Governmental Measures Target Expanded Access to Affordable Housing 2 days ago October 9, 2018 1,923 Views Subscribe Data Provider Black Knight to Acquire Top of Mind 2 days ago Print This Post Assets Fannie Mae Freddie Mac HELOCs loans mortgage S&P Global Servicing 2018-10-09 Radhika Ojha Previous: Hurricane Michael Estimated to Cause $13.4B in Property Damage Next: Factors Impacting Delinquent Loan Projections Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily in Daily Dose, Featured, News, Servicing Home / Daily Dose / What’s Driving Mortgage Servicing? Servicers Navigate the Post-Pandemic World 2 days ago What’s Driving Mortgage Servicing? Related Articles Tagged with: Assets Fannie Mae Freddie Mac HELOCs loans mortgage S&P Global Servicing The Week Ahead: Nearing the Forbearance Exit 2 days ago Steven Frie, Director, Structured Finance, S&P Global RatingsAs Director of Structured Finance at S&P Global Ratings, Steven Frie’s primary responsibilities entail performing onsite reviews of mainly residential, and some asset-backed servicers, with subsequent production of an analysis and ranking of the entities’ operations. He recently spoke to DS News about the new trends he’s seeing in the servicing industry and his insights into the origination side of the business.What trends are you seeing in the servicing industry this year? One of the notable trends is the continuous growth of many non-bank servicers as they persist in their efforts to expand their servicing businesses through portfolio purchases of distressed accounts while also continuing to expand their portfolio of prime loans serviced.Additionally, although the Bureau of Consumer Financial Protection (BCFP) has adopted a somewhat less assertive approach to enforcement, they continue to be involved in investigations, and most notably, many states have conversely indicated they will take a more assertive approach to regulation. Finally, servicers are more active in exploring artificial intelligence (AI) within their operations to reduce manual processes, and concurrently, reduce costs as the cost to service a loan has risen substantially over the last several years. All of these trends will continue into 2019.Your previous role at S&P entailed servicing and origination assessments of residential mortgage companies. Can you share some of your learnings about the industry from that role?The biggest takeaway was that I got to learn more about the origination side of the business during my first year at S&P. My previous experience was always in loan servicing so I gained valuable insight into how a loan is made, in essence, seeing how a process works (underwriting, processing, etc.) before the account is closed and set-up on a servicing system. That really helped me fully understand the entire loan life cycle. Previously, I had only handled loan servicing from a prime perspective, in that the accounts were mainly sold to Fannie Mae, Freddie Mac, and Ginnie Mae. Once I started at S&P, various other asset types were becoming popular such as subprime, high LTV, and subordinate lines (HELOC and closed-end seconds) so I learned more about the different aspects of servicing these other product lines. What does a typical day look like for you and what is the most rewarding aspect of your job?My day generally encompasses analyzing notes and other materials that I have received as a result of my client onsite reviews and preparing a report that ranks their operations. I also write articles and communicate frequently with my colleagues about industry topics. The people I work with are some of the nicest and intelligent individuals I have worked with over the course of my career. What makes my job enjoyable is the fact that there are no egos within the team, and we understand the meaning of the term “agree to disagree.” Servicers Navigate the Post-Pandemic World 2 days ago Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago About Author: Radhika Ojha Governmental Measures Target Expanded Access to Affordable Housing 2 days ago
England Golf has announced its team for the Boys’ Home Internationals to be played at Ashburnham Golf Club, Wales on Tuesday, 6 – Friday, 9 August.England successfully defended the title at last year’s Boys’ Home Internationals at Royal Dornoch.The Players Jack Bigham, 15 (Harpenden, Hertfordshire) was sixth at the English Boys’ U16 Open Stroke Play Championship (McGregor Trophy), eighth at the Peter McEvoy Trophy and tenth at the Henry Cooper Junior Masters. He represented England in the recent European Young Masters where he finished in a tie for 20th place.Barclay Brown, 18 (Hallamshire, Yorkshire) was a member the English team that won last year’s Boys’ Home Internationals and also represented his country in this year’s European Boys’ Team Championship. He was fourth in the Junior Orange Bowl International in the US at the start of the year. Won the Carris Trophy last year.Enrique Dimayuga, 18 (Walton Heath, Surrey) represented England at the recent Dutch Junior Open where he finished ninth. He was also 11th at the French International Boys’ Championship.Conor Gough, 16 (Stoke Park, Berkshire) has missed much of this season studying for his GCSE exams but before taking time out he did win the Major Champions Challenge in the US. Had a stellar year during 2018 when he won the Boys’ Amateur Championship, the Fairhaven Trophy and the McGregor Trophy. He played on the winning English team at last year’s Boys’ Home Internationals. Also represented England at the European Boys’ Team Championship.Max Hopkins, 16 (Bishops Stortford, Hertfordshire) is another player who has seen his season curtailed due to exams but did return in time to represent England at the European Boys’ Team Championships. He was also a member of the winning English team at last year’s Boys’ Home Internationals. Became the youngest ever winner of the Daily Telegraph Junior Championship late last year. Was second at the Henry Cooper Junior Masters and fifth at the Peter McEvoy Trophy.Habebul Islam, 18 (Ipswich, Suffolk) was part of the winning team at last year’s Boys’ Home Internationals. He started this year with a 19th place finish in the Portuguese International Amateur and has also been 17th at the French Boys’ (Carlhian Trophy), 18th at the Brabazon Trophy and 16th at the Tillman Trophy.Jacob Kelso, 18 (Kings Hill, Kent) makes his first appearance for England in the Boys’ Home Internationals. He was third at this year’s Sir Henry Cooper Junior Masters, tenth and the Fairhaven Trophy and 11th at the German Boys’.George Leigh, 17 (Trevose, Cornwall) recently won the Cornwall Amateur Championship. He was 12th at this year’s Fairhaven Trophy, 17th at the Carris Trophy and 24th at the West of England Amateur.Callum Macfie, 18 (Lindrick, Yorkshire) birdied the last two holes to win this year’s Fairhaven Trophy. He was also tied-6th while representing his country at this year’s Northern Boys Qualifier.Joseph Pagdin, 17 (Lake Nona) created history recently when he because the first European play to reach the semi-final of the US Junior Championship. This year he has also finished fourth at both the Sage Valley Junior Invitational and the AJGA Simplify Boys’ Championship and 15th at the Jones Cup Invitational. Made the match play stage at The Amateur Championship. A member of the winning English team at last year’s Boys’ Home Internationals.Robin Williams, 17 (Peterborough Milton, Northamptonshire) represented England at last year’s Boys’ Home Internationals and this year’s European Boys’ Team Championship. He was 15th at this year’s St Andrews Links Trophy and 18th at the Brabazon Trophy. Also made the cut at the European Amateur Championship in Austria and reached the match play stage of the English Men’s Amateur Championship.Photo: Credit Vicki Head. Pictured Barclay Brown. 2 Aug 2019 England boys’ targeting fourth win at Home Internationals Tags: Boys’ Home Internationals
Submitted by Northwest Energy TeamGet the Facts at April’s Home Efficiency Action TrainingWeather is warming up (wasn’t that a fabulous weekend?) and the hardware stores are crowded with ambitious, determined people. Before you tackle this year’s major home improvement project, think about how you can add some energy efficient upgrades as well.Oftentimes an energy efficiency upgrade is simple and inexpensive – especially if you’re already planning to crawl around under your house to check the insulation or tearing into a wall. The trick is knowing what to do, when to do it and in what order. AND knowing what is going to give you the most return for your investment.Researching energy efficiency upgrades is absolutely the way to go. And it’s also a way to get completely overwhelmed by facts – often with facts that don’t have anything to do with weather and home conditions in the Olympia area.If you’re the kind of person that likes getting an overview of facts first and then getting into the details, you have a resource at this month’s Home Efficiency Action Training (HEAT), Thursday, April 4, 6 p.m. – 8 p.m. at Lacey Community Center. This workshop is free and open to the public.HEAT workshops are dedicated to education. You will learn:How to evaluate what your home needs.How to find out what you can do yourself to improve your home’s energy performance.How to tell if you may need more technical assistance.Basic information on the 100+ rebates, credits, and incentives available through Puget Sound Energy and Energy Star.What improvements give the best return for your time and money.How you can work your way to better energy performance – you can’t buy your way there.This is also a good workshop for anyone actively looking for a “used” home in the area – or anyone putting their home on the market. Frequently buyers find a great house in the perfect neighborhood and then get turned off when they find (for example) the home has baseboard heat.Dealing with things like sadly inefficient heating systems is not the issue it once was. You will learn what to look for when shopping for a home – what is affordably deal-able and what should make you stop and think a little more.Brent Foster of Northwest Infrared will be the first speaker. He will give his classic “$40 and a Grubby Weekend” talk on covering DIY energy efficiency improvements.Then Paul Ivy of Northwest Energy Team will speak on ductless heat pumps: how they work and the data to tell whether one would pay off for your home.Puget Sound Energy will be on hand (hopefully; they are installing a new system this week and it’s all hands on the PSE deck) to give their usual in-depth information of their massive numbers of Re-Energize rebates. If you are going to tackle a home improvement project, wouldn’t it be great to know if there was a rebate connected to it?Marilyn Ball-Brown of Generations Credit Union will give some basic information on low-interest “green improvement” home loans. If you have a major remodel planned, this is a chance to check on some financing options.The last speaker is Kirk Haffner of South Sound Solar. He does this great “Solar 101” talk which covers how to evaluate your own site for solar potential, addresses the basics of how solar works and then gives you the skinny on the credits, rebates and incentives. Pretty sweet.Bring pen, paper and questions to the Lacey Community Center this Thursday, April 4 (6 – 8 p.m.) and get some clear guidance. For questions contact Paul Ivy at 360-357-9167 or [email protected] . All HEAT workshops are for your information’s sake and do not involve sales at all. Facebook26Tweet0Pin0
Share Facebook Twitter Google + LinkedIn Pinterest Usually this time of year, the planter is the most important tool on the farm. But, for the past two weeks farmers have used their pocket knives more to see if planted seeds are making progress in cold, wet Ohio soils. Some fields that were planted early on are emerged and after some frost concerns those fields need to be surveyed as well. The Ohio Ag Net’s Ty Higgins visits with Golden Harvest Agronomist Eric Anderson about what to look for in those fields.
Reprinted with permission from Construct IrelandOne million residential, public and commercial buildings in Ireland will get energy upgrades by 2020 under the latest national retrofit strategy. A consultation was launched this morning on the plan, which will aim to deliver 8,000 GWh of energy savings between 2011 and 2020.The program also proposes to drastically overhaul the grants system to make it more appealing, giving consumers up-front discounts on the cost of energy-saving products and services rather than a retrospective grant.Of the total energy reduction target, half must be achieved by energy suppliers and the other half by energy service providers such as installers listed on the Home Energy Saving scheme, Warmer Homes scheme and Greener Homes scheme.Three quarters of all funding under the program will go to the domestic [residential] sector, with 40% of this directed towards fighting energy poverty.Half of all funding will be filtered through energy suppliers, while the other half will be available to energy service providers to offer discounts on their products and services. The Sustainable Energy Authority of Irleand (SEAI) will handle all applications for funding, and will establish an energy efficiency fund – set to include hundreds of millions of Euro in bank finance – to be utilised for energy upgrade investments.Reacting to the launch, SEAI CEO Prof J Owen Lewis told Construct Ireland: “There is a really big opportunity here for the construction industry, but it also presents some challenges. We would be hoping to see some fresh thinking about ways of scaling up to address the challenge, and putting really considerable emphasis into performance and delivery so that the public has the right to expect really high performance delivery. The scale of it is very exciting in the light of the capital review. In terms of addressing the climate change mitigation imperative, the construction industry can deliver best value – as study after study has shown.”The building energy rating sale will be “at the center of energy savings calculations” — all financial support will be contingent on measures achieving published energy savings.Energy minister Eamon Ryan has set an initial target of 2,000 GWh savings for 2013. Energy suppliers can enter into a voluntary agreement with SEAI that will commit them to achieving a specific energy reduction target. If a supplier doesn’t enter into such an agreement or fails to meet their target, the minister for energy may oblige it to achieve certain savings.Suppliers are expected to achieve energy reductions though a variety of means, including more efficient energy generation and undertaking home energy upgrades.A quarter of all funding will be focused on the public sector, and the program will aim to retrofit 1,000 public buildings by 2020.The new retrofit program will begin in January next year, and a consultation on the plan is currently open. A consultation document is available to download here. All current SEAI grant schemes will continue as normal until the new plan is finalized.
Photo by Tristan Tamayo/ INQUIRER.netKevin Ferrer may not have had the biggest shots of the game, but for coach Nash Racela, the Ginebra rookie made the biggest impact in Game 4 after frustrating TNT import Glen Rice Jr. early in the game.“Kevin Ferrer was the best player of the game,” Racela told reporters after Ginebra ousted TNT in the 2017 PBA Governors’ Cup semifinals on Sunday.ADVERTISEMENT Typhoon Kammuri accelerates, gains strength en route to PH TNT shot 15-of-16 from the charity stripe and went 30-of-62 from the two-point area, compared to Ginebra’s 23-of-33 free throw shooting and 28-of-47 clip from two. The KaTropa were also whistled for 32 fouls, against 20 for the Gin Kings. Both teams were close to even from threes, with TNT hoisting 10-of-37 and Ginebra throwing 12-of-32.That affair ended the KaTropa’s season, which saw them reach the semifinals in all three conferences and the Finals once.It wasn’t a disappointing campaign to say the least for TNT, but for Racela, there’s only one clear thing going forward: that San Miguel teams are really the hurdle that TNT needs to get through if it wants to win the championship.“I’m happy that for three conferences, we were able to advance to the playoffs. But it just so happened that in all the three conferences, we played a San Miguel team, and you know how tough it is to play a San Miguel team, so it’s really hard. But if you want to win a championship, we really have to get past a San Miguel team,” he said.“I think we need to have more players who are more aggressive. Maybe that will help us. So now, if we become more aggressive, then we force the referees to call more fouls. That’s the only thing I could think of right now,” he said. “If you study the whole series, it all boils down to who gets more free throws, who get fouled a lot. That’s something we’re trying to study. Maybe we could improve on that aspect.”ADVERTISEMENT Frontrow holds fun run to raise funds for young cancer patients Read Next MOST READ LATEST STORIES View comments LOOK: Loisa Andalio, Ronnie Alonte unwind in Amanpulo for 3rd anniversary Don’t miss out on the latest news and information. Rice shoved Ferrer to the floor and threw the ball at him that led to his early ejection at the 1:41 mark of the first quarter.The KaTropa had no choice but to play all-Filipino from that point forward, fighting valiantly but eventually falling to the Gin Kings, 115-105.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutFrustrated with how TNT’s season came to an end, Racela struggled to explain what went wrong for his team.“I just want to congratulate Ginebra for being the more aggressive team tonight,” he slyly said. “They got a lot of free throws again, so it’s because they were more aggressive than us despite taking 15 less two-point field goals. I’m sure that what coach Tim (Cone) will say.” Kammuri turning to super typhoon less likely but possible — Pagasa BSP sees higher prices in November, but expects stronger peso, low rice costs to put up fight Brace for potentially devastating typhoon approaching PH – NDRRMC Fire hits houses in Mandaluyong City Trending Articles PLAY LIST 00:50Trending Articles00:50Trending Articles00:50Trending Articles01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Brownlee moves on from last year’s title run ahead of rematch with Bolts Nonong Araneta re-elected as PFF president
So what if you’re attending Dior’s Paris Fashion Week Haute Couture (Fall/Winter 2014/2015) show; so what if you’re one of America’s sweethearts loved by all who see you on the big screen? There’s simply no reason good enough to stop you from goofing around when you’re young, successful and carefree.From repeatedly tripping on red carpet, making funny faces, to photobombing actors, and to introducing your also-celebrity friend to your pal, Jennifer Lawrence is not ready to pack up her goofy side yet.That celebrity friend she semi-whacked in the face was none than an unsuspecting Emma Watson who was caught off-guard in the middle of posing for pictures.The Hunger Games: Jennifer Lawrence introduces her palm to friend Emma Watson’s face. Picture courtesy: @JenniferUpdates/TwitterRealising it was just another one of her pranks, Emma took it sportingly and joined in on the laughs.A relieved Emma Watson joins in on the laughter. Picture courtesy: @JenniferUpdates/TwitterJennifer looked supremely tanned while attending the event in a Christian Dior blue and white dress. Emma Watson managed to pull of chic in a black top and sheer skirt with underlay.
Day One action in the 2007 National Touch League Senior tournament commences at 8.30am with non stop quality contests on the program.Many teams have had the complexion of their sides changed markedly due to retirements, unavailability due to the recent involvement of some key players in Australia’s successful defence of the Federation of International Touch World Cup, and the changing of the guard in several divisions.Defending champions in the Men’s 40s division, Scorpions get the action underway with an eagerly anticipated contest with traditional rivals Mets on Field One first up to whet the appetite for what promises to be a feast of fast and furious action all day.The star studded Sharks Men’s 35s team make their first appearance on the showcase field later in the day, whilst the crack Scorpions Women’s outfit will be looking to get their campaign for an unprecedented fourth title off to a winning start when they take on the Brisbane Cobras.Six fields will be operating and despite steady rain, the fans can look forward to some exciting clashes as NTL Permits battle it out for supremacy across seven divisions.8.30am Men’s 40s: Scorpions v MetsMen’s 40s: Rustlers v SharksMen’s 50s: Rustlers v CobrasMen’s 45s: Sharks v RustlersMen’s 45s: Hornets v Suns9.20amMen’s 40s: Eagles v SunsMen’s 40s: Barbarians v HornetsMen’s 45s: Scorpions v EaglesMen’s 50s: Suns v ScorpionsWomen’s 30s: Eagles v ScorpionsMen’s 50s: Mets v ACT10.10amWomen’s 30s: Suns v HornetsWomen’s 30s: Sharks v CyclonesWomen’s 30s: ACT v RustlersMen’s 50s: Sharks v HornetsMen’s 40s: Cyclones v WarriorsMen’s 50s: Cyclones v Eagles11.00amMen’s 35s: Sharks v SunsMen’s 30s: Suns v BarbariansMen’s 30s: Cyclones v RustlersWomen’s 40s: Scorpions v CyclonesWomen’s 40s: Hornets v Cobras11.50amMen’s 35s: Cobras v MetsMen’s 30s: Hornets v CobrasMen’s 45s: Eagles v ACTMen’s 45s: Scorpions v SharksWomen’s 40s: Sharks v Suns12.40pmMen’s 40’s: Hornets v CyclonesMen’s 40’s: Scorpions v WarriorsMen’s 40s: Sharks v Barbarians Men’s 40s: Suns v RustlersMen’s 45s: Suns v Rustlers1.30pmWomen’s 40s: Scorpions v CobrasWomen’s 30s: Suns v ACTWomen’s 30s: Scorpions v HornetsWomen’s 30s: Rustlers v CyclonesMen’s 40s: Mets v Eagles2.20pmWomen’s 40s: Cyclones v SunsWomen’s 30s: Eagles v SharksMen’s 35s: Sharks v Mets Men’s 35s: Suns v ScorpionsWomen’s 40s: Hornets v Sharks3.10pmMen’s 50s: Hornets v MetsMen’s 50s: Scorpions v SharksMen’s 50s: Rustlers v EaglesMen’s 50s: Cobras v SunsMen’s 50s: ACT v Cyclones4.00pmMen’s 40s: Sharks v EaglesMen’s 40s: Suns v MetsMen’s 40s: Scorpions v CyclonesMen’s 40s: Warriors v BarbariansMen’s 40s: Hornets v Rustlers4.50pmMen’s 35s: Scorpions v CobrasMen’s 35s: Mets v SunsMen’s 30s: Suns v HornetsMen’s 30s: Warriors v BarbariansMen’s 30s: Cobras v Rustlers
The State Minister, who was addressing the Honours Convocation ceremony at the Northern Caribbean University (NCU) in Mandeville, Manchester, on October 19, noted that he got involved in politics because he wanted to make a contribution to this very important area of national development. Story Highlights State Minister in the Ministry of Education, Youth and Information, Hon. Floyd Green is calling for more university graduates to pursue political office. Noting that this is part of his ‘Jamaican Dream’, Mr. Green said the country needs its brightest people to serve in Government. State Minister in the Ministry of Education, Youth and Information, Hon. Floyd Green is calling for more university graduates to pursue political office.Noting that this is part of his ‘Jamaican Dream’, Mr. Green said the country needs its brightest people to serve in Government.The State Minister, who was addressing the Honours Convocation ceremony at the Northern Caribbean University (NCU) in Mandeville, Manchester, on October 19, noted that he got involved in politics because he wanted to make a contribution to this very important area of national development.“Consider what would happen in a country where the best and the brightest don’t get involved in politics. Just who would get involved?” he asked.Other aspects of his Jamaican Dream include encouraging tertiary-level students to start youth clubs in their communities to reach vulnerable youth, and for universities to incorporate mentorship programmes for high schools with students serving as mentors.Meanwhile, the State Minister pointed to the need for more Jamaicans to pursue tertiary education.“The reality is that tertiary education is critical; it is no longer optional. It is no longer hard to become a tertiary graduate; we now have online universities, so we have to get more of our young people trained up to the tertiary level,” he said.He noted that the Government has made it easier for students to access tertiary studies, by lowering interest rates on loans from the Students’ Loan Bureau (SLB).“We have reduced the interest rates on students’ loans from 9.5 per cent to six per cent for Pay As You Study (PAYS) loans. We also reduced the interest rates on postgraduate loans from 13 per cent to 9.5 per cent, because you cannot just stop at a first degree in this new world. We have also started to calculate your loans on a reducing balance method, which lowers the amount to be repaid,” Mr. Green pointed out.He said there are also lower rates for areas of study that are directly related to the Government’s growth agenda.Mr. Green said the Government is looking at lengthening the number of years that graduates would have to repay their loans, as it is recognised that it may take some time for persons to find a job.The State Minister lauded the NCU for having produced some of the finest graduates in Jamaica.“I have found that the NCU graduate is much more equipped to take on the working world. I have come in contact with a number of your media graduates and find them to be very professional, honest and hard-working, so you are clearly doing something right at NCU that needs to be emulated,” he said.He encouraged the students to “maintain your commitment to academic excellence while seeking ways to be of service to your community and the wider nation.”He cited the United Students Movement as providing a platform for young people to give service.“I also encourage you to dream big, broadly and ensure that you do all you can to achieve your dream,” he added.The State Minister noted that the Government has big plans for Mandeville to become a university town, and NCU is critical to achieving that goal.
New Delhi: A fire broke out at an under-construction building near gate number 6 of Pragati Maidan on Thursday morning, a Delhi Fire Services official said.A person called up the fire station to inform about the blaze around 11 am. Five fire tenders have been rushed to the spot.It doesn’t look like a big fire. It seems the shuttering material being used in the construction caught fire, the official said.