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architectnews · 4 years

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New UK Housing: British Housebuilding

New British Homes, Building New Homes in England, Building, Architect, Project, Image

New UK Housing: Housebuilding News

UK Residential Property Expansion + Housebuilding Issues: Reaction to Budget

30 Sep 2020

Impact Of Covid-19 on UK Housebuilding

New Figures Show Impact Of Covid-19 On Housebuilding Rates

Quarterly housing starts and completions lowest since 2000

Industry calls for assistance to construction sector

Wednesday 30 September 2020 – The number of new build homes started or completed in England between April and June 2020 fell to their lowest levels since the year 2000as Covid-19 hit the construction industry, according to new figures published today.

The figures also show, despite Covid, a longer-term decline in housing starts and completions, with the number of homes started or completed in the year to June 2020 also showing a sharp fall.

According to the Ministry of Housing, Communities and Local Government, the indicators of new housing supply figures should be regarded as a leading indicator of overall supply.

They show:

The number of dwellings where building work has started on site was 15,930 in April to June 2020 – a 52% decrease when compared to the last quarter. It also follows a recent trend of a slowdown in growth with six of the last six quarters showing a decrease. Starts are 67% below their March quarter 2007 peak and are 7% below the previous trough in the March quarter of 2009. It is the lowest quarterly starts figure in the seasonally adjusted time series (which begins in the year 2000).

There were 121,630 estimated new build dwellings starts in the year to June 2020, a 26 per cent decrease compared to the year to June 2019.

The number of dwellings completed on site was 15,390 in April to June 2020. This is a 62% decrease compared to the last quarter and 64% below their level in the same quarter a year ago. Completions are now 67% below their peak in the March quarter 2007 and 37% below the previous trough in March quarter 2013. It is the lowest quarterly completions figure in the seasonally adjusted time series (which begins in the year 2000).

An estimated 147,180 new build dwellings were completed in the year to June 2020, a decrease of 15 per cent compared to the year to June 2019.

Clive Docwra, managing director of property and construction consultancy McBains said:

“Today’s statistics bear out the huge impact that Covid-19 – and in particular the Spring lockdown – has had on housebuilding rates.

“The government target of building a million new homes in the new five years was always going to be a steep challenge, but the pandemic has dealt a heavy blow to that ambition.

“The industry is now facing a double-whammy – trying to recover from the impact of Covid but also suffering from the uncertainty over a Brexit deal – with investors holding off putting money into new developments until the picture on a withdrawal agreement becomes clearer.

“The Government will no doubt point to its recent planning White Paper as the answer to building more homes, saying that it will mean ‘permission in principle’ will be given to developments on land designated for renewal to speed-up building, but the uncertainty and resulting fluctuating values driven by Covid and Brexit are reducing the incentive on developers to build in the short term.

“The government could address this by temporarily staggering or deferring Section 106 planning obligations – where developers are asked to provide contributions for community infrastructure – so that developers are encouraged to complete housebuilding projects as soon as possible.”

13 August 2020

UK Residential Market News

Rental Sector Strength Comment

We post comment below in response to the RICS monthly residential market survey.

Elisabeth Kohlbach, CEO of Skwire comments: “Doom and gloom surrounding the news that the UK residential market is set for a ‘bust’ in the coming months overlooks a bright spot in a major segment of the residential market – the rental sector.

“The PRS sector is a growing part of the UK’s housing mix and the demand for this part of the market is not going away. Moreover, with lenders introducing a range of restrictions to cope with the spike in demand for mortgages following the announcement of stamp duty relief, many would-be buyers are struggling to get on the ladder and will no doubt turn to the rental market once again.

“While traditional destinations for BTR investors, such as London, may no longer be as attractive as remote workers flock to towns and cities beyond the capital, investors should look to the regions, which offer an exciting and untapped opportunity. Institutional investors should look beyond the traditional high density city-centre developments and seize the opportunity to tap into a rich pool of existing stock across the UK.”

7 August 2020

UK house prices rise in July

Halifax House Price Index for July 2020

Halifax has this morning released its House Price Index for July, showing that house prices have risen month-on-month and year-on-year in reaction to the Stamp Duty Land Tax holiday introduced earlier in the month.

While this is positive news for the sector, can this momentum be maintained?

Jamie Johnson, CEO of FJP Investment “Today’s House Price Index shows that the stamp duty holiday is having its desired effect, encouraging buyers and sellers to make a cautious return back to the property market. The release of pent-up demand is driving up house prices, slowly making up for the losses that were incurred at the height of the pandemic.

“The big question now is whether this initial burst in activity can be maintained over the next few months. Will house prices continue to grow; or will the momentum fizzle out? There is no clear answer at present. Nonetheless, today’s House Price Index makes the case for cautious optimism.

“Importantly, I do not believe the coronavirus has dampened investor demand for UK real estate. Property’s resilience and ability to quickly recover any losses in value in times of crises makes it a top asset class for both domestic and overseas buyers. Once there is greater certainty about the future of COVID-19 and the post-pandemic recovery, I anticipate buyer demand to return in full force.”

8 July 2020

UK Stamp Duty Changes

8 July 2020 Chancellor’s ‘mini budget’ for green jobs misses mark on transport and housing, says to CPRE

Commenting on the Chancellors ‘mini budget’, Tom Fyans, campaigns and policy director at CPRE, the countryside charity, said:

‘While we have seen promising starts on energy efficiency and shoring up rural hospitality businesses, the Chancellor has missed major opportunities to begin building back better when it comes to transport and housing investment.’

Read more at UK Summer Statement Response

8 July 2020 RIBA reacts to Chancellor’s ‘Plan for Jobs’

“The RIBA has long advocated for a ‘green’ post-COVID recovery, so I welcome the Chancellor’s efforts to put sustainability front and centre of today’s announcements.”

Read more at RIBA UK News

8 July 2020 UK Stamp Duty Changes

View from Metropolitan Thames Valley Housing on the stamp duty changes:

Kush Rawal, Director of Residential Investment from Metropolitan Thames Valley Housing comments: “We welcome the Chancellor’s stamp duty holiday, which makes shared ownership homes an even more attractive option for people looking to own their own home. Removing stamp duty from almost all initial share purchases means that key workers will be able to buy a shared ownership home with as little as two months of rent as their deposit.”

6 July 2020

Is ‘build build build’ best for England’s planning system?

Alister Scott, Professor of Environmental Geography and an expert in urban planning and infrastructure, writes for The Conversation on proposals to change the UK’s planning system.

English Planning System

18 Jun 2020

Timber Frame: Accommodating The Differential

With sales of timber homes and buildings heading towards £1bn in the next 12 months*, Andy Swift, sales and operations manager, UK & ROI for ISO-Chemie, considers sealant tapes for timber frame structures and accommodating differential movement:

New UK Timber Frame Building

3 Jun 2020

UK Architects welcome landmark ARCO Report

We post comments from Mark Rowe, principal at Penoyre & Prasad and Félicie Krikler, director at Assael Architecture in support of ARCO’s landmark report launched earlier today:

Mark Rowe, principal at Penoyre & Prasad, said: “This research highlights the shift towards a more collective way of living – integrating purpose-built accommodation with access to healthcare and facilities that can help maintain independence.” – read more at:

Too little, Too late? Housing for an ageing population

26 Mar 2020

Housebuilding Rates Fall – Even Before Coronavirus Impacts

Thursday 26th of March 2020 – The number of new build homes started and completed in the last quarter of 2019 fell below government targets, according to new government figures published today – and the industry says the coronavirus pandemic is set to impact these further.

According to the Ministry of Housing, Communities and Local Government, the new build dwellings figures should be regarded as a leading indicator of overall housing supply.

Today’s figures show that:

On a quarterly basis, new build dwelling starts in England were estimated at 34,260 (seasonally adjusted) in the latest quarter, an 11 per cent decrease compared to the previous 3 months and a 17 per cent decrease on a year earlier. Completions were estimated at 44,980 (seasonally adjusted), a 1 per cent decrease from the previous quarter and 3 per cent higher than a year ago.

Annual new build dwelling starts totalled 151,020 in the year to December 2019, a 10 per cent decrease compared with the year to December 2018. During the same period, completions totalled 178,800, an increase of 9 per cent compared with last year

All starts between October and December 2019 are now 99 per cent above the trough in the March quarter 2009 and 30 per cent below the March quarter 2007 peak. All completions between October and December 2019 are 78 per cent above the trough in the March quarter 2013 and 7 per cent below the March quarter 2007 peak.

Clive Docwra, Managing Director of leading construction consulting and design agency McBains, said:

“The government’s ambitious housebuilding target – delivering a million homes in the next five years – was always going to be extremely challenging, and the latest statistics bear this out. However, the impact of the COVID-19 pandemic will mean this is now virtually impossible.

“Many sites are empty, supply chains have been disrupted and multi-million pounds worth of private investment is on hold for the foreseeable future. That will knock back housebuilding rates months, if not years.

“The government has already announced an unprecedented package of measures to help support business, but once we’ve turned the tide on the virus further help, such as tax incentives, will be needed to get the UK building again.”

Previously on e-architect:

24 Nov 2017

UK Housebuilding Policy

UK Government Approach to Housing Shortage – Budget Reaction

The UK Chancellor announced a raft of measures aimed at significantly increasing levels of home building and “reviving the British dream of home ownership”.

Key amongst the Chancellor’s statements were the abolition of Stamp Duty Land Tax on homes under £300k for First Time Buyers, £15.3 billion of new financial support for house building over the next five years (which includes money for the government to buy land as well as delivering supporting infrastructure) and more money to help SME builders.

This is in addition to the £10bn extra funding already announced for the English version of the Help to Buy shared equity scheme.

Some reactions to this week’s UK Budget from key built environment representatives:

“In essence the abolition of Stamp duty is the kind of sweeping move we needed to provide hope at the bottom end of the market and hopefully helping towards the aspirational 300K homes per year. As an employer, seeing younger architects get a foothold on the housing ladder is a strong hope and this is surely a welcome hand-out to bring the youth vote around for the Conservatives.

We would like to see more certainty on how the £44Bn figure to aid housebuilding will actually materialise into capital expenditure from Central or Local Government. The budget won’t solve the disconnect in planning, unless some of that cash is pumped into increasing resources in planning departments.”

Graham Hickson-Smith, Commercial Director, 3DReid

“It’s good to see the government taking the housing crisis seriously with the final quarter of the speech devoted to this one subject, an impressive commitment to extra spending of £44bn over five years and the headline grabbing finale of the reduction in stamp duty. The devil though will, as always be in the detail.

The lifting of HRA caps is good in principle but there are no details at all, while the £34m for skills training sounds like a drop in the ocean when we are faced with a huge likely loss of construction workers post-Brexit. Other measures announced include the review to be chaired by Oliver Letwin which may, helpfully, lay to rest the myth that land banking is a serious problem – most developers being concerned to turn over their capital as fast as possible rather than tie it up in dormant sites.

Finally there is the reduction in stamp duty for first time buyers, which will undoubtedly appeal to younger voters, but the same measure would probably be much more effective, economically, as an incentive to retired people to downsize, releasing under-occupied houses into the market.”

Richard Morton, Richard Morton Architects

“We really welcome the Chancellor’s moves to boost the supply of badly-needed new homes. Policies which aim to lower the cost of land and bring forward more building sites, particularly in urban areas well served by public transport, are good news – and preferable to policies which make it easier for some people to afford high house prices.

But all of this new housing needs to be sustainable, in environmental terms, and here the government’s policies are seriously lacking. It wants five new garden cities, but has said virtually nothing about what defines them.

The Budget has not addressed the critical need for green and low-carbon infrastructure and low-impact homes, not just on green fields, but everywhere. Nor has this budget addressed the need to upgrade and retrofit millions of our existing energy-inefficient homes.”

Sue Riddlestone OBE, Chief Executive of Bioregional

22 Jan 2016

UK Housing Expansion

Homebuilding in Great Britain

The Ministry of Defence has put 12 sites on the block to provide land for up to 15,000 new homes.

Government Defence Minister Mark Lancaster said the land sale was expected to raise £500m, which will be ploughed back into frontline defence budgets, reports https://ift.tt/19warTM.

The sale is the first tranche of more ambitious plans to support the government’s ambition to build 160,000 homes by 2020.

The MOD, which owns around 1% of all UK land, plans to slash the size of its built estate by nearly a third, with its current holdings stretching to 452,000 hectares.

As part of that plan, the Ministry has committed to generating £1bn through land sales during this parliament and contributing up to 55,000 homes.

Imber in Wiltshire, on Salisbury Plain, England “was evacuated in 1943. The village, still classed as a civil parish, remains under control of the Ministry of Defence”: photograph © swns.com

Ministry of Defence Estate Sell-off MoD estate sell-off – tranche 1 12 sites placed on the market:

– Kneller Hall in Twickenham – Claro and Deverell barracks in Ripon – RAF sites Molesworth and Alconbury in Cambridgeshire, and Mildenhall in Suffolk. – Lodge Hill in Kent – Craigiehall in Edinburgh – HMS Nelson Wardroom in Portsmouth – Hullavington Airfield in Wiltshire – RAF Barnham in Suffolk – MOD Feltham in London

The MOD will announce further sites in due course, with a full list published in the Footprint Strategy later in 2016.

Link: https://ift.tt/1JetyUF

photograph © swns.com

British Houses

UK Government Housing Policy

UK Government Design Advisory Panel – New Housing Design Quality

Chair of RIBA Housing Group, Andy Von Bradsky, represented RIBA this week on the government’s Design Advisory Panel. The panel was set up under the coalition government and has been re-formed by the current government to advise on key policy issues, reports the RIBA.

The RIBA has welcomed the Prime Minister’s announcement that a Design Advisory Panel is being set up to ‘set the bar on housing design across the country’ and is looking forward to working with other panel members.

David Cameron announced the creation of the panel this week when he confirmed the go ahead for a new Starter Homes scheme, though the panel will inform government policies on housing design nationally.

Fleet Street Hill Housing in London by Peter Barber Architects: image from architect

The DCLG has already confirmed that panel members will include Sir Terry Farrell, classicist Sir Quinlan Terry and philosopher Roger Scruton alongside nominated representatives from the RIBA, RTPI, Design Council and Create Streets.

The panel will be chaired by ministers, so there are high hopes that it will have a genuine influence on policy. The Government says the panel will act as a sounding board, so that the housing and design industry can discuss policy issues with ministers and senior government officials. Its remit will cover:

Emerging housing and planning policy to ensure that good design is considered and embedded from the outset. Delivery of housing and planning policy to ensure that good design is achieved through Government’s programmes. Emerging industry issues and barriers to good design in housing delivery.

Inspiring design of Grand Large Housing Dunkirk: photo from ANMA/Agence Nicolas Michelin & Associés

‘We welcome the response from Government to the Farrell review and our own recommendation to have more design advice available to Government when shaping policy.’ said RIBA Head of External Affairs Anna Scott-Marshall.

‘It is encouraging that the Government, industry and other professionals will work in collaboration to ensure that we build the right kinds of homes in the right kinds of places.’ Farrell is also enthusiastic and said the panel has the potential to make a real difference.

‘It builds on the recommendations of the Farrell Review (https://ift.tt/JuZyFn), which highlighted the need for more proactive planning and better placemaking as we attempt to address the housing crisis, with radically higher priority given to landscape, sustainability and the public realm.’

Stadthaus at 24 Murray Grove, London, by Waugh Thistleton – constructed entirely in timber, the nine-storey high-rise is the tallest timber residential building in the world

Stadthaus photo : Will Pryce Murray Grove Housing

Interesting link:

Imber village on Salisbury Plain under control of the Ministry of Defence

UK Housing Links:

Housing Crisis

New London Housing

British Homes

British House Designs

English Architecture:

English Architecture Designs – chronological list

Location: UK

Contemporary British Homes

Recent British Home Designs

Black House, Kent, South East England Architect: AR Design Studio image courtesy of architects Black House in Kent

A House for Essex, Essex, South East England Design: FAT Architecture and Grayson Perry photograph : Jack Hobhouse A House for Essex

Balancing Barn, Suffolk, South East England Design: MVRDV photo : Living Architecture Balancing Barn Suffolk

Hurst House, Buckinghamshire, Southern England Design: John Pardey Architects with Ström Architects photo : Andy Matthews Buckinghamshire Property

Contemporary North European Homes

Recent North European Houses

Danish Houses

German Houses

French Houses

Comments / photos for the New UK Housing Shortage – Current British Housebuilding page welcome

The post New UK Housing: British Housebuilding appeared first on e-architect.

#e-architect

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micaramel · 4 years

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Artist: Sharif Waked

Venue: CCA Tel Aviv

Exhibition Title: Sharif Waked: Balagan

Date: February 18 – June 20, 2020

Curated By: Nicola Trezzi

Click here to view slideshow

Full gallery of images, press release and link available after the jump.

Images:

Videos:

Sharif Waked, Just A Moment No. 4 (Away From You), 2011. Video, 00:01 min (loop), 16:9 (widescreen), black and white, silent, 28:36

Sharif Waked, Just A Moment No. 21 (Shit), 2018. Video, 00:06 min (loop), 16:9 (widescreen), color, silent, 08:31

Sharif Waked, Bath Time, 2012. Video, 02:12 min, 16:9, color, sound

Sharif Waked, Just A Moment No. 19 (Nimrod), 2018. Video, 00:30 min (loop), 16:9 (widescreen), color, sound, 05:38

Sharif Waked, Just A Moment No. 17 (Smiley), 2016. Video, 02:16 min (loop), 16:9, color, silent

Sharif Waked, MoM – Museum of Mosul, 2017. Video, 03:30 min, 16:9 (widescreen)

Sharif Waked, Just A Moment No. 5 (Jericho First), 2012. Two-synchronized-channel video, 00:01 min (loop), 16:9 (widescreen), color, silent

Sharif Waked, Contribute A Better Translation No. 1, 2011. Video, 04:50 min (loop), 16:9 (widescreen), color, sound

Sharif Waked, Just A Moment No. 15 (Pa-Pa- Pa), 2016. Video, 02:16 min (loop), 16:9, color, sound

Sharif Waked, Beace Brocess No. 5, 2012. Video, 01:28 min (loop), 16:9 (widescreen), color, sound, in artist frame, 37.5 × 47 cm

Images courtesy of CCA, Tel Aviv

Press Release:

Through sustained reflection on aesthetics and politics, Sharif Waked (*1964, Nazareth; lives and works in Nazareth and Santa Barbara, California) has consistently pierced the absurdities of reality with playful and estranged encounters between various temporalities, cultural-historical products, and political events. On the occasion of his solo exhibition at CCA – Center for Contemporary Art Tel Aviv, the artist adopted the word Balagan, as its title. This word, which means chaos, disarray and confusion, originally comes from the Persian word “balchan” and it traveled across borders to other languages such as Russian, Yiddish, Lithuanian and Hebrew. Following the artist’s unique modus operandi – which is rooted in the conception of single artworks, often based on appropriated images, which are then “incarnated” (and numerated) several times through different media, formats and techniques – the exhibition includes both existing and recent pieces, linking different bodies of Waked’s work over time.

Just A Moment No. 4 (Away From You) (2011), appropriates footage featuring the Egyptian singer Umm Kulthum, while she sings her iconic song Away From You, focusing on the stamping of her left foot just underneath the dress scraping her heal. While in Bath Time (2012) the artist restaged what would be the end of the day for the “zebra” – in fact a donkey disguised as a zebra – of the Zoo in Gaza, in Just A Moment No. 21 (Shit) (2018), outtakes of the aforementioned work shows its star performing the mainstays of everyday life: eating and shitting.

In Just A Moment No. 19 (Nimrod) (2018) Yitzhak Danziger’s iconic sculpture Nimrod meets the mosquito that in the Islamic narrative entered Nimrod’s ear and made their way into his brain to drive him mad, while in Just A Moment No. 17 (Smiley) (2016) an army of contemporary emojis struggle to save their smiling ancestor from destruction. Who are you? (2014) are twelve abstract figures based on Muammar Gaddafi’s outfits, titled after a fragment of the last speech of the late Libyan leader, in which he promised to hunt his opposition down to the last alley; in Tugra No. 5 (2013), the artist infiltrates Israeli soldiers’ most common directive in Hebrew-inflected Arabic – “rukh min hun!” [Get out of here!] – inside the sixteenth century calligraphic monogram (tughra) of Suleiman the Magnificent.

Crop Marks (2016) sees the artist’s self-portrait in an orange suit subjected to the print-house’s “guillotine,” cut at his neck and along the crop marks of printing and design conventions, whereas in MoM – Museum of Mosul (2017) the footage of ISIS’s destructive actions is reproduced as a promotional film for a now-rebranded museum. While in Contribute A Better Translation No. 1 (2011) an archive of slogans of the Palestinian struggle undergo mechanized translation against a backdrop of visual iconography, in Contribute A Better Translation No. 2 (2011) the Palestinian Declaration of Independence, written by Mahmoud Darwish, is transformed into Yiddish via Google Translate.

Just A Moment No. 15 (Pa-Pa-Pa) (2016) is based on the claim of Israeli criminologist and politician Anat Berko, who said there is no Palestine because there is no P in Arabic, and in Beace Brocess No. 5 (2012) a clip from the Camp David II 2000 peace talks is refracted into the era of silent film. In Just A Moment No. 5 (Jericho First) (2012), the Oslo Agreements of the 1990s meet a detail of a mosaic from the eighth century Umayyads Caliphate. Search (2016), exposes the questions haunting Google Israel, whereas in Jamal Al Mahamel (2016) the barefoot carrier lifting the weight of Jerusalem on his back depicted in Suleiman Mansour’s eponymous work is absent and the city gives to gold dots.

Balagan is also the title of a work on display in the exhibition. It is part of the series Arabesque (2016-ongoing) and in it along with the series dot.txt (2016-ongoing) – Waked disassembles the building blocks of images to reconstruct what appear as geometric abstract surfaces. In these series, Waked questions the division between the visual and the verbal, perception and deception, the visual traditions of the past and the digital manipulations of the present, to deliver in a rather formalistic fashion the questioning, breaking, and remaking of meaning. Following these premises, the exhibition offers a bird’s eye view of Waked’s art, surveying his work as a comprehensive whole.

“Sharif Waked: Balagan” is curated by Nicola Trezzi and it is accompanied by a printed matter in Hebrew, Arabic and English. The exhibition is supported by Mifal HaPais Council for the Culture and Arts. Hospitality kindly provided by OUTSET.

Link: Sharif Waked at CCA Tel Aviv

from Contemporary Art Daily https://bit.ly/3cPmGNL

#micaramel

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vegas-glitz · 5 years

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The Coast Is Not Clear - Signs of an Impending Major Stock Market Crash

http://topicsofnote.com/?p=5522&utm_source=SocialAutoPoster&utm_medium=Social&utm_campaign=Tumblr

Despite the recent correction, and regardless which popular metric you use; PE, Shiller's CAPE Ratio, or Buffett's Market to GDP comparison; this is one of the most expensive markets since 1923. The other two were the 1929 and 2000 markets and we know how those turned out. Incidentally, 1923 was the year the "Composite Index" was introduced, the S&P 500's precursor.

The record shows that, while stock prices can continue at elevated levels for a long time, they eventually reverse to the mean. That can happen in one of two ways. Either the market goes sideways for a long time until earnings catch up, or there is a sharp drop to bring prices in line with historical PE ratios - a reversal to the mean. History has shown that investors are not a patient bunch. They will put up with a sideways market for a while, but eventually they will tire of meager returns and put their money to work where they believe will yield greater gain potential. Once that ball gets rolling, the market exits en masse and a severe bear market takes hold. The upshot: there is a big market drop in store.

The question is when and was this past correction a hic-up or a prelude to the big plunge. A study of major bear markets indicates the latter is more likely. Indeed, a review of 28-plus -percent market drops since 1923 reveals there is always a preamble to every major bear market. Some folks are under the mistaken impression that stock market crashes occur at market tops. That is far from the truth.

The stock market may well be fickle, but providence is kind. It always gives us advance notice of a coming crash, grabbing our attention amidst our complacency with a surprise drop and providing an opportunity to get out before it crashes in earnest. This is shown in the analysis below for each of the following major bear markets (28% decline or more): 2007, 2000, 1987, 1973, 1968, 1962, 1946, 1937, and 1929. Intraday prices and daily closes are only available for the S&P 500 from 1950 on. Therefore, Dow Jones Industrial Average closes were used for the markets before that.

2007 The initial top for the 2007 market came July 17 when the S&P 500 had an intraday high of 1555.90. The index would drop the next week and eventually settle to an intraday low of 1370.60 a month later on August 16 - a drop of 11.9%. Henceforth, all highs and lows are intraday unless otherwise stated. The market would climb for seven weeks to reach a market top for the index of 1576,09 October 11, 2007 - 1.3% higher than its previous high. An initial 5.5% dip was followed by a quick recovery to 1552.76 October 31, before succumbing and dropping 10.8% to a low of 1406.10 November 26, 2007. The index would recover to a high of 1523.57 and continue on a series of lower lows and highs until its nadir of 666.79 March 9, 2009 for a 57.7% decline.

2000 The 2000 market gave plenty of warning before the Dot.com plunge. The market faltered right after opening the New Year January 3rd. After reaching a high of 1478, the S&P 500 dropped to 1455.22 at the close. It dropped below 1400 the next three days and recovered to 1465.71 - the high January 20, 2000. From there it did a roller coaster ride down to the 1329.15 low of February 25 - a 10.1% drop from its high thus far. The market finally climaxed at 1552.87 March 24, 2000. It would drop precipitously April 14 to a low of 1339.40 - a 13.7% drop - but then slowly recovered to 1530.09 by September 1, 2000, only 1.5% below its all-time high. Thereafter it steadily went down with some sharp drops followed by rallies but only to the downtrend line. The market bottomed at 775.80 October 9, 2002 for a 50.1% decline.

1987 The 1987 bear market was a swift one. After vacillating to a high of 337.89 August 25, 1987, the S&P 500 dropped to 308.58 by September 8 - an 8.7% hit. It quickly recovered to 328.94 by October 2, only 2.6% down from its high. It wobbled to a close below 300 October 15 before crashing the next Monday to close at 224.84 - a loss of 20.5% for that day. It would close lower December 4, 1987 at 223.92 but the low point for the move came the day after the plunge, October 20, when it dipped to 216.46 for a loss of 36.0% from the August high.

1973 This, along with the 1968 bear market, were part of the mega bear market that spanned 1967 - 1982. The S&P oscillated within the 100 and 110 range for most of the year. It cleared the 110-barrier in late summer only to dip below it again before making its final surge as the year closed. It peaked at 119.79 December 12, 1972 and then dropped 4.3% to 114.63 December 21, 1972. The New Year propelled the index higher reaching a top of 121.74 January 11, 1973 - a 1.6% gain from the previous high. It quickly dropped to 111.85 by February 8 and then proceeded to careen downward over a series of bumps until hitting bottom at 60.96 October 4, 1974 - a 49.9% loss.

1968 After an initial drop to start the year, the market climbed steadily from March through November finally topping December 2, 1968 when the S&P 500 maxed out at 109.37. The index dropped to 96.63 by January 13, 1969 (an 11.6% drop), fizzled in its rally coming within 0.43 points of the low March 17, and then rallied all the way up to 106.74 May 14, 1969. After coming within 2.4% of the top it succumbed finally hitting bottom...May 26, 1970 at 68.61. That was a 37.3% haircut.

1962 The stock market steadily climbed from October 1960 to December 1962 when the S&P 500 topped out at 72.64 December 12, 1962. Then it dipped to 67.55 January 24, 1963 for a 7.0% loss. The index quickly went back to 70 the next week and eked out a small gain the next month finally peaking at 71.44 March 15, 1.7% below the high. Thereafter, the index plunged to 51.35 June 25, 1962 for a 29.3% decline.

1946 The market had been on a tear since the latter part of World War II and started 1946 the same way gaining 8% by February. Intraday highs and lows for the S&P 500 were not available for the analysis so, hereafter, Dow Jones Industrial Average closes will be used. The Dow Jones closed at 206.61 February 5, 1946. The index then plunged 10% to close at 186.02 February 26. It quickly recovered its previous high and surpassed it on a bucking horse ride up to 212.5 May 29, 1946 - a 2.9% gain from its previous high. The bumpy ride continued until August when the index reached 204.52 on August 13 and then fell in exhaustion finally closing at 163.13 October 9, 1946 for a 23.2% decline. Despite a number of rally attempts, the market would continue to struggle until February 1948 with a maximum loss of 28%.

1937 After a precipitous drop from 1929 to 1932, the market seemed to be on recovery mode until it plateaued in early 1937. The Dow Jones closed at 194.4 March 10, 1937 to mark the end of the uptrend. The index then drifted lower for three months until bottoming June 14, 1937 at 165.51 for a 14.9% loss. It spent the next two months on a steady climb eventually topping at 189.34 August 16, 2.6% below the previous high. That was its last hurrah as the market plunged 49.1% to its 98.95 March 31, 1938 Dow Jones close.

1929 Much like the 2000 market, the Big Crash of '29 gave plenty of warning. After going sideways for the first half of the year, the market went through a 10.0% correction when it swanned from a 326.16 Dow Jones close May 6 to 293.42 May 27. Thereafter, it rose undaunted until reaching the market top close of 381.17 September 3, 1929. It drifted lower, slowly at first, but then gained momentum until reaching a low point Friday, October 4 with a 325.17 Dow Jones close - a 14.7% loss. It made a mad dash effort to recover the next week but was only able to manage a 352.86 close October 10. At 7.4% lower than the September high, this was the lowest percentage close to a previous high of any of the major bear markets. Then again, this was the granddaddy of all bears. Ten trading days later, on October 24, the index closed below 300. It dived Monday, October 28 and again the next day closing at 230.07. The market continued its plummet until eventually reaching bottom July 8, 1932 when the Dow Jones closed at 41.22 for a record 89.2% decline.

Conclusion

Historical data shows that every major bear market since 1923 always provided investors with a warning. After seemingly peaking, they went through a significant decline before rising again only to plummet thereafter. In two instances, 2000 and 1929, it gave two warnings; the first a correction months before peaking, and the second after peaking.

Declines after the initial peak ranged from 14.9% to 4.3% with an average of 10.8% and a median of 11.6%. In three out of the nine cases, 2007, 1973 and 1946, the second peak was lower than the first. The range was from a loss of 7.4% to a gain of 2.9% with an average of -1.4% median of -1.7%. Taking out the 1929, 7.4% outlier, the average was -0.63% and the median -1.6%. The time between the two peaks ranged from 30 days to 5.4 months with an average of 96.7 days and a median of 93 days.

Starting from the premise we are in the beginning stages of a major bear market, and having gone through a 10% correction, what is in store for us? Surveying the data, it turns out we are average. There seemed to be no relationship between the severity of the bear market and the time lapse between the two peaks. However, five out of the six times the market went through a bonafide correction, 10% or more, it took months, between 2.9 and 5.4 months, for the market to top and begin its downturn in earnest. The notable exception was the Crash of 1929, which only took 37 days between the first and seconds peaks. Although there was no consistent pattern for depth of the initial decline and the total decline, it is notable that the four largest initial drops led to declines of 49% or more - a level only achieved by the 1973 bear market after only a 4.3% decline. There is no discernible relationship between the initial decline and second peak level, nor the total decline and second peak level.

It could be that Morgan Stanley's prediction this Monday, that a slowdown may loom starting in the second quarter, may be correct. We have already gone above the -7.4% level from 1929, so it would seem this market does not correlate all that well to that one and the wait to the next decisive peak will be measured in months. Regardless, I would caution all to watch the market's advance very carefully. If the S&P 500 gets within 2.6% of the 2872.87 January 26 top, i.e. 2798, that is your signal to exit the stock market. No sense being greedy about the last 1 or 2 percent gains and risk losing much more.

Source by Karl De Jesus

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swipestream · 5 years

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Sensor Sweep: Classics, Steve Tompkins, Queen of the Black Coast, Gun Ghoul

Culture (Legends of Men): The primary professional association for classicists is the Society for Classical Studies. This was formerly called the American Philological Association. Mary Frances Williams, a Ph.D. in classics, former professor, and an independent researcher, decided to attend this year’s annual conference. There, she witnessed first hand how the classics field is becoming a vehicle for social justice (a.k.a. Marxism). The SCS, as well as academics across the country (and presumably across Europe), is accomplishing this on multiple fronts.

Fandom (Don Herron): Hard to believe it was ten years ago today when Steve Tompkins punched his ticket. Only 48 years old, hospitalized for food poisoning after hitting Burger King, then out of the blue a heart attack. If they can’t handle a heart attack when you’re already in the hospital, game over.

Fiction (John C. Wright): Many a fan, this one included, calls Queen of the Black Coast the finest of the Conan stories, in part because of its legendary scope, in part because of its lurid romance, it passages of lyrical poetry, its vivid and bloody battle-scenes, the sense of mystery and adventure, the chilling eldritch visions of ancient eons and shades of the dead, the Viking funeral at the end.

The writing excels on three levels: first, striking characterization gives life to an intimate and tragic romance; second, lyrical world-building conjures a vision of a lost age, cruel but not without its savage beauties; third, a deep and even grim theme dignifies what would otherwise be a mere boy’s adventure tale with adumbration of deep time and an almost Norse melancholy touching the brevity of life, the indifference of the gods.

Fandom (DMR Books): Steve Tompkins died ten years ago today. I and a few other bloggers will be posting blog entries in tribute to Steve, whom I consider the best “genre” blogger of the first decade in this twenty-first century. Below, you’ll find a very concise history of Mr. Tompkins’ life and hyperlinks to all of his blog entries and online essays. This post is intended to function as a one-stop guide to Steve’s online legacy.

RPG (Playing at the World): The Illusionist in Dungeons & Dragons was created by Peter Aronson, an early Boston-area fan. In 1975, Aronson submitted an initial description of Illusionists to TSR , who ran it in the fourth issue of the Strategic Review. Then the following year, Aronson’s additions with system for higher-level Illusionists appeared in the debut issue of The Dragon. But Aronson didn’t stop there – he made a number of further expansions and corrections which he circulated informally in 1977, of which the first page is shown above. Today, we’re looking at the complete Illusionist subclass for OD&D as Aronson envisioned it, and the implications it created for “schools” of magic in role-playing games.

Fiction (DMR Books): Hira Singh was Talbot Mundy’s fourth novel; his second and third novels (The Winds of the World and King – of the Khyber Rifles) are more properly part of the Greater Jimgrim Mythos of interconnected stories and we will discuss them in their own time. We will also be reviewing the Jimgrim Saga itself (those books whose hero is James Grim) in its own place. Hira Singh was serialized in Adventure magazine in late 1917 and then published in book form by Bobbs-Merrill in 1918.

Popular Culture (Kairos): Hang out around science fiction authors long enough, and you get the sense that they’re all crazy.

John Scalzi claims that Donald Trump and the weather conspired to give him writer’s block. Patrick Rothfuss and George R. R. Martin have cited similarly temperamental reasons for not finishing their popular series.

The ancient Romans had a saying, Ars longa, vita brevis. Moderns take it to mean that life is short, but works of art last.

Popular Culture (Men of the West): This weekend, Captain Marvel defied expectations among traditional fanbase comic book audiences who expected the movie to gross between $80 and $100 million. It seemed as though every indication was there that the movie would tank, due to its blatant promotion of third wave feminism—both in the movie as well as in promotional material. However, the justified critics were wrong to presume the larger society of Americans were on their side, and the movie earned $153 million domestic.

Authors (Fredericksburg.com): AS THE final weeks of the 20th century drew to a close, much attention was given to the question of what had been the best—the best of the century or best of the millennium? An endless flurry of polls, surveys, Top 10 and Top 100 lists were compiled.

And when it came to the best book or best author of the past 100 years, in poll after poll, survey after survey, list after list, J.R.R. Tolkien was nearly always at the top.

Comic Books (Jon Mollison): Back in December I took the Arkhaven Comics then new online book store for a test drive. Wil Caligan’s Gun Ghoul showed up in plenty of time, but personal events made reading a comic centered on death and justice too painful.

Still, Wil’s a good guy who deserves support, so I cinched my belt tighter, sniffed and thumbed my nose like a good Mayberry Sherriff’s Deputy and shouldered my wife through a story of loss, revenge, and redemption.

RPG (Karavansara): The game in question is called Atlantis, the Second Age, that is a game with a complicated history – there’s at least three different editions that I am aware of: the first by Bard Games (when it was just called Atlantis), the second by Morrigan Press which is the one I own, and recently a new edition was released published by Kephera Publishing (I do not own it, but all reviews are glowing).

RPG (Tower of Zenopus): I’ve been interested in the Savage Worlds game since the earliest days of its existence – maybe before if we’re going back to Deadlands and the Great Rail Wars days. I played and ran some Deadlands in its original form, picking up pretty much all of the books and the Deadlands: Hell on Earth setting and books as well. I dove into GRW a little later and picked up a bunch of the miniatures and books for that too. I was on the Deadlands email list in the late 90’s/early 2000’s and followed the development of the system as bits came out there – you can see a more extensive version of that info here.

Fiction (George Kelly): I’ve been a big fan of Night Shade Books’s volumes in The Complete Stories of Jules de Grandin series. Black Moon, just published, is the fifth and final volume. Seabury Quinn created a psychic investigator whose cases usually involved weird, occult, and supernatural aspects. For four decades, Seabury Quinn wrote stories that attracted a devoted audience of readers. The stories in this collection bring together Jules de Grandin stories from the late Thirties, all of the Forties, and a couple stories from the Fifties.

Fiction (Too Much Horror Fiction): Pity poor Robert James Atchison. Living in a California town known as America’s preeminent burial ground, where the dead outnumber the living five thousand to one, he’s a sensitive 17-year-old boy with a fondness for poetry, instilled in him by his dear departed mother, and he actually enjoys reading books like The Iliad for school. He may have good hair, vibrant eyes, and fine features, but all that’s lost on his high school classmates: to them he’s a gangly, awkward-limbed, tongue-tied goof who they’ve nicknamed “Coma Man” with an embarrassing crush on Carla, the prettiest girl in school. He’s written Carla a poem and has two scarlet ribbons to give to her. What could go wrong?

Pulp (True Pulp Fiction): After having hardly any time for pulp reading for a while I finally got a chance to settle down with this issue of Adventure from from Howard V. Bloomfield’s editorial regime. Despite the cowboy on the cover the lead story is a Georges Surdez novelette, “A Head for the Game.” It’s a change of pace for Surdez in that his usual French Foreign Legion protagonists appear here as antagonists, picking a feud with a commander of Senegalese Tirailleurs.

Sensor Sweep: Classics, Steve Tompkins, Queen of the Black Coast, Gun Ghoul published first on https://medium.com/@ReloadedPCGames

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fadingpersoncollectorstuff-blog · 6 years

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Insurance quotes for subaru wrx or acura rsx?

i am 18 and have my license for 1 year , no tickets no anything good grades . Wich would cost more the rsx or the wrx , whats the price range for each a month .thanks""

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""Is it true that the older the car, the lower the insurance cost?""

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What is the cheapest auto insurance?

Is it better to repair cars with insurance company or known mechanic?

I met with an accident the other day where a drunk guy hit me at the rear end of my totyotal avalon. there is considerable body work to be done. i dont know if there may be any ...show more

How much will my insurance cost?

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Will one accident and citation make ur car insurance go up?If so how much?

Im a 23 yr old guy and ive only been insured for a month, will my insurance rate go up immediantly?If so,how much?""

Is it illegal to fake my GPA for lower car insurance?

if so, can they do anything about it, like take me to court or have me arrested? i ****** up my fist semester of college and now that i have my license i have to get insurance. my dad said i better have at least a 3.0 or else.. should i just do it?""

Cheap car insurance for a 17 year old boy on a UK full licence?

do you know any cheap insurance providers who could give a reasonable quote for a 17 year old, with a pass plus on a full UK licence, as go compare is giving quotes of 3000+ which if far too much for a student, plus this is only third party, please help!""

""In Maryland, is insurance required to drive a car?""

I'm going to be living on my own soon and there's no possible way I can afford it on my own. By the way, does anyone know how much it costs to be insured as an 18 year old on your own policy? What about for a motorcycle?""

Can I get Classic Car insurance?

I'm 16 and have been looking at a lot of classic cars (specifically a 1971-1973 Mustang Mach 1) and ran into a bit of a dilemma... My dad is a car dealer, owning his own used dealership, so he has insurance that covers all the cars, rather than just one. But, you have to be 18 to be under that policy, so I can't be on it, and I've heard that unless you're under you parents policy, you can't have classic car insurance until you're 25. But, I heard that you can get liability only (Which is my state's minimum coverage), so I was wondering if that was true. Would I be able to get just liability on a classic car? Or should I just cut out all the complicated stuff and get a modern car?""

How can low-income people *afford* lower cost health insurance?

Huckleberry suggested that low-income people will be able to afford low-cost private health insurance--but he doesn't say *how* that will be possible. Guliani says that with tax credits, people will be able to afford low-cost insurance. (How is that possible?) I haven't figured what the other GOP candidates want, but how can low-income people--and those on disability--be able to afford expensively HUGE health-insurance plans on what little money that is already afforded to them per month?""

Car Insurance (No car)?

So this might sound a bit dumb, but I was wondering what are the steps to getting car insurance before you own a car. The problem I have is I am afraid of wrecking the car on the drive home from car lot and not having insurance!""

What is The Cheapest Auto Insurance for A Beginner?

....

Can someone who smokes marijuana get affordable life insurance?

How much does it cost to insure a child care center?

I am enrolled in a college course called Administration of Early Childhood Programs. My final project is creating my own child care center (the project covers everything and is very detailed so we can use our materials if we actually do open up a center). Anyways, I am stuck on one part of my budget. I have been researching for hours and cannot find what my estimated cost of what liability insurance would cost me per year. Because this business does not actually exist I am having difficulties obtaining a quote from insurance companies. My center is licensed for 140 children at one time. If anyone has an estimated cost or a source that would give me an average cost per child or an insurance estimate calculator or anything like that would really help. Thanks!""

Cheap car insurance?......?

I need to get car insurance to put the title in my name. I am just looking for the cheapest thing out there right now, not too concerned with full coverage right now, just the basics. I will do research and get the one that best suits me later but for right now I just need something fast. Geico's rates were over $100/mo for my car, is that about average? Or is there something cheaper?""

Do I need car insurance if I drive on a learner's permit with a parent?

Also, do I need car insurance if I drive with a driver's license and with a parent. Also, this car is not mine, it is my parents.""

What does 1000 or 500 deductible mean when you're getting car insurance?

Before I get my car insurance I would like to know what this means,and what is better.""

Why is motorcycle insurance insane for everything but cruiser types?

I called Geico and they quoted me on a bunch of motorcycles. Cruisers were the only reasonable ones, but I thought the other types (sport, standard, touring, offroad) that I got quotes on were riduculously high! I even asked about the ninja 250 and that was 4 times the amount of a 750 shadow. How is that possible?""

Car insurance at 20 on average?

How much would car insurance be for me if i only have my licence for 2 months before i get a car and i am 20 years old?. The car would be minimum a 1.2 litre and maximum a 1.6 litre so what would a 1.2 litre, 1.4 litre and 1.6 litre cost me on average?.""

Cost of Car insurance for new driver 30yr old Female?

Hi am about to start lessons on learning to drive, and was wondering if anyone knows the cost it would be for car insurance for a new driver annually, car will probably be 1.4, I am female, 29/30 years old. Thanks""

How much will insurance cost me on a 1.6 Ford capri?

A year from now I hope to pass my driving test (hopefully with a pass pluss), in which case I will be 17 years of age and it would be my first car.""

Can you take a rental car when you do not have any personal vehicle or auto insurance?

I do not have any car insurance right now. I am planning to get a car rental for a month. Do I need to get some insurance for this? What happens if cop pulls me up will rental agreement be sufficient?

Insurance Increase for a newer car Regal to Focus?

I had a 1999 Buick Regal Supercharged and switched to a 2002 Ford Focus SE. This resulted in my insurance going from 750 to 1000$ for the year. Any ideas why this may be, as far as I see the Focus should be safer and have more features resulting in lower insurance. According to my insurance company apparently it was rated as being less safe. (no coverages were changed on the insurance just the price increased) Any ideas would be much appreciated.""

Do I need car insurance ?

Ok so u just got my learners permit today and my mom said she's pretty sure I don't need car insurance that I'm automatically covered since I'm a minor and can only drive in the car when they are in it so am I covered I live in Tampa Florida if that matters I just want to start driving immediately but dad says I need to make sure I'm under his policy so I can drive

How is GEICO Auto Insurance?

I am shopping around for auto insurance and so far Geico is the cheapest auto insurance I have got. They are offering $1142 for my '99 Camry full coverage when Amica wants $1175, Commerce $1255, and Travelers' wants $1309. But I have heard a lot of negative feedback about Geico's claim service. Does anyone have any idea how true those negative feedbacks are. Should I go with Amica instead of Geico?""

alabama insurance license check

List of health insurance in the phils?

i am looking for less expensive medical insurance coverage

How much is car insurance in nyc?

Im 23 years this is my first car ever a 1998 FORD EXPEDITION wanted to now how much car insurance im looking at.

Auto Insurance ? Never had it. Can anybody help.?

I have called for quotes.. to many auto insurance companies. But since this my first time purchase I am confused, Can someone break down the features of a policy, what am i to have, what is reccomended. thanks , any details will help.""

Where can I find cheap car insurance for my BMW 7 Series car?

Hi. I just bought a BMW 135i Convertible. Where can I find cheap car insurance for this car? I've checked the major ones like Geico but the quotes they list out are pretty expensive in my opinion.

How much will a Toyota Spyder increase my insurance?

I'm looking to buy a 2000 Toyota Spyder. But i'm only 20 years old, so i'm questioning whether or not it is a good idea! Its will cost me about $10,000 after tax + the insurance. I'm not so worried about the actually cost of the car, because I can make about a 60% downpayment, and take out a small loan for the rest... But the insurance is the big issue...""

Is Future Generali(Future group) insurance good?

Hi, I am planning to take a life insurance policy, can I go for Future group's new venture Future Generali or is it safe to go with LIC.Kindly suggest me on the basis of how good they're in Service, and claims. Thanks, Jagadish""

How much Insurance do I need to pay for a 2.5 million hause.?

Insurance company totalled my car.?

I was recently in a minor accident in which someone backed into me. Their insurance company accepted 100% of the liability. They are telling me that they are deeming it as a total loss. My question is, once they determine the actual cash value of the car, minus the salvage and give me the difference, will my title be a salvaged title? I live in Missouri and drive a 2000 Oldsmobile Alero. I couple of different people have informed me that beings my car is over 7 years old it will NOT have a salvaged title but according to the insurance company it will. Also do I get the actual cash value minus the salvage amount or do I get the repair estimate amount minus the salvage amount? The car is completely drivable and only has a minor crack in the bumper along with a puncture in the a/c condenser which I can have replaced. I want to keep the car.""

Do I need insurance ?

I'm 16 I'm starting my own lawn care Business Do I need Insurance In case I hit something and does my car Insurance cover snow plowing

Which health insurance is cheaper and useful?

I am living in Carlisle, PA. I am currently on unemployment compensation. I need a health plan for me and my wife very affordable. I have filled quotes over internet and I have to ...show more""

Insuring a new driver?

I will be soon getting my license (California), however I will not immediately be purchasing my own car. I am sixteen and I will most likely be driving one of my parents cars in the interim. Now here's my problem. My dad owns and e55 and my mom owns a 328. My mom commutes every day so driving her car is off the table. My dad almost never has to go anywhere in his car as he is currently on disability. The only problem is insuring me on the e55 will cost a fortune. My dad currently has the car insured under State Farm and their quick estimate say's I'd be paying nearly $600 a month. Now, I know there are multiple discounts I can apply for, but I'm not exactly sure what I'm eligible for. Since this would be a shared policy as a part time driver, would it be significantly cheaper? I'm just looking for options here, my dad wants me out of his hair but he also wants me to be paying insurance. I make enough that I could just barely afford $500 a month but that would leave me with no expendable income so.... help. Thanks.""

Are there any groups you can join that offers group health insurance?

Or some insurance co that does not ask for a ten year history?

""Health insurance starts in 10 days, but I am sick now. Will they reimburse me?""

If I went to the doctor now, would I be able to submit a claim for reimbursement? My insurance is Aetna. I called them, but they are closed because it is Sunday. Answers/suggestions are appreciated.""

Can you switch car insurance companies easily?

I bought a car last night and am picking it up today in Nova Scotia. I called around to a number of companies for insurance and got a quote that seemed reasonable. I went down today and signed the paperwork and was given the temporary insurance card and they faxed paperwork to the dealership and the dealership to them and it is all worked out. However I got a call back a few hours later from another broker quoting me a lot less. I had her verify with the company and they said yes. But I have already signed the other stuff. The one I have now is going to be monthly and the first payment should not come out till about the 15th and be the first and last payment for the month. if I switch and they have already taken the payment do I get the last month back? Can I pretty much switch at any time? Anyone know how that works? I'm a newbie at buying a vehicle an thought I had done my homework but apparently not.

How much is motorcycle insurance?

im about to turn 18 and im planing to get a sport bike but i want to know how much the insurance will cost me

Low Repair Estimate How to Go After Insurance Company?

I hit a car at its back and caused cracks on its rear bumper. It is my fault and my insurance company supposed to pay for the repair since I have liability insurance with them. But the estimate from my insurance company for the other car came out much lower than the estimates the other party got from other body shops. And now the other party comes after me and they said they gonna sue me. I would like to know how can I push my insurance company to come up more. Thanks!

All nevada insurance?

All Nevada Insurance at Martin Luther King Blvd., Las Vegas, Nevada 89106. Have they moved?""

Car accident insurance question?

Last week someone backed up into my bumper while my car was parked. They were very nice and left a note, and we were in the middle of sorting things out. I got an estimate for the damage, but we had not yet done anything with their insurance company yet. Today my boyfriend was driving my car, and he spun out and totaled the car. His insurance should be able to cover it, but how should I go about for the insurance with the first person? Do I need to tell them about the accident or is it not necessary? We haven't yet filed the insurance and so I don't know if it will be a problem. Any help is appreciated.. thanks""

What can I do about this insurance/car accident?

Recently, my husband was hit in my car while going through a green light. The girl didn't see him as he was going through and turned and hit him. Now we are fighting with her crappy insurance. They are trying to say we are 25% liable and they will only pay 75% to fix our car. They are trying to say my husband should have been more cautious going through the light. It was a green light! So, what, we are supposed to treat stoplights like stop signs now? How ridiculous. My question is, what can I do to get my car 100% paid for and do they even have the right to claim who is liable or not? Isn't that the cops job? My husband decided to be nice and not have the cop issue her a ticket. Was that a bad idea? I mean, she turned into him. How much more cautious could my husband have been? He hit his brakes but by that time it was too late. This insurance company is saying he should have tried harder to avoid the accident. What else could one possibly do!?""

What is the average cost in california for a 600cc motorcycle insurance as first vehicle(18 year old)?

Im trying to figure out how much im going to pay for 600cc motorcycle insurance(minimum insurance not full cover).i am 18 years old and it is going to be my first vehicle.

Will affordable health act help or hurt people who want to retire early?

Say you are in your late 50's or early 60's and wants and have enough money to retire, but was waiting because of health insurance issues and was going to wait till 65. With the affordable care act most likely going to proceed, will this help those people who probably have pre-existing conditions and of course old get a better deal on health insurance if affordable care act was not passed? To my simple mind, I would have to say yes. And I imagine a lot of people are going to take advantage of this and retire early.""

People who cant afford health insurance are quacks?

i see the merits of having universal health care, kind of, but it seems to me that the problem is a lot of middle class citizens who just decide nto to purchase health insurance on the premise that they cannot afford it , and instead opt to buy material goods that are solely for luxury. you cant go out and buy nice cars and houses and bypass health insurance and then cry it off that the government should give free care to everryone.......i definitely agree it should be cheaper for the poor etc. bottom line: ppl need to realize health is the most important thing in there life, and satisfy that need, before thinking about personal possesions (nice cars etc)""

Lapse in health insurance?

My husband is about to have a lapse in health insurance, for about 4 months? Reasons being, because I am pregnant, and no insurance company will cover an expectant father. We will be getting him covered once the baby comes. What are the reprecussions for having a lapse in health insurance? He has no pre-existing conditions and is very healthy.""

Insurance for GSX-R600 does make and CCs matter?

Say if you had a 750 would it drasically spike the insurance as if you would have bought a 600 instead? What are all the factors that insurance companies go through to give you a quote? What questions are asked? If you could answer this too it would be great :) Make/model of bike: Age: CCs: YO experience: Thank you!

I just gave up my car and turned in my insurance?

I just gave up my car and turned in my insurance .I will drive my childrens cars from time to time .My insurance coverage was adequate and included an auto liability of $1,000,000.bodily inj of $1,000,000 and property damage the same .Since my children have only the minimum ,how can I continue to get the same protection when driving their cars.""

alabama insurance license check

https://www.linkedin.com/pulse/why-does-anyone-complain-insurance-companies-ryan-walsh/"

0 notes

katiemckenzie222453 · 6 years

Link

Young people have significant health needs ranging from higher rates of risk taking behaviour, accidents, mental health problems through to alcohol and drug misuse and sexual health issues.

This is exacerbated by barriers to accessing health services, low income and frequent relocation.

Understanding the health needs of our youth

Key statistics

Hazardous drinking rates peak in the 18–24-year age group. One-third of 18–24-year olds (33%) are hazardous drinkers. (1)

There has been a dramatic increase in the global prevalence of obesity.

In 2012 New Zealand adults ranked third highest out of 15 OECD countries for measures of obesity and in 2010 New Zealand children (aged 5–17 years) ranked third highest out of 40 countries for overweight (including obesity). (2)

Adults and children living in the most deprived areas have higher rates of all health risks including smoking, hazardous drinking and obesity. (1)

Unmet need for primary health care is more common among Māori and Pacific adults and children, and in those living in the most deprived areas (1)

Youth Survey Series

A series of surveys of Year 10 students has been conducted in New Zealand since 2000.(3) Led by the University of Auckland, the Youth2000 survey series (University of Auckland) ask a large, representative sample of secondary school students from over approximately a third of all high school in New Zealand a wide range of questions that contribute to health and wellbeing of young people in New Zealand.

These include questions about:

ethnicity & culture,

physical health,

food & activities,

substance use,

sexual health,

injuries and violence,

home and family health,

school achievement and participation,

neighbourhood environment,

spirituality and

access to healthcare.

This series provides invaluable information about health, wellbeing and trends in this age group. In the latest survey of 2012, the areas of health and wellbeing where students report little or no change include:

Inconsistent condom and contraception use

Being bullied

Being overweight or obese

Youth not feeling they spend enough time with at least one parent

Youth experiencing significant depressive symptoms

Areas that have significantly worsened over the last decade as shown by the Youth Survey Series including:

Parents worrying about having enough money for food

Access to a family doctor

Participation in paid part-time emplo

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launchrecruitment1 · 7 years

Text

How to Optimise Your LinkedIn Profile in 20 Steps – Part 2

Updated for 2017/18

This is the second in a 2 part series on How to Optimise Your LinkedIn profile. It is specifically targeted at job seekers but these tips will help anyone wanting to make their profile really stand out. Click on each point for more details.

11. Use Status Updates to Stand Out!

12. Comment on Updates from Other People and Companies You Follow

13. Join Relevant Groups and Discussions

14. Get Involved in Volunteer Work and Causes

15. Be Specific About Your Education

16. Network and Connect Actively

17. Extend LinkedIn with Mobile Apps

18. Become a LinkedIn Power User

19. Showcase Your Achievements

20. Write a Summary of Your Career

Marketo.com found that up to 94% of recruiters use LinkedIn to find candidates but only 36% of job seekers are active on LinkedIn. This presents a huge opportunity if you use LinkedIn well and make sure your profile is up to date and well optimised.

If you’re in the market for an IT job, this article will help you stand out to recruiters.

11. Use Status Updates to Stand Out!

“To be considered a Valuable Resource, you have to Add Value.”

This is true of your LinkedIn status updates. If you add value to your LinkedIn profile by not only publishing posts but by providing commentary on relevant topics, your profile is far more likely to get noticed and then shared with other networks. To increase the number of people viewing your profile, you need to be seen to be someone who can add value to the viewer.

It’s not just about sharing your own writing and blog posts, consider sharing other people’s blog posts, articles, videos and anything else that you think might be useful. Adding your own commentary and insights will ensure that your content is unique and you are not simply plagiarising other people’s work. Curating interesting and useful content is currently considered one of the best ways to get noticed online. i-Scoop describe content curation as being “about aggregating/discovering/gathering relevant content and then sharing or presenting it to audiences in a targeted and optimized way.”

Jeff Bullas recommends you update your LinkedIn status daily with new and interesting information that is both original and curated.

Don’t forget to inform those people whose content you have used so they can also share your post among their networks. Most people love to know that their blog post or content was useful and has been shared. Make sure you give full credit and a link back to the original content.

12. Comment on Updates from Other People and Companies You Follow

Make sure that you regularly comment, share and follow people and companies who offer relevant, valuable and useful information and content. By sharing their status updates you will add value to your own networks and gain friends and followers. People are far more likely to share your content if you reciprocate and share theirs.

This is called “building social equity” and is described by Juice Marketing as “sharing useful stuff in an unbiased way, whether it’s your own content or not – builds credibility and something I call “social equity.”

It’s very important to maintain the 80/20 ratio for sharing other people’s content to your own. It is important not to over promote yourself or you may find yourself losing followers.

Social Media Examiner has written a great article that demonstrates how and why this strategy is important. According to Social Media Examiner: “It’s all about becoming a valuable resource. When you can dig up great articles your audience is interested in–regardless of the source–you’ll become more respected and your content will be widely shared”.

13. Join Relevant Groups and Discussions

Jeff Haden describes LinkedIn groups as informal communities that are generally built around a profession, niche or industry. Joining groups and discussions on LinkedIn is a great way to develop new connections.

It is important to only join groups that are relevant to you and your career. Make sure the groups are going to increase your chances of better networking, connections or understanding of an industry. It is not worth wasting your time (or the group’s) on joining with people who aren’t interested in what you have to offer and vice versa.

A very simple guide that shows you how to search for and join relevant groups can be found here. According to Sirona Consulting, social media recruitment experts, it is worth joining as many relevant groups as possible. You can join up to 50 groups on LinkedIn at the moment.

Apart from the obvious networking advantages of joining groups, it can give you the opportunity to not only look for a job but to build and foster relationships with hiring managers and other HR executives. Because you can message anyone in your group for free, you can use a group as a great way to network and connect with people who could be very useful for your career.

14. Get Involved in Volunteer Work and Causes

LinkedIn gives space in your profile for any past or current volunteer work you may have done or are currently engaged in. According to a recent survey by LinkedIn, reported by Emily Co, about 41% of professionals consider a candidate’s volunteer work experience when interviewing for a job.

Forbes reports that LinkedIn released the findings of a survey conducted in the US with 2000 professionals and found that, while 89% had experience with volunteer work, only 45% put it on their resume. Considering the number of managers who do look at volunteer work, it is definitely worth including it in your LinkedIn resume.

LinkedIn also provides opportunities to volunteer your “time and talent” to serve on a non profit board of some other type of skills based work. You can also help in online industry based forums where people ask questions and seek the advice of an “expert”. By setting yourself up as an expert in a particular field, you will increase your chances of being found by potential employers and headhunters.

15. Be Specific About Your Education

There are a number of reasons to be very specific about your education in your LinkedIn profile.

Let prospective employers know your educational qualifications and attainments. It’s important to be completely honest and don’t embellish your achievements.

LinkedIn can find other connections from your past educational institutions. These people can often be excellent networking connections and may be happy to introduce or recommend you to other colleagues. It is not always easy to gain new connections on LinkedIn, if you have something from your past in common, you might find they can connect you to someone with the perfect job for you.

Forbes discusses why it is so important to stay completely honest when giving your educational background. As they say, you never know when your next interviewer might have gone to the school you’re not being completely honest about.

If you’re wondering how to add, edit or improve your educational profile settings, LinkedIn gives a clear outline of how to do this in just a few steps.

16. Network and Connect Actively

It’s not easy to make new connections on LinkedIn. However, it is recommended to aim to get the maximum published (500). There have been a lot of myths over the years about different features getting unlocked when a person hits 500 connections. This is not the case, the only thing that happens is that your publicly displayed number stops increasing. Hubspot debunks this and other myths about the network.

The best way to request a connection is to make a personalised request. Make sure you tell them who you are, how you know them (did you meet at a conference, meeting or are they a connection with someone you know?), why you are connecting with them (give them a reason to connect with you). Julie Yates discusses the Do’s and Don’ts of asking for new connections on LinkedIn in this article.

It is important to be careful to only try to connect with people you know or you can show some sort of connection with. While you are entitled to try to connect with people whose email address you don’t know, once you have had a number of people hit the “report spam” or “I don’t know this person” you can get put in the “LinkedIn jail house” as Social Media Examiner describes it. Once this happens you will be required to include your email address in every future contact and this can greatly reduce your ability to connect effectively in future.

If you craft a personalised message, do your homework and know a bit about the person and mention who and what you have in common, you should be fine.

Once you are connected, stay connected. Don’t neglect those connections you worked so hard to get. Tech Hive discusses why this is so important. Find out how to become a “super connector” in this Undercover Recruiter article.

17. Extend LinkedIn with Mobile Apps

Using LinkedIn’s mobile app allows you a lot more freedom to check posts, make connections and update status posts. As Matt Kapko points out, LinkedIn’s figures show that a candidate is 10% more likely to get a job if they apply on the first day it is advertised. Having the LinkedIn mobile app on your smartphone makes it much easier to stay in touch and respond quickly.

Advisor Tech Tips considers the most powerful feature of the LinkedIn mobile app is its calendar. If you are attending an industry meeting or conference, you can sync your “device calendar to incorporate rich LinkedIn profile data about each attendee”. As you can imagine, this can provide a wealth of information and useful content to help you make the most of your time and networking.

LinkedIn has now moved into a mobile based multi app approach and has put an enormous effort into making its platform mobile friendly. NextWeb reports that the mobile app is under continual development to make it even more user friendly and efficient.

Business Insider published an excellent article that discusses all the many ways you should be using the LinkedIn mobile app (but probably aren’t).

With more than 40% of users now accessing the network by mobile devices, if you haven’t downloaded their app, it might be time to think about it and learn how to use it to maximum advantage.

18. Become a LinkedIn Power User

Jordan Sundberg of the Undercover Recruiter says that only 50.5% of LinkedIn users have complete profiles (as defined by the social media network). This means that by ensuring you have a complete and well filled out profile and you keep an updated status and news feed, you will be considered a “power user”. This will increase your chances of being noticed, contacted and endorsed.

By using all the “tips and tricks” available to you, your status as a “power user” will be increased.

Jason Martin gives a list of some of the best ways to become a “power user” in just one hour per week. He suggests taking advantage of some of the extra features on LinkedIn such as advanced search, groups, answers (to showcase your knowledge and give back to the community), events (find out about events in your area that you might be able to join), news and updates.

19. Showcase Your Achievements

LinkedIn also allows users to showcase their achievements. This is another great way to show future employers the awards, certifications and other accolades that you may have won over the years.

For a step by step outline of how to add or change your certifications, this article will guide you through.

The Muse gives some great tips for how to show off your accomplishments to make your LinkedIn profile stand out for potential employers.

Any certification is worth mentioning. Digital WPC considers that by providing all forms of accreditation and certification, you will not only show off your achievements but prospective employers can see how these might benefit their business. Consistently updating your profile as you achieve new accreditations keeps your profile fresh and relevant.

Another excellent way to showcase your achievements is to provide work samples. You can provide these in a range of formats, including PDF, image (jpeg, png), video etc. This is one of the best ways to show off your professional achievements. If you’re unsure how to add work samples to your profile, check out this PC World article that walks you through the process.

20. Write a Summary of Your Career

One of the most important parts of your profile is your summary. William Arruda, in his Forbes article, considers your LinkedIn summary to be the equivalent of a bio. He believes a bio to be the most important powerful personal branding tool you have. According to Arruda,“an effective LinkedIn summary makes people want to know more about you and ultimately connect with you one-on-one, so congruence is critical.” Make sure your online profile matches your real world self.

Your summary gives you the opportunity to show prospective employers what is important to you. If you don’t fill in your summary, the first part of your profile they will see is your experiences section. This does not provide a focus for recruiters or hiring managers. A summary will help point them in the right direction.

Careercast’s article, “5 Essential Tips for a Killer LInkedIn Summary” offers tips for making your summary stand out. By following these pointers, your summary will give employers the impression you want them to have.

Still not sure how to write an awesome summary? Check out these examples of great summaries to make your LinkedIn profile pop.

The post How to Optimise Your LinkedIn Profile in 20 Steps – Part 2 appeared first on Launch Recruitment.

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caredogstips · 7 years

Text

Ben Carson: could he be the answer to Republicans’ youth problem?

The retired neurosurgeons stimulating life history and non-politician status are key glean for millennials, facilitating see him Facebooks most followed candidate

The younger generation is tired of the typical politician, suggests 17 -year-old Megan Cox, explaining why she came to see Ben Carson with her mom, aunt and cousin in Spartanburg, South Carolina.

We interpret the stereotypical politician as more of exactly a figurehead, kind of bogus and so the fact that he is not a busines politician is a reaping point.

Like many who have come to see Carson speak at Wofford College, she says she was aware of, and motivated by, the mentality surgeons life story long before he embarked ranging for president. So far the seeming divergences in that story havent dissuaded them.

Millennials approximately defined as being born between the early 1980 s and early 2000 s make up its significant voting bloc. Its reckoned they will constitute a third of the vote in the 2016 election. Its the working group Republican ought to have struggling to allure. In 2012, 67% of 18- to 29 -year-olds voted for Barack Obama, compared with simply 30% for Mitt Romney.

Carson has so far proved to be something of a hit with this group, however. In May he topped a poll of those aged 18 -2 9, to be organized by Harvard Universitys Institute of Politics, as the most wonderful GOP candidate. In a September survey by Chegg, Carson was preceding his Republican competitives among college students.

Seeing Carson speak in person, at Woffords Benjamin Johnson arena in Spartanburg, it is not immediately obvious why he has such petition. Observers of the Republican dialogues will be accustomed to his toned-down accomplishments eyes half shut, spokesperson soft, pate bent but on theatre, talking to a gang of about 1,000 beings, he seems even lower-energy.

Ive been spending a lot of era boning up on material, Carson tells the audience, having only returned from a trip to Jordan. Carson toured refugee camps and met aid workers on site visits, in an attempt to bolster his foreign policy credentials.

Hes organized a move demonstrate for the students.

Syria, reads a entitle at the top of the first slither. There is a map of Syria and the countries encircling it. Syria is in red.

Population: 17 m, suggests a missile point.

There are pictures of Carson meeting dislodged Syrians. There is more room in the refugee camps, he responds. The US neednt accept anyone just yet.

Carson segues into something more like a stump communication, speeding slowly across the stage. He talks of the need to return to Judeo-Christian values. He talks about beings expecting him why he would enter politics after such a wonderful busines in medication. He utilises two handwriting gestures: embraced together, as if in devotion, and harboured apart, palms facing one another, like a serviceman describing the dimensions of the a fish he formerly caught.

More Facebook partisans than Bernie Sanders

A 2 December Quinnipiac ballot showed that Carson has fallen behind Trump, the two having been neck-and-neck since early November, and is tied with Marco Rubio and Ted Cruz for second place. Before he travelled to the Middle East he compared Syrian refugees to rabid hounds, which may not have helped.

But there are other indications of his notoriety. Carson has 4. 9 million adherents on Facebook. Thats more than Hillary Clinton and Trump. It is even more than Bernie Sanders, supposedly the millennial sweetheart.

Wofford hosted a GOP presidential conversation in 2011, and hosts the Hipp lecture series established by a former chairman of the South Carolina Republican party on national insurance. This is not a liberal campus, but still caters an interesting barometer of boy supporting. Talking to students it becomes clear that a big part of Carsons success is his life story. It was particularly helpful that many of them have contemplated this life story in school.

When I took anatomy last year we watched the Gifted Hands movie, does Cox.

I had no clue that he was interested in politics at all but the facts of the case that his life story, becoming a surgeon, and that he did inadequately in grade school and defeat that and went to Yale overcoming that is very important to me because it shows you a hard worker and he wasnt simply sided everything on a silver platter.

Isaiah Addison, a 21 -year-old Wofford student who is originally from Killeen, Texas, has an virtually identical fib.

Before he even was guiding Id looked at him as a role model, Addison says.

Hes actually one of the reasons why Im a neuroscience major right now here at Wofford. When I was in high school I actually watched the movie Gifted Hands and it genuinely transformed me on to wanting to know more about how the brain works.

Abbey Bedenbaugh is the chief representative for Ben Carsons campaign at Wofford. She didnt examine the movie Gifted Hands which stars Cuba Gooding Jr as Carson, and has a 7.8 -star rating on IMDB but read the book on which it was based.

Thats when I started to follow him and his employment, Bedenbaugh says.

His story, how he grew up. What he did to overcome obstacles in his childhood. How he merely continued to pursue what he adored no matter what obstacles he faced.

Bedenbaugh is 18 years old and is studying chemistry. She has only been campaigning for Carson for two weeks but has ever been signing up abundance of students. Like Cox, Addison, and many others, the tale of Carsons success is a big draw.

His popularity with boys is not lost on Carsons campaign. They have set up a Students for Carson program and are present on 3,900 college campuses.

As for reaching out to this demographic, our campaign believes it is incredibly important, enunciates Ying Ma, Carsons deputy communications director.

They aim to increase the number of sections to captivate more young people and get them campaigning on Carsons behalf.

As for his appeal: They visualize an authentic, accomplished individual who is willing to speak the truth and offering real solutions, Ma says.

Unconditional support

But Carsons back story the wayward boy who may or may not “ve been trying to” jabbed a sidekick before noting God and becoming a world-renowned intelligence surgeon has already become something of a millstone over the past weeks. Correspondents have been unable to find anyone to corroborate Carsons account of has become a teenage tearaway.

No one who knew a youthful Carson seems to remember him as a brutal child, let alone one who would attempt to attack his own mother with a hammer or stab a sidekick. Similarly, Carsons claims that he was offered a award to West Point armed establishment, and that he was deemed the most honest student in his class at Yale, have proved to be inaccurate.

You might expect that this would alienate those who were attracted by Carsons story and franknes. But the people I speak to seem prepared to give him a pass.

It does “i m feeling” heartbreaking but every person is a human, everyone moves missteps, Bedenbaugh tells. Not everyone is perfect all the time. Even Ben Carson.

In the Benjamin Johnson arena, Carson moves on to a question-and-answer discussion. His foreign policy boning up is evident, although he seems a bit over-eager to indicate it. At periods he sounds like a student hoping for additional points.

Asked about King Abdullah of Jordan, Carson describes him as a very honorable humanity. He pauses for a second before adding: he was a fighter captain. He talks about Russia and mentions the Baltic basin. And Im not talking about the Balkans, he illuminates, for no self-evident conclude other than to emphasize that he knows the difference between the two.

The event is brought to a shut. The predominantly young gathering have enjoyed the evening. Carson gets a standing ovation. Students snap photos as he ripples from the stage. “Theres” voluntaries outside, waiting to sign up new boosters. Evaluating by the response, they will probably do quite well.

The Carson campaign will be pleased. But as people begin to file out, there is a reminder that the electorate is also possible fickle.

At the extremely top of one of the realm sitting banks groupings of students are locked in exchange. I climb up and ask them why they substantiate Ben Carson.

Oh we dont, one says. We get extra ascribes for coming.