On a recent evening at Philo Ridge Farm in Charlotte, the baths of a few (real) sheep intermingle with the classical music played by a string sextet. It was the group’s first of eight summer performances.“It was so joyful,” said Myra Handy of Shelburne, Vermont, who had been waiting to see the ballet since she heard about it last summer. The talent, music and exuberance exceeded her and her husband’s expectations, she said. Advertisement Advertisement LEAVE A REPLY Cancel replyLog in to leave a comment Login/Register With: Advertisement Facebook CHARLOTTE, VT.—At the height of the summer, corn fields are getting taller, tomatoes are starting to ripen, cows are grazing — and ballet dancers are pirouetting and leaping across the grass.The Farm to Ballet project is trading a stuffy auditorium for the open air and evening skies of farms around the state of Vermont. The goal is to expand the audience for classical ballet while helping raise funds for local agriculture, organizers said.The 25 dancers — some professional but many of them amateurs and ranging in age from 18 to 74 — prance and twirl on the grass in colourful costumes. Dressed as lettuce, tomatoes, bees, a cow, pig or farmer, they tell the tale of the growing season. “It was a highlight of our summer.”The idea for the farm-based ballet grew out of a summer class the dancers took outdoors with Chatch Pregger, a professional dancer-turned-teacher at Spotlight Vermont, a performing arts school. Twitter
NEW DELHI: After hard bargaining by both sides over the last three months, alliance talks between the AAP and the Congress on Friday reached the last step of either yes or no. The AAP has asked Congress to rethink on its stand about Delhi and Haryana pacts, said AAP leaders. AAP has also postponed filing of three nominations scheduled for Saturday. “Today also we have again given a chance, people of the country want that. We have given Congress the last chance to think it over, let’s see what happens,” AAP Delhi incharge GopalRai said. Meanwhile, AAP candidates for Chandni Chowk, North West and East Delhi LS seats, earlier scheduled to file nominations on Saturday, will now file nominations on Monday. Congress has offered four seats to the AAP as part of the alliance and has opted for the Chandni Chowk, North West Delhi and the New Delhi seats for itself. Earlier, AAP’s Sanjay Singh on Wednesday met Congress leader Ghulam Nabi Azad for alliance talks in Haryana in a seat-sharing formula of 6:3:1, sources said. However, the sources said JJP chief Dushyant Chautala is not ready to form an alliance with Congress. “From day one, we had clarified that we could not join hands with the Congress whose hollow and corrupt policies affected the country…I want to clarify that there is no question of forming an alliance with the Congress and we have held no talks with the Congress in this matter,” he said on Thursday. However, the sources said that the AAP took the initiative to convince Chautala. Sources said that AAP has now put forward a fresh offer for Congress. According to sources, AAP agreed to 7:2:1 formula in Haryana instead of 6:3:1, and 4:3 in Delhi. However, party leaders said that Congress has been refusing for a tie-up in Haryana but AAP will still make the final push. The AAP announced in March all its seven candidates for the national capital, where polling will be held on May 12. It fielded Pankaj Gupta from Chandni Chowk, Dilip Pandey from North East Delhi, Atishi from East Delhi, Brajesh Goel from New Delhi, Gugan Singh from North West Delhi and Raghav Chadha from South Delhi. Balbir Singh Jakhar was the last name announced by the party for the West Delhi constituency. However, Jakhar became the first among the seven to file his nomination on Thursday.
Fez – In an interview with the Telesur TV channel in Venezuela, Diego Armando Maradona declared that Lionel Messi does not deserve the golden ball award as world cup best player.The footbal legend, known for his divisive and controversial statements, stated that Leonel Messi was not good enough to attain this honorable title.Former Argentinian star added in ‘El Zurda’ program that it was a set plan to grant Messi this trophy as part of a merketing agenda. Stating meanwhile that he would give Messi the best prize possible because he is a great player. Maradona has also levelled some criticism against Argentine manager, Alejandro Sabella, espicially for substituting Ezequiel Lavezzi for Sergio Aguero in the wold cup Final, a decison Maradona deemed a decisive mistake as Lavezzi was more effective than Man. City’s striker.Also Joseph Sepp Blatter has expressed his ‘little surprise’ for granting Messi the best player trophy.In a press conference following the end of the world cup, FIFA president told journalists that he did not expect such a nomination, claiming that he would but confirm to it as his position dictates.
Paulo Sérgio Pinheiro, the UN Special Rapporteur on the situation of human rights in Myanmar, also voiced concern about the well-being of those being detained. “Reports have been received expressing serious concerns regarding the health conditions of some of the prisoners who require immediate care and specific medication,” Mr. Pinheiro said in a statement issued today in Geneva. Calling the ongoing prosecutions “a flagrant abuse” of people’s right to a free and fair trial in accordance with internationally recognized standards, he stressed that the Government has “a prime responsibility and duty to protect, promote and implement all human rights and fundamental freedoms.” The Special Rapporteur visited Myanmar last November to verify allegations of abuses during the Government crackdown in the summer of 2007, determine the numbers and whereabouts of those detained or killed, and collect testimony about what happened. He found that at least 31 people died during the crackdown – 16 more than had been acknowledged by the Government – and that between 3,000 and 4,000 people were arrested in September and October. The UN Human Rights Council, to which Mr. Pinheiro reports, has requested him to conduct a follow-up mission to look into ongoing human rights violations before the Council’s next session in March. 5 February 2008Nearly five months after Myanmar’s forceful crackdown on peaceful protesters, political and human rights activists continue to be arrested, detained and sentenced to prison, an independent United Nations expert said today.
9 September 2009Former United States First Lady Laura Bush has added her voice to a chorus of United Nations officials underscoring the importance of bolstering global efforts to increase the number of people who can read and write around the world. “Literacy is at the core of sustainable solutions to the world’s greatest challenges,” stressed Ms. Bush, who is an Honorary Ambassador for the UN Literacy Decade (2003-2012). “It provides the foundation for freedom and sustainable economic development,” Ms. Bush told a UN Educational, Scientific and Cultural Organization (UNESCO) gathering celebrating the International Day for Literacy at the agency’s headquarters in Paris on 8 September.UNESCO Director-General Koïchiro Matsuura noted that while the “empowering role of literacy and its significance for development have been recognized worldwide, there are still 776 million illiterate adults in the world and 75 million children out of school whose rights and needs remain unfulfilled.”In his message marking the Day, Secretary General Ban Ki-moon said that in a “world of enormous wealth, in a world in which education and knowledge are the necessary passports to a better life, the scale of illiteracy is truly staggering.”A UNESCO report released last year noted that some 75 per cent of illiterate adults worldwide live in only 15 countries – including Bangladesh, Brazil, China, India and Nigeria. And in some sub-Saharan African countries, the number of non-literate adults has increased in recent years by approximately 30 million. Under such circumstances, three quarters of the 127 countries for which projections were calculated will miss the Millennium Development Goal (MDG) of halving adult illiteracy rates by 2015. In line with the UN Literacy Decade calendar, International Literacy Day put the spotlight this year on the empowering role of literacy and its importance for participation, citizenship and development.The presentation of the 2009 UNESCO Literacy Prizes followed the opening when representatives of innovative educational projects based in India and Burkina Faso received the awards. Projects in Afghanistan and the Philippines were honoured with the awards of the UNESCO Confucius Prize for Literacy, with a programme in Bhutan receiving an honourable mention.
Mexico claims that the US broke its legal obligations to its neighbour when it did not inform 52 Mexican nationals of their right to contact their consular representatives “without delay” after their arrest. All the detainees are awaiting capital punishment after being convicted of serious crimes.Mexico claims that this is a breach of the Vienna Convention on Consular Relations, and wants the US to annul the convictions and sentences or, failing that, to provide a “meaningful and effective review and reconsideration of the convictions and sentences.”The US wants the Court to dismiss Mexico’s claim. Washington says that it has conformed its conduct to an earlier ICJ decision, known as the LaGrand case, about the treatment of detained foreign nationals.In that 2001 ruling, the Court found that the US had breached its obligations to Germany and to Karl and Walter LaGrand – two German nationals who faced the death penalty – under the Vienna Convention on Consular Relations.No date has been set for the ICJ to issue its judgment, which is binding and cannot be appealed.
The report G20 Labour Markets 2015: Strengthening the Link between Growth and Employment, compiled by the International Labour Organization (ILO), the Organisation for Economic Co-operation and Development (OECD) and the World Bank Group, reveals that growth among G20 economies averaged 3.2 per cent over the last three years compared to 4.1 per cent from 2000 to 2007. “A weak economic recovery continues to weigh heavily on G20 labour markets, while the persistent lack of decent jobs is in turn hurting the recovery,” said ILO Director-General Guy Ryder, who is set to participate in the G20 labour and employment ministers meeting and their joint meeting with finance ministers. The joint meeting will aid G20 leaders by integrating policy initiatives that work on both the demand and supply side of labour markets, he added.The report also notes that the unemployment rate remains cause for concern. It rose from 5.1 to 6.0 percent between 2007 and 2009, and remains high at 5.8 percent in 2014. This has resulted in an estimated shortfall of 50 million jobs across the G20 (comprised of 19 countries and the European Union) compared to the start of the crisis. It is not only the quantity of jobs that has fallen, but the quality, notes the report. Many G20 country jobs created between 2009 and 2014 are part-time, offering lower wages, less job security, and weaker social protection coverage.Some 51 per cent of workers in emerging G20 countries were in “vulnerable employment” in 2014. The report notes that while this is an improvement, it is still an unacceptably high number. Wage growth, meanwhile, has suffered a significant slowdown, which, combined with the jobs gap, has led to a decline in the labour share of national income and rising inequality in most G20 economies.“As this report clearly states, we need a comprehensive and multi-sectoral approach to reverse the current self-reinforcing cycle of slow growth, low job creation, weak wage and income growth and low investment,” said Mr. Ryder. “Policies that reverse the worrying trends towards greater inequality can both accelerate economic recovery and make growth more inclusive.”
A generation of children is becoming “middle-class gangsters”, a court has been told after a barrister told the jury a knife killer was a “wannabe hardman from a wealthy family”.Grammar school student Yousef Makki, 17, was stabbed in the heart with a flick knife by his friend on a tree-lined street in leafy Hale Barns, an upmarket village in Cheshire in March.The jury heard that the death was an “accident waiting to happen” after they indulged in “idiotic fantasies”.The young victim had won a scholarship to prestigious £12,000-a-year Manchester Grammar School.But he and his friends, Boy A and another teenager, Boy B, both aged 17 and on trial at Manchester Crown Court, had led “double lives”, the jury heard.Despite the privileged backgrounds of the defendants, both from wealthy Cheshire families, they spoke and acted like “middle-class gangsters”, the court heard. Neither defendants can be named because they are aged under 18.In his closing speech to the jury, Alastair Webster QC, defending Boy A, said the “silliness” shown in the social media videos shared by the boys showed the stabbing was an “accident waiting to happen”.He added: “Juvenile gangsters playing around with knives. What’s going on with a whole generation of children with the advantage of good families and good education? Want the best of The Telegraph direct to your email and WhatsApp? Sign up to our free twice-daily Front Page newsletter and new audio briefings. “They appear to have led double lives, living out idiotic fantasies. Talking in stupid jive talk. Idiotic, juvenile, pathetic, but not sinister – stupid.”Calling each other “Bro” and “Fam”, the defendants smoked cannabis, listened to rap or drill music and Boy A posted videos on social media posing with his “shanks” or knives.Boy A denies murder on March 2 and claims he acted in self-defence. Boy B, accused of lying to police after the stabbing, denies perverting the course of justice.Mr Webster added: “In my day, you went around with long hair calling everyone ‘Man.'”Now it seems everyone wants to play a New York City gangster. Middle-class gangsters.”Boy A has admitted telling lies to police at the scene and has pleaded guilty to perverting the course of justice, Boy B denies the same charge. Both have admitted possessing a flick knife but both deny a charge of conspiracy to commit robbery. The trial continues.
An analysis showed that the betting turnover for the tournament was an estimated 136 million Euro globallyFIFA and it’s service provider Sportradar found “no suspicious behavior” in betting houses around the world.In an article published by Keir Radnegde, the international federation there were no problems during the 2018 Russia World Cup.This means that an analysis by its partner found that the betting turnover was an estimated 136 million Euros.Fan dies after setting herself on fire protesting Iran’s ban on women spectators Manuel R. Medina – September 10, 2019 A young woman from Iran set, only publicly known as The Blue Girl for the color of her favorite club Esteghlal, has died from her injuries after protesting Iran’s ban on female fans.“Croatia had the highest average betting turnover per match, and in all likelihood, would have been a very profitable team for bookmakers globally,” a statement read.“Besides various measures taken by FIFA to prevent and address potential situations of risk associated with match manipulation prior and during the 2018 FIFA World Cup Russia, the competition was closely monitored for any instance of suspicious betting patterns around matches,” the football federation said.According to the report, no games during the tournament were found to be suspicious of match manipulation or betting fraud.
A week-long convulsion in U.S. stocks induced by Britain’s vote to leave the European Union has left some on Wall Street feeling a little bit better thanks to stronger expectations of prolonged low interest rates. But since those questions will likely take years to answer, many U.S. investors are focusing on what they see as an immediate, virtual certainty – that the Federal Reserve will not raise interest rates anytime soon.”The Fed is the 800-pound gorilla, but it’s an 800-pound gorilla that’s been pushed back in its cage, and it’s not going anywhere,” said Ted Weisberg, a trader with Seaport Securities in New York. “I would have to think that the bias will continue to be on the positive side for the market.”Following the S&P 500’s sharp 6 percent drop and near-complete recovery since the referendum, the benchmark stock index is back in familiar territory, just short of record levels it has repeatedly failed to breach for over a year.The S&P gained 0.19 percent on Friday, bringing its gain over four days to 5 percent. [.N]Extreme currency volatility and global financial uncertainty created by Brexit have left most traders expecting a U.S. rate hike well into 2017 at the earliest, compared with late 2016 prior to the vote. Historically low interest rates have fuelled U.S. stock gains since the 2008 financial crisis and many investors fear that higher rates would imperil future gains.While U.S. investors monitor the slow unfolding of Brexit in Europe, the June U.S. employment report on July 8 will be an immediate focal point made more important by last month’s surprisingly anaemic jobs data.Even an unexpectedly robust June jobs report hinting at inflation would probably not be enough to lead to expectations of a rate hike anytime soon, strategists say. But another weak report could damage sentiment if it is interpreted as a sign that the U.S. economy is on shaky ground.”If there is another shock, people will identify that as a trend and there will be recession worries,” said Aaron Jett, vice president of Equity Research at Bel Air Investment Advisors. “Even if the jobs number is good, we still think the Fed can use Brexit as an excuse to not raise rates.”Investors will also begin to focus on U.S. corporate profits. Wells Fargo & Co (WFC.N), Citigroup (C.N) and JPMorgan Chase & Co (JPM.N) will be among the earliest U.S. heavyweights to post second-quarter results, all reporting in mid-July.With U.S. companies stuck in an earnings recession since last year due to slumping oil and a brawny dollar, analysts expect second-quarter results to fall 4 percent across the S&P 500, not quite as bad as the previous quarter’s 5 percent slump.S&P 500 aggregate earnings are expected in the third quarter to grow for the first time since 2015, although forecasts have slipped since the Brexit vote as investors fret about the effect of renewed dollar strength and potential economic stumbles in Europe, according to Thomson Reuters data.”If executives use Brexit as an excuse to take down earnings guidance by more than a couple of percentage points, then I think markets will be in for a pullback,” said John Canally, chief economic strategist for LPL Financial.
In this 30 August 2018 photo a young migrant from Africa talks to an old woman she is taking care of in Flen, some 100 km west of Stockholm, Sweden. Photo: APThose wondering why Swedish politics are set to lurch to the right in Sunday’s election need look no further than Ljusnarsberg, a tiny central county of dense pine forests and glistening lakes.Many inhabitants of this once-booming region are uneasy about asylum seekers after a large number arrived here in 2015. Some also feel that Sweden’s widely admired tax and welfare model has left them behind.Fears over globalisation’s effect on industrial jobs, the pressure of an ageing population and a failure to integrate minorities have boosted right-wing and anti-establishment parties from Italy and Germany to Britain and the United States.Polls indicating one in five voters in Sweden are likely to back a party with roots in the far-right fringe on 9 September show that even seemingly successful political systems are vulnerable.Several online surveys indicate the anti-immigration, anti-European Union Sweden Democrats could become the largest party, overtaking the Social Democrats, who have dominated politics for the last 100 years.They are likely to do particularly well in Ljusnarsberg where they won a quarter of the vote in 2014, double their national score.“I think people here want to see a change, they want society to be like it used to be,” said Mats Larsson, the Sweden Democrat’s top politician in Ljusnarsberg.Most people in the county live in Kopparberg, where the 17th century church, with its blood-red, wooden facade and spires, hints at the region’s rich past, built on copper and iron mines.For many years, the area was a heartland of the ruling Social Democrats. Its swing to the right highlights election themes of asylum and a split between poor rural or suburban areas home to immigrants and wealthy places like Stockholm.Ljusnarsberg’s mines have gone – the last closed in the mid-1970s. Unemployment at the end of last year was nearly 13 per cent, almost double the national level. Many live on sickness benefits, masking the figures of those relying on welfare.As jobs have disappeared, so have people. The population has roughly halved in the last 50 years and many services have been centralised to Orebro, an hour’s drive south of Kopparberg.In this 31 August 2018 photo young women listen to a party member of the right wing Sweden Democrats In Stockholm, Sweden. (AP Photo/Michael Probst)“The 1970s and 1980s were a fantastic time to grow up here in this county. Now everything is falling to pieces,” said Leif Danielsson, 53, a businessman in Kopparberg, the county’s only sizable town.“Houses are rotting, some places are overgrown with weeds. If you have any education or contacts, you leave.”While Kopparberg retained its health clinic, it has been unable to recruit permanent doctors, with temporary staff filling the gap.Decades of closures have left Kyrkbacks school in Kopparberg as the only school for 6-15 year-olds in the region. It has also had problems recruiting staff and was rated as one of Sweden’s worst by the teachers’ union, long before asylum numbers jumped.• Stretched Services -When Sweden took in 163,000 asylum seekers in 2015 as hundreds of thousands fled war in Syria and Afghanistan, Ljusnarsberg was assigned around 1,200, the highest concentration compared with its population.Many of the new arrivals were unaccompanied minors, and the influx stretched services to the limit.Anne-Marie Hagglund, assistant headteacher of Kyrkbacks school, said families just showed up with their migration papers. “They came back day after day until we could take in their children,” she said.All but 260 of the refugees have now gone – mostly assigned to other areas by the Migration Agency – yet the unease remains.Sitting in a cafe on the town green in Kopparberg, personal assistant Ulrika, 44, said that since the arrival of so many asylum seekers, women are afraid to walk the streets at night.“There are lots of robberies. I think a lot of it is to do with immigration,” she said, declining to give her surname.Police say the number of reported crimes fell in 2017 compared to the previous year, though they admit that many crimes go unreported. After cutbacks, the nearest police station is in Lindesberg, 40 km away.“Of course, we should help people,” said Staffan Myrman, 53, who works at the Kopparberg brewery, one of the two major employers in the Ljusnarsberg region.“But when 25-30 per cent of the population are refugees, we need to be able to cope with that and we can’t.”Sweden took in more asylum seekers than any other European country per capita in 2015. But while worries over immigration explain some of the Sweden Democrat’s gains, unease about economic and social change also plays a role.“It is a target to point your anger at,” said Ljusnarsberg Liberal party politician Hendrik Bijloo. “Of course there are racists voting for the Sweden Democrats, but they are not even close to a majority.”• Referendum On Welfare? -It is not just rural areas like Ljusnarsberg where the Sweden Democrats have thrived.A spate of gang killings and car-burnings have sharpened concerns that authorities are losing control in poorer city suburbs where immigrants make up the majority of the population.But welfare is also a big theme, despite that fact that Sweden is one of Europe’s richest countries, with strong growth and low unemployment.“This election is a referendum on welfare or whether we have continued asylum immigration. I choose welfare,” Sweden Democrat leader Jimmie Akesson said in a televised election debate.The centre-left government and main opposition Moderate Party both plan to spend an extra 20 billion Swedish crowns ($2.19 billion) over the next four years.Despite those plans, and already higher spending, many Swedes believe the welfare system is in crisis.Sweden scores highly in the quality of healthcare – for example more Swedes are alive 30 days after a heart attack than in other European countries, according to a 2015 study.But a growing and ageing population means waiting lists for operations have grown and half of health centres have to cover doctor shortages with temporary staff, according to a report by the Swedish Agency for Health and Care Services Analysis.Since 2000, 16 per cent of maternity units have closed, a Swedish television report showed. Many women travel more than 100 km (62 miles) to give birth, while schools need to recruit around 77,000 teachers over the next five years.Inequality, measured by the Gini coefficient, has grown faster in recent years in Sweden than in any other industrialised nation, although the country remains among those where income is most evenly distributed.This partly explains why mainstream parties’ shift to tougher immigration policies after the 2015 crisis has failed to win back disillusioned voters.Many locals in Ljusnarsberg are resentful about what they see as preferential treatment for immigrants.“They get a better deal, all of them, at the dentist, with the doctor, they are first in the queue always,” said 65-year-old pensioner Torbjorn Lundgren. “That makes me angry.”Asylum seekers get subsidised welfare, housing and 71 crowns ($7.79) a day for food and other essentials, including healthcare. Healthcare costs are capped at 400 crowns over a 12 month period. For Swedish citizens the cap is 1,100 crowns.“It’s not the immigrants fault, it’s the politicians,” said pensioner Torbjorn Lundgren, who backs the Sweden Democrats.“I’m going to vote for them, then we’ll see if things change or not.”
On Monday, the team behind NgRx, a platform that provides reactive libraries for Angular, announced the release of NgRx 8. This release includes the NgRx Data package, creator functions, four run-time checks, mock selectors, and much more. Following are some of the updates in NgRx 8: NgRx Data integrated into the NgRx platform In this release, the team has integrated the angular-ngrx-data library by John Papa and Ward Bell directly into the NgRx platform as a first-party package. Using NgRx in your Angular applications properly requires a deeper understanding and a lot of boilerplate code. This package gives you a “gentle introduction” to NgRx without the boilerplate code and simplifies entity data management. Redesigned creator functions NgRx 8 comes with two new creator functions: createAction: Previously, while creating an action you had to create an action type, create a class, and lastly, create an action union. The new createAction function allows you to create actions in a less verbose way. createReducer: With this function, you will be able to create a reducer without a switch statement. It takes the initial state as the first parameter and any number of ‘on’ functions. Four new runtime checks To help developers better follow the NgRx core concepts and best practices, this release comes with four runtime checks. These are introduced to “shorten the feedback loop of easy-to-make mistakes when you’re starting to use NgRx, or even a well-seasoned developer might make.” The four runtime checks that have been added are: The strictStateImmutability check verifies whether a developer is trying to modify the state object. The strictActionImmutability check verifies that actions are not modified. The strictStateSerializability check verifies if the state is serializable. The strictActionSerializability check verifies if the action is serializable. All of these checks are opt-in and will be disabled automatically in production builds. Mock selectors for isolated unit testing NgRx 7 came with MockStore, a simpler way to condition NgRx state in unit tests. But, it does not allow isolated unit testing on its own. NgRx 8 combines mock selectors and MockStore to make this possible. You can use these mock selectors by importing @ngrx/store/testing. To know more in detail, check out the official announcement on Medium. Read Next ng-conf 2018 highlights, the popular angular conference Angular 8.0 releases with major updates to framework, Angular Material, and the CLI 5 useful Visual Studio Code extensions for Angular developers
As the industry braces for TILA-RESPA Integrated Disclosure rule (TRID) to finally be implemented, mortgage bankers must put a plan in place to manage vendor liability and risk within the context of the new rule.Several aspects of TILA-RESPA will be left open to interpretation. While a variety of interpretations are acceptable, banks need to make sure they fully understand every individual vendor’s appetite for risk to ensure alignment. There may be variation from one vendor to the next, so banks must be proactive in learning how their vendor interprets various sections of the rule, and how they put those interpretations into the functionality. For instance, will they take a conservative approach or design the software to work in various ways based on the lender’s policies and legal counsel. It is important for lenders to make sure their interpretations and appetite for risk are aligned with each specific vendor.Following are three key areas affected by unintended consequences, and suggestions on how banks manage them successfully.The Problem Areas:Loan estimate disclosures: The objective of this rule is to simplify direct comparisons, but while the guidelines are extremely prescriptive in some areas, there is still room for varying valid interpretations so anticipate discrepancies. Vendors may choose different methods to disclose lender or seller paid fees in particular. Lenders should be making sure they understand the nuances and are comfortable with the functionality delivered by their software vendors. Make sure you know not only what the vendor is doing, but why. in Commentary, Daily Dose, Featured, Government Loan Estimate mortgage bankers Product Offering Risk TILA-RESPA Integrated Disclosure Rule Vendor Liability 2015-07-20 Staff Writer July 20, 2015 530 Views Managing the Unintended Consequences of TRID Product offering changes: Another consequence of the roll out of TILA-RESPA are changes in product offerings. We are already seeing some investors and aggregators announcing that they will no longer purchase certain products due to uncertainty regarding how to disclose these products. Lenders need to make sure that their loan origination software (LOS) continues to support their product line.How to Avoid Falling Victim to Unintended TILA-RESPA consequences:There are two fundamental ways banks can steer clear of problems associated with the above challenges:Making sure your vendors define risk the same as you do. After all, you don’t want your vendors making decisions on your behalf when it comes to risk appetite!Understanding exactly how your LOS operates to make sure it can support all of the products you need, and can be appropriately flexible when changes are made.When it comes to resetting tolerances after a Closing Disclosure is issued, don’t assume that everything is automated in the LOS or that your vendor’s interpretation is the same as yours. It is crucial that mortgage bankers have detailed knowledge of what the system will do automatically and where it will require user input. Understanding exactly how this works is important in the event there is a valid change right before closing that causes a delay. The mechanism to reset tolerances with a Closing Disclosure is complicated and still being interpreted in differing ways. One thing everyone agrees on is that if closing is delayed more than a few days tolerances can not be reset so banks need to work with vendors to make sure they aren’t left to unknowingly absorb the costs associated with a delay, or start over, both of which will cut into already tight origination margins.Banks also need to diligently study “liability after foreclosure” laws that vary from one state to the next and detail how the consumer will be protected in the event of a foreclosure. Getting a legal opinion in each state is not an insignificant cost, but originating banks need to think of it as an important investment avoiding future liability and problems.TILA-RESPA is injecting new complexity into the business of mortgage origination, but by knowing where the potential pitfalls are and understanding where to be proactive, banks can avoid costly mistakes and stay on the right side of the new regulations. Click here to learn more about Altisource’s Mortgage Builder Software. Closing process: This is a seemingly small yet very important item. There is discrepancy within the rule regarding the disclosure of lender credits in the Borrower’s Transaction Summary. This is a known issue that the CFPB is expected to reconcile at some point, but in the meantime vendors have had to make a decision on how to move forward so that lenders can test and train their users. Vendors may use varying approaches to determine how to get the numbers to balance in this section so maintaining an open dialogue with vendors will be critical. Share
The post Tourism Marketing Heads agree on way forward for the Pacific appeared first on Discover the South Pacific.Source: Blog For further information, please contact: Alisi LutuMarketing Manager – SPTOT: +679 3304177E: firstname.lastname@example.org Regional Marketing Managers and Executives from 17 Pacific Island countries gathered in Apia, Samoa in the beginning of the week for the South Pacific Tourism Organisation (SPTO) Regional Marketing meeting 2018, preceding the SPTO Board and Council of Tourism Ministers Meeting at the end of the week.Organised by SPTO and now in its 6th year, the objective is for SPTO to collaboratively strategize promotional opportunities with Marketing Managers of its member countries and agree on the way forward for the region by reviewing the SPTO Regional Marketing Plan 2019.“The SPTO Marketing Plan 2019 we’ve reviewed with the Pacific Tourism Marketing Managers emphasizes three key Marketing priorities in the area of Business to Business (B2B), Business to Consumer (B2C) specifically focusing digital transformation and Capacity building initiatives to enhance SPTO’s promotional reach and support of its member countries’ priority marketing needs,” said Chris Cocker, CEO, SPTO. The Regional Marketing meeting this year also saw presentations by key guest speakers from Trip Advisor, School of Hospitality & Tourism – Auckland University of Technology (AUT), the South Pacific Sailing Network (SPSN) and Miles Partnership presenting on opportunities and ways to enhance SPTO and its member countries’ in maximizing its Marketing strategies and objectives.Items on the agenda included an overview of SPTO’s Marketing activities, a recap on positives and challenges of SPTO’s 2018 Marketing activities, SPTO’s proposed 2019 Marketing Plan, Overview of the 2018 Trip Advisor South Pacific Islands Market data and Insights, a presentation on experiences of sexual harassment by customers in the Cook Islands hospitality industry by Lisa Sadaraka of AUT University, a coordinated and regional promotion of South Pacific sailing by the South Pacific Sailing Network (SPSN), and Google’s DMO Partnership Programme by Miles Partnership.The SPTO Regional Marketing Plan 2019 was approved by the Marketing Managers, before it was tabled and endorsed by the SPTO Board the following day.The Regional Marketing Managers meeting was held at the Sheraton Samoa Aggie Grey’s Hotel & Bungalows in Apia on Tuesday, 2nd of October 2018. Su’a Hesed IeremiaMedia Officer – STAT: +685 724-7865E: email@example.com
“Mothers are like the OL: they do all the dirty work, never get enough credit for the job they do, and you won’t have success w/out them”— Millikin Football (@MU_BigBlueFB) May 15, 2017 — Baylor Football (@BUFootball) May 14, 2017However, in my estimation, the best tweet of Mother’s Day weekend has to belong to Millikin University (D-III – IL) and Waxahachie HS (TX) head coach Aaron Woods.Over the weekend, the two (led by Woods, but I happened to see it from Millikin later on) hit a home run explaining how Mothers are like the offensive line.Waxahachie IndiansMoms are like o-lineman: do all of the dirty work, rarely get recognized for the great work they do & we have 0 chance of success w/o them.— Aaron Woods (@CoachWoody50) May 14, 2017 AD Quality Auto 360p 720p 1080p Sponsored By Connatix College and high school programs around the country put together some outstanding tributes to mom’s for Mother’s Day. For example, last week we highlighted Shiloh Christian HS (AR) asking players why they love their mothers, and Baylor had players hand-write letters to their moms.This year, we wrote home. Dear Moms…Happy #MothersDay. #SicEm pic.twitter.com/cFaemc72x8
NewerAvani Hotels signs two new properties in Krabi, Thailand OlderTribute Portfolio arrives in Indonesia with opening of Natra Bintan Vail Resorts has entered into a merger agreement to acquire 100 per cent of the outstanding stock of Peak Resorts.At a purchase price of $11 per share, the deal is valued at roughly $264 million.The purchase remains subject to certain conditions, including regulatory review and Peak Resorts’ shareholder approval. “We are incredibly excited to have the opportunity to add such a powerful network of ski areas to our company,” said Rob Katz, chairman and chief executive officer of Vail Resorts. “Peak Resorts’ ski areas in the north-east are a perfect complement to our existing resorts and together will provide a very compelling offering to our guests in New York and Boston. ADVERTISEMENT“With this acquisition, we are also able to make a much stronger connection to guests in critical cities in the mid-Atlantic and Midwest and build on the success we have already seen with our strategy in Chicago, Minneapolis and Detroit.”The deal includes Mount Snow in Vermont; Hunter Mountain in New York; and Attitash Mountain Resort, Wildcat Mountain and Crotched Mountain in New Hampshire. Also on the table are Liberty Mountain Resort, Roundtop Mountain Resort, Whitetail Resort, Jack Frost and Big Boulder in Pennsylvania; Alpine Valley, Boston Mills, Brandywine and Mad River Mountain in Ohio; Hidden Valley and Snow Creek in Missouri; and Paoli Peaks in Indiana. “Vail Resorts has a proven track record of celebrating the unique identity of its resorts, while continually investing in the guest and employee experience. “For this reason, we are confident that our resorts and employees will continue to thrive within the Vail Resorts network,” said Timothy Boyd, president and chief executive officer of Peak Resorts.“We are very proud of our track record over the last two decades in building the breadth, quality and accessibility of our resorts.”Vail Resorts is a leading global mountain resort operator, running 17 world-class mountain resorts and three urban ski areas.
The many chairs in the amphitheater were washed and dried. July 11, 2011This years ITALIAN NIGHT took place this past Saturday evening, a beautiful event, well organized and enjoyable for crew and visitors alike.Here we see the crew at the organization meeting with Tomiaki Tamura, who has choreographed this event in years past. Many tables and chairs were set up for dinner in the Vaults and were washed and dried. The crew signed up for different teams, this team, amongst other chores, prepared the hors devours and sliced bread. Chef Caterina put together the menu, and with her crew of volunteers presented an outstanding meal, delicious!! This team, again amongst many other chores, wrapped silverware into napkins.There will be more about this event posted on 7/13 and 7/15/11.
An 1829 Greek Orthodox icon of St. George, looted from the village of Karavas, in Cyprus following the 1974 Turkish invasion, is set to be repatriated, after it was confiscated by the Swiss authorities.The icon was confiscated only hours before going to auction in Koller, an auction house in Zurich. The legal process was completed in less than a year, following close cooperation between the Church of Cyprus, Cypriot and Swiss authorities.The icon is now in Cypriot hands in Switzerland and will be repatriated by a Church of Cyprus representative.The icon was housed in the church of St George, in Karavas until the 1974 Turkish invasion. The present owner was not aware that the icon was stolen and accepted to return it to the Cypriot authorities after he learned about its provenance. There are no details about the nationality of the owner or the way he came into possession of the icon.Legal procedures to return the icon started after a complaint lodged by the Church of Cyprus. The Church cooperated with the ministry of justice, police, the embassy of the Republic of Cyprus in Italy and the Swiss authorities.CNA learned from the embassy of Cyprus in Rome that Bishop Porphyrios of Neapolis sent a letter in August 2017, informing the chief of the Cyprus police about the auctioning on September 22. The Cyprus police then informed Interpol, asking for the icon to be withdrawn.This was made possible only hours before the icon went to auction, with the Swiss authorities asking later for more details from their Cypriot counterparts. A detailed report was submitted to attest the icon’s Cypriot provenance and the fact that it is a protected artefact. Subsequently, the office of the Swiss prosecutor took over the case. The icon was returned earlier this month and is awaiting repatriation.It portrays St George killing the dragon and is surrounded by 16 smaller images depicting scenes from the Saint’s miracles and his martyrdom.You May LikeOpoopa10 Best Foods That Fights Cancer & Will Keep You Healthy! | opoopa.comOpoopaUndoPets10 Famous Medium Sized Dog BreedsPetsUndoeHarmonyAttention Seniors: Trying To Find Local Seniors In Your Area?eHarmonyUndo Greek Prime Minister in Cyprus for official visitUndoCypriot ambassadors gather in Nicosia for annual briefingUndoIran’s Revolutionary Guards publish purported exchange with British warshipUndoby Taboolaby Taboola
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The seven different cases pending before the court were not mentioned in a list of new cases the court agreed to hear on Thursday ahead of its new term,” says psychoacoustician Brian Moore at the University of Cambridge in the United Kingdom. So far there have been slightly more than 20 cases of Zika virus from sexual transmission in the United States." Kelsch said. millions displaced and large tracts of the country littered with land mines. According to the Air India inquiry, I wont say that it would never happen in the future, I started firing my flare gun to alert the security agencies to know where I was. Jorge Torres Noah Charles,"Most of her clothes are from Maurices.
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NJ at NYI ($37): Kinkaid’s had a rough go of it lately. I certainly couldn’t say that. Sen. illegal. likely come into play as well, airing in the peak prime-time hour after a "Man From Hope"-style video dictating Trumps self-styled history as a self-made man and after a testimonial from daughter Ivanka,“The world should thank Pakistan for its contribution to eliminating terrorism" he was quoted as saying by Dawn He would go on to highlight how the country’s army had made sacrifices to keep terrorists at bay Pakistan has repeatedly attempted to show the world that it has waged a massive war and one that has come at a tremendous cost There is no explanation though about why it continues to arm and train terrorists targeting India why US-designated terrorist Hafiz Saeed is allowed to open a political front or why the Haqqani Network continues to exist despite the US repeatedly warning Islamabd to crackdown on home-grown terrorists Even northern neighbours Afghanistan have cited time and again that Pakistan harbours terrorists that wish to unleash chaos in the region There is also a constant fear that the country’s nuclear installations can fall to terrorists For now despite Ghafor’sopinion on a pending word of thanks no gratitude from the world is expectedThe Ukrainian government in Kiev started peace talks on Wednesday but did not invite the pro-Russia separatists who spearheaded a vote to defect from the country on Sunday Amid renewed tensions Kiev had agreed yesterday to start a dialogue over a solution to the crisis that has left dozens dead in the east of the country the Associated Press reports But as the talks debuted today it became clear the government deliberately declined to invite the separatists This omission leaves many observers wondering what those talks will be able to achieve The talks come one day after the deaths of between 6 and 8 Ukrainian soldiers according to various media reports in the east of the country on Tuesday The soldiers were ambushed by about 30 heavily armed rebels near the town of Kramatorsk according to the Ukrainian defense minister Reports say it is the most serious loss of life for the government since the start of its operation against separatists The talks on decentralizing power are part of a peace plan drafted by the Organization for Security and Cooperation in Europe Ukraine’s interim President Oleksandr Turchynov said the government was ready for a dialogue but that it would not do so with militant separatists who took over government buildings and fought troops loyal to Kiev The rebels deemed the talks meaningless “If the authorities in Kiev want a dialogue they must come here” Denis Pushilin an insurgent leader in Donetsk said “If we go to Kiev they will arrest us” Despite the absence of the separatists the talks were applauded by many European officials [AP] Contact us at editors@timecomThe Minnesota State Patrol is reconstructing the accident and an investigation is under way regarding why the northbound vehicle crossed the centerline.edu. but they also try to infer the causality that connects them. they had shaved the increase down to 2.
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