Lucara Diamonds Corporation (LUC.bw) 2011 Annual Report

first_imgLucara Diamonds Corporation (LUC.bw) listed on the Botswana Stock Exchange under the Mining sector has released it’s 2011 annual report.For more information about Lucara Diamonds Corporation (LUC.bw) reports, abridged reports, interim earnings results and earnings presentations, visit the Lucara Diamonds Corporation (LUC.bw) company page on AfricanFinancials.Document: Lucara Diamonds Corporation (LUC.bw)  2011 annual report.Company ProfileLucara Diamond Corporation is a diamond exploration and mining company which operates in southern Africa. Its principal asset is the wholly-owned Karowe Mine in Botswana where Lesidi La Rona was found; the world’s second largest gem-quality diamond. Karowe Mine consistently produces large Type IIA stones and has an estimated worth of $US2.2 billion unmined diamonds. Lucara Diamond Corporation also has interests in the Mothae Diamond Project in Lesotho and the Kavango Diamond Project in Namibia. The company was previously known as Bannockburn Resources Limited, but the name was changed to Lucara Diamond Corporation in 2007. Lucara Diamond Corporation is a member of the Lundin Group of Companies with its head office based in Vancouver, Canada.last_img read more

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Tilt Roof House / BCHO Architects

first_imgArchitects: BCHO Architects Area Area of this architecture project Year:  South Korea CopyHouses•Yangpyeong-gun, South Korea Houses Area:  161 m² Year Completion year of this architecture project ArchDaily CopyAbout this officeBCHO ArchitectsOfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesYangpyeong-gunIcebergOn InstagramSouth KoreaPublished on October 10, 2020Cite: “Tilt Roof House / BCHO Architects” 10 Oct 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogSinkshansgroheBathroom Mixers – LogisVinyl Walls3MExterior Vinyl Finish – DI-NOC™ StonePartitionsSkyfoldWhere to Increase Flexibility in SchoolsTiles / Mosaic / GresiteCupa PizarrasVentilated Facade – CUPACLAD UprightGlassLAMILUXGlass Roof PR60ConcreteKrytonCrystalline Waterproofing – KIMSkylightsVELUX CommercialAtrium Longlight Skylights in ExperimentariumMetal PanelsLorin IndustriesAnodized Aluminum – Copper FinishesStonesFranken-SchotterWall Covering & CladdingWindowsRabel Aluminium SystemsMinimal Casement Windows – Rabel 8400 Slim Super Thermal PlusSwingsStudio StirlingHanging Chair – BasketWallcovering / CladdingArrigoni WoodsWood Cladding – AcousticMore products »Save想阅读文章的中文版本吗?斜顶别墅 / BCHO Architects是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream 2014 Tilt Roof House / BCHO Architects Photographs:  Sergio Pirrone Architect In Charge:Byoung Cho, So-jin KangOther Participants:Young-sung Jun, Sung-chul HongCity:Yangpyeong-gunCountry:South KoreaMore SpecsLess SpecsSave this picture!© Sergio PirroneRecommended ProductsWoodTechnowoodPergola SystemsDoorsVEKADoors – VEKAMOTION 82Enclosures / Double Skin FacadesRodecaRound Facade at Omnisport Arena ApeldoornWindowsKalwall®Facades – Window ReplacementsText description provided by the architects. The subterranean Tilt Roof House is set amid peaceful mountains and rice fields an hour east of Seoul in Korea. The house shows our understanding and consideration of “Ki”, which is the traditional term for the universal energy that permeates through everything.Save this picture!© Sergio PirroneSave this picture!SectionSave this picture!© Sergio PirroneTilt Roof House tries to respect the natural energy flow of the existing mountains and celebrates a primal relationship between the experiential qualities of the surrounding nature and a building. By taking advantage of the steep slope around the site, the house blends with the topography and is partially embedded into the ground, while minimizing the excavation of the earth. The roof is tilted to follow the slope of the hill while disappearing into the ground. It is built with careful consideration of construction efficiency and the surrounding nature without disrupting the energy flow. The mass composition of this house is a result of the adaptation of the existing topography line from the north and the parallel line of the adjacent street in the main access area.  Save this picture!© Sergio PirroneSave this picture!SectionSave this picture!© Sergio PirroneThe house also utilizes the sloped roof-top as a terrace. It is punctuated by three square boxes: two recessed boxes and one courtyard box. The two partially recessed squares not only serve as outdoor furniture but also distinguish different programs, such as the master bedroom and kitchen underneath the terrace. The central courtyard allows natural light penetration and makes the interior space more desirable and breathable. The heavy pour-in-place concrete and the pressure treated black-stained pine wood exterior is in contrast to the warm and ambient light created by the bright yellow birch plywood interior. The curvature of the interior wall along the central courtyard softens the pointed corners created by the triangular shape from the living room to the reading area. During the summertime, the wind blows from south to north, inducing air circulation from the courtyard, where the kitchen is located creating cross-ventilation.  Save this picture!© Sergio PirroneSave this picture!1st Floor PlanSave this picture!© Sergio PirroneProject gallerySee allShow lessCourtyard House at the foot of the Great Wall / IAPA Design ConsultantsSelected ProjectsHouse 97 / César Solórzano arquitectosSelected Projects Share Tilt Roof House / BCHO ArchitectsSave this projectSaveTilt Roof House / BCHO Architects Projects ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/800833/tilt-roof-house-bcho-architects Clipboard Photographs “COPY” Save this picture!© Sergio Pirrone+ 41Curated by Fernanda Castro Share “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/800833/tilt-roof-house-bcho-architects Clipboardlast_img read more

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£15 million fund opens

first_img Howard Lake | 25 July 2007 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis £15 million fund opens Northern Ireland’s Social Development Minister Margaret Ritchie has opened the £15 million Modernisation Fund aimed at the voluntary and community sector. The aim of the Fund, part of a £18 million package, is to help the voluntary sector to modernise and prepare itself for the future.The grants available will range from £20,000 to £1.5 million and are designed to provide equipment and improve facilities.Encouraging groups to apply for the funding, Minister Ritchie said: Voluntary and community groups have a key role to play in Northern Ireland and I want to ensure that such groups have the best possible facilities and equipment and continue to provide a first class service with first class facilities”.The Modernisation Fund places particular emphasis on providing equipment and facilities for young people in the most disadvantaged areas, helping improve access to services for people with disabilities and enhancing the delivery of services. Support is also available for large scale infrastructure projects which encourage collaboration and resource sharing as a model for modernisation.The programme will be open to applications until mid October. Application forms and guidance notes can be downloaded from DSD website:www.dsdni.gov.uk/modernisation-fund-capital-programme-application-form.docwww.dsdni.gov.uk/modernisation-fund-./guidance.docThe DSD site also contains a list of the information days for the programme.  31 total views,  1 views today Advertisementcenter_img  32 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 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. Tagged with: Irelandlast_img read more

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Cancer survivor launches #DareToBare campaign on International Women’s Day

first_img Howard Lake | 8 March 2017 | News  137 total views,  2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis10 AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis10  136 total views,  1 views today Advertisement Cancer survivor launches #DareToBare campaign on International Women’s Daycenter_img Tagged with: Cancer Fundraising Digital selfie Emma Kirke, a nutritionist in Wakefield, is marking the two-year anniversary of her mastectomy operation by launching a fundraising campaign for Cancer Research UK on International Women’s Day.Her campaign involves a social media campaign dubbed #DareToBare.At the time of her diagnosis, her grandmother was had been diagnosed with cancer and the disease had claimed the lives of her great aunt and great grandmother. She had both her breasts removed in February 2015 and now wants to spread the word of the importance of checking breasts in both women and men.Five-step campaignWith a nod towards the Calendar Girls fundraising idea, #DareToBare invites people to take a topless selfie covering their breasts with your hands or by using props. “Creativity is encouraged”.Visit Swoosch.it, the crowdfunding platform for social occasions and fundraising, and donate an amount of your choiceUpload both pictures to social media (“Facebook is best”)Use the hashtag #DareToBareTag in three friends to complete the challengeEmma KirkeNicki Embleton, Regional Media Relations manager at Cancer Research UK, said:“We are very grateful to Emma for launching her daring campaign to raise awareness and funds for breast cancer, which will affect 1 in 8 women and 1 in 870 men during their lifetime.  But the good news is that more and more are surviving breast cancer than ever before, thanks to earlier detection and better treatments, for which research is key.” 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.last_img read more

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Boosting Butanol’s Role in the Biofuel World

first_img SHARE SHARE Previous articleTen Things Consumers Should Know About HarvestNext articleMorning Outlook Andy Eubank Boosting Butanol’s Role in the Biofuel World Facebook Twitter The potential for boosting butanol as a biofuel is more promising thanks to USDA scientists and their partners.  Work by the Agricultural Research Service (ARS) suggests that barley straw and corn stover – which are both agricultural byproducts – could be cost effective feedstocks for producing biobutanol.  ARS is the USDA’s chief scientific research agency – and this work supports the USDA priority of developing new energy sources.Gallon for gallon – biobutanol has 30-percent more energy than ethanol – and only around four-percent less energy than a gallon of petroleum-based gasoline.Source: NAFB News Service By Andy Eubank – Nov 16, 2014 Facebook Twitter Home Energy Boosting Butanol’s Role in the Biofuel Worldlast_img read more

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Drought Conditions Persist in the Main Corn Growing States

first_img SHARE By NAFB News Service – Mar 7, 2021 Facebook Twitter Facebook Twitter Home Indiana Agriculture News Drought Conditions Persist in the Main Corn Growing States Drought Conditions Persist in the Main Corn Growing States SHARE As farmers are ramping up toward planting season, drought conditions continue in many of the top corn-growing states. Last week, the U.S. drought monitor showed 11 percent of Midwest acres are in moderate drought. Over half of the High Plains are in a severe drought, and 19 percent of the region is experiencing extreme drought conditions.For example, Iowa, the number one corn-producing state, faces extreme drought conditions in the northwest part of the state. Roughly 10 percent of Iowa is in a severe drought.Soil moisture is more favorable in Illinois, but the central part of that state is abnormally dry. A small part of the east-central region is in moderate drought.Nearly all of Nebraska faces some moisture stress at this point, with the southwest corner of the state in extreme drought. The entire state of Minnesota is abnormally dry, with about 40 percent of the state, especially in the northern third, in moderate drought.Only nine percent of the acres in Indiana are in moderate drought, primarily in the northwest part of the state. More than half of Kansas is abnormally dry, while drought conditions are severe in half of South Dakota.Ohio and Missouri have much less drought to deal with than other states. About 61 percent of Wisconsin is abnormally dry, with almost half of Michigan in the same category. Previous articleHoosier Ag This Week Podcast for March 6th, 2021Next articleCorn Export Sales Drop to New Marketing-Year Low Point NAFB News Servicelast_img read more

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Western Hills teacher is finalist for Presidential Awards in Math and Science

first_imgTwitter Daisha Siphohttps://www.tcu360.com/author/daisha-sipho/ Linkedin ReddIt ReddIt Daisha Sipho Half of FWISD board seats up for election printFor the past 30 years, Laura Frost has been an educator in the Fort Worth Independent School District. All of those years have been spent at Western Hills High School teaching some form of science.Frost was recently named a top five Texas finalist for the 2017 Presidential Awards for Excellence in Mathematics and Science Teaching, the nation’s highest honors for teachers of mathematics and science.This year’s awards recognize seventh through 12th-grade mathematics and science teachers whose innovative methods bring teaching to life in the classroom.Winners will receive a cash prize of $10,000, a citation signed by the President of the United States and a paid trip for two to Washington, D.C. She will also be recognized by the State Board of Education for being a Texas finalist.Frost was unknowingly nominated by one of her colleagues whom she worked with for many years.She took interest in science after taking an anatomy class as a freshman at the University of Texas at Austin. Frost is an interactive teacher, allowing students to lead themselves through each assignment with her help along the way.Her students said initially they were afraid to learn biology but that she makes learning so much easier with her teaching style.“She makes it fun by letting us do things kind of independently and on our own time but also helping us whenever we need it,” senior Kristen Tetzlaff said. “Not just making us sit down with a book all the time.”Her colleagues also said she is always very welcoming to helping others grow in the science field, as well as standing in as a mentor to those who are less experienced.“As a teacher, she’s so understanding and patient,” colleague Shelby Grissett said. “She’s not one of those people that get easily frustrated.”Grissett is a former student of Frost’s when she was in high school, now she works side-by-side with her. Grissett said whether a teacher or colleague, Frost hasn’t changed.Frost is known around campus as the “school mom” or “go-to teacher” because she has been there for so long. Students said that she not only makes sure they are learning but also cares about their wellbeing.“She checks on us and if we miss class she always gets on us,” senior Arianna Martinez said. “She does keep us on track with all of our other classes too.”Frost said she does not expect to win but making it to the top five is enough recognition.“Getting picked as number one is just the icing on the cake,” Frost said.She said that if she happens to win the award she would just be grateful that others thought that highly of her work. Previous articleHeckendorn’s ‘legacy of excellence’ will leave a lasting mark on Frog soccerNext articleTCU’s plethora of playmakers gives Kenny Hill plenty of options Daisha Sipho RELATED ARTICLESMORE FROM AUTHOR Daisha Sipho is a sophomore writer for TCU360. She is apart of Alpha Kappa Alpha Sorority, Inc and many other organizations on campus. When she is not being involved on campus, she is usually sleeping. Linkedin Facebook Daisha Siphohttps://www.tcu360.com/author/daisha-sipho/ School board grapples with institutional disparities in FWISD TAGSFort WorthFort Worth ISDScienceWestern Hills High School Grains to grocery: One bread maker brings together farmers and artisans at locally-sourced store + posts Facebook Southwest High School broadcast team wins national championship Daisha Siphohttps://www.tcu360.com/author/daisha-sipho/ Abortion access threatened as restrictive bills make their way through Texas Legislature Fort Worth set to elect first new mayor in 10 years Saturday Twitterlast_img read more

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“Setting Forth” Annual Visual Arts Faculty Exhibition

first_img Subscribe Community News The art galleries at Pasadena City College will present the Annual Faculty Show in the Boone Family Gallery from Aug. 17 to Sept. 11.This year’s theme, “Setting Forth,” is meant to suggest the notion of setting forth a good example. PCC’s faculty in the Visual Arts Department aspires to model excellence as educators, practicing artists, and human beings. It is their hope to set a standard that the students can reach toward and hopefully exceed, as each generation is honed and strengthened as time moves forward.“Setting Forth” also suggests the presentation of something set before the eyes of another. They will be displaying an array of artwork for the viewer, and hope to share their passion for art-making with the broader campus and community.All events are free and open to the public. This exhibition is made possible by the support of the Pasadena Art Alliance, the PCC Foundation, the Office of the President of PCC, and the School of Visual, Media and Performing Arts. Herbeauty7 Most Startling Movie Moments We Didn’t Realize Were InsensitiveHerbeautyHerbeautyHerbeautyFinding The Right Type Of Workout For You According AstrologyHerbeautyHerbeautyHerbeautyThese Fashion Tips Are Making Tall Girls The Talk Of The TownHerbeautyHerbeautyHerbeauty10 Special Massage Techniques That Will Make You Return For MoreHerbeautyHerbeautyHerbeautyHow To Lose Weight & Burn Fat While You SleepHerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeauty 4 recommended0 commentsShareShareTweetSharePin it Community News Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Your email address will not be published. Required fields are marked * More Cool Stuff faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Top of the News center_img Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Name (required)  Mail (required) (not be published)  Website  Make a comment Visual Arts “Setting Forth” Annual Visual Arts Faculty Exhibition Opens Monday, August 17 By Mahara T. Sinclaire, Interim Gallery Director Published on Friday, July 3, 2015 | 11:15 am Business News First Heatwave Expected Next Week Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadenalast_img read more

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Morgan Stanley Makes Headway on NY Settlement

first_imgSign up for DS News Daily  Print This Post Tagged with: Morgan Stanley Sttlement Demand Propels Home Prices Upward 2 days ago April 3, 2017 1,463 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Morgan Stanley Sttlement 2017-04-03 Seth Welborn Home / Daily Dose / Morgan Stanley Makes Headway on NY Settlement Morgan Stanley Makes Headway on NY Settlement The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Previous: Carson: Housing Funding to be Included in Infrastructure Bill Next: Cleveland, Detroit Top Rental Investment Markets Share Save Subscribe Related Articles in Daily Dose, Featured, News, Secondary Market Servicers Navigate the Post-Pandemic World 2 days ago Morgan Stanley has completed 77 percent of its consumer relief obligations under its settlement with the State of New York, after receiving conditional approval of nearly $200 million in credit for a number of recent relief-related activities. The news was announced by Eric D. Green, Independent Monitor of the Morgan Stanley Mortgage Settlement on Monday.According to Green, Morgan Stanley’s recent consumer-relief activities included 14 grants to counties and municipalities to support certified land banks, 75 grants to municipalities and eligible agencies to support housing quality improvement and enforcement programs, and four actions to fund critical-need rental housing developments.These activities amounted to more than $198 million, which included $28 million for certified land banks, $28 million for housing quality improvement and enforcement programs, and $141 million for rental housing units.With the newly approved $200 million, the total amount of Morgan Stanley’s cumulative credit is now at $309.1 million—77 percent of the $400 million it agreed to in its February 2016 case with New York State. The agreement settled claims that the organization had violated state law in its handlings of residential mortgage-backed securities (RMBS.)“With these actions,” Green said, “Morgan Stanley has continued to provide consumer relief to New York communities in need of housing assistance.”The total settlement agreement was $3.2 billion–$550 million of which was to be paid to New York State. The remaining $400 million must be paid in consumer relief by the end of September 2019.In August, the organization began fulfilling its relief obligations by settling debt owed on 19 first-lien mortgage loans totaling $10.4 million in reportable credit. This move represented less than 3 percent of Morgan Stanley’s total obligation.To view the full report, visit MorganStanley.MortgageSettlementMonitor.com. This marks Green’s third report on the bank’s consumer-relief activities. Green is a professional mediator and retired law professor from Boston University. About Author: Aly J. Yale Aly J. Yale is a freelance writer and editor based in Fort Worth, Texas. She has worked for various newspapers, magazines, and publications across the nation, including The Dallas Morning News and Addison Magazine. She has also worked with both the Five Star Institute and REO Red Book, as well as various other mortgage industry clients on content strategy, blogging, marketing, and more. The Week Ahead: Nearing the Forbearance Exit 2 days agolast_img read more

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Changing With the Times

first_imgHome / Daily Dose / Changing With the Times  Print This Post Share Save Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days ago Joe Iafigliola is the VP of vendor management for Safeguard Properties, the largest mortgage field services company in the U.S. Iafigliola leads the vendor recruiting, sourcing, execution, controls, and field quality control teams. Iafigliola has been in a wide variety of roles in finance, supply chain management, information systems development, and sales and marketing. His career includes senior positions with McMaster-Carr Supply Company, Newell/Rubbermaid, and Procter and Gamble. Joe has an MBA from the Weatherhead School of Management at Case Western Reserve University and a bachelor’s degree from The Ohio State University’s Honors Accounting program. He can be reached at [email protected] Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, News, Technology About Author: Joe Iafigliola Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Subscribe Servicers Navigate the Post-Pandemic World 2 days ago April 6, 2017 1,807 Views Previous: Conforming Loans Can’t Keep Up Next: DOJ Requests Argument Time in CFPB Case Related Articles Humans have changed very little over the past few thousand years. The biology and genetics of our ancestors hundreds of generations in the past differ very little from our makeup today. However, our institutions, technology, and environment have no such anchor to biology. Constant change and the embracing of technology have required our 10,000-year-old minds to act differently and become more nimble than ever before. To this challenge, we apply the discipline of change management. Change management is a term that refers to any approach to transitioning individuals, teams, and organizations using methods intended to redirect the use of resources, business processes, budget allocations, or other modes of operation that significantly reshape a company or organization, according to Wikipedia. These types of changes often make headlines, such as when a company introduces a new enterprise resource planning system or revises reporting relationships. However, most changes are on a smaller scale but are just as impactful if done well—or poorly.Change management as a discipline focuses on how people and teams are affected by an organizational transition. It deals with many different functions, from behavioral and social sciences to information technology and business solutions. In a project management context, change management may refer to the change control process wherein changes to the scope of a project are formally introduced and approved.The international bestselling book Leading Change by Dr. John Paul Kotter has been incredibly influential in the field of change management. A New York Times bestselling author, Dr. Kotter is the Konosuke Matsushita Professor of Leadership, Emeritus, at the Harvard Business School and the founder of management consulting firm Kotter International. His work has earned him the reputation of an authority on change in the arenas of business and leadership. In Leading Change, Dr. Kotter outlines a practical eight-step process for change management:Establish a sense of urgency.Create the guiding coalition.Develop a vision and strategy.Communicate the change vision.Empower employees for broad-based action.Generate short-term wins.Consolidate gains and produce more change.Anchor new approaches in the culture.Utilizing both the academic research and practical implementations of this discipline, mortgage field services companies can apply its principles as processes and guidelines to continuously evolve in the ever-changing mortgage servicing industry.Managing ChangeWorking with regulators, federal agencies, state and local governments, code officials, clients, and other parties requires continued vigilance and understanding of specific, unique requirements. When a change is made at any of those entities, it manifests itself into the specific actions of field services companies’ inspector and contractor networks. A simple change requiring language modification of a posting at a property requires the coordination of hundreds and at times, thousands of specific actors. Thus, any time field services companies have to implement a change, they must carefully consider the impact and how they manage the evolving expectations.Field services companies roll out many changes to their inspector and contractor networks and internal users. These changes are either to optimize quality, timeliness, and/or cost or to react to changes in client or investor expectations. Following Dr. Kotter’s established process for change management, field services companies need to be prepared for changes by developing a full set of activities, some of which are not always required but are available to the team as needed. These activities are common examples:Work order requirements reflect the new expectation.Policy documents and job aids are updated.Create a video to promote and explain the change.Send a memo to the applicable inspector and/or contractor network documenting the change that serves as both an explanation of why and a user guide (or a link to a user guide).Training sessions are scheduled for internal and external users.Lesson is created and required on learning management systems for employees, inspectors, and contractors.Utilize social media to broadcast the change.Hold a conference call with internal and external participants.Frequently asked questions generated from the call and promotion are sent out as an addendum to the memo.One month after the initial launch, find champions or subject matter experts for the change and write a case study showing impact. Host another call.Hard audit stop in operations for the change.Have a backend top-down-audit-style review and enforcement of change.Three to five months after the initial change, have an after-action review. One of the biggest property issues field services companies and mortgage servicers face that is difficult to mitigate—mold—can benefit the most from this specific change-management approach. Mold PolicyMold, and the source of moisture feeding mold, is a major challenge to field services companies and property preservation. With properties often sitting vacant for many months or years, properly identifying the source and taking effective action is critical. When the new Mortgagee Letter came out for the Federal Housing Administration in February 2016, field services companies had to rethink their historical approach to identifying mold. Establishing a new mold policy following the change-management procedures should begin with field services companies like Safeguard Properties determining how to describe the new requirements in the work order. The work order will become specific instructions to set the stage for contractors to assess the condition of the property and the resulting actions based on investor or client allowables. The mold policy needs to be specific in detail, but there are base steps:Identify the sources of mold and moisture feeding the growth.Utilize investor/client allowables to address the source.Validate, using a detailed checklist, the potential causes that are not feeding the mold. Do the work to address or bid. Prior to the new policy, contractors were simply asked to identify mold and the source of the moisture. Far too often, “humidity/lack of circulation” was identified incorrectly as the main cause. A policy change can correct that behavior. Utilizing software like Sharepoint can aid in storing and establishing a method of version control for documents. After developing the policy and work-order requirements, field services companies should update all policy documents to establish a single source of truth for internal and external users. Case StudyThe following was identified when Safeguard developed its new mold policy utilizing the change-management process as described above:Work-order requirements must reflect the new expectation: After establishing the policy, Safeguard updated all work orders to specifically outline the requirements, including a 13-point checklist. The work order organized all the client and investor allowables available, provided the contractor with all the information related to remaining funds, and was specific as to the photo-documentation requirements. Policy documents and job aids are updated: The work order lays the basis for policy, but the two are interrelated. Safeguard wrote an official policy and linked it into both its internal and external document-sharing sites.Create a video to promote and explain the change: Using the information in the work order, Safeguard works with contractors and its quality-control staff in the field to write a simple script and create an explanatory video. This video is available on Safeguard’s online learning management system. Videos, in addition to other approaches, allow the company to communicate the change in all learning styles—written, verbal, and interactive—to implement the change.Send a memo and a user guide: Safeguard formally documents the policy change via an official memo to the contractor network. This memo is an enhanced policy document with extra photos showing examples it has gathered from the field. Also, the memo links to the videos and job aids, and it provides a schedule of events for additional learning opportunities.Training sessions are scheduled for internal and external users: Partnering with its training department, Safeguard developed a slide deck and comprehensive assessment test to share with internal and external partners. These sessions are hosted in a classroom setting when available and by webinar when not.Lesson is created and required on learning management systems for employees, inspectors, and contractors: After the training session is completed, the content is put into an online learning course for future employees and vendors to utilize. Utilize social media to broadcast the change: Safeguard participates in many social media platforms. Trumpeting the information allows the company to inform all users of the change, including actual contractors in the field, their office staff, and other impacted parties. Safeguard seeks to ensure that it provides the information through as many channels as it can.Hold a conference call with internal and external participants: After contractors have been educated on the new policy, Safeguard understands it is not perfect. It hosts a call that is proctored by a third party to review the material shared, observe, and answer questions.Frequently asked questions (FAQs) generated from the call and promotion are sent out as an addendum to the memo: The conference call generates questions, and Safeguard associates also receive many questions via email. The team that created the mold policy reviews all questions and writes out answers. This FAQ addendum is then published to answer the specific questions asked by the contractor network. As an example, there is a common misconception between a stain-blocker (useful for water stains and graffiti) and a fungicidal paint that includes a stain-blocker. This issue and the brands available were directly addressed in the addendum.One month after the initial launch, find champions or subject matter experts: Safeguard calls on these experts on the change to write a case study showing impact, and then it hosts another call. The field services company did this in a slightly different manner for mold, instead utilizing the quality-control personnel throughout the United States to partner with contractors and share practices on assessment, bids, and treatment methods.Hard audit stop in operations for the change: Every order completed by contractors is subjected to multiple audit processes completed by the field services company. Typically, in the first few weeks of a change, there is a learning curve, and contractors are given reminders and additional resources to adjust to the new policy. In doing so, potential issues can be identified up front and mitigated accordingly. For mold, there is the potential issue of contractors taking photo documentation of sources that were not the source of moisture poorly defined at the start. Field services companies can, in the beginning, provide an additional order to take the proper photos. However, after the initial phase, work orders are not accepted until the proper photos are provided to prove the absence of moisture penetration.Have a backend top-down-audit-style review and enforcement of change: Safeguard’s quality-assurance team performs many backend audits to line up, in sequence, multiple (50 or more) of the same order for an individual vendor. Its other groups typically are looking at singleton events, which may cause a trend to be missed. For mold assessment, Safeguard looked at many orders where mold and sources were either identified or were documented as not causing an issue. This feedback was provided to the company’s contractors, and it goes over the specific opportunities for better performance.Three to five months after the initial change, have an internal after-action review: Following the policy change and implementation of the change-management process, it is important for field services companies to hold an internal action review. The goal of these meetings is to determine what needs to improve, what was done well and can be repeated, and finally, if any clarifications or program changes should be made. For mold, it may be discovered that the number of surfaces with mold varied greatly from home to home and that the expected maximum number of walls with mold occasionally exceeded the previously established maximum. This identified trend can aid in making the policy and work orders encompass a greater number of surfaces with the potential for contracting mold issues.Constant change and innovations in technology have forced businesses to embrace the discipline of change management and focus on how people and teams are affected by an organizational transition. Dr. Kotter’s eight-step process for managing change can be personalized by field services companies, as Safeguard has, to address the continuous changes the servicing industry faces every day.  Changing With the Times Servicers Navigate the Post-Pandemic World 2 days ago Tagged with: Change Regulation Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Change Regulation 2017-04-06 Joe Iafigliola The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days agolast_img read more

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