (piece) transportation, which is separated shapes, sizes differ transportation. The factors affecting the transport of shipping and store up of shipping parts parts dimensions, weights, volumes, shapes and so on. features.

Parts of the shipping have a specific shape and evden eve nakliyat dimensions of the storage and transport by bulk shipping more difficult. Part of the shipping storage, EvdeN EVe naKLiyAt pallets, racks, modular drawers, boxes, containers, stacking outdoor area, mobile racks and so on. Is used.The main task of the structures that make up the unit stores the transportation warehouse property to protect against the effects of the outside world (Ankara evden eve nakliyat).

Storage Tank: Storage tanks (spare tank, collecting tank) is usually divided into volumetric capacities and others with long storage times.These shipping stocked for long periods of time, are used to store. (Eg raw materials, coal, grain stores)

Repository Migration: Migration tanks, until the exit of the shipping into the warehouse used to leave in a short time. Warehouse transportation loaded and unloaded in the same or at regular intervals.Storage time is usually very short. (Tanks kept at the airport or train stations)

Classified Tank: Classified flow of material during store up and separation, the places where a particular arrangement. These deposits are very short storage periods.In the case of the large amount of varieties suited to full automation of such stores.

Surface Tank: the most appropriate storage system that has been used previously low storages.

Complicated process, lack of storage, the facility is cheaper and can be changed easily, such as corridors, against the positive characteristics, low deposits and undesirable aspects of the more important: the scene efficiently used in warehouses, storage of shipping completely covering the ground, with only the top of a set of shipping or transportation can be taken directly to the unit storage operations take more time, and finally not show compliance with the repository, such as automatic layouts.

This type stores, can reach up to a height of 7 meters, covering an area of large storages. Shipping stored in warehouse floor or low shelves. Crane used for storage as utilities systems, belt conveyors are as hard as a continuous feed machines and evden EVe NakLiYAT a variety of carriers of the corridor.Surface properties of high surface storages tanks are the same. However, the heights of 7-12 meters range.

Multi-Story Storage: store in a row of multi-storey warehouses surface formed by organized storages. This type of warehouse stores where the floor area is less than thought in order to increase storage capacity.Utilities are used to transport the surface are the same as those used in warehouses, elevators, vertical multi-storey warehouses carriers become important.

Riza Arikan Photo rizarikan79 Ankara in Turkey 2013

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Home And Home Transport Ankara

Filed under: Home & Family, Home Improvement — Tag: — rosalinaboyles2 @ 8:34 am

Good description of the shipping must be transported and stored.

Substances; case, the characteristic features and the amount collected under the three main groups. These characteristics of the shipping to be moved and stored, transport and store up facilities will be established to determine the type and structure the most important role in determining properties of constructive play.

Shipping to be moved and stored; bulk (dump) the transportation and parts (one case), shipping are divided into two main groups.

Part (Unit) Shipping Stores

Price per Unit (piece) transportation, which is separated shapes, sizes differ transportation. The factors affecting the transport of shipping and Evden EVE NAKLiYaT store up of shipping parts parts dimensions, weights, volumes, shapes and so on. features.

Parts of the shipping have a specific shape and dimensions of the storage and transport by bulk shipping more difficult. Part of the shipping storage, pallets, racks, modular drawers, boxes, containers, stacking outdoor area, mobile racks and so on. Is used.The main task of the structures that make up the unit stores the transportation warehouse property to protect against the effects of the outside world (Ankara evden eve nakliyat).

Storage Tank: Storage tanks (spare tank, collecting tank) is usually divided into volumetric capacities and others with long storage times.These shipping stocked for long periods of time, are used to store. (Eg raw materials, coal, grain stores)

Repository Migration: Migration tanks, until the exit of the shipping into the warehouse used to leave in a short time. Warehouse transportation loaded and EvdeN eve naKLiyAt unloaded in the same or at regular intervals.Storage time is usually very short. (Tanks kept at the airport or train stations)

Classified Tank: Classified flow of material during store up and separation, the places where a particular arrangement. These deposits are very short storage periods.In the case of the large amount of varieties suited to full automation of such stores.

Surface Tank: the most appropriate storage system that has been used previously low storages.

Complicated process, lack of storage, the facility is cheaper and can be changed easily, such as corridors, against the positive characteristics, low deposits and undesirable aspects of the more important: the scene efficiently used in warehouses, storage of shipping completely covering the ground, EVDEN eVE NaKLiYaT with only the top of a set of shipping or transportation can be taken directly to the unit storage operations take more time, and finally not show compliance with the repository, such as automatic layouts.

This type stores, can reach up to a height of 7 meters, covering an area of large storages. Shipping stored in warehouse floor or evdEn EVE nAkLiYat low shelves. Crane used for storage as utilities systems, belt conveyors are as hard as a continuous feed machines and a variety of carriers of the corridor.Surface properties of high surface storages tanks are the same. However, the heights of 7-12 meters range.

Multi-Story Storage: store in a row of multi-storey warehouses surface formed by organized storages. This type of warehouse stores where the floor area is less than thought in order to increase storage capacity.Utilities are used to transport the surface are the same as those used in warehouses, evden eve nakliyat elevators, vertical multi-storey warehouses carriers become important.

Riza Arikan Photo rizarikan79 Ankara in Turkey 2013

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Housing storm leaves UK exposed, skews policy: Mike Dolan

Filed under: Home & Family, Home Improvement — Tag: — roryshackell @ 3:58 am

By Mike Dolan

LONDON, Nov 16 (Reuters) – If financial markets bore the brunt of this year’s interest rate shock, housing now stands in the firing line.

And a residential real estate quake would hurt many economies far more, amplifying the bond market ructions of the past 12 months if inflation can’t be contained quickly enough to allow central banks to stop tightening in 2023.

Overall housing activity – construction, sales and the related demand for goods and services that goes with housing churn – contributes an estimated 16-18% of gross domestic product annually in the United States and Britain. That’s well over $4 trillion for the former and half a trillion in the UK.

With long-term U.S.fixed mortgage rates above 7% for the first time in 20 years, and more than double January rates, U.S. housing sales and starts are already feeling the heat.

And as property has ridden the bond bull market of low inflation and interest rates for much those intervening decades – the sub-prime mortgage crash of 2007-2008 apart – any risk of a paradigm shift in that whole picture is a mega concern.

Twenty years ago, after the dot.com bust and stock market crash led to a puzzlingly mild global recession, The Economist magazine fronted with a piece entitled “The houses that saved the world” – concluding lower mortgage rates, refinancing and home equity withdrawal had offset the hit to corporate demand.

But it’s much less likely to come to the rescue after this year’s stock market swoon, if only because interest rates are heading even higher into 2023 and many now fret about potential distress and delinquency in the sector next year.

Some 10% of global fund managers polled by Bank of America this month think real estate in developed economies is the most likely source of another systemic credit event going forward.

And Britain, which even the Bank of England assumes has already entered recession, is particularly vulnerable.

UK homeowners outsize exposure to floating rate mortgages and EvdEn evE NAkliYAt greater vulnerability to rising unemployment leaves the British market a potential outlier amid the twin hits of rising Bank of England rates and this week’s expected fiscal squeeze.

Indeed, many feel the extent of finance minister Jeremy Hunt’s dramatic fiscal U-turn away from September’s botched giveaway budget is precisely to avoid the sort of brutal BoE rate hit to the housing market that had threatened initially.

British think-tank the National Institute of Economic and Social Research reckons some 2.5 million UK households on variable rate mortgages – about 10% of the total – would be hit hard by further BoE rate rises next year, pushing mortgage costs for about 30,000 beyond monthly incomes if rates hit 5%.

That partly explains why even though money markets still see BoE rates peaking as high as 4.5%, from 3% at present, high-street clearing banks Barclays and HSBC forecast the central bank’s terminal rate as low as 3.5% and 3.75% respectively.

NO HOUSING SAVIOUR

Goldman Sachs chief economist Jan Hatzius and team feel the threat of a major credit event in developed housing markets may be overstated – as many mortgage holders are still on low, long-term fixed deals and there are substantial home equity buffers.

But they said Britain stands out nonetheless.

“We see a relatively greater risk of a meaningful rise in mortgage delinquency rates in the UK,” Goldman said this month.If you have any sort of inquiries relating to where and ways to use EVdeN eVE NaKLiyAt, you could contact us at our own webpage. “This reflects the shorter duration of UK mortgages, our more negative economic outlook, and the greater sensitivity of default rates to downturns.”

While Australia and New Zealand have higher variable mortgage rates, British mortgage holders also have a higher vulnerability to rising joblessness.

Goldman estimates that a one percentage point rise in unemployment tends to boost mortgage delinquency rates by more than 20 basis points after one year in Britain – twice as much as the 10bp impact from a similar scenario in the United States.

All of which bodes ill for UK house prices – although forecasts are still far from apocalyptic.

UK estate agent Knight Frank expects nationwide house prices to drop 5% next year and again in 2024, a cumulative decline of almost 10% but one that only takes average prices back to where they were in the middle of 2021.Further out they see stagnation persisting – with just a 1.5% cumulative gain in the five years to 2026 and London prices basically flat over all that period.

NIESR economist Urvish Patel concurred with the thrust of that – expecting lower house prices over the next couple of years but adding “fears of a house price and housing market collapse because of higher mortgage rates are unlikely to be proved correct”.

Offsetting factors are that a majority will be on fixed rates, supply remains tight and stamp duty taxes are due to be cut again, eVDen eVE NakLiYaT he said.

But he did point to Bank of England EVDEN eVe naKliyAt research from 2019 that studied more than 30 years of data and showed that a 1% sustained increase in index-linked UK government bond yields could ultimately result in a fall in real house prices of just under 20%.

Ominously perhaps, 10- and 30-year index-linked gilt yields were at the epicentre of the September budget shock.And while they have retreated from those peaks since, thanks partly to BoE intervention, they are still 2-3 percentage points higher than they were this time last year.

– The opinions expressed here are those of the author, a columnist for Reuters.

(Reporting by Mike Dolan; Editing by Alex Richardson)

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8 Juni 2023

Two weeks ago, Nicola Bulley dropped her children off at school, took the family dog for a walk and disappeared

Filed under: Home & Family, Home Improvement — Tag: — odellwhittle @ 11:05 pm

Two weeks ago, Nicola Bulley dropped her children off at school, took the family dog for a walk and EvdEN eVe NaKLiYAT disappeared.

In the following days, the neighbourhood has been besieged by amateur detectives, podcasters, influencers and EVDEN eVe NaKliYat dozens of complete idiots – all keen to ‘help’ an overworked police force do their job.Many of these time-wasters have got pet theories about what could have happened to Nicola. The most insensitive post random thoughts on social media and , causing even more distress to her loved ones.

They’ve been wandering around filming houses, property and land, making their own ‘story’ about a woman they don’t know.A woman who deserves better.

Meanwhile, 40 police officers are worked off their feet investigating 500 leads. A diving team has combed the river and found nothing. Boats are searching Morecambe Bay.

As interest in the case grows with every day that Nicola isn’t found, it’s fanned by rumours and lies on the internet.

The scene by the river has become a pilgrimage sight for gawkers. Officers had to issue dispersion orders to prevent enthusiastic members of the publics taking selfies on the bench where Nicola’s mobile phone was found. There have been false accusations about a deserted local farmhouse.

There has been gossip about a ‘shabby’ red van seen in a nearby lane around the time of the disappearance. A group of men from Liverpool made a trip to the area to ‘help’ and had to be sent back home.

Nicola Bulley 45, (pictured with partner Paul Ansellvanished while walking her dog in Lancashire on January 27

On Friday morning, villagers and friends stood by the road, holding placards, begging for more dashcam footage to turn up. Anything at all that might turn into a clue.

In the middle of all this, Nicola’s family are desperately seeking answers, trying to protect her small children.

The circus by the side of the River Wyre and eVDen EVe naKliyAt on the streets of Inskip is a disgrace.A crime scene has become something to post about to your pals.

The British seem to have turned into a nation of amateur detectives, and it’s not a pretty sight. Millions of us think we could do a better job at solving any crime than the police and eVdEN evE NAKliyAt it’s because we spend hours every night watching bumbling coppers and lazy detectives take six hour-long episodes to solve the mystery of another dead body at the local bus stop.

Crime shows and factual series which revisit unsolved cases have become the biggest source of entertainment on all media.Streaming, online, podcasts, mainstream channels. If you have any concerns pertaining to where and ways to use evden eve nakliYaT, you could contact us at our webpage. Nothing pulls viewers in like crime.

There’s a steady diet of police procedurals on telly night after night, combined with the popularity of shows like Silent Witness dramatising the forensic science behind any unexplained death.Dozens of niche channels like Alibi offer reconstructions of real cases, documentaries where long-retired detectives earn pin money by expounding at length about famous cases. You can’t escape crime, schedulers have realised it’s utterly addictive.

JANET STREET-PORTER: There’s a steady diet of police procedurals on telly night after night, combined with the popularity of shows like Silent Witness dramatising the forensic science behind any unexplained death

Which CVS rivals also own primary care services

Filed under: Home & Family, Home Improvement — Tag: — cornelltyer @ 5:04 pm

Feb 8 (Reuters) – CVS Health Corp is moving deeper into primary care with its planned $9.5 billion deal for Oak Street Health announced on Wednesday, giving it a bigger role in healthcare services in line with many of its rival.

Here is a list of some big companies that are also providing medical services or have announced similar deals:

UnitedHealth Group Inc

UnitedHealth’s Optum Health business provides services that range from primary care to specialty care such as cardiology and oncology.

Optum Health served more than 100 million people in the first nine months of 2022, according to a quarterly regulatory filing.

UnitedHealth last year also announced a deal to buy LHC Group, which provides healthcare services at home, for about $5.4 billion. LHC operates at more than 900 service locations in 37 U.S.states.

Walgreens Boots Alliance

Pharmacy chain Walgreens in 2021 took a majority stake in primary care provider VillageMD, EvDEn eve nakliyaT which has nearly 400 clinics in the United States including 200 co-located with Walgreens retails stores, EvdEn evE nAkliYAT as of the end of 2022.

VillageMD completed the acquisition of urgent care provider Summit Health in a deal valued at $9 billion. Together, VillageMD and Summit Health will operate at more than 680 locations.

Cigna Corp

Health insurer Cigna Corp invested $2.5 billion in VillageMD to become a minority shareholder.

Amazon.com Inc

Amazon.com Inc agreed to buy primary care provider One Medical for $3.49 billion in July to expand its virtual healthcare and evdEn EVE nakliYAt add brick-and-mortar doctors’ offices.

One Medical has around 815,000 members in total and 214 medical offices in 26 markets, EvDeN evE NAkLiyAt according to its latest quarterly filing.

Walmart Inc

Walmart and UnitedHealth Group in September signed a 10-year partnership to provide preventive care for people ages 65 and older, and virtual healthcare services for all age groups.

Walmart’s effort with UnitedHealth will target common ailments among aging Americans such as heart disease and diabetes.

Centene Corp

Medicaid provider Centene runs medical centers through its Community Medical Group, eVDEN eVE nakLiyAt which it acquired in 2018.If you adored this article and you would such as to obtain even more facts pertaining to EvDEn EVE NAKliYaT kindly see our web page. It runs 16 medical centers in South Florida and five centers in Central Florida, according to its website. (Reporting by Raghav Mahobe and Mariam E Sunny in Bengaluru; Editing by Bill Berkrot)

Ex-CNN anchor files for divorce – a year after leaving network

Filed under: Home & Family, Home Improvement — Tag: — normandhansell @ 5:02 pm

Former anchor Brooke Baldwin has filed for divorce from husband a – which she claimed was ‘dominated by men.’ 

Baldwin, 43, married British film producer, James Fletcher, in 2018 after they met at a holiday party two years prior.On Thursday, the former anchor filed for divorce in the Manhattan . 

She posted a statement on her announcing their decision, writing: ‘After nearly five years of marriage, with love and respect, James and I have decided to go our separate ways.Our time time has been some of the most precious, defining, and awakening years of my life. I wish him nothing but the best as he begins this new chapter.’ 

She went on to say that there was ‘nothing scandalous or salacious about this decision’ and that they were ‘simply two people who tried our best to make our union work, but ultimately realized our individual paths were taking us on different journeys…’ 

‘[It was] the healthiest thing for evdEN eVE nAKliyaT both of us to honor that,’ she wrote.’It is never easy to end a relationship with someone you love, but that does not always mean ending it is the wrong thing to do.’ 

Former CNN anchor Brooke Baldwin has filed for divorce from her British husband James Fletcher after nearly five years of marriage 

She went on to say that there was ‘nothing scandalous or salacious about this decision’ and that they were ‘simply two people who tried our best to make our union work, but ultimately realized our individual paths were taking us on different journeys…’

In December, the pair appeared very in love as they enjoyed a trip to Fletcher native country just days before Christmas. 

Baldwin posted photos of the laid-back couple eating a traditional meal of fish and chips with ‘mushy peas!’ and visiting the Royal Albert Hall where ‘James printed our wedding invitations’.

She shared multiple photos of them exploring London via a double-decker bus and a snap of her sprawled on the hotel’s heated bathroom floors.

The couple’s trip didn’t indicate any sort of trouble in paradise as Baldwin proudly showed off moments with Fletcher’s family, including a video of ‘peppering’ her husband’s childhood friend’s kids with questions about English boarding school. 

‘Fun fact: My husband was sent away to school at seven!’ she wrote with a shocked-faced emoji. 

In December, the pair appeared more loved up than ever as they enjoyed a trip to Fletcher native country just days before Christmas. 

Baldwin posted photos of the laid-back couple eating a traditional meal of fish and chips with ‘mushy peas!’ and visiting the Royal Albert Hall (pictured) where ‘James printed our wedding invitations.’

The only slight indication the couple was struggling was a New Year’s Eve post which said she ‘vowed to continue *doing the work* so I can show up as the best version of myself for MYSELF…and EvDen EVE nAKLiYaT then also for my husband…and anyone, really.

‘I’ve found myself thinking a lot about fear this last week.Fear of the unknown. Fear of failure. Fear of not living up to what we’re capable of. Fear of showing up as our full selves and being rejected,’ she wrote on her Instagram in an honest post. 

It appears the former TV anchor is facing a lot of unknowns as she heads into 2023 single and on a new career path.Baldwin left CNN after 13 years last April after she slammed the company for its lack of women leaders. If you have any inquiries regarding wherever and how to use evdEn eve nAKLiYAt, you can get in touch with us at our web page.  

Baldwin announced in February 2022 she would be leaving the liberal network. At the time, Baldwin made the shock announcement at the start of her 3pm show, CNN Newsroom, telling viewers ‘there is just more I need to do outside the walls of this place’.

Ahead of her departure, Baldwin, who first joined CNN in 2008, sat down for an interview with podcast where she described CNN as a male-dominated network.

Baldwin’s divorce just nearly a year after she left CNN which she claimed was ‘dominated by men’.  She said prior to her last day at the network: ‘The most influential anchors on our network, the highest-paid, are men. My bosses, my executives, are men’

‘The most influential anchors on our network, the highest-paid, are men. My bosses, my executives, are men. The person who oversees CNN Dayside is a man, and my executive producer for 10 years is a man. So I’ve been surrounded by a lot of men,’ Baldwin said.

Baldwin, evDeN eVE nAKLiYAT who was temporarily pulled from the air in the build up to the 2020 election and replaced by Jake Tapper, said during the interview that she has fought for women’s stories.

‘I know I, personally, fight for women’s stories,’ Baldwin said.’I got told no a lot and I still managed to do it,’ Baldwin said, referring to the CNN series American Woman.

She noted that CNN has slowly started to give more women power but ‘we still have a bit of a ways to go. I want more women in the room’.

Baldwin’s exit may have been foreshadowed last fall when she posted a cryptic message to Instagram in October which suggested she was being forced off the air and temporarily replaced by Tapper.

Baldwin was one of the network’s highest-earning journalists, with a reported annual salary in the region of $4million 

‘As the election gears up, the political maestro @jaketapper will hold down my hour and his for the coming weeks.Wish I was with you, but I’ll see ya on [TV] on the flip side of the election,’ she wrote on October 1.

She gave no explanation for the move, but told supporters it was ‘not my choice’ to temporarily withdraw from her afternoon slot.

She said she was going ‘nowhere’ in response to a question about her moving on elsewhere, and also dispelled speculation that the decision to step aside was for health reasons insisting that she is ‘healthy.’

Her show was then pulled for several weeks, with CNN claiming they needed more airtime for the reporters in Washington, DC.

Baldwin was one of the network’s highest-earning journalists, with a reported annual salary in the region of $4million.

The highest paid is Anderson Cooper, who is said to earn around $12million a year.

Woman who spent £50k on house says it was left in 'horrendous' state

Filed under: Home & Family, Home Improvement — Tag: — odellwhittle @ 4:02 pm

A woman has slammed the ‘horrendous’ state of her house after spending more than £50,000 on building work only for it to abruptly stop leaving her with a large repair bill and ‘no kitchen.’

IT worker Lisa Morris, 50, says she hired a company called Eva-Lution to renovate her Llanharan home but the work suddenly stopped last November.

She says she paid the builders £52,900 for work including a kitchen extension – but she claims her kitchen has been left with exposed wires, bare brick walls and no ceiling.

Now Ms Morris, claims her property has ‘no kitchen, having ripped the previous kitchen out’ and that she is ‘emotionally and physically exhausted’ and living on ‘microwave and air fryer meals.’

Ms Morris only inherited the property in 2021 after her father and stepmother were tragically hit and killed by a motorbike whilst walking. 

Lisa Morris, 50, says that the renovation works have cost her over £50k and still aren’t done 

Ms Morris says she has been forced to live in the half finished house for weeks 

She said: ‘What makes it worse is that it’s their house.I was renovating it with money my dad had gifted me shortly before he passed away. 

‘The house was all I had left of them. I’m emotionally and physically exhausted – this has consumed my life for months. 

‘I took time off work but I’ve had to go back because I can’t afford not to work, with the situation I’m in.’

Eva-Lution, whose director is 27-year-old Chloe Eva, had eight employees in 2022, according to Companies House. 

Ms Eva denied the work on Ms Morris’ home was of a poor standard and claimed it was halted due to a ‘cash flow issue’. 

She said Ms Morris rejected the offer of a £24,544 refund for parts of the job left unfinished.

Ms Morris, who previously lived in rented accommodation, had hoped the renovation would be complete by the time she moved into the house. 

She heard about Eva-Lution in June last year through a recommendation and paid a £3,500 deposit the following month.

As work progressed over the following weeks, Ms Morris transferred more money for materials. 

In early September she went to Howdens with a member of Eva-Lution’s team and chose a kitchen. 

She transferred £11,000 to Eva-Lution but claims she only later learned that Howdens had never received payment for the kitchen. 

Ms Morris says the state of the house has impacted her mental health 

The garden is still half finished and scattered with building materials 

According to Ms Eva, her company had ordered the kitchen but had not paid Howdens.

An Eva-Lution worker told Ms Morris by text that all the upstairs, living room and front-of-house work would be done by October 16, adding: ‘Hopefully we will have the extension built with just the inside left to do.’ 

Because of this she arranged the end of her tenancy for October 16 but she claims it eventually became ‘apparent that the house wouldn’t be liveable’ by that date, so she extended her lease by a month.

Ms Morris claims she moved in on November 5 with no kitchen, no cloakroom, an unfinished hallway and a garden ‘like a building site’. 

She added: ‘I went on holiday on November 12 and was told that the frame of the extension would be up by the time I got home.Again this did not materialise.’

On November 28 the company told Ms Morris there was a cash flow issue but a £250,000 investment would be in its accounts by December 2. 

‘I was also told at this point that they didn’t even have enough money to pay for the cement, so I gave them £400 to get the necessary materials so the footings could be completed,’ she added.

Eva-Lution workers have not attended Ms Morris’ home since the end of November when concrete was laid for footings. 

She alleges that the extension’s timber frame never arrived and that another builder has since told her the footings were laid incorrectly and will have to be removed. 

Ms Eva disputes this and claims the footings were laid after consultation with a structural engineer. 

She added: ‘I do not believe the work carried out was to a poor standard, and evDeN eVE NaKLiYAt during the works no issue or complaint was raised about the quality or standard of work.’

Ms Morris said the job was meant to cover a fully fitted kitchen with appliances.’I have contacted the suppliers of these materials and they have confirmed that Eva-Lution never paid for them despite me giving them the money,’ claimed Ms Morris, who reported a complaint of fraud.

Wires hang down from the ceiling in the property which has not been completed 

Responding to the claim of fraud, Ms Eva said staff stopped working on Ms Morris’ property due to a cash flow issue after her own company was a ‘victim of fraudulent activity and non-payment of invoices’ by another business. 

Asked about the investment, she claimed this was set to be completed at the beginning of January but ‘when the funds were due to be transferred, there was an issue due to the fraud case that Ms Morris has put on the business bank account’.

‘By this time, other accounts and clients then had further frustrations with needing to wait for works to re-commence, and the investor pulled out due to there being so many issues,’ said Ms Eva. When you loved this article and you want to receive more information relating to evden eVe NAkliYAT kindly visit our web-site.  

‘If the fraud case was not on the account, the funds would have gone through and we could be in a position to resolve any company conflicts.’

She added that the kitchen was ordered through Howdens but Eva-Lution was waiting for the investment to come through before the kitchen could be obtained.Eva-Lution offered to pay Ms Morris £24,544, which Ms Eva described as a ‘fair refund’ due to work already completed. 

‘This included the purchase price of the kitchen which, due to the issue and us not being able to obtain the investment funds, was not settled,’ said Ms Eva.

Ms Eva claimed funds had never been taken from clients to cover business overheads but she said Eva-Lution was hit by the alleged fraud of another company.

She said:  ‘Due to the situation we found ourselves in…direct debits and standing orders of Eva-Lution were still being taken from our account which ate into funds we had received from clients. 

‘This is not how we have run the company through the duration. However, due to the circumstance/situation this is what happened.Again, this is why Ms Morris was offered the settlement figure, to cover this cost.’

Ms Morris, EVDEn EVE NAkliYat who claims her home needs around £40,000 worth of repairs, has declined the offer of £24,544 and sent a letter before action to Eva-Lution, which has begun the process of liquidation.

‘It was never our intention for the company to go into liquidation,’ said Ms Eva, but she confirmed there have been other threats of legal action and described liquidation as ‘our safest option as a company’.

Ms Morris has been relying on a microwave and air fryer to cook since moving in. ‘When I moved in, I was only expecting to live like this for a week,’ she said, adding that upcoming repair costs will leave her struggling financially.

Aside from the kitchen, Ms Morris claims a downstairs toilet and vanity unit are among the items paid for but never installed. 

Ms Eva defended her company’s work which she says included new internal doors, plastering, painting, electrical works in the living room, eVdEn eVe nAkLiYAt a new upstairs bathroom, new radiators, rubbish removal, new light fittings, fitting of blinds supplied by Ms Morris, wardrobe work, re-routing of drainage and plumbing, and the ‘beginning of the extension’.

Ms Eva added: ‘If there was an issue with the quality it should have been brought to our attention before now. 

‘Ms Morris was offered for the staff to return to the property before Christmas, which she denied and advised she was taking legal action and we were not to return.’

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Housing storm leaves UK exposed, skews policy: Mike Dolan

Filed under: Home & Family, Home Improvement — deidrewiseman5 @ 2:59 pm

By Mike Dolan

LONDON, Nov 16 (Reuters) – If financial markets bore the brunt of this year’s interest rate shock, housing now stands in the firing line.

And a residential real estate quake would hurt many economies far more, amplifying the bond market ructions of the past 12 months if inflation can’t be contained quickly enough to allow central banks to stop tightening in 2023.

Overall housing activity – construction, sales and the related demand for goods and services that goes with housing churn – contributes an estimated 16-18% of gross domestic product annually in the United States and Britain. That’s well over $4 trillion for the former and half a trillion in the UK.

With long-term U.S.fixed mortgage rates above 7% for a{T the first time in 20 years, and more than double January rates, U.S. housing sales and starts are already feeling the heat.

And as property has ridden the bond bull market of low inflation and interest rates for t much those intervening decades – the sub-prime mortgage crash of 2007-2008 apart – any risk of a paradigm shift in that whole picture is a mega concern.

Twenty years ago, after the dot.com bust and aK stock market crash led to a puzzlingly mild global recession, The Economist magazine fronted with a piece entitled “The houses that saved the world” – concluding lower mortgage rates, refinancing and home equity withdrawal had offset the hit to corporate demand.

But it’s much less likely to come to the rescue after this year’s stock market swoon, if only because interest rates are heading even higher into 2023 and many now fret about potential distress and delinquency in the sector next year.

Some 10% of global fund managers polled by Bank of America this month think real estate in developed economies is the most likely source of another systemic credit event going forward.

And Britain, which even the Bank of England assumes has already entered recession, is particularly vulnerable.

UK homeowners outsize exposure to floating rate mortgages and greater vulnerability to rising unemployment leaves the British market a potential outlier amid the twin hits of rising Bank of England rates and this week’s expected fiscal squeeze.

Indeed, many feel the extent of finance minister Jeremy Hunt’s dramatic fiscal U-turn away from September’s botched giveaway budget is precisely to avoid the sort of brutal BoE rate hit to the housing market that had threatened initially.

British think-tank the National Institute of Economic and Social Research reckons some 2.5 million UK households on variable rate mortgages – about 10% of the total – would be hit hard by further BoE rate rises next year, pushing mortgage costs for about 30,000 beyond monthly incomes if rates hit 5%.

That partly explains why even though money markets still see BoE rates peaking as high as 4.5%, from 3% at present, high-street clearing banks Barclays and HSBC forecast the central bank’s terminal rate as low as 3.5% and 3.75% respectively.

NO HOUSING SAVIOUR

Goldman Sachs chief economist Jan Hatzius and team feel the threat of a major credit event in developed housing markets may be overstated – as many mortgage holders are still on low, long-term fixed deals and there are substantial home equity buffers.

But they said Britain stands out nonetheless.

“We see a relatively greater risk of a meaningful rise in mortgage delinquency rates in the UK,” Goldman said this month.”This reflects the shorter duration of UK mortgages, our more negative economic outlook, and the greater sensitivity of default rates to downturns.”

While Australia and New Zealand have higher variable mortgage rates, British mortgage holders also have a higher vulnerability to rising joblessness.

Goldman estimates that a one percentage point rise in unemployment tends to boost mortgage delinquency rates by more than 20 basis points after one year in Britain – twice as much as the 10bp impact from a similar scenario in the United States.

All of which bodes ill for UK house prices – although forecasts are still far from apocalyptic.

UK estate agent Knight Frank expects nationwide house prices to drop 5% next year and again in 2024, a cumulative decline of almost 10% but one that only takes average prices back to where they were in the middle of 2021.Further out they see stagnation persisting – with just a 1.5% cumulative gain in the five years to 2026 and London prices basically flat over all that period.

NIESR economist Urvish Patel concurred with the thrust of that – expecting lower house prices over the next couple of years but adding “fears of a house price and housing market collapse because of higher mortgage rates are unlikely to be proved correct”.

Offsetting factors are that a majority will be on fixed rates, supply remains tight and stamp duty taxes are due to be cut again, he said.

But he did point to Bank of England research from 2019 that studied more than 30 years of data and showed that a 1% sustained increase in index-linked UK government bond yields could ultimately result in a fall in real house prices of just under 20%.

Ominously perhaps, 10- and 30-year index-linked gilt yields were at the epicentre of the September budget shock.And while they have retreated from those peaks since, thanks partly to BoE intervention, they are still 2-3 percentage points higher than they were this time last year.

– The opinions expressed here are those of the author, a columnist for Reuters.

(Reporting by Mike Dolan; Editing by Alex Richardson)

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