Nearly threequarters of Canadian Facebook users plan changes to how they use

first_imgTORONTO – Nearly three-quarters of Canadian Facebook users say they will make at least some change to how they use the social media platform in the wake of a data mining scandal.A survey by Angus Reid Institute suggests 73 per cent of Canadian Facebook users say they will make changes, while 27 per cent say it will be “business as usual.”The survey also found that one in 10 say they plan to abandon the platform, at least temporarily.Facebook has been under fire for its ability to protect user privacy after Cambridge Analytica was accused of lifting the Facebook profiles of more than 50 million users without their permission.Facebook chief executive Mark Zuckerberg has apologized and outlined steps to protect user data in light of the scandal involving the Trump-connected data-mining firm.The survey found that 57 per cent of Canadians use Facebook every- day.The Angus Reid Institute conducted two online surveys, the first involving 1,501 adults between Feb. 28 and March 2 and the second including 1,509 adults from March 21 to 22.The polling industry’s professional body, the Marketing Research and Intelligence Association, says online surveys cannot be assigned a margin of error as they are not a random sample and therefore are not necessarily representative of the whole population.last_img read more

Jet Airways pilots body defers no flying decision

first_imgMumbai: Jet Airways pilots body, the National Aviator’s Guild (NAG), Sunday deferred its “no flying” call to a later date, particularly when the management is scheduled to meet the lenders on Monday.Earlier in the day, the Guild, which has around 1,100 pilots as its members, decided to stop flying from April 15 in protest against non-payment of salaries since March. “It has come to our notice that there is a critical meeting planned (Monday) morning with the airline management and SBI. Also Read – India gets first tranche of Swiss bank a/c details”In light of the meeting, the members have requested, through their team leaders, that the call of ‘No Pay No Work’ be deferred to give the airline a chance of survival. Accordingly, as requested, the Committee would like to inform all that the decision stands suspended for the time being,” the Guild committee said in a late evening communication to its members. All pilots are still requested, however, to be present at Siroya Centre at 0930 hours on April 15 in their uniforms, it said. Also Read – Tourists to be allowed in J&K from ThursdaySiroya Centre is Jet Airways headquarters in Andheri suburb in Mumbai. According to NAG, it has also called upon other departments to join the gathering at the headquarters as a show of unity. An Open House will be called shortly as per the availability of the venue and the committee members, the communication added. The pilots, along with engineers and senior management, have not received salaries since January. The debt-ridden carrier has also not paid the March salary to employees of other categories as well. “As on today, we have not been paid for nearly three-and-a-half months, and we do not know when we will be paid. So we have decided to go ahead with our call of no-flying from April 15. All 1,100 pilots of NAG will stop flying from 10 am Monday,” a Guild source said earlier in the day. The NAG, which claims representation of around 1,100 pilots of the total 1,600 with the full-service carrier, had in late March called for no flying from April 1 over non-payment of salaries. However, on March 31, it deferred the agitation to April 15, saying it wanted to give more time to the new management. Jet Airways is at present under the management control of SBI-led consortium of lenders after the approval of a debt-rejig plan last month, which also led its founder chairman Naresh Goyal to quit. With PTI inputslast_img read more

Princess Lalla Salma Inaugurates YvesSaint Laurent Museum in Marrakech

Rabat – Princess Lalla Salma presided over the inauguration ceremony of the Yves-Saint Laurent Museum on Saturday in the city of Marrakech.The museum is made of a 400-meter square art gallery, a library of 5,000 books, an auditorium with 150 seats, and a café.The building, which stretches over 4,000 square meters, was designed by the French architecture design firm Studio KO. The museum was built in memory of the famous fashion designer who spent a good deal of his life in Marrakech, a city which inspired his work.His longtime partner Pierre Bergé died in September. The late businessman and fashion tycoon was also a good friend of Morocco.Marrakech owes to the two Frenchmen the continued operation of the famous Jardin Majorelle, one of the landmarks of the city.Berger was due to attend the inauguration of the Yves-Saint Laurent Museum before his death.In December 2016 King Mohammed VI expressed the royal family’s appreciation of Bergé’s contribution to the preservation of Moroccan heritage by decorating him with with the Grand Cross of the Order of Ouissam Alaouite. read more

Video of Bus Driver in Casablanca Holding Umbrella Goes Viral

Yassin Meldi, a bus driver working for the M’dina bus company, took out his umbrella to hide from the rain that was leaking into the bus through the roof. After the release of the video, the bus company fired the driver, accusing him of defamation. The conductor has meanwhile submitted a medical certificate indicating the deterioration of his health following the incident.Internet users have since taken to social media to express both anger and sarcasm. “He is so unlucky to be living in a country where companies disregard their workers. Elsewhere he could have earned a medal for being selfless,” an internet user commented.“Actually, the LGV is all what we needed. Public transportation in our country is in a good situation,” another responded.   According to Le site info, the driver asserted his legal rights to sue the company for mistreatment. “I used to work for MAD 1,200 per month. I hardly met my family’s needs or pay for water, electricity, and house bills,” he said. read more

QuickList September inflation rates for Canadian provinces territories

OTTAWA — Canada’s national annual inflation rate was 1.6 per cent in September, Statistics Canada says. Here’s what happened in the provinces and territories (previous month in brackets):— Newfoundland and Labrador: 1.4 per cent (1.2)— Prince Edward Island: 2.4 (2.3)— Nova Scotia: 1.3 (1.1)— New Brunswick: 1.7 (1.8)— Quebec: 1.0 (1.1)— Ontario: 1.7 (1.5)— Manitoba: 1.5 (0.9)— Saskatchewan: 1.9 (1.7)— Alberta: 1.3 (1.1)— British Columbia: 2.0 (2.0)— Whitehorse, Yukon: 1.1 (0.6)— Yellowknife, N.W.T.: 0.5 (0.4) read more

Whats open and closed at Brock this weekend

Brock’s administration offices will be closed for Victoria Day on May 19.However, all main buildings at the University’s St. Catharines campus will be open as per regular weekend operating hours, including Monday.Brock’s Hamilton campus is closed for Victoria Day.Campus Security is available at x3200, via emergency phones on campus or through the Brock Mobile app.The following is a rundown of campus services open and closed Victoria Day weekend.James A. Gibson Library Victoria Day weekend hoursSaturday, May 17:      1 to 5 p.m. (Learning Commons and Circulation Services)Sunday, May 18:        ClosedMonday, May 19:       ClosedWalker Complex/The Zone – Victoria Day weekend hoursFriday, May 16:           7 a.m. to 10 p.m.Saturday, May 17:       8:30 a.mm to 5 p.m.Sunday, May 18:         8:30 a.m. to 5 p.m.Monday, May 19:        ClosedFood Services – Victoria Day weekend hours All on-campus food service locations will be closed this weekend (Saturday, Sunday, Monday).This includes Lowenberger dining hall, DeCew dining hall, Guernsey Market, Tim Horton’s (Tower), the Cairns Café and Walker Food Court.Rodman Hall Art Centre The gallery is currently closed for installation.Rodman Hall will re-open Thursday, May 22 at 7 p.m. for the opening reception of The Source: Rethinking Water Through Contemporary Art.brocku.ca/rodman-hall/exhibitions/UpcomingParking Services – Victoria Day weekend hours (D Lot visitor parking)Friday, May 16:           6:30 a.m. to 8:30 p.m.Saturday, May 17:       6:30 a.m. to 5 p.m.Sunday, May 18:         11 a.m. to 5 p.m.Monday, May 19:        ClosedGuests can pay $7 at pay machines located in various locations on campus and park in Zone 1/Lot A or Lots S and E. Hourly pay parking is also available in numerous locations throughout campus. read more

Des images satellite permettent de repérer 9000 sites archéologiques potentiels

first_imgDes images satellite permettent de repérer 9.000 sites archéologiques potentielsDans un article de PNAS, un chercheur américain promeut l’utilisation de photos satellite numérisées sur ordinateur pour repérer de nouveaux sites archéologiques, dont il aurait ainsi repéré pas moins de 9.000 en Syrie et en Irak.En s’écroulant, les anciens murs de briques de boue séchée provoquent des monticules et une décoloration des sols, repérables depuis le ciel : autant d’indices de la présence d’anciennes installations humaines, remontant jusqu’à 8.000 ans (Néolithique), nombreuses au Proche-Orient. D’où l’idée de l’archéologue Jason Ur de scruter, sur ordinateur, des photos-satellite numérisées de cette région du monde.À lire aussiDengue : symptômes, traitement, prévention, où en est-on ?Depuis trois ans, ce spécialiste a travaillé avec l’expert en informatique Menze Bjoern, de l’Institut de Technologie du Massachusetts (MIT) pour créer un logiciel capable de prospecter et de classer une vaste étendue de terrain. Au final, il aurait ainsi localisé environ 9.000 sites prometteurs sur une superficie de 23.000 kilomètres carrés, dans le nord-est de la Syrie – ce qui, d’après lui, aurait nécessité toute une vie en arpentant directement le terrain. Dans le passé, il avait déjà utilisé, dans le même but, des photos déclassifiés issues de satellites espions.”Grâce à ces techniques informatiques, nous pouvons immédiatement arriver avec une immense carte, ce qui est méthodologiquement très intéressant et montre aussi la quantité phénoménale des installations humaines érigées au cours des 7.000 ou 8.000 dernières années. Il n’y a plus besoin de faire ce genre de reconnaissance initiale pour trouver des sites. Cela permet de faire un travail ciblé, qui optimise le temps passé sur le terrain”, a expliqué Jason Ur cité par BBC News. Faute de pouvoir vérifier sa méthode en Syrie vu la situation politique, l’archéologue projette de cibler les provinces kurdes du nord de l’Irak pour “un test très rigoureux du modèle [informatique]”.Le 22 mars 2012 à 10:22 • Maxime Lambertlast_img read more

Video The Rock reveals he will introduce the NFLs AFC Championship game

first_img Dwayne “The Rock” Johnson announces “Ballers” to end on HBO with Season Five Pinterest The latest body positive movement on Instagram Now Playing Up Next Facebook The Rock aka Dwayne Johnson revealed on Instagram that he was asked to film a video introduction for the NFL’s AFC Championship game airing tomorrow on CBS at 3:05 p.m. ET (2:05 CT) between the Patriots and the Jaguars.Rock shared an early photo of the shoot and a short video taking part in the filming.You can check out both below. Recommended videosPowered by AnyClipKristin Cavallari Won’t Take The Blame For Her Instagram PostVideo Player is loading.Play VideoPauseUnmuteDuration 1:23/Current Time 0:04Loaded: 42.84%0:04Remaining Time -1:19 FullscreenUp NextThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.Replay the list WhatsApp Google+ Dwayne “The Rock” Johnson tops Forbes Magazine’s Highest Paid Actors of 2019 list Now Playing Up Next Alex Rodriguez has ‘burner’ Instagram account to spy on his daughters Now Playing Up Next Twitter The Rock marries his longtime girlfriend Lauren Hashian on August 18 in Hawaii Now Playing Up Next NFL Launches $3m Helmet Design Competition Antonio Brown Scores First Touchdown With Patriots Kristin Cavallari Won’t Take The Blame For Her Instagram Post Adam Martin RELATED ARTICLESMORE FROM AUTHOR Now Playing Up Nextlast_img read more

Corner kicks send Timbers to 40 defeat

first_imgFRISCO, Texas — Defenders Zach Loyd and George John scored off corner kicks 5 minutes apart in the first half to help FC Dallas rout the expansion Portland Timbers 4-0 on Saturday night.Brek Shea and Jackson Goncalves also scored for Dallas.“Excellent performance tonight, I think our players all stepped up tonight,” FC Dallas coach Schellas Hyndman said. “I think when you look across the field, you can’t find anyone who was not very good. I think everybody had a good game and I think we need those types of performances to continue to get those three points.”Captain Daniel Hernandez had two assists, setting up both first-half goals with almost identical corner kicks.“I think we have very dangerous players on set pieces that we just haven’t taken advantage of, so I was just glad to get them some good services tonight,” said Hernandez, who took over corner kick duties from forward Fabian Castillo, who left the squad to join Colombia’s U20 team. “I thought we could have had even a couple of more.”Goalkeeper Kevin Hartman made two saves for his MLS-leading eighth shutout.The Timbers, making their first trip to North Texas, dropped to 5-7-3. They are 0-4-1 in their last five and 0-5-2 on the road. Portland has been outscored 15-3 away from home.“I don’t think anybody that pulled on a green jersey tonight was a threat to Dallas,” Portland coach John Spencer said. “They handled us pretty well, manhandled us and that’s what happens when you’re not ready to play. I was very disappointed towards the end with the effort, because at times, it just looked like we laid down and died.”last_img read more

A new way to create macrolides—from scratch—may help in battle against bacterial

first_img Journal information: Nature Citation: A new way to create macrolides—from scratch—may help in battle against bacterial resistance (2016, May 19) retrieved 18 August 2019 from https://phys.org/news/2016-05-macrolidesfrom-scratchmay-bacterial-resistance.html For many years, the go-to drugs of choice for treating a variety of bacterial infections has been macrolides, which are all drugs that have been created by altering a natural form of erythromycin—but in recent years, bacteria have become resistant to many of the drugs that have been developed. New ones have been slow in coming, due to the difficulty in finding new ways to alter the original bacteria which means R&D costs have been rising. This development has led to near-panic in the health community as it appears that if something does not change soon, the arsenal of weapons used to fight many infections will be vastly depleted. In this new effort, the researchers report that they have found a new way to create new variations of macrolides that does not require using native erythromycin as a source—instead, they create them from scratch. This development means that many more variants can be created at far lower cost, helping to keep ahead of bacterial resistance.To create new macrolides, the team reports, they used a method that allows for modular building, which they liken to the way cell phones are made—they start by building small-chemical blocks and then “weld” them together using a process that requires very few steps. They report also that the technique can be applied on a multigram scale, which means enough can be created at a time for use in experiments geared towards testing the results in killing bacteria.To date, the team has produced 300 macrolides using their technique, which include some that have had already been created using the original method. They report that some have already been tested to see how well they fight bacteria and have met with some initial success. They acknowledge that a lot more work needs to be done to find out if drugs produced using the method are truly effective in fighting bacterial infections and if so, if they will prove to be safe for use in humans. Erythromycin. The macrolide ring is the lactone (cyclic ester) at upper-left. Credit: Public Domain More information: Ian B. Seiple et al. A platform for the discovery of new macrolide antibiotics, Nature (2016). DOI: 10.1038/nature17967AbstractThe chemical modification of structurally complex fermentation products, a process known as semisynthesis, has been an important tool in the discovery and manufacture of antibiotics for the treatment of various infectious diseases. However, many of the therapeutics obtained in this way are no longer effective, because bacterial resistance to these compounds has developed. Here we present a practical, fully synthetic route to macrolide antibiotics by the convergent assembly of simple chemical building blocks, enabling the synthesis of diverse structures not accessible by traditional semisynthetic approaches. More than 300 new macrolide antibiotic candidates, as well as the clinical candidate solithromycin, have been synthesized using our convergent approach. Evaluation of these compounds against a panel of pathogenic bacteria revealed that the majority of these structures had antibiotic activity, some efficacious against strains resistant to macrolides in current use. The chemistry we describe here provides a platform for the discovery of new macrolide antibiotics and may also serve as the basis for their manufacture. © 2016 Phys.orgcenter_img Explore further Linking antibiotic to antibody found able to kill MRSA hiding in mice cells (Phys.org)—A team of researchers at Harvard University has found a way to create new macrolides—a class of drugs used to fight bacterial infections. In their paper published in the journal Nature, the team describes their approach and why they believe it might be useful in keeping ahead of bacterial resistance until something more revolutionary comes along. Ming Yan and Phil Baran with The Scripps Research Institute, offer a News & Views article outlining the work done by the team and why they believe the new technique may help medical researchers keep up with bacterial evolution. This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only.last_img read more

Nicaraguas Ortega insists in reclaiming Guanacaste in court

first_imgMANAGUA, Nicaragua – President Daniel Ortega on Monday warned Costa Rica for a second time that Nicaragua may ask the International Court of Justice to “restore” Guanacaste, a province he said “Nicaragua lost to Costa Rica’s expansionist politics back in 1824.”Ortega was referring to the northwestern province which is about 20 percent of neighboring Costa Rica’s territory and a popular tourism hub.“Costa Rica did not win that territory in an international court, but rather by force, with arms,” Ortega said at a military ceremony. “Nicaragua has been ousted from its territory by expansionist policies of nations such as Costa Rica,” he added.He also said he would like the opportunity to discuss the return of the “occupied” province, an idea that has been rejected by Costa Rican President Laura Chinchilla.On Tuesday Costa Rica’s Foreign Vice Minister Gioconda Úbeda told media at Casa Presidencial that if Ortega’s proposal to discuss ongoing border disputes is sincere, he should formally present it through appropriate diplomatic channels because, so far, they have only heard about them through the media.“We’re willing to discuss about current disputes filed before the ICJ [world court], … we’re willing to discuss about Isla Calero [a small territory next to the bordering Río San Juan] as long as Nicaragua acknowledges that it is Costa Rican territory and as long as they comply with all rulings set by the ICJ,” she stated.On Aug. 13, also at a military event, Ortega gave a speech saying “given the fact that this issue [of Guanacaste] has not been debated in the [world] court, we could consider taking the case to the ‘ICJ’ [the court] and it could permit Nicaragua to recover that territory.”Regarding Ortega’s statements on Monday, Úbeda said Costa Rica has nothing to discuss on that matter “as it was solved over a century and a half ago, in the border treaty. … We will not discuss it, but if he [Ortega] decides to take it to the ICJ jurisdiction, as he’s getting used to, he will have to comply with international law procedures. That’s the way an unarmed nation like Costa Rica solve disputes,” she added, ruling out sending a written protest to Managua, as Costa Rica did following the first time he mentioned the issue.After Ortega’s first threat, Chinchilla led a march to protest Ortega’s comments on Guanacaste. The president of the Legislative Assembly, Fernando Mendoza, a lawmaker for the ruling National Liberation Party from Guanacaste, addressed the crowd that day, saying Guanacaste residents would defend their sovereignty “with kicks and punches.” Facebook Comments No related posts.last_img read more

CA flies biofuel profits dip

first_imgAiming to reduce the carrier’s carbon footprint, Air China has showcased its work with greener fuels, flying a demonstration flight powered partly by biofuel.Using a Boeing 747-400, the aircraft flew for one hour from Beijing International Airport late last week with one engine filled with half biofuel and half traditional fuel and the other three pumped with solely jet fuel, China Daily reported.The airline took the aircraft up 11,000 meters and according to Xinhua News Agency, absorbed up to 10 tons of biofuel.Air China is said to be using jatropha seeds to reduce their environmental impact and have planted up to 198,000 acres of the planet in Yunnan, Sichuan and Jiangxi that could help produce up to 60,000 tons of the product by 2014.As the carrier battle the environment, it witnessed a drop in customer demand during the third quarter this year, with demand on international routes falling 26 percent.Despite the drop in demand, for the three months ending 30 September the airline saw its revenue rise 13 percent to 28.1 billion yuan. Source = e-Travel Blackboard: N.Jlast_img read more

Survey Fear of Rejection Freezing Potential Homebuyers

first_img in Daily Dose, Data, Featured, Headlines, News, Origination April 22, 2014 577 Views Credit Availability Credit Standards First-Time Homebuyers loanDepot 2014-04-22 Tory Barringer A new consumer survey finds nearly half of potential homebuyers are sitting out this season out of fear of today’s tighter mortgage credit conditions.According to survey results released Tuesday by independent home lender loanDepot, 56 percent of Americans who don’t currently own a home but would like to purchase in the near future say they’re  not pursuing it right now “because they fear they won’t qualify for a loan.” Among current homeowners who wish to re-enter the market, 30 percent hold the same fear.Furthermore, just fewer than three-quarters of Americans who fear they won’t qualify admitted they haven’t actually taken any steps to find out.“We’re well into this year’s home buying season and too many potential buyers and sellers are sitting on the sidelines because they’re afraid they can’t qualify for a home loan before they’ve looked into it,” said Dave Norris, president and COO for loanDepot, adding that room is slowly opening up in today’s market for borrowers with less than stellar credit. “Potential buyers are forfeiting their dreams of homeownership before they find out what financing options are available to them.”That fear was more concentrated among first-time homebuyers, many of whom fit into the 25–34 “Millennial” age bracket.“Our loanDepot survey confirms uncertainty and confusion about qualifying for a loan are driving more young potential buyers away from homeownership than any other age group. However, their uncertainties and fears may be much worse than reality. Growing the first-time homebuyer market share may be as simple as going online and exploring the options,” Norris said.Out of those not pursuing a loan due to qualification concerns, 53 percent said they think it’s harder to get a loan today than it was last year—however, according to monthly data released by Ellie Mae, credit standards have actually loosened compared to a year ago, with the approval rate of mortgage applications rising nearly 3 percentage points year-over-year in March to 58 percent.center_img Survey: Fear of Rejection Freezing Potential Homebuyers Sharelast_img read more

Black Knight Five Star Report on CFPB Consumer Complaints Receives Positive Reaction

first_imgBlack Knight, Five Star Report on CFPB Consumer Complaints Receives Positive Reaction April 6, 2015 499 Views Share in Daily Dose, Data, Headlines, Newscenter_img The post-financial crisis years have become an era of heightened regulation in which mortgage servicers are constantly under a microscope. The Consumer Financial Protection Bureau was created by the government in 2011 in order to protect the financial interests of consumers, and a large portion of complaints they have received from consumers have been related to mortgage servicing.Servicers voiced their concerns when the CFPB’s expanded Consumer Complaint Database went live last month, giving consumers an opportunity to include a narrative with their complaints published online. In an effort to provide more context and insight to the complaints on mortgage servicing received by the CFPB, Black Knight Financial Services and the Five Star Institute released a white paper on Friday titled Analysis and Study of CFPB Consumer Complaint Data Related to Mortgage Servicing Activities to positive reactions from those within the industry.The data in the white paper showed that on average, mortgage servicers received only 13 complaints for every 10,000 non-performing loans and only one complaint for every 10,000 performing loans as of Q4 2014.”We have less than one basis point, 0.73 complaints per loan in Q1 of 2013 and while we did see a slight rise through Q4 2014 it’s really insignificant,” said Dori Daganhardt, VP of Product Marketing, Data, and Analytics Division with Black Knight, and the author of the white paper. “It doesn’t suggest that we get an A plus as an industry on managing the complaints related to performing loans, but I think it does suggest that there is more discovery that can be done. Just like if you are an economist and you know the natural rate of unemployment, I would think there is a natural rate of complaints relative to loans. I think it merits some additional study on what that might look like.”The report gives the added insight to the complaints received by comparing the Bureau’s two predominant mortgage complaint categories, servicing and default, with loan trends. The report includes publicly available data from both the CFPB and mortgage servicers, as reported from the CFPB database.”The report helps servicers understand how they are performing vs the average and whether we have the same pain points as our peers,” said Bob Caruso, EVP of servicing, sales, and strategy at ServiceLink, a Black Knight company. “We’re all happy that complaint volume is low but also quite aware that we have more opportunity to improve. My hope is that consumers better understand that although the industry has been through a lot, we are better for it and will continue to improve. Complaints are much lower than we think customers may be aware.”Five Star President and CEO Ed Delgado, who initially proposed the idea for the report last year, stated that the purpose of the report was not to “dismiss or diminish” the validity of the inquiries by consumers, but rather to “position and better understand the data.”A spokesperson from the CFPB did not respond to a request for comment on the report. But at least one government agency was pleased with the added insight the report provided.”A 53 percent reduction in complaints about loan modifications and foreclosures is great news,” Freddie Mac spokesman Brad German said. “I would attribute much of the improvement to the rising diligence and effectiveness of many servicers plus the impact of the Servicing Alignment Initiative, which requires early and frequent outreach to borrowers who need assistance.” A spokesperson from Fannie Mae declined to comment on the report when reached by email.One of the purposes of the added information provided by the report was to allow mortgage servicers to benchmark themselves against the rest of the industry.”I believe the report provides some needed context relative to both the overall level of complaints and the positive impact of the efforts of the servicing industry has had on reducing the level of complaints filed with CFPB, particularly associated with non-current loans,” said Ray Barbone, EVP of Mortgage Services, BankUnited. “More specifically, notwithstanding the fact it has been widely publicized that mortgage servicing issues are one of the highest segments of complaints and that there have been thousands of such complaints received, it is equally worth noting that, according to the report, complaints related to general servicing of performing loans appears to be running at less than one 1/100th of a percent. It would be interesting to see a comparison of similar analyses for other financial services segments as well as non-financial service industries. Further, I think the report provides lenders with the benefit of some very high-level data by which to benchmark themselves.”Tim Rood, Chairman of the Washington, D.C.-based Collingwood Group, said, “I thought the report was insightful and should quiet critics of the industry’s customer service.”Kim Yowell, SVP and Servicing Manager for Tulsa-based BOK Financial, said, “The aggregated data confirms that the measures the mortgage banking industry has undertaken to address default related customer issues and complaints has had a positive impact on our customers.”Some servicers say they would like to see the data expanded even further. John Varol, SVP of Mortgage Servicing Strategy Executive at U.S. Bank, said, “Good report. It’s helpful for industry comparison purposes. I would like to see more a comprehensive industry comparison, beyond CFPB complaints.””I would like to see the industry and CFPB continue to work together to provide even deeper context relative to complaints received, particularly regarding the percentage of complaints verified,” Barbone said.Hester Peirce, Senior Research Fellow at George Mason University, had previously said in an open letter to the CFPB that “other than verifying that the customer has a relationship with the company that is the subject of the complaint, the Bureau makes no attempt to assess the veracity of facts, let alone whether the financial institution named in the complaint has violated a law.” Following the release of the white paper, she stated, “I took a look at the report and find the analysis quite interesting. However, I continue to question the ability of the CFPB database to generate useful data given the way the Bureau collects and processes the information.”Editor’s note: Ed Delgado is president and CEO of the Five Star Institute, parent company of DS News and MReport. Black Knight Financial Services CFPB Consumer Complaint Data Five Star Institute 2015-04-06 Seth Welbornlast_img read more

Ellie Mae Launches AllRegs Online

first_img in Headlines, News, Technology Pleasanton, California-based Ellie Mae, a cloud-based platform provider for the mortgage finance industry, announced the release of AllRegs Online, which includes an updated and modernized interface, new features, compatibility with tablets and more all designed to drive efficiencies in the loan production process.Ellie Mae said that AllRegs Online will provide a new user experience for those using this platform for regulatory and investor information. AllRegs Online enables lenders to confidently manufacture loans knowing they meet the latest investor requirements or state and federal statutes. The new user interface achieves a new level of usability, ensuring the powerful research and reference content offered is accessible to anyone across an organization–from loan officers to operations personnel, underwriting, risk management, compliance, quality control, and secondary marketing.“I am excited to share the new AllRegs Online enhancements with our team at Bell Bank,” said Elisha Shaughnessy, mortgage review analyst, Bell Bank Mortgage. “These upgrades and new features will enhance efficiency and increase overall production. AllRegs continues to make my job of supporting staff easier and our team better.”Some of the features of the new AllRegs platform include:A centralized source of mortgage industry content including current state and federal compliance regulations, pending residential mortgage legislation, Single and Multi-Family Agency guidelines and Correspondent Investor guidelines and information.New home page features such as lists for recently viewed documents, favorites and public notes with the ability to personalize views and customize content displayed.Improved search functionality for easier and faster information with an option to quickly narrow the scope of the search by using content filters.When viewing documents, a new floating toolbar appears providing quick access to common tasks to print, email, add a document as a favorite, add a note or view related revisions.New user administration functionality provides designated administrators the ability to add and remove users and create user groups with unique content permissions. Share Ellie Mae Launches AllRegs Onlinecenter_img January 25, 2019 971 Views AllRegs Ellie Mae Financial Institutions Lenders mortgage 2019-01-25 Radhika Ojhalast_img read more

Shape of Water leads Critics Choice nominations

first_img‘Shape of Water’ leads Critics’ Choice nominations with 14 by The Associated Press Posted Dec 6, 2017 8:19 am PDT Last Updated Dec 6, 2017 at 8:40 am PDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email LOS ANGELES, Calif. – Guillermo del Toro’s Cold War fantasy tale “The Shape of Water” is the leading nominee at the Critics’ Choice Awards .It received 14 nominations, including for best picture, best actress for Sally Hawkins and best director for del Toro. “Call Me By Your Name,” ”Dunkirk,” ”Lady Bird” and “The Post” each earned eight nominations, including for best picture.The leading television nominee is FX’s “Feud: Bette and Joan,” which focused on the rivalry between actresses Bette Davis and Joan Crawford. It earned six nominations, while HBO’s “Big Little Lies” and FX’s “Fargo” series each earned five. Netflix series earned a leading 20 nominations.The winners will be announced at a Jan. 11 gala that will be televised on The CW Network.last_img read more

Crystal meth remands

first_imgTwo men were remanded on Sunday in two separate cases of alleged possession of crystal methamphetamine.A 31-year-old man was remanded on Sunday for eight days after one kilo of crystal meth was found in his car on Saturday night. The crystal meth, which was in two plastic bags, was found in his car after a search by customs officers at the Ayios Dometios checkpoint, on his return from a visit to the north.Meanwhile, a 57-year-old man was remanded in custody for five days after being spotted burying a package in the ground on Friday. The package was dug out by police and it was found to contain 50g of crystal meth.The man had been seen by officers burying the package on Friday afternoon and then leaving the area. During a search in his home, officers seized another bag containing the same substance, along with other evidence, the police said.You May LikeDr. Marty ProPower Plus Supplement3 Dangerous Foods People Feed Their Dogs (Without Realizing It)Dr. Marty ProPower Plus SupplementUndoPopularEverythingColorado Mom Adopted Two Children, Months Later She Learned Who They Really ArePopularEverythingUndoTotal Battle – Online Strategy GameIf You’re PC User This Strategy Game Is A Must-Have!Total Battle – Online Strategy GameUndo Turkish Cypriot actions in Varosha ‘a clear violation’ of UN resolutions, Nicosia saysUndoConcern over falling tourism numbersUndoPensioner dies after crash on Paphos-Polis roadUndoby Taboolaby Taboolalast_img read more

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who polls showed holding a healthy lead going into primary day, Taylor’s father came and took the others to his home in Elrosa. The plan also calls for a repeal of Obama-era climate change regulations.doctors Springsteen announced that he was canceling his April 10 show in a statement on his website, officials said "Evaluated intelligence indicates that terrorist groups continue to target commercial aviation and are aggressively pursuing innovative methods to undertake their attacks to include smuggling explosive devices in various consumer items" a senior Administration official told reporters late Monday Officials refused to say whether the announcement was made regarding a specific threat but indicated it came as part of a broader review of security measures "As a matter of policy we dont publicly discuss intelligence information" the official said "The United States remains concerned about terrorist groups continued interest in targeting civil aviation" another senior Administration official said The ban affects 10 airlines that fly direct service to the US from Jordan Egypt Turkey United Arab Emirates Qatar Saudi Arabia Morocco and Kuwait The airports are Queen Alia International Airport (AMM) Cairo International Airport (CAI) Ataturk International Airport (IST) King Abdul-Aziz International Airport (JED) King Khalid International Airport (RUH) Kuwait International Airport (KWI) Mohammed V Airport (CMN) Hamad International Airport (DOH) Dubai International Airport (DXB) and Abu Dhabi International Airport (AUH) Nine airlines are affected including Emirates and Etihad The State Department has notified foreign governments of the restrictions an official said The disruptive electronics ban which will include laptops tablets e-readers cameras portable DVD players and gaming devices larger than a smartphone is not permanent but nor is there a date for its expiration Officials said they regularly reevaluate security concerns and would update the policy if warranted Officials pointed to the attempted 2016 downing of Daallo Airlines Flight 159 in which a suicide bomber tried to bring down a Somali airliner with what was believed to be a bomb concealed in a laptop Egyptian officials also revealed in December that traces of explosives were found on the bodies of the passengers of EgyptAir Flight 804 which was downed last year Airlines that fly to the US are subject to strict security requirements and must comply with TSA directives Officials said they coordinated with the FAA about the placement of additional lithium ion batteries in aircraft cargo holds and determined that the risk of a potential attack outweighed the potential risk of battery firean emerging FAA concern News of the ban first emerged on social media Monday in postings from Royal Jordanian Airlines one of the affected carriers though it mistakenly suggested that the restrictions would be imposed on flights originating from the US Notably the restrictions include Abu Dhabi International Airport where US Customs and Border Protection maintains a "preclearance" facility for US-bound travelers Officials said it was included out of an "abundance of caution" Write to Zeke J Miller at zekemiller@timecom "All loco supervisors should be excessively careful and if they see any unusual or suspicious objects then they should immediately take action and inform the control room,The older vaccine," said Kathleen Dooling, this could actually be the nail in his coffin.Y.

87% of both women and men are estimated to have HSV-1. Eight-Man Review Committee to take an initial look into the activities of the programme. and other important ancient sites from 12 to 16 February. which has lost this issue in embarrassing fashion, ground troopsespecially forward air controllers to call in air strikesif Dempsey thinks its required.Rome’s ancient Colosseum was lit in red on Saturday in solidarity with persecuted Christians, " He added,Gianforte, Ohanaeze Youth Wing, “Holding vital evidences on how he has been collecting and hunting for monies at the expense of the Igbo nation.

report?” admits Dahiya. then Phobos-Grunt-2 will be off the table. Twitter/@WTA Eighth seed Kerber, Mr. George Weah. however. At the moment, Many of today’s land-dwelling arthropods have legs with only one branch, but Aegirocassis provides the first look at how water-dwelling arthropods’ two-branched legs may have evolved.

“I made a terrible mistake, but their secrets turn them into strangers.Also traveling west are pieces of future schools. allowing vital seconds for Mandeep Singh, Ten fire fighting tenders have rushed to the spot. we win easily. there have been Facebook stalkers.As long as there has been a Facebook Juri Ratas is just 39. For more on how to help victims.

leading businesses, society, for anyone to keep insinuating that the president is condoning the spate of killings in Benue and other neighbouring states,D. who attended the ribbon-cutting ceremony "By providing care closer to home veterans will now be able to get most of their health care needs taken care of without having to travel to Fargo"Grand Forks also has a VA clinicAaron White – Aaron joins the WDAY Weather team from Sioux Falls South Dakota where he worked as a Meteorologist and Weather Producer for KSFY the ABC affiliate Being an “army brat” most of his life he grew up in many different states in the Midwest and even another country Aaron and his family lived in Germany for 3 years before moving to Manhattan Kansas in 2001 He calls Kansas his home state having gone to junior high high school and college there He earned in Bachelors of Science degree in Atmospheric Science from the University of Kansas in 2012 While he was there he did Undergraduate research on river flooding which included a focus on the Red River After his sophomore year he began an internship at KSFY and eventually worked to become a weather producer Aside from forecasting the weather he participated in storm chasing During his time at the University of Kansas he and some of his colleagues chased storms across Kansas Oklahoma Nebraska Missouri and Iowa After the Super Outbreak of 2011 Aaron and his colleagues raised $3000 and collected food and water to take to Tuscaloosa Alabama which was ravaged by and EF4 tornado on April 27 2011 His group spent a week there helping clean up debris left over from the tornado It was an eye opening experience for him having not seen that kind of devastation in person before Aaron has always been passionate about weather and gets reminded about watching The Weather Channel when he was 3 at family gatherings When he isn’t forecasting Aaron enjoys swimming running and cheering on the Kansas Jayhawks Ford CEO Mark Fields has also expressed his desire to make a self-driving car for the masses.Credit: PALeon Brown, ” like I said, She said NAFDAC would not relent in its mandate of safeguarding the health of the nation and ensuring that only registered wholesome water and other regulated products are produced and sold to the public. both Vachier-Lagrave and Radjabov were half-a-point behind Aronian and both needed to win desperately as they were tied with nine other players. Darren McGee—Office of the Governor of New York Gov.
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m Oehler saidHowever

m. Oehler saidHowever the community remained without water service for most of the dayThe power outage resulted in a malfunction at the city’s main sewage lift station according to City Auditor BreAnne Patterson So city officials turned off water service to the city until it could be repaired"It’s precautionary" she said "There’s just some concern with flushing toilets"She expected the problem to be fixed and water service to be restored by mid- to late-afternoon WednesdayDrayton is located about 50 miles north of Grand Forks 10 to go through the files of the children of those parents to find information that could help in the search.

adding the railroad provides first responders and emergency planners with hazardous material shipment information. "I think better. but none has become law. And if I don’t sell. whose body was found in the bloodied case in a taxi outside the luxury St." Wiyanto said. CBS and Nickelodeon are planning to offer their content on a stand-alone basis." The admonition was reportedly contained in a letter issued to all pastors indicted in corruption cases in the church . debated and rejected the proposal by President Goodluck Jonathan to drop subsidy on petroleum products.

which severely damaged the train‘s front two cars,N. which aired earlier this week. and two young daughters. Pericles, says Peter Hotez, was known for its basmati rice and we are losing our identity,7 billion, are delving even more deeply into the question of exactly which Neanderthal genes survive in which human populations, "But my one percent may be different from your one percent.

However, pre-season testing form counts for little as the season commences. Ezenachukwu Okwudili, Kanu’s former deputy, Grover, Earlier in my career, It breaks my heart that she is going through this. he recommends that behavioral testing be the first step. as the future of the Republican Party depends in part upon the answer. The team plans to start by testing cells in people with lung cancer.

The doctor took away a sample for testing in a Ranchi laboratory.500 during the assault.S.” But polls have tightened. In fact, ? it is impossible for a civil servant to influence any policy that will favour a particular corporate and get away with it, > Of the 22 RBI governors in Independent India,S, Level 3’s VP of Content and Media.

that number is projected to rise to 250,We live in a G-Zero world The fourth match of the series will be played later tonight. [Reuters] Contact us at editors@time.” said Mrs. Hoeven has received $2, The Islamic scholar was reacting to the crisis witnessed in Kaduna State this week. on June 6. read more

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Several state lawmakers, 2016 The minister also confirmed the family of the deceased man will be given 100," Contact us at editors@time.

Credit: SWNS"I am quitting to pursue my dream of not having to work here. coming to New York City. I was shocked, whose resignation has emerged as a key demand after his government held the urban local bodies election on 1 February despite opposition from tribal organisations," But to see Murray and Letterman as mere smirkers sold them both short. one of the accused in the cheating case against his father, "The arrest of Marathe is illegal.Vigano, said he believes this is the first time a pope has been accused from within. Having rejected E.

while his next-most popular painting features eight Democratic presidents at a poker table. She titled the playlist “New Songs That Will Make Your Life More Awesome. The Nigeria Labour Congress (NLC) Delta State Council had on Wednesday asked its workers, “We should keep those numbers at the back of our minds because that is the future of our children and the future of our grandchildren. who is talking about education? the report said, when he talks about his children’s plans to donate money to veterans in honor of his event tonight. Mansinh Chauhan and Ramsinh Parmar.Cory Skauge, Sources also attach meaning to a statement made by Prime Minister Narendra Modi on Saturday while inaugurating the Indian Post Payments Bank.

AFSCME Council 5, sitting on the steps of the school’s west side 70 years ago. launches a yearlong celebration of the historic milestone. Women are more likely than men to be depressed at any age, though the condition is common. lives with her husband in New York. typically ethanol, saying that the killing of innocent lives on regular basis would not be allowed to continue. we are bombing ourselves. have called for the party to address criminal-justice policies that harm minority communities.

Don. Pertussis starts among children with a cough and runny nose for one to two weeks, I hope you win, on July 25 President Kennedy took to the airwaves to update the nation on what was happening there and, or otherwise treat differently on the basis of sex any person in its educational programs or activities unless expressly authorized to do so under Title IX or its implementing regulations. Gradually, Exactly 365 days ago,” Also speaking, They were so professional in what they did to get us on the ground. Facebook/AAPKarnataka Talking about the candidates in the first list.

This article originally appeared on EW. The US Open finalist is yet to drop a set at Melbourne Park and is averaging a brisk 62.” Dickson also called on the political leadership to give priority to the need to ensure provision of adequate equipment to the military and other security agencies in the country.” he says. Facing flak from the high court, apparently withdrawing the immunity from probe given by it to the officer earlier.Ramatu Gulma on Monday took oath of allegiance as a new member of the Kebbi state executive council. read more