You made your Dragons debut this season… It’s great to test yourself against the best, to find out things to work on as the standards are a lot higher. If you’re playing every week, your recovery has to be really good too.Who has been the biggest influence on your career?Probably my parents. Not with the actual playing side, but they talk a lot of sense. Whether I’ve had a bad game or a good game, they remind me rugby isn’t everything, keep me grounded. They have supported me with everything.What do you do outside rugby? I’m studying international relations at Cardiff University. It’s online this year, but it’s nice to have something else to focus on.RW Verdict: At 6ft 4in and more than 18st, Carter is a sizeable unit and makes his presence felt – he made 29 tackles for Wales U20 against Italy last year. Enjoyment is his focus this term and Dragons DoR Dean Ryan seems to enjoy picking him. Dragons lock Ben CarterDate of birth 23 January 2001 Born Crowborough, Sussex Position Lock Region Dragons Country WalesHow did you get involved in rugby? I went to Caldicot rugby club with a friend when I was eight or nine.I was a No 8 when I was younger and moved to second-row when I was 15. You get a bit more space and ball at No 8, but I like that you have a lot of involvements at second-row.What are your strengths? I pride myself on having a good work-rate, the things that don’t require any talent. I enjoy the physical aspect too; I can get better at it but that’s one of the things I enjoy most.What are you looking to improve? My defence of the driving maul. Everything is a step up in senior rugby – players are stronger, more streetwise and you can’t get away with being in wrong positions like you could at age-grade level.Who was your childhood hero? I didn’t have one standout but I liked people like Alun Wyn Jones, Eben Etzebeth, Sam Whitelock. When I was younger, it was No 8s Kieran Read and Taulupe Faletau.You captained Wales U18. How do you find leadership? I might not be the most aggressive leader, get people up for it, but I think I have a quiet calm, keep other players calm and manage the referee well. I enjoy the responsibility. The second-row has been impressing for the Welsh region this season LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS This article originally appeared in the March 2021 edition of Rugby World magazine.Follow Rugby World on Facebook, Instagram and Twitter. Ben Carter has represented Wales at age-grade level (Inpho)
Subscribe Data Provider Black Knight to Acquire Top of Mind 2 days ago Fannie and Freddie Transfer Risk on $281.4B of UPB in Daily Dose, Featured, Foreclosure, News November 13, 2019 1,566 Views Print This Post FHFA 2019-11-13 Seth Welborn Previous: 11 State Attorneys General Challenge CFPB Leadership Structure Next: Fed’s Jerome Powell Says Economy Will Continue to Grow Share Save Fannie Mae and Freddie Mac transferred 84% and 89%, respectively, of the allocated credit risk capital on 2018 acquisitions covered by credit risk transfer, according to the Federal Housing Finance Agency (FHFA) has issued its semi-annual Credit Risk Transfer Progress Report.In the first half of 2019, the GSEs transferred risk on $281.4 billion of UPB with a total Risk in Force (RIF) of $10.5 billion. Securities issuances accounted for 56% of RIF, reinsurance transactions accounted for 26% of RIF, and lender risk sharing accounted for 18% of RIF.Additionally, the FHFA measured the foreclosure prevention actions undertaken by Fannie Mae and Freddie Mac in its FHFA Foreclosure Prevention, Refinance and FPM Report. Fannie Mae and Freddie Mac completed 8,464 foreclosure prevention actions in August, bringing the total to 4,372,944 since the start of the conservatorships in September 2008.Additionally, the GSE’s serious delinquency rate remained unchanged at 0.65% at the end of August from July. Total refinance volume increased in August 2019 as mortgage rates fell in previous months. Mortgage rates decreased in August: the average interest rate on 30‐year fixed rate mortgage fell to 3.62% from 3.77% in July.Freddie Mac recently announced that its Single-Family Credit Risk Transfer (CRT) programs have surpassed the $50 billion mark in transferring credit risk to private investors and (re)insurers. From program inception to date, the company has transferred a portion of the credit risk on more than $1.3 trillion of Single-Family mortgages based on unpaid principle balance (UPB) at issuance.Per FHFA guidelines, Freddie Mac now transfers the credit risk on more than 90% of the UPB on CRT-eligible, newly-acquired Single-Family mortgages.The goal of Freddie Mac’s Single-Family CRT programs is to transfer credit risk away from U.S. taxpayers to global private capital via securities and (re)insurance policies. Earlier this year, Freddie Mac reported a slight increase in comprehensive income in Q2 2019 from the previous quarter, up to $1.8 billion.Since the start of the CRT programs in 2013 through the end of June 2018, Fannie and Freddie have transferred a portion of credit risk on approximately $3.1 trillion of UPB with a combined RIF of about $102 billion, or 3.3% of UPB. About Author: Seth Welborn The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Servicers Navigate the Post-Pandemic World 2 days ago Tagged with: FHFA The Week Ahead: Nearing the Forbearance Exit 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Fannie and Freddie Transfer Risk on $281.4B of UPB Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer.
2021-05-19 Christina Hughes Babb Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Market Studies, News About Author: Christina Hughes Babb 11 days ago 686 Views Print This Post Data Provider Black Knight to Acquire Top of Mind 1 day ago Demand Propels Home Prices Upward 1 day ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly, Salon.com, Dallas Observer, Edible, and the Dallas Morning News, among others. The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 1 day ago Share 3Save Data Provider Black Knight to Acquire Top of Mind 1 day ago Previous: FHFA Publishes GSE Goals for Market Improvements Next: First Mortgage Default Rates Slide in April Savvy Homeowners Aim to Profit in Strong Sellers’ Market The Week Ahead: Nearing the Forbearance Exit 2 days ago Subscribe Home / Daily Dose / Savvy Homeowners Aim to Profit in Strong Sellers’ Market Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily A good portion of sellers is taking advantage of today’s highly competitive house-hunting environment. Data researchers at Realtor.com found that 29% are asking for more than they think their home is worth.While the strongest reasons for relocating remain the desire for more space and meeting the needs of a growing household, the second-highest motivator is the desire to take advantage of the current market to make money on a home sale, noted Realtor.com Economist George Ratiu Multiple offers and high prices are just the beginning of what sellers expect, according to the survey of 657 homeowners who plan to sell within the next 12 months between March 26-April 7.”Low mortgage rates and a lack of available homes for sale have created a strong seller’s market, and these survey results show that homeowners think that they have the upper hand if they list their home soon,” Ratiu, said. “However, after a year of challenges which kept homeowners from listing their home, we are seeing sellers coming back which should help moderate prices and bring more balance to the housing market over the coming months. For homeowners planning to sell this year, research your local market conditions to ensure that your home’s price reflects neighborhood trends.”Fifty-three percent of sellers expect to get their asking price and 24% expect to get more than asking. Sixteen percent of sellers expect a bidding war to take place and to have multiple offers to choose from, Realtor.com reported.”With home prices up 17% in just the last year, it’s no wonder that 94% of home sellers expect to get more than what they originally paid when they bought their home. One in 10 sellers expects to get double what they paid for the home,” said the report’s authors.Homes nationwide are selling 41% faster than one year ago. They average 43 days on the market. Considering the conditions, 25% of sellers expect an offer within a week of listing, and 16% expect a cash offer.It’s possible to land one’s dream home right now, but shoppers must be battle-ready and focused, note the experts.”If you want to be competitive in today’s housing market, it’s important to have all of your finances in order and be ready to move quickly when you find a home you love,” said Rachel Stults, Deputy Editor, Realtor.com. “A good tip is to get pre-approved before you begin house hunting, and then look at homes under your budget. That way, if you need to offer above asking to be competitive, you can do so without stretching your wallet.”The full Realtor.com report on the company’s website. Related Articles Servicers Navigate the Post-Pandemic World 2 days ago
The ability of the Utah energy-balance and snowmelt model (UEB) to simulate decline in snow water equivalent (S”‘E) at an extreme location was assessed. Field data were collected at Paternoster Valley, Signy Island, South Orkney Islands (60°43’ S) during the austral summer of 1996-97. This is the first application of UEB in a maritime Antarctic site. UEB is a physically based snowmelt model using a lumped snowpack representation with primary state variables SvVE and snowpack-energy content (U).Meteorological inputs are air temperature, wind speed, humidity, precipitation and total incoming solar and longwave radiation. The Paternoster Valley catchment was subdivided into eight non-contiguous terrain classes for sampling and modelling using a geographical information system (GIS). Simulations of SWE in each of these classes were compared with field observations. It is shown that initial U and snow-surface thermal conductance(Ks) affect model simulations. Good approximations of SWE depletion are obtained using measured incoming solar radiation to drive the model but there are shortcomingsin the characterization of longwave radiation and sensible-heat fluxes.
Multiple agencies will investigate the Jan. 30 fire at Playland’s Castaway Cove on the Ocean City Boardwalk. Personnel from multiple agencies will be in Ocean City this week as the investigation into the Jan. 30 fire at Playland’s Castaway Cove continues, according to a city press release.Agencies involved in the investigation include the Ocean City Fire Department Investigation Unit, Cape May County Fire Marshal’s Office, Cape May County Prosecutor’s Office and New Jersey State Fire Marshal’s Office. Because of the size of the estimated loss, the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) National Response Team has also been activated.At this time, the investigation is still in the preliminary stages as investigators work to determine the origin and cause of the fire.There is no need for public alarm, the city said in the press release Wednesday. The city is asking the public not to enter the premises of Castaway Cove during the investigation.Anyone who has additional information relating to this investigation is urged to contact the Cape May County Prosecutor’s Office at 609-465-1135, the Ocean City Police Department at 609-399-9111, or report it anonymously through the Cape May County Sheriff’s Tip Line at cmcsheriff.net and click on anonymous tip, or through the Cape May County Crime Stoppers, 609-889-3597.
The details for the 8th-annual Grateful Dead Meet-Up at the Movies have been announced. Presented by Fathom Events, the special one-night event on Wednesday, August 1st will see Deadheads nationwide head to their local theater to relive a show from the archives in its entirety: The Grateful Dead’s July 7th, 1989 performance at J.F.K. Stadium in Philadelphia, PA.The Dead stopped at the aging Philly stadium during their massive 1989 tour, and proved to be the [Jack] Straw that broke the old camel’s back. Just hours before the concert, city inspectors discovered piles of combustible materials, numerous electrical problems, and crumbling concrete, telling symptoms that the stadium was on its last legs. The show was allowed to go on, but proved to be the structure’s send-off: Six days after the Grateful Dead’s 1989 show, then-Mayor Wilson Goode condemned the stadium due to multiple findings by city inspectors that the structure was structurally unsafe and a potential fire hazard.Explains the announcement:The Philadelphia concert offers a snapshot of the Dead’s 1989 tour, where the band played to some of its biggest audiences ever. The band helped raze the aging stadium, thundering through “Hell In A Bucket,” “Little Red Rooster” and Bob Dylan’s “Stuck Inside Of Mobile With The Memphis Blues Again.”Many sitting at north end of the open-air stadium recall the concrete bleachers trembling during Mickey Hart and Bill Kreutzmann’s drum duet in the second set. The show closed with another Dylan cover, “Knockin’ On Heaven’s Door,” the last song ever performed at JFK.“For nearly a decade now, fans have looked forward to the summer to get together with ‘family’ in movie theaters across the nation for the annual ‘meet-up,’” Fathom Events CEO Ray Nutt expressed in a statement. “We’re proud to partner with Rhino again this year to bring this special event, featuring one of America’s most treasured rock bands, to some of the world’s most devoted fans.”Head here to check what theaters near you are participating in the 2018 Grateful Dead Meet-Up at the Movies and reserve your ticket today.Setlist: The Grateful Dead | J.F.K. Stadium | Philadelphia, PA | 7/7/89Set One: Hell in a Bucket, Iko Iko, Little Red Rooster, Ramble on Rose, Stuck Inside of Mobile, Loser, Let it Grow, Blow AwaySet Two: Box of Rain, Scarlet Begonias > Fire on the Mountain, Estimated Prophet, Standing on the Moon > drums > The Other One, Wharf Rat, Turn on Your Love LightEncore: Knockin’ on Heaven’s Door
As a Rappaport Fellow, you were able to engage in public service as an intern with the Joint Committee on Health Care Financing at the Mass. State House, while also fulfilling your practice requirement. Tell us about that experience.I had a fantastic summer working with my state representative Jeffrey Sanchez, House Chairman of the Committee on Health Care Financing. During my 10 weeks, I worked on a series of issue briefs detailing how pending federal health reform would impact Massachusetts, answering questions like “who would lose contraceptive coverage” and “how would this plan augment racial health inequities?” I attended committee hearings on bills from Governor Bakers’ MassHealth proposals to sex ed reform; sat in on meeting with disability rights activists and pharmaceutical reps, and even got to play some raucous games of cornhole with kids at district hotdog nights.The pace of the State House was unlike anything I’d experienced in the research and nonprofit worlds — our work could change at a moment’s (or a tweet’s) notice. I loved the challenge of staying on top of national and local health policy news, and quickly synthesizing it through the framework of state policy options.How did these activities enhance your public health training and inform your understanding of public policy? I’ve gone from not knowing what a CSR was to having a decent grasp on the complex world of health policy in Massachusetts, and getting to meet many of its major players. One of my biggest lessons this summer has come from watching the ways evidence is (or isn’t) used to inform policymaking in the legislature. I saw a default reliance on reports from major foundations and public entities, and realized the importance of academics who proactively reached out to present their findings. I learned to present data in a way that is easily digestible and makes clear its policy implications.I’ve testified at hearings as a public health advocate in the past, and being on the other side of the table this summer was an invaluable experience. I watched legislators trying to turn information from disagreeing stakeholders into a decision that at once honored the wishes of their constituents, upheld their own convictions, and was politically and pragmatically feasible, all in the face of federal uncertainty….You mention the importance of academics who proactively reach out to legislators to present their findings. Do you have examples of academics who do this particularly well? When I asked Chairman Sanchez about his decision-making process, he told me how much he values the perspectives of researchers. He mentioned both Nancy Krieger and Nancy Turnbull as examples of academics who’ve been influential in using their findings to inform policy-making. … I think it’s important for researchers to be proactive about making themselves a resource. Professor Bryn Austin’s work with STRIPED is a terrific example. The group not only uses data to inform policy-makers, but to craft new legislation.— Interview by Whitney Waddell Read Full Story
Read Full Story This week, the Harvard Project on American Indian Economic Development (HPAIED or the Harvard Project) announced it is joining the Ash Center for Democratic Governance and Innovation.The Harvard Project was founded in 1987 and works to understand and foster the conditions under which sustained, self-determined social and economic development is achieved among the U.S. American Indian nations and Indigenous communities worldwide. Project co-founder Joe Kalt, Ford Foundation Professor of International Political Economy, Emeritus, said, “Over the years, our work has increasingly focused on good self-governance as key to strengthening Indigenous communities. This emphasis makes for a perfect fit with the Ash Center.”The Harvard Project’s Honoring Nations Award program has long been a partner of the Ash Center’s Innovations in American Government Awards program, a force in recognizing and promoting excellence and creativity in the public sector. “We’re thrilled that the Harvard Project will be joining the Ash community, which we hope will lead to added opportunities to collaborate with the faculty and staff of the Ash Center’s Innovations and other programs and initiatives,” said Ash Center Director and Daewoo Professor of International Affairs Tony Saich.Since 1998, the Honoring Nations Award program has recognized 136 innovative governance programs from across Indian Country, some of which are featured in the Project’s newly launched edtech tool — the Nation Building Toolbox. As a multimedia platform, the online toolboxes shine a light on the lessons and best practices provided by Native nations. This fall the Harvard Project will continue to highlight exemplary models of self-governance as it searches for nominations and applications for their 2020 Honoring Nations Award cycle.Nation Building Toolboxes and Honoring Nations Award information and applications can be obtained online at www.hpaied.org.Through applied research and service, the Harvard Project aims to understand and foster the conditions under which sustained, self-determined social and economic development is achieved among American Indian nations. The Harvard Project’s core activities include research, education, and the administration of a tribal governance awards program. In all of its activities, the Harvard Project collaborates with the Native Nations Institute for Leadership, Management, and Policy at the University of Arizona. The Harvard Project is also formally affiliated with the Harvard University Native American Program, an interfaculty initiative at Harvard University.
This weekend, Notre Dame students and graduates will interact and network at the Alumni Association Leadership Conference, held Thursday through Saturday. Featured speakers include Carolyn Woo, president and CEO of Catholic Relief Services and former dean of the Mendoza College of Business, and Gerry Faust, former Notre Dame football coach (1981-1985). Stephanie Mola, special event program director for the Alumni Association, said the conference gives Notre Dame graduates who acted as leaders in their classes, clubs or groups the opportunity to come back to campus for three days to and networking. “We were very fortunate this year in acquiring extremely dynamic speakers to address the group,” Mola said. University President Fr. John Jenkins, Executive Vice President John Affleck-Graves, Vice President Lou Nanni, Irish coach Brian Kelly and Senior Associate Athletic Director John Heisler will address the conference participants, she said. Elle Metz, Young Alumni Programs Manager for the Alumni Association, said students will have the opportunity to interact directly with alumni during the conference. “The student-alumni social on Thursday night is an excellent opportunity for students to meet alumni from around the country,” Metz said. “In particular, they can interact and network with alumni from their current hometown or their future city of residence.” She said the atmosphere will be casual and conducive to mingling among members from all different sides of the Notre Dame community. In addition, Metz said the conference will host a student panel to help attendees get an inside look at the experiences of four different students at Notre Dame. “At the student-alumni social, students and alumni can connect over many different subjects, ranging from a suggestion for a parish in a new city to a job contact,” Metz said. The conference, open to all students and alumni, can also help students get advice from those who have travelled the same path before them, she said. “This is an excellent opportunity for students to learn what Notre Dame graduates are doing out in the world and to gather advice on their own life paths,” Metz said. Metz encouraged students interested in getting involved with their local Notre Dame club to visit myNotreDame.nd.edu/clublocator to find one near their city. “Once they join the club, there are multiple opportunities to get involved,” Metz said. “For example, they can attend club events like game watches and service projects.” Joining a Notre Dame club could also provide a job opportunity in the future, Metz said, as graduates are able to serve as Young Alumni Coordinators who help plan club programs. Metz said the University encourages all members of the Notre Dame family, even parents and friends, to get involved with their local Notre Dame club. Contact Meg Handelman at [email protected]