Ex-FBI agent details raid on Phoenix body donation facility “The habitual and voluntary consumption of ethanol has been documented until now, only in humans,” apart from anecdotal observations in wild apes, said Kimberley Hockings of Oxford Brookes University, one of the report’s co-authors.While baboons in South Africa are known to steal fermenting grapes from vineyards and monkeys are known to sneak the odd cocktail from unsuspecting resort tourists, the chimpanzees in Boussou are unique because their alcohol consumption is not the result of any human interaction, the report said.Some of the chimps “consumed significant quantities of ethanol and displayed behavioral signs of inebriation,” the study found. While researchers note that no detailed behavioral data was collected — “some drinkers rested directly after imbibing fermented sap.”The behavior though is still quite rare, Hockings said, requiring researchers to combine their data from observations dating back to 1995. Researchers said they observed 51 “drinking events” by individual primates over that period of time.“One adult male in particular accounted for 14 of 15 events,” they said.___Online:Royal Society Open Science: http://rsos.royalsocietypublishing.orgCopyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Here’s how to repair and patch damaged drywall Milstead says best way to stop wrong-way incidents is driving sober Men’s health affects baby’s health too Sponsored Stories DAKAR, Senegal (AP) — Chimpanzees in West Africa get inebriated during lengthy “drinking sessions” featuring the fermented sap of palm trees — normally used to make palm wine — according to a new study published Wednesday.The report in the journal Royal Society Open Science focused on primates living in Guinea, which use palm fronds to soak up the fermented sap of raffia palms that can contain up to 6.9 percent alcohol — stronger than most beers. New Valley school lets students pick career-path academies Comments Share 5 ways to recognize low testosterone Top Stories 5 people who need to visit the Ultrastar Multi-tainment Center
Here’s how to repair and patch damaged drywall WASHINGTON (AP) — House Speaker John Boehner (BAY’nuhr) of Ohio has returned from a visit to Lithuania where he affirmed Congress’ commitment to offering military assistance to the region to counter Russian aggression.The Republican led a bipartisan delegation of House members marking the 25th anniversary of Lithuania’s independence.Their visit came as the U.S. and NATO allies have criticized Russia for its increasingly aggressive actions, including backing separatist troops on Ukraine’s eastern border. The U.S. has announced plans to offer tanks and other equipment to six former Soviet bloc nations including Lithuania to help counter the threat. Comments Share Sponsored Stories New Valley school lets students pick career-path academies Parents, stop beating yourself up Top Stories Speaker of the United States House of Representatives John Boehner, R-Ohio, left, speaks with Lithuania’s Speaker of the Parliament Loreta Grauziniene during a meeting at the Parliament’s palace in Vilnius, Lithuania, Monday, June 29, 2015. (AP Photo/Mindaugas Kulbis) Boehner says Congress is working to ensure that Lithuania and other countries in the region get the tangible assistance they need. He said Congress also is working to expedite natural gas exports to Europe.Copyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Ex-FBI agent details raid on Phoenix body donation facility Mesa family survives lightning strike to home How Arizona is preparing the leader of the next generation 5 things to look for when selecting an ophthalmologist
Cruise1st has announced its appointment of Qantas veteran Chris Rankin to the role of General Manager, Australia.Mr Rankin will drive the growth of Cruise1st’s Australian business, which launched in July 2010.Most recently the general manager for wholesale of Jetset Travelworld, Mr Rankin was previously commercial general manager for Qantas Holidays. He began his career with Qantas Holidays in the UK, where he held several roles including leisure sales manager UK and Ireland, before relocating to Sydney in 2007.“We are very excited to welcome someone of Chris Rankin’s calibre into the Cruise1st family and we are confident that Chris will help Cruise1st become the number one player in cruise retail in Australia,” managing director of Cruise1st UK, Daniel Townsley, said.Based in the United Kingdom, Cruise1st has become one of the largest online cruise travel providers in the UK market place. Source = e-Travel Blackboard: C.C
Source = e-Travel Blackboard: S.P Google has recently launched their new search application allowing passengers to easily find flights to and from various cities worldwide.The search function works by simply entering your current city and flight destination followed by the word “flight”, which then shows a drop down list of all the flights available on that day.The new program aims to make searching for flights easier and will benefit Google users from across the world that enjoy the jet setting lifestyle and require flight information quickly without having to take the time to search individual airlines. The new flight lookup tool also enables users to type in the name of a city after the word “flight” with departure information from the one location appearing in the result.The program works best when searching major cities and is available in 10 languages which include, English, French, Italian, German, Spanish, Dutch, Brazilian Portuguese, Polish, Catalan, Turkish and Russian.“Flight Information is one of the most popular things users of Google search for” said a spokesperson from Google.
Source = Royal Jordanian On April 22, Royal Jordanian marked 40 years of operation between Amman and Amsterdam’s Schiphol Airport.Today, Royal Jordanian operates four flights weekly to this European city, using the Airbus 320 family, at very convenient hours of the day.In cooperation with Amsterdam Airport Schiphol, passengers of Flight 152 to Amman were treated to prizes to celebrate the event. At the check-in counters, travelers were welcomed with Jordanian sweets and invited to participate in a lucky draw. Aside from winning a variety of presents, everyone was offered a solar charger for their smartphones or tablets, a present attesting to Royal Jordanian’s endeavor to go green.In addition to the travelers who fly aboard RJ planes between these two cities for various purposes, including tourism, education and business, Royal Jordanian flies passengers to Amman and onwards to other destinations on its network, like Aqaba, Baghdad, Erbil, Kuwait, Jeddah, Medina, Bangkok and others. Royal Jordanian operates to more than 50 destinations, among which 16 are European cities and capitals.In 2010, Amsterdam Airport Schiphol awarded Royal Jordanian the “Punctuality Award” in the “Intercontinental” category at Schiphol Aviation Awards.
MSC Cruises announces Ricky Martin, Andrea Bocelli and MoreMSC Cruises announces Ricky Martin, Andrea Bocelli and MoreToday MSC Cruises announced the line-up for the official launch and Naming Ceremony of MSC Seaside, which will be held on December 21st in PortMiami. As part of the traditional Naming Ceremony that is held for every new ship, MSC will welcome special guests and entertainment, Miami authorities, global media, and key partners from across the travel industry. For this very special Miami launch, MSC Cruises is proud to reveal an international list of celebrated invitees that reflects the Company’s European heritage and global presence.Headlining entertainment for the event will be international superstar, Ricky Martin, who will perform some of his most popular hits. Renowned for bringing Latin music to the forefront of popular music, Ricky Martin is a worldwide star who has recorded in many languages, and truly encompasses the international spirit of MSC Cruises and the city of Miami.Also taking to the stage will be world-famous tenor, Andrea Bocelli, whose dazzling classical career has taken him all over the world – including performances for four U.S. presidents, three Popes, the British Royal Family, and several Prime Ministers, to name just a few.Making a guest appearance at the event will be Miami football legend and Hall of Fame quarterback, Dan Marino, who played for the Miami Dolphins for 17 years. MSC Cruises signed a partnership with the Miami Dolphins in October of this year, becoming the official cruise line for the team and further strengthening its relationship with the South Florida community. Fans and guests will have the chance to experience the Miami Dolphins at sea and meet team alumni on a themed cruise aboard MSC Seaside in 2018.In charge of it all will be actor and popular American TV host, Mario Lopez, who will serve as the Master of Ceremonies for the evening. Lopez will welcome guests to the star-lit festivities on MSC’s “Blue Carpet,” where celebrities will give interviews, take photographs, and meet the crowds. Lopez will then take to the stage to host the evening’s entertainment.An MSC Cruises’ Naming Ceremony would not be complete without the ship’s Godmother, Sophia Loren, who has played the leading role in this time-honoured tradition since 2003. As one of the most celebrated Italian actresses of our time, the glamorous Sophia Loren will christen the ship with a ribbon-cutting and officially name the spectacular vessel, MSC Seaside.But the main star of the show will be none other than MSC Seaside. Quite unlike anything else at sea, MSC Seaside will shine among Miami’s skyline – commanding attention with its revolutionary design. Inspired by the architecture and lifestyle of Miami, the ship will be right at home in warm South Florida waters. The state-of-the-art ship will offer world-class entertainment, a range of international dining concepts, a gorgeous spa, outstanding facilities for families, a private yacht club (MSC Yacht Club), and expansive outdoor spaces. The striking MSC Seaside is just one more reason for guests all over the world to join MSC Cruises on an unforgettable trip that follows the sun.For more information about MSC Cruises and MSC Seaside visit hereSource = MSC Cruises
Emirates to launch flights to Santiago, ChileAirline’s fourth South American passenger route will be served with five weekly flightsNew service will see Emirates fly 12 times a week to Sao PauloPassengers can now travel between Chile and Brazil with EmiratesEmirates, the world’s best airline according to TripAdvisor 2017, today announced its plan to launch a new, five times a week, service from Dubai to Santiago International Airport (SCL), via the Brazilian city of Sao Paulo, starting on July 5, 2018.The new service will see Emirates fly an additional five times a week to Sao Paulo, complementing the airline’s existing daily A380 flight between Dubai and Sao Paulo. In total, Emirates will now fly 12 times a week to Sao Paulo. Emirates’ Santiago flight will be a linked service with Sao Paulo, meaning that customers in South America can now travel between the two cities in unprecedented style and comfort. Citizens from both Brazil and Chile only need ID cards to travel to either country.The new route will be operated with a two-class configured Boeing 777-200LR which offers 38 Business Class seats in a 2-2-2 configuration and 264 seats in Economy Class. The new 777 flight will also offer up to 14 tonnes of capacity for cargo, opening up access to more global markets for Chilean exports such as fish, seafood, cherries, flowers and general perishable goods.Commenting on the new Emirates route, Sir Tim Clark, President Emirates Airline, said “The start of our operations to Chile underlines our commitment to South America with our fourth destination on the continent and another five flights to Sao Paulo. We are pleased to add a destination that has been in strong demand from our customers and look forward to working with stakeholders in Chile to provide our unique product and award-winning service to passengers there.”Flight details and connections to Emirates’ global network of over 155 destinationsFlight EK263 will depart Dubai on Tuesdays, Thursdays, Fridays, Saturday and Sundays at 09:05hrs local time, arriving in Sao Paulo at 17:00, before departing again at 18:30 and arriving into Santiago at 21:40 on the same day. The return flight EK264 will depart Santiago on Mondays, Wednesdays, Fridays, Saturday and Sundays at 01:10 local time, arriving in Sao Paulo at 05:55. EK264 will depart once again from Sao Paulo at 07:45 bound for Dubai where it will arrive at 05:15 the next day.Timings of the new service are scheduled to allow for seamless connections to many Asian and Middle East routes, via a convenient stopover in Dubai. Passengers travelling from Sao Paulo will now benefit from a morning departure in Sao Paulo and morning arrival in Dubai, making connecting to new destinations Southeast Asia, China and Middle East more convenient.Chile is a popular destination for business and leisure travellers around the world, in particular from Asian destinations such as China, South Korea, Japan, Thailand and India. Chile is also home to large Chinese and Middle East communities that can now take advantage of the new service.Flying Emirates to ChileSantiago, the first destination in Chile to be served by Emirates, is the largest city of Chile accounting for nearly half of the nation’s GDP. Chile’s capital is developing its reputation for being an incubator for major universities, large global companies and budding start-ups thanks to a growing population of well-educated young professionals. Strengthening its position towards a more productive, technology-intensive economy many global companies and conglomerates have their headquarters or regional offices in the city centre. Chile is also the world’s largest producer of copper.Chile is one of the most stable and prosperous nations in South America filled with stunning landscapes, historic beauty, local charm and delectable foods. Tourism in Chile has seen a sustained growth over the last few years with 5.6 million international visitors visiting the country in 2016 compared to 4.43 million in 2015. Chile has many different adventures to offer tourists: stargazing in the driest desert in the world, millennial glaciers in the southernmost part of the planet, enchanted forests, and lakes located at the foot of massive volcanoes. Chile is also one of the top producers and exporters of wine in the world.Visiting DubaiPassengers flying with Emirates can book a Dubai Stopover package which will allow them to stay in Dubai for a few days on their way to one of over 155 destinations.Dubai offers everything from desert outings to beaches to family-friendly hotels, and even ski slopes at the Mall of the Emirates. Having become the fourth-most-visited city in the world, Dubai is known for its eclectic mix of offerings, from futuristic architecture to vibrant traditional culture and diversity.The city offers everything a visitor could want, from shopping at some of the largest malls in the region to dining options which will spoil anyone for choice. Dubai has seen the addition of several new attractions in the last year. Among the latest must-see places in the dynamic city are Dubai Parks and Resorts which features three distinct theme parks – Motiongate™, Bollywood Parks™ and LEGOLAND®. Spread over 25 million square feet, and equivalent to 420 football fields, the parks combined have more than 100 rides and attractions. Other tourist hot-spots inaugurated in 2016 include IMG World of Adventures – the largest indoor theme park in the world, Dubai Safari Park – a 119 hectare wildlife park home to over 2,500 animals and the Dubai water canal – a 3.2km long waterway which winds its way to the Arabian Gulf from the Creek in Old Dubai.All travellers can take in the sights of the Burj Khalifa, the world’s tallest building, the Dubai Fountain which dances to a set of music for onlookers, and of course, experience desert camel rides and dinner under the stars at a Bedouin style camp. Recently, Dubai also welcomed new landmarks including the Dubai Frame – a golden 150m high frame that overlooks the city and La Perle – a theatre offering a 270 degree viewing angle for all guests to see the stage. Dubai truly offers a variety of attractions to meet the tastes of business and leisure travellers alike.World class service from TripAdvisor’s “Best Airline in the World”Passengers in all classes can enjoy Wi-Fi to stay in touch with family and friends or Emirates’ multi-award winning ‘ice’ Digital Widescreen with up to 3,000 channels of movies, TV programs, music and podcasts, including channels in Spanish. Emirates provides its customers with a host of culinary offerings prepared by gourmet chefs and fines wines that suit the tastes of everyone. Passengers can also experience Emirates’ renowned in-flight service from the airline’s multi-national cabin crew from over 130 countries, including Chile.Business Class passengers can also travel to and from the airport via Emirates complimentary Chauffeur-drive service, making it easy and convenient for customers across the network to arrive on time, refreshed and ready for their flight.Emirates SkywardsEmirates Skywards, the award-winning frequent flyer program of Emirates, offers four tiers of membership – Blue, Silver, Gold and Platinum – with each membership tier providing exclusive privileges. Emirates Skywards members earn Skywards Miles when they fly on Emirates or partner airlines, or when they use the program’s designated hotels, car rentals, financial, leisure and lifestyle partners. Skywards Miles can be redeemed for an extensive range of rewards, including tickets on Emirates and other Emirates Skywards partner airlines, flight upgrades, hotel accommodation, excursions and exclusive shopping.Source = Emirates
From L – R… Thani Al Ansari, Country Manager, Egypt, Emirates, Simon Stamper, General Manager, Intercontinental City Stars, Ahmed Hosny, Executive Manager, Terminal Building 2, Cairo International Airport, Mohammed Mattar, Divisional Senior Vice President, Emirates Airport Services, Eng. Ahmed Youssef, Chairman of the Egyptian Tourism Promotion Board, Mamdouh Ghobrial, Airport Services Manager, Cairo International Airport at the Emirates Lounge opening eventEmirates opens first dedicated airport lounge in CairoAirline invests over US$ 3.6 million in the new premium offeringEmirates has unveiled its 42nd dedicated lounge across its global network at Cairo International Airport (CAI). The lounge is now open to Emirates First Class and Business Class customers as well as Platinum and Gold members of Skywards, the airline’s loyalty programme.Reflecting the airline’s ongoing commitment to Egypt, the Emirates Lounge in Cairo represents a US$3.6 million investment to provide premium customers with a seamless and enjoyable journey. Catering to three daily flights, the lounge offers customers even greater levels of comfort, hospitality and convenience as they start their Emirates experience in Cairo. Located at Departure Terminal 2, Level 2, above the secondary security check & Duty Free area, Emirates’ customers can look forward to relaxing, unwinding and enjoying award-winning service and cuisine.The lounge was formally opened with a ribbon-cutting ceremony led by Eng. Ahmed Youssef, Chairman of the Egyptian Tourism Promotion Board; Mohammed H Mattar, Emirates’ Divisional Senior Vice President – Emirates Airport Services; and Thani Al Ansari, Country Manager, Egypt, Emirates.“Cairo is our first destination in North Africa with an Emirates Lounge – and it underscores our relentless efforts to enhance the travel experience that we offer to customers not online in the air, but on the ground. We are committed to the highest standards of quality in every aspect of our business and the new Emirates Lounge is a testament to that,” said Mohammed Mattar – Divisional Senior Vice President, Emirates Airport Services.“We hope to contribute to the country’s tourism industry in a meaningful way and attract both international customers as well as discerning Egyptian travellers with our premium service. Egypt is a very important market for Emirates, and this dedicated lounge demonstrates our ongoing efforts to provide the best possible airport experience,” added Mr Mattar.Ahmed Youssef, Chairman of the Egyptian Tourism Authority, said: “We congratulate Emirates on the opening of their new lounge in Cairo, and see this as enhancing the travel experience for both leisure and business travellers. Emirates’ reputation of excellence and high service standards will definitely reflect on the type of tourist visiting the country from the UAE and the world. We are committed to supporting such initiatives that help Egypt achieve its vision of becoming a leading destination for tourism”The interior design in the Emirates Lounge reflects a new contemporary and fresh design. The Lounge offers seating for up to 152 customers, covering an area of 880sq.m. The lounge will provides premium passengers with a relaxing ambiance, luxurious facilities and amenities, LED TVs, comfortable leather armchairs, a choice of formal and relaxed seating, bespoke artwork, and separate male and female prayer rooms. To complete the travel experience, a range of luxury spa products are also available in the lounge from award-winning Irish brand VOYA. This skincare line includes hair & body wash, conditioner, hand cream and hand wash.The lounge features a dedicated dining area, an extensive menu of complimentary hot and cold gourmet buffet, including local and international dishes and an extensive beverage service. Customers can also enjoy shower facilities, a fully equipped business centre with state of the art touch screen workstations along with complimentary Wi-Fi service within the lounge.In addition to Cairo, and the seven lounges at its hub Dubai International Airport, Emirates also has dedicated lounges at, Auckland, Bangkok, Beijing, Birmingham, Boston, Brisbane, Cape Town, Colombo, Delhi, Dusseldorf, Frankfurt, Glasgow, Hamburg, Hong Kong, Istanbul, Johannesburg, Kuala Lumpur, London Gatwick, London Heathrow, Los Angeles, Manchester, Melbourne, Milan, Munich, Narita, New York – JFK, Paris – Charles de Gaulle, Perth, Rome, San Francisco, Shanghai, Singapore, Sydney, and Zurich, representing an investment of over US$381 million.Emirates currently operates three daily flights between Cairo and Dubai with its popular Boeing 777 aircraft.Source = Emirates
Lufthansa will continue to be an official partnerLufthansa will continue to be an official partner of Germany’s football association DFBContract extension until the end of 2022Lufthansa is continuing its commitment to football and has extended its partnership with the German football association Deutscher Fußball-Bund (DFB) until 2022. Lufthansa therefore remains an official partner of DFB. As the “official airline”, Lufthansa flies the players, coaches, staff and delegation members of the DFB team to international matches and tournaments. “We are delighted to continue our long-standing and good partnership with DFB. For many years now, it has been a special honor for us to fly the German national team to their major tournaments around the world,” said Markus Binkert, CCO of the Lufthansa Hub Munich and Senior Vice President Marketing. So far, the highlight of the long-standing partnership has been the flight of the Lufthansa “Fanhansa Siegerflieger” returning the national team to Germany from Brazil with the World Cup trophy after their 2014 win.The contract guarantees Lufthansa extensive rights and marketing services from DFB, especially in the years featuring the European Football Championship and the World Cup, among other things.Lufthansa has been cooperating with DFB for many years now and also has long-standing partnerships with the German sports aid foundation Stiftung Deutsche Sporthilfe as well as the German Olympic Sports Confederation (DOSB). The company is also a co-sponsor of Germany’s National Paralympic Committee (DBS).Source = Lufthansa
In 2016, Caribbean Tourism fared well and industry stakeholders are generally upbeat about the year ahead in 2017.Announcing the results of the second annual Caribbean Hotel and Tourism Association (CHTA) Industry Performance and Outlook Study, Director General and CEO of CHTA, Frank Comito stated, “More than four out of five (81%) hoteliers have an encouraging outlook for tourism in 2017.”Comito explained that the survey conducted by CHTA was undertaken in order to assist the organisation in gaining a better understanding of the state of the tourism economy, its outlook and the degree to which a number of factors impact or may affect the tourism industry.Administered during the first two weeks of this year, the survey polled a representative sampling of hotels throughout the Caribbean of varying sizes and categories. They also evaluated their 2016 performance and 2017 expectations for factors in areas such as employment levels, revenue, profits, capital spending, room occupancy and rates, each forming the basis for assessing the state of the tourism economy.Despite unanticipated factors, the profitability picture improved over the previous year, with 78% of respondents reporting a net profit in 2016. Looking ahead, in 2017 more than two-thirds (67%) anticipate an increase in revenue and 56% expect a slight improvement in profits.About 55% of hotels also increased capital expenditures in 2016, with a quarter of those investing more than 10% over what they did in 2015. “This is a positive sign and an indication of long-term confidence by Caribbean hoteliers in the industry,” added Comito.
The Finnish capital Helsinki is situated at the Northeastern edge of Baltic sea is home to many ancient architecture and designs. Helsinki is a perfect place to unwind to one’s mind and soul as it has a lot to offer.Source: Expedia
Share in Data, Government, Origination, Secondary Market, Servicing Agents & Brokers Attorneys & Title Companies Barack Obama Consumer Financial Protection Bureau Lenders & Servicers Processing Richard Cordray Service Providers Treasury Department 2012-01-06 Ryan Schuette Obama Praises, Meets With Cordray, CFPB Staff January 6, 2012 429 Views “”President Barack Obama””:http://www.whitehouse.gov/administration/president-obama stopped by the “”Consumer Financial Protection Bureau””:http://www.consumerfinance.gov/ (CFPB) earlier Friday to welcome the staff and new director Richard Cordray.[IMAGE]After thanking the CFPB’s staff and discussing the latest jobs figures, he reaffirmed the bureau’s role as a federal regulator, describing its “”critical role to play in making sure that everybody plays by the same rules.”” Obama went on to praise regulators for their roles in making sure “”the big banks on Wall Street play by the same rules as community banks on Main Street. To make sure that the rules of the road are enforced, and that a few bad actors in the financial sector can’t break the law, can’t cheat working families, can’t threaten our entire economy.””[COLUMN_BREAK]The chief executive sent shockwaves around the mortgage servicing and lending industries Wednesday by making the controversial decision to recess appoint Cordray as CFPB director.The move bypassed lawmakers in the Senate, namely 44 Republicans that vowed earlier this year to block any nominee for the bureau, no matter the party affiliation.Prominent trade groups ├â┬ó├óÔÇÜ┬¼├óÔé¼┼ô including the U.S. Chamber of Commerce ├â┬ó├óÔÇÜ┬¼├óÔé¼┼ô released statements pledging to do anything to overturn the president’s recess appointment.Already Cordray made moves as director by naming Raj Date, erstwhile Treasury special assistant for the bureau, as deputy director.While speaking at the bureau, Obama also discussed the CFPB’s “”Know Before You Owe”” campaign, praising it for “”doing three big things”” for the country’s homeowners.””It’s making home loan applications more transparent, so that families will know what they owe on their mortgages,”” he said. The CFPB came out with news Thursday that it plans to undertake its full rulemaking authority for 18 consumer financial laws, continuing with supervisory policies for nonbank financial entities.
Share in Daily Dose, Data, Featured, Headlines, News appreciation growth clearcapital Home Prices HOUSING mortgage MSA 2017-11-17 Nicole Casperson The MSA Making the Biggest Comeback November 17, 2017 665 Views Housing continues a strong home price appreciate growth, with one metropolitan statistical area (MSA) in particular boasting the most notable rebound figures, according to recent data.Clear Capital released its November Home Data Index (HDI), reporting the South continued to show quarter-over-quarter growth (QOQ), with the most significant home price appreciation in Memphis, Tennessee.Memphis holds the top spot for the largest increase in QOQ growth according to the data—while also ranking in the top 15 highest performing metros in the nation. The MSA experienced increases from 0.62 percent in October to 2.83 percent in November, as well as year-over-year growth at 1.93 percent.The report notes that home price appreciation in Memphis may be attributed to the Tennessee Housing Development Agency’s (THDA)—with statewide home loan efforts totaling $300 million.According to Clear Capital CEO and Co-Founder Duane Andrews, Memphis’ momentous growth demonstrates how a housing finance agency can work to help residents become homeowners.“But more importantly, how those efforts can build a stronger community that benefits from increased home value in the process,” Andrews said.As for other MSAs in the South, many experienced a decrease in QOQ growth from October. Tampa, Florida decreased to 0.26 percent from 1.73 percent, Jacksonville, Florida decreasing to 0.49 percent from 1.59 percent and Orlando, Florida dropping to 0.46 percent from 1.30 percent. Dallas, Texas also fell to 0.65 percent from 1.37 percent in October.Regionally, the West still sets the pace for housing growth, with QOQ price growth at 1.3 percent.Other regions in the report hold close QOQ growth percentages, with the Southern region at 0.8 percent, the Midwest at 0.6 percent, and the Northeast at 0.7 percent.The Clear Capital HDI reports are released monthly and feature the top 15 appreciating and depreciating MSAs based on QOQ and YOY data. Additionally, the reports release national performance based on four regions: West, Midwest, South, and Northeast.To view the full report, click here.
Laurie Anne Maggiano, Servicing and Secondary Markets Program Manager at the Consumer Financial Protection Bureau (CFPB) has passed away. She is survived by her children and grandchildren.“Laurie dedicated her life to the service of both consumers and lenders in the residential mortgage market. Her expertise and passion had a profound impact on our industry and our ability to meet the challenges posed by the worse financial crisis in generations. Most importantly it was her desire to find reasonable balance among the various interests that was so beneficial, particularly in her role at CFPB. However, it is Laurie’s endearing smile and friendship I will miss the most,” said Ray Barbone EVP of Mortgage Services at BankUnited.Laurie had served at the CFPB for more than four years and is a nationally recognized authority on default management and foreclosure prevention. She was previously Director of Policy, Office of Homeownership Preservation at the U.S. Department of the Treasury and Acting Director of Single Family Asset Management at the U.S. Department of Housing and Urban Development. Laurie was one of the original architects of the administration’s mortgage relief and foreclosure prevention programs.“I am deeply saddened by the news of Laurie’s passing,” said Five Star Institute President & CEO Ed Delgado. “She was a gifted and talented professional, dedicated to public service. But more importantly she was a loving mother and grandmother. I am proud that we shared a special friendship. She will be missed.”Caroline Reaves, CEO at MCS also offered prayers for Laurie’s loved ones, saying, “Although Laurie is well-known for her tireless dedication to our industry, I had the privilege of knowing her as an amazing friend who shared many personal moments with my family. We shared many hours of laughter as well as tears. I will miss her terribly.”In 2011 The Five Star Institute honored Laurie with their Lifetime Achievement Award. To mark the occasion, her colleague Phyllis Caldwell, then Chief of the Homeownership Preservation Office at the U.S. Department of the Treasury, said of Maggiano:”Laurie has worked to make sure that policies translate into actions that help homeowners, while laying the foundation for sustainable change on how delinquent loans are managed. She is a tireless champion for homeowners across our country.”To view Laurie’s Lifetime Achievement video, click here. in Daily Dose, Government, News January 7, 2018 720 Views Industry Mourns Passing of CFPB’s Laurie Maggiano 2018-01-07 Rachel Williams Share
Federal Reserve Interest rates 2019-06-19 Mike Albanese in Daily Dose, Featured, Government, News When Does the Industry Believe Interest Rates Will Drop? Those waiting for interest rates to drop for the first time in almost 10 years will have to wait a bit longer, as the Federal Reserve decided Wednesday not to reduce rates.“The Fed held rates steady today as it navigated a challenging balancing act between the easing of global central banks, investor speculation that cuts are necessary to combat slowing economic growth, and the futures markets pricing a high likelihood of a rate cut by July,” said Danielle Hale, Chief Economist for realtor.com. “The Fed ditched the previous ‘patient’ language it used and instead pledged to ‘closely monitor’ the data and ‘act as appropriate to sustain the expansion.’ This language shift opens up the possibility of a rate cut as soon as July if incoming data suggests weaker growth on the horizon.”Hale said the Fed has two goals: maximize employment and stable prices. While the May Jobs report was below expectations, unemployment remains at record lows.“This month, the Fed could have easily made the case for a scenario of more patience or a precautionary rate cut, but instead focused on responding as necessary to the incoming data,” Hale said. “We’ll see if [Wednesday’s] decision to hold rates steady unnerves investors, consumers, or businesses or if they find the Fed’s flexible posture reassuring.”A survey from WalletHub found that there was a 23% chance that the Fed will reduce interest rate on Wednesday’s meeting. The chances of an increase, though, increase to 97% by September 18.The Fed has increased interest rates nine times, with no decreases, since December 2015.The survey stated that 76% of people support a rate cut, and around the same amount said it would be good for the economy.“The Fed probably won’t cut its target rate at its June meeting,” said WalletHub CEO Odysseas Papadimitriou. “But future pricing indicates we’re almost certain to see a rate reduction this summer or early fall.” June 19, 2019 299 Views Share
Germany: Cocaine worth €25M found in ALDI banana … A group of U.S. farmers has launched a pilot certification program for organic operations, saying the USDA’s National Organic Program “no longer adequately reflects how they farm.” An initiative called The Real Organic Project is aiming to implement new organic standards and provide consumer transparency by “distinguishing organic farms that grow their crops in the ground, foster soil fertility and adequately pasture livestock according to foundational organic standards and principles.”The project’s executive director is Dave Chapman, a longtime organic tomato grower with a farm in Vermont, who last year said he had been “dismayed” by the U.S. National Organic Standards Board’s (NOSB) controversial decision to not ban hydroponic and aquaponic crops from organic certification.”In the last year, the USDA not only embraced hydroponic production under the organic seal, but they also rejected the Organic Livestock and Poultry Production (OLPP) Rule created to strengthen animal welfare,” a release from The Real Organic Project said.A Real Organic Project ‘add-on’ label to USDA organic certification is expected to be rolled out on fruit and vegetable packaging by next spring. The inspection process includes a video interview of the farmers on their land explaining their organic production practices.“The Real Organic Project is an inspiring team,” said associate director and Colorado farmer, Dr. Linley Dixon, who is leading the pilot project effort. “The people who wrote the standards and advise the project are national leaders in the organic and greater environmental movements.” July 13 , 2018 U.S. avocado market remains strong following price … AUSVEG welcomes first female ag minister … You might also be interested in Successful International Blueberry Summit “raised … Dixon recently began her work as associate director of the Real Organic Project, and has a long history working for reform of the National Organic Program. She holds a Ph.D. in Plant Pathology from the University of Florida and also held a two-year post-doctorate with the USDA’s Systematic Botany and Mycology Laboratory.“Clearly the industrial egg operations became so powerful that they had significant political influence,” said Dixon.“We tried to keep the same thing from happening in other sectors of organic, especially tomato and berry production, but we lost that battle at the USDA last fall. Now we are taking matters into our own hands because we know it is what the consumer wants and expects when they choose organic.”Organic tomatoes and berries have seen a drop in wholesale prices due to the influx of industrial hydroponics, which can be produced more cheaply without growing in soil, according to the release. Real Organic Project farmers maintain that growing food without soil runs counter to the whole point of organic production. “The USDA has embraced a redefinition of organic by rejecting the organic animal welfare rule and allowing hydroponics to enter organic crop production,” said Chapman. NOSB member Emily Oakley is also a board member of the Real Organic Project. “I’m not a big fan of phrases like ‘organic premium’,” she said.”I think conventional food is falsely cheap, and frankly, the organic “premium” still doesn’t reflect the fair cost of producing the food if you account for unfair wages and the environmental costs of conventional food.”www.freshfruitportal.com
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Earlier this week, ESPN Insider John Clayton said he wasn’t sold that Ray Horton had the experience necessary to be a head coach in the NFL just yet.While Horton’s résumé suggests that he’s accomplished plenty in the National Football League (10 years as a cornerback and 19 years as an assistant with the Bengals, Lions, Redskins and Cardinals), he has only be a defensive coordinator for two seasons. Comments Share Regardless, his name has already been linked to several head coaching vacancies, including Arizona, who already interviewed him twice this week.Having also conducted interviews with the Buffalo Bills and Cleveland Browns, the 52-year-old has seemingly become ‘the frontrunner’ for several jobs — a fact Clayton did not try to ignore when speaking to Arizona Sports 620’s Doug & Wolf Thursday.“There isn’t any doubt that he’s going to be in the mix [for multiple jobs],” Clayton said. “With two interviews in Arizona, I don’t think he’s out of the mix in Arizona.”Although Horton has proven his pedigree as a defensive coordinator with the Cardinals (unit ranked in the top 5 in takeaways, passing defense and third-down defense in 2012), Clayton admitted there might be a small hurdle that could prevent his ascension to the position of head coach.“I don’t think there’s any guarantee that he’s getting a head coaching job, because the trend right now is everyone wants offensive coaches,” said Clayton. “They want offensive assistant coaches and they want former head coaches who were offensive guys. Derrick Hall satisfied with D-backs’ buying and selling Top Stories Former Cardinals kicker Phil Dawson retires Grace expects Greinke trade to have emotional impact
Derrick Hall satisfied with D-backs’ buying and selling 0 Comments Share LISTEN: Bruce Arians, Cardinals head coach Former Cardinals kicker Phil Dawson retires Your browser does not support the audio element. Top Stories The linebacker led the team with 122 total tackles last season while adding 6.5 sacks and four interceptions — two of which he returned for touchdowns. He also tallied 19 passes defensed, and was named to the Associated Press All-NFL 2nd Team this season. The Cardinals understandably, would like to have him back. “Oh there’s no doubt,” coach Bruce Arians told Doug and Wolf on Arizona Sports 98.7 FM Friday. “We offered Karlos a contract the day after the season.“We’re still in the negotiation process. But yeah, he’s a major priority because of what he brought to the table for us as a leader. We definitely would love to have him back.”To his credit, Dansby has said he expects to be a Cardinal next season, so he does not seem to be in any hurry to leave. Until he signs a contract with the team, though, that will be a possibility. For the second time. Once upon a time not too long ago, Karlos Dansby left the Arizona Cardinals because he was offered more money by the Miami Dolphins.A free agent in the prime of his career, Dansby left the desert for a five-year, $43 million contract. The numbers would be different, but could it happen again?Dansby, now 32, is again a free agent, and he happens to be coming off arguably the best season of his career. So, it’s understandable if he thinks a pretty good contract should be coming his way. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Grace expects Greinke trade to have emotional impact
Grace expects Greinke trade to have emotional impact Even in a worst-case scenario, it won’t sound like Cleveland, where a cacophony of boos accompanied every Tyrod Taylor incompletion. That’s because State Farm Stadium will also be inhabited by copious amounts of Bears fans, transients and visitors alike. They will cheer whenever Arizona fails, and the mixture of emotions will be disorienting.Here’s the rub: No matter how good Rosen might be, the Browns are still better than the Cardinals. Their first two games were noble efforts and not dumpster fires. They were good enough to respond to Mayfield’s lead and the energy he infused.That represents the untold story of Cleveland’s victory, how his teammates responded with renewed focus and fervor once Mayfield entered the game. But they weren’t showing a preference in quarterbacks. They were reacting to the revolution in the stands, feeding off the positive energy from a fan base been lustily demanded a succession at quarterback and cheered wildly once it happened.Granted, it happened because of injury. But when it did, everything changed for the better.That could happen against the Bears. Mayfield proved that rookie quarterbacks don’t all come with glass ceilings. Not all need grooming, seasoning and mentoring. Any coach who insists otherwise is overstuffed with self-importance. Related LinksUntil it’s Rosen’s time, Cardinals’ Wilks hopes for a Bradford turnaroundCardinals’ David Johnson would love more touches — he’s not going to begWeek 3 injury report: Chicago Bears vs. Arizona CardinalsMayfield’s performance was the stuff of legends, raising hopes and expectations in Ohio and Arizona. The No. 1 overall pick delivered the Browns’ first win in 635 days, rallying his team from a 14-point deficit. He galvanized a region defined by failure, opening up hearts and beer fridges alike.Valley fans are yearning for a similar experience, where our NFL team has been adrift for too long. Disgruntled voices are being heard. Rookie head coach Steve Wilks ended a recent practice by piping in audio of booing fans, the sound his players heard when leaving the field after a Week 1 loss.It might be an effective appeal to his team’s collective pride. It might be a goofy gimmick from a coaching staff desperate for validation. Either way, the forecast is obvious to both sides.If Sam Bradford doesn’t lead the team on immediate, sustained drives in the early going, the Cardinals will hear the wrath of angry fans. It will be an encore to what happened Thursday night in Cleveland. It will be the civic outcry for Rosen, the only high-profile rookie quarterback yet to take the field in 2018. The kid hell-bent on proving he’s better than all the rest, especially Mayfield. Rosen is smarter than Mayfield, has a better arm and carries nearly the same swagger. He is confident enough to seize the moment and not worry about personal survival. And the shifting public opinion inside the stadium will certainly play a minor role in what transpires against the Bears.Owners, general managers and coaches like to scoff at public pressure. They know better than to let fans influence their weighty decisions. But no football team wants to be embarrassed three weeks in a row. No owner wants to hear his team booed by the paying customers, especially in Arizona, where Michael Bidwill has turned around a once-fumbling organization.They will all hear your voices on Sunday. They are hoping for the best and bracing for the worst. They will gauge Bradford’s play and your mood on the fly, in a game pivotal for their credibility and our collective faith. But the Cardinals also know this:Once they hand Rosen the keys, there’s no turning back.Ready? Me, too. Top Stories Sports fans have a voice. It’s louder than ever. It rarely equates to real power. With one notable exception:The sonic boom of a town turning on its starting quarterback.It happened Thursday night in Cleveland, setting the stage for Baker Mayfield’s sensational debut. It could happen Sunday in Glendale, where the clunky Cardinals are 0-2 and Josh Rosen stands in the on-deck circle.The vibe in the stands will frame the game on the field. The soundtrack will be fascinating. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Former Cardinals kicker Phil Dawson retires (AP photos) Comments Share Derrick Hall satisfied with D-backs’ buying and selling