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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 Auction.com, 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


first_imgBefore the Harvard Union of Clerical and Technical Workers, there was 9 to 5, National Association of Working Women. Founded in 1972 by Ellen Cassedy and Karen Nussbaum, then clerical workers at the Harvard Graduate School of Education, the organization dedicated itself to putting issues faced by working women on the public agenda.Allison Elias, a graduate student in the University of Virginia’s Department of History, has delved deeply into the organizational papers of 9 to 5, which are housed at the Schlesinger Library on the History of Women in America at the Radcliffe Institute. During a lunchtime presentation in the library’s Radcliffe College Room on September 2, Elias discussed her research and her work-in-progress, “Gendering the Problems of Working Women: Clerical Workers, Labor Organizing, and Second-Wave Feminism.”Elias, a recipient of a Dissertation Support Grant from the Schlesinger, found extensive labor materials in the library’s archives, from 9 to 5 and other organizations and unions. Although 9 to 5 never functioned as a formal labor union—collective bargaining didn’t figure into its activities—the organization used publicity, affirmative action campaigns, conferences, and wage surveys to improve conditions for women employed in many public and private industries. They focused on areas as varied as pay concerns and health and safety in the workplace: In the 1980s, 9 to 5 even produced their own consumer report on video display terminals.The 9 to 5 name became so tied to women’s issues in the workplace that it even spawned a pop culture classic. Actress and activist Jane Fonda admired the cause and helped bring a lighthearted take on secretaries’ plights to the big screen: 9 to 5 was the highest-grossing comedy of 1980.In addition to the organizational records of 9 to 5, the Schlesinger Library is home to several other labor-related collections, including the organizational records of the Harvard Union of Clerical and Technical Workers; the records of the Massachusetts History Workshop; and the papers of Jean Tepperman, author of Not Servants, Not Machines: Office Workers Speak Out! (Beacon Press, 1976). Elias dipped into all of these collections during her month-long visit to the library, her second research trip to the Radcliffe Institute campus.last_img read more


first_img UKGC launches fourth National Lottery licence competition August 28, 2020 StumbleUpon Share EPIC and Whysup ‘continue to make real change’ with partnership renewal August 19, 2020 ‘Pent-up demand’ for live sports drives gambling pick-up in June August 17, 2020 The UK Gambling Commission (UKGC) has revealed that the Triplebet licence was suspended ‘as part of a package of sanctions for social responsibility and money laundering failings’.Trading as Matchbook, the UKGC suspended the operator’s licence on 17 February, following an investigation by the regulator, which uncovered ‘serious failings’ relating to anti-money laundering protocols.The UKGC found that Triplebet failed to monitor business relationships and due diligence checks into members of gambling syndicates.Gambling Commission chief executive Neil McArthur said: “We have repeatedly made it clear that operators must put player protection at the forefront of their activities and ensure that they have effective anti-money laundering processes in place.“We will not hesitate to use our regulatory powers, including the suspension and revocation of licences, if we need to do that to protect consumers and the public from gambling related harm.“Any operator that doubted that we were ready and willing to use the full range of our regulatory powers should think again. All operators need to learn the lessons from this case and our other enforcement cases.’’A number of ‘serious failings’ in social responsibility procedures were also identified in the investigation. In one case, the UKGC stated that a player was able to gamble a large sum of money over the course of two days without any interaction whatsoever.Another registered user, who played and then self-excluded on the same day, was subsequently able to reopen his account six months later, before playing for 10 hours a day on consecutive days and losing a large sum before self-excluding again, without any monitoring or interaction taking place.Furthermore, the UKGC states that “one of Triplebet’s main customers” was a syndicate, whose lead contributor was a professional gambler, who also held a beneficial interest in Triplebet itself.Over an 18-month period from November 2016, the syndicate matched bets on the exchange totalling in excess of $55m, without any documented risk assessment.A statement on the Matchbook website still reads: “Today the United Kingdom Gambling Commission has taken the decision to temporarily suspend the operating licence of Triplebet Limited (t/a Matchbook). As a result, from 23:59 on 17 February 2020 we will be briefly closed for all betting and casino activity in the United Kingdom.”Adding “Matchbook has been in regular contact with the United Kingdom Gambling Commission and has agreed a path forward where it will deliver on a number of conditions. We will be back soon and we are committed to providing a betting exchange which adheres to very high standards.”In addition to the suspension, which will remain in place until Triplebet can prove it has implemented the remedial measures required by the Commission, the operator will pay a £740,000 fine.Since January the Commission has suspended the operating licences of Stakers Limited, Addison Global Limited and International Multi-Media Entertainments Limited. Share Submit Related Articleslast_img read more


first_img Full Schedule Roster Live Stats Preview Next Game: Box Score (HTML) Print Friendly Version Box Score (PDF) center_img ESPN+ Watch Live Story Links SPRINGFIELD, Mo. – The Drake University volleyball team extended its season by grinding out a 3-2 win over Bradley in the quarterfinals of the Missouri Valley Conference Volleyball Tournament Thursday evening at Hammons Student Center.The Bulldogs were the final team to qualify for the six-team field and upended No. 3 seed Bradley by set scores of 25-15, 15-25, 25-23, 22-25, 17-15.The victory was the Bulldogs’ first in the MVC Tournament since 1998. They advance to face the No. 2 seed, Illinois State, Friday at 5 p.m. on ESPN+.Drake’s (21-13) senior hitters continued to do lead the offense as they have all year with Grace Schofield (Mundelein, Ill.) battling through injury to match a career-high with 19 kills on 59 attempts. Cathryn Cheek (Coppell, Texas) added 12 kills and 22 digs along with seven blocks just hours after earning first-team All-MVC honors.Sophomore Elle Tubbs (Clinton, Iowa) helped lift the Bulldogs with a career-high 12 kills on 29 attempts, three aces and two blocks in a match where the Bulldogs out-blocked the Braves 14-9. Gillian Gergen (Janesville, Iowa) led that blocking performance with a career-high 10 blocks.Kylee Macke (Ankeny, Iowa) had another strong showing defensively with 30 digs on a night where the Bulldogs recorded 110 digs.Bradley was eliminated from the tournament despite 23 kills from All-MVC first team selection Erica Haslag and 18 kills from the league’s Freshman of the Year, Hannah Thompson. After swapping the first four sets, the Bulldogs jumped out to an early 5-2 lead in the fifth set behind two aces from Tubbs. Drake never trailed going forward, despite Bradley pulling within a point or trying the score eight times. Three kills from Schofield gave the Bulldogs match point at 14-11 and Drake needed every bit of that cushion as three-straight points from Bradley tied the match at 14-14. Finally, back-to-back kills from Natalie Fry (Allen, Texas) and Cheek gave the Bulldogs the two-point, 17-15, advantage to propel the Bulldogs into the semifinals of the MVC Tournament. vs. Illinois State 11/23/2018 – 5 p.m.last_img read more


first_imgLee Cook has signed for non-League Eastleigh. Cook joins the Spitfires having scored eight goals last season for Barnet, helping them win promotion back to the Football League.The 32-year-old from Hammersmith previously made almost 200 appearances for QPR and had spells at Fulham and Watford.See also:Cook hopes to eventually manage QPRFollow West London Sport on TwitterFind us on Facebooklast_img


first_imgJohannesburg, Tuesday 7 January 2014 – Brand South Africa congratulates the class of 2013 on their improved results and welcomes this as a positive contribution to the long terms development of South Africa.Brand South Africa CEO, Miller Matola said, “We congratulate the class of 2013 on their improved results as well as the teachers and parents who have played their part to support our learners to do best.  The improvement in the overall national pass rate and particularly in maths bodes well for the creation of a knowledge economy.  We are also pleased that the number of learners who will be able to enter university has increased.””“The National Development Plan clearly states that education, training and innovation are central to South Africa’s long-term development. They are core elements in alleviating poverty and reducing inequality.  Education enables each child to have an equal opportunity to do what they are best at.  The 2013 matric results indicate that South Africa is on the right trajectory to achieving this.”“As students, parents and teachers prepare for the 2014 academic year, we need to remember that it is the responsibility of parents and communities to play their part and support their children to ensure that they remain focused throughout the year. It is also the responsibility of teachers to inspire and assist students to do best at school and beyond.”“The ultimate responsibility of success lies with you, the learner.  It is vital that learners recognise that education provides the opportunity for them to discover their full potential.  Do not be afraid to set your own goals and aspire to meet each one!”Learners who did not succeeded in passing their matric examinations should not be discouraged, they should try again or register for the supplementary examinations. Remember the words of Nelson Mandela when he said, “Everyone can rise above their circumstances and achieve success if they are dedicated to and passionate about what they do,” concluded Matola.Note to editorsMinister Motshekga’s announcement of the 2013 matric results:http://www.education.gov.za/Newsroom/Speeches/tabid/298/ctl/Details/mid/2907/ItemID/3871/Default.aspxThe 2013 Matric Results can be accessed as follows:http://www.education.gov.za/MatricResults/ExamResults/tabid/175/Default.aspxAbout Brand South AfricaBrand South Africa is the official marketing agency of South Africa, with a mandate to build the country’s brand reputation, in order to improve its global competitiveness abroad. Its aim is also to build pride and patriotism among South Africans, in order to contribute to social cohesion and nation brand ambassadorship.Further resources from Brand South AfricaMedia are invited to visit http://www.southafrica.info/ for further resources which can be reproduced without any copyright infringement.  Kindly attribute to Brand South Africa.Follow Brand South [email protected]_SA (https://twitter.com/Brand_SA)Tell us how you Play Your Parthttp://www.playyourpart.co.za/[email protected]#DoBestFor more information or to set up interviews, please contact:Fikile MakhobaEmail: [email protected]: 071 155 9192Email: [email protected]last_img read more


first_imgShare Facebook Twitter Google + LinkedIn Pinterest We have about 395 acres of corn left to go and 78 acres of beans. That acreage of beans isn’t much but it is four different farms and seven different fields and we’ll be taking the header on and off quite a bit to do that. It is slower running the corn now too. There is more corn down and wet conditions. We can only haul a couple of dumps on the grain cart so the combine is waiting for the grain cart some. You’re limited to where you can put the trucks and it all adds layers of challenges when you get wet conditions like this.We are hoping we don’t get too much rain today and we don’t get snow on the corn. If we are lucky enough, we’ll be able to go Wednesday and maybe Thursday. We are hoping we don’t get snow because it is no fun to clean out the inside of a combine.We are also concerned about if we can get the beans down to a moisture we can handle. We don’t really have the capability of getting them through our dryer, at least until we get the corn done. That will make it more of a challenge. We’ll just have to see what we’re given and go from there.There is still some corn around. I saw some people finished up Friday. Unfortunately I had some more combine problems. They had been haunting us all season. We also had some dryer problems. I think I finally spent enough time tearing things apart to get that fixed too.The cover crops are done. It is too late to plant any more. We are getting ready to inventory those for next summer.We’re typically done before Thanksgiving. With the way the weather forecasts are, it looks like it will be a challenge in the next week or so to get a whole lot done.last_img read more


first_imgAbout the authorPaul VegasShare the loveHave your say Tottenham boss Pochettino: Liverpool have title advantage playing at Anfieldby Paul Vegas10 months agoSend to a friendShare the loveTottenham boss Mauricio Pochettino fears new stadium delays will wreck their title bid.He feels Anfield gives Liverpool the advantage as his second-place side battle for glory.Liverpool beat Newcastle 4-0 at home on Boxing Day and Poch said: “I saw the highlights, the Anfield crowd are desperate to win and are showing their support to the team.“Anfield was amazing, every game Liverpool are at Anfield is a party and that sometimes makes a difference.”Pochettino and his players are still having to play matches at Wembley as their new £850million stadium — which was supposed to open in September — is not yet finished.Pochettino said: “We cannot ask more from our fans, they are doing a fantastic job. The circumstances of this period in the club, we need to be strong and we cannot complain.“It’s not easy to get to Wembley on public transport, it’s not easy.“Our fans tried to raise the atmosphere but in a 90,000 stadium we’re limited to 51,000. We had 45,000.“That is why when I was asked before, ‘Do you want to move into our new stadium as soon as it is ready?'”I said ‘Of course, as soon as possible,’ because it’s going to be a massive boost for the team. It’s going to be a place where the fans can help the team achieve more. There is no doubt.” last_img read more


first_imgchris christie and jerry jones celebrate.Twitter/@Bogs4NYLaremy Tunsil may be lucky that this year’s draft is in Chicago, and not New York City. An overzealous former prosecutor may have hopped state lines to bring him in after a hacker posted an old video of him smoking a bong out of a gas mask to his Twitter account.New Jersey Governor and former presidential candidate Chris Christie joined WFAN’s Boomer & Carton on Friday morning to discuss the draft, and spent a lot of time expressing his bemusement about the Tunsil situation. At one point, the former New Jersey Chief Federal Law Enforcement Officer said that if he were still a prosecutor, he would have “gone in and cuffed” the Ole Miss offensive tackle. Buzzfeed’s Christopher Massie transcribed some of the more interesting parts of the appearance:“It’s unbelievable,” Christie said. “Because the bong hits aren’t enough. Give me the gas mask too. It’s incredible. I can’t take my eyes off it. It’s unbelievable.”Earlier in the interview, Christie, who opposes marijuana legalization, said, “When I was a prosecutor, I would’ve gone in and cuffed this guy,” adding, “I would’ve been all over it.”Christie also expressed sympathy towards Tunsil, saying, “Poor kid in that respect. I mean, he did it. But who’s the guy that hates him enough that they had access to the video and put it on. I mean, wow.”Here is the full interview: [Buzzfeed]last_img read more


first_imgNew Delhi: The National Capital region was hit by an earthquake on Tuesday afternoon. The tremors were felt in different areas of the national capital region including New Delhi and Noida.The 6.3 magnitude earthquake struck north-west of Lahore on Tuesday afternoon. The tremors, which lasted a few seconds, were felt at around 4:35 pm in Delhi. The quake forced people living in Noida, Greater Noida, Gurugram and Ghaziabad to come out from their residential and commercial high-rises. However, no causality or major loss was reported in Delhi and the National Capital Region (NCR). Delhi and its adjoining areas fall in the very sensitive Seismic Zone 4. Also Read – Odd-Even: CM seeks transport dept’s views on exemption to women, two wheelers, CNG vehiclesAccording to experts, tremors are caused due to Eurasian and Indian tectonic plates. The geological activity born out of this collision, also responsible for the birth of the Himalayan mountain range, is the cause of unstable seismicity in the region. But the concern remains for the skyscrapers in unplanned urbanisation which can lead to higher levels of destruction during powerful earthquakes. Increased seismic activity at frequent intervals has been posing a threat to the region. Also Read – More good air days in Delhi due to Centre’s steps: JavadekarGeologically, Delhi and its suburbs including Ghaziabad and Noida together form a part of the Indo-Gangetic alluvium, which is filled with silt, sand, and loam. Disaster management experts said that upward areas along Yamuna and Hindon rivers are more vulnerable in case of an earthquake. Experts said that there are more than 50 lakh buildings in Delhi-NCR. Most of them do not have proper safety norms. Buildings close to the rivers are more vulnerable to earthquakes. Close to National Capital is Gurugram, which has many highrises prone to quakes. Tremor strikes city As soon as the earthquake hit the city, the people started informing other known persons through phone calls. People also used social media to share their experience during the tremor. “Just experienced #earthquake in Delhi CP. I sit in 9 floor and for some seconds I thought I experienced dizziness until the second colleague said she experienced it too. #delhiearthquake,” reads one of the tweets related to the earthquake. Another Twitterati tweeted that “Earthquake guys! Quite long. #DelhiEarthquake”. “Experienced an earthquake after 15 years. Failed to understand if I was dizzy or was the building actually moving #earthquake#earthquakeindelhi#delhiearthquake,” another tweet reads.last_img read more

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