TORONTO – Ten people were killed after a van mounted a sidewalk along a busy street in north Toronto on Monday, ramming into pedestrians in its path. Here’s what we know so far about the victims:Munir AlnajjarAlnajjar, a Jordanian citizen in his 70s, was visiting his family in Toronto with his wife. He had only been in the country for a couple of weeks when the van attack took place, according to Harry Malawi, a family friend and president of the Jordanian Canadian Society.The family is in the midst of a three-day mourning period, said Malawi.“They are secluded right now and they ask everybody to accept their privacy,” he said. “We stand together, we want to help the family heal…physically, psychologically, emotionally and financially, they need all the help they can get.”Renuka AmarasinghaAmarasingha was an active member of Toronto’s Sri Lankan community. A monk at a Toronto Buddhist temple Amarasingha frequented said she was a single mother of a seven-year-old boy.Ahangama Rathanasiri said Amarasingha attended regular services at the temple and brought cookies to Sunday school students every week.The Toronto District School Board said she had worked as a nutrition services staff member for the board since 2015.They said Amarasingha had just finished her first day of work at Earl Haig Secondary School when she was killed Monday.Anne Marie D’AmicoD’Amico worked at Invesco Canada, a U.S.-based investment firm with offices near the scene of the attack, and was remembered by those who knew her as a cheerful, friendly person.Tennis Canada said D’Amico had volunteered at its marquis Rogers Cup tournament every summer since the age of 12, starting out as a “ball girl” and eventually heading its stadium control committee.“She was a really friendly, warm person … always caring for other people ahead of herself,” said Gavin Ziv, vice-president of national events for Tennis Canada.D’Amico had attended Ryerson university in Toronto and a fellow alum remembered her as an active student leader with top grades, a wide social circle and an indelible smile.“Whether you kept in touch with her very closely or you didn’t talk to her for this past year, it just felt like you saw her smile yesterday,” Abdullah Snobar said.Betty ForsythForsyth was a resident of a Toronto Community Housing complex in the area where the van attack occurred. A neighbour said Forsyth’s nephew called her to say she had died.Mary Hunt described Forsyth — who she said was in her 90s — as a “lively person” who loved to feed the birds and squirrels on her regular walks through the neighbourhood.“Everybody knew Betty because she used to walk in the morning to feed the animals,” she said.“I will miss her,” the 84-year-old said of Forsyth, who had been her neighbour for more than 10 years.Chulmin (Eddie) KangKang, who worked at the Copacabana Brazilian Steakhouse in downtown Toronto, was identified by co-workers as one of the victims.Joao Barbosa wrote on Facebook that Kang’s “daily happiness” was being missed at the restaurant.“It’s unbelievable that we lost you Eddie,” he wrote. “In our last encounter you called me ‘Amor mio’ smiling to me when I arrived at Copacabana … Rest in peace.”Mailee Ly, another co-worker, remembered Kang as a warm, friendly presence at the restaurant.“It hurts knowing I won’t be able to see your bright smile every weekend, or hear you say ‘Hi’ to everyone in your energetic voice,” she wrote on Facebook. “I don’t think you knew the touch and influence you had on everyone at Copa, simply because of your kind nature, and passion for cooking.”Dorothy SewellSewell’s death was confirmed by her grandson, Elwood Delaney, of Kamloops, B.C.Delaney described his 80-year-old grandmother as an avid sports fan who “almost had as much love for the Blue Jays and Leafs as she did for her family.”“(She was) the best grandmother anyone could have asked for,” he said.
WINNIPEG – There were 20 allegations of sexual harassment and hundreds of accusations of other misconduct among Manitoba civil servants in the last fiscal year, the Progressive Conservative government said in a report released Tuesday.Seven of the sexual harassment allegations were substantiated, although the government would not say how many people, if any, were fired.“We know it took tremendous courage for each and every one of these complainants to come forward, and so we were very grateful … that we could get a snapshot of what we were dealing with,” said Rochelle Squires, minister responsible for the status of women.The report is the first time the province has released statistics on the number of complaints related to harassment, bullying and misconduct among the 14,000 members of the civil service, political staff and politicians. The data did not include areas of the broader public sector such as hospitals and schools.The Tories announced in February the new attempt to track and report complaints after female staff came forward with allegations that Stan Struthers, a former NDP cabinet minister, had tickled and groped them.The women alleged that their complaints about Struthers, who left politics in 2016, were never addressed by senior political staff at the time.The province has hired an outside law firm to recommend improvements to its harassment policies.A report is expected this summer. The government has also made it mandatory for managers to forward any complaints of harassment to the civil service commission.“We want to make sure that people throughout the civil service feel confident that they’re in a workplace that’s protective and secure,” Premier Brian Pallister said.The report also said there were 105 allegations of bullying and non-sexual harassment in the last fiscal year, of which 63 have been substantiated so far.There were another 351 allegations of other forms of misconduct — everything from conflict of interest to potential fraud — of which 300 have been substantiated to date.The NDP, now in opposition, accused Pallister of engaging in harassing behaviour in the legislature chamber.The premier often responds in intimidating ways when asked questions, NDP house leader Nahanni Fontaine said, by looking angrily at his opponent.“Imagine from a woman’s perspective, when you have the premier of Manitoba, that is directing his questions to you in a very aggressive and threatening manner. It makes it increasingly difficult to do your job,” Fontaine said, surrounded by other female legislature members from her party and the Liberals.“I just feel so threatened and so intimidated,” added Liberal member Judy Klassen.Several women from the Tory caucus quickly fired back at an impromptu news conference, pointing out it was two NDP members that were chastised by the legislature Speaker in 2016 for targeting them with cries of “shame” during a vote in the chamber. Male Tories were not subjected to the cries.Justice Minister Heather Stefanson said heated words and pointed fingers are an every day experience in the legislature.“There are members of the opposition as well who don’t put their questions directly through the Speaker and who do look over at us … it’s part of the job that we do in the legislature.”
JERUSALEM — The Bank of Israel’s new governor says the country’s financial stability should not be taken for granted in a period of “numerous changes in financial markets.”Amir Yaron took office Monday following several weeks of volatility in Israeli and international markets. At a ceremony in the presence of Israel’s president, prime minister and other dignitaries, Yaron says his immediate challenge is “the normalization of monetary policy.” He says he views the interest rate as “the main and most effective tool” for directing such policy.The University of Pennsylvania business school professor is an Israeli national who has taught banking and finance at the Wharton School since 2009. He replaces outgoing Bank of Israel Governor Karnit Flug, who recently concluded her five-year term.The Associated Press
14 January 2010At 4:53 p.m. on Tuesday David Wimhurst, United Nations Communications Director in Haiti, was working on the third floor of the Christopher Hotel, headquarters for the world body’s mission in the capital, Port-au-Prince, when the massive 7.0 magnitude quake struck. “It accelerated with extreme violence,” he told a news briefing in New York by video-conference from ground zero today. “The entire building was shaking violently and I was hanging on to furniture just to stop myself from being thrown around the room and praying that the big concrete pillar in the middle of my office would not break and bring the whole building down on me.“When it subsided, the central part of the MINUSTAH [UN mission in Haiti] headquarters had collapsed and blocked off access to the outside from my office so all the people like me had to get out of my window and go down three storeys on a ladder, a rather rickety ladder,” he said of the quake that had turned much of the hotel into a pile of rubble.Scores of UN staff were killed or injured and some 150 others are still unaccounted for, including Secretary-General Ban Ki-moon’s Special Representative Hédi Annabi, both in the hotel and elsewhere. It must be expected that more bodies will be found as the concrete is moved, said Mr. Wimhurst, adding that he thinks the final overall Haitian toll, which some have estimated at scores of thousands, will be very large. In another part of town Kim Bolduc, the Deputy Special Representative of the Secretary-General and UN Humanitarian Coordinator in Haiti, was working on the second floor of the main UN Development Programme (UNDP) building when the quake struck.“It was extremely violent, I didn’t even have time to seek cover,” she told the same briefing. “I was sitting on my chair and holding on to the table. Everything collapsed around. I saw the wall in front of me opening up with a very large crack and I was just hoping that it would stop. It lasted a long time.”The building was very badly damaged but still standing, while a second UNDP building across the street collapsed completely.Ms. Bolduc, a Canadian citizen of Vietnamese origin, described heart-rending scenes in the aftermath – “many bodies on the streets, a lot of injured just lying around, houses destroyed, very new and lush buildings just collapsed, the situation is very dire” with people sleeping in the streets.“People are all in a state of shock, they’re not really talking, they are just gathering and sitting together, just waiting for something to happen and fearing aftershocks,” she added.Mr. Wimhurst, also a Canadian, warned of potential anger among the population as their expectations outrun the ability of humanitarian organizations to meet their needs. “It’s a hopeless situation,” he said. “They want us, they expect us to provide them with help, which is of course what we want to do but we’re not in a situation yet where we can do that on a massive scale and, unfortunately, they’re slowly getting more angry, I think, and impatient…“We’re all rather aware of the fact that the situation is getting more tense as the poorest people, who do not need so much, are waiting for deliveries, and of course we’re trying to do everything we can to get them the help they need. I think tempers might become frayed.”He said he was confident that MINUSTAH had sufficient numbers of military and police in the Port-au-Prince area to handle the situation, but it would bring in reinforcements from others parts of the country if necessary.“One of the problems is that the national Haitian police are not visible at all, they’ve simply vanished, they’ve disappeared so all law and order requirement have to be maintained by us,” he added, although he said this was not a criticism of the police since their family members had been killed or injured and their homes destroyed.MINUSTAH was set up in 2004 after then president Jean-Bertrand Aristide went into exile amid violent unrest. Currently it has more than 9,000 military and police personnel and nearly 2,000 civilian staff.
(Updated) A motorcyclist is fighting for his life after an early-morning collision with a pick-up truck.It happened on Regional Road 20 at Woodburn Road just after 6:30 am. Hamilton Police say the truck was heading westbound on Regional Road 20 when the driver tried to make a left turn on to Woodburn; that’s when he slammed in to the motorcycle. The truck’s driver suffered minor injuries. Collision investigator Matt Hewko told CHCH News any crash involving a motorcycle is serious. “The motorcyclist doesn’t have all the crumple zones and the safety mechanisms that everybody in a four-wheel vehicle has. Even though this was a side impact for the pick-up truck, they still have all of the doors and the safety mechanisms inside to keep this driver and passenger safe. With a motorcyclist we don’t have that unfortunately.” Road and weather conditions are still being investigated; alcohol has been ruled out.Regional Road 20, a major route for traffic between Hamilton and Niagara, was closed for several hours for the investigation; police want anyone with information to give them a call.
The announcement came as the UNICEF-backed “No Lost Generation” initiative released its new report at a key meeting on the margins of the UN General Assembly, confirming that educational assistance had already reached some 770,000 Syrian children affected by the violence while another 660,000 children had received psychological support. Speaking at the report’s presentation, UNICEF Executive Director Anthony Lake underscored the importance of assisting the war children, adding that Syria’s youths were the pillars of the country’s future. “Helping the children of Syria is investing in the future of Syria, as today’s children are tomorrow’s doctors, teachers, lawyers and leaders,” Mr. Lake declared.A UNICEF report released in March 2014 highlighted the vulnerability of this generation of Syrian children, noting that up to a million youth remained trapped in under-siege and hard-to-reach areas where they lived in rubble and struggled to find food, medical care or psychological support. It also noted that 1.2 million children lived abroad in host countries, populating crowded refugee camps and beleaguered host communities with scarce resources. The “No Lost Generation” initiative’s new findings noted, however, that host communities and other partners have managed to make “significant progress” in reaching those displaced children with assistance. According to the report, enrolment in formal and non-formal education registered a 188.5 per cent increase since 2013 while 128,000 pupils were helped to attend school clubs in volatile cross-line areas. In addition, 72,000 children inside Syria and 587,000 refugee children living in host countries were provided with psycho-social support. Despite the gains, the report also found that adolescents were particularly vulnerable and underserved, leaving them exposed to the lure of armed groups. The creation of opportunities to prevent them from succumbing to Syria’s deepening violence remained a “critical” necessity amid the overall effort to save the country’s children, the report warned.“Investing in this generation is helping them acquire the skills and knowledge they will need to rebuild their communities when peace returns,” continued Mr. Lake. “We need to heal their hearts and minds. And there is much more to be done.”
The Greater Niagara Chamber of Commerce’s February networking event, Business After Five, will be hosted by Brock University’s Goodman School of Business. Business After Five is a regular monthly networking event hosted by different Chamber members.Greater Niagara Chamber of Commerce (GNCC) members will have the opportunity to meet and mingle with fellow chamber members and their guests. The GNCC represents more than 1,500 businesses across Niagara.Business After Five will be held on Feb. 3, from 5 p.m. to 7 p.m. in the ScotiaBank Atrium, Cairns Family Health and Bioscience Research Complex.The Goodman School of Business will be showcasing their community focused services including:• Goodman Career Development Office • Goodman Service-Learning• Centre for Innovation, Management and Enterprise Education (CIMEE)• BioLinc• Co-op Programs Office• Goodman School of Business Consulting Group• Goodman Graduate Programs• Student clubsMembers of the University community are welcome to attend this free networking event.
In order to obtain the award, which counts towards a school’s league table position, students must obtain five good GCSEs in maths, English literature, English language, at least… The EBacc has been championed by the Government since being established in 2010 by the former education secretary Michael Gove in a bid to reverse the “dumbing down” of GCSEs. GCSE reforms have led to a drastic decline in music and arts and must be scrapped, the man who created the qualification has said. Lord Kenneth Baker, who was education secretary under Margaret Thatcher, has blamed the English Baccalaureate – known as the EBacc – for “squeezing out” technical, cultural and creative subjects from secondary schools.
EVERY WEEKDAY EVENING, TheJournal.ie brings you up to speed with the five things you should know as you head out the door.1. #CRECHE: Links Childcare, one of the creches at the centre of the controversy arising from a Prime Time undercover investigation, has said it “deeply regrets” the distress that has been caused. Meanwhile, the Taoiseach Enda Kenny told the Dáil he was shocked by what he saw in the programme and wondered “God knows what has happened in other locations.”2. #PROPERTY TAX: “Less than five per cent” of homeowners are set to miss property tax deadline. That’s according to the Revenue chairwoman Josephine Feehily who says that 1.72 million properties are accounted for out of an estimated 1.9 million. The deadline for filing for the property tax is 8pm this evening.3. #MICHAELA PICTURES: The editor of the Sunday Times in Mauritius was found guilty today of publishing images of Michaela McAreavey’s dead body. Imraan Hosany’s lawyers confirmed that their client would appeal the decision to the Supreme Court. The 27-year-old school teacher was killed while she was on honeymoon at he Legends Hotel on the island in January 2011.4. #ALCOHOL: Irish people drink 700 times more than they should and are at a high risk of cancer as a result. The most recent figures show the average drinker aged over 15 consumes over 11 litres of pure alcohol every year.5. #HADFIELD REPLACED: The International Space Station has welcomed three new members – Russian Federal Space Agency cosmonaut Fyodor Yurchikhin, who will eventually take over from Chris Hadfield as commander of the ISS, NASA astronaut Karen Nyberg and European Space Agency astronaut Luca Parmitano. Their expedition will last 166 days.
Facebook Twitter: @NeosKosmos Instagram One of America’s wealthiest men Greek American George P. Mitchell – the man who revolutionised oil exploration through fracking – died on July 26 in Galveston, Texas. He was 94. Mitchell was the son of a Greek immigrant whose family migrated from Greece to the USA in the 1900s – a time when a vast majority of Greek nationals were turning to America for opportunities. And, unbeknownst to his father, George Phydias Mitchell was set to become one of the wealthiest men in the US. Born in Galveston on May 21, 1919, Mitchell’s parents, who had come to the United States from Greece separately around 1900, ran a shoeshine parlour in Galveston. His father, soon after arriving in the United States, took the name Mike Mitchell from an employer handing out paychecks who couldn’t say his real name, Savvas Paraskevopoulos, according to an article in the Houston Chronicle. Mitchell developed an interest in oil and gas while working in the oil fields for his older brother, Johnny, around age 17. He graduated in 1940 with a degree in petroleum engineering and an emphasis in geology from the Agricultural and Mechanical College of Texas, now known as Texas A&M University, in College Station. After serving in the Army Corps of Engineers during World War II, Mr Mitchell in 1946 joined a newly formed oil exploration company, Oil Drilling, which eventually became Mitchell Energy & Development Corp. and went public in 1972. Mitchell and his brother were early partners in the company. Mitchell participated in about 10,000 wells over his career. His company drilled its first well in the Barnett Shale in 1981 and developed fracturing and horizontal-drilling techniques to unlock gas trapped beneath hundreds of feet of rock, according to Mitchell’s company. In his late 80s, Mr Mitchell turned his attention back to another shale play, this time bankrolling rigs in the Marcellus Shale formation in Pennsylvania for a company headed by his son Todd and Joe Greenberg, a geologist. The Marcellus Shale formation has since emerged as the largest US gas resource, holding the equivalent of 330 trillion cubic feet of recoverable gas, according to ITG Investment Research. The new abundance of cheap gas transformed the US industrial landscape, prompting new investment in power plants that use gas to generate electricity and accelerating the demise of older coal and nuclear plants that were more expensive to repair and operate. His dogged pursuit of the natural gas he and others knew were trapped in wide, thin layers of rock deep underground brought a new – and enormous – trove of oil and gas within reach. His controversial breakthrough led to a revolution in oil and gas production in the US, one that is expected to migrate around the world. The US is now the world’s largest producer of natural gas and is on track to overtake Saudi Arabia as the world’s biggest oil producer by the end of the decade, according to the International Energy Agency. The fracking boom sent natural gas prices plummeting, reducing energy costs for US consumers and businesses. And by boosting US oil production, it has sharply reduced oil imports. It has led to a dramatic reduction in carbon dioxide emissions and emissions of toxic chemicals such as mercury in the US by replacing coal in electric power generation. At the same time, some environmentalists worry the fracking process or the disposal of fracking wastewater can leak into drinking water supplies and contaminate them. Mr Mitchell’s idea was to go directly to the sedimentary rock holding the oil and gas, essentially speeding up geological processes by thousands of millennia. He figured out how to drill into and then along layers of gas-laden rock, then force a slurry of water, sand and chemicals under high pressure into the rock to crack it open and release the hydrocarbons. This process, horizontal drilling and hydraulic fracturing, is now common industry practice. Engineers after Mr Mitchell learned to adapt the process to oil-bearing rock. A family statement said Mr Mitchell “will be fondly remembered for flying in the face of convention – focussing on what could be, with boundless determination – many times fighting through waves of scepticism and opposition to achieve his vision”. For the entire oil and gas age, drillers had searched for hydrocarbons that had seeped out of layers of sedimentary rock over millions of years and collected into large pools. Once found, they were easy to produce. Engineers merely had to drill into the pools and the natural pressure of the earth would send huge volumes of oil and gas up to the surface. “He was a visionary,” said James Rebello, who worked at Prudential Securities when it financed a small part of the exploration and production side of Mr Mitchell’s group. This year, the annual Forbes list of wealthiest Americans ranked Mitchell 239th. Sources: Huffington Post, Forbes, Bloomberg
Former Tottenham midfielder Jamie Redknapp says Chelsea transfer target Abdoulaye Doucoure is also linked with a potential move to Tottenham.The Watford midfielder has enjoyed an impressive campaign for the Hornets, netting nine times, that has seen him linked with a move away this month.“Of course your head will be turned,” Redknapp said on Sky Sports via Daily Star.“He might look at it as his big opportunity as a player.“This is no disrespect to Watford who have had a brilliant season.“But these opportunities don’t come around very often.Premier League Betting: Match-day 5 Stuart Heath – September 14, 2019 Going into the Premier League’s match-day five with a gap already beginning to form at the top of the league. We will take a…“If Chelsea were to make a late bid for you, of course, you’d want to take it.“Financially to go and play for one of the best clubs, Champions League football, obviously not at Chelsea, but Champions League football would be a pull as well.“I heard about Tottenham as well maybe being mentioned for him.“He is a real talent, I really like him.“It’s hard sometimes to turn down these moves when they come along.”
Tags: Air Canada, British Columbia, WestJet B.C. wildfire emergency prompts rebooking options from Air Canada, WestJet << Previous PostNext Post >> VANCOUVER – WestJet and Air Canada are offering more flexible flight options for passengers booked to fly in or out of some cities in B.C., where hundreds of wildfires have sparked a state of emergency.WestJet passengers scheduled to travel to or from Kamloops, Kelowna, Penticton, Prince George or Terrace until Aug. 22 can cancel or rebook their flights without a penalty fee, the Calgary-based airline said Thursday.Air Canada tickets for flights up until Aug. 22 heading in or out of six cities in the B.C. interior can be changed to another date before Sept. 1. free of charge, the Montreal-based airline said.The B.C. government declared a state of emergency Wednesday in response to more than 500 fires that have burned through the province’s firefighting capacity and triggered international support.Firefighters from Australia, New Zealand and Mexico are now taking part in the fight.Ottawa announced Monday it would deploy 200 soldiers and several aircraft to help battle the fires, which have prompted evacuation orders covering more than 1,500 properties and affecting about 3,000 people.More news: Hotel charges Bollywood star $8.50 for two bananas and the Internet has thoughtsCanadian Forces personnel joined the 3,400 firefighters already fighting the summer infernos. About 150 new fires ignited across B.C. last weekend, according to the B.C. government.The state of emergency applies to the entire province and ensures federal, provincial and local resources can be delivered in a co-ordinated manner, B.C. Public Safety Minister Mike Farnworth said Wednesday.But humans can only do so much to douse the flames, he said.“The best thing we can hope for is a change in weather: winds to blow smoke away, a good old-fashioned drenching of rain to extinguish fires and improve air quality,” Farnworth said.More than 1,800 forest fires have been recorded since the season began on April 1, charring nearly 3,800-square kilometres of timber and bush, the wildfire service said. Friday, August 17, 2018 Share By: The Canadian Press
Share The Wells Fargo Economics Group released a recent report outlining consumer confidence in the Sunshine State. The data from April suggests consumer sentiment slipped in Florida one point to 79 for the month, largely due to increased concerns about current economic conditions.The concern, both locally and nationally, outweighed a slight increase in confidence about future conditions for the economy as a whole.The Florida index largely reflected the nation’s attitude, with the overall index dropping slightly to 82.3. While consumer confidence declined, things could have been worse, according to the group. April’s end of the month index for Florida did improve from a mid-month reading, which had put the drop at two points.Despite the monthly decline, the overall rebound in consumer confidence from a “cyclical decline has corresponded with a rebound in home prices and the stock market,” the group found.”The recent moderation in consumer confidence may signal a lessening of these influences,” the group said.Home prices have eased slightly, coming in at a positive 12.3 percent year-over-year change. The Floridian unemployment rate climbed one tenth of a percentage point in March, resting at 6.3 percent.Florida’s unemployment rate reflects a national rate of 6.3 percent. However, the national rate is heading the other way, falling downward nearly half a percentage point as winter weather, sequestration, and a significant buildup of inventory have passed to allow for growth. in Daily Dose, Data, Headlines, News Consumer Confidence Dips in Sunshine State May 5, 2014 462 Views Consumer Confidence Jobs Unemployment Rate Wells Fargo 2014-05-05 Colin Robins
September 4, 2018 843 Views Examining the Qualified Mortgage Rule Share The Qualified Mortgage Rule (QM), introduced in 2014, was designed by the Bureau of Consumer Financial Protection (BCFP) to prevent borrowers from obtaining loans they could not afford and to protect lenders from borrower litigation. 400,000 high debt-to-income (DTI) mortgages met the BCFP’s definition of a QM last year, thanks to an exemption that grants QM status to lenders making high DTI loans if those loans are guaranteed by Fannie Mae or Freddie Mac.However, this exemption, or “GSE Patch” is set to expire either January 10, 2021, or when the GSE’s exit conservetorship, whichever comes first. In a paper from the Urban Institute, Urban Research Associate Karan Kaul and Vice President, Housing Finance Policy Laurie Goodman Give three possible options for addressing the soon-to-be expired GSE Patch.The first option Urban Institute suggests is the obvious one: preserve the GSE Patch as it is. This can be done by simply extending the rules, or through modest expansion of the GSE Patch. The Urban Institute states that this option may only yield modest benefits, mostly for the high end of the market.The second option is to drop the DTI Cap and GSE Patch fromThe QSE definition, implementing a “safe harbor” standard. Restrictions on risky products, loan terms, and points and fees would not be touched. A lack of DTI cap or patch would “provide safe harbor status to first-lien mortgages as long as their annual percentage rate is no more than 150 basis points over the APOR.”According to Urban, this style of rule would offer several advantages: mortgage rates reflect credit risk more holistically than DTI ratios, it would create a more level playing field, facilitate innovation, and include ample precedent for a rate-spread test.The last option put forth by Kaul and Goodman in their paper is to simply take no action on the patch, letting the GSE Patch run its course through 2021, leaving a hard 43 percent DTI cap for Fannie and Freddie guaranteed mortgages behind. This option, however, would not be so simple due to the fact that the FHA, VA, and USDA would implement their own rules with no cap, forcing some high-DTI to move to the FHA.The paper concludes by stating that the upcoming expiration is a chance for improvement. Find the complete paper here. in Daily Dose, Government, News Fannie Mae Freddie Mac GSE Qualified Mortgage The Urban institute 2018-09-04 Seth Welborn
Go back to the e-newsletterLUX* Bodrum set on a private peninsula in the Turkish Aegean coast is now open for another summer season from 1 May to 30 October 2018. The country’s most glamourous holiday destination, LUX* Bodrum’s 91 guest rooms, 19 private residences and a one-of-a-kind villa, all with panoramic sea views offer an exceptional blend of laid-back luxury, cutting-edge design, sleek balconies or terraces, along with private gardens and pools.LUX* Bodrum’s distinct hillside to beachfront setting with its own exclusive bay, amid pine trees and ancient olive groves overlooks a sapphire-studded Turquoise Coast, located only 20 minutes from Milas-Bodrum Airport.Fresh and innovative dining abounds at Stella, with floor-to-ceiling windows complete with ocean vistas, Beach Rouge – a relaxed chill out club by day and an invigorating party hangout in the night with live DJs and mixologists, sweet treats from the baristas at Cafe LUX* and the best cocktails at The Bar. Add a sleek spa, impressive infinity pool, all the LUX* unique ‘Reasons to Go’ – from the Phone Home iconic red phone box to Cinema Paradiso pop-up films and Café ICI ice-creams, along with a vibrant calendar of expert-led workshops and the resort is a breath of fresh air in Bodrum.Well-being and beauty are assured from the LUX* ME Wellness Centre, a destination to rebalance and rejuvenate through multi-sensory experiences. Five treatment rooms deliver a wide choice of facials, massages and specialist therapies, using locally produced therapeutic essential oils. Guided by Wellness Experts, dip into indoor and outdoor fitness programmes, ranging from Pilates, open air on deck yoga, and tailor-made fitness training sessions.The culturally curious will also delight in the rich history and relics to discover in Bodrum and beyond. Hitch a ride on the house boat and cross the water to stroll the marina for people-watching at Bodrum’s glamorous hangouts, along this St Tropez of Turkey. The resort is also located nearby to some of the Greek islands, including Patmos and Kos.Laid-back luxury at its finest, LUX* Bodrum Resort & Residences was a Silver Award Winner in the Architecture, Building and Structure Design Category at Milan’s A’Design Awards, one of the world’s most elite design competitions.Highlights:LUX* Bodrum Fish Market at Beach Rouge offers the freshest seafood and the finest Mediterranean flavours for dinner overlooking the Aegean coastlineSpa and health retreats exclusive to Bodrum Peninsula, along an inspired calendar of expert-led wellness workshops.Long stay packages and unique culinary experiences.LUX* Bodrum Resort & Residences special offer:Book by 30 June 2018 in any room/villa type and get 40% off for stays between 1 May 2018 and 31 October 2018.Go back to the e-newsletter
Newlyweds are more likely to choose a short trip after their big day than an expensive honeymoon, it has been claimed.According to a poll by esure travel insurance, cash-strapped couples are going on a low-key break and then saving for flights to a lavish holiday destination in the following months.The study found 22 per cent of just married couples delay their honeymoon by weeks or months, while 17 per cent admitted they could not afford to go on their dream trip immediately after tying the knot.Mick Pickard, head of travel insurance for the researcher, said: “The costs of a wedding alone can seriously stretch the finance of newlyweds.”With the extra pressures associated with the credit crunch, he added it is “not surprising” that many Britons are choosing short breaks while they put money aside for flights to their ideal locations.Earlier this month, esure revealed 18 per cent of those questioned in a recent poll would not take out insurance for a winter sports holiday.Get Skyscanner Widgets for your site! ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map RelatedBabymoons to buddymoons: introducing five new honeymoon trendsBabymoons, buddymoons and maximoons – we reveal the newest alternatives to the traditional honeymoon.Unusual honeymoon destinations ‘easier to access’Honeymooning couples have become more inclined to book flights to unusual destinations because they have become easier to accessTop Ten Honeymoon destinationsNo holiday is as overloaded as expectation and the potential for disaster as a honeymoon
Markle had a Hollywood-but-humble youth before royalty rang by Andrew Dalton And Marcela Isaza, The Associated Press Posted May 9, 2018 6:53 am PDT Last Updated May 9, 2018 at 7:20 am PDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email LOS ANGELES, Calif. – Meghan Markle’s road to royalty ran through Hollywood.The American actress set to marry Prince Harry May 19 spent her formative years in the Los Angeles neighbourhood of Hollywood, a more working-class place than its famous name suggests.It was home to the progressive elementary school and Catholic high school where she starred in musicals and got her first lessons in the social activism she says will now be her life’s primary purpose. And it was home to a far more unlikely place for a future royal to be raised — the television studio where she spent afterschool hours with her cinematographer father on the set of the sitcom “Married … With Children.”Those who doted on the show’s shaggy dog have no trouble remembering her even decades later.Melba Farquhar, whose husband, Ralph, was a supervising producer on “Married … With Children,” made a habit of bringing dinner leftovers to Buck, a Briard who became a canine star. Before one Friday night taping she noticed a girl of about 10 watching her with quiet fascination.“This little girl, and it was Meghan, was so interested, she asked me, ‘Are you saving your food for the dog?’” Melba Farquhar told The Associated Press.On a subsequent Friday, Meghan showed up with her own leftovers.“She had saved some of her dinner to give to him, and wanted to know that it was OK if she fed the dog this time,” Farquhar said. “She was just so sweet.”“And now,” Farhquar said in disbelief, “she’s going to be in the royal family.”Most who recall the young girl expressed similar shock that she is now marrying Prince Harry, but say she’s more than prepared for the gravity of her new role, and could transform what it means to be a member of the royal family.“My thought, truly, was ‘he is so lucky. He has no idea,’” said Maria Pollia, a favourite high school teacher of Markle’s. “When you think about the circles that Prince Harry is in, and when you think about the many, many accomplished women that he has known all his life, there is something that I know about Meghan, which is her genuineness, her compassion, her depth, is something that I’m not sure that all of those women share.”Markle’s father, Thomas Markle, is retired and has been living in Mexico. Her mother, Doria Ragland, is a social worker who still lives in Los Angeles. He could not be reached for comment, and she did not respond to interview requests from the AP.Neither has spoken publicly since the engagement was announced, part of a media silence that has also included Markle’s close friends and most of her cast mates on the TV legal drama “Suits,” which aired her final episode last month.Markle’s parents will meet the queen prior to the wedding and will have a special role in the ceremony.They divorced when she was 6, but jointly raised her, and she spent many hours with her father at Sunset Gower Studios, about a mile from each of her schools, where he oversaw the lighting and camera crew for much of the 1987-to-1997 run of “Married … With Children,” a span that saw his daughter grow from 5 to 15.The set was a warm and family-friendly place, crew members said. The lowbrow show itself often was not, reveling in trashiness and toilet humour that made it “a really funny and perverse place for a little girl in a Catholic school uniform to grow up,” Markle told Esquire magazine in 2013.And for Markle, a lifelong dog devotee whose beagle and Labrador mix were the stars of her now-deleted Instagram account, it had the added bonus of Buck.“Tommy used to bring her on the set a lot, and of course she was always hanging around and petting Buck,” said Steven Ritt, the dog’s owner and trainer, who recently gave an interview with a wolfish black pup named Ariel at his feet. “A lot of kids gravitated toward Buck.”Ritt said Markle’s gentle manner made her a natural with animals.“Meghan was always kind of an old soul, even as a child, a little more mature than some of the children around the set at her age,” he said.Old soul or not, she was still a schoolgirl, and when Thomas Markle had to shoot scenes with scantily-clad women and sex jokes, which was often, he wanted her out of sight.“There were a lot of times my dad would say, ‘Meg, why don’t you go and help with the craft services room over there? This is just a little off-colour for your 11-year-old eyes,’” Markle told Esquire. “Just picture me with my curly hair and a gap in my teeth and my little school uniform with Keds on, looking up like, ‘Hi,’ at these very, uh, provocative women. It was a big change from Immaculate Heart Catholic School.”Memories of Markle run deep at the all-girls school, which has a tiny chapel at its centre and sits on a hillside below the American Film Institute.“She was one of those girls that, you’re drawn to her,” said Christine Knudsen head of Immaculate Heart’s theology department, who noticed Markle as an actress on the school stage before getting to know her as a student and leader on school retreats. “For whatever reason she has that special spark.”The school is hosting a tea to celebrate the marriage, along with a viewing party of the wedding that despite a 4 a.m. California start time is expected to draw a big crowd.In plays like the musical “Into the Woods,” often lit by her father who would volunteer, Markle would use the stage in the Immaculate Heart gym to develop the acting chops that would land her a role on “Suits,” joining fellow Immaculate Heart alums-turned-TV-stars Mary Tyler Moore and Tyra Banks.The school emphasized a Catholic ethic of service and social justice, seeking to turn each student into a “woman of great heart and right conscience” — a phrase her former teachers said Markle embodied, though like many of her classmates she was not Catholic.Pollia pushed Markle to overcome an initial timidity and volunteer at a Skid Row soup kitchen, which Markle would do for most of her last two years of school. In interviews nearly 20 years later she shared the advice that Pollia had given her: “Put the needs of others above your own fears.”Markle’s conscience had a head start before she got to Immaculate Heart.While a student at the nearby Hollywood Schoolhouse, Markle objected to a dish soap commercial that included a line that leapt out as sexist even to her 11-year-old self: “Mothers around America are fighting greasy pots and pans.”Markle mounted a letter-writing campaign that got her featured on a Nickelodeon kids’ news show.“I was wondering if you would be able to change your commercial to ‘people all over America,’” Markle wrote in a letter to the Procter & Gamble, which did in fact change the ad’s language.“She always had a sense of confidence and poise, and instead of complaining about something, let’s think about what we might be able to do to change it,” Knudsen said. “I see a lot of Princess Diana in her…. I think she has the ability to really speak to what’s important to her heart, and I think she will.”Markle’s love of dogs may also serve her well in her royal role. It already has, at least in her intimidating first meeting with the queen at Buckingham Palace.“The Corgis took to you right away,” Prince Harry said, looking at a laughing Markle during a joint interview in November. “For the last 33 years, I’ve been barked at,” he said, then gestured to his fiancee. “This one walks in, absolutely nothing. Just wagging tails.”“Just laying down on my feet during tea,” Markle said.___Follow Andrew Dalton on Twitter: https://twitter.com/andyjamesdalton .___For complete royal wedding coverage, visit https://apnews.com/tag/Royalweddings
By Stelios OrphanidesPresident Nicos Anastasiades told members of the European Parliament (MEPs) in a recent letter that their concerns about Cyprus neglecting its obligations in tackling money-laundering as a European Union member were “unjustified”.He made the statement in a letter on December 18 in response to one sent by 17 MEPs on October 26 urging Cypriot authorities to ditch the island’s cooperation with Russia in a probe against Hermitage Capital founder Bill Browder and instead clamp down on illicit Russian funds.In Anastasiades’ letter obtained by the Cyprus Business Mail on Wednesday, Anastasiades said: “Cyprus is firmly committed to abide by and fully implement all European Union as well as other international instruments and tools in preventing and combating money laundering activities.”“To this end, albeit Cyprus being a regional financial centre offering international business facilities, the authorities recognising the dangers for possible abuse for criminal activities including money laundering, have taken all measures, legislative and administrative, both preventing and repressive, adopting all international measures and practices in this area,” the letter added.Anastasiades said Cypriot authorities had “always acted within the context of the rule of law and respect for human rights in applying the provisions of international instruments, including those for legal (and/or) judicial assistance in criminal matters, and discharging Cyprus’s legal obligations thereunder”.The MEPs letter was prompted by the Cypriot authorities’ decision to challenge an application filed by Browder against the government’s cooperation with Russia in an investigation against him. The investor-turned-activist is leading a campaign for justice for lawyer Sergey Magnitsky who died in a Russian prison after exposing a $230m (€217m) tax fraud. Russian police officers who Magnitsky implicated in the case arrested and subjected him to torture depriving him of access to medical treatment.The 17 MEPs lamented that Cyprus had not prosecuted those involved in the theft and complained that the island’s authorities “stalled or significantly delayed mutual legal assistance requests” submitted by other European countries which investigated the case.Browder resorted to a Cypriot court in September requesting an emergency injunction in an attempt to prevent Cypriot authorities cooperating with Russia in the investigation against him and his associate Ivan Cherkasov. The US-born investor who is now a UK citizen insists that the Russian investigation against him is politically motivated. The Cypriot government froze the cooperation with Russia pending the outcome of the court proceedings, which in turn angered Russia.The Parliamentary Assembly of the Council of Europe (PACE) asked member states four years ago not to cooperate with Russia in its proceedings against Browder and instead follow the US example in adopting punitive measures against those responsible for Magnitsky’s death. Interpol repeatedly ignored Russian arrest warrants against him.Anastasiades’ letter was also forwarded to European Commissioner for Economic and Financial Affairs, Taxation and Customs Pierre Moscovici, European Commissioner for Justice, Consumers and Gender Equality Věra Jourová, the presidents of the European Central Bank (ECB) Mario Draghi and the European Banking Authority (EBA) Andrea Enria and Santiago Otamendi, president of the Financial Action Task Force (FATF).In it, Anastasiades said that Moneyval, the Council of Europe’s money-laundering watchdog, evaluated Cyprus’s -money laundering practices “with very positive results”.The Cypriot president who in late October met with Russian President Vladimir Putin in Moscow in an attempt to strengthen Cyprus’s economic ties to Russia, said that the island had neither “stalled nor significantly delayed” cooperation with other European Union countries in probing the Magnitsky case. Putin told Anastasiades that he looked forward in a satisfactory outcome of Browder’s request which would allow Cyprus to cooperate in the future with Russia, the largest client of the Cypriot business services sector.“In lifting this misinformation, I would like to stress that the investigation on the part of the Cypriot authorities is open and continuing… the cooperation with the authorities of a EU member state for execution of their request is in progress and there is no problem in any respect,” he said. “On the contrary, a part of the request has already been executed and delivered”.Anastasiades was referring to the MEPs’ remark that it had taken Cyprus two years to respond to a French request for legal assistance in related investigation.“The competent authorities, the Unit for Combating Money Laundering (Mokas), the police and other law enforcement authorities have a vigorous international co-operation with foreign counterpart FIU (financial intelligence units), and execute formal MLA (mutual legal assistance) requests, including the recognition and enforcement of foreign freezing and confiscation orders,” he said.“Our authorities have consistently been considering the various requests for legal assistance sent by the Russian authorities on this matter, on the basis of the international commitments of the Republic which determining the reasons for which a state may refuse assistance,” taking into account PACE’s 2014 resolution and relevant communications with Interpol and Europol, he said. “The Cypriot authorities have executed a small part of some of the requests and we consider that the information and material given was within the aforementioned context and in line with all cautiousness required”.Anastasiades declined to elaborate on Browder’s case on the grounds that the case was before the court.The president sent his letter almost three weeks after a report in Politis exposed the ties of state attorney Eleni Loizidou with Russian prosecution authorities, based on leaked emails from her private email account. According to the report, Lozidou, meanwhile suspended from her position and currently the subject of a disciplinary investigation, offered and requested favours from Russia. She was in charge of the department for extraditions at the legal service.You May LikePopularEverythingColorado Mom Adopted Two Children, Months Later She Learned Who They Really ArePopularEverythingUndoLivestlyChip And Joanna’s $18M Mansion Is Perfect, But It’s The Backyard Everyone Is Talking AboutLivestlyUndoSmart Tips DailySeniors With No Life Insurance May Get A $250,000 Policy If They Do ThisSmart Tips DailyUndo Pensioner dies after crash on Paphos-Polis roadUndoCypriot tycoon launches ‘Bank of Cannabis’UndoThree arrested in connection with hotel theftsUndoby Taboolaby Taboola
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