MONTREAL – National Bank of Canada is benefiting from good economic conditions in Quebec, including low unemployment and resilient business confidence, chief executive Louis Vachon said Wednesday.“We are seeing the results with higher growth in loans and deposits,” Vachon told analysts after National Bank announced a 10 per cent increase in net income for the third quarter ended July 31.“Even with the uncertainty surrounding NAFTA, business confidence in Quebec remains high and we’re well-positioned to benefit as entrepreneurs invest in growth.”The ongoing negotiations over the North American Free Trade Agreement attracted little attention during of 50-minute conference call with analysts, but Vachon and other bank executives repeatedly expressed cautious confidence.Vachon said the bank is not averse to taking on risks if the potential reward is there but he noted that it has been 10 years since the last recession.“We’re not forecasting a recession, he said. “We’re just being a little bit extra careful. And we just want to make sure that our threshold and our risk procedures are respected as we deploy capital — across all business lines…”Earlier Wednesday, Canada’s sixth-largest bank announced it earned $569 million or $1.52 per diluted share for the quarter ended July 31, up from a profit of $518 million $1.37 in the same quarter last year.On an adjusted basis, National Bank earned $1.53 per diluted share for the quarter, up from an adjusted profit of $1.39 per share in the third quarter last year.Analysts on average had expected a profit of $1.50 per share, according to Thomson Reuters Eikon.National Bank was the fourth big Canadian lender to report improved third-quarter profits over the past week, with only Bank of Nova Scotia reporting a year-over-year decline. Toronto-Dominion Bank issues its report on Thursday.The bank said its personal and commercial banking group earned $248 million in the third quarter, up from $235 million in the third quarter of 2017.The wealth management division earned $126 million for the quarter, up 22 per cent from $103 million a year ago.About 80 per cent of wealth management’s growth in net interest income — the difference between what banks and clients pay in interest — was attributed to interest rate hikes.The bank’s financial markets group earned $178 million, up from $165 million in the same quarter last year, while its U.S. specialty finance and international division earned $54 million, up from $51 million.Companies in this story: (TSX:NA)
Brigadier Sumith Attapattu has been appointed as the new military spokesman.Attapattu assumed duties today replacing Brigadier, Roshan Seneviratne. Brigadier Atapattu, to his credit has been serving as the General Officer Commanding, 58 Division in Boossa, Galle before he was appointed as the Director Media. He has also served as the MIR Brigade Commander and had the opportunity of working as the Commandant in the Infantry Training Centre, Minneriya. He received his Presidential Commission on 12 December 1987.Roshan Seneviratne is to assume office as the General Officer Commanding of the 51 Division under the Security Force Headquarters – Jaffna. Brigadier Sumith Atapattu during his Army career of thirty-two years after he was enlisted to the Sri Lanka Army (Regular Force) on 17 March 1986, has to-date held a number of Command and Staff appointments, including those in the Sri Lanka Sinha Regiment and the Mechanized Infantry Regiment (MIR). Brigadier Sumith Atapattu also served as the Staff Officer 11 earlier in the Directorate of Media when he was in the rank of Major. He was the first Staff Officer at the Directorate of Media to have been appointed as the Director Media cum Military Spokesman.
“We are all shocked by the dramatic escalation of sectarian tensions in Myanmar’s Rakhine state,” Mr. Guterres remarked today in his address to the opening of the General Assembly’s high-level debate. “A vicious cycle of persecution, discrimination, radicalization and violent repression has led more than 400,000 desperate people to flee, putting regional stability at risk.” He stressed that the authorities in Myanmar must end the military operations, allow unhindered humanitarian access and recognize the right of refugees to return in safety and dignity. They must also address the grievances of the Rohingya, whose status has been left unresolved for far too long, he added.Marzuki Darusman, the Chairperson of the Independent International Fact-Finding Mission on Myanmar, told the UN Human Rights Council in Geneva that it is clear that there is “a grave humanitarian crisis” underway that requires urgent attention. In addition to the over 400,000 people who have sought refuge in Bangladesh since 25 August, Mr. Darusman noted that there are reports that nearly 200 Rohingya villages in the affected area have been emptied.“It is important for us to see with our own eyes the sites of these alleged violations and abuses and to speak directly with the affected people and with the authorities,” he stated, noting that the Commission has requested the Government of Myanmar for unfettered access to the country. VIDEO: As the UN ramps up aid to the displaced, Secretary-General António Guterres re-emphasizes the need to tackle the root causes of the crisis.UN aid agencies scaling up assistanceAs the number of those crossing the border into Bangladesh increases, the UN refugee agency (UNHCR) is ramping up its operations, including moving new arrivals into family tents and temporary communal shelters at a new extension site next to the Kutupalong camp near Cox’s Bazar. Spokesperson Duniya Aslam Khan told a news conference in Geneva that refugees have told UNHCR staff that they suffered from cold and rain during their treks from Myanmar. “Many had fallen ill, particularly small children. There is urgent need for more latrines, not least to reduce risks of a spread of disease with so many people living in close quarters. Many also complained of hunger and said they had eaten little on their journeys, which took up to 10 days on foot,” she stated. With an estimated 415,000 refugees having arrived since late August the humanitarian challenges have become immense, according to UNHCR, which noted the “remarkable generosity” by many individual Bangladeshis, with people trucking food and clothes to the refugees in the camps and others camping along the single main road. However, the Government needs more support, and UNHCR will be issuing an appeal this week for the emergency humanitarian response in Bangladesh till the end of year.Meanwhile, the World Health Organization (WHO) is providing critical support to step-up health services delivery in Cox’s Bazar. “Vulnerable populations require access to health services, including emergency and basic health care. Access for women to reproductive health services is especially important,” noted Dr. Poonam Khetrapal Singh, Regional Director for WHO South-East Asia.The agency added in a news release that poor nutrition, communicable diseases (including vaccine-preventable and water-borne diseases), injuries and other concerns such as mental health provide immense public health challenges that the Bangladeshi Ministry of Health, WHO and other health partners are working to address.Also today, the Secretary-General’s Special Representative on Sexual Violence in Conflict, Pramila Patten, said her office has been closely monitoring reports of sexual violence committed during the insurgency operations. She is particularly concerned about the security of women and girls who constitute the majority of those crossing the border. “More than half of the Rohingya women interviewed in early 2017 in a refugee camp in Bangladesh reported experiencing rape or other forms of sexual violence, but due to the acute social stigma, such cases are significantly under-reported,” said a statement issued by the Special Representative. Interviews with victims and witnesses indicate “disturbing patterns” of rape, gang rape and other forms of sexual violence, such as invasive body searches. “Survivors have described sexual violence being used as a calculated tool of terror to force targeted populations to flee. They describe the perpetrators as mainly members of the military, with the police and Rakhine villagers also identified, in some cases,” added the statement.
Spencer Dawson, BUSU’s Vice-President of Finance and Administration.For the first time, international students arriving in Toronto to attend programs at Brock University will have a ride from the airport.The Brock University Student’s Union has started a shuttle that ferries students to the school when they arrive here from all over the world, said BUSU Vice-President of Finance and Administration Spencer Dawson.“Before, they had to find their own way to the school from the airport,” he said, noting he was elected on a platform that included the international student shuttle idea. “This was a gap in service to international students.”He said all international students have been notified of the shuttle, which is being offered for $55. The shuttles run every evening from 7-9 p.m. until Sept. 7. The majority of international flights arrive in time for students to use the shuttles, he said.Along with the ride, arriving international students are also welcomed with a swag bag.“We’re giving a good first impression for the University,” Dawson said.The majority of international students are coming here from China. In total, students are coming from 95 countries around the globe.“Inclusion is the biggest part,” Dawson said. “I want them to feel included in our campus and not feel like the ‘other.’”
On Thursday, the NBA announced the final results of fan balloting for the 2015 All-Star Game, to be held in New York City on Feb. 15. The fans’ votes determined which players — specifically, two guards and three frontcourt players — will start for each conference. (Reserve selections are made by the league’s head coaches and will be announced next Thursday.)Some of the results were beyond dispute. For instance, Golden State’s Stephen Curry led all NBA players with more than 1.5 million votes, an honor thoroughly befitting the current league leader in Real Plus-Minus (RPM). Others were less supportable; Kobe Bryant garnered more votes than all but three players despite sub-replacement level play this season, while Carmelo Anthony was elected an Eastern Conference starter despite his Knicks’ well-documented awfulness.The fans have a long history of casting votes for big names playing subpar ball, and it’s clear there’s not a perfect relationship between All-Star voting and actual on-court value. To see what kind of link exists between the two, I plotted vote totals against RPM wins above replacement (WAR) for the 50 players whose results were released Thursday. For a sense of how many WAR are generally needed to earn a given number of votes, I also ran a local regression between the two numbers.The relationship between voting and WAR isn’t particularly strong, especially for players with fewer than 5 WAR. Once a player is beyond that territory, it appears he can at least begin to grab voters’ attention with better play. But for players below that threshold, performance can be lost in a sea of other confounding factors.Bearing in mind that rather large caveat, the most underrated player in the sample was the Portland Trail Blazers’ Damian Lillard; his 7.4 WAR appears to deserve nearly 800,000 votes, but he amassed less than half that. Similarly, Paul Millsap of the Atlanta Hawks was picked on only about 122,000 ballots, despite a WAR total that would seemingly justify over four times as many votes.At the other end of the spectrum, Bryant certainly looks overvalued — his 1.15 million votes were about four times what would be expected from his WAR total. But the player with the biggest disparity between actual and predicted voting this season is Kobe’s old rival LeBron James. James’s 5.5 WAR seems to correlate with about 412,000 votes — roughly the same as what the Chicago Bulls’ Jimmy Butler compiled (and deserved) in the balloting — but James’s actual total of 1.47 million beat that prediction by more than a million votes.Here’s each player’s vote total compared to what would be expected based on WAR:
The group were thought to be experienced sailorsCredit: Viral Press Want the best of The Telegraph direct to your email and WhatsApp? Sign up to our free twice-daily Front Page newsletter and new audio briefings. Lawyer Mr Tennant is understood to have served as Lord Cornet of Lanark in 1989 – an honorary position which involves being the town’s representative for a year. And his wife Lilias was said to have served as a director of the Society of Law Accountants in Scotland during her career, which recently ended having retired from Mr Tennant’s law firm. The group – who were thought to be experienced sailors – had only arrived in Phuket on Friday and were taken to safety without any injuries, it was reported. Four couples and a woman were rescued in Phang Nga Bay, off the coast of PhuketCredit:Viral Press Nine British sailing enthusiasts were saved by Thai fishermen after their rented yacht caught fire when it was hit by lightning. The four couples and a woman were on the 50ft catamaran in Phang Nga Bay, off the coast of Phuket, when they were caught in a tropical storm. As high winds rocked the chartered vessel at around 4.30pm on Saturday, those on board took cover below deck. But half an hour later, lightning struck and the yacht started to burn. Luckily for the architects, lawyers and accountants on board, Thai fishermen were on hand to haul them ashore as the burning catamaran sank.The tourists were named by The Times as William, 65, and Lilias Tennant, 68; Catherine, 64, and Stewart Toy, 66; Kelvin, 65, and Susan Atkinson, 64; Anne, 63, and Martin Anderson, 59; and Magret Hamilton, 64.
It is our aim to keep the club moving forward to achieve greater success in the future and Jose is our number one choice as we believe he is the right manager to do just that.“He was and remains a hugely popular figure at the club and everyone here looks forward to working with him again.”Mourinho will be presented in front of the media next Monday.Roy Keane unimpressed with the Ox’s jersey-swapping, makes reference to ‘Ben Johnson’I will be Chelsea manager by the end of the week – Mourinho CHELSEA HAVE CONFIRMED the return of Jose Mourinho to the club.The Portuguese manager, who won two Premier League titles, an FA Cup and two league cups during his first stint at Stamford Bridge, has enjoyed spells at Inter Milan and Real Madrid since leaving the Londoners in 2007.After his recent departure from Madrid and the fact that Rafael Benitez wasn’t offered a new contract with the Europa League champions, speculation was rife that Mourinho was on his way back.And this afternoon, news has broke that he arrives on a four-year deal.Ron Gourlay, Chelsea FC Chief Executive, told the club website: “I am delighted to welcome Jose back to Chelsea. His continued success, drive and ambition made him the outstanding candidate.
Leicester City midfielder Daniel Amartey has put pen to paper on a new three-and-a-half year deal that will keep him at the club till the summer of 2022.Amartey joined Leicester City in January 2016 from Danish club Copenhagen for a fee believed to be around the region of £6 million.The Ghana international midfielder’s current contract was due to expire in 18 months and has today extended his stay at the King Power Stadium.#lcfc is delighted to confirm that defender Daniel Amartey has signed a new three-and-a-half-year contract! 🦊More on #Amartey2022 ▶️ https://t.co/GeKWOf0nB6 pic.twitter.com/dyt1KEiyEV— Leicester City (@LCFC) December 20, 2018Liverpool legend Nicol slams Harry Maguire’s Man United form Andrew Smyth – September 14, 2019 Steve Nicol believes Harry Maguire has made some “horrendous mistakes” recently, and has failed to find his best form since joining Manchester United.“I am very happy to sign this contract at Leicester City,” Amartey told the club’s website.“I am a simple and easy guy. I work hard and I focus. By God’s grace, my recovery is getting better and I have to be strong when I come back. I have to be ready, for the Club and for the manager.”The 23-year-old will miss Leicester’s clash with Chelsea on Saturday as he’s currently sidelined with a broken leg and is expected to return in the spring.
A screenshot of the intimate scene from The Wedding Guest.Screen shotRadhika Apte is one of the few actresses who do not shy away from doing bold scenes in India. From donning bikinis to doing lovemaking scenes on-screen, the actress has courageously enacted such sequences with ease and dignity.The actress, like others, has no apprehensions doing bold scenes. “I have been brought up watching world cinema and I have travelled a lot so I am very comfortable with my body. I have seen people performing nude on stage in India and abroad,” she was quoted as saying by IANS.Time and again, Radhika Apte has stated that she doesn’t get ashamed of her body and uses it as a “tool” as a performer. And it clearly sums up her worldview.As a result, she has done more bold scenes than her contemporaries in the country. The amusing factor is every time she enacts nude scenes or intimate sequences for movies, it gets leaked online and becomes the talk of the town.She is once again in news for her lovemaking sequence with Dev Patel from their British-American film The Wedding Guest hitting the internet. Her nude scene and the clip of their intimate moments are now going viral.Michael Winterbottom directed The Wedding Guest had its premieres at the Toronto Film Festival in September 2018. It hit the screens in the US in March.Although the film was released a couple of months ago, the clips have surfaced only now.
Picture taken at the Port of Veracruz, in Veracruz State, Mexico, on 27 August, 2018. Mexican president-elect Andres Manuel Lopez Obrador called Monday for a three-way trade deal with the United States and Canada, saying a two-way agreement reached with the US was just a first stepBack against the wall or holding all the cards: Analysts were split on Canada’s position in continental trade negotiations after US president Donald Trump announced a breakthrough deal with Mexico on Monday.Canadian foreign minister Chrystia Freeland immediately interrupted a trip to France, Germany and Ukraine and headed to Washington to resume trilateral negotiations to rewrite the North American Free Trade Agreement (NAFTA).Prime Minister Justin Trudeau had a “constructive conversation” with Trump on the progress with Mexico, the prime minister’s office said.The leaders now “look forward to having their teams engage this week with a view to a successful conclusion of negotiations.”But in the announcement with Mexican officials, Trump took a hard line and said Ottawa would be left on the sidelines.Trilateral talks started a year ago at the behest of Trump, who railed against the original 1994 pact calling it a “ripoff” and a “disaster,” but now seems eager to close a new deal before the US midterm elections in November.Mexico’s outgoing government also is keen to have a deal in place before handing off to incoming president-elect Andres Manuel Lopez Obrador on 1 December.Lopez Obrador called for a three-way trade deal, saying “it’s important that Canada also be included.”US and Mexican officials met separately over the past five weeks to hammer out key bilateral issues before announcing the agreement that updates provisions on financial services, labour and e-commerce, and importantly the auto trade.“Canada is (now) going to be presented with more of a take-it-or-leave-it offer,” CIBC Economics analyst Avery Shenfeld said.Although the Mexicans have insisted on a deal that includes Canada, “by saying Canada could be left out, the US is threatening to take a tough line in those talks,” he noted.University of Ottawa professor Patrick Leblond told AFP, “president Trump wanted to get a win quickly, at least publicly. And he thinks this will put pressure on Canada to get a deal.“The big question is what do the Americans want from Canada to reach a trilateral deal,” he said.Trump said he would not stand for continue high tariffs on US dairy products, and threatened to simply keep Canada out and impose tariffs on autos.Leblond said it would be political suicide for Trudeau’s Liberal administration, with one year before a general election, to give in to US demands for significantly greater access to Canada’s protected dairy market.“If they want Canada to ditch (dairy) supply management, I don’t see how the Liberals could sell that to Canadians in an election year,” he said. “It’s too much of a risk politically.”The opposition Conservatives also sounded alarms.“I am troubled that despite the fact that NAFTA grew out of the Canada-US free trade agreement, Mexico appears to have usurped our role as the key US trade partner,” lawmaker and trade critic Erin O’Toole said.Conservative leader Andrew Scheer tweeted that “Canada is on the outside looking in while Canadian jobs hang in the balance.”He blamed Trudeau, saying “his economic failures have ruined Canada’s bargaining position and jeopardized thousands of jobs.”Good start’ or ‘catastrophic’But Jerry Dias of the Canadian auto workers union said what’s on the table “is a good start” and “significant.”He pointed to labour and rules of origin provisions broadly outlined in the Mexico-US deal that he said Trudeau’s negotiators are seeking.“A lot of people are viewing this as a negative but I don’t see that at all,” he told AFP. “Canada has been leading the charge for raising Mexican workers’ standard of living.”The US-Mexico agreement has tougher new protections for collective bargaining, and requires 40 per cent of autos receiving duty-free treatment to come from factories where workers make at least US$16 an hour.“Mexico made a quantum shift from where they were thanks, I think, to their new president who argued that NAFTA was terrible for Mexican workers who got the jobs but not the pay,” he said.University of Laval professor Louis Belanger agreed, explaining that the US-Mexico issues were obstacles to reaching an accord and needed to be resolved separately before trilateral negotiations could continue.But he said a quick conclusion to trilateral negotiations appears unlikely.“What has happened is not that the Americans or the Mexicans have decided to go faster between them, it’s just that over the last few months, the Americans have arrived at the negotiating table with requests that specifically targeted Mexico, especially with respect to their proposals in the auto sector,” Belanger said.He added that Canada must “try to take advantage of the situation and the time that is running out to pull even more concessions or hope that the Americans will abandon a number of their demands.”“The catastrophic scenario” for Canada, Belanger said, would be for the Trump administration “to quit NAFTA and sign a partial agreement with Mexico.”
Thomas Peter/APPresident Trump and China’s President Xi Jinping attend a state dinner at the Great Hall of the People in Beijing last month.Although candidate Donald Trump had little good to say about China, by the time President Trump visited Beijing as part of his Asian tour last month, he was touting the “great chemistry” enjoyed with Chinese leader Xi Jinping.However, the administration’s first national security strategy, unveiled on Monday, takes a hawkish stance on China — a departure from the days of President Barack Obama.The report accuses China of seeking to “displace the U.S. in the Indo-Pacific region, expand the reach of its state-driven economic model and reorder the region in its favor.”As NPR’s Rob Schmitz reports from Shanghai, China is not taking the news well, calling the Trump administration’s national security report “self-serving.”“This is pretty much a direct about-face from where they were in the Obama plan, where they were talking about welcoming China’s rise in a certain way,” Graham Webster, a U.S.-China relations researcher at Yale Law School, tells Rob.The “certain way” proviso is a reference to the Obama administration’s cautious embrace, meant to acknowledge the rise of a global power while projecting hope that the inevitable rivalry between the U.S. and China could be a friendly one. The Obama White House had tried to nurture Beijing as a “strategic partner” with Washington.By the end of Obama’s second term, there were “victories” that both sides could point to, Webster says. “There was climate change and the Paris agreement, where China and the U.S. played a big role. There was cooperation on disaster response and public health. And there was even a breakthrough on cybersecurity that they thought they’d get to a position where they were promoting norms together,” he says.With the Trump administration, the Paris Agreement is already a dead letter. In the new national security strategy, China is mentioned 23 times, nearly twice as many times as it was in the Obama administration’s last report. “[Not] once was China framed in a positive light,” Rob notes.It is very different from Trump’s remarks in China last month in which he stood next to Xi saying the two sides had “a chance to strengthen ties and improve the lives of our citizens and stand together against those who threaten our civilization.”Instead, the new report harks back to the 2016 campaign trail, when candidate Trump was calling out China as a currency manipulator, before backing off as president months later.The turnabout in Trump’s new strategy seems to have caught Beijing by surprise. China’s embassy in Washington had some choice words in response.“It is completely egotistical for any nation to put its interests above the common interests of other nations and the international community. It will lead to a path of self-isolation,” the embassy said in a statement.“The Americans on one hand say they want to develop a partnership with China, but on the other hand they take an oppositional stance. This is contradictory,” it said.The report comes as the Trump administration is wrapping up a deep dive into Beijing’s trading practices. Once those investigations are complete next year, they might lead to action against China in the form of tariffs and trade barriers.Copyright 2017 NPR. To see more, visit http://www.npr.org/. Share
Largest Quest Apartment Hotel opens in Melbourne’s DocklandsLargest Quest Apartment Hotel opens in Melbourne’s DocklandsQuest Apartment Hotels reached a major milestone with the launch of Quest NewQuay in Melbourne’s Docklands, the network’s largest property.Quest Apartment Hotels General Manager – Growth said “Quest NewQuay is the network’s largest apartment hotel featuring 221 serviced apartments. Situated in the heart of Melbourne’s Docklands, the property is located within walking distance of Victoria Harbour and Melbourne’s CBD. We have worked closely with our development partner MAB Corporation and the Victorian Government to ensure that our guests enjoy a premium home-away from home experience in the heart of Melbourne’s Docklands,” Mr Shields said.Developed by MAB Corporation, Quest NewQuay is the fourteenth tower completed by MAB, bringing the property developer’s total investment in the precinct to more than $2.5 billion. QuestApartment Hotels Chief Commercial officer, Craig Ryan, said Quest NewQuay, our most ambitious property to date at approximately double the size of the average Quest property, is perfectly suited for professionals or families relocating to Melbourne.“The Docklands has grown to become one of Australia’s most vibrant precincts and will continue to attract families, business travellers and tourists for years to come. The demand for servicedapartments in this area is growing each year and we’re very proud to deliver the City of Melbourne’s largest number of two- and three-bedroom apartments.”The Docklands has attracted more than $12 billion in private investment as part of its urban renewal plan. Development Victoria Group Head of Precincts, Geoff Ward, said Quest NewQuay is an asset to the precinct and a great choice for guests visiting the Docklands.“The Docklands has now matured, evidenced by the fact that the area is home to 11,000 people and 60,000 workers. It also attracts millions of visitors each year and is home to some of Australia’s largest domestic and international headquarters, so Quest NewQuay is well positioned to service visitors and corporate travellers in the area,” Mr Ward said.Quest NewQuay is the network’s thirteenth property in the City of Melbourne and features studio and one, two and three-bedroom apartments with fully-equipped kitchenettes, laundry facilities and a private balcony. The property also features a business centre, conference facilities, gymnasium, secure parking and a rooftop alfresco BBQ and entertainment area.The apartment hotel is situated within walking distance of Marvel Stadium, The District Docklands and Melbourne’s free tram zone. Quest NewQuay is 20 minutes from Melbourne Airport, which caters well to business travellers in need of a direct route to and from the city.Purchased in 2016, the property is owned by Ascott-Qatar Investment Authority’s joint venture.Quest NewQuay is one of 9 new property openings across Australia, New Zealand and the UK in the next two years, including St Kilda Road (VIC), South Perth Foreshore, Burwood East andJoondalup (WA); Orange; Taurangxa Central, on Tuam and Mount Eden (NZ) and Liverpool (UK).For more information go to questnewquay.com.au Source = Quest Apartment Hotels
Share in Secondary Market January 24, 2014 434 Views Agents & Brokers Attorneys & Title Companies Delinquency Freddie Mac Investors Lenders & Servicers Mortgage-Backed Securities RMBS Service Providers 2014-01-24 Tory Barringer Freddie,Secondary Business Increases at Freddie Mac “”Freddie Mac’s””:http://www.freddiemac.com/ mortgage business grew–albeit slowly–in December, capping the year with an overall negative growth rate.[IMAGE]According to the GSE’s “”December volume summary””:http://www.freddiemac.com/investors/volsum/pdf/1213mvs.pdf, its total mortgage portfolio grew at an annualized rate of 0.4 percent for the month, bringing the 2013’s average rate to -2.6 percent.[COLUMN_BREAK]The portfolio grew in four out of last year’s 12 months and shrank in eight, including a streak of declines from July through November.As of the end of the year, the portfolio was valued at approximately $1.91 trillion.Total purchase and issuance volume grew in December to $25.4 trillion, its highest level since September.Single-family refinance purchase and guarantee volume was $10.8 billion, representing 50 percent of total purchases or issuances. Relief refinance mortgages comprised about 29 percent of refinance volume.Meanwhile, multifamily new business activity was $3.7 billion, bringing Freddie Mac’s yearly total to $25.9 billion.The single-family seriously delinquent rate was down to 2.39 percent, down from 2.43 percent, while the multifamily rate was up to 0.09 percent, its highest level since June.Freddie Mac reported 6,731 loan modifications in December and 83,188 modifications for the whole year.
in Daily Dose, Data, Featured, Market Studies, News Baby Boomers Credit Check Millennials TransUnion 2015-10-21 Staff Writer Although millennials are less likely than baby boomers to identify milestone life events that could affect their credit, over half them are checking their credit when taking out a mortgage loan.An online survey from Transunion of 1,136 U.S. consumers, ages 18 and up found that less than half of millennials surveyed are aware of major life event that could positively or negatively affect credit.Transunion determined that consumers of all ages are usually unprepared for life events when credit is needed because they do not check their scores before or after the life event.Approximately 49 percent of all respondents said they checked their credit when planning for or experiencing a milestone. However, 58 percent of those surveyed noted that they did check their credit score when seeking a mortgage loan, indicating that they were slightly more likely to check their credit when taking out a loan.“It’s important for all people to understand the effect of life milestones on their credit so they can put themselves in a position to reach personal and financial goals,” said Ken Chaplin, SVP at TransUnion. “This survey reveals that many people, especially younger adults, may not be prepared for how certain events, such as marriage, buying a home or getting a car could alter their credit scores.”The availability of mortgage credit to borrowers declined slightly in the second quarter of 2015, despite impactful federal efforts to expand the credit box.The Urban Institute’s Housing Finance Policy Center reported in their Housing Credit Availability Index (HCAI) that mortgage credit availability decreased from 5.5 in the first quarter to 5.3 in the current quarter.However, the report notes that credit access remains above the all-time low of 4.6, which occurred in the third quarter of 2013.Effort to expand the credit box have been made on both ends and are “having an impact” within the mortgage industry.Click here to read Transunion’s full report. Over Half of Millennials Check Credit When Applying for Mortgage Loan October 21, 2015 519 Views Share
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By George CoucounisThe Municipal Council, District Officer or Community Council has the power to issue a building permit under which an interested person is allowed to commence building works, as long as the authority is satisfied that the permit relates to works for which the application is submitted in accordance with the Streets and Buildings Law and the town planning permit issued.The building permit is valid for three years and can be renewed after an application by the person named therein, for as long as the town planning permit is renewed and is valid or provided the works to which it refers have started but haven’t been completed; the works must be essential and actively executed at the time of the expiration of the permit.Moreover, it can be renewed when the works haven’t commenced during the validity period of the original permit due to a procedure pending before the Rent Control Court for the re-possession of the property to which the permit refers. At the time of the renewal of the permit the competent authority has the power to amend the terms under which it was originally issued or even dismiss the application for renewal, provided the power derives from a later and applicable regulation and that the new or the amended terms or the dismissal relate to the works which haven’t been completed.Any person who constructs a building without a permit commits a criminal offence and independently of the imposition of an administrative fine and in addition to any other penalty, the court may order the demolition of the building or any part thereof within a period of two months, unless in the meantime a permit is obtained from the relevant authority.Relevant is the judgment of the Supreme Court issued on 21.5.2018 where it examined the appeal of a company which had been convicted for the offence of executing works without a building permit and the court of first instance imposed a fine and issued a demolition order of the building alterations and additions made to the existing building.The company alleged that the amendments and additions to the existing building did not fall under the provisions of the law for which a permit was required. The Supreme Court upheld the judgment and the manner the court of first instance interpreted the law and held that whether a structure is considered as a “building” or not is a factual issue. Furthermore, it referred to jurisprudence emphasising that the law strictly prohibits not only the construction of a building without a permit, but also the re-construction or alteration, additions or repairs.The Supreme Court added that the issue of an order for the demolition of an illegal building can be avoided only when the deviation from the building terms is immaterial. It adopted the findings of the court of first instance that the works which were carried out on the existing building constituted building alterations and additions within the meaning of the law and which do not fall under the exemptions for which no permit is required.There was an alteration made to the skeleton of the building, to the metal ceiling and to the floor of the building, to the glass divisions of the offices, as well as an addition of a new metal skeleton around the building beyond the building line and an addition of a corridor at the back of the building. These alterations and additions were not made for the maintenance and improvement of the approved building, but they completely altered its appearance and they are considered additions beyond the approved building line. Consequently, a town planning permit and a building permit should have been obtained by the appropriate authority and the Supreme Court dismissed the appeal.George Coucounis is a lawyer specialising in Immovable Property Law, based in Larnaca, Tel: 24 818288, firstname.lastname@example.org, www.coucounislaw.comYou May LikeSenior Living | Search AdsCheap New Senior Apartments in California Are Turning HeadsSenior Living | Search AdsUndoHealthZapHe Donated His 80-Year-Old Monkey Toy To A Museum And Met His Long-Lost CousinHealthZapUndoHead CrampPeople Now Do This With VapoRub – So CleverHead CrampUndo Limassol police investigating attempted murderUndoMorphou bishop now claims gay men have a ‘nasty smell’UndoFresh case of Blue Nile virus in northUndoby Taboolaby Taboola
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