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first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Fannie Mae and Freddie Mac Post Q2 Earnings The Best Markets For Residential Property Investors 2 days ago Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The U.S. government is set to see another $5.6 billion from Fannie Mae and Freddie Mac as both GSEs continue to post solid earnings.Both companies released on Thursday their earnings reports for the second quarter, reporting subdued profits compared to recent quarters as settlement earnings and other previous one-time benefits subside. In 2011, the Federal Housing Finance Agency, acting as conservator for Fannie and Freddie, brought lawsuits against 18 banks for their alleged roles in bringing down the GSEs’ portfolios with bad loans. The majority of those cases are now settled, leaving little for the companies to collect going forward.Those cuts in one-time earnings were offset in part by rising home prices and improvements in credit quality.For its part, Fannie Mae took in $3.7 billion in profits through the quarter, all of which will be handed to the Treasury per the terms of the GSEs’ bailout in 2008. Freddie Mac, which reported $1.4 billion in net income, will return $1.9 billion to the government.By September, the two mortgage giants will have paid a combined $218.7 billion back to the Treasury, more than $30 billion more than the amount they’ve drawn since their bailout. Under their amended agreement, dividend payments will continue to go on as the government maintains its controlling stake in the companies.How long that situation will continue is still undecided as policymakers—from Congress to the White House—push to reform the secondary market and bring in more private capital. While recent housing finance reform bills have made some headway in committee, debates over how to proceed have stalled any further progress, and no major moves are expected this year.Meanwhile, shareholders for the GSEs, spurred by their recent profitability, continue to pressure the companies and the government for their cut. The Week Ahead: Nearing the Forbearance Exit 2 days ago Fannie Mae Freddie Mac 2014-08-07 Tory Barringer Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Tory Barringer began his journalism career in early 2011, working as a writer for the University of Texas at Arlington’s student newspaper before joining the DS News team in 2012. In addition to contributing to DSNews.com, he is also the online editor for DS News’ sister publication, MReport, which focuses on mortgage banking news. Related Articles Sign up for DS News Daily center_img Fannie Mae and Freddie Mac Post Q2 Earnings Tagged with: Fannie Mae Freddie Mac The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: DS News Webcast: Thursday 8/7/2014 Next: Three Charged in Massive Mortgage Modification Scam August 7, 2014 1,128 Views Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured, Headlines, Market Studies, News About Author: Tory Barringer Subscribe Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Postlast_img read more


first_img Comments are closed. Related posts:No related photos. Education critical to latex allergy controlOn 1 Oct 2000 in Personnel Today Educating healthcare workers to report symptoms related to wearing latexgloves is as important as conventional health checks in reducing the risk oflatex allergy, according to researchers. The study, published in the journal of Occupational and EnvironmentalMedicine, was undertaken among workers at Southampton University Hospitals NHSTrust, by means of a self-administered questionnaire, skin-prick testing andmeasurement of scientific IgE to latex. The authors conclude that the study does not justify the exclusion ofpotential employees via pre-employment assessment on grounds of a risk of latexallergy or intensive health surveillance of staff who use latex gloves. Insteadthey suggest a more focused and educative approach. “The aim should be to detect the few workers with more severe ordeteriorating symptoms at an early stage so that they can be investigated morethoroughly. Prevalence and risk factors for latex allergy: a cross sectional study in aUK hospital, Occupational and Environmental Medicine 56, pp833-836 Previous Article Next Articlelast_img read more


first_imgBrendan Rodgers is ‘best man’ for Arsenal job as Celtic exit looms over Leicester, says Chris Sutton Emery was sacked (Picture: NurPhoto via Getty)He is not the only man to be linked with the post, with former Juventus manager Massimiliano Allegri, Napoli boss Carlo Ancelotti, Manchester City assistant Mikel Arteta, Gunners legend Patrick Vieira and even ex-Tottenham Hotspur boss Mauricio Pochettino all thought to be in contention, but Sutton thinks Rodgers remains the strongest candidate.AdvertisementAdvertisementADVERTISEMENTPochettino, like Rodgers, has also been tipped as a potential replacement for Ole Gunnar Solskjaer should Manchester United wield the axe, and while Sutton thinks he would favour a move to Old Trafford, he thinks Rodgers would be a better appointment anyway.‘Well he’d go for the United one. If hypothetically the jobs are available at the same time then that would be an easy one for him, I think,’ Sutton exclusively told Metro.co.uk ahead of Arsenal’s meeting with Brighton.More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man City‘Yes [due to the Spurs alleigance], that’s quite an easy one to answer. Look, the Arsenal job, everybody says great history, this, that and the other, fantastic past but they’re in a mess.‘I actually felt a bit sorry for Emery because I felt he took them sideways. They’d had a decade really of treading water and I don’t think they’re really any worse off.‘The fans turned – I think he won eight of his first 13 games this season, last season fifth and the Europa League final, I understand the stuff about the identity but it wasn’t just Emery. Rodgers is admired by Arsenal (Picture: Getty)‘There are people above him, it didn’t seem it was his choice solely on transfers, there were other people having a say on the transfers, as far as I am aware so on that basis I think we’ve said the same thing about the Arsenal backline for six, seven, eight, nine years now, they didn’t improve the backline, they bought Pepe in and spent £72million on another forward player.‘That’s not where Arsenal really have many issues. It’s a headscratcher where they go from here really. They’ve gone from experience – a manager with a good track record, did really good things with Sevilla, winning the Europa League and now, you know, you’re back down to a period with a bit of a blip. I understood why he had to go because you can’t have a whole stadium of fans booing you and that was the biggest issue really.‘Who they go for: Pochettino is in the frame, Rodgers is probably the best man for the job. Allegri doesn’t speak fluent English as far as I’m aware so there are question marks over the communications so I don’t know, it’s not an easy job. What’s the new manager going to come in and say? “I want money to spend in January” – that’s the reality of the situation at Arsenal.’AdvertisementAdvertisementMore: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing ArsenalSutton was critical of Rodgers leaving Celtic earlier this year. With the Hoops chasing a third consecutive treble, he decided to leave the Scottish Premiership side and return to the Premier League.Sutton claimed he had ‘downsized’ and that ‘Celtic reserves are bigger than Leicester’, but while he still thinks the timing was off, he can’t fault Rodgers as a manager.However, he suspects Leicester fans will be concerned over the future of their manager, given Arsenal’s interest and how he abruptly upped sticks with Celtic. Arteta was previously in the frame (Picture: AMA/Getty)‘I don’t know his situation at Man City, whether Pep [Guardiola] would let them go or not but if he was good enough, or nearly good enough last time, why wouldn’t you give him the opportunity now?‘Vieira has had experience but the bottom line with them: who is going to make Mustafi better, Chambers better, David Luiz and give them defensive instinct?‘They’ve had the same car for the last decade and they’ve changed the drivers, haven’t they? Maybe it’s the car they need to change.’Should Brendan Rodgers be appointed Arsenal manager?Yes0%No0%Share your resultsShare your resultsTweet your resultsMORE: Ray Parlour tells Arsenal to snub Mikel Arteta and talks up Mauricio Pochettino appointmentMORE: Jack Grealish will be ‘closely scrutinised’ and may fit best at Arsenal, says Chris Sutton Sutton had his say on who should replace Emery (Picture: AMA/Getty)Chris Sutton believes Brendan Rodgers is the ‘best man’ for the vacant managerial role at Arsenal and thinks the manner in which he left Celtic will concern Leicester fans who are wanting to keep hold of him.The former Liverpool manager has turned Leicester into genuine top-four contenders this season and they will climb back into second with a draw or better against relegation-threatened Watford.Since Unai Emery was sacked by Arsenal, Rodgers has been heavily linked with a move to the Emirates and he confirmed there’s a clause in his contract that can see him leave Leicester mid-season. Advertisementcenter_img Metro Sport ReporterWednesday 4 Dec 2019 11:30 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link Advertisement Pochettino is available (Picture: Getty)‘That was the issue as a Celtic fan if it’s the best job in the world then why would you leave to go to a club who were essentially not really playing for anything. It is sad,’ he added at Bonus Code Bets ‘VAR-DICT’ event.‘Deep down if you go up there now, Celtic fans for what he actually achieved management-wise shouldn’t be feeling the way that they do about him but they do because it’s from the heart they feel let down. I understand that and this is why the situation where he’s linked to Arsenal, it’s not difficult to put this to bed and this was the same thing that happened to Celtic.Would you see Arsenal as a step up from Leicester?‘[It’s] probably not [a step up] playing wise at the moment but Arsenal is Arsenal, isn’t it?More: FootballBruno Fernandes responds to Man Utd bust-up rumours with Ole Gunnar SolskjaerNew Manchester United signing Facundo Pellistri responds to Edinson Cavani praiseOdion Ighalo reacts to Manchester United signing Edinson Cavani and Alex Telles‘Arsenal is a bigger club than Leicester. I don’t know how tough it would be to turn down, you’d have to ask him that. Arsenal has a great history, great club but his contract would be interesting in terms of what he would want because there are certain things at Arsenal which need an overhaul.AdvertisementI think they [Leicester] are an extremely well run club anyway but in all this the fact is you have to take your hat off to Brendan, I think he’s an outstanding coach and a great manager.’Arsenal may yet opt for the increasingly common approach of hiring a former player to be their full-time manager – Freddie Ljungberg will have the opportunity to throw himself into serious contention while taking temporary charge – but Sutton suggested it was the squad as a whole that needs fixing rather than the man in the dugout.‘It’s interesting the Arteta one because they seemed to want him before,’ Sutton said. ‘If they wanted him before, why not now? Commentlast_img read more


first_imgFirst introduced in the Netherlands in 2004, the CDC underwent an “extreme stress test” during the financial crisis of 2008-09, offering “valuable learning opportunities” for UK legislators and regulators, Bennett and Van Meerten wrote. However, the credit crunch also brought up issues of “intergenerational fairness”, the authors warned.Within a CDC plan, the employer contribution was fixed either as a percentage or a specific amount, which has led “to the conclusion that the younger employee’s employer contribution is supporting the older employee’s target benefits”, wrote Bennett and Van Meerten. Yet the smoothing effect, achieved by the pooling of assets as well as mortality and longevity risks, could lead to higher annual benefits for scheme members, said Bennett.“The CDC scheme is between the two extremes [of DB and defined contribution plans],” he said. “Yes the income could go down, but the volatility should also be damped down – and it should be more stable.”Under the terms of existing Dutch schemes, members bear responsibility for any underfunding risks, rather than the employer. Unlike the UK, the Netherlands has no Pension Protection Fund that could step in to provide compensation in the event of company insolvency.A lukewarm receptionIn a written submission to the UK parliament’s Work and Pensions Select Committee, which conducted a recent consultation on the CDC concept, independent consultant John Ralfe claimed that the structure seemed “to require successive generations of new members, each able to pay the previous generation, if necessary – suspiciously like a Ponzi scheme”.In its submission, Willis Towers Watson offered qualified support for CDC but added: “We would not advocate one which compelled employers to replace defined contribution [DC], DB or risk-sharing designs with CDC, nor one which led to accrued DB benefits being converted to CDC target benefits without members’ consent.”However, the mooted scheme has received support.“If there were a CDC, then the employees would have more income security after retirement and employers would not have to take on open-ended risk,” said Alwin Oerlemans, chief strategy officer at APG.Yet concerns remain about further complicating an already-complex UK pensions system.“Existing legislation gives you enough tools and flexibility, so why people are looking to add another system is something that has me scratching my head,” said Ralph Frank, head of Cardano’s DC business.“In DC, it is the member that bears the risk of shortfall. In DB, it is the employer – and with CDC it supposedly sits somewhere in between.“For me, it’s like being pregnant: either you are or you aren’t. It needs to be clear who bears what part of the ultimate risk.” UK defined benefit (DB) scheme members could see higher and more stable pensions if the country learned from the Dutch approach to collective defined contribution (CDC) plans, according to the Pensions Institute.In a discussion paper comparing the legislative and regulatory framework for the Netherlands’ DB and CDC schemes with the UK’s DB plans, the paper’s authors Philip Bennett and Hans van Meerten suggested the Dutch experience could “usefully inform the thinking on the legal and regulatory framework for a UK CDC scheme”.The UK government announced in March this year that it was looking at how to implement CDC, following moves by the Royal Mail in partnership with the Communication Workers Union to launch such a plan.However, the government department responsible for pensions indicated this week that it was not seeking to legislate for CDC.last_img read more


first_imgView Gallery (3 Photos)When J.J. Watt left Madison for the lockout-sullied National Football League, he took with him more than just 62 tackles, 21 tackles for loss and seven sacks.Rather, as anyone with a Twitter account or access to Madison-area newspapers will tell you, Watt also took his remarkable leadership abilities. Everything from the tried-but-true “Dream Big, Work Hard” mantra – wristbands reportedly coming soon – to his tendency toward steady, consistent production that undoubtedly kept the Badgers afloat during the trying portions of their schedule.So now, with voids to fill both on and off the field, UW needs to figure out how it will return to within three points of a Rose Bowl victory – or better. Augmenting the significance of those voids is the fact that Watt wasn’t alone in departing the defense. Seniors Blake Sorensen, Culmer St. Jean, Jay Valai and Niles Brinkley are also gone, leaving even more holes to fill in the defense. Sorensen led UW with 66 tackles, while St. Jean, at middle linebacker, was essentially the quarterback of the defense. Valai was known for his big hits and smack talk, but he also kept the team an interesting combination of energized and loose, while Brinkley was a consistent defensive back throughout the season.Coupled with the expectations of a preseason ranking likely ranging from top-five to top-15, the pressure to fill these defensive gaps figures to be monumental. However, despite two consecutive disappointing years following his impressive 12-win debut in 2006, head coach Bret Bielema has proven capable of achieving sustained success in Madison. The Badgers won just nine games in 2007 and seven in 2008, but improved to 10 wins in 2009 and 11 in 2010.So, as Bielema himself likes to say, who will be the “next man in” for Wisconsin’s defense in 2011?Aaron Henry, free safetyDon’t let Aaron Henry’s “Yes, sir; No, sir,” act fool you – the Badgers’ returning free safety and former cornerback may be one of UW’s more polite players, but he rarely lacks for confidence. Last year Henry paired with Valai to form a stout safety duo. The two of them were hard hitters (Henry even took that title from Valai more than a few times), playmakers and significant leaders on Wisconsin’s 20th-ranked defense.Henry finished last season tied for fourth in tackles with 58, tied for second in interceptions with two (one of which was returned 50 yards for a touchdown in Wisconsin’s final regular season game against Northwestern) and pass deflections with nine and first in fumble recoveries with three. In UW’s season opener at UNLV, Henry returned a fumble for a touchdown. At Michigan Nov. 20, Henry recorded a career-high 10 tackles, and one week earlier against Indiana he returned another interception for a touchdown, giving him three defensive touchdowns on the season.With Valai and Brinkley no longer around, Henry will be entrusted with continuing the marked improvement of the Badgers’ secondary. The unit entered last season under extreme pressure as one of the most maligned units in recent years, but under first-year defensive backs coach Chris Ash – now co-defensive coordinator – the secondary thrived. Henry will likely pair with redshirt junior Shelton Johnson at the safety position, and aside from returning starter senior defensive back Antonio Fenelus and senior Devin Smith (mainly a reserve last year), there isn’t much experience in UW’s secondary.Chris Borland, linebackerChris Borland’s UW career started as well as anyone could have expected. At outside linebacker he amassed 54 tackles, five forced fumbles and three recovered while finishing the season as Big Ten Freshman of the Year.Last season Borland played in just two games after suffering a shoulder injury in the opener against UNLV. He missed the following game against San Jose State, and then after recording two tackles in the first quarter of the next game against Arizona State he reaggravated the injury and missed the remainder of the season.This spring, Borland said he expects to be 100 percent healthy by the start of the Badgers’ summer workout program in June. Regardless of if that’s the case, Borland will be preparing for the fall at a new position – middle linebacker. Despite losing St. Jean, Wisconsin still boasts impressive talent at linebacker with redshirt junior Mike Taylor and senior Kevin Claxton.At 5-foot-11, 242 pounds, Borland figures to be a solid fit at the inside position. In his 15 career games, Borland has shown an impressive nose for the ball and a knack for making big plays, as well as an ability to maintain ground to stop the run. All that remains is picking up the mental part of the game St. Jean played so well. But after two years in the system and an already strong football IQ, nobody expects Borland to struggle with the change.Mike Taylor, linebackerAs impressive as Borland has been around the football in his still-young UW career, Taylor might have an even better nose for the ball. He redshirted his freshman year due to a neck injury, and after starting the first seven games of the next season he suffered a season-ending knee injury. In those seven games, he averaged 6.6 tackles per game.Last season, Taylor missed only the opening game while still rehabbing. He started the remaining 12, though, finishing with 58 tackles (tied with Henry for fourth), eight tackles for loss (second after Watt’s ridiculous 21), one sack and two interceptions.Taylor has regularly been more reserved than Borland, who isn’t exactly a vocal leader either. But with Henry likely to fill that role, Taylor and Borland can afford to focus on staying healthy and anchoring what could be the Big Ten’s top linebacking core.All that’s left is a Twitter hashtag worthy of Watt’s #DBWH.Mike is a junior majoring in journalism and communication arts. Who do you think will step up to lead Wisconsin’s defense this season? Who needs to? Let him know at [email protected] and follow him on Twitter @mikefiammetta.last_img read more