Kenya Commercial Bank Limited (KCB.ke) listed on the Nairobi Securities Exchange under the Banking sector has released it’s 2011 annual report.For more information about Kenya Commercial Bank Limited (KCB.ke) reports, abridged reports, interim earnings results and earnings presentations, visit the Kenya Commercial Bank Limited (KCB.ke) company page on AfricanFinancials.Document: Kenya Commercial Bank Limited (KCB.ke) 2011 annual report.Company ProfileKenya Commercial Bank Limited (KCB Bank) is a financial services institution in Kenya offering products and services to the commercial sector. The banking group offers a full-service offering for commercial and corporate clients and runs an Agency banking model. Its parent company, KCB Group, was founded as a branch of the National Bank of India in Mombasa. Grindlays Bank merged with the National Bank of India in 1958 to form the National & Grindlays Bank. The government of Kenya bought a 60% stake in National & Grindlays Bank and took full control of it in 1970; renaming it Kenya Commercial Group. It was renamed KCB Bank Kenya after a corporate restructure. KCB Bank Kenya is a wholly-owned subsidiary of the KCB Group. Its head office is in Nairobi, Kenya. Kenya Commercial Bank Limited is listed on the Nairobi Securities Exchange
Save this picture!© Ilya Ivanov+ 33Curated by Paula Pintos Share Architects: Tsimailo Lyashenko and Partners Area Area of this architecture project “COPY” CopyAbout this officeTsimailo Lyashenko and PartnersOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsMoskvaOn FacebookRussiaPublished on December 21, 2020Cite: “Kutuzovskiy XII Residential Building / Tsimailo Lyashenko and Partners” 21 Dec 2020. ArchDaily. Accessed 10 Jun 2021.
La Convención Nacional Republicana (RNC por sus siglas en inglés) produjo tal cantidad de puras mentiras como moscas en un montón de estiércol. Algunas de las mentiras han sido expuestas en varios medios capitalistas. Pero hay una mentira en relación con Donald Trump y sus seguidores que se repite como buena moneda por aquellos que deberían saber mejor.Y esa es que las/os constituyentes de Trump son trabajadores. Que su discurso rabioso y racista resuena con las/os trabajadores blancos que no tienen educación y carecen de refinamiento, al igual que Trump.Bueno, eso es un montón de bobadas. Sí está claro que las personas que vitoreaban a Trump en la Convención Nacional Republicana son racistas y anti-inmigrante, pero no son quienes están sintiendo el dolor económico real de un sistema que ha empobrecido a tantas personas y a la vez enriquecido enormemente a los muy, muy, muy pocos en la cima, incluyendo a Trump.Cuando Trump arremete contra las/os inmigrantes diciendo que quitan empleos “americanos”, y el público aplaude, ¿están estos realmente anhelando trabajar como niñeras o recoger las cosechas, o ser jornaleros, o trabajar en una fábrica que pronto va a cerrar porque la empresa traslada su planta en el exterior?No, las/os delegados a la RNC enamorados de Trump no sufren de bajos salarios o desempleo. Después de las primarias, las encuestas de salida mostraron que las/os votantes por Trump son un poco más ricos que el resto de nosotras/os, con un ingreso promedio anual de $72.000 en comparación con el ingreso promedio real estimado en el 2014 de $53.657. (Oficina del Censo de EUA, 2014)Otros votantes en las primarias republicanas tenían ingresos aún más grandes – los que votaron por Kasich llegaban a más de $91.000, por ejemplo. Así que es cierto que dentro del electorado republicano, Trump apelaba a los no-tan-ricos. Pero aún así, la base de este multimillonario no está definitivamente en la clase obrera. (Ver “The Mythology of Trump’s ‘Working Class’ Support”, (La Mitología del Apoyo “obrero” de Trump) tinyurl.com/jh5ncd4.)En el año 2011, la mitad de las personas en los EUA tenían un ingreso familiar promedio de menos de $50.000, y constituían el grueso de la clase trabajadora multinacional. Una cuarta parte de los hogares en Estados Unidos recibieron menos de $25.000 al año, y por lo general estaban encabezados por mujeres y/o personas de color. Desde entonces, los ingresos de las/os trabajadores han aumentado sólo ligeramente.Delegados ricachones de TrumpLos delegados que votaron por Trump en la convención están por supuesto, en mucha mejor posición económica que los que votaron por él en las primarias. Se necesita dinero para ser un delegado Republicano. A los delegados del partido de California se les dijo que solo su alojamiento les costaría entre $3.000 y $6.000. Se alojaron en hoteles donde las habitaciones oscilaban entre $300 y $400 por noche. (Cagop.org/national-delegation)Y les aseguro que habían bastantes agasajos con comidas y bebidas, así como los costos de transporte. En aquella semana de locura reaccionaria, un delegado fácilmente podría haber gastado lo que un trabajador de bajo salario ganaría en tres o cuatro meses.Por supuesto, si los delegados jugaron bien sus cartas, alguien con más dinero podría finalmente sufragar sus gastos. O eso es lo que esperarían.¿Trabajadoras/es o clase media?Los medios de comunicación neoliberales capitalistas han calumniado a la clase obrera al vincular a los trabajadores blancos con Trump. Lo que hace esto aún más irónico es que durante mucho tiempo, el mito en este país era que ya no había ninguna clase trabajadora aquí. Si alguien ganaba un salario digno sin tener que trabajar en dos empleos, ese trabajador de repente, era “clase media”. Al mismo tiempo, a las/os trabajadores más oprimidos se les calificaba de “subclase”.La “clase media” y la “subclase” fueron las palabras clave destinadas a separar a las/os trabajadores blancos de sus hermanas y hermanos de clase, quienes históricamente han sido pagados menos debido a la herencia de opresión racista de este país, que comenzó con la ocupación de los pueblos indígenas, luego reforzada por la institución de la vil esclavitud, después mediante la importación de trabajadores asiáticos mal pagados para construir los ferrocarriles, y más recientemente, con la labor de las/os trabajadores inmigrantes quienes son forzados a trabajar por bajos salarios.Esto no quiere decir que no hay racismo entre las/os trabajadores blancos. Pero al mirar a quienes se pronunciaron por Sanders y Clinton, está claro que la mayoría de las/os trabajadores blancos no se han ido al campo de Trump. Y la posición de Trump respecto a las/os trabajadores negros y latinos es, por supuesto, muy baja.El programa de Trump, si es que se puede llamar así, ya que parece ser que lo van componiendo a medida que avanza, es sacar provecho de las frustraciones de los de la clase media que tenían el sueño de llegar a ser tan ricos como él, pero vieron su ambiciones frustradas por la crisis que comenzó en 2008, justo en la época en que Obama fue elegido presidente.Qué conveniente para Trump el culpar al primer presidente negro por una recesión capitalista que no tenía nada que ver con Obama. En la convención, ni siquiera tenía que decir “negro” o “inmigrante” (lo que Trump insinuaba por el lugar de nacimiento de Obama). Todo lo que tenía que hacer era mencionar el nombre de Obama para evocar las exhibiciones más repugnantes de odio racista concentrado.La campaña de Trump ha dado luz verde a los misóginos, a los racistas, a los patrióticos que ondean la bandera estadounidense y a los elogiosos de la “ley y el orden” de la brutalidad policial. Ese es su principal peligro – la ratificación y el fomento de un retorno a los “buenos viejos tiempos” que, lamentablemente, no han terminado.Hasta los nazis y el Klan han salido de sus cuevas bajo la protección de Trump. David Duke, un notorio ex gran mago del Klan, se metió en el centro de atención al apoyar a Trump y luego anunció su propia candidatura para el Senado. Trump, al preguntársele si iba a repudiar el apoyo de Duke, fingió no saber quién era.Trump está tratando de sacar provecho de la reacción al progreso que se ha hecho contra la opresión después de décadas de luchas de masas en las calles. Esto llega en un momento en que el movimiento Las Vidas Negras Importan, el movimiento por los derechos LGBT, las luchas contra las deportaciones y el encarcelamiento en masa, el movimiento de mujeres por la libertad reproductiva y el movimiento de las/os trabajadores de bajos ingresos han luchado fuertemente y han despertado conciencia, lo que ha resultado en algunos éxitos legales – no muchos, pero lo suficiente para inflamar a la derecha.Trump, Clinton y el PentágonoLa única área donde Trump ha vocalizado sentimientos que parecen ir contra este sentido, es la militar. A diferencia de todos los demás candidatos imperialistas de por décadas, ha hablado de retirar tropas que luchan en el exterior, uniéndolo con la finalización o la “re-negociación” de acuerdos comerciales.Lo que Trump haría realmente como presidente es otra cosa. El estado imperialista estadounidense depende en gran medida de su capacidad para crear el caos en todo el mundo para allanar el camino para la súper explotación por parte de las empresas capitalistas transnacionales establecidas aquí. También proporciona contratos por valor de cientos de miles de millones de dólares a los mercaderes de la muerte que tienen un gran poder político. Pero en este momento Trump parece estar aprovechando el cansancio de las constantes guerras, entre los que incluso podrían considerarse bastión del sentimiento pro-guerra.Por supuesto, parte de esto es, sin duda, para sobrepasar a Hillary Clinton, que es una halcón guerrerista experimentada. Pero que su postura resuene entre los conservadores se debe tomar nota, sobre todo porque la crisis en el miserablemente inadecuado cuidado de salud y la adicción a drogas entre los veteranos militares alcanza niveles epidémicos.Un estudio reciente realizado por la Universidad de New Hampshire mostró, “De acuerdo con los registros del Departamento de Defensa de Estados Unidos, la juventud rural se está alistando en el ejército a un ritmo mayor que la juventud urbana y suburbana, y en todos menos ocho estados, las/os soldados de las zonas rurales constituyen una cifra desproporcionadamente alta de las víctimas”. Estas son las áreas geográficas en las que el Partido Republicano es más fuerte.El único punto brillante en este ciclo electoral es la determinación de los movimientos progresistas de quedarse en las calles y no dejarse intimidar por las amenazas o persuadido por sus “amigos” con la excusa de que la militancia es “contraproducente”. Las manifestaciones en Cleveland durante el RNC y en Filadelfia durante el DNC (Convención Nacional del Partido Demócrata) fueron fuertes y ponen de relieve que es la lucha, no las elecciones de dos partidos capitalistas, que traerán a la luz un futuro mejor.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare this
Facebook Bellaire Drive closed to pedestrian traffic printhttps://vimeo.com/141810292Students reacted to the new wing of the library with awe and excitement as they explored the new amenities for the first time last Thursday.The Mary Couts Burnett Library added 16,000 square feet of newly renovated space for students and faculty, and the grand opening celebration included free food, cheerleaders, SuperFrog and the chance to explore all the new features of the library.“It’s very nice,” said sophomore criminal justice major David Goodman. “I’m impressed with all the renovations and I can’t wait to study here. I’m really excited to get work done in here.”“It is a phenomenal facility and I look forward to putting many hours in here,” said John Paul Watson, a junior entrepreneurial management major.Students said the old library was crowded and they needed more space.“I can’t wait to see all the new study spaces,” said sophomore nursing major Kiana Powell. “It’s normally always crowded, and I know that it’s going to be really cool now.”The new Bistro Burnett also impressed students.“I love the cafe, and it’s super convenient,” said Tessa Redmond, a sophomore business major. “The food is also really good.”The library’s new amenities include a GIGA lab for multimedia editing, a Lizard Lounge area for students to relax, new study spaces and private study rooms, the Sandbox for students to test out new software, 3D printers, a purple cave for extra seating and more.The celebration brought in hundreds of students and faculty, and the reaction was mostly positive.“I’m very pleased with the student interest in the new part of the building,” said June Koelker, the dean of the library. “It’s very important for me that the library is celebrated because it’s a contributor very much to academic success.”[View the story “TCU community reacts to the new wing of the library” on Storify] Alum appearing on survival-style reality show ‘Stranded With a Million Dollars’ Facebook Linkedin + posts Kristen Weaverhttps://www.tcu360.com/author/kristen-weaver/ Starting the conversation about eating disorders on campus Kristen Weaverhttps://www.tcu360.com/author/kristen-weaver/ Kristen Weaver is a junior journalism and Spanish major from Plano, Texas, and a managing editor for the109. She is addicted to taking pictures of her food and petting any and every cat she can find. Kristen Weaverhttps://www.tcu360.com/author/kristen-weaver/ ReddIt The library opened last Thursday and was met with very great reactions. New music center to host 2 rounds of international piano competition Update: Suspect arrested in connection with death of TCC student ReddIt Twitter Kristen Weaver Kristen Weaverhttps://www.tcu360.com/author/kristen-weaver/ Twitter Previous articleClub polo sees huge rise in numbersNext articleKimbell Art Museum honors Hispanic Heritage Month Kristen Weaver RELATED ARTICLESMORE FROM AUTHOR It’s official: Caylin Moore is a Rhodes Scholar Linkedin Construction standards promote sustainability
2021 NFL Mock Draft (Part 1) Special 2020/21 NFL Exit Interviews – NFC West Jack Wallace ReddIt Twitter Twitter 2021 NFL Mock Draft (Part 1) Special printJack and Noah discuss the NBA Finals beginning, college football including TCU’s debut loss and NFL Week 3 highlights including the Rams’ almost-comeback and the Falcons’ second choke in two weeks. Follow us @BlanketCovPod on Twitter and @blanketcoveragepodcast on Instagram for more updates! Linkedin + posts Jack Wallacehttps://www.tcu360.com/author/jack-wallace/ 2020/21 NFL Exit Interviews – NFC East Jack Wallacehttps://www.tcu360.com/author/jack-wallace/ TAGSBasketballbubblecollege footballfootballjack wallacenbaNFLnoah parkerpodcast Jack is a junior journalism major and studio art minor from Atlanta, Georgia. He enjoys everything sports and co-runs the Blanket Coverage podcast as well as photographs for TCU360. Previous articleInstructors look to continue using technology after the pandemicNext articleTCU has isolation rooms for students with COVID-19 Jack Wallace RELATED ARTICLESMORE FROM AUTHOR ReddIt Facebook Linkedin 2020/21 NFL Exit Interviews – NFC West Jack Wallacehttps://www.tcu360.com/author/jack-wallace/ Fort Worth’s first community fridge program helps serve vulnerable neighborhoods Facebook TCU News Now 4/28/2021 Jack Wallacehttps://www.tcu360.com/author/jack-wallace/
Demand Propels Home Prices Upward 2 days ago Tagged with: Employment Forbearance Unemployment Urban Insitute Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured, Foreclosure, News May 18, 2020 1,500 Views The Best Markets For Residential Property Investors 2 days ago Employment Forbearance Unemployment Urban Insitute 2020-05-18 Seth Welborn Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Seth Welborn Related Articles Servicers Navigate the Post-Pandemic World 2 days ago Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. The Best Markets For Residential Property Investors 2 days ago Previous: Recession Versus Depression: Housing Impact Next: GSEs Update Foreclosure Prevention Actions The Link Between Unemployment and Forbearance Home / Daily Dose / The Link Between Unemployment and Forbearance With unemployment at record levels, many need to put off mortgage payments through forbearance. However, can unemployment numbers predict the number of mortgages that go into forbearance?According to a study from the Urban Institute, the relationship between forbearance and unemployment is complicated. To determine how much support mortgage servicers need requires some estimate of the mortgage forbearance rate, which researchers note is not easy. Urban offers three reasons the forbearance rate might be higher than the homeowner unemployment rateOne reason the forbearance rate might be higher than the unemployment rate is that borrowers who were experiencing financial hardships before COVID-19 will likely seek forbearance under the CARES Act. Some of these borrowers may opt to take advantage of the new forbearance option, which does not require proof of unemployment or income reduction.Additionally, many people who have lost some income do not qualify for unemployment. Although some states have a concept of partial unemployment, the rules generally require workers to earn less than they would in unemployment benefits if they were fully unemployed.Last, Urban states that as the CARES Act does not require borrowers to submit documentation to verify a hardship, borrowers might seek forbearance in anticipation of future job loss.Urban also lists three reasons why the forbearance rate could be lower than the unemployment rate. For example, researchers suggest that even unemployed homeowners may be in a good position to pay their mortgage. Urban cites The American Community Survey, which shows that the median family income of homeowners of $93,000 is much higher than the median family income of homeowners without a mortgage ($55,000) or of renters ($41,000). This means that many homeowners have savings or can tap into their home equity to make their payments.Second, Urban states that CARES Act payments alongside boosted and base unemployment benefits may replace lost wages entirely, allowing many unemployed homeowners to make their mortgage payments.Finally, researchers point to the fact that the unemployment rate does not take dual incomes into account. Homeowners are more likely to be married and have dual incomes than renters, so some households may be able to continue paying their mortgages. If one borrower has lost his or her job, but the co-borrower has not, the family may still be able to pay the mortgage. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Sign up for DS News Daily Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Print This Post
Pinterest Facebook The Heritage Council is inviting applications to its Community Heritage Grant Scheme.The aims of the grant scheme are to support capital projects that improve access and inclusion to heritage sites and that apply good heritage practice to the management of places, collections, objects and buildings.The scheme also supports the purchase of essential equipment.Grant applications must be submitted using the Heritage Council’s on-line application system at www.heritagecouncil.ie by 5 p.m. on the closing date of Tuesday, September 15, 2020.Donegal County Council’s Heritage Officer is Joe Gallagher:Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2020/09/gallagher.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. WhatsApp Google+ Arranmore progress and potential flagged as population grows Funding available for heritage projects in Donegal Homepage BannerNews Twitter Loganair’s new Derry – Liverpool air service takes off from CODA RELATED ARTICLESMORE FROM AUTHOR Important message for people attending LUH’s INR clinic Pinterest Community Enhancement Programme open for applications Previous articleWeather warning issued for DonegalNext articleShane Duffy says joining Celtic is a huge honour News Highland By News Highland – September 2, 2020 Google+ Facebook WhatsApp Publicans in Republic watching closely as North reopens further Twitter Nine til Noon Show – Listen back to Monday’s Programme
Senior academics have been calling for a rise in tuition fees to counter-act the academic “brain drain” in the wake of the government’s announcement of a Higher Education funding review.The senior academics from a wide range of British universities claim that higher wages in countries such as the USA are causing many top academics to move abroad, leading to a lower standard of education in the UK. A study last year from the Organisation for Economic Co-operation and Development found that Britain was suffering the worst “brain drain” of any developed country. The academics believe the only way of stemming the flow of the best and the brightest is to up fees in order to improve standards.Andrew Oswald, Professor of Economics at Warwick University, argued the tuition fee cap should be removed altogether, allowing universities to charge their own fees. He said ministers would have to be much stronger to stop a “systematic move” of top scholars from the UK.Dr Anna Vignoles, senior lecturer at the Institute for Education, part of the University of London, agreed, “The United States operates on a completely different system. Tuition fees are higher and academic pay is higher. We need to increase tuition fees.”The academics’ arguments will frustrate those campaigning against a hike in fees, including Oxford’s Student Union and other student activists who swung into action after the announcement last week.Stefan Baskerville, OUSU president, who advocates a graduate tax pointed out, “Increased funding is not the same as increased fees: there are other ways to get more money into higher education that don’t involve burdening students with debt. No evidence has been presented that increased funding has to take the form of higher fees.”He added, “Funding is one of a range of factors that influence where academics choose to work.”Richard Holland, St Anne’s JCR rep for academic affairs, also opposed the academics. “I would prefer to see the extra money required to keep top academics in Britain raised through Government support and a greater emphasis on the University seeking the financial support of Alumni and other private donors rather than current students. Raising tuition fees by large amounts or leaving them uncapped will only deter those highly intelligent candidates who simply can’t afford to come to University – as in the situation amongst many American Institutions.”Many students are concerned of the effect a fee rise would have on access. Oliver Richards, St Anne’s 2nd year said, “I can’t understand how universities can justify considering this as a policy. they repeatedly espouse the opinion that they need more state school and lower income students, yet they propose raising tuition fees to a level that would leave many students with debts of over £30,000 on graduation and those studying medicine with around £70,000.”Last week, delegates from OUSU, including president Stefan Baskerville, lobbied Westminster as part of their campaign to raise awareness of the government’s review of the Higher Education funding. This campaign is a part of the wider NUS “funding for our future” campaign.Commenting on the campaign Baskerville said, “Last week was great. There was loads of energy at Westminster as students lobbied their MPs. After meetings with students from Oxford, both of Oxford’s local MPs committed to voting against increased fees in the next parliament. At the same time, more than thirty students spent several hours in Oxford talking to students about the issue and handing out flyers, and the response to them was very positive.”However, he appreciates that this is merely the beginning, and that there is a long way to go. “We need to increase the profile of alternatives to fees such as a graduate tax, which would see graduates paying back into higher education according to what they earn. Clearly higher education needs to be funded adequately to maintain standards, and the question is how to achieve that. We think fees are not the way forward – there are fairer and more sustainable alternatives available.”