FORT ST. JOHN, B.C. – NEAT’s Northern Co-hort proudly presents the 1st Annual Northern Seed and Garden Supply Exchange.The Co-hort shares this will be a day of community building being held Saturday, April 13, 2019, from 11:00 am – 3:00 pm at the NEAT Offices, 10003 95th Ave, Fort St John, above the NEAT Finds Thrift Store.Pack up your seeds and garden supply’s for the first of many exchanges. There will be workshops offered on mason bees, pruning and permaculture. As well as the opportunity to meet local ecological farms, gain access to local meats, canning, plant starts and weekly veggie box information. 12:30 pm – Pruning Principals with Sonya Runacres1:30 pm – Permaculture with Katy PeckTo pre-register to ensure space at our workshops; CLICK HERETo view the FB Event Page; CLICK HERE This is a family event and kids can paint and plant their own flower pot to take home.You can also sign up for a community garden bed, play with composting worms and veggie themed block prints.There will also be door prizes to win.Entry fee into the exchange is $5 which also gets you a 25% discount at NEAT Finds Thrift Store.The Professional Workshops are $10 each or $25 for all 3 (pre-register to ensure your spot)11:30 am – Mason Bees with Emony Nicholls
Congress President Rahul Gandhi filed nomination papers to contest from the Wayanad constituency which on Thursday, turned into a ‘human sea’ with thousands lining up streets and crowding squares to catch a glimpse of Rahul accompanied by Priyanka Gandhi Vadra. Up north, in Amethi, BJP candidate Smriti Irani, looked like she was in breakheart pass, the limelight going south to bypass Wayanad, tri-junction Kerala-Karnataka-Tamil Nadu. As Gandhi family’s pocket borough Amethi loses some of its privileged sheen, Wayanad is where all eyes are set. People from not only Wayanad and the rest of Kerala but also denizens of Tamil Nadu and Karnataka thronged Rahul-Priyanka Road Show’s route, prefixed and affixed to Rahul’s bandwagon. Also Read – A special kind of bondBut does Rahul Gandhi know wild animals stalk the constituency? They come out of forest lairs and descend from mountain fastness to disturb humans bent to tasks in cleared forestland, once free-range for elephants and big cats. Rahul should know pioneer land-buyers, mostly Christian migrants from central Kerala, crowded wild animals into shrinking jungles and forced adivasis to make a hasty retreat early last century. Does Rahul Gandhi know ‘his’ constituency; if so, how well? Rahul is the sort of politician who surrounds himself with armchair experts. Mostly young, they campaign on Twitter, and voters of Wayanad are woeful twitter-warriors. But they know their pepper and their coffee beans, plantain and banana. Can he tell the difference? He’ll have to. Also Read – Insider threat managementThere is this reporter who writes, “In Wayanad, Rahul will be greeted not just by the ecstatic mob of Congressmen alone, but a motley crowd of grim-faced farmers and Adivasis as well.” Astounding reportage. How does this guy know beforehand it will be an “ecstatic mob” of Congressmen or a “motley crowd of grim-faced farmers and adivasis”? That said, it’s fact “farmers and adivasis” are the two big chunks of voters in Wayanad. They make up 40 per cent of Wayanad’s voters. The Wayanad farmer is affected by climate change, is victim of public and private moneylenders; is hit by the free-fall of farm-produce prices and dogged and dragged by wild animals, alpha-predators. The Wayanad adivasi is in no better shape. If anything, worse off. They fall squarely in Rahul’s ‘NYAY’ bracket. After the initial years of hard back-breaking work, the second and third generations of Wayanad-farmers lived well-off lives. Pepper, coffee and cardamom made them rich. They lived life king-sized. Then land got “raped” and the environment degraded. Prices of commercial crops crashed. Moneylenders took charge. Today, the farmers, nearly 21 per cent of Wayanad, are living on borrowed money and borrowed time. Will Rahul Gandhi be able to improve their lot if he doesn’t become Prime Minister? Last August’s floods left farmers devastated and depressed. Loan burdens, drought-like conditions, results of diminishing forests and ill-conceived tourism initiatives, left holes in the hilly terrain, green cover gone. Rahul Gandhi has his work cut out. He can start by giving a good read to the Madhav Gadgil report. Wayanad needs to strike a balance between human and wildlife. Road and rail connectivity ought to improve and environmental concerns should not be overlooked. Medical care for people should go hand in hand with education. Food security for the tribal and other poor should be guaranteed. Successive UDF governments did not do much for Wayanad, where’s the guarantee Rahul Gandhi will? Congress is a strong entity in the state. Even if he doesn’t become Prime Minister, he still can make a difference in the lives of the people of Wayanad. According to reports, Rahul is not that unfamiliar with Wayanad. He’s been in and out of the constituency before. The problem is that Rahul has a less than sterling record in Amethi. And Smriti Irani is hollering this “fact” from Amethi. Also, it wouldn’t be a cakewalk. The LDF and the BJP-BDJS combine, both, have Rahul Gandhi in their crosshairs. The state Congress unit has its task cut out. It cannot let Rahul Gandhi, Congress President no less, lose. Religious groups have a considerable say and sway in Kerala politics. Even atheist-communists like Pinarayi Vijayan and Prakash Karat understand which religious denominations ought to be courted, which should not be. Rahul Gandhi cannot wear the ‘Janeou’ over his kurta in Wayanad; that much is fait accompli. (The views expressed are strictly personal)
Ohio State senior Alexis Mattern wears a teal ribbon during a meet on Jan. 27 to support survivors of sexual abuse. Ohio State joined several programs across the nation in the sign of support. Credit: Courtesy of Walt Middleton | Big Ten ConferenceThe revelations from the trials and sentencings of disgraced USA Gymnastics and Michigan State team doctor Larry Nassar have tainted the reputation of the sport’s governing body, but that doesn’t compare to the emotional and physical harm done to the nearly 300 girls and women whom Nassar abused, and USA Gymnastics’ failure to alert authorities.The recovery from exposed systemic issues for USA Gymnastics and, more importantly, the survivors, won’t happen in the interim, but Ohio State has decided it will be a part of that healing process and the dialogue that comes with it.The Ohio State women’s gymnastics team began wearing teal ribbons during its competitions on Jan. 27 as a symbolic gesture of solidarity with the survivors of sex abuse around the world.Today we wore teal ribbons in support of the victims of sexual abuse. #WeSupportYou #TimesUp pic.twitter.com/dU20mSlHVN— Ohio State WGYM (@OhioStateWGYM) January 28, 2018“The team really just wanted to be supportive in any way that we could to all of the survivors and really make a statement that we stand with everyone that is a victim of any type of abuse,” senior Alexis Mattern said. “And that was something that was close to our hearts. That we just wanted to make sure we were putting our foot out there to be cohesive and to show our support.”Mattern said it was a collective team decision to wear the ribbons, after seeing multiple other programs do the same. Michigan, Utah, Georgia, UCLA, Illinois and several other programs have worn the ribbons in the wake of the Michigan State and Nassar scandal. Mattern added that showing some sort of support for the victims is “a choice each program is OK to make.”University of Utah, where Ohio State head coach Meredith Paulicivic used to coach, is among many NCAA women’s gymnastics programs that have set up additional support resources for their athletes to create a channel for their athletes to discuss any difficult conversations.Paulicivic declined to discuss specific ways Ohio State has made resources available to the athletes on her team, but reiterated that she has established an open-door policy for her team to talk with all members of the coaching staff, academic counselors and sports psychologists at any moment.Ohio State plans to wear the ribbons for the remainder of the season.
OSU junior defensive end Joey Bosa (97) runs with the football after intercepting a pass in a game against Michigan on Nov. 28 at Michigan Stadium. Credit: Lantern File PhotoAfter the long drawn out saga of contract negotiations between former OSU standout Joey Bosa and the San Diego Chargers, the team announced they have signed the third overall pick from this year’s NFL draft.Bosa, a unanimous first-team All-American from 2014, registered 13.5 sacks that year. He was considered an instrumental part of the national championship run of the Buckeyes.“We look forward to having Joey join us and getting him prepared as quickly as possible for the 2016 season,” Tom Telesco, general manager of the Chargers, said after the announcement.The details of the contract have yet to be released. The contract is for four years.Bosa drew scrutiny from the team and fans after refusing for months to sign the contract offer from the Chargers. His agent said both sides had disagreements over the language of the contract.With this signing, all first round picks from this year’s draft have been signed.
A driver attached to Digicel was on Tuesday slapped with a charge of causing the death of 65-year-old, Muneshwar Narine by driving dangerously on the Danzie Public Road, Mahaicony, East Coast Demerara (ECD) on Saturday last.Dead: Muneshwar Narine36-year-old, Gavin Sandy of Number 53 Village, Corentyne appeared at the Mahaica Magistrate’s Court and denied the allegation.It is being alleged that on December 1, 2018, he drove motor pickup PNN 8778 dangerously thereby causing Narine’s death.He was granted bail in the sum of $300,000 and will make his second court appearance on December 8, 2018.INews had reported that Narine of Lot 15 Supply Village, Mahaica, East Coast Demerara (ECD), a security guard, was killed at about 14:00h when the above mentioned pickup collided with him.Police investigations revealed that the pickup was proceeding east along the northern carriage way and according to the driver, Narine who was on a bicycle suddenly swerved into his path thus causing the collision.The man was immediately rushed to the Mahaicony Cottage Hospital where was pronounced dead on arrival.Sandy reportedly passed a breathalyzer test before being taken into custody. Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Related2 killed in separate accidentsDecember 2, 2018In “Crime”Ogle accident: Driver faces two causing death charges as second youth succumbsDecember 11, 2018In “Court”Pickup driver in custody after New Hope fatal accidentAugust 8, 2019In “Crime”
With over 1.1 billion people lacking access to water, with urban infrastructure crumbling, and with climate change increasing pressure on our most precious of resources, The Water Innovations Alliance, an industry association promoting accelerated development and adoption of water technologies and methodologies, today announced that it will be holding its 2nd annual Water Innovations Alliance Conference at McCormick Place in Chicago, IL, from September 27 – 29, 2010. The real theme of this event is change. Governments, corporations and citizens need to change how they view water, how they use it, and how they manage it afterwards.This vital summit is being held to discuss and assess the urgent problems that face our environment and economies due to our growing water crisis, and to explore cutting-edge technologies and innovations that may solve them. The event will bring together a who’s-who of water industry leaders, technology innovators, researchers, the hottest water start-ups, NGOs, and policy makers. Further, the Water Innovations Alliance Conference is being designed to improve awareness and collaboration between large companies, engineering firms, universities, utilities, start-ups, NGOs and governments by educating attendees on new water technologies, innovations and prospects. Whether the developments are in materials, IT, engineering, financing or public policy, the conference will shine a spotlight on all advancements and provide best practices across the spectrum of the water field.“The real theme of our event is change. Governments, corporations and citizens need to change how they view water, how they use it, and how they manage it afterwards,” said F. Mark Modzelewski, Co-Founder and Executive Director, Water Innovations Alliance. “The water sector has changed little from the time of Caesar’s rule. We have gotten a bit better at engineering and chemistry, but essentially we are running water through troughs, forcing it through holes, and poisoning other poisons that are in it. As such, we are convening leaders in the field at the Water Innovations Alliance Conference to address change and to explore solutions, both near and long term.”While all topics and areas of water – including filtration, desalination, water footprinting, infrastructure, and finance – will be covered at the summit, this year’s event is putting a special focus on two key areas of the water sector:• The Water-Energy Nexus• Creating a Smarter Water Grid• Specific event details, including conference session topics, keynote speakers, and panelists, will be announced on an ongoing basis.“The Water Innovations Conference is the only event specifically focused on cutting-edge technology and innovating for the water sector. It is also the only event that gathers leaders from water regardless of their subsector or discipline, so they can discuss best practices, unique ideas, advance research projects, collaborate and cross-pollinate their efforts,” said Vincent Caprio, COO and event director, Water Innovations Alliance. “It’s reflective of the tremendous growth we have had in the past year at the Water Innovations Alliance, with a host of new members, committees, and projects, along with the establishment of our Water Innovations Foundation.”For a complete event information, including the conference schedule and registration details, please visit www.waterinnovations.org/event.php
MINISTER FOR ENVIRONMENT Phil Hogan said today that communication about water restrictions in Dublin could have been handled better.Speaking on RTÉ’s News at One earlier, Hogan said “rather than putting it on the airwaves by press release yesterday morning, I think we could have handled it better”.“It is important to communicate with people and all of the various updates and requests for information are not available.”He said that the issue at the Ballymore Eustace plant is one that “engineers haven’t seen or experienced before” and that international expertise has been brought in to assist them.Though he said “everything possible” is being done, he could not guarantee that the nightly restrictions will be lifted by next Monday.Tonight, water across the four Dublin local authority areas will be shut off from 8pm to 7am tomorrow morning and Dublin City Council has said this will continue until at least Monday evening as its engineers work to find a solution.Read: Council: water will take time to come back – and may look cloudy>Read: Water restrictions cause outrage in the greater Dublin area >Read: ‘Ireland is like a third world country when it comes to water supply’ >
US PRESIDENT BILL Clinton asked advisers for more information on Osama bin Laden in 1998 after flagging a newspaper story, according to records from the Clinton White House that were released today.The records also detail consideration of military action in Haiti in 1994 and preparations for Supreme Court nomination hearings.The National Archives released about 1,000 pages of previously restricted documents from Clinton’s two terms, part of about 20,000 pages of Clinton records that have been disseminated since February. The papers, which are stored at the Clinton Presidential Library in Little Rock, Arkansas, have received interest as former first lady Hillary Rodham Clinton considers another presidential bid.The latest batch also covers the Supreme Court nominations of Justices Ruth Bader Ginsburg and Stephen Breyer, the appellate court nomination of future Supreme Court Justice Sonia Sotomayor, security planning for the 1996 Summer Olympics in Atlanta and the 2000 presidential campaign of Al Gore, the then vice president.Here are some of the key details from the documents:Bin LadenIn one file referencing bin Laden, Clinton urgently asked his top national security aide whether the CIA overstated the involvement of the terrorist leader in the August 1998 bombings of U.S. embassies in Kenya and Tanzania. In his April 1999 scrawled note, Clinton referred to a New York Times story from that month that suggested US intelligence officials had gathered no first-hand evidence of bin Laden’s involvement.“If this article is right, the CIA sure overstated its case to me — what are the facts?” Clinton asked national security adviser Samuel “Sandy” Berger. Clinton’s note prompted a flurry of replies from Berger, counterterrorism coordinator Richard Clarke and aide Daniel Benjamin, but those responses were withheld, apparently for national security concerns.Government prosecutors later indicted bin Laden among a group of al-Qaeda leaders and operatives for their involvement in the simultaneous bombings, which killed 213 people in Nairobi and 85 in Dar es Salaam. Six terror associates were convicted and are serving life terms in US prisons.Bin Laden, the mastermind of the Sept. 11 attacks, was still under indictment when he was killed by US forces in Pakistan in May 2011.Haiti In 1994, Clinton’s team weighed taking action in Haiti to restore democracy and to remove military leaders who staged a coup. Congress opposed any intervention and Clinton’s aides debated how to act without lawmakers.“The operation is likely to involve low intensity and short conflict. Given the consent of President (Jean-Bertrand) Artistide and the limited capability of the Armed Forces of Haiti, such action does not intrude upon the power of Congress to declare war,” national security aide Tony Lake wrote to White House counsel Lloyd Cutler.In another memo, Lake, Cutler and Pat Griffin urged Clinton to take action without congressional approval. They said that simply informing Congress immediately before military strikes was sufficient.Clinton deployed armed forces in September 1994. As some US military members were in the air en route to the island, Haitian military leaders agreed to step down and they left the country in October. Aristide resumed power.1996 Summer OlympicsA June 1996 memo from top aides to Clinton and Gore detailed White House efforts to oversee security in Atlanta for the Summer Olympics Games — as well as to lay plans for Clinton administration efforts to tap into the heavily televised events’ successes.Saying the federal government had a “considerable” stake in the events, the aides wrote that the Olympics “will be a daily focus at the White House.” In a nod to the growing importance of instant media and communication responses, the aides devised daily meetings of communications aides to respond to good-news developments. “The key is to be able to be spontaneous in celebrating successes at the gates by planning for such ‘spontaneity,’” wrote White House chief of staff Mack McLarty and Gore aide Ron Klain.The 1996 games proved to be a mixed success. A record 197 nations participated, but there were complaints about crowding and commercialism. A bomb set off in Atlanta’s Centennial Olympic Park caused two deaths and 111 injuries. Eric Rudolph, an anti-abortion activist, pleaded guilty in 2005 to the bombing and is serving a life prison term.Read: Al-Qaeda saw Canary Wharf as a target after 9/11, US trial hears >Read: The CIA ‘misled’ the public over harshness of torture regime >
Let us know what you like about Geek by taking our survey. Stay on target Cool Gifts for ‘Final Fantasy’ LoversGEEK PICK: Final Fantasy 15 Pocket Edition HD After nearly ten years of development, Final Fantasy XV was finally released last year. However, that didn’t mean the game was completed. During the past year, FFXV has received a number of updates and add-ons. These include performance updates and of course, numerous amounts of DLC. You’d think that’d be enough, but the word “final” in Final Fantasy has never meant much.Square-Enix announced Final Fantasy XV will let players swap between each of the game’s protagonists. Before, users could only ever play as Noctis. Now, they’ll get to play as Ignis, Gladio, and of course, Prompto. Instead of merely playing as Noctis, each character has their own unique fighting style. Their combat mechanics are lifted from each of their respective DLC.The ability to swap characters will come as part of the Episode Ignis DLC dropping on December 13. During the latest Active Time Report live stream for FFXV, we were given some details about this DLC (via Siliconera). Players can expect a length of around one to two hours. After finishing the DLC, an alternate route opens up. This route leads to a challenging boss battle. Players will also face off against Noctis after finishing the DLC, though it is unclear if the FFXV hero is the aforementioned boss. Episode Ignis is supposedly the most story-heavy out of all the previously released DLC.It should come as no surprise that Final Fantasy XV director Hajime Tabata stated that the game will receive even more DLC in 2018. Considering how long it took FFXV to come out, this is a tad ridiculous. But I suppose folks are still enjoying the game enough to continue purchasing content for it. 2018 will also see the release of Final Fantasy XV on PC. Those who waited for this edition will no doubt be treated to the game and all of its DLC.
Facebook Twitter Google+LinkedInPinterestWhatsApp Related Items: Facebook Twitter Google+LinkedInPinterestWhatsApp#Jamaica, December 18, 2017 – Kingston – Justice Minister, Hon. Delroy Chuck, says the Ministry is looking to table the Child Diversion Bill in Parliament in January 2018. He said the Bill will go to Cabinet in short order for approval. The Minister was speaking at a press conference at his Constant Spring Road offices in St. Andrew on December 13. The Bill aims to address the needs of children involved in violent incidents, providing some alternative for them outside of the formal justice system.Turning to other legislative measures, Minister Chuck cited steps being taken to amend the law to enable a single judge adjudicating cases of human trafficking. He gave assurance that all “the Ministry’s (legislative) Bills are being dealt with expeditiously”. As it relates to the establishment of the Human Rights Institute, he said that “this is actively under consideration and will be dealt with in the early part of next year”.Meanwhile, Mr. Chuck said the Ministry is aiming to complete the payment of compensation to victims of the 2010 security forces operation in West Kingston by the end of the year. The Government has approved payment of approximately $200 million to aggrieved persons.Minister Chuck said that about 418 payments have been approved, which are to be deposited to bank accounts once the requisite documentations are completed and the taxpayer registration number and identifications are provided.Persons are being asked to visit Restorative Justice centres in Tivoli Gardens and Denham Town, which “will be utilized to ensure beneficiaries get their compensation on time”.
The Vancouver City Council voted 4-3 Monday to exercise a bloc veto at this week’s C-Tran meeting. The C-Tran Board of Directors meets Tuesday afternoon to discuss whether a 0.1 percent sales tax for maintenance and operation of light rail and bus rapid transit would go before the agency’s entire service area or a subdistrict. But a majority of Vancouver’s council members favor no vote this year, preferring instead to vet other ways to pay the $2.57 million annual cost of light rail before asking for a sales tax vote.Four councilors voted in favor of a motion to oppose advancing a sales tax vote “until all other funding options have been evaluated and discarded as not viable.”Voting in favor were: Mayor Tim Leavitt and Councilors Jack Burkman, Larry Smith and Jeanne Harris.Councilors Bart Hansen, Jeanne Stewart and Bill Turlay voted no.Hansen, however, said he will, per council policy, follow the will of the majority of the council and join Leavitt and Smith in exercising a bloc veto. A majority of the nine C-Tran board members, including the three-man Clark County Board of Commissioners, who also have veto power, have said they favor a broad public vote in November asking residents to help pay for light rail in Vancouver.
In its previous agreement with One Equity Partners, Macrovision could have received up to an additional $45 million in “earn-out” can be paid through 2012. The closing of the deal with Lionsgate is not subject to financial performance requirements, the company said.”The ‘speed’ with which one deal was substituted for another is pretty remarkable,” Jeff Dearth, a partner with DeSilva + Phillips, told FOLIO:. “The original buyer may have backed out—perhaps due to issues related to the credit markets—and Macrovision may have then gone back to the ‘runner up’ in the process. What usually precludes this sort of situation is a ‘no shop’ clause when the original Letter of Intent is signed. Normally, a ‘no shop’ clause in the Letter of Intent would prevent the seller from contacting other potential buyers for a set period of time—usually 45 to 60 days.”However,” Dearth continued, “if the original buyer backs away from the deal on their own accord, then the seller is free to solicit other offers. This seems to me to be the most likely scenario in this instance in my opinion.”When contacted by FOLIO:, a One Equity Partners spokesperson declined to comment.Last fall, Macrovision sold the print edition of TV Guide to Beverly Hills, California-based investment firm OpenGate Capital for $1, keeping the Web site. As part of the financial terms, Macrovision was to loan OpenGate up to $9.5 million at 3 percent interest.In April, Gemstar-TV Guide stockholders approved the company’s merger with Macrovision, which agreed last December to acquire Gemstar for $2.8 billion in cash and stock.UBS Investment Bank served as financial advisor to Macrovision in the deal with Lionsgate. After announcing a sale agreement last month, Macrovision has decided not to sell its TV Guide Network and TVGuide.com to Allen Shapiro and One Equity Partners for $255 million. Instead, the Santa Clara, California-based digital software solutions firm today said it has agreed to sell the network to film entertainment studio Lionsgate for the same price.The deal with Lionsgate is expected to close by February 28 and will be funded with Lionsgate’s existing cash and available funds, the company said.“In our previously announced transaction, prior to closing Macrovision was permitted to solicit and enter into agreements to sell the TV Guide Network and TV Guide online properties,” Macrovision president and CEO Fred Amoroso said in a statement. “We believe this transaction improves the probability and the timing of closing the transaction, while providing non-contingent consideration comparable to our previously announced transaction.”
Related posts:Red Cross warns of increase in violent deaths last month Life jackets not distributed before Costa Rica catamaran began sinking, killing 3, says president’s office UPDATE: US tourist drowns in Costa Rica rafting trip Police to streamline crime reporting in far-flung beach spots Costa Rica’s Red Cross reported that 79 people died by accidents and other violent causes in the first 19 days of this month. That exceeds by 27 the number of deaths registered in the same period last year, when the Red Cross reported 52 deaths.The figure likely will surpass last year’s total for the month, 81 deaths, according to the Red Cross.As was the case last year, traffic accidents are the leading cause of violent deaths for the period, totaling 27. Of those, 19 are classified as vehicle crashes, four are vehicle rollovers, and four people died after being struck by a vehicle.Homicides by firearms or knives are the second-leading causing, killing 17; seven people drowned in beaches or rivers; six died of unknown causes; five by poisoning; two were electrocuted; and two died from injuries caused by falls. In addition, 142 people resulted injured and were hospitalized.Among the drowning victims are three tourists who died on Jan. 8 when a catamaran sank in high winds and rough seas off the central Pacific beach of Herradura.Red Cross officials are concerned about the high numbers in the report, as they believe the number could increase significantly due to drowning and automobile accidents, which increase during upcoming weeks as many people are still on vacation across Costa Rica. Facebook Comments
Mortgage Professionals Weigh in On GSE Wind-Down in Daily Dose, Featured, Government, News, Secondary Market December 8, 2014 446 Views As policymakers continue to mull over the possible dissolution of Fannie Mae and Freddie Mac, a new survey shows industry professionals support the continued—albeit reduced—presence of the two mortgage giants in the market.In a report released Monday, the Collingwood Group said that 65 percent of lenders and other mortgage industry workers support the push for GSE reform, calling their current state of conservatorship under the Federal Housing Finance Agency unsustainable.At the same time, none of the survey respondents called for a wind-down or elimination of the GSEs, calling instead for administrative changes and the addressing of issues ranging from “aggressive put-back tactics” to the companies’ overwhelmingly dominant position in the market, which some firms see as the government crowding out the private sector.The Collingwood Group’s findings run counter to tactics taken by lawmakers like Tim Johnson (D-South Dakota) and Mike Crapo (R-Idaho), the heads of the Senate Banking Committee and authors of a bill designed to dissolve the GSEs and replace them with a government corporation that has a more limited role.Having passed a committee vote against the wishes of many Democrats, the Johnson-Crapo bill has yet to see a full Senate vote, despite support from the Obama administration. Critics of the legislation, including committee members Charles Schumer (D-New York), Elizabeth Warren (D-Massachusetts), and Sherrod Brown (D-Ohio), say it doesn’t do enough to provide affordable housing for lower-income Americans.While Washington continues to debate over the next step for Fannie and Freddie, the Collingwood Group reports that the two companies are making strides in improving their relationships in the mortgage industry. Sixty-seven percent of respondents in the firm’s survey indicated that Freddie Mac has become more supportive and responsive to lenders’ needs in the last year, while 63 percent said the same for Fannie Mae.”The industry’s perception of Fannie Mae and Freddie Mac’s boost in performance over the last year is evidence of the fight for market share,” the Collingwood Group said. “It’s clear that the agencies are providing better service to customers in order to compete with each other and the private label market.”When asked about which factors most influence their decisions on which GSE to sell their loans to, nearly half of respondents cited price as the biggest point, with one anonymous respondent saying, “Amidst margin compression and rising expenses, we have to capture every basis point.”Twenty-four percent said the most important factor is which GSE offers better support for smaller lenders, while 22 percent were more concerned about rep and warrant relief and enforcement. Collingwood Group Fannie Mae FHFA Freddie Mac Politics 2014-12-08 Tory Barringer Share
Share January 10, 2019 976 Views Jump in Mortgage Applications Freddie Mac Mortgage Applications 2019-01-10 Donna Joseph In its latest Primary Mortgage Market Survey, Freddie Mac revealed a significant drop in mortgage rates across the board, which in turn has led to an increase in the share of mortgage applications. “Mortgage rates fell to the lowest level in nine months, and in response, mortgage applications jumped more than 20 percent. Lower mortgage rates combined with continued income growth and lower energy prices are all positive indicators for consumers that should lead to a firming of home sales,” said Sam Khater, Chief Economist at Freddie Mac.For the week ending January 10, the 30-year fixed-rate mortgage (FRM) averaged at 4.45 percent, a drop from an average of 4.51 percent the week prior. The 30-year FRM averaged 3.99 percent around the same period last year. The 15-year FRM averaged at 3.89 percent, dropping from 3.99 percent the previous week. A year ago at this time, the 15-year FRM averaged 3.44 percent.The 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) reflected an average of 3.83 percent with an average 0.3 point—down from last week when it averaged 3.98 percent. Around the same period a year ago, the 5-year ARM averaged 3.46 percent.Average commitment rates should be reported along with average fees and points to reflect the total upfront cost of obtaining the mortgage. Visit the following link for the Definitions. Borrowers may still pay closing costs which are not included in the survey.“Average commitment rates should be reported along with average fees and points to reflect the total upfront cost of obtaining the mortgage. Borrowers may still pay closing costs which are not included in the survey,” the report indicated. in Daily Dose, Featured, Market Studies, Origination, Servicing
The government does not directly receive any cash from the citizenship-through-investment scheme, the finance minister said on Monday.“The state does not collect a single euro. The benefit is an indirect one, and has to do with invigorating the economy through a series of investments in various sectors,” Harris Georgiades told MPs.The passport scheme is a “useful tool” and the government intends to keep it in place, the minister said, amid reports that the European Commission was none too happy with Cyprus ‘giving away’ passports.Georgiades said reports that 1100 passports had been issued via the programme since it was introduced four years ago were misleading.Whereas the scheme does inject much-needed cash into the economy, he added, one should not overestimate its impact.The citizenship programme brought in €3.3 billion in foreign investment by the end of 2016.A parallel scheme providing a permanent residence permit to those buying homes worth €300,000 yielded an additional €700 million over the same period, bringing the overall total to €4 billion.But Georgiades noted it was important to make the distinction that this cash does not end up in state coffers.The only benefit to the state comes indirectly, from property transfer fees and VAT.Asked whether the government is considering revising the scheme – following pressure from the EU and IMF – Georgiades said they saw no need for tightening up the eligibility criteria.Any changes would probably involve tweaks to how the programme is promoted and advertised, he said.It’s understood, for example, that certain Cypriot agents advertise the scheme abroad in countries which do not even allow dual citizenship. This has created bad optics for the government.The issue regained traction after the Guardian ran a story in September criticising Cyprus for granting citizenship to billionaire Russian oligarchs and members of the Ukrainian elite.Trailing the Guardian report, a European Commission spokesman said that conditions for obtaining citizenship are set by national law but ‘are subject to due respect of EU law’.Cypriot officials argue that the investment-for-passport scheme here is in fact stricter than elsewhere.The investment needed for citizenship in Cyprus is for €2 million if the investment is made solely in residential real estate, at least a quarter of which must be spent on a residence for life. If not, the threshold is €2.5 million, at least €500,000 of which must be spent on a permanent residence.In both cases, the requirement of a permanent residence ensures the investor remains closely engaged with Cyprus even if not actually obliged to live on the island.The initial requirement for a €2 million overall investment in real estate applies for three years, after which the naturalised person may divest of the investment. However, they must keep their residence in Cyprus for life.By comparison, under Malta’s scheme, €350,000 must be spent on a residence, and it need only be held for five years. You May LikeDr. Marty ProPower Plus Supplement3 Dangerous Foods People Feed Their Dogs (Without Realizing It)Dr. Marty ProPower Plus SupplementUndoGundry MD SupplementsTop Cardiologist: This One Thing Will Properly Flush Out Your BowelsGundry MD SupplementsUndoUltimate Pet Nutrition Nutra Thrive SupplementAdd This One Thing To Your Dog’s Food To Help Them Be HealthierUltimate Pet Nutrition Nutra Thrive SupplementUndo Concern over falling tourism numbersUndoTurkish Cypriot actions in Varosha ‘a clear violation’ of UN resolutions, Nicosia saysUndoOur View: Argaka mukhtar should not act as if he owns the beachUndoby Taboolaby Taboola
15Jun Rep. Roberts announces summer reading contest, encourages local students to participate Categories: News,Roberts News,Roberts Photos State Rep. Brett Roberts has announced a summer reading contest for local students.The contest—whose winner will be decided in early September—measures how many books each participant reads over the course of their summer break.“Reading at home is one of the most useful tools that a child can use to build on the resources given to them throughout the school year,” said Rep. Roberts, R-Eaton Township. “As a parent of two young children, I make an attempt as often as I can to ensure that reading is a part of their everyday lives.”Children in grades one through five wishing to participate can get an official book report form from Rep. Roberts’ website. Book reports will show how much the student has learned about the plot of each book that they read. In order to qualify for the contest, students should turn in their reports to Rep. Roberts’ office by September 8. Essays may be submitted via email to BrettRoberts@house.mi.gov.The winner of the contest will be awarded with a chance to become a Representative for a day, and will be able to attend lunch and part of a House session with Rep. Roberts in his Lansing office and the Capitol.“I look forward to welcoming our lucky winner into my office,” Rep. Roberts said. “This contest is a great way for our young, bright minds to get involved with reading over the summer, and I sincerely hope to see all of our local students participating.”Those seeking more information on the contest are encouraged to contact Rep. Roberts’ office by phone at 517-373-1775, or by email at BrettRoberts@house.mi.gov.###
Tags: invocation, REp. Howrylak, Very Reverend Father Mina D Essak Rep. Martin Howrylak and the members of the state House welcomed the Very Reverend Father Mina D. Essak of St. Mark Coptic Church in Troy to the floor of the House of Representatives. The Very Reverend Father Mina D. Essak gave the invocation before the House session in the Capitol building today.“It was an honor to welcome Father Mina to the House of Representatives,” said Rep. Howrylak, R-Troy. “Father Mina gave a beautiful and inspiring invocation that stressed the importance of cooperation among legislators.” Rep. Howrylak’s office can be contacted by phone toll free at 1-877-248-0001, or by email at MartinHowrylak@house.mi.gov.##### Categories: Featured news,Howrylak News,Howrylak Photos,News,Photos 24Mar Troy Reverend gives invocation at House
24Feb Runestad: Free speech shouldn’t be violated on college campuses House Judiciary Chair urges review of policies censoring students, facultyState Rep. Jim Runestad, chair of the House Judiciary Committee, this week urged presidents at 15 universities across Michigan to review and reform policies restricting free speech on their campuses.The second-term representative sent letters this week to Michigan colleges that ranked poorly in the Foundation for Individual Rights in Education (FIRE) Spotlight on Speech Codes.“The U.S. Supreme Court has held that First Amendment protections should apply with the same force on college campuses as they do in the rest of the community – so why are so many of our universities continuing to restrict speech?” said Runestad, of White Lake. “These schools cannot be permitted to pick and choose what ideas students hear. Students should be exposed to a range of perspectives, not just the ones that fall in line with the beliefs of college administrators.”Of the public institutions in Michigan whose policies were surveyed by FIRE, Runestad said the report revealed that not a single university’s policies completely met the institution’s obligations under the First Amendment.Specifically, Runestad points to students trying to distribute copies of the U.S. Constitution on the campus of Kellogg Community College in Battle Creek who were arrested because they had not obtained permission from campus administrators.“I hope you will agree that the constitutional rights of students enrolled at public institutions of higher education are too important for us to stay idle,” Runestad wrote in the letter. “As chairman of the House Judiciary Committee, it is my hope that these policies will be satisfactorily revised in compliance with our nation’s constitution.”Letters were sent to the following schools: Central Michigan University, Eastern Michigan University, Ferris State University, Grand Valley State University, Lake Superior State University, Michigan State University, Michigan Technological University, Northern Michigan University, Oakland University, Saginaw Valley State University, University of Michigan-Ann Arbor, University of Michigan-Dearborn, University of Michigan-Flint, Wayne State University and Western Michigan University.### Categories: Runestad News