State Senate Kills Foreclosure Notification Bill

first_img Servicers Navigate the Post-Pandemic World 2 days ago State Senate Kills Foreclosure Notification Bill Tagged with: Foreclosure Law New Hampshire Sales Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Foreclosure, Government, News About Author: Seth Welborn Home / Daily Dose / State Senate Kills Foreclosure Notification Bill Foreclosure Law New Hampshire Sales 2019-04-30 Seth Welborn Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago April 30, 2019 1,299 Views The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: Taking Legislative Action Against Foreclosure Challenges Next: New Leader Announced for ALTAcenter_img  Print This Post New Hampshire House Bill 309, a bill intended to give homeowners more warning when facing foreclosure, was ended by voice vote in the New Hampshire, killing the bill, citing objections from banks and credit unions.Concord Monitor reports that the Bill would have required a sheriff to hand-deliver a notice of sale to a delinquent homeowner, noting that under the present law, that notice must only be mailed to the homeowner. Additionally, the bill would require that the notice itself explicit about the recourse a homeowner has to fight the non-judicial foreclosure procedure if he or she believes it was illegally issued.“The committee found that there was a large amount of opposition to the bill form various stakeholders and the financial community,” said Senator Harold French.Opposition to the bill, including banks, credit unions and municipalities, argued that the bill would have slowed the foreclosure process significantly and tie up the court decision. Opponents of the bill also argued that procedures developed by the Consumer Financial Protection Bureau have already created guidelines for banks to follow during foreclosures, though advocates have said they are poorly enforced.Senator Dan Feltes expressed his disappointment in the final decision.“Establishing a process and going through it in some cases will expedite the (legal) process, rather than putting the onus on homeowners to go to court to stop a potentially unlawful foreclosure and instead going through a process right away … is what most the states do,” he said.Those in support of the bill, including Feltes as well as New Hampshire Legal Assistance, a provider of legal resources for low-income homeowners, state that notices can be lost or ignored when sent in the mail, and HB 309 offers a safer and more direct way of communicating with homeowners facing foreclosure. Advocates note that many homeowners, though they know they may be behind on payments, may not be aware of how behind they are. Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Related Articles The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Subscribelast_img read more

Growth rates of Antarctic fur seals as indices of environmental conditions

first_imgThe growth rates of Antarctic fur seal (Arctocephalus gazella) pups estimated from weighing cross-sections of the population were compared with measured/ inferred changes in the availability of their main prey species, Antarctic krill (Euphausia superba) from 1989 to 2000. There was no relationship between growth rate and mass at weaning and there were counter-intuitive indications of higher growth rates in years of low krill availability. Biases reflecting changes in the component of the population available for sampling appear to invalidate the widely held assumption that interannual differences in growth rate can reliably be derived from differences in the slope of a linear relationship based on cross-sectional population samples. A new index was developed, based on the deviation of pup mass at age in each year compared to the multiyear mean, that was not dependent on assumptions of linearity. The indices of growth deviates produced a more logical relationship with other indices of pup development and related more appropriately to variations in prey availability. The potential impact of methodological biases on the interpretation of growth rate suggests that comparisons of growth rates should not rely on assumptions regarding the underlying growth pattern.last_img read more

Baggies sack Irvine

first_img “We place on record our gratitude for his efforts and hold nothing but good wishes for his future endeavours. This was a decision taken with regret but sadly driven by necessity.” It means the Baggies are now looking for their fourth manager in little more than 12 months. Irvine left his role on the Everton staff to take over from Pepe Mel at The Hawthorns, the Spaniard himself having only joined the club in January last year as successor to Steve Clarke. He admitted in the wake of the defeat to the Potters he did not have control over whether he kept his job after just four league wins in 19 games. Former Tottenham boss Tim Sherwood, who was heavily linked with the Albion job when it was available in the summer, and former Stoke and Palace manager Tony Pulis are among the favourites to succeed Irvine. Meanwhile, the Baggies are not in advanced talks with Liverpool over the sale of striker Berahino. Reports claimed Liverpool were closing in on a £23.5million move for the England Under-21 international, but it is understood they are wide of the mark. The club said in an official statement that Irvine had been placed on garden leave and a ssistant head coach Rob Kelly, with Keith Downing, would take charge of the team for the New Year’s Day game at West Ham. Albion said they expected to be able to name Irvine’s successor by the weekend. Albion technical director Terry Burton said Irvine’s dismissal was “a decision taken with regret but sadly driven by necessity”. He said on the club’s official website: “We appointed Alan in the summer convinced that we had taken on one of the foremost coaches in the UK and nothing that has happened since then has altered our view. “The individual progress of our players such as Craig Dawson and Saido Berahino are testament to that. “But sadly that simply has not translated into results and they remain the ultimate currency of Alan’s position. “Securing a sixth season in the Premier League is the over-riding target and sometimes unpleasant decisions have to be taken to serve that imperative. “Alan has impressed everyone with his manner, dedication and diligence but he knows that results have simply not been good enough. The Baggies boss has paid the price for a run of seven defeats in nine Barclays Premier League games which has left the team in 16th place, a point above the bottom three. The last straw was Sunday’s 2-0 loss at Stoke, a third defeat in a row. Press Association West Brom have sacked head coach Alan Irvine after just half a season in charge. last_img read more

Rangers set to announce major signing

first_imgQPR plan to confirm the marquee signing of South Korean star Park Ji-sung from Manchester United later today.QPR chairman Tony Fernandes will attend today’s press conference.The 31-year-old is scheduled to be unveiled at a press conference in central London this afternoon, at which Asian media will be heavily represented.Rangers see Park’s arrival as a statement of intent – and pivotal to the Tony Fernandes-led regime’s plan to grow a large Asian fanbase.Park is the most decorated player in the continent’s history and was a popular figure at United, where he won four Premier League titles and the Champions League during his seven years at Old Trafford.See also: Korean star Park set to join QPR from UnitedFollow West London Sport on TwitterFind us on Facebooklast_img read more

Indian firm in major BPO investment

first_imgGrowth strategy “Additionally, the clients will benefit from greater scale, deeper domain expertise, comprehensive and flexible solution offerings, robust financial strength, and a rich international talent pool,” Sen said. Destination for business “CCN is a strategic fit for Aegis,” Aegis CEO Aparup Sengupta said in a statement this week. “This combined entity will offer CCN’s clients and prospects and expanded set of solutions and services from a broader geographic delivery platform.” The company services several Fortune 500 companies worldwide in the telecoms, banking, financial services, insurance, healthcare and travel sectors, and has 32 facilities in countries including the US, Philippines, India, Costa Rica and Kenya. 10 July 2009 Indian business process outsourcing (BPO) company Aegis has acquired Call Centre Nucleus, one of the largest privately owned call centre operators in South Africa, for an undisclosed amount. Aegis chief marketing officer Sandip Sen said that with more than 33 000 employees globally, Aegis was well positioned to provide customised solutions to meet today’s business needs. Client benefits South Africa will be an integral part of Aegis’s growth strategy, and the company will invest up to $60-million (about R500-million) to expand, develop skills, bring in international experience and create up to 5 000 jobs in the country over the long term. CCN had revenues in excess of R150-million for 2008/09, with significant revenues from clients located in the UK. Aegis belongs to Indian conglomerate Essar Group, and has revenues of approximately US$500-million. “With this transaction, Aegis proves its commitment to develop South Africa as a destination for international business,” Brick said. CCN chief executive Lawrence Brick believed they had found the right partner to guide the company towards future growth, and that the transaction was a win for the company’s customers, employees and stockholders. Johannesburg-based Call Centre Nucleus (CCN) has been in the BPO business for the last seven years and has a capacity of 700 seats, with over 1 000 employees operating out of its two facilities. Its core competence lies in end-to-end inbound customer service in the contact centre arena. SAinfo reporterWould you like to use this article in your publication or on your website? See: Using SAinfo materiallast_img read more

South Africa issues Nelson Mandela commemorative stamp

first_imgSouthAfrica.info reporter and Nelson Mandela Foundation The South African Post Office and the Nelson Mandela Foundation have launched a special stamp to commemorate the life and legacy of the late Nelson Mandela.While this is not the first stamp issue featuring Mandela, it is the first to be issued since he passed away on 5 December.It was released on Tuesday, 11 February – exactly 24 years since Mandela’s release from Victor Verster Prison in Cape Town on 11 February 1990 – as part of a philatelic souvenir folder containing a high-quality miniature sheet depicting Mandela along with a brief summary of his life history.Each souvenir folder costs R50 and is available at all post offices, as well as online at South Africa’s Virtual Post Office. A portion of the proceeds from the sale of the stamps will be donated to the Mandela Foundation.This is the fourth stamp issued by the Post Office in honour of Mandela. The first came out in 1993, when Mandela won the Nobel Peace Prize, the second in the following year when he became the first black and democratically elected president of South Africa, and the third when he turned 90 in 2008.Speaking at the launch of the stamp at the Nelson Mandela Centre of Memory in Johannesburg on Tuesday, Johan van Wyk, senior manager of philately at the South African Post Office, said the organisation was especially proud of this contribution to the history of Mandela.“As far back as a year ago we were already working on a design,” Van Wyk said in a statement issued by Mandela Foundation. “That was premised on the fact that as much as we did not want him to die, we were aware of his mortality. So this design was coming from the perspective of a country in mourning – the focus was on grief.“But in December, when he died, the mood in the country was that of a nation wanting to celebrate his life and legacy – yes, we were sorry for his passing, but we wanted to focus on his contribution. And in one weekend, the design changed completely.“We are very proud of our efforts,” Van Wyk said. “We see our stamps as the smallest ambassadors for the country, but this one means more than that. It represents our contribution to his life and legacy, and through us issuing that stamp, we became a part of history.”Getty Simelane, a director at the South African Post Office, said the issue of the stamp “has made it possible for many people the world over to share in memories of Madiba. We believe that Madiba, the most passionate democrat the world has ever seen, would approve.”last_img read more

EPA releases Final Renewable Fuel Standards for 2014, 2015 and 2016

first_imgShare Facebook Twitter Google + LinkedIn Pinterest In a long awaited and much-debated announcement, EPA has finalized the volume requirements and associated percentage standards that apply under the RFS program in calendar years 2014, 2015, and 2016 for cellulosic biofuel, biomass-based diesel, advanced biofuel, and total renewable fuel. EPA also finalized the volume requirement for biomass-based diesel for 2017.“The Renewable Fuel Standard (RFS) is an incredibly successful energy policy and we appreciate the U.S. Environmental Protection Agency’s (EPA) revision to their original proposal. However, reducing the amount of renewable fuel required in the RFS will have a negative effect on the American economy and hinder additional investments in biofuels,” said Chad Kemp, president of the Ohio Corn & Wheat Growers Association. “Renewable fuels are one of the reasons the U.S. imported less oil than we produced. A major factor in this increasing trend towards energy independence is the increased use of corn ethanol. We should be moving forward with our goals of energy independence and cleaner air, not reversing this success.”The final requirements will boost renewable fuel production and provide for robust, achievable growth of the biofuels industry. The final rule considered the many public comments EPA received on the proposal, and incorporates updated information and data. EPA is finalizing 2014 and 2015 standards at levels that reflect the actual amount of domestic biofuel used in those years, and standards for 2016 (and 2017 for biodiesel) that represent significant growth over historical levels.Final Renewable Fuel Volumes2014201520162017Cellulosic biofuel (million gallons)33123230n/aBiomass-based diesel (billion gallons)1.631.731.902.00Advanced biofuel (billion gallons)2.672.883.61n/aRenewable fuel (billion gallons)16.2816.9318.11n/a(Units for all volumes are ethanol-equivalent, except for biomass-based diesel volumes which are expressed as physical gallons.)Final Percentage Standards201420152016Cellulosic biofuel0.019%0.069%0.128%Biomass-based diesel1.41%1.49%1.59%Advanced biofuel1.51%1.62%2.01%Renewable fuel9.19%9.52%10.10%The final 2016 standard for advanced biofuel is nearly 1 billion gallons, or 35%, higher than the actual 2014 volumes, while the total renewable standard requires growth from 2014 to 2016 of over 1.8 billion gallons of biofuel, or 11% higher than 2014 actual volumes. Biodiesel standards grow steadily over the next several years, increasing every year to reach 2 billion gallons by 2017.“America’s corn farmers are proud to grow a cleaner burning, renewable fuel source for America and the world,” said Maryland farmer Chip Bowling, president of the National Corn Growers Association. “In July, we asked the Environmental Protection Agency to restore the 2014-16 corn ethanol renewable volume obligation to comply with the Renewable Fuel Standard as passed by Congress and signed into law.“While we are pleased to see the EPA take a step forward and revise its original proposal, the fact remains that any reduction in the statutory amount will have a negative impact on our economy, our energy security, and the environment. It is unfortunate that Big Oil’s campaign of misinformation continues to carry weight in the court of public opinion, and in this decision.“The Renewable Fuel Standard has been one of America’s most successful energy policies ever. Because of it, our economy is stronger, we are more energy independent, and our air is cleaner. We should be strengthening our commitment to renewable fuels, not backing down.“In light of the EPA’s decision, we are evaluating our options. We will fight to protect the rights of farmers and consumers and hold the EPA accountable.”Growth Energy and its members are pleased to see that the President and the Environmental Protection Agency have recognized the need to move the renewable fuel industry past the so-called blend wall for the sake of America’s climate, energy security and rural economy. While this rule still relies on a flawed methodology that sets renewable fuel volumes below the statutory levels enacted by Congress, it is an important improvement from the proposed rule, and moves the industry closer to getting America’s most effective climate policy back on track and providing certainty for biofuels in the marketplace.Specifically, Growth Energy is pleased that the RVOs have been finalized after such a long delay and that the levels have increased from the original proposal. This final rule makes it possible to drive the growth of higher ethanol blends through the so-called blend wall, giving consumers choices at the pump, such as low-cost E15. Additionally, the numbers for 2016 represent a final rule closer to the statutory levels established by Congress, avoid the “reset” and indicate a more certain future for renewable fuels.The volumes established by EPA will provide some certainty to biodiesel producers and feedstock providers and will continue to generate many benefits for consumers and the environment. As outlined in the comments submitted by the American Soybean Association (ASA) in July, the benefits of biodiesel include a more diversified energy market; increased domestic energy production; reductions in greenhouse gas emissions; new jobs and economic development; expanded markets; and reduced soy meal feed costs.While the volumes in the Final Rule do not fully capitalize on the capacity and growth potential of U.S. biodiesel, it does provide a step in the right direction.“We are glad to see the volumes for biomass-based diesel increased above the Proposed Rule and previous proposals,” said Wade Cowan, ASA President. “Biodiesel provides significant economic and environmental benefits and we have the capacity to do more. The Administration wants to address climate change and reduce greenhouse gas emissions and biodiesel can contribute more to that effort.”Biodiesel is a domestically produced, renewable fuel that is proven to achieve emissions reductions ranging from 57 to 86 percent and is the first and only Advanced Biofuel to reach commercial-scale production nationwide. Biodiesel has made up the vast majority of Advanced Biofuel production under the RFS to date.Joe Jobe from the National Biodiesel Board tells the Ohio Ag Net’s Dale Minyo that there are some good things coming out of EPA’s decision on the RFS, but also some things that need work.Joe Jobe National biodiesel Boardlast_img read more

The importance of beef exports

first_imgShare Facebook Twitter Google + LinkedIn Pinterest By John F. Grimes, Ohio State University Extension Beef CoordinatorThe subject of trade seems to be a daily topic in the national and agricultural media in recent weeks. The President appears to be determined to create an environment for “fairer” trade between the U.S. and many of our trading partners. Thus far, negotiations between the U.S. and other countries have yielded few results, tough talk, and the threat of tariffs.Much of the uncertainty surrounding the issue of trade has created a level of anxiety within several U.S. industries. Agriculture is certainly one of those industries. Many agricultural commodities play an important role in our overall trade balance. The beef industry is greatly impacted by exports across the globe.Annual U.S. beef exports have risen significantly over the past decade according to statistical data from the U.S. Meat Export Federation. In 2008, the U.S. exported 984,712 metric tons of beef at a total value $3.619 billion dollars. In 2017, U.S. beef exports were at 1,263,456 metric tons for a total value of $7.269 billion dollars. The top six destinations for U.S. beef exports in 2017 were 1. Japan, $1,890 billion; 2. South Korea, $1,220 billion; 3. Mexico, $980 million; 4. Hong Kong, $884 million; 5. Canada, $796 million; and 6. Taiwan, 410 million.Exports of beef have continued their strong run thus far in 2018. Beef export volume was 111,213 metric tons in April, up 11% year-over-year. Export value was $676.7 million, up 23% and the fourth-highest on record. Through the first four months of 2018, exports were up 10% in volume to 429,286 metric tons. Export value was $2.59 billion, 20% above last year’s record pace.Exports accounted for 14.1% of total beef production in April, up from 13.6% a year ago. Beef export value averaged $328.46 per head of fed slaughter in April, up 16% from a year ago. Through April, per-head export value averaged $318.91, up 17%. To put these figures in perspective, $318.91 on a 1,400-pound market steer equals an added 22.8 cents per pound.The figures listed above should indicate the importance of exports to the beef industry. It certainly would be beneficial to the beef industry and many other agricultural commodities for our U.S. trade negotiators to make some agreements with our key trading partners sooner rather than later. To say a lot is at stake would be an understatement!last_img read more

Lance Armstrong to Admit Drug Use to Oprah

Lance Armstrong plans to admit to doping throughout his career during an upcoming interview with talk show host Oprah Winfrey, USA Today reported late Friday.The interview, scheduled to be taped Monday and broadcast Thursday night on the Oprah Winfrey Network, will be conducted at Armstrong’s home in Austin, Texas.Citing an anonymous source, USA Today reported that the disgraced cyclist plans to admit to using performance-enhancing drugs, but likely will not get into details of the allegations outlined in a 2012 report by the U.S. Anti-Doping Agency. The report led to Armstrong being stripped of his seven Tour de France titles and banned for life from the sport.Armstrong representatives, including his attorney Tim Herman, declined comment. The New York Times first reported last week that Armstrong was considering making a confession.Armstrong, 41, who vehemently denied doping for years, has not spoken publicly about the USADA report that cast him as the leader of a sophisticated and brazen doping program on his U.S. Postal Service teams that included use of steroids, blood boosters and illegal blood transfusions.Winfrey’s network announced Tuesday that Armstrong agreed to a “no holds barred” interview with her.A confession to Winfrey would come at a time when some of Armstrong’s legal troubles appear to be clearing up.Any potential perjury charges stemming from his sworn testimony denying doping in a 2005 arbitration fight with a Dallas promotions company over a contract bonus worth $7.5 million have passed the statute of limitations.Armstrong faces a whistle-blower lawsuit filed by former teammate Floyd Landis accusing him of defrauding the U.S. Postal Service, but the U.S. Department of Justice has yet to announce whether it will join the case. The British newspaper The Sunday Times is suing Armstrong to recover about $500,000 it paid him to settle a libel lawsuit.Armstrong lost most of his personal sponsorship — worth tens of millions of dollars — after USADA issued its report, and he left the board of the Livestrong cancer-fighting charity he founded in 1997. He is said to still be worth an estimated $100 million.Livestrong might be one reason to issue an apology or make a confession. The charity supports cancer patients and faces an image problem because of its association with its famous founder.The New York Times reported Armstrong might make a confession in an attempt to return to competition in elite triathlon or running events, but World Anti-Doping Code rules state his lifetime ban cannot be reduced to less than eight years. WADA and U.S. Anti-Doping officials could agree to reduce the ban further depending on what new information Armstrong provides and his level of cooperation.Armstrong met with USADA officials recently to explore a “pathway to redemption,” according to a report by “60 Minutes Sports” aired Wednesday on Showtime. read more