first_imgThursday 18 November 2010 7:27 pm whatsapp by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastPeople TodayNewborn’s Strange Behavior Troubles Mom, 40 Years Later She Finds The Reason Behind ItPeople TodaySerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity TimesZen HeraldNASA’s Voyager 2 Has Entered Deep Space – And It Brought Scientists To Their KneesZen Heraldmoneycougar.comThis Proves The Osmonds Weren’t So Innocentmoneycougar.comAlphaCute30 Rules That All “Hells Angels” Have To FollowAlphaCuteTaonga: The Island FarmThe Most Relaxing Farm Game of 2021. No InstallTaonga: The Island Farmthedelite.comNetflix Cancellations And Renewals: The Full List For More From Our Partners Biden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgMatt Gaetz swindled by ‘malicious actors’ in $155K boat sale boondogglenypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comI blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the whatsapp Show Comments ▼center_img Share MARKS & SPENCERExecution Noble has upgraded the supermarket to “buy” with an upgraded fair value price of 475p, following its research on M&S customers. The broker sees the firm’s new strategy as a real driver for sales growth, with the food business as a particularly strong opportunity. It adds that the brand could also cash in on the homewares market, which is ripe for consolidation.TRINITY MIRRORAltium Securities rates the media group “buy” with a reduced target price of 145p. The broker has trimmed its pre-tax profit forecasts for 2011 and 2012 by four and eleven per cent respectively, following a more cautious revenue outlook in last week’s management statement. Altium still views the shares as cheap, but remains wary for future years until more concrete signs of recovery emerge.KELLER GROUPBNP Paribas rates the construction firm “neutral” with a reduced target price of 650p. The broker believes there is further pressure on margins from continued slow demand in North America and Europe, with the company forced to cut costs. However, it adds that Keller can maintain its dividend payments despite a 10 per cent earnings per share shortfall, due to its recently-reduced net debt levels. BEST OF THE BROKERS KCS-content Tags: NULLlast_img read more

PSL 2021 LIVE online: How ways to watch Pakistan Super League…

first_imgPakistanPTV Sports & Geo Super TEAMSMWLTN/RPTNRRFORAGAINST WTC Final Day 2 Stumps: Brilliant Virat Kohli & Ajinkya Rahane saves the day for India as bad light stops play 33 overs early WI vs SA 2nd Test Day 2 Stumps: West Indies bowled out for 149 runs in 1st innings, SA lead by 149 runs 624004-0.0991027/116.21043/116.5 Cricket PSL 2021 LIVE Streaming Online –Where can fans watch the live streaming of PSL 2021 in India?The live streaming of the PSL 2021 in India will be available on SonyLiv.You can also catch the live updates on around the globe can also stream the PSL 2021 online through BSports Pakistan on YouTube. TAGSPakistan Super League 2021Pakistan Super League 2021 LIVEPSL 2021PSL 2021 LIVEPSL 2021 timing SHARE Previous articleMTD vs GOZ Dream11 Prediction for Match 24 – ECS T10 Malta – Fantasy Tips, Captain Choices, Playing11, 19 JuneNext articleQUE vs KAR Dream11 Prediction for Super League T20 Match 29 – PSL 2021 Fantasy Tips, Captain Choices, Playing11, 19 June Kunal DhyaniSports Tech enthusiast, he reports on Sports Tech industry and writes on sports products. PSL 2021 New schedule -PSL 2021 SCHEDULEWednesday, June 9: Lahore Qalandars v Islamabad United (8pm)Thursday, June 10: Multan Sultans v Karachi Kings (5pm), Peshawar Zalmi v Lahore Qalandars (10pm)Saturday, June 11: Islamabad United v Quetta Gladiators (8pm)Sunday, June 12: Quetta Gladiators v Peshawar Zalmi (8pm)Monday, June 13: Islamabad United v Lahore Qalandars (5pm), Multan Sultans v Peshawar Zalmi (10pm)Monday, June 14: Islamabad United v Karachi Kings (8pm)Tuesday, June 15: Quetta Gladiators v Lahore Qalandars (5pm); Peshawar Zalmi v Karachi Kings (10pm)Wednesday, June 16: Multan Sultans v Quetta Gladiators (8pm)Thursday, June 17: Islamabad United v Peshawar Zalmi (5pm); Karachi Kings v Lahore Qalandars (10pm)Friday, June 18: Multan Sultans v Lahore Qalandars (8pm)Saturday, June 20: Quetta Gladiators v Karachi Kings (5pm); Multan Sultans v Islamabad United (10pm)Monday, June 21: Qualifier (1 v 2) (5pm), Eliminator 1 (3 v 4) (10pm)Tuesday, June 22: Eliminator 2 (loser Qualifier v winner Eliminator 1) (8pm)Thursday, June 24: Final (8pm)PSL 2021 Replacements: From Shimron Hetmyer to Johnson Charles; check full list of PSL 2021 replaced players Cricket NZSky NZ PSL 2021 when will PSL 2021 be held?PSL 2021 will take place in UAE from June 9, 2021.PSL 2021 when will PSL 2021 final be held?PSL 2021 will take place in UAE from June 24, 2021.PSL 2021 What Time PSL 2021 Will begin? TimePSL 2021 Will begin at 8:30 PM ISTPSL 2021 New schedule -What are the venues for PSL 2021? – VenuePSL 2021 will be played at UAE South Asia (excluding Pakistan)Sony Pictures Network PESHAWAR ZALMI Share on Facebook Tweet on Twitter UAEetisalat CricLife 2 channel no 788 MENA, Aus and Row* PSL 2021 live streaming – PSL Live on Facebook: With Pakistan’s biggest cricketing event HBL Pakistan Super League (PSL) set to return on Wednesday, June 9, 2021, in Abu Dhabi, the Pakistan Cricket Board is collaborating with Facebook to bring the event to the global audience via the platform’s Paid Online Events. Read More:  CarribeanFlow Sports PSL 2021 ISL beat MUL: Mohd Wasim Jr, Shadab Khan shine as Islamabad United defeats Multan Sultans by 4 wickets Taonga: The Island FarmThe Most Relaxing Farm Game of 2021. No InstallEnjoy farming, stock up and make friends. Taonga is a whole world full of adventure!Taonga: The Island Farm|SponsoredSponsoredElvenar#StayAtHome and Play this Fantasy Game. No Install.Elvenar|SponsoredSponsoredThe No Cost Solar ProgramGet Paid To Install Solar + Tesla Battery For No Cost At Install and Save ThousandsThis new program pays homeowners a bonus after installing Solar Panels + Tesla Powerwall for No Cost at install. Take this 30 sec quiz to see if you qualify.The No Cost Solar Program|SponsoredSponsoredHero Wars This game will keep you up all night! Hero Wars |SponsoredSponsoredGraber BlindsWhy Are Homeowners Loving These Shades?80+ years of homeowner trust and satisfaction. Sophisticated style, energy-efficiency, unyielding quality. Limited lifetime warranty.Graber Blinds|SponsoredSponsoredTop Tech TodayRefrigerate A Room In 2 MinutesThis AC turned my room into an icebox quicker than any other AC I’ve triedTop Tech Today|SponsoredSponsored ICC WTC Final: 10 years of Virat Kohli’s Test career, 10 best moments of India’s greatest Test skipper North AmericaWillow TV Cricket 6330060.1391009/115.41013/118.0 WTC final LIVE broadcast: ICC’s mega broadcast plan, India vs New Zealand live streaming starts today in 195 countries IND vs NZ in WTC Final: India batting coach says, ‘score above 250 on Day 3 would be good’, Kyle Jamieson feels it won’t… Cricket 6330060.4631061/112.11066/118.3 For more sports news and PSL 2021 updates, follow us at Cricket center_img United KingdomSky Sports PSL 2021 LIVE online: How ways to watch Pakistan Super League 2021 LIVE for free Cricket 615002-1.662962/120.0955/98.4 ENG W vs IND W Test: Sneh Rana, Shafali Verma shine as one-off Test ends in draw QUETTA GLADIATORS MULTAN SULTANS Virat Kohli completes 10 years in Test Cricket: 10 things you should know about India skipper- check out KARACHI KINGS RELATED ARTICLESMORE FROM AUTHOR Cricket Facebook Twitter ISLAMABAD UNITED LAHORE QALANDARS Cricket By Kunal Dhyani – June 19, 2021 PSL 2021 LIVE online: How ways to watch Pakistan Super League 2021 LIVE for free – The remainder of the Pakistan Super League (PSL 2021) will begin on June 9 and the finals of the tournament will be played on June 24 and Sony Sports to Broadcast Pakistan Super League (PSL) 2021 in INDIAPSL 2021 LIVE Streaming Online –Where will PSL 2021 be broadcasted in India?Sony Sports to Broadcast Pakistan Super League (PSL) 2021 in INDIA Also, PCB has joined hands with Tapmad TV for streaming of the Pakistan Super League 6 matches in Australia, MENA (Middle East and North Africa) regions as well as the RoW* (Rest of the World) Cricket WTC Final LIVE Day 3: Weather forecast again not good, rain & bad-light all set to impact India vs New Zealand Day 3 PSL 2021 LIVE Streaming Online-: Where to watch LIVE stream of Pakistan Super League 6420080.896903/105.1901/117.1 Sub-Saharan AfricaSuper Sports Cricket by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikePSL 2021 Live Broadcast: Sony Sports to broadcast & Sony LIV to Live Stream Pakistan Super League starting from todayPSL 2021 QUE vs PES LIVE: How to watch Quetta Gladiators vs Peshawar Zalmi Live Streaming in your country, India, Follow Live updatePakistan Super League 2021: PSL 2021 Schedule, Live Streaming in India, PSL 6 Teams, Squads; All you need to know 65100100.150982/116.1966/116.2 ICC WTC Final, Ind vs NZ Day 3: Can India survive the Kyle Jamieson storm in Southampton? CricketPakistan Super LeaguePakistan Super League 2021 PSL 2021 New schedule -PSL 2021 squads: Islamabad UnitedShadab Khan, Faheem Ashraf, Alex Hales, Asif Ali, Colin Munro, Hussain Talat, Musa Khan, Zafar Gohar, Hassan Ali, Chris Jordan, Lewis Gregory, Phil Salt, Rohail Nazir, Reece Topley, Iftikhar Ahmed, Mohammad Wasim Jr, Ahmed Saifi Abdullah, Akif Javed.Karachi KingsBabar Azam, Mohammad Nabi, Amir Yamin, Arshad Iqbal, Colin Ingram, Imad Wasim, Mohammad Amir, Sharjeel Khan, Waqas Maqsood, Dan Christian, Chadwick Walton, Joe Clarke, Noor Ahmad, Danish Aziz, Mohammad Ilyas, Zeeshan Malik, Qasim Akram.Lahore QalandarsSohail Akhtar, Fakhar Zaman, Mohammad Hafeez, Ben Dunk, David Wiese, Dilbar Hussain, Haris Rauf, Shaheen Shah Afridi, Rashid Khan, Joe Denly, Samit Patel, Tom Abell, Zeeshan Ashraf, Salman Ali Agha, Mohammad Faizan, Maaz Khan, Zaid Alam, Ahmed Danyal.Multan SultansShahid Afridi, Imran Tahir, Sohail Tanvir, James Vince, Khushdil Shah, Rilee Rossouw, Shan Masood, Usman Qadir, Chris Lynn, Sohail Khan, Mohammad Rizwan, Carlos Brathwaite, Sohaib Maqsood, Sohaib Ullah, Adam Lyth, Shahnawaz Dhani, Muhammad Umar, Imran Khan SrPeshawar ZalmiHaider Ali, Kamran Akmal, Wahab Riaz, Liam Livingstone, Shoaib Malik, David Miller, Mujeeb Ur Rahman, Ravi Bopara, Sherfane Rutherford, Amad Butt, Umaid Asif, Saqib Mahmood, Imam-ul-Haq, Muhammad Imran, Mohammad Irfan, Ibrar Ahmed, Mohammad Amir Khan.Quetta GladiatorsSarfaraz Ahmed, Chris Gayle, Anwar Ali, Azam Khan, Ben Cutting, Mohammad Hasnain, Mohammad Nawaz, Naseem Shah, Zahid Mahmood, Dale Steyn, Tom Banton, Usman Khan Shinwari, Cameron Delport, Qais Ahmad, Abdul Nasir, Saim Ayub, Arish Ali Khan, UsmanPSL 2021 Point Tablelast_img read more

Entries open for Not for Profit IT Project of the Year

first_img AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Entries open for Not for Profit IT Project of the Year About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of Researching massive growth in giving. Tagged with: Awards Technology Howard Lake | 14 June 2012 | News  24 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis BCS, The Chartered Institute for IT, and Computing magazine are looking for the Not for Profit IT Project of the Year, one of the categories in this year’s UK IT Industry Awards.The award will be presented to a not-for-profit sector organisation for the most outstanding project completed during the past 12 months. To qualify, the organisation simply has to have used IT to benefit the organisation or its clients.Last year, the Not for Profit IT Project of the Year was won by South West Grid for Learning Trust.David Clarke, MBE, Chief Executive Officer of BCS, The Chartered Institute for IT, says: “IT is at the heart of almost everything we do these days – so it’s important that everyone has access to it. We are looking for charities or projects that have employed technology to make a real difference to the community. ”The closing date for entries is 17.00 on 6 July read more

Ann Arbor, Mich., students help stop foreclosure

first_imgWW photo: David SoleLed by students from the University of Michigan, protesters picketed Dec. 1 at the PNC Bank in Ann Arbor, Mich., demanding that Jerome Jackson’s home not be foreclosed and he be evicted from it. PNC, working on behalf of federally owned Fannie Mae, is trying to put Jackson, who uses a wheelchair due to paraplegia, out on the street after Wayne County went back on its agreement to pay part of his mortgage.The Moratorium NOW! Coalition to Stop Foreclosures, Evictions and Utility Shutoffs, along with Wayne County Commissioner Martha Scott, has called for a public meeting on Jackson’s case on Dec.18 at 1 p.m. at the Guardian Building (which houses the Wayne County offices), located at 500 Griswold in downtown ­Detroit. For more information go to ­ thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Mark Kingma May 3rd update

first_img SHARE Home News Feed Mark Kingma May 3rd update Facebook Twitter Mark Kingma May 3rd update Facebook Twitter In mid April during a HAT Field Update Mark Kingma in northwest Indiana said he was ready to plant but resisting out of concern for frost. But on an 80 degree Thursday just two weeks later the Jasper County farmer was sailing along planting in perfect conditions.[audio:|titles=Mark Kingma update]Audio Player Up/Down Arrow keys to increase or decrease volume.Podcast: Play in new window | Download | EmbedSubscribe: RSS By Andy Eubank – May 3, 2012 SHARE Previous articleCorn Recovering from Cool Wet AprilNext articlePerfect Planting Week Andy Eubanklast_img read more

Making the Replant Decision

first_img SHARE By Gary Truitt – May 28, 2014 No matter what – soybean growers often face the decision on whether or not to replant. DuPont Pioneer agronomists have a few factors they suggest soybean growers consider before making a final decision regarding replanting. One of those factors is stand assessment – which the agronomists say is often deceptive shortly after emergence. Next – they say growers should consider that seed treatments have an extra level of protection against early season insects and diseases for the plants that did or will emerge. The only way to calculate the difference between the current plant population and the goal population is to count plants – while counting questionable plants as one-half. From there – yield potential can be estimated. Agronomists say soybeans in the vegetative stage can compensate well for thin stands. Also – one-half of a stand may produce close to 90-percent of normal yield while one-fourth may produce 75-percent of normal yield. Agronomists say a stand of three to four plants per foot in 30-inch rows is acceptable – as long as there are no large gaps and weeds are controlled. Facebook Twitter Facebook Twitter Home News Feed Making the Replant Decision Making the Replant Decision SHARE Previous articleAmerican Ethanol Announces Plans to Support Active Duty TroopsNext articlePioneer Agronomy Field Update 5/28/14 Gary Truittlast_img read more

Frogs edge pesky Ball State, continue home winning streak

first_imgTwitter What to watch during quarantine Linkedin Twitter printThe Frogs squeezed by a vexing Ball State squad Friday night with a 2-1 victory in a very tough battle.Coming off a weekend where the Horned Frogs suffered their first loss of the season, senior forward Emma Heckendorn said the team came into this weekend with a different mentality.“We all banded together,” Heckendorn said. “We knew that we outplayed [Colorado] but didn’t get the result that we wanted, so we came into this game knowing it was going to be a fight and we needed to pick ourselves up. I believe we did.”Head coach Eric Bell said the loss didn’t affect the way the team prepared for this weekend.“It’s all the same,” Bell said. “We focused on some certain things, but coming into the game, we had to figure out what we needed to do to win the game. After we lost to Colorado, we figured out a way to get a win at Northern Colorado, and we got the win tonight.”In the first few minutes, the Frogs established their early dominance in the game and got off to an early lead over the Cardinals.Heckendorn got the scoring started for TCU in the 11th minute. Senior defender Ryan Williams sparked the opportunity with a mid-field interception. She quickly tapped the ball outside to senior forward Allison Ganter. Ganter fed the ball upfield to junior midfielder Kayla Hill who recorded the primary assist on the goal. Heckendorn received the pass from Hill in the box and snuck the ball in between the legs of the Cardinal’s goalkeeper.The goal marked Heckendorn’s third goal of the season and 15th of her career.The Frogs doubled the lead in the 22nd minute on a Ganter header into the bottom-right corner of the goal. The goal came off a throw-in from Heckendorn in give-and-go fashion to freshman midfielder Yazmeen Ryan. Ryan immediately passed the ball to Heckendorn in the corner, and Heckendorn crossed the ball to Ganter, who capitalized on the opportunity. Ganter tallied her second goal of the season and seventh career game-winning goal.Heckendorn earned herself a night to remember. With the assist, Heckendorn became TCU’s all-time career assist leader.“It’s nice to have, but at the end of the day [the record] just a statistic,” Heckendorn said. “At the end of the day, getting assists is nothing without getting the goal. It’s all about them.”For the last 23 minutes of the half following TCU’s second goal, the Cardinals played the Frogs tightly and didn’t allow for many strong scoring chances for the Frogs.“I think they tried to make it hard, but I think we made it harder on ourselves,” Bell said. “I give them credit for making it hard on us, but after we scored the first two goals we hit the easy button, relaxed and let them back into the game.”The Frogs allowed their first goal at home this season in the 24th minute of the game. After an interception in their own box, the Frogs allowed a point-blank opportunity for Ball State, who shot the ball past sophomore goalkeeper Katie Lund.The play in the second half did not differ from the first half. As neither team budged on the scoreboard, play started to become physical and chippy. In the second half, Ball State earned two yellow cards and TCU’s freshman midfielder Whitney Sullivan recorded TCU’s only yellow card in the period.Heckendorn said the pesky Cardinals caught the Horned Frogs off guard.“We pride ourselves on being a physical team,” Heckendorn said. “When a team comes out and matches that, it throws us off. I think towards the end we stepped up and matched their level of physicality.”The Cardinals outshot the Frogs 7-3 in the second half, but Lund stood tall in goal and made three huge saves in the final 12 minutes to keep the lead for the Frogs.The Frogs will return to Garvey-Rosenthal Stadium Sunday to take on the Missouri Tigers. Kickoff is set for 7:00 p.m. and the game will be televised on Fox Sports Southwest. ReddIt Two students joined harassment and discrimination lawsuit against TCU Robbie Vaglio Facebook Another series win lands TCU Baseball in the top 5, earns Sikes conference award TCU baseball finds their biggest fan just by saying hello Robbie Vaglio A record night for Heckendorn as Frogs squeeze past chippy Ball State squad Robbie Vaglio Snow temporarily stepping down as honors dean TCU rowing program strengthens after facing COVID-19 setbacks Robbie Vaglio Facebook I am the executive editor of TCU 360 from Raleigh, North Carolina. If you walk by my desk in the newsroom you’ll immediately know I’m Post Malone’s biggest fan. I’m always looking for a good story to tell! If you have any story ideas, feel free to reach out! Go Panthers! Robbie Vaglio + posts TCU wants ex-professor’s discrimination suit dismissed Previous articleKoehler Center finds new home in campus storeNext articleHorned Frogs fall to Colorado State in 5 sets Robbie Vaglio RELATED ARTICLESMORE FROM AUTHOR Linkedin ReddItlast_img read more

Support for strike by journalists tomorrow in Kiev

first_img News March 26, 2021 Find out more February 26, 2021 Find out more UkraineEurope – Central Asia Organisation August 20, 2010 – Updated on January 20, 2016 Support for strike by journalists tomorrow in Kiev Crimean journalist “confesses” to spying for Ukraine on Russian TV Reporters Without Borders plans to attend the 26 August hearing at which a court will issue its ruling on the appeal by independent stations 5 Kanal and TVi against the government’s withdrawal of their licences.The authorities insist that this is just a commercial dispute between these two stations and the powerful Inter Media Group, but in fact major political interests are at stake. Inter Media is owned by the head of the Ukraine’s main security service, the SBU, who also happens to be a very influential member the Judiciary Supreme Council.Many cases of censorship of different kinds were brought to Reporters Without Borders’ attention during a visit to Ukraine last month to evaluate the press freedom situation. At a news conference on the final day of the visit, Reporters Without Borders urged the authorities to “defend press freedom with greater energy.” Help by sharing this information Ukrainian media group harassed by broadcasting authority Reporters Without Borders supports the strike which, according to the Radio Free Europe/Radio Liberty website (…), journalists plan to stage in Kiev tomorrow to protest against the government’s attempt to strip several TV stations of their broadcast licences.Contrary to what Reporters Without Borders reported in an earlier release, it was not the “Stop the censorship” movement that initiated the strikeReporters Without Borders plans to attend the 26 August hearing at which a court will issue its ruling on the appeal by independent stations 5 Kanal and TBi against the government’s withdrawal of their licences. News UkraineEurope – Central Asia News Receive email alerts RSF_en Ukraine escalates “information war” by banning three pro-Kremlin media News to go further Follow the news on Ukraine September 7, 2020 Find out morelast_img read more

French journalist’s material seized as she leaves Cuba

first_img October 15, 2020 Find out more October 12, 2018 Find out more RSF and Fundamedios welcome US asylum ruling in favor of Cuban journalist Serafin Moran Santiago Help by sharing this information Follow the news on Cuba RSF_en CubaAmericas Organisation May 6, 2020 Find out more November 22, 2002 – Updated on January 20, 2016 French journalist’s material seized as she leaves Cuba to go furthercenter_img Cuba and its Decree Law 370: annihilating freedom of expression on the Internet Receive email alerts News News New press freedom predators elected to UN Human Rights Council Reporters Without Borders protested against the Cuban authorities’ confiscation of the files and photographs of French journalist Catherine David, who had entered Cuba on a tourist visa to report on the human rights situation and dissidents. The organisation also reiterated its complaints about the limitations on press visas granted to foreign journalists, which force many of them to carry out their work in Cuba illegally.”In reality, the purpose of this visa policy is to control press reporting and Cuba’s image,” Reporters Without Borders secretary-general Robert Ménard said in a letter to the interior minister, Gen. Abelardo Colomé Ibarra. It constitutes a curb on the freedom to “seek, receive and impart information and ideas through any media and regardless of frontiers” guaranteed by article 19 of the Universal Declaration of Human Rights, Ménard said, calling for the immediate return of David’s material.David, who works for the French weekly Le Nouvel Observateur, was stopped at Havana international airport on 8 October as she was going through customs with a friend who is a sculptor and photographer. They were led to a room in the airport’s basement where their bags were searched thoroughly. All the files on David’s computer were copied. Her audio tapes containing interviews with dissidents and all her notes were confiscated. All of her rolls of film as well as several books and reports on the human rights situation in Cuba were also seized. The customs officials also copied all of the pages in David’s address book. In Cuba, law 88 of March 1999 provides for up to eight years in prison for any person assisting the foreign news media.After missing their flight because of the length of the search, the couple was finally able to leave Cuba two days later. David’s requests for the return of her material which she has since then addressed to the Cuban customs agency have so far been in vain.Recent unsuccessful requests for press visas include that made in late 2001 by a journalist with the Guatemalan daily Siglo XXI, who applied to go to Havana to cover the trial of three Guatemalans facing the death penalty on “terrorism” charges. The Cuban consulate in Guatemala City turned his application down. News CubaAmericas Newslast_img read more

Is the Sky Falling Over the Housing Market?

first_img Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Is the Sky Falling Over the Housing Market? Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago mortgage mortgage servicing 2018-02-14 David Wharton  Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago Editor’s note: This story was originally featured in the February issue of DS News, out now.As we go deeper into 2018, it’s safe to say the housing industry is poised for further growth. More first-time homebuyers are reported to be flooding the market and evidence of this is that mortgage applications rose 8.3 percent in the beginning of the new year, according to Mortgage Bankers Association’s (MBA) latest report. Even refinance volume, which was predicted to be in a serious slump in 2017 after a banner year in 2016, seems to now be on an upward trajectory. So, why the pessimistic headline?Headlines like this seem to be all over the place—from the National Association of Realtors (NAR), to the National Association of Home Builders, to the MBA, and many more. Loud concerns have been voiced over the future of housing and homeownership. Of course, much of that conversation is the result of the latest tax reform law—the Tax Cuts and Jobs Act—and how it will affect housing. Some say the new tax laws could cause the housing market to cool and home values to drop. This is an already toned-down reaction from when tax legislation was first introduced. An earlier version of the bill prompted NAR to publish a detailed state-by-state analysis that estimated all 50 states will experience drops in home values.No doubt, many homeowners are pausing to assess where the chips will fall before they make big home buying and selling moves. For housing and mortgage industry professionals, this is the time to step up into an advisory role to calm clients’ nerves and to offer solutions. Personal political feelings toward the new act aside, an opportunity exists to stay one step ahead of questions customers may have and to ease the cold feet they may experience. Understanding the ChangesIt’s true that the new tax laws will impact housing in a few key ways. Some of the most-discussed changes include:Capping of the mortgage interest deduction to $750,000, down from $1,000,000Requiring a longer occupancy period (up from two years to five years) to avoid a capital gains taxA new cap of $10,000 for combined real estate, local, and state tax deductions for taxpayers who choose to itemizeHowever, what we need to recognize about tax reform is that it’s not a standalone event that could affect home value but rather one of many factors impacting the larger housing market.Many factors could trigger falling home prices: interest rate hikes, geopolitical tensions, terrorist attacks, large company layoffs (for example, the GE layoff of 12,000 employees and Wal-Mart closing 63 Sam’s Club stores), an overheated stock market, and signs of a pending correction. In addition to event-triggered risk factors, the truth is while homeownership is an excellent long-term wealth builder, home prices do not rise in an ascending straight line. Home values in any given market can experience peaks and valleys, historically in seven- to 10-year cycles, according to housing economists. Even prior to the details of the tax bill being released, there were signs that markets such as Las Vegas, Dallas, and Denver were already slowing down after being on a tear in early 2017. Real estate agents and lenders understand the housing market is unpredictable and homebuyers’ confidence could turn on a dime. As current home prices continue to rise, it becomes clearer that the longer-term home value outlook may need to be dialed back due to wage growth that is not in keeping up with those increases. The industry could very well expect to see fewer closings when we hit the tipping point of a too-hot market. Helping Buyers Protect Their Investment No one has a crystal ball, not even the experts. However, there are new ways for homebuyers to control how they buy homes that safeguard their investments. Lenders know the risk of market fluctuations and try to minimize their exposure—that’s why they ask homeowners to purchase private mortgage insurance to protect the lender’s loan investment in the event a market downturn occurs and the home value declines. Now, homebuyers can protect themselves the same way. Lenders and homebuyers are becoming more aware that down payment protection will add a layer of much-needed risk reduction. It safeguards a homebuyer’s investment in a new home purchase—the down payment. If the market corrects and they sell their home for less than what they paid, their loss is reimbursed back to them. This is a homebuyer’s version of private mortgage insurance.Currently, without down payment protection, lenders walk away with the loan amount intact; even if the borrower defaults, private mortgage insurance kicks in. The homeowner is left holding the bag, paying for 100 percent of the loss, or default, and if they are foreclosed, they lose their down payment and damage their credit. In other words, homebuyers pay to protect mortgage lenders’ investment, but their investment is left exposed to market risks. None of this would happen if they have down payment protection, even if the market experiences a downturn after the current highs. But it is not entirely an altruistic move to think about stepping up to protect homebuyers’ investments. Market uncertainties and risk concerns are two of the reasons millennials have been slow to convert to homebuyers. Without a steady influx of a new generation of homebuyers, our market will shrink. Many young people simply cannot afford a down payment to buy in today’s expensive market, but even among those who can, increasingly many enjoy the flexibility and the reduced risks of not putting all their (nest) eggs in a basket that is being poked by so many forces beyond their control. The paradox is even though a rental home is not in the renter’s name, oftentimes, the renter feels as if they have more control of their own life and their finances by living there. Think about it—they can move and relocate for a new job without having to sell a home, they do not have to worry about losing a big chunk or all of their hard-earned savings if some foreign dictator far, far away suddenly starts a war that could trigger a housing crash. Unlike the industry, they do not have a financial safety net. They may pay for mortgage insurance, but it does nothing to ensure their own financial interest. In the new age of information and self-education, of transparency and accountability, homebuyers are learning what could be at their disposal and what’s missing, which lenders and real estate agents are offering extra value by looking out for their interests, and which ones are not. More homebuyers will soon ask for down payment protection so the industry has to be ready. If you do not offer it, they will find a lender who does. Predicting the Future of the MarketIn good times when demand is high and loans are closing left and right, few people question the status quo and what changes could further empower the homebuyer. But we should ask those questions now. Remember, it really was not that long ago when the real estate market was on a hot streak. Loans—including some of the subprime varieties—were practically writing themselves. It would be nice if we learned our lessons—and more importantly, prove that we care about our customers and want to look out for homebuyers’ interest. It’s their hard-earned savings that power this $31.8 trillion housing industry. It’s our job and responsibility to look out for their families and their down payments. Many uncertainties are in the news. There are signs that consumer confidence is wavering and homebuying confidence is down, and that was before the new tax bill actually went into effect and the potential of four more interest rate hikes during the next 12 months loomed. It’s time to offer customers new mortgage products that match their new homebuying demand, instead of waiting for them to ask us. This should be done before the next housing correction to prevent the sky from falling.center_img Tagged with: mortgage mortgage servicing February 14, 2018 2,682 Views Share Save The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Is the Sky Falling Over the Housing Market? 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