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The New Refi Borrower Profile

first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Subscribe The rise of mortgage rates over the past few months has triggered a significant slowdown in refinance loans. According to an analysis by CoreLogic, the needs of homeowners who refinance in a rising rate environment is different from the rate-and-term borrowers that dominated the market during the refinance boom.In this video, Frank Nothaft, Chief Economist at CoreLogic, explains how borrowers opt for refinance loans. “Homeowners that obtain a cash-out refinance when rates are at or above the rate on their prior loan may choose a term of up to 30 years on their new loan to keep the change in their monthly mortgage payment as small as possible,” Nothaft said.The analysis found that the share of refinance loans that cash out some home equity is generally very small during a refinance boom. “During 2012, when 30-year fixed-rates fell to an all-time low, the cash-out share of refinancing fell to 10 percent, the lowest recorded in CoreLogic’s public records data during the last two decades,” Nothaft noted. Home / Daily Dose / The New Refi Borrower Profile Share 1Save Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. August 21, 2018 1,234 Views Tagged with: CoreLogic loans mortgage Refinance The New Refi Borrower Profile Previous: Why Housing Worries Keep Americans Up at Night Next: Tackling Natural Disasters, One Borrower at a Time CoreLogic loans mortgage Refinance 2018-08-21 Radhika Ojha Related Articles Demand Propels Home Prices Upward 2 days ago About Author: Radhika Ojhacenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago  Print This Post in Daily Dose, Featured, News, Servicing The Best Markets For Residential Property Investors 2 days ago The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days agolast_img read more

Lady Bulldogs Netters Blank Lady Lions

first_imgThe Batesville Girl’s Varsity Tennis team defeated Rushville 5-0 on Wednesday.#1 Singles- Lydia Olsen defeated Sarah Hershberger 6-4, 6-0.#2 Singles- Erin Longstreth defeated Larissa Dunn 6-1, 6-2.#3 Singles- Julia Hunter defeated Courtney Hall 6-2, 6-0.#1 Doubles- Brooke Bradford and Kelli Hartman defeated Maddy Kasey and Sarah Schombert 6-1, 6-0.#2 Doubles- Macy Simon and Karsen Worthington defeated Bridgette Welter and Payton Brower 6-3, 6-1.In JV action, Batesville defeated Rushville 8-0. In Singles, Alana Pinckley and Rachael Rose won two matches while Audrey Weigel won one. In doubles, Grace Heppner and Anna Kick won two matches and the doubles team of Jenna Harmeyer and Audrey Weigel won one.The Varsity is now 6-1 while the JV is 7-0. Batesville will play at home tomorrow against Columbus East on Thursday for Senior Night. Match time is 5:15.Courtesy of Bulldogs Coach Mike McKinney.last_img read more

Knysna hotel joins Hilton Worldwide

first_img29 June 2012 One of South Africa’s leading resorts, Pezula Resort Hotel & Spa, is set to join the luxury portfolio of Conrad Hotels & Resorts – part of the Hilton Worldwide brand – following the signing of a management agreement this week with resort owners, Alderney Establishment. Conrad Pezula Resort Hotel & Spa, which is expected to re-brand in November, is located in Knysna in the Western Cape. “We sought an internationally recognised brand that matches our strategy to provide world-class facilities and service,” Keith Stewart of Alderney Establishment said in a statement on Wednesday. “Conrad’s established global credentials makes for a compelling partnership and will help us to deliver a truly exceptional guest experience.” Global head of luxury and lifestyle brands for Hilton Worldwide, John Vanderslice, agreed: “By combining Conrad’s signature style and service standards with such a superior resort property and location, we will create an exceptional and memorable guest experience. “For 25 years, Conrad has epitomised the definition of smart luxury, and our arrival in South Africa represents a key milestone in the brand’s ongoing global expansion,” Vanderslice said. Hilton Worldwide owns three other hotels in South Africa: the Hilton Sandton in Johannesburg, the Hilton Durban and the Hilton Cape Town. ‘A valuable addition to Hilton portfolio’ The Pezula resort offers sweeping views of Knysna lagoon and the Indian Ocean and also features an abundance of amenities for hotel guests. This includes a championship golf course and a “Field of Dreams” sports complex – boasting four tennis courts, archery, a sports oval and golf range. Guests can also enjoy horse riding, nature trails through the estate’s indigenous forest, canoe trips on the clear waters of the Noetzie River, as well as the peaceful seclusion of Noetzie’s exclusive beach, recently voted one of the top three beaches in South Africa. “I’m very excited at the prospect of our luxury Conrad brand making its debut in South Africa with such an outstanding and well known resort property,” said Hilton Worldwide’s senior vice-president of development in Europe and Africa, Patrick Fitzgibbon. “Conrad Pezula Resort & Spa will be a valuable addition to our growing international hotel portfolio and helps to underline our position as one of the leading hospitality providers in the continent.” The hotel will host 78 stylish suites housed in detached villas and five larger, architecturally designed family villas, linked by short landscaped pathways to the main building. One unique addition to the resort accommodation is Pezula’s award-winning private castle, built into the cliff face and overlooking Noetzie Beach. It has been described as one of the most exclusive destinations in Africa. Further guest amenities at Pezula include executive boardrooms, a business centre, a spa and health club, and the hotel’s main restaurant, Zachary’s – which is a winner of 12 different awards and also features one of the area’s largest wine cellars. SAinfo reporterlast_img read more

The livestock barn of the future

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Almost every portrait, painting or portrayal of a farm over the last 100 years has included a big red barn as part of the landscape, but the reality is that those old bank barns are more nostalgic than they are useful in today’s livestock industry and even the barn door could soon be a thing of the past.“Monoslopes are the barn of the future,” said Francis L. Fluharty, research professor in The Ohio State University’s Department of Animal Sciences. “The design has the high side of the barn facing south or southeast, which allows the sun to reach almost all the way through the barn in the winter, having a warming effect on the cattle and keeping the bedding pack drier.”Then, in the summer, most of the barn is under shade and the slope to the roof creates constant airflow through the building to reduce heat stress.“From an animal health standpoint, there is no way for gas to be trapped like it can be on hot humid days in normal barns,” Fluharty said. “These barns move air through and ammonia levels remain very low, which is important for the well-being of the livestock.”The open design of monoslope barns is also beneficial in keeping cows dry and better suited to handle the wind.“We’re not North Dakota and we put our cattle in way too much confinement in Ohio,” Fluharty said. “If I were to travel throughout the state and do one thing, it would be to take most of the sides off of barns.”Some farmers that are using monoslope barns are finding out that the benefits extent much further than what the livestock experience. It is also helping relationships with neighbors in some cases.“When you are 50 yards in front of a monoslope barn, there is no odor,” Fluharty said. “There is a huge dispersion effect of odors due to the positive airflow. In order for cattle feeding to survive and continue providing products for consumers, 99% of whom have no relationship with production agriculture other than eating, these monoslope buildings solve a lot of problems.”That is exactly why the newest monoslope barn was built on Fred Voge’s Preble County farm, with the help of The Environmental Quality Incentives Program (EQIP). This is a voluntary program that provides financial and technical assistance to agricultural producers to plan and implement conservation practices that improve soil, water, plant, animal, air and related natural resources on agricultural land and non-industrial private forestland. EQIP may also help producers meet Federal, State and local environmental regulations.“We had an existing cattle operation here and it absolutely was not popular with the neighbors with a number of complaints over the past 30 years,” said Voge, a licensed and bonded dealer, supplying high quality feeders to farmers in the region. “After some dialogue about ways to find some middle ground, I applied for an EQIP grant to abandon the older facilities that we had that included an outside feedlot and a manure holding pond and construct something that would feed out the livestock and store the manure in a better manner.”This construction of the monoslope barn was a drastic difference from the days that Voge followed his Dad and Grandfather around on the family farm as a youngster and what he has done on the operation working with cattle for the past 45 years.“Yes it is high-tech, but it also has a lot to do with Mother Nature herself,” Voge said. “This building is built to maximize the two things that cattle need the most, which are fresh air and fresh water.”The 15,000-square foot facility, open to the south and to the north, is 30 feet high to the eave on the south side and 18 feet high on the north side. Voge picked up the idea after visiting a similar facility on the Clarke farm in Miami County. The versatility of the monoslope design really impressed him.“It will normally be divided up into four pens but I have the capability of splitting those to eight pens,” Voge said. “That will allow me to finish cattle or background feeder cattle from the same point of origin. There is a lot of demand for 300 to 400 cattle from a single source with a common feed and health program and with the flexibility of this building that is possible.”One part of the design that is unique to Voge’s barn is the watering system that will allow for custom watering, depending on the pen.“We set up a manifold in our water building where I can provide fresh water and, if needed, I can provide a high level or low level of medication,” Voge said. “So if I have a number of different groups of cattle in the barn from different points of origin that need different medications, we can provide to each one of those pens separately, helping us to maintain as good of a health status as we possibly can.”In addition to the monoslope barn, Voge has also put up a dry stack barn for manure storage. Part of the plan for the EQUIP funding is to hold up to a year’s worth of manure in that structure, harvest silage in the fall and apply that manure and lightly incorporate it while the conditions are dry. Then Voge will plant cover crops to help manage the fall applied nutrients and destroy the cover crops in the spring.“This should be a more economical way to grow the feed and raise the corn,” Voge said. “It will also improve the ground water supply in this area.”Being sustainable and neighborly is a tough balance to find, but for this Preble County farmer it is the only way to pass his operation on to future generations.“If you’re going to make an investment like I’ve made in this facility it needs to be on a farm that will continue to be a farm,” Voge said. “I realize at my age that the next generation or two will get more value out of this facility than I will, but I know that I have left this farm in better shape than when I got it.” Crews put finishing touches on the watering units in Voge’s monoslope barn The west side of Voge’s monoslope barn The north side of Voge’s monoslope barn The east side of Voge’s monoslope barn The south side of Voge’s monoslope barn Inside of Voge’s monoslope barn The watering system of Voge’s monoslope barn Water is metered at every pen of Voge’s monoslope barn Preble County farmer Fred Vogelast_img read more

Ideas Have Rights

first_imgIdeas have rights.The right to exist. You judge your ideas to soon. You are afraid they aren’t good enough. You worry that people will judge you for having a bad idea or one with which they don’t agree. So you kill the idea while it is still in the womb before it is even born. But the only way to have good ideas is to have a lot of ideas. Your ideas have a right to exist.The right to be explored. Some ideas are half-baked. They aren’t fully formed. They’re just the kernel of an idea. Many of them won’t amount to anything. But with further exploration, some ideas turn out to be valuable, revolutionary, earth-shattering humdingers. Unless you explore the idea, you’ll never know whether or not it had value.The right to be defended. Your ideas need you to defend them. They need to be protected. There is always someone who is willing to play devil’s advocate, and too few willing to play angel’s advocate. Ideas don’t grow up to create value and come to fruition without someone willing to defend them from those who would rather see them destroyed.You will never have the right idea if you aren’t willing to generate ideas without fear, explore them without judgement, and defend them from those opposed.. Get the Free eBook! Want to master cold calling? Download my free eBook! Many would have you believe that cold calling is dead, but the successful have no fear of the phone; they use it to outproduce their competitors. Download Nowlast_img read more

Home Ministry willing to give inputs for CWG probe: PC

first_imgUnion Home Minister P Chidambaram on Saturday said his Ministry was ready to give inputs to the appropriate authorities looking into allegations of corruption relating to the Commonwealth Games.”If we are asked about what went wrong (in the Games) by the appropriate inquiring authorities, certainly Delhi Police and the MHA will provide inputs,” he told reporters in New Delhi.He was replying to a question on whether the Home Ministry will provide any inputs on issues relating to problems in ticketing and accreditation for the Games.Asked what would be scope of the probe, he said, “I don”t know. I have nothing to do with it.”Prime Minister Manmohan Singh had on Friday appointed a high-level committee headed by a former CAG to go into allegations of corruption relating to the sporting extravaganza.The committee, headed by former Comptroller and Auditor General (CAG) V K Shunglu, will submit its report to the Prime Minister within three months.last_img read more

Bridal show: Indian weddings become mainstay of Indian couture

first_imgMONEY-MAKERS: Crowd-puller bridal shows are the new rageJJ. Valaya can’t stop smiling. It’s the busiest time of the year, harvest time. Life, his 10,000 sq ft couture studio in Delhi, is abuzz with energy.Mirrors reflect giddy brides-to-be drooling endlessly over lehnga clad mannequins. Lucky mannequins. Lucky Valaya. The girls haven’t,MONEY-MAKERS: Crowd-puller bridal shows are the new rageJJ. Valaya can’t stop smiling. It’s the busiest time of the year, harvest time. Life, his 10,000 sq ft couture studio in Delhi, is abuzz with energy.Mirrors reflect giddy brides-to-be drooling endlessly over lehnga clad mannequins. Lucky mannequins. Lucky Valaya. The girls haven’t come this far, from Ludhiana and Los Angeles, to his off-limits Chhattarpur boutique, for nothing. Sheetal Ghai, textile designer and bride-to-be, handpicks three handcrafted zardozi lehngas to be worn at three separate ceremonies. A Valaya gown does not come cheap, but for the most priceless moments of her life, it’s worth it. India’s most celebrated trousseau designer smiles again, “Indian weddings are the mainstay of Indian couture.”Reaping cash benefits of trousseau designing are a pack of other fashionistas that include Rohit Bal, Tarun Tahiliani, Ritu Kumar and Leena Singh among others. Though the bridal staple is still the red or rust lehnga choli, trousseau designing has seen some changes.Turquoises, lavenders, pinks, ivory, even fuschias are in. “And as the bride wants to flaunt her figure, she wants a 1 body-hugging outfit as opposed to yards of fabric,” says Valaya.Delhi fashionista Suneet Varma puts it succinctly: “What’s new is the sexy bride. She has arrived. She does not mind pulling off a plunging neckline because she has worked hard on her body.”So tiny sleeves, titillating scallop necklines and a bit of peek-a-boo are not taboo. A variation of silhouettes work, like bustiers and sheer, straight-limbed skirts and brocade pants to be carried off with dainty tissue pouches and flower bags. The basic sari has given way to hybrid saris and lehngas.Indian motifs, embroidery and Swarovski crystals are just as in as henna and crystal-bead tattoos. A typical Valaya outfit could be embellished with as many as 30,000 crystals. Varma, who admits that wedding seasons account for 30-40 per cent of his total turnover, imports gold and silver sequins and glitter from Italy.”Even the basic lehnga from a low-end designer costs as much as Rs 75,000,” says Geetika Sharma, organiser of the Bride & Groom show held in Delhi this year, that attracted over 48,000 visitors.advertisementThe cost of lehngas can go up to Rs 5 lakh. The Bridal Asia show at the Taj Palace in Delhi in September showcased three trousseau lines bridal, cocktail and family “because there are just too many occasions at an Indian wedding”, says event organiser Divya Gurwara.The 80 exhibitors, up from 48 last year, displayed clothes, jewellery, accessories, linen, even Dimple Kapadia’s Faraway Tree candles. “A jeweller made Rs 9 crore at last year’s show,” claims Gurwara.Suman Nathwani, an exhibitor at Bridal Show who retailed slip-wear at the show, sold G-strings the most. Says Delhi designer Leena Singh: “Though the look is still traditional, the thought process is modern.” Adds trousseau diva Ritu Kumar, whose flowing lehngas in zardozi, gold and reds are still a favourite with brides: “They are wearing net saris that are revealing and sexy.”The bold streak vibes well with the need to be suave. At a crash course for brides-to-be in Delhi, Anjana Bhargava of Perfect 10, a finishing school, gives lessons in trousseau packing and make-up, with dancer Shovana Narayan teaching carriage and art of “kicking and walking” in a wedding gown.Even as the bride is set to garner all attention, a shift has also been observed in groom wear. Says Valaya: “The groom is spending pretty much the same as the bride, perhaps more.”No more plain three-piece suits for him but natty sherwanis, achkans and bandhgalas. If the bride can lug a 40-kg lehnga, why can’t the groom carry a heavily embroidered sherwani? He does, now.last_img read more

a month agoLiverpool boss Klopp happy with form going to Chelsea

first_imgAbout the authorPaul VegasShare the loveHave your say Liverpool boss Klopp happy with form going to Chelseaby Paul Vegasa month agoSend to a friendShare the loveLiverpool boss Jurgen Klopp is happy with their form going to Chelsea on Sunday.Klopp has reiterated he was largely happy with Liverpool’s performance in the 2-0 Champions League loss to Napoli in midweek.“We are working on a response. Performance-wise, the more I think about it, it was not a game we would usually lose,” the Liverpool boss said.“It was a difficult game against Napoli. People expect us to dominate a game like this more, but that is actually not possible. The quality of Napoli is too big for that.”I was happy with a lot of parts of the game. Of course, not with our creating chances and finishing. But, again, they’re a very good side. “It’s not a team you play against and score easily two, three or four goals. We could have had a few better chances with a few better decisions. We are in a good shape and we have to keep going.” last_img read more

Lauriston-Thompson Pen 4-H Festival a Success

first_imgResidents of communities in Spanish Town, St. Catherine, turned out in their numbers on Saturday (Nov. 3) to support the Lauriston-Thompson Pen 4-H Club’s fourth annual Stew and Jerk Festival. The event, held at Brooklyn Park in Thompson Pen, provided the opportunity for the club to showcase the uses of various agricultural produce and for patrons to partake of tasty fare prepared by persons and groups invited to participate. The fun-filled family event also included entertainment, giveaways, rides for children, and exhibits of products and services by various agencies. The main attraction was the Celebrity Cook-off, where local personalities showed off their culinary skills. Club leader and founder, Shian Christie, who spearheaded the event, was pleased with the day’s activities. “The event was good overall,” he told JIS News. Mr. Christie, who is the 2004 Prime Minister’s Youth Award recipient for Leadership, said that the new thrust of the 15 year-old club is promoting rabbit farming and increased consumption of local fruits. He pointed out that rabbit rearing is the most lucrative area of livestock farming that can be undertaken in Jamaica at this time, as rabbit meat sells for approximately $1, 200 per pound. The Stew and Jerk Festival was well supported by the 4-H hierarchy, including Executive Director, Lenworth Fulton, who was effusive in commending the club. “It is a tremendous event. It has great leadership, and good young people,” he said, noting that the club is delivering on the mandate to train youth in leadership skills and vocations including agriculture and home economics. He also pointed to the key role that the club, which has over 120 registered members, is playing in the development of Spanish Town and the importance of its location to the Old Capital.  He noted that the area is “a growth area for Spanish Town in terms of housing and business, so we need to build the youngsters and take them out of crime, and that’s why we are here with them”. Meanwhile, Jamaica Defence Force (JDF) Lance Corporal Ricardo Bennett, emerged winner of the Celebrity Cook-off with his chicken linguine. Competitors were presented with a basket of items from which they were required to cook a meal of their choice. Corporal Bennett staved off strong challenges from other competitors, including Mayor of Spanish Town, His Worship Norman Scott; and Councillor for the Lauriston Division, Keisha Lewis. It was JDF’s second hold on the title of Cook-Off Champion, as Lance Corporal Fredrick Beckford’s took top honours last year, with his fish and pasta salad. Lance Corporal Beckford, who was on hand to support his colleague, said the JDF’s participation in the event is aimed at building community relations. He said he was happy to attend and to experience the reaction of the residents, particularly the children.  “They were expecting us and when we arrived, they cheered us.  It was heart-warming,” said the soldier.  Other organisations which supported the event were: National Insurance Scheme (NIS), Jamaica Constabulary Force (JCF), Rural Agricultural Development Authority (RADA), Heart Trust/NTA, National Council on Drug Abuse (NCDA), Jamaica Red Cross, Consumer Affairs Commission (CAC), Spanish Town Peace an Justice Centre, Social Development Commission (SDC), Jamaica Fire Brigade (JFB) and Jamaica Information Service (JIS). The Jamaica 4-H Clubs operates in 650 schools in all parishes and is supported 6,500 teachers, as well as 2,000 volunteers.last_img read more