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first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago April 29, 2015 1,378 Views Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / FHA Publishes Responses to Comments on Rule Delaying Foreclosure on Non-Borrowing Spouses Demand Propels Home Prices Upward 2 days ago Federal Housing Administration FHA Foreclosure HECMs Home Equity Conversion Mortgages HUD 2015-04-29 Brian Honea About Author: Brian Honea Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Tagged with: Federal Housing Administration FHA Foreclosure HECMs Home Equity Conversion Mortgages HUD  Print This Post The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Previous: Economists Retain Positive Outlook Despite ‘Paltry’ GDP Growth in First Q1 Estimate Next: DS News Webcast: Thursday 4/30/2015 Related Articles in Daily Dose, Featured, Foreclosure, News Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago The Federal Housing Administration (FHA) responded in the Federal Register on Wednesday to comments on the alternative path to claim payment (the Mortgagee Optional Election Assignment) for certain Home Equity Conversion Mortgages (HECMs), which centers on the delaying of foreclosure on a surviving non-borrowing spouse following a borrowing spouse’s death.The FHA published a notice soliciting comments on the matter on February 6, and the comment period ended on March 9. In the four and a half week comment period, FHA received seven comments on the issue. Click here to see all seven comments and the complete responses from FHA. The comments centered mainly around asking FHA to clarify the eligibility requirements for surviving non-borrowing spouses (or any heir named on the title) to receive HECM relief.FHA and HUD amended their HECM program in January prevent reverse mortgage lenders from calling the note from a surviving non-borrowing spouse – but the amendment applied only to case numbers assigned on or after August 4, 2014, and for certain eligible case numbers assigned before that date. The requirements to qualify for HECM relief shut many out, however – the servicer has to agree to assign the loan to HUD rather than pursue foreclosure, and the surviving spouse must be either older or the same age as the deceased borrower at the time the loan was originated – or the surviving spouse must pay off the entire loan amount or 95 percent of the home’s value.In March, a group of concerned consumer advocates submitted comments totaling 65 pages to HUD expressing concerns over non-borrowing spouses facing foreclosure and eviction following the death of a borrowing spouse. In February, a CFPB report on consumer complaints regarding reverse mortgages found that the most common complaint was on surviving non-borrowing spouses suddenly facing foreclosure when a borrowing spouse dies – finding that “some consumers report that their loan originator falsely assured them that they would be able to add the other spouse at a later date.” FHA Publishes Responses to Comments on Rule Delaying Foreclosure on Non-Borrowing Spouses Share Save Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribelast_img read more


first_imgMeanwhile, government officialsat all levels are working to halt transmission of the virus. “It’s funny, it was a similarsituation with the SARS virus,” noted Ted Friedli, owner of Excel Travel in LongBranch. One client who contacted himwith concerns about the virus has plans to travel to China in 2022. Like other health care professionals in the state, Bayshore is relying on updates from the Centers for Disease Control and Prevention (CDC) and the New Jersey Department of Public Health to advise its customers. So, what can people do to avoidcontracting NcoV? “There could be so many morediseases between now and then,” he said. Friedli advised him to remaincalm and wait things out. Travel to China and the FarEast has grown increasingly popular in recent years, Friedli said. The best defense is prevention,health experts say: Wash your hands after coughing or sneezing, use a tissueor, in a pinch, your sleeve to cough or sneeze into rather than your hands. Tryto avoid touching your face. The majority of the calls fall into the category of, “Am I at risk?” he said. That includes people who have recently traveled to or from China, people planning to travel there individually or as members of international exchange programs, and people who have returned from China with children who will be re-entering school in New Jersey. Those cases have been confirmedin Washington, California, Arizona and Illinois, the CDC reported. With the height of the flu season upon us, business at Bayshore Pharmacy in Atlantic Highlands has been brisk. Meanwhile, New JerseyCongressman Frank Pallone (D-6), who chairs the House of Representatives Energyand Commerce Committee, which oversees public health and quarantine, isadvising Americans to rely on the CDC and other reliable sources for updatesrather than social media. “The information that I have right now is that weshouldn’t panic,” he said during an appearance on MSNBC last Tuesday. “There’sa lot of misinformation out there.” “At this time, there are more than 6,000 confirmed cases. The majority of the cases are in China, which has experienced at least 132 deaths. There are 92 confirmed cases outside of China, with five cases in the United States.” While those numbers appear alarming, it helps to keep in mind that more than 11 million people reside in the epicenter of the virus outbreak in the city of Wuhan. British Airways and a fewsmaller airlines have suspended all flights to China and United Airlines hasreduced its service there. The sneezing and coughing most peopleare doing around the Two River area these days are not caused by NcoV but insteadrelated to the perennial winter woes that come with the common cold and flu. The pharmacy did experience a bit of a run on face masks this week but, Stryker said, their effectiveness in blocking an individual from contracting the virus isn’t great because the masks aren’t capable of preventing the inhalation of the virus. They’re more valuable in preventing someone who is already sick from spreading germs through sneezing and coughing. Earlier this week, U.S. Sens.Bob Menendez and Cory Booker of New Jersey called for NcoV passenger screeningsto be instituted at Newark Liberty International Airport, the fifth busiest airportin the nation. To combat a wave of misinformation being generated as the word spreads, the New Jersey Department of Health has established a hotline in cooperation with the NJ Poison Control Center to answer residents’ questions about the new virus and allay unnecessary fears. “The biggest concern right nowis that we don’t really know what this coronavirus is…we need to know moreabout the virus itself, how it’s transmitted, what is its impact and there’snot a lot of information out there right now.” Those with upcomingreservations who are facing a change of plan and a possible loss of theirvacation dollars, Friedli said, have the option to cancel, postpone or changetheir plans and some travel providers will be generous in helping them make thebest choice with the least amount of financial pain. But, Friedli said, “Thebiggest lesson is to do something in advance: Take out some travel insurance.There are policies you can buy that allow you to cancel for any reasonwhatsoever.” “We’ve been getting quite a fewquestions,” Stryker said. “The news has it pretty whipped up.” “Media and the government blowthese things out of proportion,” Friedli says. “There’s so many other thingsthat we could worry about, like getting hit by a car on the Garden StateParkway.” According to Jerry M. Zuckerman, M.D., vice president of infection prevention and control at Hackensack Meridian Health, coronaviruses are a large family of viruses which are thought to cause up to 30 percent of common cold cases. Hackensack Meridian encompasses nine medical centers around the state, including Riverview in Red Bank and Bayshore in Holmdel. But along with the chills,fever, coughs and runny noses that accompany the flu, some customers are sufferingfrom worries about contracting the novel coronavirus (NcoV), said pharmacistRichard Stryker. Symptoms of NcoV are similar to the flu but can swiftlyprogress to more serious complications like pneumonia. Newark has since been added tothe list of airports conducting enhanced screenings. While the risk of contractingthe NcoV virus here in the U.S. is low, the threat remains serious, Zuckermanstressed. “Although the risk to thepublic remains low, we understand that residents have questions about this newvirus,” New Jersey Department of Health commissioner Judith Persichilli notedin a press release. “This hotline provides factual information to alleviatefear and dispel rumors.” The hotline is part of a wide-reaching effort by the medical and scientific communities to reassure the public while taking steps to identify and treat any patients who contract NcoV. In an effort to halt thetransmission of the virus, Chinese officials have instituted a quarantine inWuhan, the epicenter of the virus. For Americans set to travel toChina soon for business or vacation, the threat of NcoV very likely means achange in plans. By Eileen Moon | Published Jan. 30, 2020 “Certain strains like SARS (Severe Acute Respiratory Syndrome), whichappeared in 2002, and MERS (Middle East Respiratory Syndrome), which appearedin 2012 and now the 2019 novel coronavirus can cause more serious illness,”Zuckerman said. No cases of NcoV have been identified in any of Hackensack Meridian’sfacilities, Zuckerman said. Bruce Ruck, managing director of the NJ Poison Control Center at Rutgers New Jersey Medical School, said that his office has received more than 100 calls about the corona virus in the last 24 hours. Nevertheless, concern aboutcontracting the new virus is rising. The five cases of NcoVidentified in the United States as of Jan. 29 have occurred in patients who hadrecently been in China. Fortunately, the risk ofcontracting the new virus first identified in Wuhan, China in December is low. In Monmouth County, FreeholderDeputy Director Sue Kiley, liaison to the county health and human servicesdepartment, said the county is maintaining close contact with area hospitalsand is prepared to respond should the virus appear. Right now, Kiley said, it’snot an issue. “Obviously, we’re watching it very closely.” Nevertheless, the appearance ofNcoV in our increasingly global community has been ramping up fears on socialmedia. “Basically, all those things your mother told you,” said Stryker, the pharmacist.last_img read more


first_imgThe Nelson Leafs are making believers out of the few fans that picked them to win against Beaver Valley in the Kootenay International Junior Hockey League playoff pool.J.J. Beitel’s goal 6:20 into overtime sparked the Leafs 2-1 Murdoch Division Semi Final victory before 550-plus fans Monday night at the NDCC Arena.The Leafs, losers of seven straight to conclude the regular season, now lead the best-of-seven KIJHL playoff series 2-1 with game four set for Tuesday right back in Nelson.“Linden (Horswill) came down curled back, made a nice pass I just shot it on net hoping maybe (Connor Gross) Grosser could deflect it,” Beitel said after being mobbed following the OT winner by his Leaf teammates at center ice.“I definitely wasn’t expecting anything to come of it or the puck to go in.”Beitel’s shot from the point somehow squeaked through the pads of Hawks netminder Jarrod Schamerhorn, who up until that point in the game had been almost unbeatable between the pipes.“(Schamerhorn) is a big guy,” Beitel added. “He’s good down low and kicks out those rebounds out front so we’ve got to just keep shooting and maybe something will go in.”After a scoreless first period Beaver Valley took a 1-0 when Dallas Calvin drilled a cross-ice saucer pass past Nelson goalie Brett Soles.The goal by the Hawks leading scorer appeared to be all the visitors would need with Schamerhorn in net.But a smart play by Leaf defenceman Kyler Wilkinson found Colton Schell beside the Beaver Valley net and the Leaf captain buried a high shot past Schamerhorn to tie the game midway through the third period.“It’s disappointing to lose because we had just some terrific effort from players tonight,” Hawks head coach Terry Jones lamented.“Unfortunately you can’t take shifts off and that’s what happened (in the overtime).”Nelson out shot the Hawks in the game 35-22, including an 11-4 margin in the third to make a winner out of Soles.Special teams took the night off for both teams as Nelson went 0-for-4 on the power play while Beaver Valley was scoreless in three attempts.“I expected this to be a long series,” Jones said when asked after beating the Leafs the last four games of the regular season would the Hawks in in a walk. “Especially if we gave them a little bit of light, which we did in that first game (won 6-1 by Nelson).“I thought we played pretty well tonight but (Nelson) made a great play to tie it up and another great play to score the winner so I give them full marks for the win tonight.”Start of game delayedThe start of Monday’s game in Nelson was delayed 25 minutes after one of the Hawks players shattered the glass with a puck during warm up.NDCC rink attendants worked quickly to insert the new glass at the north end of the arena.Leafs lose Nickel to injuryNelson forward Greg Nickel was helped from the ice after colliding heavily with the boards while chasing down the puck in the Beaver Valley end.The Williams Lake native was seen leaving the rink using crutches.A few of the Hawks, including forward Dan Hollands, also let the ice after blocking shots. But all the Beaver Valley players returned to finish the game.Braves rally to knock off Rebels in overtimeAfter out scoring the Spokane Braves 18-1 in the first two games of the Murdoch Semi Final, the Castlegar Rebels offence took the night off.The result allowed the Braves to steal a 2-1 overtime victory Monday in Spokane to pull to within one game in the best-of-seven series.Dylan Tappe scored on the power play with 38 seconds remaining in the first overtime period to give the Braves life in the series.Castlegar entered the game unbeated in 10 games dating back to the regular season.Game four goes Tuesday in Spokane.Coleman Macdonald for Spokane and Jamie Vlanich for Castlegar scored in the second period.Matt Zenzola stopped 50 of 51 shots to register the win in goal.last_img read more


first_imgSamuel Weber added an insurance marker for the Leafs, which evened the season series between the two teams at one game each.Colum Mcgauley and Chad Grambo scored seconds apart in the opening period as the teams sparred through the first period tied 1-1.Brendan Mckay, shorthanded, gave Nelson a brief 22-second lead as Trey Mason tied the game.David Lenzin put the home side ahead after 40 minutes before Dylan Haney tied the game for the third time during the final frame, scoring on the power play.Josh Bolding was solid between the pipes for Nelson, facing 22 shots while Anthony Galliart took the loss in goal for Grand Forks.Nelson returns to home ice Saturday against Spokane Braves while the Bruins hosts Kimberley Dynamiters in the Grand Forks Arena.BLUELIINES: Leafs added another player to the roster as 6’2″ 185-pound forward Mason Mullaney played for the first time against the Bruins. Mullaney, 18,  came to Nelson from the Saskatchewan Hockey League. . . . While most teams support Breast Cancer month by wearing pink skate laces or hockey tape, Grand Forks took it to another level by sporting pink jerseys and socks for Friday’s game. For almost 59 minutes Nelson Leafs and Grand Forks Border Bruins exchanged body blows in a Murdoch Division Showdown.With 1:03 remaining in the game, Andy Fitzpatrick nailed the Bruins with a knockout punch, scoring the winning goal in a 5-3 Kootenay International Junior Hockey League victory for the Green and White Friday at the NDCC Arena.The win pulls Nelson into a second-place tie in the Murdoch Division with the Bruins.Beaver Valley continues to hold a one-point lead over both Grand Forks and Nelson.last_img read more


first_img–30– ARCADIA, Calif. (March 20, 2015)–Comebacking Oliver’s Tale went to the front early and registered an emphatic 3 ½ length win under Tyler Baze in Friday’s $60,000 Miss Lady Bug allowance feature at Santa Anita, covering 6 ½ furlongs down the track’s hillside turf course in 1:12.25. Trained, owned and bred by Mark Tsagalakis, the 6-year-old Kentucky-bred horse by E Dubai had been idle since June 12.“My instructions were to get him out of the gate and after that, he just did it himself, really classy,” said Baze. “He was going fast but he was doing it easy. If they’re fast horses and they’re doing it nice and well within themselves, it doesn’t take as much energy out of them…When I asked him, he really fired home.”Off at 5-1 in a field of 10 older horses, Oliver’s Tale paid $13.00, $7.60 and $6.20. Undefeated in two starts down the hill, Oliver’s Tale got his third win from eight starts and with the winner’s cut of $36,000, increased his earnings to $133,450.“He runs well fresh,” said Tsagalakis, who is headquartered with a small stable at Los Alamitos. “We brought him over here a week before the race and he likes the track here. I felt he’d run well today.”When asked if the Grade III San Simeon Stakes, to be run down the hillside turf on April 19 would be considered, Tgagalakis said “Yes, we can think about it.”Longshot Indexical, who sat close to the winner’s fractions of 21.54, 43.28 and 1:06.23, proved second best under Mario Gutierrez, finishing second, a half length in front of Horse Laugh. Off at 12-1, Indexical paid $10.60 and $7.20.Ridden by Drayden Van Dyke and the next-to-longest shot in the field at 41-1, Horse Laugh rallied from last for the show and paid $10.40.Note: Owner/breeder and trainer Mark Tsagalakis was joined in the Winner’s Circle by his 82-year-old father, “Sad Sam” Tsagalakis, who gained national fame in the early 1950s as an outstanding place kicker for the USC Trojans football team.“I’ve been coming here since I worked as an usher when I was going to USC, back in 1952, ’53 and ’54,” said Sam Tsagalakis. “It’s so nice to be out here for Mark. It’s not the Kentucky Derby. It’s not the Preakness, but it is Santa Anita.”First post time for a nine-race card Saturday, highlighted by the Grade II, $200,000 San Luis Rey Stakes, is at 12:30 pm. Admission gates open at 10:30 a.m.last_img read more


first_imgWith a 12-race card awaiting punters on Sunday, the popular 20 cent minimum Golden Pick Six will begin with race seven, which is scheduled to be run at approximately 4:02 p.m. PDT. There were 44 winning tickets worth $4,035.84 on Saturday. With 12 races carded, there is a special first post time on Sunday at Golden Gate of 12:45 p.m. For scratches, late changes and complete morning line information, please visit goldengatefields.com. POPULAR 20 CENT MINIMUM WAGER WILL BEGIN WITH SUNDAY’S 7TH RACE AS HALF OF SUNDAY’S GOLDEN PICK SIX WILL BE CONTESTED ON TURF ALBANY, CALIF. – A massive total Golden Pick 6 Jackpot pool of more than $4 million is expected to be up for grabs tomorrow, closing day at Golden Gate Fields. With more than $1.4 million dollars “rolled over” to Sunday, track officials expect there will easily be more than $2.6 million dollars in “new money” wagered tomorrow, as there will be a mandatory payout with all monies distributed.last_img read more


first_img Essential Reading! Get my 2nd book: The Lost Art of Closing “In The Lost Art of Closing, Anthony proves that the final commitment can actually be one of the easiest parts of the sales process—if you’ve set it up properly with other commitments that have to happen long before the close. The key is to lead customers through a series of necessary steps designed to prevent a purchase stall.” Buy Now Social media has a place in selling. It can be the right medium for some outcomes.Social media is better for building your brand than cold calling (unless you are truly a value creator with real phone chops).Social tools are better for nurturing your dream clients than cold calling.Social is better for researching a prospective client than cold calling.Social media is better for planning a sales call than any set of tools previously available, with the exception of human intelligence.But social media isn’t better than some other methods and tools for different outcomes.Cold calling is better for scheduling first appointments with clients than social.Cold calling is better and faster for scheduling first appointments than email. Especially a spammy LinkedIn chat.Cold calling is better for initiating a discovery conversation with a prospective client than social media or email.Cold calling is faster for generating appointments that create opportunities than social media.The phone isn’t better than some other mediums.Demonstrating that you have “chops,” the business acumen and situational knowledge that creates value for prospective clients, is more valuable and effective when attempting to create an opportunity during a face-to-face meeting than it is over social media.Collaborating with your prospective clients and building consensus within the organization is faster and more effective in face-to-face meetings than over the phone, social media or email.Gaining the commitments that create opportunities and move them successfully from target to close is easier, faster, and more effective when you are sitting face-to-face with your dream client then over the telephone, over social media, or over email.Certain tools in certain approaches lend themselves to certain outcomes. Some tools are more effective in some situations than others. You wouldn’t, for example, hammer a nail into a wall using a Phillips head screwdriver.Choosing MediumsCertain mediums create an advantage over other mediums.Social media can get you the attention necessary to build your brand if you have something worth people paying attention to in the first place. The social tools can also help you establish your expertise by allowing you to publish value creating content (which is far more powerful than simply sharing other people’s content).The telephone is a faster and more effective tool for gaining appointments because it allows you to have a real conversation with your prospective client.If speed is of the essence, then you want the telephone.last_img read more


first_imgIndia’s medal hopes in the Azlan Shah Cup hockey tournament went up in smoke as New Zealand rode on a penalty corner hat-trick by Andrew Hayward to humiliate the title holders 7-3 in their last round-robin league match here on Thursday.India squandered the lead thrice before Hayward produced a hat-trick of drag-flicked goals to put the Black Sticks in command and spoil India’s chance of claiming a medal in the event, which they won outright in 2009 and were joint champions along with South Korea last year.By virtue of this loss, India slipped to the fifth position in the seven-team round-robin league table, which is being headed by world champions Australia, who defeated Great Britain 2-1 earlier in the day.Five-time Azlan Shah Cup winners, Australia now have 13 points from five games and are assured of a place in Sunday’s summit clash with one league match still to go against New Zealand.However, Australia’s opponent in the final will only be decided on Saturday as Great Britain, Pakistan and New Zealand all have a chance of making it to the title clash.But with nine points each in their kitty, Great Britian and Pakistan are slightly better placed than the Black Sticks.For New Zealand to qualify for the final, they will first have to beat Australia on Saturday and hope other two contenders – Great Britain and Pakistan – lose their last league matches.India’s opponent for Sunday’s classification playoffs will also be decided on Saturday.Hayward’s hat-trick of penalty corner goals came in the space of 14 minutes midway through the second session when the Indian defence again caved in under pressure.advertisementTo add to it, two speedy field goals by Blair Hilton and one strike each from Nicholas Wilson and Shay Neal gave New Zealand their biggest win ever against India.For India, Gurwinder Singh Chandi scored two field goals after S V Sunil had opened the scoring.India drew first blood in the 20th minute through an outstanding goal by Sunil, who latched on to a long diagonal ball from Ravipal Singh on top of the circle and slotted home past the onrushing goalkeeper.New Zealand equalised four minutes later when Wilson capitalised on Arun Panchia’s pass into the scoring zone.India were in front again in the 26th minute when Chandi tapped in Roshan Minz’s cross from the right corner.But New Zealand equalised six minutes later after Steven Edwards found out an unmarked Hilton inside the circle and he had all the time to turn around and shoot past onrushing Indian custodian Bharat Chetri.India went ahead for the third time in the match when Chandi another six minutes into the second half.Chandi dribbled into the scoring zone from the right flank and flicked past the goalkeeper when the defenders were expecting him to pass the ball to other strikers inside the circle.But drag-flicker Hayward then produced a three-goal burst that startled the Indian defence, converting penalty corners in the 44th, 53rd and 57th minutes to give the Black Sticks a 5-3 lead.A terrible defensive lapse by Dhananjay Mahadik in the 58th minute saw him lose a back-pass inside the scoring zone to Neal, who duly slotted the ball into the boards.Hilton then rounded off the scoring for New Zealand with a flash strike in the 63rd minute.In an earlier match, world champions Australia defeated Great Britain 2-1 in their penultimate round-robin league match to enter the final.Australia, who in 2010 became the first team to win the World Cup, Champions Trophy and Commonwealth Games in the same year, opened the scoring through a penalty corner conversion by Brent Dancer in the eighth minute.Christopher Ciriello then scored in the 29th minute to see Australia go into the breather with a 2-0 lead.Great Britain, however, reduced the margin in the 57th minute when drag-flicker Richard Mantell converted a penalty corner.- With PTI inputslast_img read more