First Quantum Minerals (FQMZ.zm) listed on the Lusaka Securities Exchange under the Mining sector has released it’s 2012 abridged results.For more information about First Quantum Minerals (FQMZ.zm) reports, abridged reports, interim earnings results and earnings presentations, visit the First Quantum Minerals (FQMZ.zm) company page on AfricanFinancials.Document: First Quantum Minerals (FQMZ.zm) 2012 abridged results.Company ProfileFirst Quantum Minerals Limited is an international holding company overseeing the extraction of copper, nickel, gold, zinc and acid through mining operations in Zambia, Australia, Finland, Turkey, Spain and Mauritania. The mining corporation operates six mines: Kansanshi copper-gold mine, Guelb Moghrein copper-gold mine, Las Cruces copper mine, Pyhasalmi copper-zinc mine, Ravensthorpe nickel-cobalt mine and Cayeli copper-zinc mine. Its subsidiary divisions have interests in evaluating and acquiring mineral properties, regulatory reporting, treasury and finance, corporate administration, and a metal marketing division. Copper is the main commodity mined by First Quantum Minerals in Zambia, and gold is a by-product commodity. First Quantum Minerals Limited is listed on the Lusaka Stock Exchange
The Bee Equity Partners Ltd (FIDE.mu) listed on the Stock Exchange of Mauritius under the Investment sector has released it’s 2014 interim results for the half year.For more information about The Bee Equity Partners Ltd (FIDE.mu) reports, abridged reports, interim earnings results and earnings presentations, visit the The Bee Equity Partners Ltd (FIDE.mu) company page on AfricanFinancials.Document: The Bee Equity Partners Ltd (FIDE.mu) 2014 interim results for the half year.Company ProfileThe Bee Equity Partners Limited (formerly Forward Investment and Development Enterprises Limited) operates as a private equity firm that is involved in small to medium enterprise investments. The company also offers financial solutions for entrepreneurs in Mauritius. The company’s segments include stone crushing, block making and investment activities. The Bee Equity Partners Limited is listed on the Stock Exchange of Mauritius.
2019 “COPY” Photographs: Mariela Apollonio, Bård Gundersen, Marte Garmann Manufacturers Brands with products used in this architecture project CopyApartments•Oslo, Norway CopyAbout this officeLund+Slaatto ArchitectsOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsOsloOn FacebookNorwayPublished on May 17, 2020Cite: “Munch Brygge Residential Complex / Lund+Slaatto Architects” 17 May 2020. ArchDaily. Accessed 10 Jun 2021.
Donors attempting to give at the original Securetrading.net Web page are automatically redirected after one second to the new BT donation page.UK Fundraising suggested earlier today that it was about time that the DEC sought external and preferably donated technical help to ensure that its Web site was able to handle the demand.Although BT’s assistance seems to have resolved this issue, the DEC’s site’s front page still says, in red text, “Due to high volume of traffic on our website you may experience difficulty making a donation online… please please try later, we need your money”.BT has also donated £500,000 to the DEC appeal and said that it wanted to work with other major corporations to assist the appeal for funds. The communications company is also providing equipment and locally-based telecommunications experts in the affected regions.As well as the online donations service BT is also supporting the DEC fundraising efforts by providing network management and technical expertise for the appeal help-lines, together with volunteers to answer phones during a live appeal for funds at the BT Tower. About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis BT steps in to help DEC handle online donations Howard Lake | 30 December 2004 | News Tagged with: Digital Trading 35 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis BT is helping the Disasters Emergency Committee (DEC) handle online donations after the umbrella body’s Web site failed to cope with the volume of traffic it has been receiving for the past 48 hours.The Disasters Emergency Committee (DEC) has struggled to make its online donation service available in the wake of unprecented demand by the UK public to make online donations to its Tsunami/Earthquake emergency appeal. The online donations were being handled by Securetrading.net.Donors who click to give online are now being directed away from the DEC’s site to a secure donation page on a BT microsite at donate.bt.com. BT’s support is acknowledged at the bottom of the donation form with a “powered by BT” logo button and the text “Secure donation powered by BT”. Advertisement
Keith Williams, General Manager UK and Ireland, JustGiving, said:“It’s fantastic to be celebrating our 10th anniversary of the JustGiving Awards this year, recognising the incredible work and dedication of some of the most inspiring fundraisers and charities. Whether that’s pushing themselves to complete enormous physical challenges, saving their own life with pioneering medical treatment or campaigning to make a positive difference to the world – these people turn to JustGiving every day to prove that giving changes lives.”“Last year, we received over 70,000 wonderful nominations in total, and we can’t wait to see what fantastic submissions will be made for 2019.”The 27 finalists will be announced on 24 July, with the awards ceremony taking place on 22 October in London.Previous winners include the Bradley Lowery Foundation, George and the Giant Pledge, Josh Patterson and Jeff Stelling. 320 total views, 2 views today Tagged with: Awards Justgiving About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis37 This year’s JustGiving Awards have now opened for nominations, with a closing date of 30 June.2019 marks the 10th year of the awards, which celebrate outstanding individuals, charities and teams who have raised money with JustGiving over the past year.Categories for the awards include:Endurance Fundraiser of the YearCelebrity Fundraiser of the YearYoung Fundraiser of the YearCreative Fundraiser of the YearCharity of the YearFundraising Team of the YearOutstanding CommitmentNominations can be made on the JustGiving site. Advertisement 321 total views, 3 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis37 JustGiving Awards open for nominations Melanie May | 8 May 2019 | News
Anti-fascists held in cages at Odessa court.Photo: timer.od.uaA frame-up trial of 20 anti-fascist activists began on Nov. 27 in the Primorsky court in Odessa, Ukraine. The defendants are among 70 people jailed or held under house arrest since the May 2 massacre at the House of Trade Unions.Armed fascist goons from western Ukraine were bused into the southeastern city in April and May to suppress the protest movement against the U.S.-backed government in Kiev, which took power in an illegal coup last February.Unleashed on the multinational port city, the ultra-right attacked and burned an Occupy Wall Street-style encampment on Kulikovo Field. Anti-fascists fled to the nearby House of Trade Unions. The neo-Nazis shot at, gassed and finally burned those inside. Survivors who jumped from the blazing building were beaten, some to death.Officially, 48 people were killed in the massacre, though activists believe the true number is far higher.None of the neo-Nazis who carried out the massacre have been jailed, much less put on trial — despite the existence of extensive video footage and photographs of the massacre, some of it proudly posted online by the fascists themselves. An official parliamentary inquiry into the tragedy led to stonewalling by police and the Interior Ministry.The preliminary hearing of the anti-fascists in the Primorsky court was a farce, as reported by independent news site Timer. The 20 defendants were caged. Many of their attorneys were absent. Just 10 minutes before the hearing was scheduled to started, the prosecutor requested a 60-day extension of the prisoners’ detention. The request was granted.The hearing started late. After a brief appearance, the judge hid in his chambers. Eventually the hearing was declared over, to be resumed Dec. 3, but the defendants refused to come out of the cage and leave the courtroom. They chanted, “Freedom to political prisoners!” and “No to the bloody regime!” (Timer.od.ua, Nov. 27)Family members and supporters in the courtroom shouted, “Shame on the Primorsky court!” as police forced them out. Outside, right-wingers attacked two defendants.After that debacle, the Primorsky court refused to hear the case further, referring it to the Odessa Regional Court of Appeals, which promptly sent the case back. As of Dec. 12, Primorsky was still refusing the case.Albu: ‘Prisoners must feel our support’Workers World spoke about the trial and the situation in Odessa with Odessa Regional Council Deputy Alexei Albu, a leader of the anti-fascist movement and survivor of the May 2 massacre. A coordinator of the Marxist organization Union Borotba (Struggle), he was forced to leave the city in May under threat of arrest. Albu currently lives in exile in Crimea, where he co-founded the Committee for the Liberation of Odessa and the investigative website 2May.org.“Among the 70 opposition members arrested by the government are people of different political views, and even some bystanders, who are accused of various crimes,” Albu explained.“The charges include terrorism, attempting to change the borders of Ukraine and support for the People’s Republics of Donetsk and Lugansk. Some are accused of plotting a coup — even though those in power now got there through a coup!“All the political prisoners are united in hatred of the neo-fascist regime,” he said. “They include anti-capitalists like Vladislav Wojciechowski and Nikolai Popov.”“The authorities can’t prove the guilt of the defendants,” stated Albu, noting that some gave confessions under torture. “The judges themselves realize these people aren’t guilty, but they are under intense pressure from the executive branch to condemn the anti-fascists in Odessa. The judges understand that they have to live in Odessa and look people in the eye, which is why they are refusing to deal with the criminal cases.”Albu said the Committee for the Liberation of Odessa is urging people to come out and support the political prisoners at future court dates: “We have to be in the court because the political prisoners must feel our support. They must feel that they are not alone. They need to understand that everything they did was not in vain.”Protests grow bolderAfter seven months of occupation by neo-Nazi gangs and intense repression, Odessa workers and anti-fascist activists are growing bolder in their resistance.Kiev and the local rulers are doing everything they can to suppress protests, Albu told WW, explaining that “coming to the courthouse, relatives and supporters are arrested or attacked by organized ultra-nationalists.”Yet activists and victims’ family members continue to gather every Sunday on the Kulikovo Field to mourn those who died on May 2, despite facing frequent harassment from police and violence from junta supporters.A man was arrested at the Dec. 7 commemoration, after putting on a St. George’s ribbon, the orange-and-black striped symbol of the anti-fascist movement and the Soviet victory over Nazism in World War II. Police dragged him off in front of his crying 8-year-old son and detained him for several hours. (Borotba.su)On Dec. 10, an explosion ripped through a so-called volunteer center — actually a fascist organizing headquarters that gathers supplies for the Anti-Terrorist Operation (ATO), the regime’s brutal war against the independent People’s Republics of the Donbass mining region. (Molbuk.ua)More than 600 workers walked off the job Dec.14 in a bold anti-war action at the Odessa Portside Plant, one of Ukraine’s largest chemical facilities. The workers demanded an end to the economic blockade against the Donetsk and Lugansk People’s Republics.Because of the war in Donbass, the plant has lost business, and is now operating at 30 percent of capacity. Workers held signs and banners reading, “No economic blockade” and “Make peace so we can work.” They also demanded the rehiring of laid-off workers. (Tribuna.ru, Dec. 15)The combination of the civil war unleashed by Kiev, austerity measures demanded by the U.S. and European Union, and the global crisis of capitalism has pushed Ukraine to the brink of bankruptcy.Like many areas of the country, Odessa suffers from rolling power outages, utility and rent hikes, and cuts in social services. On Dec. 13, the government predicted consumer gas prices would jump three to five times higher this winter.In response, Kulikovo activists are planning to protest at the Odessa Regional State Administration building on Dec.19. Under the slogan “We want to live, not just exist,” they are calling on local residents to join them. (Timer.od.ua, Dec. 15)“Today everyone understands that the regime in Ukraine will not last long,” said Albu. “The junta will fall, and everyone who helped the ATO, who attacked our loved ones, who threw our friends into prison, who made them starve, will have to answer for it.“It’s this awareness of imminent retribution that hardens the fascist attack dogs. But the pendulum of history has already started moving back and there’s no getting around it,” Albu concluded.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare this
ReddIt Facebook Linkedin The109: Former President George W. Bush’s visit may cause traffic disruptions Fort Worth set to elect first new mayor in 10 years Saturday Twitter Facebook Chandler Highfillhttps://www.tcu360.com/author/chandler-highfill/ Chandler Highfillhttps://www.tcu360.com/author/chandler-highfill/ Abortion access threatened as restrictive bills make their way through Texas Legislature Former President George W Bush’s visit may cause traffic disruption ReddIt Cliburn in Sundance Square Linkedin FW Parking app receives warm reception Grains to grocery: One bread maker brings together farmers and artisans at locally-sourced store Twitter + posts printCommuters could experience some congestion while driving near TCU next week.Former President George W. Bush will be the keynote speaker at TCU’s 14th annual Investment Strategies Conference on Friday.The conference will include two different functions. The first is a series of morning sessions in the D.J. Kelly Alumni Center off Stadium Drive. Later that day will be a luncheon where the former president will give his keynote address held in the Brown-Lupton University Union.TCU Police Sgt. Kathy Moody said TCU and Fort Worth police will be working that day to keep traffic flowing smoothly.“There will be two police officers assisting with crossing Stadium Drive during the lunch hour,” Moody said. “There will be restricted access to the BLUU Ballroom area, but the goal is to not cause a disruption to student activities.”In addition, two visitor parking lots will be closed for the day and designated for “trustees and distinguished guests,” Moody said.Fort Worth police Sgt. Steven Enright said the route of the former president’s procession can’t be released due to security concerns. Previous articleHarper Lee, ‘To Kill a Mockingbird’ author, dead at 89Next articleResidents find furrier Valentines to love Chandler Highfill RELATED ARTICLESMORE FROM AUTHOR Chandler Highfill Chandler Highfillhttps://www.tcu360.com/author/chandler-highfill/ Chandler Highfillhttps://www.tcu360.com/author/chandler-highfill/
NewsPoliticsO’Donovan confusion over internet browser controlsBy Alan Jacques – January 24, 2014 788 Facebook Advertisement Minister Patrick O’ Donovan announces opening of Limerick heritage site to the public for the first time RELATED ARTICLESMORE FROM AUTHOR Patrick O’Donovan announces €420,000 in funding for Limerick Greenway Celebrating a ground breaking year in music from Limerick #HearThis: New music and video from Limerick rapper Strange Boy Linkedin WhatsApp Previous articleEmergency services put their backs into life-saving researchNext articleCouncil tribute to ‘quiet man’ Peadar Alan Jacqueshttp://www.limerickpost.ie Email Emma Langford shortlisted for RTE Folk Award and playing a LIVE SHOW!!! this Saturday Twitter #SaucySoul: Room 58 – ‘Hate To See You Leave’ TAGSFine GaelMusic LimerickOireachtasPatrick O’Donovan WEST Limerick Fine Gael TD Patrick O’Donovan is calling for tougher controls on the use of open source internet browser and payment systems, which he claims allow users to remain anonymous in the illegal trade of drugs, weapons and pornography.Deputy O’Donovan, who has asked the Oireachtas Communications Committee to investigate the matter, claimed that an online black market is operating that protects the users’ anonymity through the use of open source internet browsers and payments systems.Sign up for the weekly Limerick Post newsletter Sign Up “This effectively operates as an online supermarket for illegal goods such as drugs, weapons and pornography, where it is extremely difficult to trace the identity of the buyers. We need a national and international response to clamp down on this illicit trade.“Given the severity of the issue, the Oireachtas Committee on Communications, of which I am a member, should invite relevant agencies including the Gardaí and Customs to participate.“Law enforcement agencies in the United States have recently taken action to address this issue, but replacement browsers quickly appeared to ensure the continuance of the illegal trade. This proves the need for enhanced international co-operation to ensure those involved in these activities can be brought to justice,” said O’Donovan.However, there has been some confusion arising from the West Limerick TDs statement, with many questioning the credibility of his views.A blogger for the broadsheet.ie website claimed Mr O’Donovan’s statement was “utterly incoherent”.“He talks about open-source browsers, and “replacement” open-source browsers quickly appearing to continue the illegal trade. But this is nonsensical.“The only non-open-source browser in common use today is the much-in-decline Internet Explorer; while Chrome and Safari are technically closed source, they are substantially open source. Firefox is entirely open source. And there’s nothing illegal about open source browsers. I can only imagine that by “open source browsers” he means ‘TOR network sites?” one blogger pondered.“My issue is more the amazing carelessness. It would have taken O’Donovan five minutes of reading Wikipedia to, if not have a clear picture of what was going on, at least know better than to write what he did. It makes it all the worse that he is on the Communications Committee,” said the blogger.Meanwhile, another online source accused the Limerick TD of “confusing the issue of the TOR Project, an open-source effort to create an anonymising proxy network from volunteer machines, with open-source web browsers like Firefox and Chromium”.The Limerick Post contacted the Mr O’Donovan for clarification but there was no response at the time of going to press. Print
The Best Markets For Residential Property Investors 2 days ago Print This Post Share 1Save Chattel Loans Florida Homebuyers Homeowners Manufactured Housing mobile homes mortgage Oregon Property Regulations Vermont 2018-09-05 Radhika Ojha Previous: How Property Investors Can Better Identify Fraud Next: 10 Cities That Provide Value for Money on Homes About Author: Debbie Hoffman Tagged with: Chattel Loans Florida Homebuyers Homeowners Manufactured Housing mobile homes mortgage Oregon Property Regulations Vermont Sign up for DS News Daily Debbie Hoffman is Founder & CEO of Symmetry Blockchain Advisors working with clients in their endeavors related to education, strategy and development of blockchain solutions. With her experience in financial services, law and technology innovation, Debbie brings a unique perspective to blockchain innovation. Debbie was previously the Chief Legal Officer at Digital Risk and a finance attorney at Thacher Proffitt & Wood in New York. She served as a professor at the Florida A&M University College of Law and the University of Central Florida. In 2018 Debbie was named a NAWRB Roaring Thirty Winner.” In 2017 Debbie was named as a Top General Counsel by First Chair Awards, received an Honorable Mention in MReport’s Women in Housing and was a “Hot 100” in Mortgage Professional America. She was selected as a Woman of Influence by Housingwire Magazine multiple times and has been the receipt of two Stevie® Awards. September 5, 2018 4,865 Views About Author: Alexandria Decatur Governmental Measures Target Expanded Access to Affordable Housing 2 days ago There are over 800,000 mobile homes across Florida, according to estimates from the past two years. This is the largest number of mobile homes in any state across the United States. Other types of manufactured housing such as modular homes add to these numbers. With so many manufactured homes in the state, Florida leads in setting advanced laws and regulations concerning manufactured housing. Florida’s unique and innovative practices in this field have been somewhat overshadowed by the developments in Vermont and Oregon in recent years, nonetheless, Florida’s standards are monumental in their successful implementation and effectiveness as exemplified by the fact that manufactured homes and communities have become more safe and healthy environments for residents. In many ways, Florida has surpassed the regulation and lending requirements established under the Uniform Manufactured Housing Act to improve both the opportunities for owning manufactured homes and the conditions of these homes. Due to the high number of manufactured homes in the Sunshine State, it is especially important to review regulations and procedures enacted in Florida as a model for regulations that work well in states with high volumes of occupied manufactured homes. Essentially, there are two notable manufactured home practices in Florida that distinguish it from many other states across the U.S.: (1) the strict installation and installation license requirements, and (2) the Florida Department of Health’s publicly-available inspection database. Strict Installation RequirementsThe United States Department of Housing and Urban Development (HUD) requires that all states set a minimum installation standard and an operating installation program. While HUD has set a national minimum standard that all states must meet, called the HUD-Administered Manufactured Home State Installation Program, several states have elected to adopt more stringent installation standards than those required by this program. Florida is one of those states. To receive an installation license in Florida, the Florida Department of Highway Safety and Motor Vehicles requires that the installer must comply with a multi-step process. First, the installer must complete a pre-license course and pass a license examination. Next, the installer must secure a $5,000 surety bond. The installer must also hold a liability insurance policy for a minimum of $100,000. Finally, all installers are required to provide new manufactured homeowners with a one-year installation warranty. It is also mandatory for installers to renew their license annually. Installers who meet all of these requirements can install the manufactured home and complete all the necessary plumbing installation work, but cannot perform any of the electrical setup needed for the home’s installation. These steps require a different license and an electrician must be employed separately to complete this part of the installation process. These regulations appear to have met the necessary safety purposes for installing manufactured homes. According to data gathered by the Florida Department of Highway Safety and Motor Vehicles between 2004 and 2005, manufactured homes built and installed according to the established state standards did not experience any significant damages despite the intense weather conditions regularly encountered by the state. Securing the Communities Florida also provides a significant amount of critical information about manufactured home communities to the general public via online databases such as the FloridaHealth website, a source maintained by the Florida Department of Health. It allows users to search for communities by name, county, address, inspection date, and the result of the inspection. The list of search results includes all this information and a link to download the complete inspection report for each community. Compared to most other states, this database provides thorough information about the condition of these communities. This information is accessible by regular inspections of all registered manufactured home communities located throughout the state by the Florida Department of Health. All conditions essential to the health and safety of those residents of manufactured home communities are examined and their conditions are reported in the state inspection report that is then filed with the Department of Health. Opportunity for Improvement While Florida has enacted several important practices that have benefitted residents of manufactured homes, best practices enacted in other states that, if followed in Florida, would likely further improve conditions for Florida residents. These changes would advance the rights of residents and increase the information available about manufactured homes and manufactured home communities throughout the state. Best Practices in OregonIn July 2016, Oregon’s Department of Housing and Community Services created the Oregon Manufactured Home Park Directory, an interactive computer-generated imagery (CGI) map with detailed information about each manufactured home community in the state. The information includes the size of the community, its total resident population, and the area surrounding the community. Supplementing this same type of information to the existing database in Florida would improve the amount of data available to Florida residents about the conditions of manufactured homes and communities throughout the state. The state of Oregon has also enacted measures and requirements that benefit residents of manufactured home communities throughout the state. According to information provided by the Legal Aid Services of Oregon, owners of manufactured home communities in Oregon must give residents at least 365 days’ notice before they close communities and must also financially assist residents who are forced to abandon or relocate their homes based on the closure of the community. Based on the size of the resident’s home and the decision to either relocate or abandon his or her home, the owner of the community must pay residents $5,000, $7,000, or $9,000. Residents who live in manufactured home communities in Oregon also have protection against eviction following their violation of rental agreement terms. In Oregon, if a resident violates the terms of his or her rental agreement, he or she cannot be evicted from the community until the receipt of a written notice with a 30 day period in which to cure the matter at stake. If the resident takes this time period to rectify the issue and again violates the same term, the resident must then receive another written notice providing for 20 days in which the matter may be rectified prior to eviction. These requirements help ensure that residents are notified and allowed sufficient time to resolve any problems before they are evicted for violating rental terms of which they might not even be aware. Best Practices in VermontIn Vermont, owners of manufactured home communities are required to give residents a minimum of 18 months’ notice before the closure of a community and 45 days’ notice before any sale or offering for sale of such community. If an offer is made by either a non-profit organization or a tenant-owned group during this sale pending period, the owner must negotiate with these groups in good faith and cannot make a final decision regarding a sale for an additional 120 days. Currently, based on data gathered by Vermont’s Agency of Commerce and Community Development, the state has 58 tenant-owned or non-profit owned manufactured home communities. These groups often have the best interests of the community and residents in mind because their main objective is not to make a considerable profit from their control and ownership of the manufactured home community, but rather to promote the community and improve living conditions for all of the residents. Manufactured Housing and MortgageIn Oregon, a purchaser of a manufactured home can classify it as either real property or personal property (chattel) depending on the state conditions that are met. A manufactured home can be classified as real property if the home and the land on which the structure is placed are both owned by the same person. However, if the land and structure are owned separately, the property will likely be classified as personal property. In Oregon, a manufactured home that is classified as personal property will likely qualify only for a chattel loan and not a traditional mortgage. Often chattel loans offer less favorable terms, including higher interest rates. In Oregon and Vermont, manufactured homeowners can receive financing with favorable terms more easily. In Oregon, these homes can be classified as real property so long as the homeowner has obtained a long-term lease for at least 20 years or owns the land on which the home will be affixed. After being classified as real property, owners of these manufactured homes can obtain loans with more favorable terms. Vermont’s regulations make it easier to receive financing with more favorable terms. In Vermont, certain loans and payment programs are readily available to owners of manufactured homes, regardless of the lease length or property ownership. For example, the Champlain Housing Trust offers a deferred payment program for manufactured homes and the Vermont State Employee Credit Union offers a manufactured home mortgage that is available for all homes that were built after 1976 and were located on either owned property or in a manufactured home community. The terms for these mortgages offer low fixed-interest rates. Getting a Mortgage in FloridaThe laws in Florida currently require manufactured homes to be financed as personal property, secured by financing statements, instead of securing such financing pursuant to a mortgage loan. Residents of Florida can only secure mortgages for homes that are classified as real property and the title to the property has been retired. In Florida, manufactured homes are not classified as real property until after the home has been permanently affixed to a plot of land and the land on which the home is affixed is either (i) owned by the homeowner or (ii) land on which the homeowner has secured a lease of at least 30 years. Moreover, to retire title for a piece of property, its original title and legal description must be filed with the county clerk for the county in which the home is located. A sworn statement by the owner that iterates the ownership or secure lease of the land is also needed to retire title to the land. It’s difficult to obtain a 30-year lease on land for a manufactured home because there is no incentive for owners of manufactured home communities to offer long-term leases. Purchasing a new manufactured home and the land on which to place it can also be costly for homeowners making it difficult for individuals to obtain a manufactured home without any mortgage options to offer financial assistance. However, if one can meet the terms necessary to reclassify the manufactured home as real property, then a mortgage can be secured easily and readily. If a manufactured home is expressly classified as personal property when it is transferred or sold to another party, that home cannot qualify for reclassification as real property because, unlike Oregon, Florida does not offer a reclassification process for these homes. The property must then only be classified as personal property on all loan, security, and financial documents. This introduces a distinct barrier to obtaining mortgages for manufactured homes. Since the federal funding regulations apply to all loans granted on manufactured homes in Florida, these homes must be classified as real property to receive mortgages with favorable loan terms. However, if residents are unable to meet the set requirements to have the homes classified as real property, the homes must still be classified as personal property. Individuals obtaining financing on manufactured homes that could only be classified (and secured) as personal property are likely to receive less favorable loan terms than if these homes were classified as real estate secured by mortgage loans. This is unfortunate because this property classification prevents marginal borrowers from obtaining loans with the favorable and necessary terms to successfully purchase a property. The conditions for buying a manufactured home in Florida could be improved by changing the property classification requirements for these homes. Residents would greatly benefit from their state adopting the same policies as those of Oregon because manufactured homes could then be reclassified from personal property to real property when sold or transferred between parties. Since this would greatly improve the loan terms offered to borrowers purchasing manufactured homes in these circumstances, it would further the hope of future homeownership. The practices in Oregon and Vermont that benefit and protect residents of manufactured home communities could also be implemented in Florida to benefit and protect residents of manufactured home communities across the state. Florida has among the highest number of manufactured homes and manufactured home communities across the U.S., therefore it is especially important for such an enormous group to benefit by implementation of policies which safeguard their interests. Furthermore, there are changes that could be implemented to improve manufactured home financing means and help many other Florida residents successfully achieve their goals of home ownership. Alexandria Decatur is a rising third-year student at Albany Law School and an aspiring in-house corporate attorney. In addition to being Managing Editor for Production, Research, and Writingon Albany Law School’s Journal of Science and Technology and President of the Business Law Society, she also interns at the Community Development Clinic, which assists local startups and non-profits. Alexandria is also on the Pro Bono Society Executive Board and serves as Directorof the Worker’s Rights and LawHelp projects. 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Top StoriesLaw Student’s Plea In SC Seeks Relaxations In Time For Payment Of Fees In Universities Sanya Talwar14 Sep 2020 5:47 AMShare This – xA plea has been filed in the Supreme Court seeking issuance of appropriate directions to the Bar Council of India (BCI) and the University Grants Commission (UGC) to issue a circular mandating Universities and institutions across India to provide a reasonable time period for payment of fees by students as well as explore all grievances made by them through adoption of a common…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginA plea has been filed in the Supreme Court seeking issuance of appropriate directions to the Bar Council of India (BCI) and the University Grants Commission (UGC) to issue a circular mandating Universities and institutions across India to provide a reasonable time period for payment of fees by students as well as explore all grievances made by them through adoption of a common redressal mechanism.Filed by a 4th year law student, Ramey Krishna Rana, from Delhi Metropolitan Education, Noida (affiliated to GGSIPU) highlighting that the guidelines issued by the UGC & BCI on May 27 & July 27 respectively were unheeded by Universities for sympathetically dealing with payment by students for annual/semester fee, tuition fee, examination fee, etc. and considering alternative payment options for them in light of the prevailing circumstances.”While, on the basis of above mentioned Circular numerous emails, messages and even calls were made to the college/university authorities by the students to create a middle path for ending the debacle inter-se, but to the students’ dismay, none of the college authorities didn’t even burden themselves for once,” Rana contends.The petitioner states that the UGC has became a “toothless tiger” and despite thousands of students continuously writing to them to consider and cast a mandatory duty on Universities keeping in mind the stipulated Guidelines, no further intervention has taken by the UGC till date.”It is also alleged that such above-mentioned pending case is just the tip of an iceberg and if nothing is done at this stage countless students whose priority should be to have uninterrupted education and focus on the same, would be forced to approach Hon’ble courts against their respective universities which will not only create a tensed relation between the students and their respective institutions but moreover will create a burden on the already overburdened courts. Hence, if appropriate orders passed on this PIL then it would create Panacea for all the student fraternity. It’s requested to the court to provide creative solutions in this unprecedented time,” the plea reads.Elaborating on the aforementioned issue further, the petitioner avers that upon disappointment, several letters and emails were sent to the Bar Council of India to make them wary of the arbitrary practices leading to mental trauma for students in such unprecedented times after which the BCI issued a Circular to be “considerate on the point of fees” in order to save the interests of the Law student fraternity.However, many institutions didn’t pay any heed or a thought to the circular issued by the apex authority (BCI), states the petitioner.”…..we students are being continuously demanded to pay the full fees at one go within a short period while what the students wanted was to provide them a reasonable concession,” – Plea In SC by Law StudentFurther, the plea states that that many Institute/College authorities told the students that: “Yes these are apex educational forums (UGC & BCI) but their guidelines are advisory in nature so we are not going to abide by the guidelines as delivered.”The plea states,”Where a student should have been focusing on his education which has already been disturbed due to the pandemic, the same students are being forced to knocks the doors of the Courts of Justice to seek help and relief which is itself very disturbing. It is brought before this court that most of the students have already approached their college authorities’ numerous times but to our disappointment, students are not even being heard and college has turned deaf ears towards them and hence this PIL”In light of this, while many emails have been sent to the BCI on numerous occasions, highlighting the aforementioned issues faced by students, yet it has proven to be “rendered a toothless tiger” leaving the students alone with their plight.The law student petitioner makes it clear that the instant plea has no objections on the requirement of collecting fees, as it would “adversely affect their right to carry any occupation, trade or business guaranteed under Article 19 of the Constitution of India but that students be allowed to at least avail some sort of reasonable remedy as it might not be cumbersome for the institutions to allow concessions on humanitarian grounds. “We request them to listen to us by excluding only those miscellaneous charges which are not being utilized,” he contends, adding that under such unprecedented circumstances expecting parents to make full payments to college authorities in one go is unfair.”All over, the citizens confronted those 3 months where many parents were laid off from their offices, those 3 months where the business had to be shut down with 0% net profits, those 3 months where they received deducted payments, those 3 months where our many near and dear ones were not only fighting financially alongside the pandemic but continue to do so still and how all these unprecedented circumstances have affected even the basic income of families” – Excerpt of PleaIn this backdrop, the petitioner has also stated that while there is is no denying that the institutions also have an obligation to maintain the teaching/ non-teaching staff and undergo day-to-day expenditures which can only be met through the annual fees, a middle path for ending the debacle inter-se could have been done so as to initiate a dialogue, but nothing has been done and the students are suffering constantly for the same running from pillar to post.Furthermore, it is averred that no time extension is being provided for the students who are unable to pay the fees due to financial constraints and public shaming is done by posting all the details of fees defaulters in official/unofficial digital groups without thinking how it would affect the mental health of the student, while many other steps can be taken to personally communicate with the parents or students.”Issue an appropriate order directing the appropriate respondent for looking into the waiver of certain components of the fee, like utilization of infrastructure fee, library, other facilities etc. on the ground that no such utilization is being done as physical classes are not being held, in Centers of Education and such be excluded and that only a reasonable amount towards the tuition fees be charged and that no list containing the details of fees defaulter should be made public which will cause mental trauma,” reads one of the prayers of plea.Rana adds that recently in an ongoing case in Hon’ble Court, the UGC had submitted on an affidavit that “All universities are bound to follow the UGC guidelines,” many Universities are not doing so and the Commission has been rendered toothless. Additionally, the petitioner directions for providing students with a “rational period” must be granted by the respective authorities towards the payment of the fees by the way of instalments. “(a) Option 1: (PART PAYMENT CAN BE DONE ON MONTHLY BASIS) (b) Option 2: (PART PAYMENT CAN BE DONE SEMESTER WISE) It is thereby considered that any of the above-mentioned options for the part payment can opt upon the wisdom, convenience, and satisfaction of the college authorities,” the plea states.The plea is expected to be taken up by Supreme Court on September 17.Subscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Story