Freddie Mac joins SCRA initiative

first_imgAfter the White House announced an initiative to maximize servicemember benefits under the Servicemembers Civil Relief Act, Freddie Mac encouraged mortgage servicers to participate in the initiative to make sure servicemembers are taking advantage of available protections.The SCRA puts an interest rate cap of six percent on mortgages for eligible, active servicemembers. The Obama administration announced changes that allow mortgage servicers to accept alternative documentation to verify military status, in order to make it easier for servicemembers to benefit from the law.  Specifically, mortgage services are now authorized and encouraged to use the Defense Manpower Data Center (DMDC) database to confirm a borrower’s military status instead of requiring the service member to provide a copy of their orders.Freddie also encouraged mortgage servicers to take part by searching the online DMDC on a quarterly basis to find servicemembers in their portfolio not yet taking advantage of the interest rate cap, and to offer interest rate relief to those borrowers.Freddie said that its mortgage policies changed effective Aug. 26 in accordance with the initiative – changes will be included officially in the September Guide Bulletin. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Donor Spotlight: Anna Lochas

first_imgWe’d like to introduce Ms. Anna Lochas, a UWF alumna, UWF employee, and a true Argo fan. Anna graduated from the College of Business and now works as an Administrative Specialist in Academic Affairs. Anna began supporting UWF Athletics in 2015 and has since donated to every single women’s sports program. Thank you, Anna, for your continued support!Why do you give to UWF Athletics?All of UWF’s teams are great and have accomplished so much. I am proud to be an Argonaut and wanted to show my support for UWF Athletics.Why do you continue to give annually and to every single woman’s program?I understand that women’s sports do not always receive the same level of support as men’s sports do. I feel it is important to do my part to support the women’s teams. I couldn’t decide which team to support so I decided I would give to each one of them.What is your opinion on giving at such a young age? My age hasn’t really been a factor in my decision to give.  I’m lucky that I am able to give now and hope I will be able to continue giving and increase the amount over time. What impact do you think your annual donations have on the UWF Athletic Department?While I am not sure exactly how I am impacting each team, I do feel that my gift is helping them to achieve their goals. Whether it’s being used for an athletic scholarship, team uniforms, practice equipment, or promotional items, it all helps the team reach their goals.What makes you passionate about UWF Athletics?I have been a fan of the Argonauts for most of my life. I used to attend games with my mom and sister when I was a kid, and we continue to attend them today. Having the wonderful opportunity of completing an Internship with Athletics while pursuing my undergraduate degree made me feel even more connected with Athletics and it gave me more appreciation for UWF Athletes.Print Friendly Versionlast_img read more

Giorgi Cuts The Ribbon At Complete Health Clinic

first_imgGiorgi, who is sponsored by Complete Health Clinic, also presented a signed shirt to managing director Chris Thorpe, who thanked the Bristol Rugby pair for their support on the night.“It was great to have the support of our sponsored Bristol Rugby player, Giorgi Nemsadze, along with fellow Bristol Rugby Player and local Clevedon lad Nick Carpenter, at the opening of Complete Health Clinic’s new home at The Stables, Clevedon Hall Estate,” he said. OPEN: Giorgi Nemsadze cuts the ribbon at Complete Health Clinic’s new home on the Clevedon Hall Estate.“We look forward to continuing to support Bristol Rugby as they continue their campaign.”Nick Carpenter added: “It was great to be able to show our support to a local business – and even more so for myself, having grown up in Clevedon. We wish them the best of luck at their new home.”last_img read more

Rangel to be assessed ahead of Hull game

first_imgEmbed from Getty Images QPR defender Angel Rangel will be assessed ahead of Sunday’s game against Hull City.The veteran right-back has been struggling with an injury but Rangers are hoping to have him back in their squad for their final match of 2019.But they will again be without Yoann Barbet, whose spell on the sidelines continues.AdChoices广告Barbet recently suffered a calf injury after returning to training following a calf problem. See also:Reading v QPR player ratings’Heated words’ after QPR defeat – WarburtonWarburton eyes loan signings and predicts ‘very low-key’ January for QPRcenter_img Follow West London Sport on TwitterFind us on Facebooklast_img

US plans to construct up to eight border-wall prototypes this summer

first_imgTerry Vine/J. Patrick Lane/Getty Images(WASHINGTON) — Customs and Border Protection (CBP), the agency implementing the border-wall construction process, is planning for the construction of four to eight wall prototypes in San Diego “later this summer,” said CBP Acting Deputy Commissioner Ronald Vitiello on Tuesday.“We’re leaning on industry to innovate and to use other materials to show us what they think is possible, doable and innovative for this purpose,” Vitiello said.CBP has entered phase two of the process and is currently reviewing and evaluating proposals for wall prototypes, but no contracts have been awarded yet. On March 17, CBP issued two separate requests for proposals from companies for wall prototypes — one for “reinforced concrete” and one for “alternative materials.”“Although this acquisition is still underway, we plan to start building the prototypes in San Diego later this summer,” Vitiello said.A CBP draft briefing to Congress had previously stated June as an intended start date for prototype construction, but the Department of Homeland Security, which oversees CBP, has said “summer” in recent weeks. Vitiello said it’s currently “hard to nail down” an exact date to start construction.President Donald Trump’s January executive order on border security called for the “immediate construction of a physical wall on the southern border,” a goal that the president reiterated throughout his campaign.“Any and all prototypes will be designed to deter illegal entry into the United States,” Vitiello said.Last week, Trump touted a solar-paneled border wall before a campaign crowd in Iowa, calling it “my idea.”“And we’re thinking of something that’s unique. We’re talking about the southern border — lots of sun, lots of heat. We’re thinking about building the wall as a solar wall so it creates energy and pays for itself,” Trump said to the cheering audience.However, back in April — when Department of Homeland Security was reviewing bids for the wall project — at least one contractor, Gleason Partners LLC of Las Vegas, submitted a plan to use solar panels to cover sections of the wall.Vitiello said he was “not aware” of any discussions with the White House about solar panels before the president’s remarks.The president’s statement “hasn’t impacted the planning in it of itself,” said Vitiello, who pointed out that there are two distinct proposals  — one for concrete and one for “not-concrete” —  so CBP expected “to have some innovation.”When the request for proposals went out, some of the companies put plans on their own websites, so CBP was aware that there were people out there who were thinking about a “wall that has solar panels on it,” Vitiello said.CBP is prevented from sharing information on the companies bidding for the wall project because of federal procurement rules.Vitiello described the number of total bidders as a “substantial group,” but said he did not know the specific number.The primary purpose of this effort is to come up with “design standards” for the border wall that may be constructed along the southwest border, according to CBP.The completion of the prototypes’ construction is expected within 30 days of the issuance of notice to proceed, and final selection will take place after a “thorough review and evaluation.”For fiscal year 2017, Congress is providing funding for the replacement of 14 miles of primary barrier in San Diego, 2 miles in El Centro, 20 miles of vehicle barrier in El Paso, 4 miles of pedestrian barrier in El Paso and 35 new gates in the Rio Grande Valley area.Rio Grande Valley has been an area of exploitation and an area lacking in border infrastructure, according to Vitiello.For fiscal year 2018, CBP has prioritized 28 miles of new levee wall and 32 new miles of border wall in the Rio Grande Valley region, as well as 14 miles of replacement secondary wall in San Diego.The section of the San Diego wall that CBP has identified for replacement has been breached “800 times in the last year,” Vitiello said.CBP has identified approximately 130 miles of border where a wall doesn’t make sense to build, including areas with lakes, high mountains or other natural physical barriers.However, the agency said it is prepared to make changes to its priorities as conditions on the ground evolve.The prototypes, which will primarily serve as a design evaluation for the agency, will also create a new barrier in San Diego that did not previously exist. That area was chosen by CBP because it is government-owned property; is well-known to agents on the ground; and already has the roadways, lighting and sensor material that will need to be incorporated into design plans.Trump has said that he will get Mexico to pay the U.S. back for the wall construction.However, on Tuesday, Vitiello said he was “not aware” of any offers of financial help from Mexico for the border wall. Copyright © 2017, ABC Radio. All rights reserved.Powered by WPeMatico Relatedlast_img read more

Apple opens new chapter amid weakening iPhone demand

first_img FILE- In this Jan. 3, 2019, file photo the Apple logo is displayed at the Apple store in the Brooklyn borough of New York. Apple Inc. reports earnings Tuesday, Jan. 29. (AP Photo/Mary Altaffer, File) FILE- In this Oct. 30, 2018, file photo Apple’s new MacBook Air computers are displayed during the company’s showcase of new products in the Brooklyn borough of New York. Apple Inc. reports earnings Tuesday, Jan. 29, 2019. (AP Photo/Bebeto Matthews, File) 1 of 3 FILE – This Oct. 22, 2018, file photo shows the iPhone XS, from left, iPhone XR, and the iPhone XS Max in New York. Apple hoped to offset slowing demand for iPhones by raising the prices of its most important product, but that strategy seems to have backfired after sales sagged during the holiday shopping season. (AP Photo/Richard Drew, File) SAN FRANCISCO | Apple hoped to offset slowing demand for iPhones by raising the prices of its most important product, but that strategy seems to have backfired after sales sagged during the holiday shopping season.Results released Tuesday revealed the magnitude of the iPhone slump — a 15 percent drop in revenue from the previous year. That decline in Apple’s most profitable product caused Apple’s total earnings for the October-December quarter to dip slightly to $20 billion.Now, CEO Tim Cook is grappling with his toughest challenge since replacing co-founder Steve Jobs 7 ½ years ago. Even as he tries to boost iPhone sales, Cook also must prove that Apple can still thrive even if demand doesn’t rebound.It figures to be an uphill battle, given Apple’s stock has lost one-third of its value in less than four months, erasing about $370 billion in shareholder wealth.Cook rattled Wall Street in early January by disclosing the company had missed its own revenue projections for the first time in 15 years. The last time that happened, the iPod was just beginning to transform Apple.“This is the defining moment for Cook,” said Wedbush Securities analyst Daniel Ives. “He has lost some credibility on Wall Street, so now he will have to do some handholding as the company enters this next chapter.”The results for the October-December period were slightly above the expectations analysts lowered after Cook’s Jan. 2 warning. Besides the profit decline, Apple’s revenue fell 5 percent from the prior year to $84 billion.It marked the first time in more than two years that Apple’s quarterly revenue has dropped from the past year. The erosion was caused by the decline of the iPhone, whose sales plunged to $52 billion, down by more than $9 billion from the previous year.The past quarter’s letdown intensified the focus on Apple’s forecast for the opening three months of the year as investors try to get a better grasp on iPhone sales until the next models are released in autumn.Apple predicted its revenue for the January-March period will range from $55 billion to $59 billion. Analysts surveyed by FactSet had been anticipating revenue of about $59 billion.Investors liked what they read and heard, helping Apple’s stock recoup some of their recent losses. The stock gained nearly 6 percent to $163.50 in extended trading after the report came out.“We wouldn’t change our position with anyone’s,” Cook reassured analysts during a conference call reviewing the past quarter and the upcoming months.The company didn’t forecast how many iPhones it will sell, something Apple has done since the product first hit the market in 2007 and transformed society, as well as technology.Apple is no longer disclosing how many iPhones it shipped after the quarter is completed, a change that Cook announced in November. That unexpected move raised suspicions that Apple was trying to conceal a forthcoming slump in iPhone sales — fears that were realized during the holiday season.Cook traces most of Apple’s iPhone problems to a weakening economy in China, the company’s second biggest market behind the U.S. The company is also facing tougher competition in China, where homegrown companies such as Huawei and Xiaomi have been winning over consumers in that country with smartphones that have many of the same features as iPhones at lower prices.Although a trade war started by President Donald Trump last year has hurt China and potentially caused some consumers there to boycott U.S. products, many analysts believe the iPhone’s malaise stems from other issues too.Among them are higher prices — Apple’s most expensive iPhone now costs $1,350 — for models that aren’t that much better than the previous generation, giving consumers little incentive to stop using the device they already own until it wears out. Apple also gave old iPhones new life last by offering to replace aging batteries for $29, a 70 percent discount.“The upgrade cycle has extended, there is no doubt about that,” Cook conceded.Apple is banking that investors will realize the company can still reap huge profits by selling various services on the 1.4 billion devices running on its software.That’s one reason why Cook has been touting the robust growth of Apple’s division that collects commissions from paid apps, processes payments, and sells hardware warranty plans and music streaming subscriptions. Apple Music now has more than 50 million subscribers, second to Spotify’s 87 million streaming subscribers through September.Apple is also preparing to launch a video streaming service to compete against Netflix, though Cook said he wasn’t ready to provide details Tuesday.The company’s services revenue in the past quarter climbed 19 percent from the prior year to $10.9 billion — more than any other category besides the iPhone.last_img read more

OVERTIME: Top 10 you could care less about. Hollywood Hook­ups

first_imgBILL NEAL:10—First of all thanks to the crew for the help again. Secondly you need to know I am at the coolest spot in town.  Don’t ask, if I tell ya I have to kill ya! Thirdly, last week’s Top 10 got such rave reviews that I had to go to the wall again:  Here’s a Top 10 you could care less about. Hollywood Hook­ups…Super-HOT and Super-NOT!!!  Don’t ask me why?No. 10. John Lennon and Yoko OnoNo. 9. Saundra Bullock and Jessie JamesNo. 8. Marilyn Monroe and Arthur MillerNo. 7. Kim Kardashian and Kanye WestNo. 6. Scarlett Johnansson and Roman DauriacNo. 5. Heidi Klum and Seal tied with Janet Jackson and Jermaine DupreeNo. 4. Julia Roberts and Lyle Lovett tied with Ike and TinaNo. 3. Jennifer Lopez and Marc AnthonyNo. 2. Michael Douglas and Catherine Zeta JonesNo. 1. And the No. 1 Super-HOT and Super-NOT for all the current reasons Kris Kardashian and Bruce “I don’t know who I am” Jenner:09—OK let’s get back to sports stuff…DUH!  The Pirates swept the Diamondbacks. Not a greatest but a sweep is a sweep.:08—The Clippers just made it interesting. Tied it up 2-2 with the Spurs. Trust me “Pop” will see to it that they don’t win another game!:07—The Penguins are done. Guess you fire the coach again!:06—Floyd Mayweather and Manny Pacquiao will square off Friday night and the winner will be Mayweather! Take it to the bank!:05—In case your living under a huge rock somewhere be advised that yours truly and Odell Richardson host the B-PEP talk show every last and first Saturday of the month at 12:00 noon on 1360 AM WBGN Radio.  Listen in or call but get in on the conversation.  Your community interest is counting on you.:04—Speaking of great fights; do yourself a favor and pull out your Ali-Foreman “Rumble in the Jungle” VHS tape and be reminded of the greatest that was Muhamad Ali. Told everybody he was gonna knock him out, talked to George the whole fight, roped-a-doped him and came out unscratched.  Ali boom aya…Ali boom aya…Ali boom aya!!:03—Achieving Greatness Inc., is still looking for intelligent, aggressive, self-motivated, hardworking, get it done at all cost Executive Leaders to join our team.  There are no limits to how great you can be.  “Greatness Lies Within You.” Call 412-628-4856 if you are interested and serious.:02—You know I’ve never said this before.  If you’re reading this you already know.  But you still need to tell any and everybody you know that need to be subscribing to the New Pittsburgh Courier.  One of the oldest Black newspapers in America…C’mon Man!!!:01—Spurs and CAV’s…LET’S GET IT ON!!!:00—Alex Rodriquez AKA A-Rod is giving the baseball world the finger…Six (6) home runs and counting.  Watch out Willie Mays:00:00—Double overtime Achieving Greatness Inc., will sponsor the first annual high school Jr. and Sr. students athletes life skills seminar Saturday, May 30, 9 a.m.-3 p.m.  To enter your student male or female at no cost, call 412-628-4856.  Lunch, t-shirt and presentations form former college and pro athletes will be providedGame overlast_img read more

Batman takes on Spanish side Valencia over use of a bat in their club crest

first_img According to the BBC, the “New York-based publishing giant lodged its opposition with the European Union’s trademark arm”.  21/11/2014 Apparently the logo is too similar for their liking.  For years – long before Bruce Wayne was born – la Liga club Valencia have sported a bat on their crest, but now it seems DC comics, the makers of the superhero, are going to fight los Che for the right to use the bat on their badge.  Upd. at 20:10 CETcenter_img Sport EN Seeking comment, neither Valencia nor DC Comics were able to be contacted, however the BBC claim to have seen documents which reveal the saga was started in May 2013. The Riddler, the Joker, Penguin and Catwoman have all been regular foes to Batman down the years, but now it seems the caped crusader has a new energy: Valencia. Barcelona are due at Mestalla to take on high-flying Valencia next weekend – that’s if they haven’t been struck down by Batman by then.last_img read more

Find out what rule Alexis Sanchez broke at Arsenal this weekend

first_img “It was Santi Cazorla to take it, I don’t know why it didn’t happen,” Wenger told the BBC.  18/09/2016 He took a penalty and missed it, when it was actually Santi Cazorla who was supposed to be shooting.  IN SPORT.ES Sport EN Sepa por qué Alexis Sánchez rompió el pacto del vestuario del Arsenal CEST Arsenal thrashed Hull City 4-1 away from home but, although Alexis Sanchez struck twice, Arsene Wenger was not happy with the forward. Upd. at 16:46 “I want always to know what happened. And [for it] to not happen again, we have to see why that happened. But overall, anybody can miss a penalty. You have to accept that. It happens to all of us … and it’s happened to Santi Cazorla as well.” “Did Santi not want to take it, or did Sanchez take the ball? We have a pecking order, but on the pitch they have to want to take it. But he was not planned, Sanchez.last_img read more

Cardinia united in lockdown

first_imgBy Mitchell Clarke and Romy Stephens The entire Cardinia Shire has been plunged back into a six-week lockdown targeting metropolitan Melbourne’s rapid Covid crisis – despite…[To read the rest of this story Subscribe or Login to the Gazette Access Pass] Thanks for reading the Pakenham Berwick Gazette. Subscribe or Login to read the rest of this content with the Gazette Digital Access Pass subscription.last_img