Community News Make a comment Herbeauty9 Gorgeous Looks That Have Been Classic Go-tos For DecadesHerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeautyHerbeauty15 Countries Where Men Have Difficulties Finding A WifeHerbeautyHerbeautyHerbeauty7 Most Startling Movie Moments We Didn’t Realize Were InsensitiveHerbeautyHerbeautyHerbeautyBohemian Summer: How To Wear The Boho Trend RightHerbeautyHerbeautyHerbeautyThe Kardashians Know How To Throw A Good Party!HerbeautyHerbeauty Name (required) Mail (required) (not be published) Website First Heatwave Expected Next Week Sheriff Baca was a keynote speaker today at the Quality of Life Center’s Bright Future Scholars in Altadena. CEO and Dean of Scholars Dr. Sandra Thomas welcomed mentors Los Angeles Sheriff Lee Baca, Altadena Sheriff’s Captain John Benedict, Senator Carol Liu, Congressmember Judy Chu and General Manager of the Pasadena Water and Power Phyllis Currie to speak to Altadena and Pasadena youth.The Sheriff spoke about growing up in Los Angeles and his journey to becoming the leader of the largest Sheriff’s Department in the nation, the Los Angeles County Sheriff’s Department.Dr. Thomas told the audience that she was extremely proud of the success of the now nationally acclaimed programs; one such being the Bright Futures Scholars Support Program. Participating scholars focus on daily leadership development as well as marketability preparation towards future goals. The youth strive to meet the expectations that are set for them – and at the Quality of Life Center, these expectations are high. Consider some of their recent results:* 100% of the seniors in the programs from all local high schools have enrolled in a college.* The programs are in the top 10 percent of all academic programs in the country.* In the past five years, program participants have grown in annual numbers from 35 to more than 500.* In academic achievement, the Bright Futures Scholars Support Program, when compared to others with similar demographics, rank at the top state wide.* Community leaders such as the senator, congressman, assembly member, county supervisor, ,mayor, council members, corporate executives, doctors, lawyers, judges, local schools superintendent, law enforcement and others, willingly volunteer their time to mentor our scholars individually as well as in groups.* Each spring, qualifying scholars attend a seven day leadership retreat on Capital Hill in Washington D.C. and put into practice all of the skills they have acquired throughout the year.* The Quality of Life Center, Inc., continues to instruct young participants in the importance of giving back to their community through programs such as the “SSS Program – Students Serving Seniors”.* Program Participants are all engaged in playing an active roll in addressing social, economical, as well as community issues on all levels.For more information, visit qualityoflifecenterinc.com or the Altadena Sheriff’s Station Web Page. Your email address will not be published. Required fields are marked * 19 recommended0 commentsShareShareTweetSharePin it More Cool Stuff Subscribe 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 Business News Community News Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,PCC – EducationVirtual Schools PasadenaDarrell Done EducationHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes 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. Top of the News Education Sheriff Baca Speaks to Bright Future Scholars in Altadena Story and Photo courtesy of Altadena Station, Los Angeles County Sheriff Dept. Published on Monday, December 3, 2012 | 4:48 pm Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena
Redfin to publish broker commissions on 700K listingsNAR hit with another antitrust lawsuit over commissions and MLS rulesNAR pockets win in resi listings antitrust case Share on FacebookShare on TwitterShare on LinkedinShare via Email Share via Shortlink American broker fees are among the highest in the world. (Getty) The age-old question of what justifies broker fees often comes up as people embark on buying or selling their homes — and discount brokerages are egging on the conversation.American home sellers and buyers pay among the highest fees to agents, the New York Times reported. In the U.S., the standard fee is 6 percent, with 3 percent going to the seller’s and buyer’s agents, respectively. Compare that to Asia or Europe, where standard broker fees are as low as 1 or 2 percent.There have been a string of lawsuits over the past two years accusing the residential real estate industry of conspiring to keep broker fees high and violating U.S. antitrust laws in the process. The instigators range from private citizens to the U.S. Justice Department, with some industry members trying to offer discount models to consumers.Read more Tags Share via Shortlink As the pandemic has pushed even more of the buying and selling process online, discount brokerages with models based on online listings and transactions are keeping the subject top of mind.Last week, Redfin announced it would publish agent commissions on thousands of public listings. It’s a move that’s in line with the spirit of the Department of Justice’s settlement agreement with the National Association of Realtors for the industry to make agent commissions more transparent to consumers and fix the industry’s misleading, incorrect advertising.Weeks earlier, an Oregon brokerage, REX Real Estate, filed a state lawsuit challenging the state’s policy of banning brokerages and agents from refunding commissions to buyers. The brokerage is exploring filing similar suits in Louisiana, Missouri and Tennessee.The firm says the logic behind the suit is based on the view that homebuyers are doing an increasing amount of the work to find a home without an agent’s help.“You’re starting to see a kind of drum beat,” Mike Toth, REX’s general counsel, told the Times. “Buyers are doing so much of the work themselves. So why are commissions so high?”The continued suits and positioning of firms like Redfin and REX indicate that pressure on the industry to reduce fees and increase industry competition is not going anywhere.[NYT] — Erin Hudson redfinResidential Real Estate
Biogenic dimethylsulfide (DMS) is a significant contributor to sulfur flux from the oceans to the atmosphere, and the most significant source of aerosol non sea-salt sulfate (NSS-SO42−), a key regulator of global climate. Here we present the longest running time-series of DMS-water (DMSW) concentrations in the world, obtained at the Rothera Time-Series (RaTS) station in Ryder Bay, West Antarctic Peninsula (WAP). We demonstrate the first ever evaluation of interseasonal and interannual variability in DMSW and associated flux to the atmosphere from the Antarctic coastal zone and determine the scale and importance of the region as a significant source of DMS. Impacts of climate modes such as El Niňo/Southern Oscillation are evaluated. Maximum DMSW concentrations occurred annually in January and were primarily associated with sea-ice break-up. These concentrations resulted in extremely high (up to 968 µmol m−2 d−1) DMS flux over short timescales, which are not parameterised in global-scale DMS climatologies. Calculated DMS flux stayed above the aerosol nucleation threshold of 2.5 µmol m−2 d−1 for 60% of the year. Overall, using flux determinations from this study, the total flux of DMS-sulfur from the Austral Polar Province (APLR) was 1.1 Tg sulfur yr−1, more than double the figure suggested by the most recent DMS climatologies.
Sir Charlie Mayfield became the John Lewis Partnership’s fifth Chairman in March 2007 after joining the Partnership in 2000 as Head of Business Development, responsible for business strategy and development for both John Lewis and Waitrose. Charlie joined the Board as Development Director in 2001 and was responsible for developing the Partnership’s online strategy. He became Managing Director of John Lewis in January 2005 prior to taking up his appointment as Chairman of the Partnership in March 2007.Charlie began his career as an officer in the army. He joined SmithKline Beecham in 1992 and became Marketing Manager for the Lucozade brand, before moving to McKinsey & Co in 1996, where he worked with consumer and retail organisations.Charlie is Chair of the Productivity Leadership Group and is the President of the Employee Ownership Association. He is also a Trustee of Place2Be and a Director of FabIndia, and Non-Executive Chairman of QA. He received a knighthood in June 2013 for services to business.The role is not remunerated. This appointment has been made in accordance with the Cabinet Office’s Governance Code on Public Appointments. The appointments process is regulated by the Commissioner for Public Appointments. Under the Code, any significant political activity undertaken by an appointee in the last five years must be declared. This is defined as including holding office, public speaking, making a recordable donation, or candidature for election. Charlie has declared no such political activity.
Pesticides are a costly but essential tool farmers use to control plant diseases and insects. Crop rotation continues to be a more reliable and economical management strategy. “Rotations are the cornerstone in disease and nematode management,” said Bob Kemerait, a plant pathologist with the University of Georgia Tifton campus. “If a grower plants the same crop in the same field over and over, the pathogens, often molds and fungi, and nematodes become problematic.”Nematodes are tiny microscopic worms that feed on roots and stunt crop growth. If cotton is planted in the same field year after year, populations of the southern root-knot nematode are likely to reach damaging levels. Peanuts are generally rotated with cotton crops as peanuts are not affected by the southern root-knot nematode and will reduce the damage cotton growers face in coming seasons.Poor crop rotations can make managing plant diseases and parasites more difficult and increasingly expensive. Unfortunately for growers, even an expensive management program using nematicides and fungicides cannot fully replace an effective crop rotation, Kemerait said.“One of the main reasons we rotate peanuts and cotton is they both attract a nematode, but it’s a different nematode. One doesn’t affect the other,” said Glen Harris, a soil and fertility specialist with the UGA Tifton campus. “If you plant cotton after cotton after cotton, you build up a nematode problem. You throw peanuts in there, it knocks them back for at least a year.”Scott Tubbs, a UGA peanut systems agronomist with the Tifton campus, recommends farmers plant peanuts four years apart. Most growers, however, say they can only justify a three-year gap between peanut crops. Some farmers argue that equipment and other costs that have to be factored. Because peanut equipment is not being used for an extended length of time, thereby not justifying its expense, most farmers prefer a shorter rotation.“We don’t argue that point. That’s the grower’s decision,” Tubbs said. “The data shows that there’s a much bigger jump going from a two-year rotation to a three-year rotation than there is going from a three-year to a four-year.”Some farmers approach the planting season with their eyes fixated on the current market prices. Others base the upcoming year on what they’ve planted in the past.“Some of the farmers are driven strictly on rotation. They are less concerned with market prices. Many maintain a defined rotation on a percentage of their land and hold a portion of their acreage as flexible based on best contract options. That’s why in years when contracts aren’t there, you’re still getting 450,000 to 500,000 acres in the state and that’s because growers often stick to a dedicated rotation,” Tubbs said. He stands by UGA’s peanut rotation recommendations. “For the entire plant’s health, nutrients, pest-related (issues), system rotations are very helpful in creating good balance for the farmer and long-term sustainability,” Tubbs said.Another reason crop rotations are significant are the benefits they bring to the soil. If the same crop is repeated planted, the same nutrients and minerals in the soil are consumed.“If you continually grow peanuts, which have a high calcium requirement, you’re going to continuously be pulling a lot of calcium out of the soil. If you put in corn, which doesn’t have as high of a calcium requirement, it’s not going to be removing calcium as quickly from the soil and you have a chance to replenish and recycle some calcium into the system when you leave the residues there,” Tubbs said.For more on crop rotation, see the UGA Cooperative Extension publications at www.caes.uga.edu/publications.
Neymar 1 Neymar had a night to forget as Colombia claimed their first victory over Brazil in 24 years at the Copa America courtesy of a 1-0 scoreline.The Barcelona forward booted the ball at Pablo Armero in frustration, moments after the final whistle, and then attempted to head butt Jeison Murillo.Colombia striker Carlos Bacca soon aimed a retaliatory push at the Selecao captain before a full blown melee erupted.Neymar, who had already been booked earlier in the game, attempted to make himself scarce, but was sent off by the referee as he headed down the tunnel.The 23-year-old will learn the length of his ban later today, but definitely won’t be available to feature in Brazil’s final group fixture against Venezuela on Sunday.You can see the incident in full below…
ST EUNAN’S SET TO DEFEND THEIR TITLE ON SUPER SUNDAY:Another Super Sunday looms as the Irish rugby team prepare for theirWorld Cup quarter-final clash with Argentina, the Irish soccer team(the Southern one at any rate) await their fate in the play-off drawbeing staged on the same day, and the most crucial of them all, theRTE Raidio na Gaeltachta Donegal Senior Championship Final taking starbilling in Ballybofey.Maxi CurranThe bookies have made Naomh Conaill the favourites in the eagerlyawaited clash with St. Eunan’s but, hey, they’ve been stung before(not least by this parish’s own Mark Forker who put a couple of bob onIreland to beat Germany 1-0 and Shane Long to open the scoring lastThursday though, unfortunately, not on a double docket). No betting man in this column but I confidently predict a County Finalworthy of the name and certainly a match that won’t be as one-sided aseither of the semi-finals.Martin Regan, not too long in the managerial hot seat in Glenties,feels his team don’t get the credit they deserve at times and he’sprobably right in that.They’ll be up for it from the start come Sunday afternoon but I have asneaking feeling that it will be Maxi Curran’s men celebrating at thefinish and bringing the Dr. Maguire Cup through the Bullock Park andback to where it ended up last year.GREEN GIANTS TO BE TESTED (AND THE BIGGEST OF THEM ALL TO WEAR THECOLOURS AGAIN) Absolutely no doubt which international team provided us with the mostthrills last weekend even if it all came at the expense of thatdreadful injury to Paul O’Connell which rules him out of the rest ofthe tournament and, we are told, from ever appearing again in thegreen jersey. The injuries to Peter O’Mahony and Johnny Sexton will at least heal intime for them to don the shirt again at some stage – in Sexton’s case,perhaps as soon as this weekend. But it was the hamstring tear to thecolossus that is O’Connell that drew the most sympathy as the big lockwas stretchered off during that bruising battle with the French andinto, seemingly, enforced international retirement.I say seemingly because somewhere somehow I have this feeling that wewill, in fact, see the Irish captain again in the shirt he served sowell since making a try scoring debut in the Six Nations against Walesback in 2002. It may be just a November test match and it may be acameo appearance but I can’t believe that the I.R.F.U. wouldn’t allowhim the honour of taking a final bow at the Aviva Stadium toofficially bring the curtain down on that distinguished career.Carted off at the Millennium Stadium – spectacular as the venue is andfilled as it was with adoring Irish fans – is no way for him to endhis international days. He deserves much more than that.Like the rest of us, meanwhile, he’ll be watching on as the Argiesattempt to spoil the Irish party with a team well capable of doingjust that. The Pumas were comprehensive winners over all their rivalsin Pool C bar one, and not surprisingly it was the All Blacks whoclaimed the win against them but only after being tested to the limit. Joe Schmidt’s team will know for certain they have been in a game – arepeat of that blistering second half performance against France couldwell ensure they are still in the tournament come Sunday evening. Butwe’ll have bitten a few nails before the finish.POLE AXEDThe only consolation for those of us watching on from Donegal asMartin O’Neill’s Ireland fell to defeat in Poland was the fact thatRonnie Whelan awarded the man of the match award, deservedly at that,to Seamus Coleman, back in the side after missing the win overGermany.That apart it was a disappointing outing, particularly in a game whenautomatic qualification could have been secured and we could have beenbrushing up on those old French verbs. True, if the Poles did not possess a striker of the quality of RobertLewandowski, the Republic might have nicked it though you’d have toask how, seeing as O’Neill’s men created so little on the night andwere tactically off the pace.Now we venture into the play-offs and despite the optimism of somepundits who appear to have dismissed many of the countries in the pot,it’s going to be a slog over the two legs whether it be Sweden,Hungary, Denmark or what ever team comes out of the hat on Sunday.Still, at least we lasted longer than Holland.AND HERE’S ANOTHER PLAY-OFF ON THE HORIZONFinn Harps welcome champions Dundalk to Ballybofey this weekend.Whoops, getting ahead of myself here. That’s next season’s preview.We’re still waiting on the outcome of this one though the bit aboutthe champions is spot on.Back to back Premier League successes for Stephen Kenny and wellmerited with a squad that was head and shoulders above their closestrivals and played some outstanding football throughout (though I’dstill be concerned about the artificial surface at Oriel Park). Harps face at least three more matches – and if it stops there, therewon’t be a slot in the upper league for next campaign – over the nexthandful of weeks with the least important being this Saturday night’sfinal league fixture against the First Division champions, WexfordYouths.Oliver’s Army travel to Belfield the following weekend for the firstleg of their play-off before the return leg in Ballybofey. Should theyprogress, they could be facing any one of five or six teams stillhovering around the drop zone in the Premier Division.That selection will be reduced come this weekend’s fixture list butone thing is certain. Paul Hegarty’s Derry City team won’t be amongthem.More’s the pity.A NIGHT OF AWARDS AND A SPECIAL TRIBUTEThere’s rarely a day goes by when I don’t pass through the Ballyrainearea of Letterkenny and rarely a day when I don’t still expect to seethe big man pottering around his garden or in the shed behind hishouse.Neil Cullen, stalwart of Donegal athletics and indeed football in aprevious existence, may be gone but his memory lives on and it wasfitting that M.C. for last Friday night’s Letterkenny A.C. awardsceremony, Marty Gormley, remembered him and those of us in theattendance likewise.It was a night for tributes and presentations – the honours werecarried out by R.T.E.’s Greg Allen – but a sad year in one respect, asMarty pointed out, with the loss of Big Neil. A jovial character and aman of great humour, he described him. And someone who tooksignificant pride in the achievements of the young athletes in hischarge and those who went on to greater things.Marty remembered travelling to many an athletics meeting with Neil –they were, he said, the ‘Ant and Dec’ of Letterkenny (only – even ifMarty didn’t say it -a lot funnier).The stories were legendary just like the big man himself. And thegenerous round of applause called for by the M.C. on Friday night inthe appropriate surrounds of Arena 7, not a 200 metre sprint from hishome, in memory of this giant of Donegal sport, represented a fittingtestimony to him.Perhaps, a more lasting testimony might still be considered by theclub, and indeed the County Athletics Board, in recognition of all hisachievements.BORDER INCURSIONSThree thoughts arrived quickly into this head as the celebrations onboth sides of the borders continued on Thursday night following hugelyimpressive results by the respective international teams operatingunder the managership of a duo of M. O’Neills.First of all, my mind drifted to the Irish rugby camp and the likes ofRory Best and Iain Henderson proclaiming Northern Ireland’s advance tonext summer’s European Championships and, on the other hand, thesmiles on the faces of such as Paul O’Connell and Johnny Sexton(smiles that were sadly to turn into painful grimaces just a few dayslater) following the Republic’s win over the Germans. What a nightthat must have been for Joe Schmidt’s squad – and what a boost inlight of their own adventures in the World Cup.And then my thoughts turned back to a night in November 1993 whenWindsor Park hosted a game of a different colour (or rather the samecolour but featuring the most bitter of splits down the middle). Iwasn’t among the band of Republic supporters who braved the insultsand outright venom that hailed down from the terraces occupied bysections of the home support (and let’s be fair, many of those fansdidn’t share in that hatred) and could hardly, within fear of furthervitriol, celebrate Alan McLaughlin’s famous equalizing goal thathelped qualify Jack Charlton’s men for the World Cup Finals in theU.S.Over twenty years later, I still taste that bitterness only it’s myown that I’m tasting – and when Northern Ireland were going teninternational games without scoring and sixteen without recording avictory, there was a smirk of avenging satisfaction greasing thesefeatures I have to confess. And all because of that night in November.But things change and began to change when Michael O’Neill took overand brought the team out of the international wilderness. And now, Imay even cheer them on in France next year.And the third thought? Or memory. An afternoon in the Delacroix Bar inDerry. On the television screen in the corner of the packedestablishment, the Republic of Ireland are a goal down to Germany inthe 2002 World Cup Finals and the game is edging into injury time. AndNiall Quinn rises to flick on a ball to Robbie Keane in the box andthe Republic’s all-time leading scorer drills the ball home for adramatic late, late leveller.Cue celebratory pandemonium on the pitch and in the homes and pubs ofIreland, and not least in the Delacroix Bar where complete strangers(I know because I’m one of them) are hugging and leaping in thegeneral direction of the ceiling. And it was only later on that Irealised I had been celebrating with a bunch of Northern Ireland bornand bred punters who weren’t interested in the fortunes of their ownnative land but were 100% behind Mick McCarthy’s band of warriors.Political persuasion, I know, borne of years of division but I stillwondered about it and wonder what percentage of them were punching theair as Shane Long netted that winner last Thursday night at the AvivaStadium while ignoring events up the road at Windsor Park.Funny old game, Saint.FROM SHAMROCK ROVERS TO EURO FINALSNot the first time, Michael O’Neill has led an Irish team to Europeanheights though not much has been said about it in recent days as hisNorthern Ireland squad confirmed their place in France next year.He made history by becoming the first League of Ireland manager –indeed the first manager of any Irish domestic club – to lead a sideto the group stages of a European competition back in the 2011-2012campaign. Under his guidance Shamrock Rovers recorded a 2-1 win awayat one of the shining lights of the game, Partizan Belgrade, to earnthat prestigious spot in the Europa League.True, they went on to lose all six of the subsequent matches but stillhad the audacity to take the lead against Tottenham Hotspur at WhiteHart Lane before succumbing to a 3-1 loss.Credit to O’Neill for that particular slice of history but, of course,even more so for leading the North to their first ever EuropeanChampionship Finals. With his squad of lesser lights, plying theirtrade in everywhere from Hamilton Academicals to Ross County and fromFleetwood Town to Doncaster Rovers, he managed to bring them throughfinishing on top of top of the pile in their group, even if, it has tobe said, that group featured a handful of nations struggling on theinternational front in recent times. It still shouldn’t take away fromthe achievement and whatever happens in France, O’Neill will no doubtbe the subject of club attention given what he has managed thoughhe’ll hardly be heading back to the Tallaght Hoops any time soon orlater.WEDDING BELLSYou have have noticed – though just as likely not – that this columnwas missing last week. Reason? Attendance at the wedding in Sicily ofmy nephew, Michael, and his new bride, Niamh. Many congratulations andyears ahead to both of them.SHIRT DEALI see the shirt worn by Ramelton’s Dave Gallaher in his playing careerwith the All Blacks has been sold for 180,000 euro.Doesn’t really surprise me to be honest what with the cost of footballjerseys these days……HEARTBREAK FOR PAULIE, IRELAND POLE AXED AND PLAY-OFF FEVER – IT’S WALSHY ON WEDNESDAY was last modified: October 14th, 2015 by Mark ForkerShare 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)Tags:newsSport
But with the … Click here if you’re unable to view the photo gallery on your mobile device.SANTA CLARA — The 49ers showed poise, pragmatism, and resiliency in their 36-26 win over the Arizona Cardinals Sunday.Those are characteristics that have served them well all season — the characteristics of a playoff team in the NFL.And in overcoming their own failures to win Sunday, they put themselves a win or two away from effectively clinching a playoff berth — the team’s first since 2013.
27 January 2004Trade and Industry Minister Alec Erwin has announced changes to the Usury Act to protect both banks and borrowers when the latter suffer from incurable diseases and become too ill to repay their loans.The move will see banks having little reason to refuse housing finance to people with incurable diseases such as HIV/Aids.Erwin said last week that the department of trade and industry (DTI) intends “to exempt certain money lending transactions, secured by a mortgage bond over immovable property, from the loan guarantee policy”.Under the current policy, such properties may be sold to recover amounts owed on housing loans.The notice of this exemption was published in the Government Gazette on 16 January.Under current policy, the DTI said, people with incurable diseases such as HIV/Aids can lose their homes as a result of their failure to make repayments on their bonds, with banks then selling their homes to recover the money owed to them.The new changes seek to stop such practices.The new policy will see banks getting home loan guarantees from section 21 companies such as the Home Loan Guarantee Company (HLGC), and should a person fail to repay their bond, the guarantee will pay off the loan and save the borrower’s home from being sold.HLGC chief operating officer Rudolph Willemse said his company welcomed these changes, as they wanted to see more people accessing home loans despite their HIV status.He added that his company would provide a guarantee to banks when people with incurable diseases applied for home loans – with high premiums because of the risk -as is the case with low-income earners.“Borrowers suffering from incurable diseases, whose money-lending transactions meet the notice requirements, may qualify for this exemption”, the DTI said. “As a result, special protection will be accorded to such borrowers.”The new changes will also see outstanding debt being settled without banks having to sell the bonded property in order to get their money back.The DTI said the changes would help reduce homelessness, as in the event of the death of the borrower, the person’s next of kin, particularly his or her children, would inherit the fully paid-up property.Source: BuaNews