Credit Where It’s Due

first_img Alison Rich has a long-time tenure in the writing and editing realm, touting an impressive body of work that has been featured in local and national consumer and trade publications spanning industries and audiences. She has worked for DS News and MReport magazines—both in print and online—since they launched. Tagged with: Consumer Credit Credit Where It’s Due Servicers Navigate the Post-Pandemic World 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Consumer Credit 2017-08-15 Alison Rich Servicers Navigate the Post-Pandemic World 2 days ago Previous: Out of Their Reach Next: Condominium Law in Flux Subscribe Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post About Author: Alison Rich Related Articlescenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago August 15, 2017 1,273 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Home / Daily Dose / Credit Where It’s Due If it were a game of limbo, July would be the winner. That month, the composite default rate reached the biggest low it’s experienced in 12 months—down 18 basis points to 3.31 percent—according to the S&P/Experian Consumer Credit Default Indices.The indices show that the composite rate leapt one basis point from the prior month to 0.83 percent. Auto loan defaults, on the other hand, increased by four basis points to 0.86 percent. The first-mortgage default rate gained two basis points from June to 0.62 percent.Default rates tanked in three of the five major cities in July. New York saw the largest decrease, down six basis points from June to 0.82 percent. Los Angeles came in at 0.63 percent for July, losing three basis points from June. Chicago rounded out the trio at 0.9 percent, down one basis point from June. Dallas, however, increased 10 basis points from the previous month to 0.77 percent. Miami totaled 1.23 percent for July, up six basis points from June.Although the national bank card default rate did indeed experience its biggest low in 12 months, the rate remains high. After setting a recent low at 2.49 percent in December 2015, it has zigzagged upward before July’s decline. It’s 3.31 percent now. The composite, auto, and first-mortgage default numbers all sit close to their July 2016 levels.“Default rates for autos and first-mortgage loans are at their lowest points in the last 10 years, while bank card defaults remain modest,” said David M. Blitzer, Managing Director and Chairman of the Index Committee at S&P Dow Jones Indices. “Consumers’ use of credit is growing and the level of consumer credit outstanding is at an all-time high.”In the year ending June 2017, consumer credit outstanding hit 5.7 percent, outstripping most spending categories economy-wide. Conversely, retail sales excluding autos as well as auto sales are down a pinch since April, while home sales haven’t budged much in recent months. Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured, Foreclosure, News Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily last_img read more

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New car bans planned for Oxford city centre

first_img“We want to express again our long term support forintegrated measures (bus gates, parking charges and improvements to publictransport and walking and cycling) to reduce congestion, improve air qualityand enhance the sustainability of the City of Oxford.” The University of Oxford supports the gates, but has concerns that they could harm the operation of the University if implemented in isolation.   Oxford Brookes University and the Oxford University StudentUnion have joined residents in supporting the bus gates. Charlie Hicks from Build Back Better Oxford told Cherwell: “Bus gates are key to a better Oxford. By cutting congestion massively through the city centre, we will be able to redesign the public spaces for people, air will be cleaner, more people will cycle and walk, we can have more open-air markets, trees, benches – you name it” Councillor Tom Hayes said: “Oxford’s narrow medieval streets are routinely clogged up with stop-go traffic, with vehicles cutting through, using the city centre as a permanent rat run. The Council has asked for residents’ views through an online consultation. What Oxford could look like, proposed by Build Back Better’s #BetterOxford The Oxford branch of Build Back Better, a Coronavirus Recovery Campaign, has backed the measures and called for a total of seven bus gates in a petition to the council. A City Council Residents Panel found that 80% of residentssupported restricting private vehicle movements in the city during the daytime. The bus gates will be in operation between 7.30 am and 6.30 pm. The City Council says: “Bus gates do not prevent access to areas of the city, however aim to redirect traffic through a different route and aims to reduce the use of the city centre as a through-route.” Only 10% of residents surveyed travelled into the city bycar, and a 2017 survey found that 70% of shoppers arrived by bus. The proposed bus gates come as part of wider measures to aid economic recovery after the pandemic. Oxfordshire County Council has committed to investing almost £3 million to support safe pedestrian and cycle spaces in cities, whilst the City Council is working to allow pedestrians and cyclists to maintain social distancing. “Colleagues across the university are concerned about how they will get to work as the new term starts and we believe this will be made more difficult – and that it could adversely affect the operation of the University – unless mitigating measures are taken in parallel with the introduction of the new bus gates,” said David Prout, Pro-Vice-Chancellor (Planning and Resources). Build Back Better Oxford has also created a series of photos of a car-free Oxford. “Broad St. and St Giles could be some of the most beautifulstreets in Europe, if they were not car parks!” The Councils have not set a duration for the bus gates, but Experimental Traffic Regulation Orders have a maximum time limit of 18 months and full public consultation is required before they can be made permanent. Ben Farmer, VP Charities and Community, Oxford SU said: “We…welcome the proposed temporary bus gates in Oxford City centre, as a good measure to reduce traffic in central Oxford and provide safer streets for walking and cycling.” One bus gate will be located on either Hythe Bridge Street or Worcester Street, and the other on St Cross Road or South Parks Road. A third bus gate will be kept under review and implemented at a later date. They will only be accessible to buses, taxis, blue badge holders, disabled tax class vehicles, and emergency services. Oxford is set to implement two temporary bus gates, restricting cars from entering certain parts of the city centre. Backed by both Oxford City Council and Oxfordshire County Council, the measure aims to reduce congestion and support Oxford’s recovery from the coronavirus pandemic. “Right now we need to support businesses and support people to shop in thecity centre, and supporting travel by buses, cycling, and walking is how we canachieve this. We can’t afford to have vehicles cutting through that don’t stop,don’t spend, and don’t support local jobs and businesses during the toughesttime they’ll ever know.” The temporary bus gates will be installed at the end of September at the earliest, but the timescale will reflect the consultation with stakeholders and the public, government guidance, and the spread of COVID-19 in Oxford. The city centre already has bus gates at High Street, GeorgeStreet, and Castle Street. Images provided by Build Back Better UK – Oxford.last_img read more

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Forthcoming Chris Cornell Documentary To Be Directed By Pete Berg, Produced By Brad Pitt

first_imgA forthcoming documentary on late grunge-era rock guitarist and singer Chris Cornell has been given the green light by the Cornell estate to go into production. The project, which has yet to be given an official title, will be produced by Hollywood actor Brad Pitt and acclaimed director Pete Berg (Friday Night Lights, Lone Survivor). Cornell’s widow, Vicky Cornell, will also come on to the project as a producer. The upcoming film is the first official documentary approved by Cornell’s estate since the Soundgarden singer killed himself following a solo concert in Detroit on May 18, 2017.Pitt was one of the many notable entertainers in attendance at the “I Am the Highway: A Tribute to Chris Cornell” concert event at The Forum in Los Angeles last month. Pitt helped welcome Cornell’s daughter Toni and Ziggy Marley to the stage to perform a lovely duet cover of Bob Marley & The Wailers‘ 1980 ballad, “Redemption Song”. With the confirmation of the documentary on Thursday, there’s a pretty good chance that Pitt’s appearance at the all-star event means that footage of the concert could very well end up in the final cut of the film.Related: Pearl Jam Honors Chris Cornell & Tom Petty, Welcomes Soundgarden & Mudhoney Members In SeattleThe report did not state who, if any, of Cornell’s former bandmates, friends, and industry colleagues may appear as interview subjects in the upcoming film. Considering the fact that Cornell’s family is on board in helping to produce the film, fans should also expect to be presented with never-before-seen archival footage of the famous rock singer prior to his untimely death.The upcoming film is the most recent of numerous tributes which have come into existence in the nearly two years since Cornell passed. A statue of Cornell was recently erected in his hometown of Seattle outside of one of the city’s museums. The Cornell estate also recently helped to plan and release a 62-track, 4-disc box set containing 11 previously-unreleased recordings last November.[H/T Variety]last_img read more

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Ben Klick, Sept. 25

first_imgShare Facebook Twitter Google + LinkedIn Pinterest We have some neighbors on the east side of the county and they started cutting last week. We have beans that will go but we are not ready yet. We just finished filling a silo yesterday and we have one more to do in a week or so. We are hoping to be rolling by the end of the week harvesting the beans. We have some cattle to move the next couple of days.We just finished up our last cutting of hay. Some of my dairy buddies are thinking about making one more cutting of alfalfa yet. It has been really dry. It has been over a month since we had a decent rain. The fields are rough. It is like concrete out there. There was some hay we left because it was a first year seeding and we were afraid to ruin it with its limited root system.A neighbor at Canal Fulton cut some beans over the weekend and had a variety in the low 50s and a second variety was in the high 50s and low 60s. The top pods are there but there is nothing in them. I am afraid my double-crops are not going to amount to much as dry as we’ve been.We have our wheat seed ordered and it should be coming in during the next few days. We are bumping our wheat acres back a little to plant 45 acres of barley. We are growing that to use for grain in the steer rations. Our nutritionist told us that feeding one-third of our ration of ground barley helps put a hard glazed top on the carcass and improves the grade a little. It saves us a little corn and lets us cut back on wheat and still get straw. The barley comes off a couple of weeks earlier than wheat and lets us get our double-crops in sooner. We’re going to try it and see if it works. I am hoping for some more heat units to dry this corn. We only have about 2.5 weeks worth of corn left to feed and then we are going to have to shell some.last_img read more

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Boxee Secures $6 Million Funding Round – Gets Ready to Take Over the Living Room

first_imgRelated Posts Why Tech Companies Need Simpler Terms of Servic… 8 Best WordPress Hosting Solutions on the Market frederic lardinois A Web Developer’s New Best Friend is the AI Wai…center_img Boxee just announced that the company has closed a $6 million Series B financing round led by Boston-based General Catalyst with participation by prior investors Spark Capital and Union Square Ventures. Neil Sequeira from General Catalyst will join the Boxee board. Boxee will use this money to hire more developers as it gets ready to expand beyond the desktop and work on embedded versions for connected TVs, game consoles, and set-top boxes. In addition, Boxee plans to attract more content from independent producers and big media companies to its platform by offering ad-based and subscription-based services to them.Getting Into the Living RoomThe company just raised its first round of venture capital funding last November, but when we talked to Boxee’s CEO Avner Ronen yesterday, he stressed that the company thinks this is the right time to expand. Ronen noted that Boxee will use the money to grow its development team to about 20 people, as it sees a chance to become a major player on connected TVs and set-top boxes. These devices are only now starting to gain a foothold in people’s living rooms and will give Boxee a chance to go mainstream.Currently, the software runs on Macs, Windows, Linux, and Apple TV, but while it is getting easier to connect a PC to a large TV set in the living room, this is definitely still a niche market. In order to reach a larger audience, Boxee will have to get its software onto TVs, game consoles, and set-top boxes directly. The company is already talking to a number of manufacturers, though Ronen wasn’t ready to announce any partnerships yet.Ronen also told us that the company plans to offer a platform for content producers and doesn’t want to get into the content business itself. Instead, Boxee will give media companies and independent producers options to sell subscriptions to their content or give users access to content on an a la carte basis. Major League Baseball started to offer access to its content to its Premium subscribers on Boxee last month. Tags:#news#Video Services#web Top Reasons to Go With Managed WordPress Hostinglast_img read more

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Six things we are looking forward to at the 2016 National Touch League

first_imgIt’s officially National Touch League week and we can’t wait for all of the action to commence on Wednesday! We thought we’d compile a list of what we’re looking forward to most at the event. 1.     The return to the home of Touch Football, Coffs Harbour!The last time we were here was last year’s World Cup in May, so we are excited to be back at C.ex Coffs International Stadium for this year’s event. 2.     The return of elite level competition It feels like a long time between National Touch League events, so we can’t wait to see the best of the best take to the field in Coffs Harbour this week, including the Elite Eight series. 3.     The new-look Queensland Elite Eight teamsThe Queensland Elite Eight teams recently announced that they have aligned with the Queensland NRL Clubs, the Broncos (formerly Chiefs), Cowboys (formerly Outlaws) and Titans (formerly Stingrays). We look forward to seeing them take the field this week in their new look colours on Wednesday! 4.     Touch Football on TV!Last week we announced that Power Productions will be live streaming our grand finals on Saturday and they will appear on Fox Sports 1 in early April. Read more here and stay tuned for the links for Saturday’s finals. 5.     Hopefully lots of sunshine! We all know that Touch Football events and rain go hand in hand, but we are hoping that this time we can break the tradition with four beautiful days of Coffs Harbour sunshine. Our fingers are crossed! 6.     Plenty of live Touch FootballFor the first time, every single game on field one at the 2016 National Touch League will be live streamed to the TFA YouTube channel, so if you can’t make it to Coffs Harbour for the event, you won’t miss out. You can see all the links here. What are you looking forward to most? Let us know on your social media pages. Keep up-to-date with all of the latest news, information and results from the 2016 National Touch League:Website – www.touchfootball.com.au and www.ntl.mytouchfooty.comFacebook – www.facebook.com/touchfootballaustraliaTwitter – www.twitter.com/touchfootyaus (#NTL2016)Instagram – www.instagram.com/touchfootballaustralia (#NTL2016)YouTube – www.youtube.com/touchfootballausRelated Links2016 NTLlast_img read more

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We are confident of moving with this squad to WC: Carey

first_imgNew Delhi: Emboldened by Australia’s remarkable turnaround in the ODI series against India, vice-captain Alex Carey Tuesday said they are “really confident” of entering the ICC World Cup with a squad good enough to play like defending champions. The five-match series is poised at 2-2, thanks to Australia’s back-to-back wins after staring down the barrel at one stage. “As a player in the Australian cricket side we have been working hard in the last 12-18 months. Some success has started to come our way. We are really confident moving with the squad we take to the World Cup,” Clarey said on the eve of the series-deciding game here. Also Read – Dhoni, Paes spotted playing football togetherCarey said it will only add to the strength of the side when Steve Smith and David Warner rejoin the side after serving out their bans. “Those are definitely some big names that might come back into the line. The guys that are in the side are performing well, so it’s only healthy for Australian cricket that the guys in the side are playing well and these guys that have done really well in the past have definitely put their hand up for selection when they are available.” Also Read – Andy Murray to make Grand Slam return at Australian OpenHe said he was not surprised by the way the Australian batsmen tackled India’s formidable spin duo of Yuzvendra Chahal and Kuldeep Yadav, who have tormented batters with their guile in recent times. “There has probably been a fair bit of media (analysis) about Australia playing against spin in the past. We have worked really hard on playing spin bowling in the nets over 12-18 months. I guess to see some reward, again it’s no surprise, but the guys are doing so much hard work off the field,” said Carey. The match will be played on a Feroz Shah Kotla wicket which may assist slow bowlers. Carey, though, said they are capable of handling whatever is thrown at them. “We played some local Indian bowlers that we tried in the nets, so I guess it’s really a good experience. Guys getting out there in the middle to have the confidence to take on their spinners got to be a great confidence tomorrow.” He said the strength of the Australian team at the moment is that they have plenty of options. “We take a lot of confidence that we trust the batters to perform their role. When Ashton did that the other night he did really well. They (Indians) are world class bowlers and I am sure they want to bounce back and it’s up to our batters to have a game plan to negate that. We trust the players to perform their role and take on the best bowlers in the world and do a good job.” Carey said it will be a contest to watch for since they have the momentum and India would be keen to bounce back after two defeats. “We were out under pressure early in the series. Some games were really close and now we have the series level at 2-2. It is obviously exciting going into tomorrow with the series on the line. Obviously (we will) take some momentum from the last game. The boys are felling confident. “India are going to bounce back quickly but I guess for us we thought we played some pretty good cricket in the first two games and we just fell short so to have the series at 2-2, really excited. I am really looking forward to and so are the guys.”last_img read more

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Frontcourt provides relief in Ohio State womens basketballs 9770 win

OSU forward Alexa Hart (22) looks for space around defending Virginia Cavaliers forward Sydney Umeri (44) on Dec. 21 at the Schottenstein Center. Photo Credit: Greg Bartram | USA TODAY SportsThe Ohio State women’s basketball team has relied heavily on the explosiveness of the nation’s top-scoring duo during the 2015-16 season.That wasn’t the case Thursday evening at the Schottenstein Center against the Indiana Hoosiers.Top Buckeye guards, sophomore Kelsey Mitchell and senior Ameryst Alston, were held in check early on in Columbus, prompting the OSU frontcourt to come alive. The extra effort was definitely needed for the No. 5 Buckeyes (11-3, 3-0) to fend off Indiana (9-6, 1-2) at home, 97-70.“They came out ready to play right off the jump,” OSU junior forward Shayla Cooper said. “We had to match their intensity, and once we matched it we actually took it to another level after that.”The Buckeyes have struggled immensely with their perimeter defense this season, ranking dead last amongst Big Ten teams in 3-point defense. A lack of outside pressure has allowed teams to attack OSU with an onslaught of long-range jumpers from the tip.Matters were no better on Wednesday when Indiana opened up the first quarter of play shooting 4-of-6 from beyond the arc.“I think putting more pressure on the ball, not letting them see the open man,” Cooper said of the team’s solution to Indiana’s hot start.Multiple missed layup opportunities also stymied OSU from overcoming Indiana. However, OSU sophomore Alexa Hart and Cooper continued to work the interior, sparking a 10-3 run that knotted the contest at 18 after one quarter of play. Hart registered a double-double on the night, scoring 18 points and collecting 13 rebounds.Despite breaking out of an early shooting slump, the Buckeyes still could not entirely pull away from the Hoosiers. That’s because OSU’s elite scorers Mitchell and Alston continued to be held in check by Indiana, combining to shoot 4-of-18 from the field in the first half.“The way (Indiana) came out, the way they shot the ball, I think that prevented us from doing things that we usually do,” Mitchell said.Nevertheless, OSU’s presence in the post continued to eat away at Indiana. Cooper provided a 14-point first-half spark off the bench, leading a Buckeye frontcourt that outscored the Hoosiers 32-18 in the paint over the first 20 minutes. Cooper finished the night shooting 10-of-16 from the field, tallying 23 points and eight rebounds.“I like the energy and it gives us a different look when she comes in,” OSU coach Kevin McGuff said of moving Cooper to the bench.The Scarlet and Gray brought a 40-35 advantage into halftime and built some early momentum after the break. OSU’s first 3-point conversion two minutes into the second half from Mitchell brought the Buckeyes’ lead to seven and led to an Indiana timeout.Mitchell, who finished with 23 points on the night, led the team with 15 points in the third quarter on a perfect 5-of-5 shooting from the field, opening up a 12-point lead heading into the final quarter.“Sometimes when you’re not sure about yourself and you have a slow start it can wear on you,” McGuff said. “But I do think we have a lot of confidence about how we’re playing.”OSU continued to pull away via not letting up on the Hoosiers, sustaining an aggressive and pesky press on defense. That tenacity brought the team’s turnover margin to a plus-10 mark by the game’s end, and helped the Buckeyes finish with 16 points off of turnovers and 23 offensive rebounds.The Buckeyes will continue their Big Ten schedule with a matchup against Rutgers (10-4) on Sunday. Tipoff is set for 2 p.m. at the Schottenstein Center. read more

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Crew enters home playoff contest in need of goals

An unmistakable confidence has pervaded Columbus Crew training sessions in the week leading up to this Saturday’s home-leg playoff match against the Colorado Rapids, despite trailing 1-0 in total goals scored. “We are very confident that we can overcome this deficit,” said Columbus head coach Robert Warzycha on Thursday. Warzycha’s assertiveness has rubbed off on Crew players. Andy Gruenebaum, who will be the Crew’s starting goalkeeper Saturday, is relishing the pressure. “We’re all very confident, it is true,” Gruenebaum said. “No one is freaking out, there’s no frantic behavior. This is what we play for, to be the higher seed and to have this game at home.” The Rapids were aggressive and took advantage of defensive miscues by Columbus en route to a 1-0 win at Dick’s Sporting Goods Park in the opening leg of the series on Oct. 28. Gruenebaum hopes to guide the Crew to a stronger defensive showing Saturday. “As a defensive unit, we need to keep a high line and maintain pressure on the ball and their big playmakers like Conor Casey and [Omar] Cummings,” Gruenebaum said. Robbie Rogers started in the midfield for the Crew in the first leg match at Colorado and provided insight into Saturday night’s must-win contest. “It’s positive in the locker room right now, we’ll be keeping the ball better and we’ll tighten it up on defense,” he said. With the Crew organization expecting a sizable turn-out for Saturday’s match, Rogers sees the loyal Columbus fan base as the final piece of the winning equation. “Just being here at home with all the fan groups is special,” Rogers said. “We have a close connection with all the people in this stadium. They’re the best in the MLS, so the atmosphere is going to be in our favor. This is in our hands.” read more

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NCAA approves tougher violations rules Gene Smith sees improvement in flawed system

The NCAA Board of Directors released a new, more stringent set of rules Tuesday for enforcing athletic programs’ adherence to codes of conduct. The new rules try to simplify and accelerate what has traditionally been a long and complicated rule-enforcing process. The rules also aim to increase the severity of the sanctions and make punishments more uniform instead of treating things on a case-by-case basis, according to the announcement posted on ncaa.org.  Among the most notable changes involve holding head coaches more accountable for the actions of their staff. Now, violations by any member of the staff will reflect on the head coach, unless he or she can prove their personal effort for an “atmosphere of strict compliance.” There was also a change in tiers of violations. Rather than categorizing a violation as “major” or “secondary,” there will now be four levels, with a level one violation being the most “severe breach of conduct.” The NCAA could potentially disqualify a team for multiple years of postseason play and fine the program millions of dollars for a level one violation. Other consequences for various levels of infractions include harsher scholarship reductions, recruiting limits and head coach suspensions. Suspensions for coaches as well as programs can range from 10 percent of the season to a full season. The NCAA Division I Committee on Infractions will expand from 10 members to 24, speeding up the infractions process and handing out violations in a more timely manner. In Ohio State football’s case, this could have meant serving out OSU’s bowl ineligibility during the 2011 season rather than the current season. The last of the most significant changes in the new set of rules includes a more consistent penalty system. Sanctions will no longer be evaluated on a case-by-case basis, and the new standards will ensure equal treatment – and punishment – across the NCAA. NCAA President Mark Emmert said the rules aim to eliminate the temptation for teams to do whatever it takes to win. “We have sought all along to remove the `risk-reward’ analysis that has tempted people — often because of the financial pressures to win at all costs — to break the rules in the hopes that either they won’t be caught or that the consequences won’t be very harsh if they do get caught,” Emmert said. “The new system the board adopted today is the result of a lot of hard work and membership input devoted to protecting the collegiate model.” OSU athletic director Gene Smith said he agrees with the new rules and says they help to solve a “flawed” system. “I am supportive of the new legislation,” Smith said. “It provides clarity and transparency to a system of enforcement and infraction management that was flawed. It also will improve the ability for cases to be handled more expeditiously.” Emmert began the process of establishing a new set of rules in August 2011. The new enforcement structure will take effect on August 1, 2013. Dan Hope contributed to this article
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