Black Clay Family Residence / NEBRAU

first_imgCopyHouses•Giraitė, Lithuania Houses Manufacturers: NIBE, BENDERSLandscape Design:Domas Timinskas, Vaidotas GudeliauskasHouse Builder:DomantostatybaArchitect In Charge:Laurynas AvyziusCity:GiraitėCountry:LithuaniaMore SpecsLess SpecsSave this picture!© Laurynas AvyziusRecommended ProductsDoorsSky-FrameInsulated Sliding Doors – Sky-Frame ArcDoorsLinvisibileLinvisibile Curved Hinged Door | AlbaDoorsRabel Aluminium SystemsMinimal Sliding Door – Rabel 62 Slim Super ThermalWindowsKalwall®Facades – Window ReplacementsIdeaLithuanian architecture studio NEBRAU main task was to create minimal architecture with clear lines and simple volumes, using long-live and natural materials, creating natural and minimal landscape surrounding where people can relax from their daily life routine. Save this picture!© Laurynas AvyziusIn the same plot built a small building for letterpress printing studio.Save this picture!© Laurynas AvyziusIntegration to the environmentThe place of the house in the quarter: square-shaped land plot which continues the row of houses. The area contains a mix of large, contemporary homes and older dwellings dating to the 1970s and 1990s.Save this picture!© Laurynas AvyziusThe FunctionThe building is convenient to use and functional. The young family house is very comfortable by its planning functionality. House is one storey. The main entrance is in the middle of the house, where free-time zone (living room with kitchen) is separated from sleeping zone (bedrooms). Save this picture!© Laurynas AvyziusSave this picture!PlanSave this picture!© Laurynas AvyziusThe ArchitectureFamily residence is located in Lithuania, Kaunas city.House volumes are different height for it’s inside functionality and exterior dynamic. The finish is a solid concrete tiles on walls, which gives horizontal shadow structure for the house. Architectural volumes of the house are separated with a vertical larch wood planks, which left naturally to get grey. Dark colors and natural material merges into the surrounding.Save this picture!© Laurynas AvyziusLithuania is in the weather zone, where temperature is from -35C till +35C. House insulation should be well prepared for all seasons and comfortable living. Energetical class of the house is A.Heating – geothermal, Windows – wood frame with aluminum outside.The InteriorThe interior was created as a warm, cosy atmosphere. Natural and reliable decoration materials shall be used such as natural wood look floor tiles of the greater part of the areas, guest room, kitchen, as well as kitchen. We love natural oak mass furniture, which used for table tops in the kitchen.Save this picture!© Laurynas AvyziusProject gallerySee allShow lessWE Architecture’s Winning Proposal Combines Green Space with Social Housing in AarhusUnbuilt ProjectBrook Green Pavilion / De Rosee Sa ArchitectsSelected Projects Share ArchDaily CopyAbout this officeNEBRAUOfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesGiraitėLithuaniaPublished on February 25, 2017Cite: “Black Clay Family Residence / NEBRAU” 25 Feb 2017. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogPanels / Prefabricated AssembliesTechnowoodGRP Siding Façade SystemPlasticsMitrexSolar SidingMetal PanelsAurubisCopper Alloy: Nordic RoyalSystems / Prefabricated PanelsKalwall®Translucent WalkwaysPanels / Prefabricated AssembliesIsland Exterior FabricatorsSpecialty Facade SystemsLightsLouis PoulsenLamps – LP Slim BoxWoodBruagAcoustic Panels with LEDTiles / Mosaic / GresiteHisbalitMosaic Tiles – Palm SpringsMineral / Organic PaintsKEIMBlack Concrete – Concretal®-BlackSuspension SystemsMetawellAluminum Panels for Smart CeilingsDoorsGorter HatchesFloor Door – Fire RatedBricksDEPPEWaterstruck Bricks – 1622/1635ekws DFMore products »Save想阅读文章的中文版本吗?黑色黏土住宅单元/ NEBRAU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 Black Clay Family Residence / NEBRAUSave this projectSaveBlack Clay Family Residence / NEBRAU Black Clay Family Residence / NEBRAU 2012 “COPY” Area:  145 m² Year Completion year of this architecture project ShareFacebookTwitterPinterestWhatsappMailOr Clipboardcenter_img Projects Lithuania Photographs “COPY” Photographs:  Laurynas Avyzius Manufacturers Brands with products used in this architecture project Architects: NEBRAU Area Area of this architecture project ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Year:  Save this picture!© Laurynas Avyzius+ 18 Sharelast_img read more

UWM Holdings Corporation Announces UWM’s Record Fourth Quarter and Full Year 2020 Results; $1.37…

first_img $ 2,374,280 Q4 2020 Facebook $ $ 3 Source: Inside Mortgage Finance – Top Wholesale Broker Channels Data, Copyright 2020 PONTIAC, Mich.–(BUSINESS WIRE)–Feb 3, 2021– UWM Holdings Corporation ( NYSE: UWMC ), the publicly traded indirect parent of United Wholesale Mortgage (“UWM”), the #1 wholesale mortgage lender in America, today announced UWM’s results for the fourth quarter and full year ended December 31, 2020. UWM reported 4Q20 net income of $1.37 billion and FY20 net income of $3.38 billion, an 821% and 715% increase over 4Q19 and FY19 respectively. The Board of Directors of UWMC declared its first regular quarterly dividend of $0.10 per share on the outstanding shares of Class A Common Stock. The dividend is payable on April 6, 2021 to stockholders of record at the close of business on March 10, 2021. Mat Ishbia, President and CEO of UWM said: “The fourth quarter and 2020 overall was phenomenal for UWM and the wholesale channel by any measure. We are very proud of what we accomplished in 2020 but have shifted our focus to 2021 and beyond. By going public and accessing the debt markets, we now have the capital and liquidity to not only invest in technology and service as we have always done, but also the ability to take advantage of higher profit opportunities when available or otherwise returning excess cash to our stockholders. Independent mortgage brokers are the best place for a consumer to get a loan, and as we progress through 2021, our 100% focus on the wholesale channel remains steadfast. We will continue to work with the growing number of independent mortgage brokers to provide the fastest, easiest and most cost effective way to get a mortgage, helping even more families achieve their dream of home ownership.” Fourth Quarter and Full Year 2020 Financial HighlightsRecord originations of $54.7 billion in loan volume, a 71% increase from the 4Q19 $31.9 billion loan volume, bringing UWM’s full year 2020 production to $182.5 billion, which is 69% higher than UWM’s prior record production for 2019 of $107.8 billion.Total gain margin of 305 bps in 4Q20 compared to 110 bps in 4Q19.Reported fourth quarter net income of $1.37 billion, as compared to $148.9 million for 4Q19.Increased UWM’s equity to $2.37 billion at December 31, 2020 as compared to $661.3 million at December 31, 2019.Closed private senior notes offering of $800 million, ending 4Q20 with non-funding debt to equity ratio of 0.49 (non-GAAP metric – see discussion below).Increased the unpaid principal balance of mortgage servicing rights from $72.6 billion at Q419 to $188.3 billion at Q420. Production and Income Statement Highlights (dollars in thousands) Total assets 182,547,641 $ 31,908,320 3.05 0.61 Conventional Twitter $ Government $ Jumbo 1,001,925 Pinterest 20,345,251 7,916,515 Line of credit, net 72,589,639 Purchase: 0.49 Non-funding debt (1) Twitter Q4 2020 43,116,040 1,001,925 Local NewsBusiness Impact of estimated effective tax rate of 27% $ UWM equity 31,908,320 Q4 2019 11,563,069 376,000 57,953,024 $ (369,866 5,446,310 0.49 30,000 26,528 $ 10,638,926 54,678,923 UWM Holdings Corporation Announces UWM’s Record Fourth Quarter and Full Year 2020 Results; $1.37 Billion 4Q20 Net Income and Declares First Regular Quarterly Dividend of $0.10 per share 108,723 $ $ $ $ Non-funding debt and non-funding debt to equity $ $ $ 3 TAGS  Conventional $ $ Weighted average age (months) 0.61 663,074 1,457,197 897,409 $ $ $ $ 12,411,318 Q4 2020 148,858 3.13% 3.98% — 2,374,280 Total Refinance Q4 2020 6,654,094 2 Source: Inside Mortgage Finance – Direct Funded First-Lien Mortgage Origination Data, Copyright 2020 6 (1) Key operational metric – see discussion below. 1.10 $ $ 54,678,923 YTD 2019 $ 1,159,283 Q4 2019 661,323 Net income $ Comparable net income(3) Cash and cash equivalents (1) Non-GAAP metric – please see discussion below. 789,323 661 583,299 $ 3,570,532 620,186 Comparable net income $center_img YTD 2020 2,425,666 42,582,139 UWM’s purchase volume for 4Q2020 increased to $12.1 billion, as compared to $11.6 billion in 4Q19. For FY20, purchase volume decreased to $42.9 billion, as compared to $49.8 billion in total purchase volume in FY19, primarily due to a strategic reduction in the jumbo and government purchase business.UWM originated $42.6 billion in refinance volume during 4Q20, as compared to $20.3 billion in 4Q19. UWM originated $139.6 billion in refinance volume in FY20 and $57.9 billion in FY19. UWM’s 2020 production mix was comprised of 76% refinance and 24% purchase.UWM’s primary focus is originating conventional loans. In 2020, conventional loans represented 84% of total production. First Quarter 2021 Outlook We expect the following ranges compared to the year-earlier period:Closed loan volume between $52 billion and $57 billion, which would represent an increase of 22.6% and 34.4% as compared to $42.4 billion in the first quarter of 2020.Total gain margin of 200-235 bps, which would be an increase of 110.5%-142.1% compared to 95 bps in the first quarter of 2020. Earnings Conference Call Details As previously announced, UWMC will hold a conference call for financial analysts and investors on Thursday, February 4 at 10 AM ET to review the results and answer questions. The call in numbers are:Conference ID 6596094Participant Toll-Free Dial-In Number: (833) 794-1164Participant International Dial-In Number: (236) 714-2757Conference Call name: UWM Holdings Corporation 4Q 2020 Earnings Call Please dial in at least 15 minutes in advance to ensure a timely connection to the call. Audio, webcast, taped replay and transcript will be available on the UWM investor relations website at Key Operational Metrics “Closed loan volume” and “Total gain margin” are key operational metrics that UWM management uses to evaluate the performance of the business. “Closed loan volume” is the aggregate principal of the residential mortgage loans originated by UWM during a period. “Total gain margin” represents total loan production income divided by total production. Non-GAAP Metrics As UWM is a pass-through entity, Net income does not reflect income tax that would otherwise be payable by UWM with respect to its income if it were a C Corporation. Therefore, for comparison purposes, UWM provides “Comparable net income”, which is our net income adjusted for a 27% estimated effective tax rate. “Comparable net income” is a Non-GAAP Metric. Commencing with first quarter 2021 results, UWMC will be reporting Net income at the UWMC level on an after-tax basis, along with Net Income attributable to UWMC shareholders and Net Income Attributable to the Non-Controlling Interest in UWM. In addition, we disclose “Non-funding debt” and the “Non-funding debt to equity ratio” as a Non-GAAP metric. We define “Non-funding debt” as UWM’s total of operating lines of credit, senior notes, equipment note payable, and finance leases as reported on our balance sheet, and the “Non-funding debt to equity ratio” as Non-funding debt divided by UWM’s total equity. Management believes that these Non-GAAP metrics provide useful information to investors. These measures are not financial measures calculated in accordance with GAAP and should not be considered as a substitute for any other operating performance measure calculated in accordance with GAAP, and may not be comparable to a similarly titled measure reported by other companies. The following table presents these non-GAAP financial measures along with their most directly comparable financial measure calculated in accordance with GAAP (dollars in thousands): 37,647,428 $ Q4 2020 406,000 Q4 2019 188,268,883 Refinance: 12,096,784 — (3) Non-GAAP metric – see discussion below. ) 1,756,864 $ Previous articleFamily: Keyontae Johnson’s collapse unrelated to COVID-19Next articleKKR Real Estate Finance Trust Inc. Updated Tax Treatment of 2020 Dividends Digital AIM Web Support 49,814,148 $ 119,807,647 Q4 2019 15,518,218 Mortgage Servicing Rights (dollars in thousands) 320,300 33,091,673 1 Internal company data and Ellie Mae Origination Insight Report (the “Ellie Mae Report”). The Ellie Mae Report reflects application to close, as such for comparative purposes, management has reduced the average by an estimate of 4 days. Q4 2020 Q4 2020 Product and Investor Mix – Unpaid Principal Balance (dollars in thousands) 661,323 WhatsApp 18,921,473 YTD 2019 Q4 2020 $ $ % $ Facebook 4,934,711 Balance Sheet Highlights (dollars in thousands) $ Mortgage servicing rights, net (40,135 Non-funding debt to equity (1) 1,223,837 Total Originations Total equity ) 4,163,959 Finance leases Total Purchase $ Senior note bond Government 8,619,874 1,159,283 By Digital AIM Web Support – February 3, 2021 1,371,791 $ 148,858 Q4 2019 1,371,791 Pinterest $ 133,283 % YTD 2020 $ $ 108,723 $ 23,132 (2) Represents total loan production income divided by total production. Mortgage loans at fair value 7,485,001 Jumbo $ 42,921,112 Operational HighlightsUWM maintained an average application to clear to close time (“Days to Close”) of approximately 18 days in Q420, while management’s estimate of the industry average grew to approximately 52 days 1, 10 days higher than the nine month average of 42 days 1 as of September 2020. For the month of December, UWM Days to Close was approximately 16 days, while management’s estimate of the industry average grew to approximately 54 days. 1Our commitment to high credit quality is evidenced by a weighted average FICO of 760 for the loans closed in the fourth quarter 2020 and 757 for the full year 2020. The credit quality of UWM originations is reflected in the MSR 60+ delinquency and forbearance rates which are well below industry averages.UWM’s highly successful Conquest program launch grew even further in the fourth quarter with the addition of the FHA product, joining previously released Conquest programs for Conventional and VA products. With this announcement, UWM is extending access to these very low interest rates to a larger consumer base. Conquest program loans represented 87.6% of total production in 4Q20.Increased the number of team members from 4,907 at December 31, 2019 to 7,475 at December 31, 2020 with plans to continue growing throughout 2021.Enhanced the Pontiac campus by completing a walking bridge to tie our approximately 600,000 square foot “North Campus” to our more recently added “South Campus” which is located in a 900,000 square foot building owned by a UWM affiliate. During fourth quarter 2020, an affiliate of UWM also purchased a neighboring facility of approximately 378,000 square feet.Commenced plans to restart jumbo offerings which are expected to go live in March 2021 and will also materially increase purchase volume during the remainder of 2021. The wholesale channel, UWM’s sole focus, continues to be viewed as the growth channel of the residential mortgage industry, represented 17.2% of the total mortgage market for the nine months ended September 30, 2020, which is the most recent data point available 2. Likewise, UWM continued its dominant position in the wholesale channel, growing its market share to 34.3% for the nine months ended September 30, 2020, which is the most recent data point available 3. Technology UpdateLaunched UWM InTouch, a mobile app that provides the ability for Independent Mortgage Brokers to navigate everything from Underwriting until the loan is Cleared to Close from anywhere they have their phone. Including, document upload, e-sign capabilities, push notifications and more.Launched Blink+, an enhancement to the online mortgage application launched in 2016, which includes the ability to automatically pull credit, e-sign docs and co-browse screens with borrowers, Blink+ is a Point of Sale (POS), Loan Origination System (LOS) and Customer Relationship Manager (CRM) all-in-one package that UWM makes available as one of its many partnership initiatives to Independent Mortgage Brokers. 107,767,172 $ 11,493,476 $ WhatsApp $ Comparable net income Unpaid principal balance Closed loan volume(1) Total gain margin(1)(2) $ Weighted average interest rate 33,717,939 406,000 Net Income $ 13,151,943 $ Total non-funding debt Non-funding debt to equity $ $ Forward Looking Statements This press release contains and the earnings call will contain forward-looking statements. These forward-looking statements are generally identified by the use of words such as “anticipate,” “believe,” “estimate,” “expect,” “intend,” “may,” “plan,” “potential,” “predict,” and similar words indicating that these reflect our views with respect to future events. These forward-looking statements include (1) the impact of the going public and accessing the debt markets on our ability to invest in technology and services as well as other higher profit opportunities or the ability to return cash to our stockholders, (2) impact of the Conquest program and our restart of jumbo offerings on our future financial and operational results, and (3) our expectations for 2021 financial and operational results. These statements are based on our management’s current expectations, but are subject to risks and uncertainties, many of which are outside of our control, and could cause future events or results to be materially different from those stated or implied in this document, including (i) UWM’s dependence on macroeconomic and U.S. residential real estate market conditions, including changes in U.S. monetary policies that affect interest rates; (ii) UWM’s reliance on its warehouse facilities; the risk of a decrease in the value of the collateral underlying certain of its facilities causing an unanticipated margin call; (iii) UWM’s ability to sell loans in the secondary market; (iv) UWM’s dependence on the government sponsored entities such as Fannie Mae and Freddie Mac; (v) changes in the GSEs’, FHA, USDA and VA guidelines or GSE and Ginnie Mae guarantees; (vi) UWM’s dependence on Independent Mortgage Advisors to originate mortgage loans; (vii) the risk that an increase in the value of the MBS UWM sells in forward markets to hedge its pipeline may result in an unanticipated margin call; (viii) UWM’s inability to continue to grow, or to effectively manage the growth of, its loan origination volume; (ix) UWM’s ability to continue to attract and retain its Independent Mortgage Advisor relationships; (x) UWM’s ability to implement technological innovation; (xi) UWM’s ability to continue to comply with the complex state and federal laws regulations or practices applicable to mortgage loan origination and servicing in general; and (xii) other risks and uncertainties indicated from time to time in our filings with the Securities and Exchange Commission including those under “Risk Factors” therein. You are cautioned not to place undue reliance upon any forward-looking statements, which speak only as of the date made. About UWM Holdings Corporation and United Wholesale Mortgage Headquartered in Pontiac, Michigan, UWM Holdings Corporation is the publicly traded indirect parent of United Wholesale Mortgage (“UWM”). UWM is the #1 wholesale lender in the nation six years in a row, providing state-of-the-art technology and unrivaled client service. UWM underwrites and provides closing documentation for residential mortgage loans originated by independent mortgage brokers, correspondents, small banks and local credit unions. UWM is known for its highly efficient, accurate and expeditious lending support. UWM’s exceptional teamwork and focus on technology result in the delivery of innovative mortgage solutions that drive the company’s ongoing growth in market share and its leadership position as the foremost advocate for independent mortgage brokers. For more information, visit View source version on CONTACT: For inquiries regarding UWM, please contact: INVESTOR CONTACT MATT ROSLIN [email protected] MEDIA CONTACT NICOLE YELLAND [email protected] KEYWORD: UNITED STATES NORTH AMERICA MICHIGAN INDUSTRY KEYWORD: RESIDENTIAL BUILDING & REAL ESTATE CONSTRUCTION & PROPERTY PROFESSIONAL SERVICES FINANCE SOURCE: UWM Holdings Corporation Copyright Business Wire 2021. PUB: 02/03/2021 04:29 PM/DISC: 02/03/2021 04:29 PM 3,457,882 139,626,529 Q4 2019 Equipment note payable 731,353 —last_img read more

Olympic champion Sir Mo Farah ‘relieved’ after US travel clarification

first_imgBritain’s four-time Olympic champion Sir Mo Farah says he is “relieved” he can return to his US home after it was clarified that President Donald Trump’s travel ban did not apply to him.Somali nationals are among those banned from travelling to the US under the executive order issued on Friday.That had applied to Farah, who was born in Somalia, until the announcement by the UK Foreign Office late on Sunday.Farah, 33, called Trump’s policy “divisive and discriminatory”.Trump’s executive order halted the entire US refugee programme and also instituted a 90-day travel ban for nationals from Iran, Iraq, Libya, Somalia, Sudan, Syria and Yemen.British Foreign Secretary Boris Johnson held conversations with the US government on Sunday. The Foreign Office then advised British travellers that dual citizens were only affected if travelling to the US from one of the seven banned countries.”We understand from the statement released this evening by the Foreign and Commonwealth Office that the executive order will not apply to Mo, and we are grateful to the FCO for urgently clarifying the situation,” said a spokesperson for Farah, who has lived in Oregon for six years with his family.”Mo is relieved that he will be able to return to his family once his current training camp concludes.”The statement added that Farah “still fundamentally disagrees with this incredibly divisive and discriminatory policy”.Writing on his Facebook page earlier on Sunday, Farah had said: “On 1 January this year, Her Majesty The Queen made me a Knight of the Realm. On 27 January, President Donald Trump seems to have made me an alien.” Farah said he believed Trump’s policy “comes from a place of ignorance and prejudice” and that his own story was “an example of what can happen when you follow polices of compassion and understanding, not hate and isolation”.Farah, who moved to Britain aged eight, is at a training camp in Ethiopia as part of his preparations for August’s World Championships in London, and is not planning to return to the US for a number of weeks.last_img read more

New York Mary is crowned Mary from Dungloe 2019

first_imgNew York Mary Roisin Maher has been crowned as this year’s Mary from Dungloe.Roisin, a Construction Project Manager, laid the foundations for a victory by showcasing her building skills onstage at tonight’s Crowning Cabaret.The 27-year-old treated host Daniel O’Donnell to a demonstration in bricklaying as her ‘party piece’. The New York Mary was stunned to be selected from the 14 hopefuls as this year’s winner.She was presented with her crown by the 2018 Mary, Dungloe woman Caroline O’Donnell.And she beamed with joy as Daniel sang the famous ‘Mary from Dungloe’ to close the show.Comhghairdeas ó chroí le Róisín Maher (New York Mary) buaiteoir ‘Mary From Dungloe 2019’.#mfd52— TG4 (@TG4TV) August 4, 2019 Roisin MaherRoisin is originally from Co. Carlow and moved to New York to pursue her career.She has an honours degree in Event Management and was accepted into City University of New York to complete a Construction Management degree.Roisin is a keen fundraiser, having run the New York City Marathon in 2016 and again 2017 for charity. She is also a volunteer with the American Red Cross’ Service to Armed Forces (SAF) team.In 2017, Roisin received the Irish Echo Community Champion Award for her active involvement with all things Irish in New York.An exciting year awaits the new Mary from Dungloe as she represents the festival at home and internationally.Her first official duty will take place tonight, as she stars in a parade down Dungloe Main Street. New York Mary is crowned Mary from Dungloe 2019 was last modified: August 8th, 2019 by Rachel McLaughlinShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img read more

Four-wheeling 49ers defense has a blistering front four

first_imgSANTA CLARA – Dee Ford’s simplified job is to line up on the edge and aim for the quarterback. With a lingering knee issue, it’s a good thing he’s not the 49ers’ only hope on a suddenly riveting defensive line.“It’s fun to look (down) the line of scrimmage and know that somebody is going to get there,” Ford said.The 49ers are nine sacks and three undefeated games into their pass-rush revival. There is no doubt what front four presents their most menacing pass rush: newcomers Ford and Nick …last_img

The Greed-Heads At Facebook Just Keep Making Life Easier For Google’s Vic Gundotra

first_imgA Comprehensive Guide to a Content Audit Guide to Performing Bulk Email Verification Related Posts A friend of mine who worked at Microsoft during its glory days once confided to me that Microsoft’s success in the 1990s came in part because Microsoft had been blessed with such wonderful enemies. It’s not that Microsoft was so brilliant, he said, but that everyone else was just so incredibly awful.Same goes today for Vic Gundotra and his team at Google+. Here they are, building a social network that gets bigger and better every day, while their biggest rivals, Facebook and Instagram, keep planting land mines around themselves and then stepping on them.The latest example is this uproar over changes Instagram made to its terms of service, which maybe gives Instagram permission to use your photos in ads, or maybe not, but anyway, everyone panic, it’s a trap!Instagram BackpedalsEveryone freaked out, so yesterday Instagram CEO Kevin Systrom issued a backpedaling blog post that said, basically, Um, no, you guys all misunderstood what we’re planning to do, and we need to fix the language in our statement, and we’re totally not going to sell your photos to advertisers, we’re just saying that we have a license to license them to advertisers, which is not the same as selling them, so we’re totally not lying, right? Although yeah, maybe, like, we might, um, someday use your photos in some new kind of advertising or brand promotion that we’re hoping to experiment with or something, but as of right now we don’t have any intention to do whatever it is you’re afraid that we might do, at least as far as we know at this very minute as I am sitting here writing these words, though that could change in the future. So, we good?This is a classic Facebook-style response, the non-apology apology combined with non-admission admission, where you try to sound contrite and you fire out a lot of words and hope that everybody just gets more confused and nobody notices that you didn’t actually say that you’re not going to do the thing that people are worried you might do. My sense is that Systrom sold his company to Facebook and now is waking up realizing the kind of people he’s actually leapt into bed with, and maybe it is also dawning on him that these guys now own him and can tell him what to do, and maybe he even regrets this turn of events, but several hundred million dollars has a way of assuaging that pain.The Anti-Backlash BacklashThe anti-Instagram backlash of course prompted an anti-backlash backlash, as the usual lineup of Silicon Valley apologist bloggers (apolo-bloggers?) rushed out to defend Systrom and Instagram, arguing that everyone was just being ridiculous and freaking out for no reason because Instagram isn’t doing anything bad here, and the new terms aren’t any different from the old terms, and everybody just needs to sit down and read the legal documents, or just trust Instagram and Facebook, because why not? Look at their track record. Good people.But if the new terms aren’t any different from the old terms, why did Instagram and its lawyers feel the need to create new terms? Does anyone believe that big publicly traded companies suddenly start adding new wording to their terms of service just for no reason? Just for giggles? Just to piss people off and send users into a panic? Who knows. I am not a lawyer, as folks online like to say. What I do know is that I’m not going to pore through the legalese of the new document and compare it to the wording of the old document and then try to parse the meaning of the different wording, because frankly I don’t have time to wade through legal forms, and I don’t think I should need a law degree to stay on top of the constantly changing terms of service of an app that lets me share photos with kooky old-timey filters on them, especially since I’m married and I have kids and a job and a mortgage and loads of things that are far more central to my existence than worrying about (or using) Instagram.The takeaway for most people will be that Instagram made some changes, and the changes seemed skeevy, and not just to the unwashed masses but even to companies like National Geographic, which has stopped posting photos on Instagram and presumably did so on the advice of its own lawyers, who no doubt understand terms of service statements better than the average tech blogger.Whatever Facebook does or doesn’t plan to do with people’s photos, the damage is done. If you needed another reason not to bother with Instagram, Facebook just gave it to you.What’s more surprising is the fact that people seem so surprised and disappointed — and even kind of hurt — to discover that Instagram isn’t some well-meaning charity organization but is in fact just another grubby Internet business. How does anyone not know, at this point, that the people who are offering all these “free services” on the Internet are not a pack of heroic, idealistic entrepreneurs but are in fact just a bunch of icky businesskids whose idea of “changing the world” means tricking people into parting with data that can be turned into money?It’s 2012, people. Time to let the scales fall from your eyes.The Exodus BeginsNow people are bailing out of Instagram, among them my colleague Jon Mitchell, an avid Instagrammer who says he’s quitting because “it’s not inspiring anymore.” Our writer John Paul Titlow points out that Instagram also is alienating professional photographers.How great is this for Google+? Photographers are one of the key consituencies and were among the service’s earliest and most avid adopters. Photographer Thomas Hawk touted the virtues of Flickr and Google+ in his blog post expressing his dismay over the Instagram debacle. Some photographers love Google+ so much they even organized an “Unofficial Google+ Photographers Conference” earlier this year. Now even more of them have a reason to switch to Google+. And what can Instagram do to lure them back?Facebook and Instagram are in a tough position. The only way they can make money is by doing things that members don’t want them to do, things that, in ways big and small, diminish the experience of being on Facebook and Instagram.So they must choose between advertisers and members, and so far — I know this is shocking — they keep siding with the ones who give them money.The problem is that this strategy seems guaranteed to drive away members, which in turn drives away advertisers, which means it all ends in a blackened pit of fire and smoke, but by then, if you’re clever, you’ve dumped your shares onto the suckers, made your millions (or billions) and moved on.Google Doesn’t Need To Put Ads On Google+Google+ has no such issues. Gundotra and his team don’t need to place ads next to, or inside, the news feed of Google+. They don’t need to run sponsored stories and promoted posts and all the other garbage that increasingly clutters up Facebook. They also don’t need to grab your photos and make money off them by using them in ads.Google makes money from Google+ by using social results in its core search business. Who knows how much money, and really, who cares? Google could run Google+ as a charity, and whatever the whole things costs it would still be a rounding error to a company that will do $40 billion in sales this year and throw off $10 billion in net profit. I’d guess Larry Page would do it just for giggles, let alone for the chance to hurt Facebook, which has talked so much smack about unseating Google.So what does this mean? It means Google+ guys can take the high road.It means Vic Gundotra can wait for Facebook and Instagram to keep doing dumb things, then put out a high-minded statement like the one I got from Google: “As our Terms of Service make clear, ‘what belongs to you stays yours.’ You own your files and control their sharing, plain and simple. Some of our services allow you to submit content. You retain ownership of any intellectual property rights that you hold in that content. In addition, on Google+ you can export your photos and other data whenever you’d like.”It means Bradley Horowitz can get up on stage at the unofficial photographers conference and strike a Jesus Christ pose (seriously, check out the photo on that link) and say that Google’s goal is simply “building a product for humanity.”It means Google can just keep its head down, keep adding features, keep not running ads, and watch in glee as Facebook and Instagram keep pissing off people by trying to make money off their personal information and photos. Vic Gundotra would never say this, but I’m sure he’s happy today. Facebook is Becoming Less Personal and More Pro…center_img The Dos and Don’ts of Brand Awareness Videos Tags:#Facebook#Google#Instagram#Vic Gundotra dan lyonslast_img read more

a month ago​Chelsea hero Nevin: Kepa should be unhappy with goal record

first_imgAbout the authorFreddie TaylorShare the loveHave your say ​Chelsea hero Nevin: Kepa should be unhappy with goal recordby Freddie Taylora month agoSend to a friendShare the loveChelsea legend Pat Nevin believes that goalkeeper Kepa Arrizabalaga will not be happy about his start to the season.The young goalkeeper has already conceded 14 goals in the first six competitive games of the season.While he has not been at fault for a significant majority of those goals, Nevin believes conceding so many will bother Kepa.The Spaniard will be hoping to get his first clean sheet of the season soon enough.”Chelsea this season have already given away 11 goals in just five games, that is the second most in the entire league after Norwich with 12!” Nevin wrote on the club’s official website.”The thing is, that can happen if you play such open, high-tempo football and you have a young team who are learning, even if they are learning very fast.”The positive flip side of course is that we are third top scorers in the league after Man City and Liverpool, this time scoring 11.”They are by a distance the most extreme goal statistics in the league, underlining just how exciting it has been.”In fact only Man City fans have watched more goals in their side’s matches, 23 to our 22, a measly one more for the reigning champions.”Frank will be working hard to reduce the slippage at the back and I am sure it is not making Kepa particularly happy, but as long as we keep scoring it will be fun.” last_img read more

Womens basketball Freshmen getting adjusted to college life

The jump from high school to college can be a difficult adjustment for any student, and student-athletes are no exception.The Ohio State women’s basketball team features three true freshmen this season. Forward Tori McCoy and guards Kiara Lewis and Jensen Caretti are currently going through the same adaptation process many new college students face.“It was a struggle starting off my first day,” McCoy said. “My first week, actually, I was just confused about everything.”The jump can be tough for students from small towns, especially at a large institution like OSU. Caretti is originally from Clarington, Ohio, a town which, according to the 2015 U.S. census, had a population of just 380.“It’s a big environmental change,” Caretti said. “I never expected to go this big in the first place.”The path to OSU was different for all three. Lewis attended Whitney M. Young High School in Chicago, the same school that produced teammate Linnae Harper.Freshman Kiara Lewis (23), Tori McCoy (0) and Jensen Caretti (33) pose for a photo together donning their Ohio state uniforms. Credit: Courtesy of Ohio State AthleticsDuring her senior year of high school, Lewis averaged 24.4 points, 5.3 assists, 7.0 rebounds and 3.2 steals per game. Her efforts landed her the Gatorade Player of the Year award in the state of Illinois.Ranked as the 24th best prospect in the 2016 class by ESPN, Lewis was recruited by the likes of Texas A&M and Tennessee, but said that OSU was the best fit.“I felt that the coaches were very caring and that the team was going to be pretty good,” Lewis said. “We could possibly do something big.”McCoy is a product of Saint Thomas More High School in Champaign, Illinois. She was a finalist for the Naismith Player of the Year award during her senior year, a campaign which saw her average 20.7 points and 8.7 rebounds per game. ESPN ranked her as the 10th best player in her class.McCoy’s list of college options included Baylor, Tennessee and South Carolina, but she said that she felt a different level of comfort with OSU.“The players, they made me feel welcome and that’s a big thing for me,” McCoy said. “I just enjoyed being around the girls.”Caretti was named Ms. Basketball for Ohio after her senior year at River High School in Hannibal, Ohio. She averaged 25.0 points, 11.0 boards and carried a shooting percentage of over 58 percent that year, leading to an ESPN ranking of 31st nationally.Caretti also excelled at volleyball in high school. She said that she considered playing collegiate volleyball instead of basketball, but the opportunities were far greater for basketball.“I didn’t get any big offers like I did for basketball,” Caretti said. “I never played on a travel team for volleyball, so I didn’t really get any looks because our school was so small.”Louisville and South Carolina were among the schools who looked at Caretti for basketball, but the guard said her decision to become a Buckeye was made due to the team’s recent resurgence and the fact that the school was close to home.Now, all three players have joined forces in Columbus and are helping each other get acclimated to life in college.“We actually became close really fast,” McCoy said. “They are always pushing me and I’m always pushing them too.”The tight-knit group remains together on and off the court.“We all come to the gym together, leave together — stuff like that,” Lewis said.As they settle in, McCoy, Lewis and Caretti are looking ahead to what they believe could be a special season at OSU.“I think we are going to go pretty far this year,” McCoy said. “We’re looking pretty good and we’re doing better in practices every day.”The end goal for the incoming players is obvious: Win it all.“Hopefully, we can expect a national championship,” Caretti said. “We are a great team.” read more

Gallery Ohio State defeats Northwestern 9968

OSU junior forward Alexa Hart (22) and redshirt junior guard Kianna Holland (right) cheer a teammates’ basket on March 3 at the Bankers Life Fieldhouse in Indianapolis. Credit: Ashley Nelson | Sports Director