Shaneen Robinson- Desjarlais APTN National NewsJess Mentuck had nowhere to go and found herself on the streets of Winnipeg.Going from shelter to shelter after a fire in her apartment complex a few months ago.Then Mentuck finally caught a break – at a drop-in centre.
Holly MooreAPTN InvestigatesA driver’s license belonging to missing woman Ashley Simpson has been found in the tank of a vacuum septic truck at a Northern British Columbia lodge more than two years after she disappeared.“It was pretty shocking,” said her father John Simpson. “It is such a weird piece of the puzzle.”Simpson’s case was one of four missing women in the Okanagan Valley featured in the APTN Investigates episode Dark ValleyCpl. Dan Moskaluk of the BC RCMP confirmed that Simpson’s license was found.“Police are aware that Ashley Simpson’s ID was located at the Sasquatch Crossing Lodge, an area in Pink Mountain that Ashley was linked to prior to her relocation to North Okanagan,” said Moskaluk.Pink Mountain is 1,252 kms north of Enderby, B.C. where Simpson was last seen.Police are supposed to be coming to pick up the driver’s license.“I have the license in an envelope in front of me right now waiting for it to be picked up,” John Simpson said from his home in Ontario.A photo of the license which expired in 2017 was sent to John Simpson’s wife Cindy Simpson on Facebook by the owner of the Sasquatch Crossing Lodge Oct. 9. The license arrived in the mail shortly after.“We aren’t sure what to think of it or what to do about it,” said John Simpson. “We do know she was working up there.”Father recalls she may have lost her ID.Her father recalled Simpson saying that her wallet and ID went missing for a while. He said his daughter worked at the lodge for three years before moving to Enderby, B.C. with her boyfriend Derek Favell.“We aren’t sure if she got it back or if someone just decided ‘Oh I still have this license’ and tossed it somewhere,” he said, “The biggest thing with that is if it was someone in Pink Mountain, why wouldn’t they put it in the garbage and burn it? All the garbage is burned there.”The license was found in the tank of a truck that was used by the lodge. The trucks vacuum sewage out of trailers on the property.“Why wasn’t it soiled if it was in there for any length of time?” said John Simpson, adding the license was relatively clean for being inside of sewage waste.John Simpson travels to the Okanagan Valley to search for his daughter every year.He said he was told that the RCMP near Fort St. John looked into the discovery though he hasn’t heard anything about their findings.“We haven’t heard anything back,” he said. “All I know is that they said to keep the license in the envelope.”John Simpson said it is hard to know what happened and how the ID ended up in the truck tank.“It is very agonizing,” he said. “We are still hoping that sooner or later, someone is going to have remorse and tell us what happened to her.”Women and girls have been going missing from the Splatsin Nation for decades. If you have any information about these or any historical cases, Email us at firstname.lastname@example.org@aptn.ca@hollymoorenews
Dennis WardAPTN NewsClarence Iron had called many hockey games on the radio – but what happened on Sunday, during the NHL game between Montreal Canadiens and Carolina Hurricanes, amazed him.Iron made history by being the first play by play announcer to call a game on national television in Plains Cree.“It happened – my dream came true but to call it in Cree. I thought I would call it in English because I’ve called a lot of English hockey games before but to do the Cree, even myself, sometimes I amaze myself,” he says with a laugh.APTN and Sportsnet, the official broadcaster of NHL hockey in North America, teamed up for the historic game – a milestone in Canadian television history.Iron has long been recognized as one of the Cree voices of hockey.He’s hoping this historic moment opens the doors for the next generation too.So does studio host Earl Wood who was beaming with excitement throughout the game.“I want to invite all those young people out there no matter where you are to take it upon yourself to gain an interest in our language and to utilize it,” Wood told APTN News. It has a place in this modern day society and can take you anywhere you want to go.“Anywhere you want to go, your language will take you there.”Shtatahaa Carey Price ngii ngaabinaan mwebigaanhsan! #APTN #aptnhockey @APTN @APTNNews @APTNInFocus https://t.co/xHXn2i1iKP— Dominic H K Beaudry (@DhkBeau) March 25, 2019The game was pure entertainment on and off the ice.The Hurricanes played the spoilers for Canadiens fans in a 2-1 overtime win.In a game with playoff implicationsEven if you didn’t understand a word, you could feel the excitement in the call.“That was exciting tonight,” says Joel Darling, executive producer of special events at Sportsnet. “It really was and to see some of the tweets that were being put out on social media was pretty exciting to and hear you guys call it the way you did, it was entertaining and really fun to listen to.”While some may have tuned in initially for the novelty, many stuck around because it was so exciting to watch.An important game for Indigenous and non-Indigenous peoples says Jason Chamakese, a Cree language guest on the broadcast.“The only thing that I can think of right now is wow. To be part of something that amazing, to have our languages broadcast to living rooms all across Canada and to have people who don’t understand the language hear how beautiful our Cree language sounds. It’s amazing to be a part of.”Chamakese hopes the airing of this game is about more than just hockey.“I think we want everybody to get along and to care about one another because I see a disconnect and through something like this our hope is that we build these bridges between people,” he says. “That’s what I’m hoping for that this will lead to something good, something positive (in cree) which is sharing the land in a good way.”Studio analyst and former NHL player John Chabot says this can’t just be a one off.“The NHL has done a job of reaching out to our new Canadians but they’ve really never reached out to our pre-Canadians and this was something that was a long time coming,” he says.And it may not be a one off.Talks are underway in the hopes of airing more games next season on APTN in different Indigenous languages.At the moment, hockey is broadcast in English, French and Punjabi.email@example.com@DennisWardNews
Cher sues financial firm, claiming $800,000 in losses by The Associated Press Posted Jun 8, 2016 1:03 pm MDT Last Updated Jun 8, 2016 at 4:25 pm MDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email FILE – In this May 4, 2015 file photo, Cher arrives at the Metropolitan Museum of Art’s Costume Institute benefit gala in New York. Cher has sued a financial management firm she claims defrauded her out of more than $800,000 in investments that went belly-up. The suit was filed Wednesday, June 8, 2016 in Los Angeles County Superior Court on behalf of Veritas Trust, of which the singer is the sole trustee. (Photo by Charles Sykes/Invision/AP, File) LOS ANGELES, Calif. – Cher has sued a financial management partnership she claims defrauded her out of more than $800,000 in investments that went belly-up.The suit was filed Wednesday in Los Angeles County Superior Court on behalf of Veritas Trust, of which the singer is the sole trustee.It targets SAIL Venture Partners and related firms and accuses them of bundling Cher’s money into “risky and unsound” investments. The lawsuit alleges SAIL’s principals engaged in “malicious and fraudulent” behaviour.Messages seeking comment from SAIL officials weren’t immediately returned Wednesday.The suit seeks financial restitution and punitive damages but didn’t specify amounts.Cher, whose performing career stretches back to the mid-1960s, last toured as a singer in 2014.
The warning comes as many countries worldwide have experienced large measles outbreaks in the past year, threatening efforts to achieve the global target of eliminating measles in three regions by the end of this year.“It is critical that the global community now makes a collective and cohesive effort to put progress towards our six targets back on track,” Dr. Flavia Bustreo, WHO Assistant Director-General, Family, Women’s and Children’s Health said just ahead of World Immunization Week, which runs from 24 to 30 April. World Immunization Week creates a focused global platform to reinvigorate our collective efforts to ensure vaccination for every child, whoever they are and wherever they live,” the WHO doctor was quoted as saying in a press release issued today in Geneva, where the UN health agency is headquartered.WHO noted that nearly 22 million infants in 2013 missed out on the required three doses of diphtheria-tetanus-pertussis-containing vaccines (DTP3), many of them living in the world’s poorest countries, and called “for an end to the unnecessary disability and death caused by failure to vaccinate.”All 194 WHO member States at the World Health Assembly endorsed in 2012 the Global Vaccine Action Plan, a commitment to ensure that no one misses out on vital immunization, but a new independent assessment report on progress rings an alarm bell, warning that vaccines are not being delivered equitably or reliably.“Only one of the six key vaccination targets for 2015 is currently on track,” WHO said.The Plan recommends three key steps for closing the immunization gap: integrating immunization with other health services, such as post-natal care for mothers and babies; strengthening health systems so that vaccines continue to be given even in times of crisis; and ensuring that everyone can access vaccines and afford to pay for them.Dr. Jean-Marie Okwo-Belé, WHO Director of Immunization, Vaccines and Biologicals, pledged the Organization will work to increase its support to all countries that are lagging behind in meeting immunization targets. Next month, WHO will bring together high-level representatives of 34 countries with routine vaccination coverage of less than 80 per cent to discuss the challenges faced by countries and to explore solutions to overcome them.“Although progress has stalled in recent years, this early success demonstrates the potential of vaccines, which are increasingly being extended from children to adolescents and adults, providing protection against diseases such as influenza, meningitis and cervical and liver cancers,” WHO said in its release.A global collaborative drive for immunization begun in the mid-1970s achieved dramatic results, raising vaccination levels from as low as 5 per cent to more than 80 per cent in many countries by 2013, resulting in immunizations preventing between 2 and 3 million deaths annually, according to WHO.The Global Vaccine Action Plan envisions a world where everyone lives life free from vaccine preventable diseases by 2020. It had set six targets for 2015:Immunization against diphtheria, tetanus and whooping cough (DTP3)Target: 90% immunization coverage against diphtheria, tetanus and whooping cough by 2015.Gap: 65 countriesIntroduction of under-utilized vaccinesTarget: At least 90 low or middle income countries to have introduced one or more under-utilized vaccines by 2015.ON TRACKPolio eradication Target: No new cases after 2014Gap: 3 countries remain polio endemicMaternal and neonatal tetanus: Global elimination by end-2015Target: Eliminate maternal and neonatal tetanusGap: 24 countriesMeasles eliminationTarget: Eliminate from three WHO regions by end-2015Gap: 16% of all children are not being immunized against measlesRubella elimination Target: Eliminate rubella from two WHO regions by end-2015Gap: Half of all children do not receive the rubella vaccine
Israel took over the Golan region, on its northern border with Syria, following the 1967 war, and annexed the area in 1981, which the Security Council declared an illegal act.The French deputy ambassador, Anne Guegen, told the meeting on Wednesday evening in New York that the European Union had affirmed earlier in the day that its Member States did not recognize Israel’s sovereignty, and that any efforts to override Council resolutions over the land, were “doomed to failure”.It is critical that the parties at all times respect the Disengagement of Forces Agreement to maintain stability on the Golan – UN Peacekeeping chief, Jean Pierre LacroixHowever, the representative for the US, Rodney Hunter, assured the Council that the US decision on the Golan, would not impact the safety or deployment of the UN peacekeeping force deployed to the Golan, known as UNDOF, which monitors the ceasefire between Israel and Syria.He said UNDOF “continues to have a vital role to play in preserving stability…most importantly by ensuring that the Area of Separation is a buffer zone free from any military presence or activities”. The diplomat noted that the Council should not accept any Syrian efforts to enter the separation zone. UN Photo/Eskinder DebebeUN Peacekeeping chief, Jean-Pierre Lacroix, briefing the Security Council on the situation in the Middle East.UN Peacekeeping Operations chief, Jean Pierre Lacroix, told the meeting that the ceasefire monitored by UNDOF had held, despite numerous violations: “It is critical that the parties at all times respect the Disengagement of Forces Agreement to maintain stability on the Golan”, he said. “The importance of the parties maintaining their liaison with UNDOF in the first instance cannot be over-emphasized”, he continued. “We count on Members of the Security Council to support efforts to sensitize both parties and regional stakeholders to the risks of escalation, and the need to preserve the long-standing ceasefire between Israel and Syria.”The UN’s head of Political and Peacebuilding Affairs, Rosemary DiCarlo, reiterated the view of the Secretary-General António Guterres, expressed earlier this week, that “the status of the Golan has not changed” in the light of the US decision. “We hope that the recent developments will not be used as an excuse by anyone to pursue actions that could undermine the relative stability of the situation on Golan and beyond”, said Ms. DiCarlo. “We will continue to closely monitor developments on the ground and will keep the Council informed, as appropriate.”For further coverage, including statements made on behalf of Israel, Syria and others, please visit our full UN Meetings Coverage report, here.
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. An asylum seeker labelled a “serial offender” by a judge has been released from immigration detention after Home Office deportation attempts foundered.Detail of the 31-year-old man’s case has emerged in a ruling by Judge Martin McKenna following a High Court trial in London.The man, who has a history of mental health problems and was not named in the ruling, claimed that he had been unlawfully detained and wanted compensation from the Home Office.Judge McKenna dismissed the compensation claim but told how the man had arrived in the UK in 2003 and had been convicted of 17 offences over a seven-year period.The judge described the man as a “serial offender” – listing convictions for attempted robbery, criminal damage, drug crime and shoplifting – and said he had been assessed as “posing a high risk of harm to the public”.But the judge said the man had been released late in 2015 – after being held in immigration detention for more than 10 months – following fruitless deportation bids.Judge McKenna said the man, who had been born in a refugee camp in southern Algeria, claimed that he was “stateless”.He said Home Office staff had approached authorities in different parts of Africa – in a bid to deport – but officials had refused to provide travel documents to the man.”The claimant entered the United Kingdom in 2003. He claimed asylum in June 2003,” said the judge in his ruling.”In 2005 the claimant began to develop a mental health disorder. He has been treated as an inpatient in hospital since that time both on a voluntary and involuntary basis under mental health legislation.”He has had periods when he has been drinking heavily and periods when he has been street homeless. He has had periods when he has been suicidal and periods when he has self-harmed. He has been prescribed medication for his mental health condition.”Judge McKenna added: “The claimant is a serial offender. Between April 7 2005 and September 10 2012 he acquired 14 convictions for 17 separate offences including attempted robbery, criminal damage, drugs and numerous convictions for shoplifting.”He was assessed as posing a high risk of harm to the public.”Judge McKenna said the man had subsequently been detained under immigration legislation pending deportation.The man had claimed that he had been unlawfully detained between January and November 2015.Home Office officials disputed his claim.They said he had been a “serial absconder” and had committed “numerous criminal offences”.Staff said he had been held at a time where there had been a prospect of deportation – and they said reasonable deportation steps had been taken.Judge McKenna ruled in favour of the Home Office and dismissed the man’s claim for “unlawful detention”.
The intruders later left of their “own accord” and did not interrupt any broadcasts, the BBC said. A spokesman added: “We take security very seriously and are urgently investigating how several individuals were able to gain access to a studio.”No one was hurt and there was no interruption to broadcasts. We have already taken further security measures and will take any other necessary steps.” We take security very seriously and are urgently investigatingBBC spokesman The BBC has ordered an urgent investigation after several intruders got into Broadcasting House on Friday night. The group of five is alleged to have gained unauthorised access to a studio during a live broadcast around 7.30pm. A video, allegedly showing the group behind the stunt, has since circulated on social media. The 40-second clip shows a young man boasting: “Guys, right now, we are in the BBC headquarters and we are going to try and run on live television.” The camera pans around the inside of the BBC building, where rows of empty computer desks can be seen. He is later seen walking outside and saying: “Guys, literally yeah, I ran on the set of BBC News and it is crazy.” The group, who also appear in the video to gain entry to the set of the One Show, where Ed Sheeran was performing, promise a full video will be made available on Sunday night. 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. It’s out ! Bloody hell that feels good to say. Tune into Chris Evans this morning on radio 2, doing a session, then the one show later x— Ed Sheeran (@edsheeran) March 3, 2017
PGE Vive KielcePSG HandballVIVEKINGS ← Previous Story WHP 2017: PSG Handball and RK Vardar stars with the most nominations! Next Story → PSG WEAK WITHOUT NIKOLA: Aix beat champions, HBC Nantes count until 45! Sunday (19:00), November 26, another handball spectacle in Polish city of Kielce. The former EHF Champions League winners PGE Vive Kielce, who are struggling to come back in the winning form last 18 months, although, looking powerful in front of home fans at Legionow Hall.Once again, hall in Kielce will be small (4.200 seats) for all those fans who would like to watch a real handball derby. The French Paris Saint Germain are coming after two great successes over Telekom Veszprem.Will they survive Polish experience? VIVEKINGS are ready…
Stay on target ‘Death Saves’ D&D Streetwear: Interview With Designer D…Wesley Snipes Says ‘It’s All Good’ With Marvel Studios’ ‘Blade’ Reboot Film Riverdale left fans with a jaw-dropping Season 3 finale, which implied something terrible was going to happen to Jughead (Cole Sprouse) in the drama’s next chapter.At San Diego Comic-Con, Riverdale’s stars revealed a key update on Season 4: strange “flashbacks” that might show what’s to come for the squad, Entertainment Weekly reported.Lots of excitement for the cast of #Riverdale in Hall H! #SDCC pic.twitter.com/ZQc8QCAaZg— Entertainment Tonight (@etnow) July 21, 2019“Season 4 is definitely senior year, high school focused, more about the relationships and those dynamics and obviously the mystery of what we saw at the end of Season 3,” Camila Mendes, who plays Veronica on the show, told Entertainment Weekly in an SDCC interview. “We’re going to be coming back to that, having little flashes throughout to gather more information. Each flashback will tell us a little more.”Maybe Jughead won’t be having the best of luck for Season 4, however, fans might also wonder what will happen to Archie (KJ Apa), Betty (Lili Reinhart) and Veronica, and how they’re connected to the bigger picture. Reinhart added, “There’s always like 12 mysteries going on.”The Riverdale stars said Season 4 has some interesting reveals ahead, including football, Archie’s real name, and apparently more screen time for Chad Michael Murray. Plus, there will be a very important tribute to Luke Perry, who played Archie’s father Fred Andrews on the show and sadly passed away in March, SYFY Wire noted.In addition to Season 4 updates, Riverdale’s cast showed a hilarious blooper reel at SDCC 2019, which you can watch below.More on Geek.com:SDCC 2019: All of Marvel Studio’s Major Movie Announcements Top Movie and TV Trailers to Watch From SDCC 2019SDCC 2019: Marvel’s ‘Dawn of X’ Comics Unveil Future of X-Men
Argentina general manager Jorge Burruchaga is hopeful that the national team haven’t seen the last of Lionel MessiThe Barcelona forward absence’s for Argentina continues after his name again failed to show in Lionel Scaloni’s squad list for the international break.It means that Messi has now not represented Argentina since June 30, where they went crashing out of the World Cup in the last-16 stage to eventual winners France.While Messi himself has remained silent on his Argentina future, Burruchaga expects him back for next year’s Copa America in Brazil.“No date is scheduled right now for the return of Messi and he will not be back before the end of the year,” Burruchaga told Goal.Match Preview: Barcelona vs Valencia Boro Tanchev – September 14, 2019 Is derby time in La Liga, as Barcelona welcomes Valencia to the Camp Nou Stadium tonight at 21:00 (CET).“But it’s impossible that he will not be in the national team again. This is transitory.“I’m sure that next year, he will be in the Argentina national team again.”Messi has scored a record 65 goals and added 42 assists in 128 matches for Argentina.La Albiceleste will play Mexico on Saturday in Cordoba before facing Mexico four days later.
The 14th Dubai Airshow opened on Sunday (8 November), attracting in excess of 1,100 exhibitors from more than 60 countries and regions worldwide. Seven fighter jets from the United Arab Emirates Air Force (UAEAF) put on a flying display to kick off the biennial show held at the Dubai World Centrals airport.Major aircraft makers Airbus and Boeing are in attendance with about one third of the exhibitors coming from the Middle East region. More than 160 military and civil aeroplanes will be on display throughout the five-day event while the airshow will also feature a 3D print pavilion and an exhibition by the newly formed UAE Space Agency.One of the highlights of the show will be the latest and newest aircraft showcased by Arab Gulf carriers. Experts say the Dubai Airshow plays an increasingly important role for the region to show off its fast-growing aviation industry, with the citys prime global location paramount to its popularity.I think its the geographic advantage exactly the same as the airlines have. It sits here in the middle of the world. It is the bridge between Asia and Africa, between Europe and Australasia. And so its there [that] the market in Dubai has grown, said Alan Peaford, editor-in-chief of the Arabian Aerospace magazine.The Dubai Airshow, first held in 1989, is considered to be the fastest-growing air show in the world. At the 2013 show, deals reached more than $20.6bn (Â£13.66bn) in total. This years event runs until 12 November and is expected to draw some 65,000 visitors from around the world. Close
Share Gabriel C. Pérez/KUTA federal court in San Antonio ruled on Wednesday that Texas lawmakers won’t need federal oversight when they redraw political maps in 2021.A U.S. district court has ruled Texas doesn’t need federal oversight of its 2021 redistricting efforts.Wednesday’s decision is part of a larger lawsuit from voters who challenged the state’s 2011 political maps. Courts have found officials intentionally discriminated against racial minorities when they drew those maps and ordered parts of the maps to be redrawn.Because the maps were redrawn in 2013, though, the U.S. District Court in San Antonio denied a request from plaintiffs to require the next round of redistricting in Texas to be supervised, or put under “preclearance.”“The Court concludes that ordering preclearance on the current record would be inappropriate,” the judges wrote, “given the recent guidance from the Supreme Court and the Fifth Circuit. It is time for this round of litigation to close.”The case was a test of a little-known provision in the Voting Rights Act, sweeping legislation passed during the civil rights movement. The provision could require any state, county or city found to have intentionally discriminated against voters to be put under federal preclearance. That means the jurisdiction would have to clear any political maps or voting or election laws with either the U.S. Department of Justice or a federal court.Although the court ultimately decided not to order preclearance, also known as a “bail-in,” judges said there were grounds for it.“The Court has found violations of the Fourteenth Amendment with regard to the 2011 plans, and concludes that these findings are sufficient to trigger bail-in as a potential remedy,” the ruling said.Plaintiffs had argued federal preclearance was necessary to prevent Texas lawmakers from enacting discriminatory maps in 2021.The court argued Texas still must follow the law.“Even without being subject to preclearance, Texas must still comply with the requirements of the Fourteenth Amendment and Section 2 of the VRA in the upcoming redistricting cycle, and undoubtedly its plans will be subject to judicial scrutiny,” the ruling said.Nina Perales, the vice president of litigation for MALDEF – part of the legal team representing the plaintiffs – said even though they weren’t successful in their request, they were able to reverse “many discriminatory boundaries in districts” in the 2011 maps.She said the legal challenge also put state lawmakers on notice ahead of 2021 redistricting.“[The] decision, even though it didn’t put Texas back under federal supervision for its redistricting, does sternly warn Texas that it cannot discriminate against minority voters or anybody else in its upcoming redistricting plans,” Perales said.This post has been updated.
Understanding the TRID Improvement Act TRID 2017-10-10 Brianna Gilpin October 10, 2017 698 Views in Daily Dose, Featured, Government, Headlines, News The TRID Improvement Act of 2017 was recently introduced by Congressman French Hill to modify disclosures as well as provide clarification and regulatory relief to consumers and financial institutions. To understand the Act more thoroughly, The MReport reached out to Richard Horn, former CFPB attorney who led the rule integrating the mortgage disclosures under the Truth in Lending Act and the Real Estate Settlement Procedures Act (TRID).According to Horn, if the bill passes, the amendment would require the forms to disclose the actual filed or promulgated premiums with the simultaneous issuance discount applied to the lender’s policy. But only the lender requires the purchase of the lender’s policy, not the owner’s policy. CFPB requires the TRID form to disclose the owner’s policy with the word “optional” next to it, to clarify for consumers that the lender does not require it.“In light of this optionality, the CFPB’s TRID rule requires lenders to disclose to consumers what it would cost to purchase only a lender’s policy as the cost of the lender’s policy, and how much extra it would cost the consumer to purchase an owner’s policy as the cost of the owner’s policy,” Horn said.To prevent surprises at the closing table, it is essential to make it clear to consumers how much they’re required to pay for title insurance if they don’t opt to purchase an owners policy. Horn said that this method of disclosure also has the effect of showing consumers that it would only cost a marginal amount more to buy an owner’s policy. However, TRID forms also disclose the same total for both premiums—the difference is how the total is split between the policies.“I know why the title insurance industry wants this legislation, and I sympathize with their desire for the TRID forms to show the actual premiums they’re required to charge under state law,” Horn said. “But there could be concerns about consumers complaining when the cost of the lender’s policy increases substantially after they decide not to purchase an owner’s policy.”Horn said that some title insurance companies could also prefer the current method of disclosure if consumers begin deciding not to purchase an owner’s policy because of the substantial price disclosed next to the word “optional.” Quoting a lower price can be helpful when wanting a consumer to purchase something, but a concern is that the legislation changes a method of disclosure of a substantial cost of a mortgage loan without conducting any government study of it would affect consumer understanding—the end goal of disclosures in the first place.“One thing I’ve learned from working on the design of the TRID disclosures is that it’s nearly impossible for a bunch of lawyers or industry professionals to know how actual consumers will interact with information on a disclosure,” Horn said. “Consumer testing on this issue would be useful.”However, that’s not to say Congress shouldn’t work on legislation on this issue. According to Horn, Congress could require the CFPB to study the effect further or address a technical problem with the CFPB’s method of disclosure when a seller pays for the owner’s policy.Horn hopes that if this legislation passes, the title insurance industry would stop giving consumers their own settlement statement in addition to the TRID forms, which adds to the paperwork at closing, causes consumer confusion from receiving duplicative disclosures, and causes lender and investor concerns about liability in the event of discrepancies between the two disclosures.“TRID’s method of disclosure of title insurance premiums was one of the major reasons for the title industry’s use of the separate settlement statement, so hopefully this legislation solves this problem for the industry. If it doesn’t, Congress should work on amending the bill to address the other reasons for the title industry’s use of the separate settlement statement.” Share
Why Renters Can Afford to Buy a Home Share Consumer house-buying power—how much one can buy based on household income and the 30-year, fixed mortgage rate—is up 55 percent since 2006. So writes Mark Fleming, Chief Economist at First American, in a blog looking at the concept of housing affordability through the eyes of renters.According to Fleming, “a renter’s house-buying power is based on the median renter’s income, the prevailing 30-year, fixed mortgage-rate, and assumes a 5 percent down payment, and that one-third of their pre-tax income is used for the mortgage. The renter’s house-buying power can then be used to see what share of the homes for sale the renter could afford to buy.”Extrapolating that approach to the national housing market, Fleming compared the current buying power of the median renter to that of the median renter in 2000. Back then, he said, the median renter0 had an income of $40,750, which translated into $163,232 of house-buying power. In practical terms, it meant that the median renter of 2000 could afford to buy 57 percent of the homes on the market. By 2006, though, spikes in living expenses, from petroleum and utilities to climbing housing prices, chipped the potential to buy down to 38 percent of available homes for the median renter, Fleming wrote.Six more years later, in 2012, following a housing collapse that left thousands of properties on the market for lower prices, the median renter’s $254,000 in buying power meant that that renter could afford 68 percent of homes on the market nationally. That’s the highest rate First American has ever tracked.By 2017, the median renter could afford to buy 64 percent of all the homes sold, Fleming wrote. “Additionally, over the last three years, renter house-buying power has increased fast enough to keep pace with house price appreciation, so the share of homes that a renter can afford to buy has remained the same since 2015,” he wrote.So despite sometimes gloomy looks into affordability—which industry insiders frequently say is suffering under the weight of escalating prices and tight inventory—the big picture as Fleming paints it is more optimistic.“Although mortgage rates are expected to rise, they are still low by historic standards, and real household incomes are the highest they have ever been,” he wrote. “Assuming this trend continues, our measure of affordability, which takes into account income, interest rates, and house prices, indicates that homeownership is still within reach for renters.” in Daily Dose, Data, Featured, News Demand First American Home Home Prices Homebuyers homeowners HOUSING Inventory Renters Supply 2018-08-08 Radhika Ojha August 8, 2018 3,304 Views
But as McShay even noted, the Cardinals do not necessarily have a need for a tight end going into the 2017 season.The same cannot really be said for the other two positions he has the team addressing, with safety and quarterback both having holes, if not definite needs.Peppers is one of the more exciting players in the draft, having played a variety of roles for Michigan during his career in Ann Arbor. As a linebacker last season, he recorded 72 tackles, 16 tackles for loss, four sacks and one interception. He was the Big 10’s Linebacker of the Year and a first-team member, but at 5-foot-11 and 213 pounds is seen as a safety in the NFL.As for Peterman, while not necessarily the most notable passer in the draft, he would make some sense. At 6-foot-2 and 226 pounds he has decent size, while he also displays adequate mobility. He threw for 2,855 yards and 27 touchdowns last season, but does not come with the track record of some of the draft’s top QB prospects. Derrick Hall satisfied with D-backs’ buying and selling Of all the people who have an idea of what teams might do in the upcoming NFL Draft, ESPN’s Todd McShay probably ranks among those whose opinion might actually carry some weight.He is, after all, one of the network’s lead draft analysts, and has spent more time than most breaking down prospects who could hear their name called over the three-day event in Philadelphia.Therefore, McShay’s three-round mock draft for every team, which he put together for ESPN Insider, is well worth a read. His goal was to make the best pick for each team at each draft slot, regardless of whether he liked the player for a different team more. Comments Share Former Cardinals kicker Phil Dawson retires The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Grace expects Greinke trade to have emotional impact McShay noted he was not trying to predict the picks so much as say who he would draft if he was each team, and for the Cardinals, that meant a tight end went in the first round.The analyst chose Miami’s David Njoku at No. 13 overall for the Cardinals, and then followed that pick with Michigan safety Jabrill Peppers in the second round and Pittsburgh QB Nathan Peterman in the third.With TEs Jermaine Gresham and Troy Niklas still in town, Njoku wouldn’t have to be an every-down player from Day 1 in Arizona, but he’d give Carson Palmer another dimension in the passing game because of his freakish skill set. The Cardinals have shown the ability to develop versatile defensive backs (Tyrann Mathieu and Deone Bucannon), and Peppers would be another intriguing project for them. He has limitations, but I love his competitiveness. With Palmer now 37 and no QB of the future on the roster, Arizona needs to draft a QB with some developmental upside in this year’s draft. I snagged Peterman in Round 3, but the Cardinals could take one with an earlier pick if the board falls right.It’s safe to say the Cardinals going with a tight end in the first round would be a surprise. However, the 6-foot-4, 246-pound Njoku is seen as an incredible prospect, with his NFL.com draft profile likening him to Greg Olsen. He caught 43 passes for 698 yards and eight touchdowns last season, and is regarded as a competitive blocker. Top Stories
FILE – In this April 1, 2013 file photo, TV personality Joy Behar arrives at the “Lucky Guy” Opening Night in New York. A 2016 video clip has surfaced online of “The View” co-host showing an old photo of herself as a “beautiful African woman.” She displayed a photo of herself with curly hair when she was 29 years old. She said the hair was her own and had dressed as a “beautiful African woman” at a Halloween party. (Photo by Dario Cantatore/Invision/AP, File) ‘The View’ host Joy Behar under fire for use of blackface AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email by Mark Kennedy, The Associated Press Posted Feb 7, 2019 12:00 pm PDT NEW YORK — Joy Behar and ABC were silent Thursday after an old photo resurfaced of “The View” co-host using makeup to darken her skin for a Halloween costume, the latest flashpoint in a series of blackface scandals making national headlines.The 76-year-old didn’t mention the clip on Thursday’s show, one day after an editor for the entertainment website The Wrap tweeted the three-year-old segment of Behar discussing a resurgence of curly hair.During the 2016 segment, Behar displayed a 1970s-era photo of herself at a Halloween party when she was 29. She says that the hair was her own and that she had dressed as a “beautiful African woman.”Co-host Raven-Symone asked whether she had on tanning lotion. Behar, an outspoken liberal, said she wore makeup “that was a little bit darker than my skin.”Messages seeking comment were not returned from Behar’s agent and the ABC program.Critics were quick to point out that NBC cut ties with host Megyn Kelly last year after she created a furor by suggesting that it was OK for white people to wear blackface on Halloween.This week, Virginia’s governor and attorney general are being criticized for their use of blackface. Florida Secretary of State Michael Ertel resigned last month after a photo surfaced showing him wearing blackface and dressing as a “Hurricane Katrina victim.”Other white celebrities who have been called out for using blackface include Julianne Hough, who in 2012 dressed as characters from Netflix’s “Orange Is the New Black,” and “Real Housewives of New York” star LuAnn De Lesseps, who dressed as Diana Ross for Halloween in 2017.Mark Kennedy, The Associated Press
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