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first_img Staff to work on Royal Wed day About 400 staff at a floor company have been told to work on Royal Wedding day, even though the government has declared it a bank holiday. The GMB union said that Lancashire-based Interfloor has told staff that 29 April will be treated “as a normal working day”. Anyone wanting the day off must request to take the day from their holiday entitlement, the union said. KCS-content whatsapp Monday 7 February 2011 8:43 pm Tags: NULL Sharecenter_img Show Comments ▼ Ad Unmute by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryUndoTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastUndoZen HeraldNASA’s Voyager 2 Has Entered Deep Space – And It Brought Scientists To Their KneesZen HeraldUndoSerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity TimesUndoBrake For ItThe Most Worthless Cars Ever MadeBrake For ItUndoBetterBe20 Stunning Female AthletesBetterBeUndoAlphaCute30 Rules That All “Hells Angels” Have To FollowAlphaCuteUndoDefinitionDesi Arnaz Kept This Hidden Throughout The Filming of ‘I Love Lucy’DefinitionUndoTaonga: The Island FarmThe Most Relaxing Farm Game of 2021. No InstallTaonga: The Island FarmUndo whatsapp Read This Next’A Quiet Place Part II’ Sets Pandemic Record in Debut WeekendFamily ProofHiking Gadgets: Amazon Deals Perfect For Your Next AdventureFamily ProofAmazon roars for MGM’s lion, paying $8.45 billion for studio behind JamesFamily ProofIndian Spiced Vegetable Nuggets: Recipes Worth CookingFamily ProofYoga for Beginners: 3 Different Types of Yoga You Should TryFamily ProofBack on the Rails for Summer New York to New Orleans, Savannah and MiamiFamily ProofChicken Bao: Delicious Recipes Worth CookingFamily ProofCheese Crostini: Delicious Recipes Worth CookingFamily ProofHomemade Tomato Soup: Delicious Recipes Worth CookingFamily Proof last_img read more

first_img Carl LEAVE A REPLY Cancel reply Reply The Anatomy of Fear Please enter your name here We were going to go to the city center groundbreaking, but the skies were too heavy with rain clouds, and it had been raining earlier, so we just drove by, down by the BK and across the back. We saw the workers with the heavy equipment taking out trees. I see the ladies there in the photo wearing their high heels there at the construction site…lol…kind of like the first lady wearing her stilettos at the hurricane damaged areas. Oh, and look at those gold shovels…. The city construction crews used to get those gold shovels passed down to them, when the city was through with the shovels, after the groundbreaking ceremonies of the past. Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Mama Mia August 18, 2019 at 4:55 pm Southeast corner perspective of an approved Hilton design.  Save my name, email, and website in this browser for the next time I comment. TAGSCity CenterHighland ManorTaurus Southern InvestmentsThe Apopka City CouncilThe Apopka Hilton Garden Inn Previous articleWhy the Pilgrims were actually able to surviveNext articleThe psychological differences between those who love and those who loathe Black Friday shopping Denise Connell RELATED ARTICLESMORE FROM AUTHOR This center is going to take 20 years to be built. Lol moving to ocoee, apopka will never get it right. You have entered an incorrect email address! Please enter your email address here Northwest corner perspective. Support conservation and fish with NEW Florida specialty license plate 2 COMMENTS Reply Share on Facebook Tweet on Twitter Please enter your comment! November 22, 2018 at 4:34 pm On Tuesday, November 20th, the Apopka Area Chamber of Commerce was excited to welcome Hilton Garden Inn to the Apopka City Center with a special ground-breaking. This is the first of many developments that will be included within the Apopka City Center.This 118 room, 4-story Hilton Garden Inn, designed with the option to create up to four two-room bridal or executive suites, will be the first development to kick off the Apopka City Center and will be located at the northeast corner of McGee Avenue & 6th Street, across from the existing Highland Manor.The entire City Center development project, which is expected to comprise approximately 35 acres centrally located at the interchange of U.S. Highway 441 and State Road 436, is proposed for 207,000 square feet of restaurants, retail, and office space as well as a hotel and homes. Eleven acres are proposed to be a community park, pond, and boardwalk. The long-term plan, which phases-in the project over the next 20 years, includes a possible 180 acres of development.This is wonderful news for the future of our City and we want to thank our Mayor Bryan Nelson, City of Apopka, Orange County Commissioner Rod Love, Orange County Commissioner-Elect Christine Eckers Moore and City of Apopka Commissioners Douglas Michael Bankson, Alexander Smith, and Kyle Becker and our Board Members and Ambassadors for joining us!If you would like for your business to be included in a future Ribbon Cutting or Ground Breaking, please contact Holly Jordan Condrey at [email protected] #LeadConnectServe. From the Apopka Area Chamber of Commercelast_img read more

first_imgFuturebuilders announces first investments of £4,227,660 A new Futurebuilders website will be launched on 5 April 2005, giving details of the application process and criteria for the next round of funding. This next Futurebuilders application window will open on Wednesday 1 June 2005 and will close on Friday 30 September 2005. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis  14 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Futurebuilders England has made its first investment offers worth £4,227,660 to 15 organisations working across England to deliver public services.Futurebuilders England, the investment fund backed by the Home Office, aims to improve public service delivery through long-term investment in the voluntary and community sector in England covering the five areas of community cohesion, crime, education and learning, health and social care, and support for children and young people.The investment offers range in size from a £1.3 million investment package to a £9,750 development grant. The largest investment offer of £1,333,860 goes to The Who Cares Trust to develop an online support service for children and young people in care. The investment will develop the site and will also help to improve marketing and support to purchasers. The investment comprises a development loan, revenue grant, working capital by way of an overdraft guarantee, and capacity building. Advertisement Howard Lake | 25 February 2005 | News 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 Researching massive growth in giving.last_img read more

first_imgDeclaración del Partido Mundo ObreroA pesar del brutal intento de la Casa Blanca de aplastar el heroico movimiento Black Lives Matter enviando agentes federales camuflados, –la policía secreta,– a Portland, Oregon, Chicago y otras ciudades de EE.UU., el movimiento y todos los que lo apoyan han estado luchando.La respuesta inicial a la amenaza de un estado policial, –cuando las madres, obreros y oprimidas en general, arriesgan sus cuerpos en Portland,– es la mejor noticia posible. Millones de personas entienden que los jóvenes de color, las personas LGBTQ2S + y las fuerzas más militantes en las calles con el movimiento Black Lives Matter han logrado más en dos meses que décadas de campañas electorales para desmantelar el racismo institucional.En Workers World Party/Partido Mundo Obrero pedimos que tomemos el ejemplo de todos los que resisten en Portland. Ahora es el momento de continuar y expandir su apoyo en todo el país para acciones callejeras contra los brutales ataques de los agentes federales y la policía local.El movimiento puede atreverse a usar todos los instrumentos a su disposición: protestas, huelgas, bloqueo de carreteras y cualquier desafío legal. Y podemos aliarnos con todos los que luchan contra estas medidas policiales estatales. Sin embargo, sabemos que debemos depender de nosotros mismos y no de políticos y tribunales para ganar esta batalla.Cuando Trump intentó a principios de junio declarar la ley marcial para aplastar el movimiento, esto le salio al reves y el movimiento se hizo más fuerte. Ahora Trump está enviando a los terroristas más reaccionarios de Seguridad Nacional e Inmigración y Control de Aduanas para atacar nuestro movimiento.El arma más poderosa del movimiento es su disposición a adoptar cualquier táctica necesaria para combatir la fuerza represiva del estado y continuar inundando las calles.Debemos mostrar nuestra solidaridad con las muchas comunidades para las cuales los oficiales anónimos que secuestran a personas en camionetas sin marca no son nada nuevo. La comunidad migrante ha luchado contra la máquina de deportación racista durante décadas.Las personas negras, morenas e indígenas dentro de los Estados Unidos han soportado la peor parte de la violencia racista y la represión por parte de la policía, las patrullantes de esclavos, los vigilantes, COINTELPRO y las tropas estadounidenses.También debemos mostrar nuestra solidaridad con las muchas naciones oprimidas de todo el mundo que luchan por la liberación que han sufrido las invasiones más viciosas, escuadrones de la muerte, guerras de poder, sanciones económicas y ataques con aviones no tripulados por el imperialismo estadounidense.Es necesario un amplio movimiento de personas organizadas, trabajadoras y oprimidas, con el liderazgo de los más oprimidos y resistiendo militantemente en las calles, para impulsar y bloquear este terrorismo policial estatal.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

first_img Previous articleFormer TCU baseball standouts to face off ThursdayNext articleTCU police: More than 40 responses to stolen property notice Abbey Block RELATED ARTICLESMORE FROM AUTHOR Facebook printA new TCU program is trying to eliminate self-doubt in women who want to be leaders.The TCU leadership center has developed a new program called Lead NOW (Network of Women) to empower women and help them gain confidence as leaders.According to a new Pew Research Center survey on women in leadership, most Americans believe women and men are equal in key leadership traits such as intelligence and capacity for innovation. Many even say that women are stronger than men in terms of being compassionate and organized leaders.Women have outnumbered men on college campuses since 1988. They hold almost 52 percent of all professional level jobs, have earned at least a third of law degrees since 1980 and almost half since 2001, according to the Center for American Progress.Women made up a third of medical school students by 1990, and since 2002, they have outnumbered men in earning undergraduate business degrees.But females continue to lag behind men when it comes to representation in leadership roles.Judith Warren, a senior fellow at the Center for American Progress, said in a broad range of fields, the presence of females in top leadership positions—as equity law partners, medical school deans and corporate executive officers—remains stuck at a mere 10 to 20 percent.Sheryl Sandberg, Facebook’s chief operating officer, said “women systematically underestimate their own abilities.”Dede Williams, director of the TCU leadership center,said  these patterns of self-doubt are demonstrated on TCU’s campus, where women make up 60 percent of the undergraduate population.“It’s harder for women on this campus to get an equal leadership position or spot in an organization, even though they could be at the same quality,” said Courtney Heier, junior kinesiology and movement science major. “For a program that shoots for equal numbers of female and male members, there is less of a chance that a female will get an acceptance than a male, even when they aren’t competing against each other.”Despite the rejection that some women face, Heier said everyone “has the potential to be a leader.”“I’ve gotten plenty of rejections from leadership roles,” Heier said. “Rejection for anyone causes self-doubt and comparison.”“There is a difference between how our student female leaders approach things and how our male leaders approach things,” Williams said. “Research shows that there’s a lot more self-doubt with women.”Heier worked with the TCU Leadership center to develop Lead NOW. The program, which is open to first-year female students by faculty nomination, provides opportunities for female students who want to develop confidence and leadership skills.Lead NOW kicked off its program with a 24-hour retreat in Weatherford, Texas. During the retreat, 27 female students participated in both large and small group sessions to explore themes such as identity, resilience, relationships and leadership.Heier said the most valuable part of the retreat was time spent in small-group discussion.“There was a lot of vulnerability there,” Heier said, “and an ability to open up and be willing to share tough experiences.”The Lead NOW program and its retreat were created to encourage female students to recognize their own unique strengths and develop confidence, Williams said.“We really wanted to have an avenue for young women to have a community where they could talk about themes of their own leadership styles,” Williams said. “We hope that they grow in their confidence levels.”Emi Gomez, a psychology and Spanish double major and member of Lead NOW, said the retreat helped her to learn more about her abilities as a female leader.“I learned more about myself and how I can separate my leadership abilities from who I am as a woman,” Gomez said. “I do not feel inferior for being a woman or a minority.”After attending the retreat, Gomez said she wants to expand her leadership experiences in the future.“By the time I graduate and continue on with my education, I want to make an impact on the TCU campus, Fort Worth and Global Community,” she said. Abbey Block A group of 27 female students took part in a 24-hour leadership retreat for Lead NOW. Linkedin Rising number of students reporting mental health issues Ballet Frontier of Texas wows in Nutcracker performance Fort Worth girl searches for a bone marrow donor ReddIt + posts Women in STEM: bias and bridging the gap Abbey Block Abbey Block Abbey Block ReddIt Twitter TCU places second in the National Student Advertising Competition, the highest in school history Linkedin Twitter Abbey Block The College of Science and Engineering Dean, Phil Hartman, retires after 40 consecutive years Facebook TCU Frog Camps returning to more traditional look this summerlast_img read more

first_img News RSF_en AzerbaijanEurope – Central Asia AzerbaijanEurope – Central Asia RSF calls for a fully transparent investigation after mine kills two journalists in Azerbaijan “We’ll hold Ilham Aliyev personally responsible if anything happens to this blogger in France” RSF says News April 9, 2021 Find out more Receive email alerts Reporters Without Borders marked Azerbaijan’s National Press Day on 22 July by calling for the release of a newspaper editor who has spent the last nine months in jail.Rauf Arifoglu, editor of the country’s main opposition daily Yeni Musavat and vice president of the opposition party Musavat, has been imprisoned in the capital Baku since 27 October 2003.”This unjustified temporary detention has gone on too long,” said the international press freedom organisation. “Freeing Rauf Arifoglu and dropping charges against him would be the best way for the authorities to mark National Press Day.”This important gesture would demonstrate that the government really wants to respect its commitments to the European Union, the Council of Europe and the Organisation for Security and Co-operation in Europe (OSCE)”, said Reporters Without Borders.The trial of Arifoglu, along with that of six other opposition leaders opened on 7 May 2004. He was accused of organising rioting that shook the country after contested presidential elections on 15 October 2003. He was accused of “disturbing public order” and “refusal to comply”. He risks a seven-year jail sentence.His lawyer, Samed Panahov, has spoken out against irregularities in the trial and lack of evidence against his client. He has said that the journalist’s state of health has deteriorated in prison – he suffers from a stomach ulcer – after being on hunger strike for ten days.Reporters Without Borders has been calling since October 2003 for Arifoglu to be bailed while awaiting the outcome of his trial. The OSCE has done the same but also in vain. On the contrary, the prosecutor-general’s office has several times extended Arifoglu’s period in custody. June 8, 2021 Find out more Newscenter_img July 21, 2004 – Updated on January 20, 2016 Reporters Without Borders urges release of opposition journalist imprisoned for nine months President Ilham Aliyev pardoned 160 prisoners on 29 December, of whom one third were political detainees. The European Union presidency hailed this gesture but nevertheless expressed concern for those arrested following the 15-16 October disturbances. It called for them to be quickly and fairly tried or released. Help by sharing this information On the eve of Azerbaijan’s National Press Day, Reporters Without Borders has called on the authorities to release Rauf Arifoglu, editor of the country’s main opposition daily and vice-president of an opposition party, who has been imprisoned in Baku since 27 October 2003. Organisation News June 4, 2021 Find out more to go further Russian peacekeepers deny foreign reporters access to Nagorno-Karabakh Follow the news on Azerbaijanlast_img read more

first_img Organisation The regime has one of the world’s worst press freedom records, both in the traditional media and concerning the Internet. Online access is handled by the British-owned telecommunications firm Cable & Wireless.Zaki, Didi, Ibrahim Lutfy and his assistant Nisreen were arrested in January 2002 for publishing the e-mailed Sandhaanu, which exposed human rights abuses and corruption in the Maldives. Zaki, Lutfy and Didi were jailed for life on 7 July that year for alleged libel and “attempting to overthrow the government.” Nisreen, then 22, was given a 10-year sentence. Lutfy escaped on 24 May last year and now lives in Switzerland.Painter and dissident Naushad Waheed was arrested on 9 December 2001 after sending e-mail messages to Amnesty International and jailed for 15 years on 12 October 2002 for alleged anti-government activity. He has been tortured several times in prison.Medical certificate of Ahmad Didi : Help by sharing this information News MaldivesAsia – Pacific Reporters Without Borders called today on the European Union to obtain the release of four Maldivian cyber-dissidents, including three persons working for the e-mail newsletter Sandhaanu, who have been jailed since police broke up a 13 August pro-democracy demonstration. One of them, Ahmad Didi, has been tortured and is reported to be in critical condition. RSF calls for open trial of Maldivian blogger’s accused murderers News RSF_en Reporters Without Borders called today on the European Union to obtain the release of four Maldivian cyber-dissidents, including three persons working for the e-mail newsletter Sandhaanu, who have been jailed since police broke up a 13 August pro-democracy demonstration. One of them, Ahmad Didi (photo), has been tortured and is reported to be in critical condition.The worldwide press freedom organisation also urged the EU and its external relations commissioner Chris Patten to “firmly condemn the harsh repression” of President Maumoon Abdul Gayoom’s regime and said it was urgent to so because the prisoners were being ill treated.The three Sandhaanu cyberdissidents – Mohamed Zaki, Ahmad Didi and Fathimath Nisreen – and cyberdissident Naushad Waheed were arrested after they escaped their confinement to house arrest in the capital, Male, and had attended the protest and addressed the crowd. Didi returned home before the demonstration ended and police arrested him a few hours later and took him blindfold and handcuffed to the Girifushi army camp, where he was continually beaten and held in filthy conditions with very little to eat. He received no medical treatment despite having serious heart problems. Nisreen was arrested at her home the same day by National Security Service (NSS) agents and is reportedly being held in solitary confinement at Maafushi prison in a 3 sq.metre cell with no mattress and very little food.Zaki was also arrested on 13 August but released a few hours later. He was picked up again on 16 August by NSS agents. He has serious back problems. His son was also arrested during the protest and is reportedly being held at the Girifushi camp.Waheed has also been detained but it is not known when, or where he is being held.Several thousand people demonstrated in Male late on 12 August to demand the release of political prisoners, including the three Sandhaanu cyberdissidents. The peaceful protest was broken up with violence the next day and President Gayoom imposed a curfew and cut the entire country off from the Internet for two days. Follow the news on Maldives Newscenter_img to go further August 18, 2004 – Updated on January 20, 2016 Call for European Union to press for release of cyber-dissidents Maldivian president’s comms chief accused of sexually harassing journalist July 15, 2020 Find out more September 12, 2018 Find out more MaldivesAsia – Pacific RSF seeks press freedom pledges from Maldives presidential candidates News Receive email alerts April 23, 2018 Find out morelast_img read more

first_img Make a comment Community News 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 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. Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Business Newsmaker Senior Living Industry Expert Joins Montecedro as Sales Counselor Julianne Powdrill brings 18 years of sales experience to Altadena-based Episcopal Communities & Services retirement community Published on Friday, August 10, 2012 | 1:18 pm Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy More Cool Stuff First Heatwave Expected Next Week Your email address will not be published. Required fields are marked * Subscribecenter_img Name (required)  Mail (required) (not be published)  Website  Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Community News 11 recommended0 commentsShareShareTweetSharePin it Business News EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS MonteCedro, a planned Episcopal Communities & Services (ECS) Continuing Care Retirement Community (CCRC), announced today that California native Julianne Powdrill has joined the community’s sales team as its newest sales counselor. In this role, Powdrill will be responsible for creating and maintaining relationships with prospective residents, establishing move-in requirements, and utilizing her expertise in the senior living industry to assist the MonteCedro sales and marketing department in achieving its goals and objectives.“With her extensive marketing and sales experience, we are excited to have Julianne join our sales team,” states Peggy Buchanan, Director of Sales and Marketing at MonteCedro. “Her knowledge and skill set will provide MonteCedro with the necessary tools the organization needs for continued growth.”As an 18-year veteran in the senior housing industry, Powdrill developed her sales and marketing skills through various positions in senior housing and non-profit organizations. Prior to joining MonteCedro, Powdrill was the Marketing Associate for a retirement community in Southern California. Within 18 months, she exceeded occupancy goals and increased residency by 75 percent. Powdrill was also responsible for creating and implementing marketing plans and overseeing all elements of the marketing department. Previously as Director of Marketing Services for New Life Management and Development, she assisted communities throughout Southern California with strategic planning and marketing plan development.In the non-profit sector, Powdrill held development positions in event marketing and fundraising. As the Financial Advancement Coordinator at Southern California Presbyterian Homes, she maintained a 1,500 member donor database, prepared financial reports, managed event logistics for an annual Golf Classic fundraiser, and her team raised $1.6 million. As the Director of Development at the Arthritis Foundation, Powdrill generated sponsorships for two annual fundraising walks and produced collateral materials.A graduate of California State University, Northridge, Powdrill received her Bachelors of Arts in Anthropology. She currently resides in Reseda, Calif. with her family.About MonteCedroMonteCedro, a planned Episcopal Communities & Services (ECS) Continuing Care Retirement Community (CCRC), is located in Altadena, Calif. As the first CCRC in the San Gabriel Valley area in more than 20 years, MonteCedro will feature a performing arts auditorium, movie theater, underground parking, heated swimming pool, home health services, formal and informal restaurants, and Masterpiece Living® enrichment program. Groundbreaking is scheduled for 2013.For more information about MonteCedro, please contact Peggy Buchanan, Director of Marketing and Sales for MonteCedro at (877) 282-1584 or visit more information about Masterpiece Living®, please visit Herbeauty6 Lies You Should Stop Telling Yourself Right NowHerbeautyHerbeautyHerbeauty7 Most Startling Movie Moments We Didn’t Realize Were InsensitiveHerbeautyHerbeautyHerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeautyHerbeautyBohemian Summer: How To Wear The Boho Trend RightHerbeautyHerbeautyHerbeautyZac Efron Is Dating A New Hottie?HerbeautyHerbeautyHerbeautyHe Is Totally In Love With You If He Does These 7 ThingsHerbeautyHerbeauty Top of the News last_img read more

first_img 2021 SCHOOL HONORS: Permian High School Facebook Facebook Home Local News Improvfection Stand-Up Comedy and Improv WhatsApp By admin – June 3, 2018 Improvfection at the Hemingway – OdessaThe Hemingway, 3952 E. 42nd St., Suite O, has scheduled Improvfection Stand-Up Comedy and Improv from 8 p.m. to 9:30 p.m. Monday.Admission is free. Must be 18 years of age and older.For more information, call Jennifer McNeely at 806-317-7059. WhatsApp Pinterest Local News Improvfection Stand-Up Comedy and Improv Southern Style Potato SaladSmoked Bacon Wrapped French Vidalia OnionUpside Down Blueberry Pie CheesecakePowered By 10 Sec Mama’s Deviled Eggs NextStay OC employee of the year always learning Previous articleTHE IDLE AMERICAN: To love, honor and writeNext articleMASTER GARDENERS: Dish out fresh cilantro and coriander seed admin RELATED ARTICLESMORE FROM AUTHOR ECISD undergoing ‘equity audit’ Twitter Twitter Pinterestlast_img read more

first_img The Week Ahead: Nearing the Forbearance Exit 2 days ago  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Did Obama Overestimate Progress of Housing Market Recovery? The Best Markets For Residential Property Investors 2 days ago Subscribe Share Save Home / Daily Dose / Did Obama Overestimate Progress of Housing Market Recovery? Previous: California Lawmaker Assigned to Two Housing Committees Next: Real Estate, Finance Industry Vet Joins Jordan Capital Finance as SVP of Business Development Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img Demand Propels Home Prices Upward 2 days ago Related Articles Data Provider Black Knight to Acquire Top of Mind 2 days ago One of the main points in President Barack Obama’s speech about housing in Phoenix on Thursday was how far the housing industry has come since the bust of 2008 and particularly since he took office in January 2009.The president reported in his speech that the housing market has not come all the way back yet and there is still work to be done. But according to one analyst, the president may have overestimated how far the housing market has come back and the administration’s role in the recovery.”We have come back off the bottom of one of the worst housing busts in the country’s history,” said Rick Sharga, EVP at, the largest online real estate market in the U.S. “But we’re still closer to the bottom than we are to the peak of the market during the housing boom. Prices have recovered, but are back to 2004 levels, meaning that we’ve still essentially lost a decade of equity. So there’s still quite a bit of room for expansion, and most people (myself included) are predicting that 2015 will be flat compared to 2014, and that 2016 may not be much better. So the market has gotten better, but it’s hardly robust.”Sharga said that the progress the housing market has made so far was mainly brought about by several factors.”And it’s important to note that this ‘recovery’ was facilitated by unprecedented action by the Federal Reserve; several years of historically low interest rates; and government-backed lending that accounts for about 96 percent of all loans being issued,” he said. “In a lot of ways, housing is still on life support; in stable, rather than critical condition, but hardly ready to fend for itself.”The president was in Phoenix to officially announce the lowering of Federal Housing Administration (FHA) mortgage insurance premium rates by 50 basis points down to 0.85 percent in order to allow more first-time homebuyers to enter the market. The lowering of MIPs by the FHA has been widely praised by government officials and housing executives alike. While Sharga said he believes that lowering the insurance premiums will result in only a “miniscule” risk to taxpayers due to the profitability of FHA, he said the impact it will have on home sales will be minimal if the administration’s estimates come to pass.”The administration estimates that 250,000 people may be able to buy a home due to the reduction over the next three years,” he said. “If they’re correct – and frankly, this administration has always overestimated the impact of its mortgage and housing-related policies – those extra homebuyers will add approximately 1.6 percent more home sales than what’s already being projected. More likely, we’ll see the FHA’s share of loan volume go up a little bit, as their offerings will now be competitive versus conventional loans, especially for sub-729 FICO score borrowers.”During his speech on Thursday, the president encouraged the audience not to buy things they could not afford, saying the new lower FHA insurance premium rates are for “responsible borrowers.””Overall, I thought the President made some good points (Thursday). I was pleasantly surprised to hear him urge people to not buy a home that they couldn’t afford,” Sharga said. “Most of the rhetoric coming out of Washington over the past few years – and from this administration in particular – have painted borrowers as helpless victims and lenders as evil predators. It was refreshing to hear a clear message encouraging people to take personal responsibility for their personal finances.”Sharga was skeptical that the Obama Administration’s Home Affordable Modification Program has had the effect on housing recovery that the administration is touting, however.”HAMP was intended to save 4 to 5 million borrowers from foreclosure,” Sharga said. “The last time I checked, there were about 750,000 modified loans in the HAMP program, and there are lingering concerns that many of them may re-default when their rates begin to reset this year. I believe that the HAMP program did have a role in pushing servicers toward better-designed loan modification programs, but to give HAMP credit for all the proprietary loan modifications made by servicers and lenders seems somewhat disingenuous, or at least too optimistic.”While the Obama Administration created the Consumer Financial Protection Bureau (CFPB) as part of the Dodd-Frank Wall Street Reform Act, the impact of the Bureau on lenders and housing as a whole may not be all positive, Sharga said.”And the CFPB, with its QM and ATR rules, along with some of the regulatory uncertainty the administration has fostered with its record financial penalties to lenders, has essentially caused lending to all but the most qualified borrowers to seize up,” he said. “This might be one way to define ‘stability,’ but it’s not doing much for the housing market, or for the broader economy.” Tagged with: Housing Market Housing Recovery President Barack Obama Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured, Market Studies, News Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily January 11, 2015 1,236 Views About Author: Brian Honea Housing Market Housing Recovery President Barack Obama 2015-01-11 Brian Honealast_img read more

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