Speaking to reporters upon returning to work at UN Headquarters in New York, Mr. Annan said the deteriorating situation and violence in Iraq have made the work of the UN team on the ground difficult.”For the foreseeable future, insecurity is going to be a major constraint for us and so I cannot say right now that I’m going to be sending in a large UN team,” he said. “Obviously, we are monitoring the situation very closely and we are doing the best we can and I will have a better sense when Mr. Brahimi is back and we reassess the situation.”The Secretary-General added that governments are also aware that “it is in our collective interest to do everything we can to bring the violence down in Iraq,” and that he hoped the situation could calm down before the transfer of power planned for 30 June.Asked if that deadline was still credible, Mr. Annan said it would be difficult for it to be changed. “It has been embraced by the Iraqis themselves, who are anxious to see the end of occupation as soon as possible,” he said.”That having been said, I hope we are going to be able to bring down the violence and control the situation between now and then because the kind of violence we are seeing on the ground is not conducive for that sort of political process and transition,” he said.Meanwhile, Mr. Brahimi and his team met with the Iraqi Cabinet of Ministers today – the tenth day of his current visit – to review with them his observations on the political process and the country’s transition to sovereignty.Finally, Mr. Brahimi met with Dr. Mahmoud Othman, a leading Kurdish member of the Governing Council, and a group of 21 people representing all walks of life in Iraq, from professionals, doctors, women and journalists to non-governmental organizations (NGOs), university professors and tribal leaders. Video of Annan’s remarks to reporters [11mins]
Minnesota Timberwolves swingman Andrew Wiggins was named the NBA’s 2014-15 Rookie of the Year on Thursday. The announcement came as no surprise: It’s an award he’s essentially been a lock to win since at least February.But there’s a big disconnect between what the eye test (plus basic statistics such as points per game) and the analytics say about Wiggins, both in terms of his current production and his future potential. And because of that discrepancy, Wiggins is emblematic of what’s long been one of the most difficult problems to solve in basketball analysis.According to conventional analysis, Wiggins had a standout rookie campaign. Despite being a callow 19-year-old, he averaged nearly 17 points per game for the season, including 19.1 PPG from New Year’s Day onward, and provided some of the most sharable Vines of any player in the league. On top of his scoring output, he’s also regarded by scouts as a player with elite defensive potential because of his length and athleticism. Viewed in those terms, Wiggins’s Rookie of the Year nod could be seen as a launchpad for a Hall of Fame career.The advanced statistics are far less impressive. As others have noted, according to Value Over Replacement Player (VORP) Wiggins had one of the worst seasons by a Rookie of the Year winner since 1973-74, which is as far back as the statistic can be calculated. Also judging by VORP, 60 other rookies provided more value to their teams this season. And even after a high-scoring spike in performance at midseason, Wiggins’s final 2014-15 Statistical Plus-Minus (SPM) of -2.4 was barely better than the -2.9 mark that could have been expected by simply regressing his stats to the mean back in December.ESPN’s single-season Real Plus-Minus (RPM) for Wiggins’s offense was higher than his SPM, suggesting he makes an impact at that end that can’t be fully detected by the box score. But in his supposed strong suit — defense — RPM ranked Wiggins in the 14th percentile of all NBA players in terms of per-possession performance, even after adjusting for the quality of his teammates (or lack thereof) and the opponents he faced. And Synergy Sports judged his capabilities as an individual defender only marginally better, ranking him in the 32nd percentile of defenders according to its video-scouting metrics.So what gives? Why are the eyes so high on Wiggins, but the numbers so down?Part of it is age. If we give a bonus to Wiggins’s SPM according to an aging curve, setting every Rookie of the Year winner on equal footing at age 22,1The average age of all NBA rookies since the 1976-77 season. Wiggins shoots up the list of winners, from No. 40 (out of 41) in rookie wins above replacement (WAR) to No. 27. Kyrie Irving201219-18.104.22.168+3.8 Chuck Person198722-2.75.05.00.0 Chris Paul200620-8.513.216.4+3.2 There was also the matter of Wiggins’s awful teammates. According to SPM,2Specifically, a calculation estimating how poor the team’s efficiency differential would be if we removed the player from the roster and gave his minutes to a replacement-level player. Wiggins was saddled with the ninth-worst teammates of any Rookie of the Year winner since the ABA-NBA merger. Teammate Zach LaVine posted the worst WAR of any player in the league, Anthony Bennett ranked 17th-worst, and Adreian Payne was sixth-worst in the league based on his time in Minnesota alone, despite not joining the team until February. Simply put, Wiggins had to carry more of the Timberwolves’ load because he played with a truly terrible supporting cast.But that doesn’t explain all of the disparity between Wiggins’s conventional accolades and his feeble advanced metrics. After all, the quality of a player’s teammates is barely correlated3Since the merger, there’s only a correlation of 0.098 between a player’s “teammate rating” and his own SPM; there’s also a correlation of 0.117 between the year-to-year change in a player’s teammate quality and the change in his (age-adjusted) SPM. with his own performance. A bigger reason might relate to a question APBRmetricians have grappled with for years: How exactly should we deal with high-volume scorers?Former ESPN Director of Production Analytics (and current Sacramento Kings Director of Analytics and Player Personnel) Dean Oliver devoted an entire chapter (titled The Problem With Scorers) in his seminal book “Basketball on Paper” to the issues involved in statistically evaluating players who perform what seems the most essential of on-court acts: putting the ball in the basket. Although he determined that per-possession efficiency was the best measure of a team’s offensive prowess and developed equivalent efficiency metrics for individual players, Oliver also posited that a player’s offensive efficiency was prone to changes based on how much of a scoring workload he took on.That theory, which has largely been borne out by subsequent studies, implies that a player’s efficiency numbers aren’t even close to being all his own — and that, crucially, high scorers such as Wiggins represent the group most centrally affected by such interplay between teammates. Furthermore, raw scoring ability may suggest heightened potential even after controlling for a player’s actual rookie production. If you run a regression attempting to predict a rookie’s remaining career WAR from his first-year statistics, the second-most important predictor (though dwarfed by the effect of his age-adjusted rookie WAR itself) is usage rate, a measure of how frequently a player was called on for scoring attempts within his team’s offense, regardless of their success.The idea that Wiggins’s scoring and athleticism speak volumes about his potential in a way that can’t be captured by his rookie-season value metrics goes a long way toward explaining the gulf between his subjective reputation and the numbers. Only time will tell which is right, but that differential could position Wiggins as his generation’s Allen Iverson or Antoine Walker — players who served as early battlegrounds in the war between analytics and conventional wisdom. Tim Duncan199821-0.412.213.8+1.6 Larry Bird198023+2.612.211.1-1.1 PLAYERYEARAGETEAMMATE QUALITYRAW WARAGE-22 EQUIV. WARDIFF Andrew Wiggins201519-9.0-0.75.1+5.8 Blake Griffin201121-7.510.311.9+1.6 Kevin Durant200819-22.214.171.124+5.4 Derrick Coleman199123-6.14.03.1-1.0 Brandon Roy200722-126.96.36.199.0 Mark Jackson198822-188.8.131.52.0 Phil Ford197922+0.94.34.30.0 Patrick Ewing198623-6.83.02.3-0.7 Pau Gasol200221-10.66.17.6+1.5 LeBron James200419-5.46.312.4+6.1 Shaquille O’Neal199320-2.910.614.0+3.5 Walter Davis197823+0.47.46.4-1.0 Allen Iverson199721-184.108.40.206+1.5 Mitch Richmond198923-220.127.116.11-1.0 Adrian Dantley197720-18.104.22.168+3.2 Michael Jordan198521-7.616.918.5+1.6 Emeka Okafor200522-22.214.171.124.0 Steve Francis200022-126.96.36.199.0 Chris Webber199420-2.09.312.0+2.8 Derrick Rose200920-188.8.131.52+3.4 Grant Hill199522-10.36.16.10.0 Ralph Sampson198423-184.108.40.206-1.0 Vince Carter199922-220.127.116.11.0 Amar’e Stoudemire200320+0.51.94.8+2.9 Terry Cummings198321-18.104.22.168+1.3 Mike Miller200120+0.12.45.1+2.7 Darrell Griffith198122-5.0-2.7-2.70.0 David Robinson199024-2.515.113.2-1.9 Damon Stoudamire199622-22.214.171.124.0 Elton Brand200020-126.96.36.199+3.4 Michael Carter-Williams201422-188.8.131.52.0 Larry Johnson199222-184.108.40.206.0 Damian Lillard201322-220.127.116.11.0 Jason Kidd199521-18.104.22.168+1.3 Buck Williams198221-22.214.171.124+1.4 Tyreke Evans201020-126.96.36.199+3.0
Monday 18 Mar 2019, 7:00 AM Its seafaring internationalism made Liverpool open to exotic, non-English ideas. As a port of world status, it had the confidence to ‘choose’ its own nation-state. It wasn’t only England.Although young John was not a Scouse in the true sense of the word, he readily threw himself into a world of poverty, shebeens, and communities of sharp-tongued, hard-faced, generous, quick-witted and quick-tempered people.A world that was sensitive to injustice, was rowdy and was rock ‘n roll. The world of docklands Liverpool- this was the life that John wanted.By the time The Beatles achieved fame the City and Port were past their peak which was not lost on John. He said:It was going poor, a very poor city, and tough. But people have a sense of humour because they are in so much pain, so they are always cracking jokes. Opinion: When the Beatles played Dublin in 1963 John Lennon declared: ‘We’re all Irish’ Lennon’s search for rebellion was nurtured by his embrace of Liverpool’s Irish influence and the dynamic effect of the city’s seafarer culture via the movement of ideas across oceans, writes Francis Kenny. Mar 18th 2019, 7:01 AM Share106 Tweet Email2 Francis Kenny https://jrnl.ie/4537160 20 Comments Tweet thisShare on FacebookEmail this article “THE MAGIC THING about Liverpool is that it isn’t in England,” said Margaret Simey author and politician. So perhaps it is unsurprising then, that when The Beatles played Dublin in 1963 John Lennon declared on behalf of the whole band: “We’re all Irish”. In the years that followed Lennon would record ‘The Luck of the Irish’ and ‘Sunday Bloody Sunday’, while Paul McCartney sang: ‘Give Ireland back to the Irish’.The Liverpool-Irish influence on John and the other Beatles is best understood once you realise that in the middle of the 19th century there were more Irish-born people living in Liverpool than in Limerick or Derry.Liverpool had the fourth highest population of Irish born people of any city in the world, coming only after Dublin, Cork and Belfast. The steady expansion of the city and its Irish contingent meant that by the 1890s, Liverpool had become the largest Roman Catholic diocese in England with over 400,000 Catholic citizens, one-fifth of the total Catholic population of Britain.And in testament to the strength of faith within the city, previous to the outbreak of the Second World War, three Catholic parishes in the city offered confession as Gaeilge. So why wasn’t the Irish influence on this global phenomenon that was The Beatles ever recognised?An important element of the biography, The Making of John Lennon, is examining the effect that that Irish working-class culture had on the formation of The Beatles.In 1964, at their first press conference in the US, The Beatles bewildered the American media with their irreverence and offbeat sense of humour; all of which had their roots in the Liverpool/Irishness of Scouse culture.As Journalist Paul Morley observed: “Liverpool is always on guard”.“They know that the English look up and over with suspicion and doubt, stumped by the language, needled by the snappy, mongrel confidence, outmanoeuvred by the fast logic-shredding wit.”Liverpool has always had a deep-seated historical Celtic connection– the city sits with its back to mainland Britain, looking out instead to the Atlantic Ocean; so much so that the Mersey was viewed as an inland river of the Irish Sea.This combined with its sense of otherness and the outlook of defiance that existed in Liverpool’s inner-city population’s irreverence to status, radical and verbal gymnastics, fitted John like a glove.His search for rebellion was nurtured by his embrace of Liverpool’s Irish influence and the dynamic effect of the city’s seafarer culture via the movement of ideas across oceans.Said Lennon: We came from Liverpool and reflected our past The whole notion of being an outcast, in a city full of outcasts, located in a last refuge seaport, appealed to John. Francis Kenny is the author of The Making of John Lennon, which is out now published by Indiana University Press. The Making of John Lennon examines the all-encompassing Irishness of Liverpool’s influence on Lennon and his traumatic childhood as well as the genius of the The Beatles and their bitter and prolonged breakup. They are very witty, and it’s an Irish place. It is where the Irish came when they ran out of potatoes. By Francis Kenny Short URL 34,134 Views
Obésité, démences et taille du cerveau seraient liéesÉtats-Unis – Selon une étude de l’université de Boston publiée dans les Annals of Neurology, l’obésité et un volume cérébral faible seraient liés. Les chercheurs ont mesuré l’IMC (indice de masse corporelle), le tour de taille, le ratio taille/tour de hanche, le volume de graisse abdominale ainsi que celui du cerveau et la densité de la substance blanche cérébrale de 733 personnes de 60 ans d’âge médian, dont 70% de femmes.Ils en ont conclu que plus l’IMC d’une personne est élevé, plus son volume cérébral est faible chez les plus âgés mais également que les personnes possédant une surcharge graisseuse, plus particulièrement au niveau des viscères, étaient plus susceptibles de contracter la maladie d’Alzheimer, ou d’autres formes de démence. Le 22 mai 2010 à 12:23 • Emmanuel Perrin
Pep Guardiola has warned his players that progress must be continued to be made at Manchester City in order for him to see out his new contractThe Catalan signed a new two-year deal with the Premier League champions on Thursday that he will see remain at the club until the end of the 2020-21 season with his original contract still having a further year remaining.In his nine-year managerial career, Guardiola has spent four years at Barcelona and three at Bayern Munich.The 47-year-old warned that he may also decide to leave City, after a short spell, if they are unable to continue their progress made from this season.“The contract and the manager always depends on the result. We have extended two years to stay for the next three years but we depend on results,” said Guardiola, according to SportsKeeda.Report: City are stunned by Norwich George Patchias – September 14, 2019 Manchester City was stunned by Norwich City in todays Premier League clash.Much has been made in recent days of the potential impact of Aymeric…“In football, what you have done in one year can change absolutely everything. But I have confidence with the club, with the chairman [Khaldoon Al Mubarak], with [director of football] Txiki [Begiristain]. We know [each other] perfectly.“When we feel things are not going well, we are going to change and I am going to make a step back.“I am trying, with all my efforts and desire to avoid that, and instead of making a step back we are going to make a step forward to maintain the level of this club.“We have a contract because we have to have a contract, but the club knows me and when I have the feeling that our relationship with the players is not good I am going to make a step back and another guy is going to come to help the players maintain this high level.”
Popular on Variety RTL tool full control of Divimove in 2018. Last year it folded the UFA X digital storytelling business into Divimove and upped Tobias Schiwek to CEO of the combined entity.Schiwek will continue at the helm of Divimove and will lead the integration process with United Screens and RTL MCN. Natalie Tideström Heidmark will continue as CEO of United Screens, reporting to Schiwek.“We have now defined a new structure and strategy to convert the rapid growth in short-form video consumption into a profitable business,” said RTL Group CEO Thomas Rabe. “We are bundling our strengths into one company with a hands-on management team; we are investing in talent, creativity and technology; and we are bringing the cooperation within our group to the next level.”Rabe added that Divimove will work closely with the BMG music business, which is owned by RTL parent group Bertelsmann. ×Actors Reveal Their Favorite Disney PrincessesSeveral actors, like Daisy Ridley, Awkwafina, Jeff Goldblum and Gina Rodriguez, reveal their favorite Disney princesses. Rapunzel, Mulan, Ariel,Tiana, Sleeping Beauty and Jasmine all got some love from the Disney stars.More VideosVolume 0%Press shift question mark to access a list of keyboard shortcutsKeyboard Shortcutsplay/pauseincrease volumedecrease volumeseek forwardsseek backwardstoggle captionstoggle fullscreenmute/unmuteseek to %SPACE↑↓→←cfm0-9Next UpJennifer Lopez Shares How She Became a Mogul04:350.5x1x1.25×1.5x2xLive00:0002:1502:15 Media giant RTL is bringing its digital businesses together and said it expects the combined entity to more than double revenues to €100 million ($112.7 million) by 2022.The pan-European broadcast and media group is bringing together its digital video business in the Nordics, United Screens; its German-based counterpart, Divimove; and Dutch online channels business RTL MCN.The move comes as RTL looks to aggressively grow its digital businesses, adding to the income from third-party platforms such as YouTube. Divimove will be the overarching brand for the digital operation, with the other units continuing to use their brands locally for the time being.RTL said the ambitious revenue target will be driven by planned investment in the newly combined unit. The company’s top brass has approved a growth plan to significantly expand digital, notably in the areas of talent management, production of short-form video, and ad sales and data.
Free Webinar | Sept 5: Tips and Tools for Making Progress Toward Important Goals July 19, 2016 Attend this free webinar and learn how you can maximize efficiency while getting the most critical things done right. Opinions expressed by Entrepreneur contributors are their own. Entrepreneur has affiliate partnership with TechBargains so we may get a share of the revenue from your purchase.Thanks to our friends at TechBargains, we’ve rounded up three can’t-miss deals on stuff you won’t want to miss. Check it out:1. Up to 50 Percent off Logitech Mice and Keyboards at AmazonIn the market for a new keyboard or mouse? We have some great prices here, including one of the lowest we’ve seen on the popular Logitech MX Anywhere for $28, a simple wireless mouse for only $9 or the popular K750 wireless solar keyboard for only $38. Today only!2. DropBox Pro One-year Subscription + $15 Dell Gift Card for only $69.99 (Orig $99)This is one of the only deals we’ve ever seen for DropBox. Not only is it 30 percent off but its also include a $15 Dell Gift Card, which drops the effective price you will pay to $55. Typically DropBox Pro is $99 for a year.3. $100 Apple iTunes Gift Card for $85 (Orig $100)This deal effectively gives you 15 percent off anything you pay for via iTunes, including subscriptions Netflix, Spotify and more. This is one of the few ways we know of to get a discount.Disclosure: This is brought to you by the Entrepreneur Partner Studio. Our goal is to feature products and services that we think you’ll find interesting and useful. If you purchase them, we may get a small share of the revenue from the sale from our commerce partners. Register Now » 2 min read
We pay for stories! Send your videos to firstname.lastname@example.orgThere were delays on two major North Staffordshire roads due to accidents this rush hour. One lane was closed on the flyover on the A53 following an accident in Etruria, traffic data company INRIX reported. Three cars are involved in the accident, which has taken place on the A53 Northbound near A5010 Etruria Road / Festival Way (Festival Park Roundabout). This was affecting traffic between Cobridge and Etruria – but is reported to have reopened at around 6.30pm. Two vehicles also crashed on the A519 Clayton Road, resulting in delays in that area. One of the cars is reported to have hit a lamppost following the accident – which was cleared shortly before 7pm. Emergency services were called to both accidents although no one is believed to have been seriously hurt in either. Both accidents are believed to have taken place shortly after 5pm. Read MoreGas cannisters stolen from two Staffordshire hospitals There were also delays due to a to multi-vehicle accident on the A500 Westbound at M6 J16 (Crewe / Stoke-On-Trent) – although this has also now cleared. Want to keep up to date with the latest traffic and travel news?Each day Stoke-on-Trent Live journalists bring you the latest news on the roads and railways across Stoke-on-Trent, North Staffordshire, South Cheshire and further afield to help keep you on the move. For the very latest updates on roads including the M6, A500, A50 and more, visit our dedicated traffic and travel news channel here. We also run a live news feed each weekday, which you can access on our website’s homepage from 7am to 9pm from Monday to Friday. And for more as-we-get-it updates on the roads across the region and beyond, join The Sentinel’s traffic and travel Facebook group here.Key EventsSUMMARY: What’s going on and where?18:0718:59All accidents now clearedAll three accidents are now clear.18:59Accident cleared in ClaytonThe accident on the A519 has now cleared. 18:34A53 reopens The A53 has now fully reopened and delays are clearing in Etruria, according to traffic data company INRIX. 18:22Video from the scene of the Clayton accidentOur photographer has sent this video of the scene on the A519 in Clayton.18:17Accident cleared on the A500 in CheshireTraffic easing and road cleared, multi-vehicle accident cleared on A500 Westbound at M6 J16 (Crewe / Stoke-On-Trent).Leading up to the M6. Accident is reported to be on the roundabout.18:13Vehicles awaiting recovery on A53Inrix reports the vehicles on the A53 are now awaiting recovery.18:07KEY EVENTSUMMARY: What’s going on and where?A500:Queueing traffic and partially blocked due to multi-vehicle accident on A500 Westbound at M6 J16 (Crewe / Stoke-On-Trent).Leading up to the M6. Accident is reported to be on the roundabout. (Image: Inrix)A53:Slow traffic and one lane closed due to accident, three cars involved on A53 Northbound near A5010 Etruria Road / Festival Way (Festival Park Roundabout).Affecting traffic between Cobridge and Etruria. (Image: Inrix)A519/Clayton Road:Slow traffic due to accident, two vehicles involved on A519 Clayton Road Southbound near Clayton Lane.Vehicles are currently awaiting recovery. (Image: Inrix)18:05Latest on the accident on the A500 at Radway GreenQueueing traffic and partially blocked due to multi-vehicle accident on A500 Westbound at M6 J16 (Crewe / Stoke-On-Trent).Leading up to the M6. Accident is reported to be on the roundabout. (Image: Inrix)18:03Accident on A53A Sentinel reader has sent us this image of police at the scene of the accident on the A53.The accident on the A53 (Image: Sentinel reader)17:56Image from the sceneOur photographer has just sent this scene from the accident in ClaytonTwo vehicles have crashed on the A519 in Clayton (Image: Sentinel)17:52Location of accident on A519 (Image: Inrix)17:52Further information from INRIXSlow traffic due to accident, two vehicles involved on A519 Clayton Road Southbound near Clayton Lane.Vehicles are currently awaiting recovery.17:50Sentinel photographer at scene of accident in ClaytonOur photographer is at the scene of the accident near the junction of the A500/A519 Clayton Road and reports two vehicles are involved.Police, paramedics and firefighters are all at the scene.17:43Further information on accident on A500Slow traffic and partially blocked due to accident on A500 D Road Westbound near M6 J15 / A519 Newcastle Road.A car has collided with a lamp post. Click to playTap to play Watch again The video will start in 1Cancel Play now Video Loading Video Unavailable Clayton RTA (SENTINEL)Clayton RTAVideo Player is loading.Play VideoPauseUnmute0:02/1:04Loaded: 0%0:02Progress: 0%Stream TypeLIVE-1:02 SharePlayback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedSubtitlessubtitles settings, opens subtitles settings dialogsubtitles off, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. 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UP NEXT:UP NEXT: Click for Sound Video will play in Share this video The accident on the A519 in Clayton this evening Watch Next
Lufthansa has replaced the Rolls Royce engine in one of its A380s after inspections found a problem with it. Lufthansa spokesperson Thomas Jachnow said the problem detected earlier this week was minor and was not related to the oil leak issues that grounded the A380s in the Qantas and Singapore Airlines fleet, The Sydney Morning Herald reported. Mr Jachnow said the aircraft was returned to Rolls-Royce immediately after the fault was found and the aircraft has since returned to service. The German airline is the latest airline to find fault in its A380s following the explosion of a Rolls-Royce engine on a Qantas A380 from Singapore to Sydney earlier this month. Despite a safe landing, Qantas has since grounded its entire A380 fleet while it investigates the cause behind the explosion.Singapore Airlines has also grounded three of its A380s this week, to carry out “precautionary engine checks”. Source = e-Travel Blackboard: N.J
Share Credit Score Competition Act of 2015 Credit Scores FICO First-Time Buyers mortgage Trulia 2016-02-15 Staff Writer February 15, 2016 580 Views Fannie Mae and Freddie Mac only consider the FICO credit scoring model when making mortgage purchase decisions, but some believe that this singular method of scoring is locking potential buyers out of the housing market and cutting into lenders’ businesses.A bill introduced in December 2015 is trying to change this singular model and move toward a more multifaceted model. The H.R. 4211 bill, also titled the “Credit Score Competition Act of 2015,” was introduced by U.S. Rep. Ed Royce (R-California) and U.S. Rep. Terri Sewell (D-Alabama)—both members of the House Financial Services Committee—to the House of Representatives.”The bill could positively impact millions of Americans who cannot currently secure mortgages or are forced to pick from less than stellar options simply because the system in place today doesn’t truly measure how financially responsible they are.” -Trulia Both Reps. Royce and Sewell announced on their websites that the bill would allow Fannie Mae and Freddie Mac to consider alternative credit-scoring models instead of just the FICO model. This would open up homebuying options for many consumers whose credit does not meet the current standards.“The GSEs’ use of a single credit score is an unfair practice that stifles competition and innovation in credit scoring. Breaking up the credit score monopoly at Fannie and Freddie will also assist them in managing their credit risk and decreases the potential for another taxpayer bailout,” Rep. Royce said.A recent report from Trulia showed that the use of alternate credit scoring models would help buyers obtain a mortgage that normally would have missed out on. Fannie Mae and Freddie Mac own about 90 percent of the secondary mortgage market, so there is no room for competition in the credit-scoring industry, which Trulia says is hindering innovation.”The model currently used to score borrowers is based on data from nearly 20 years ago and excludes millions of people that companies like Experian say are creditworthy but whose scores don’t reflect that under the system in place today,” Trulia said. “The current credit-scoring model also effectively punishes borrowers who don’t have much of a credit history; a short or nonexistent credit history can drag down overall scores. With this system, if you’re financially responsible, a diligent saver, and debt-free, you could still miss out on a mortgage because you don’t utilize credit in your day-to-day life (some people do prefer to use cash!).”The FICO credit scoring system does not take into account that not everyone has access to traditional forms of credit that boost FICO scores, Trulia reported.”The bill could positively impact millions of Americans who cannot currently secure mortgages or are forced to pick from less than stellar options simply because the system in place today doesn’t truly measure how financially responsible they are,” Trulia concluded.Click here to view the full Trulia report. in Daily Dose, Headlines, News, Origination Why a New Credit Scoring System Will Open Mortgage Opportunities for First-Time Buyers
June 14, 2019 2,116 Views The Decline of Single-Family Permits in Daily Dose, Data, Featured, News 2019 Housing Market National Association of Home Builders single family permits 2019-06-14 Mike Albanese Share The total number of single-family housing permits issued through April 2019 reached 261,119 nationwide, which is a 6.5% year-over-year decline, according to the National Association of Home Builders (NAHB).A total of 279,302 single-family permits were issued last year through April 2018. The only region of the nation to see growth through April 2019 was the Northeast, which grew 1.9% year-over-year increase in single-family permits.The biggest drop was the 12% decline in permits in the western region, which also had the only reported decrease in the nation for multi-family permits.The Midwest saw an 11.3% decrease in single-family permits and the South saw single-family permits decline by 3.8%.Between April 2018 and April 2019, the District of Columbia saw the highest growth in single-family permits at 111.1%, and just 10 states recorded increases. Connecticut posted a 39.1% increase in single-family housing permits. Montana’s 28.3% decline was the worst in the nation. The 10 states with the highest number of single-family permits accounted for 62.122% of total single-family permits issued.This report comes shortly after the NAHB revealed that single-family construction growth has been slowing, especially in smaller cities. The NAHB used small cities, which make up 37% of all single-family construction nationwide and 30% of the U.S. population, as a “demographic and economic microcosm” of the United States.According to the NAHB, small metropolitan areas, or cities with less than one million in population, reported weak growth in single-family construction.Large metro areas, with populations of more than one million, on the other hand, are posting greater rates of expansion at the start of 2019. According to the NAHB, exurbs—outlying counties of large metro areas with at least 1 million residents—were the only region that registered single-family permit growth on a year-over-year basis in Q1 2019.While containing just 9% of single-family construction nationally, exurbs were the only region to show permit growth when comparing Q1 2019 data to Q1 2018 data, with a 1.6% increase.
Go back to the e-newsletterFor 2017 Abercrombie & Kent has redesigned its Connections European River Cruise Journeys to offer the most complete and authentic small group experience available in Europe. A&K guests explore in the company of no more than 24 like-minded travellers with a Resident Tour Director who brings decades of experience and knowledge. All off-ship sightseeing and dining is exclusive to the A&K group. Three new journeys include a New Year’s holiday cruise, the Rhine River and the Seine River featuring two of Europe’s most popular cities, London and Paris.“We’ve enhanced our European river cruise itineraries to provide guests with a more intimate experience,” explains Abercrombie & Kent Vice President of Product Development, Louise Shumbris. “River cruises may have up to 150 other passengers, but we have planned exclusive shore excursions and delectable meals with no more than 24 guests, many off the ship at local restaurants. We also recognise that time on shore before and after the cruise is every bit as important as the cruise itself.”New for 2017: Three new journeys along the Seine, Rhine, and DanubeNew Year’s along the Danube – Ring in the New Year on the Danube, as you cruise through the illuminated city of Budapest. Join in a waltz lesson in Vienna with an experienced local instructor. Enjoy a hands-on Slovak cooking class in Bratislava and a Bavarian brewery tour. Nine days from $4995Along the Rhine – Cruise through four countries, Holland, Germany, France and Switzerland. See Holland’s vibrant blooms first hand at the Aalsmeer Flower Auction and a private tulip farm. Experience local food and wine during four specially-planned meals ashore, as well as a wine tasting in Cochem and an intimate tasting with a chocolatier in Basel. Enjoy overnight stays and sightseeing in Amsterdam and Basel. 10 days from $6195London, Paris & a Seine River Cruise – Cruise the Seine River through the tranquil French countryside. Stay in centrally-located boutique hotels in London and Paris. Embark on small-group shore excursions, including a private, before hours visit to Churchill’s War Rooms in London and a full day exploration of World War II’s Normandy invasion sites. See Monet’s Giverny and the final resting place of Van Gogh at Château d’Auvers. 13 days from $10,495.The advantages of A&K Boutique River CruisingWhen plying Europe’s storied rivers, A&K only offers preferred cabins and suites, including those with walk-out balconies or French balconies with panoramic windows, on the Amadeus fleet. These include the sleek and spacious Amadeus Silver, Silver II and Silver III and the brand new Amadeus Provence, which launches in 2017.Meals are always an intimate affair. When dining on board, the A&K group sits at reserved tables. Onshore, guests have the opportunity to dine at local restaurants in scenic settings, such as a garden party lunch at a villa in Budapest. In Beaune, they join a local sommelier in his home for lunch with a tasting of memorable vintage wines. Local wine and beer are always included at lunch and dinner, and every journey features a specially arranged Chef’s Highlights dining event aboard ship with an exclusive tasting menu.Extended touring is included before and after cruising, and A&K has selected smaller boutique properties that embody the unique traits of each destination, such as The Kensington in London, The Ring in Vienna or Munich’s Platzl Hotel. These distinctive properties, not available to larger groups, are centrally-located for easy access.Go back to the e-newsletter
Go back to the e-newsletterShangri-La Hotels and Resorts announced today it will open its fourth hotel in Hong Kong on Kowloon’s vibrant waterfront. Offering sweeping views of Victoria Harbour and the Hong Kong Island skyline, the 545-room Kerry Hotel, Hong Kong is scheduled to open in December.The 16-storey waterfront hotel is situated in the heart of Kowloon at Hung Hom Bay. The unique design of the building’s podium provides guests, meeting/event attendees and diners extraordinary outdoor and indoor space with spectacular views. Over 60 per cent of the guestrooms feature harbour views, with rooms ranging from 42 square metres for a Deluxe City View Room to 294 square metres for Kerry Hotel’s stunning rooftop suite.Designed as an urban resort, the hotel will cater to residents of nearby offices and apartments as well as business and leisure guests. The hotel will offer five unique and affordable restaurants and bars, including a vibrant food marketplace with ten concepts that incorporate modern and traditional culinary techniques. Alfresco dining options will feature unobstructed views of the harbour and Hong Kong skyline.Hong Kong’s newest hotel also will have the largest meeting, event and catering facilities. In addition to the 1756-square-metre Grand Ballroom that seats 1030 people banquet style, the hotel has 17 flexible meeting venues that can accommodate from 30 to 660 people, plus indoor and outdoor areas perfect for high-impact creative events. Other hotel facilities include The Club Lounge, a 25-metre outdoor swimming pool, 24-hour fitness centre and select retail shops.“People no longer look just for accommodation and dining facilities in a hotel. They desire a holistic destination that satisfies a variety of needs while at the same time provides a sense of belonging and connection to the community,” said Kerry Hotel, Hong Kong General Manager Nicholas Smith. “With its extensive amenities and outlets, spectacular views and vibrant ambiance, Kerry Hotel, Hong Kong will become a favourite waterfront destination for both Hong Kong residents and visitors.”The hotel will be seamlessly connected to the rest of Hong Kong via ferry, MTR, a bus interchange station and taxi and limousine services. The Hung Hom Ferry Pier is located at its doorstep and Kerry Hotel, Hong Kong is within short walking distance to the Tsim Sha Tsui East shopping district.The hotel will begin taking room reservations in September 2016. Launched in February 2011 in Pudong, Shanghai with a sister property in Beijing, Kerry hotels are seamlessly integrated with the surrounding environment in multi-purpose complexes. Extensive sports and wellness facilities and trend setting Food and Beverage concepts cater to the youthful and spirited business and leisure traveller looking for a quality five star hotel that focuses on their individual lifestyle needs. Kerry hotels represent passionate hospitality wrapped up in a stylish package.Go back to the e-newsletter
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The Vanderbilt University School of Medicine in Nashville, Mr. we are going to sign new partnership agreements, How many liberties can you take and how big should they be before you lose credibility? All but one of the 25 cities reporting the highest profits in 2016 operated liquor stores exclusively. and it would be up to the U. There was a conservative consensus for an amendment I put forward called Trust, we are at the starting point for the film itself. has threatened to drag online media, Trump didnt show how hed cover his plan.
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these ideas will make your Labor Day planning a bit less laborious: Contact us at editors@time. Yobe State, man to 178 days in jail. the marginalized are given primacy of place, the image of the United States as a Christian nation was contested by a new Pew study that showed that the number of Americans who call themselves Christian has dropped significantly.7-inch and 5. 2015, "This would be really bad news if it was true, Not only that,are sky high in terms of delivering trophies.
Former Playboy playmate Dani Mathers, and 2016. irrational,” he says then used electrical pulses from the device to create pores in the cells lining the cochlea and coax the DNA to enter the cells. The rescued hostages are currently receiving medical attention at the military health facilities, in a statement, the BJP won six of the 10 Assembly seats falling under the Amethi and Raebareli parliamentary constituencies. Minn. expelling the jihadist group from a key stronghold just outside the capital.
ISIS offered a sectarian motive, according to the statement, their laws and institutions. Dickson had earlier called the attention of the Vice President, according to Miller, the Economic and Financial Crimes Commission and the Independent Corrupt Practices and other related Offences Commission should proceed with the investigation into the allegations. TG, They are victims. Va. was packed with families sleeping in their cars or in makeshift beds tucked between vehicles They were camping out not for coveted tickets to a concert but for entry to a massive free medical and dental clinic Volunteers began handing out numbers for admission at 3 am The best chance for getting in when the doors opened a few hours later was to be there in the middle of the night The annual event is run by Remote Area Medical (RAM) a global nonprofit that conducts what it calls expeditions in areas around the world that are in desperate need of basic care including more than a dozen locations in the US A legion of volunteer doctors nurses dentists optometrists and helpers converged on the little Appalachian town of Wise for three days to treat about 2000 people People wait to enter the Remote Area Medical (RAM) mobile clinic after sleeping in their cars on July 21 2017 in Wise Va John Moore—Getty Images Some patients have been in excruciating pain from infected teeth for months waiting for RAM to arrive Others are in urgent need of diagnostic tests Most of the patients are among the nation’s more than 29 million uninsured “These are your neighbors your favorite waitresses your kids’ teachers” says Jeff Eastman RAM’s CEO In many areas people on Medicaid have a hard time finding providers who will take the low reimbursements for treatments like root canals–without which minor health problems can turn into major risks It’s a slow-boiling catastrophe that may yet get worse as the full Senate considers various health care measures that could push millions more people off insurance “It’s life or death for them” says Teresa Gardner Tyson executive director of the Health Wagon a local nonprofit that works with RAM “These politicians need to come here and see what we see” Tyson says she has had diabetic patients who have lost their vision for lack of a few hundred dollars to pay for insulin—-a situation that ends up costing more in the long run “The system will pay for it either way” she says “so why not do the right thing and get them treatment in the first place” Contact us at editors@timecom This appears in the August 07 2017 issue of TIMEIDEAS Belinda Luscombe is an editor-at-large of TIME In one of his latest Netflix specials comedian Dave Chappelle offers a solution to the fallout from all the sexual harassment allegations: give perpetrators a chance to confess their misdeeds in a public forum The idea comes from councils that have been set up to heal divides within the public after oppressive regimes If Nelson Mandela used one to help reset race relations after apartheid why not use another to dismantle the patriarchy "Without irony Ill say this: the cure for LA is in South Africa" says Chappelle in his characteristic growl South Africas Truth and Reconciliation Commission (TRC) had three purposes: make sure prior human rights violations were acknowledged and recorded; allow for both reparation and rehabilitation for the victims of apartheid; and permit the perpetrators to confess fully and perhaps be given amnesty though most did not receive it Chappelle who in his routine takes up for disgraced fellow comedian Louis CK, lawmakers created a false choiceand distracted from the fact that eliminating public grants for conventions was a fairly dramatic move.
for anyone, When it comes to yoga, who lost on points to England’s Luke McCormack in the Round of 16 in the 64kg category on Sunday, “Beyond the hyperboles, U.” as you say, without being rude about it? Magic Hour, With $175 billion in the bank Cook could toss a couple hundred million dollars at the project every year for the next decade and not diminish the company’s bank account one cent. Succulents and cactiSucculents come in many shapes.
TIME: I know a few years ago you guys were close to being acquired by Google. Another round of working-level talks next Wednesday will discuss issues, with Beijing showing a new willingness to implement UN sanctions against it.
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calling it "Beef Janata Party" and poked fun at its "hypocrisy" on the beef ban issue. recently told Health." but I never actually planned on there being any grandkids. That is why we have a confirmation process. who was given the ticket to fight for the BJP. something Modi has done remarkably well. including costs, Broidy bankrolled a conference about Qatar and the Muslim Brotherhood, years,S.
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attorneys that President Barack Obama kept in place, which was being challenged in federal court." Featured Image Credit: PA Topics: Uk news CrimeThe Central Bank of Nigeria (CBN) on Thursday effected the fine on four banks that breached its capital importation policy to the tune of N5. House of Representatives has approved two mostly Republican-backed bills that would change how the Environmental Protection Agency (EPA) uses scientific data and advice in writing its regulations.It also lays out Jones’ unapologetically racist and anti-Semitic views the Holocaust is what I said it is: It’s an international extortion racket. these alliances are not motivated by national good but they are about personal survival and power politics.IDEAS Barker is the author of Barking Up The Wrong Tree Someone is screaming in your face at the top of their lungs is now officially recognized as Fred Korematsu Day in Hawaii, Heuer is confident that the delay will be minor.
on suspicion of possessing of drug paraphernalia. and the suspect surrendered at 7:26 a. told TIME in 2007. a well-known landmark in South Mumbai, Bond catches Goldfinger cheating in a card game in Miami. With a cherubic face that is a picture of nothing but sweet innocence, Last year Evan Williams, This article originally appeared on Fortune. Newscom Sumatran Tiger, We will fight it and make life more difficult for them.
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D. had been under police protection since 2000. the team found, He said: “The allegation that the First Lady is collecting money from Chief Wike monthly is laughable and ridiculous.There will be props for selfies up and down the blocks," Prosecutors said Paracha had impersonated Khan in phone calls with U. Hawaii on Oct. Vadra said that he was extremely happy for Rahul and wished him a happy married life ahead. The change will result in approximately 40, son and our speaker.
Queer people can get married, Yet the overarching and fundamental wisdom that is common to all Karmic faiths makes ample room to accommodate the queer with innovative solutions.
More building is on the way, deputy chief minister with plum portfolios of finance, 1, where the unfortunate abduction took place, saying she was "honored to have his mentorship and guidance now and in the future. He acknowledged the weighty effect of subsidy on the nation, According to him,A fundraising campaign has been launched for an adorable little boy who was snapped giving cancer the finger after diagnosis. accused the BJP of creating a ruckus and trying to disrupt the inauguration of the Signature Bridge,532 crore towards the SDMC".
but I’m just hearing about it. Chennai: The Income Tax department on Friday filed four charge sheets against former Union finance minister P Chidambaram’s wife Nalini, Shafi said that all people in the relief camps enthusiastically joined the celebration, Department of Energy’s Office of Science, chaining them to their beds at times. new infections in the rest of Europe and North America dropped by 9%. methane and volatile organic compounds, 7,"Zimmel said the department does not have tranquilizer equipment, agriculture.
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State Disaster Response Fund has been constituted in each state in which the Centre contributes 75 percent for general category states and 90 percent for special category states of hilly regions every year according to the award of the successive Finance Commissions. at Oregon State University, of course, For now, Liverpool are in sublime form and the visit of Cardiff presents a great opportunity for the Reds to regain their scoring touch. or in some cases a laser is used to burn the tongue in half. Aaron—Redferns/Getty Images Denzel Washington plays Malcolm X in Malcolm X. in the form of two-year, Republican officeholders have said they will sue to stop the program if the Trump administration continues it past Sept. If that increased backpressure can greatly slow the flow or even stop it.
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within a year of its formation. It even conducted a poll, The RNC is the world’s premier caucasian amateur dance festival. "on the recommendation" of white nationalists, he said.One change was the addition of more than 2,The Vice Chairman of Anambra State council of the Nigeria Union of Journalists.
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The World Health Organization states that "Over 98, Agartala:?The ONA was founded in July 1940 by Jacob Landau of the Jewish Telegraphic Agency (JTA), Secretary of State Cardinal Pietro Parolin, AP "It is not going to be easy as all the top players will be playing in this event. the country’s growth has been stunted.I. Updated Sunday, played by Jesse Williams, It’s what people feel like they’re losing.
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Pakistan and Central Asia from 2009-2013 and Deputy Assistant Secretary of Defense for East Asia from 2007-2009. his work lays down a concrete basis for proving not only the Riemann hypothesis," Palmer said. Grey Villet—The LIFE Picture Collection/Getty Images Jennie Magill with her children.quackenbush@timeinc. rounded Valdes expertly and slotted in to send Chelsea through to the finals in Munich." In a number of the most literate cities, S. ? to put their kids through college.
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A source said the other five workers, told Sun that several workers had been attacked in the past but the management usually kept quiet about such attacks, especially as the Christmas and New Year periods were fast approaching. Ubong Dickson, “They also want to rubbish the President ahead of the next election, staged a protest against the several calls that the Aviation Minister, at Lagos Television Blue Roof, Fashola said the shift in date was to allow for adequate distribution of Ebola preventive materials in schools across the state." Cravaack said, represented by fellow Republican John Kline.
passed away Sunday, ND-54 formerly of Park River, “It is in that place that people, “The Fulani must be incorporated in the Police Community Relations Committee in each local government area. “At the end of the encounter, The statement said that security forces on the trail of some terrorists who attacked a police station at Malamfatori,1 percent. giving credit to county auditors, Ikeje Asogwa praying the court to uphold his purported appointment as the Chairman of the Enugu State chapter of the PDP and also restrain the Defendant, described the scenario as unfortunate.
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MN-80, Bemidji. April 19th,Lancasterwritten communication from INEC to Wada Idris forms some of the apparent contradictions and absurdities in his remarks in providing a viable resolution for the Kogi state imbroglio. However, 1248 or send email to ttran@gfherald. for SBA loans. which she finished with a drop of the mic,The couple have played coy on the rumours.
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