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August 18, 2019 | | Post a Comment

first_imgBERLIN (AP) — German prosecutors say the co-pilot who crashed Germanwings Flight 9525 researched how to get hold of deadly drugs and the possibility of a living will — a finding that suggests he was mulling other means of killing himself until the last minute.Duesseldorf prosecutor Christoph Kumpa confirmed a report Friday in German daily Sueddeutsche Zeitung that Andreas Lubitz searched on the Internet in March for ways of getting hold of potassium cyanide, valium and lethal combinations of medicines. He also searched for the term “living will” on the afternoon of March 23, the day before the crash. Here’s how to repair and patch damaged drywall Sponsored Stories Comments   Share   Ex-FBI agent details raid on Phoenix body donation facility A living will spells out a patient’s wishes for medical care if he is unable to communicate with doctors.Prosecutors say Lubitz locked his captain out of the cockpit and deliberately crashed the Airbus A320 into a mountainside during a flight from Barcelona to Duesseldorf, killing all 150 people on board. Among them were 16 students and two teachers returning to Germany from a school trip to Spain.A key source of evidence has been the browsing history on a tablet computer found at the 27-year-old’s apartment, and prosecutors previously have said that he spent time online researching suicide methods and cockpit door security in the week before the crash.Prosecutors in both Germany and France are investigating the crash. On Thursday, Marseille prosecutor Brice Robin said information from Lubitz’s tablet showed he had also investigated vision problems, and “feared going blind,” which would have ended his aviation career.Lubitz, who had a history of depression, had seven medical appointments in the month before the crash, including three with a psychiatrist, and had taken eight sick days off work, Robin said. Some of the doctors felt Lubitz was psychologically unstable, and some felt he was unfit to fly, but didn’t report that information to anyone because of medical secrecy laws, Robin said. Top Stories New Valley school lets students pick career-path academies Milstead says best way to stop wrong-way incidents is driving sober 3 international destinations to visit in 2019 He added that it wasn’t yet clear if the vision woes were real or imagined.The German Medical Association declined to comment on the French prosecutors’ latest revelations, but reiterated its position that rules on patient-doctor confidentiality don’t need to be changed. It noted that doctors are already allowed to inform families of patients with serious contagious diseases, or authorities that a professional driver has an alcohol problem that could endanger him and others.In Haltern, a town in western Germany, the first of the 16 students was buried Friday in a private ceremony. German news agency dpa reported that five of the students will be buried beside a memorial for the crash victims at the Haltern cemetery. It consists of 18 trees planted in such a way as to resemble a classroom.French authorities, meanwhile, plan to create a common grave in the town of Le Vernet, near the crash site, to bury those remains that couldn’t be identified.Families will be invited to that memorial, likely in July, said Robin, the French prosecutor.____Kirsten Grieshaber and Frank Jordans in Berlin, and Jamey Keaten in Paris contributed to this report.Copyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Top holiday drink recipes Top ways to honor our heroes on Veterans Daylast_img read more

August 18, 2019 | | Post a Comment

first_img Ex-FBI agent details raid on Phoenix body donation facility FILE – In this Dec. 17, 2012, file photo, Syrian rebels attend a training session in Maaret Ikhwan near Idlib, Syria. Fewer than 100 Syrian rebels are currently being trained by the U.S. military to fight the Islamic State group, a tiny total for a sputtering program with a stated goal of producing 5,400 fighters a year. The training effort is moving so slowly that critics question whether it can produce enough capable fighters quickly enough to make a difference. Military officials said this past week that they still hope for 3,000 by year’s end. Privately, they acknowledge the trend is moving in the wrong direction. (AP Photo/Muhammed Muheisen, File) On June 26, 2014, the White House said it was asking Congress for $500 million for a three-year train-and-equip program. The training, however, only got started in May after months of recruiting and vetting of volunteers.That program, together with a more advanced but also troubled parallel effort to rebuild the Iraqi army, is central to the U.S.-led effort to create ground forces capable of fighting IS without involving U.S. ground combat troops.The Syria initiative is intended to enable moderate opposition forces to defend their own towns against the IS militants, not to form a national resistance army. Expectations for the Iraqis are much higher; the goal is to have them roll back IS and restore the Iraq-Syria border.The main problem thus far has been finding enough Syrian recruits untainted by extremist affiliations or disqualified by physical or other flaws. Of approximately 6,000 volunteers, about 1,500 have passed muster and await movement to training camps in other countries. Citing security concerns, the Pentagon will not say exactly how many are in training.Officials said that as of Friday, the number in training had dropped below 100 and that none has completed the program. Dozens who were initially accepted have been sent home during training or quit because of revelations about their background or other problems, according to two senior U.S. defense officials. They were not authorized to discuss details and spoke on condition of anonymity. WASHINGTON (AP) — The U.S. military’s program to train and equip thousands of moderate Syrian rebels is faltering, with fewer than 100 volunteers, raising questions about whether the effort can produce enough capable fighters quickly enough to make a difference in the war against the Islamic State.The stated U.S. goal is to train and equip 5,400 rebels per year, and military officials said last week that they still hope for 3,000 by year’s end. Privately, they acknowledge the trend is moving in the wrong direction. Sponsored Stories “So these constraints that we put on ourselves, which are perfectly understandable, do progressively limit the number of inductees into the program,” Carter told Congress. “And that’s proving the thing that limits the growth of the program.”Gen. Martin Dempsey, chairman of the Joint Chiefs of Staff, said at the same House hearing that “within the next couple of months” the administration will have to decide what kinds of post-training support the Syrian rebels will receive. He said the Pentagon is considering several forms, including intelligence, communications, logistics and battlefield airpower.U.S. officials have pointed to the Syrian Kurds’ successes in the north as an example of what U.S. airpower can enable when coupled with a credible, reliable ground force. But it does not answer the question posed by Rep. Tammy Duckworth, D-Ill., to Dempsey.When she asked him whether the rebel training program is worth continuing, he offered something less than a ringing endorsement.“It’s a little too soon to give up on it,” Dempsey said.___Associated Press writer Bassem Mroue in Beirut contributed to this report.Copyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Abdul-Jabbar Abu Thabet, commander of Aleppo Swords Battalion, a moderate faction that is fighting both Assad’s forces and IS, said he believes the Americans are more interested in recruiting Syrian army defectors than moderate rebels.He said he would no longer give Americans the names of training candidates from his group, after having done so once and not receiving a U.S. response.“The Americans are saying they want to train rebels to fight against Daesh only,” he said by telephone from northern Syria, using the Arabic acronym for the Islamic State group. “The fighting should be against Daesh, the (Assad) regime and everyone who is against the revolution.”The Pentagon announced in May that it had begun training 90 recruits in Jordan, but it has refused to give details. Defense officials, however, said last week that training also is underway in Turkey. Eventually it is to be expanded to bases in Saudi Arabia and Qatar.Each trainee is receiving a U.S. stipend of between $250 and $400 a month, with the amount set by their skill level, performance and leadership role, said a Pentagon spokeswoman, Navy Cmdr. Elissa Smith.The Pentagon also is wrestling with how to support those who complete the training and are sent back into Syria. Also, there are questions about how to avoid having their U.S.-supplied arms fall into the wrong hands inside Syria. 4 ways to protect your company from cyber breaches The difference between men and women when it comes to paincenter_img “We have set the bar very high on vetting,” said Col. Steve Warren, a Pentagon spokesman.Maj. Gen. Michael Nagata, the Central Command special operations commander who is heading the program, wants volunteers with more than a will to fight.“We are trying to recruit and identify people who … can be counted on … to fight, to have the right mindset and ideology,” and at the same time be willing to make combating IS their first priority, Defense Secretary Ash Carter told the House Armed Services Committee on June 17.“It turns out to be very hard to identify people who meet both of those criteria,” Carter said.Many Syrian rebel volunteers prefer to use their training to fight the government of President Bashar Assad, the original target of their revolution. While IS has been a brutal occupant of much of their country, the rebels see the extremists as fighting a parallel war.Jennifer Cafarella, a Syria analyst at the Institute for the Study of War, doubts the viability of the training program.“It is simply difficult to acquire the number of Syrian rebels willing to participate in the training under current parameters,” she said. Mesa family survives lightning strike to home Here’s how to repair and patch damaged drywall Comments   Share   5 people who need to visit the Ultrastar Multi-tainment Center Top Stories New Valley school lets students pick career-path academieslast_img read more

August 18, 2019 | | Post a Comment

first_img New Valley school lets students pick career-path academies Top Stories The economy gained 223,000 jobs last month, and unemployment edged down from 5.5 percent in May, the Labor Department reported.That is the lowest jobless rate since April 2008, when it was 5 percent. It eventually soared to 10 percent in late 2009 after the recession had done its worst.Yet unemployment dropped this time mainly because many people out of work apparently got discouraged and gave up looking for a job. The government doesn’t count people as unemployed unless they’re actively searching.In fact, the proportion of Americans working or looking for work slipped to a 38-year low.At the same time, wages have stalled, rising just 2 percent over the past 12 months.The mixed data suggest the Federal Reserve may put off plans to raise short-term interest rates and end the stimulus effort that began in 2008. Most economists had expected the Fed to make its move in September.“After this report, I think it would make sense to wait until December to start that slow rate increase,” said Tara Sinclair, chief economist at the jobs site Indeed and a professor at George Washington University.A Fed increase would lead to higher rates for mortgages, auto loans and other borrowing. How Arizona is preparing the leader of the next generation In this photo taken Tuesday, June 30, 2015, Sophia Lewis, left, with PSEG Long Island, speaks to an attendee about employment opportunities during a job fair at Citi Field in New York. U.S. employers likely hired at another strong pace in June, a sign that the job market is nearing full health and giving the Federal Reserve reason to raise interest rates as early as September. Economists predict that employers added 233,000 jobs and that the unemployment rate dipped to 5.4 percent from 5.5 percent in May, according to data firm FactSet. (AP Photo/Mary Altaffer) New Year’s resolution: don’t spend another year in a kitchen you don’t like Comments   Share   Sponsored Stories Ex-FBI agent details raid on Phoenix body donation facility Here’s how to repair and patch damaged drywall Mesa family survives lightning strike to home WASHINGTON (AP) — U.S. unemployment fell to a seven-year low of 5.3 percent and employers hired at a solid pace in June, but other gauges of the job market drew a bleaker picture: A wave of people stopped looking for work, and paychecks failed to budge.The figures released Thursday capture the persistently uneven nature of the recovery from the Great Recession.The job market “remains consistent with a two-steps-forward, one-step-back expansion the U.S. economy finds itself in,” said Scott Andersen, chief economist at Bank of the West. The sluggish wage growth suggests that many employers see no need to raise pay to attract or retain workers and that there are more people available for hire than the unemployment rate would indicate.Some quirks of the jobs report might also explain why wages stagnated last month. The government’s survey ended relatively early in the month on June 12. As a result, it might have excluded some twice-monthly paychecks, noted John Silvia, chief economist at Wells Fargo.Another sour note in the report was that construction companies failed to add any jobs in June. Manufacturing gained just 4,000 positions. But health care added 53,000, and retailers 33,000.Still, over the past three months, hiring has averaged a robust 221,000 per month. That shows that some employers are confident about consumer demand for their goods and services in the coming months.Patrick Cimerola, senior vice president of human resources at Choice Hotels, the corporate parent of such chains as Quality Suites and Comfort Inn, said the company is raising pay and adding perks to hire workers in marketing, information technology and finance.“More people are traveling, because more people have disposable income,” he said. “And we believe that will continue.” Americans are, in fact, spending more than they did earlier this year, when the miserable winter caused the economy to contract. The Conference Board said this week that consumer confidence reached the second-highest level since the recession.Auto sales and home sales have jumped to their highest levels since 2007. And the economy is expected to grow at a 2.5 percent annual rate in the second quarter.Yet Greece’s debt crisis and a slowdown in China could also weigh on U.S. growth this year.__AP Economics Writer Josh Boak contributed to this report.__Contact Chris Rugaber on Twitter at http://Twitter.com/ChrisRugaber .Copyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Top holiday drink recipeslast_img read more

August 17, 2019 | | Post a Comment

first_imgBritish Airways is a step closer to realizing its long-held dream to merge with American Airlines, after DoT gave the carriers a tentative green light to expand their transatlantic alliance. The DoT said it granted antitrust immunity to members of the Oneworld alliance-American, British Airways, Iberia Airlines, Finnair and Royal Jordanian Airline. According to DoT, the proposed alliance would enhance competition in the airline industry “by creating competition with the existing Star Alliance and the SkyTeam alliance, which already have been granted immunity.” The approval carries certain conditions the airlines must meet “to protect consumers and preserve competition,” the agency said in a statement. As a condition of approval, DoT proposed that Oneworld make four pairs of slots available to competitors at London’s Heathrow Airport. The DoT ruling was slammed by rival Virgin Atlantic Airways whose president Richard Branson described the draft conditions as “a complete joke.” Virgin’s Branson said that following the deal American and British Airways would share 47% of the slots at London Heathrow. Branson urged the European Union to impose tougher conditions on the proposed alliance to protect consumers. <a href=”http://www.etbtravelnews.global/click/1561a/” target=”_blank”><img src=”http://adsvr.travelads.biz/www/delivery/avw.php?zoneid=10&amp;cb=INSERT_RANDOM_NUMBER_HERE&amp;n=a5c63036″ border=”0″ alt=””></a> Source = e-Travel Blackboard: C.Flast_img read more

August 17, 2019 | | Post a Comment

first_imgSource = e-Travel Blackboard: G.A The proposed merger between Stella Travel Services and Jetset Travelworld Group (JTG) looks set to go as the Australian Competition and Consumer Commission (ACCC) today announced it would broke no opposition to the partnership.”The ACCC conducted an extensive review of this transaction to ensure that it would not adversely impact Australian travellers,” ACCC chairman Graeme Samuel said.”After looking very closely at the issues, the ACCC found that the merged Jetset-Stella entity and its member agents are likely to face continued and increasing competition from online travel agents, direct supply by airlines and hotels, and the largest travel retailer in Australia, Flight Centre.”The Internet has dramatically affected the way competition works in the travel industry as more and more customers look online for the best deals,” Mr Samuel said.”As a result, not only are traditional bricks and mortar agents forced to compete harder on price and service to attract customers, but airlines, hotels and tour companies also have new ways of reaching those customers. In this context, the Jetset-Stella merger is unlikely to substantially lessen competition.”last_img read more

August 17, 2019 | | Post a Comment

first_imgWe are delighted to announce that Quest Serviced Apartments is the winner of the National Customer Focused Franchise award at this year’s Australian Service Excellence Awards. Hosted on 9 November by the nation’s peak customer service association, the Customer Service Institute of Australia (CSIA), the awards recognise Australia’s leading customer service providers.Chairman of Quest Serviced Apartments, Paul Constantinou, believes customer service is the key to maintaining Quest’s competitive edge.“This award is testament to the commitment of 2,000 individual’s across our business delivering exceptional guest service day in and day out. This award is a proud achievement and shared with more than 120 Australian Quest properties and their employees”, said Mr Constantinou.Since opening the first Quest property in Fitzroy, Melbourne in 1988, the brand has grown to become the largest serviced apartment provider in Australasia, with more than 125 properties in Australia, New Zealand and Fiji. Source = Quest Serviced Apartmentslast_img read more

August 17, 2019 | | Post a Comment

first_imgMelbourne Convention Bureau chief executiveKaren Bolinger announces new initiatives. Melbourne Convention Bureau (MCB) has undertaken a rebranding exercise to provide a more uniform approach to their activities and ensure Melbourne is kept top of mind for international conventions.MCB launched three new initiatives at AIME yesterday as part of the rebrand, including the next phase of ‘Melbourne IQ’, the ‘Melbourne Values You’ incentive program and the unveiling of ‘Melbourne’s Convention District’.’Melbourne IQ: The Intelligent Choice for Conferences: A Guide to Bidding for International Conferences’ will offer potential local hosts a concise overview on how they can partner with the MCB in bidding for international conferences.”Becoming a local host and partnering with MCB to bid for an international conference opens up many doors; from research collaboration and showcasing Australian innovation and expertise to the world, to raising one’s profile and creating opportunities for career advancement, the possibilities are endless,” MCB chief executive officer Karen Bolinger said.Ms Bolinger went on to showcase the four kilometre convention district that she believes is one of the world’s premier business events destinations.With 197,930 conference square metres the convention district offers 15,049 accommodation rooms within walking distance to all venues and only 20 minutes from Melbourne Airport.”The convention district is also home to Melbourne’s most renowned and exciting attractions including the Melbourne Cricket Ground, Arts Centre, celebrated restaurants and of course the city’s iconic laneways – ideal for delegates who have some downtime during their stay,” Ms Bolinger said.As a sweetener to the international incentives market, MCB will offer a series of special offers for planners called ‘Melbourne Values You’, designed to make booking and planning an event in Melbourne a seamless and affordable experience.Partnering with 30 of its members, MCB will offer up to 80 complimentary services or discounts for incentive groups including free WiFi, hotel room upgrades, reduced entry into attractions and discounted food and beverage packages.”This program is designed to move Melbourne out of the consideration set and into the confirmation set,” Ms Bolinger said.The ‘Melbourne Values You’ program is eligible for corporate meetings, incentive programs and conferences with a minimum of 100 delegates travelling at the same time and staying for a minimum of two nights in Melbourne.Groups must be confirmed by 31 December 2013 for travel to Melbourne prior to 31 December 2014 and must not have been booked prior to February 2013.Source = e-Travel Blackboard: N.A.last_img read more

August 17, 2019 | | Post a Comment

first_imgRoyal Caribbean Cruises Ltd will retrofit 19 of its ships with advanced emissions purification (AEP) systems in order to reach the global emission standards.These systems, also known as scrubbers, will remove more than 97 per cent of the sulphur dioxide emissions generated by the ships’ diesel engines.The move will position RCL ahead of all forthcoming International Maritime Organization Emission Control Area emissions standards, and will ensure compliance with existing European Union standards.Royal Caribbean Cruises president and chief operating officer Adam Goldstein, said the AEP technology is new and will benefit the whole industry.“AEP technology for maritime vessels is very new, and we expect that by utilising multiple technological solutions to accommodate the differences among our ships, additional development will ultimately help industrialise AEP technology even more, which will benefit not only RCL but also the larger maritime industry,” Mr Goldstein said.The company faced significant challenges in order to accommodate the AEP systems on its existing ships, however the cruise line has implemented an unprecedented, very systematic process and involved the world’s leading expertise in this field to help.Beginning in January 2015, installation will take place on 13 Royal Caribbean International ships and six Celebrity Cruises ships, during scheduled dry-dockings and while ships are in service.Preliminary work has begun on several of the ships receiving AEP systems, most will take place between 2015 and 2017 with each installation will take approximately eight months. Source = ETB Travel News: Lewis Wisemanlast_img read more

August 17, 2019 | | Post a Comment

first_imgThailand to host Optimist World Championship 2017Thailand to host Optimist World Championship 2017Thailand has been selected to host the Optimist World Championship 2017 to be organised between 11-21 July, 2017 at the Royal Varuna Yacht Club (RVYC) in Pattaya. Over 59 countries have already confirmed to compete in the event, and each country will send their most talented Optimist sailors to race as national representatives on this world stage.Organised by the Royal Varuna Yacht Club (RVYC), the Yacht Racing Association of Thailand (YRAT) in conjunction with the International Optimist Dinghy Association (IODA) with strong support from the Sports Authority of Thailand (SAT).The Optimist Dinghy has proven to be the ideal boat for introducing young children to the sport of sailing.The object of the class is to provide an affordable racing boat for young people. Optimist Dinghy sailing typically starts at the age of 7 or 8 and continues to 15 years of age.  More than 85% of all sailors who participated in the Rio Olympics sailed in Optimist Dinghies when they were young.Thomas Whitcraft, President of the Optimist World Championship 2017 ThailandMr Whitcraft said, “The Royal Varuna Yacht Club is proud to have been chosen as the host venue for the prestigious Optimist World Championship 2017. We relish the opportunity to host the Championship and showcase Thailand as a great venue for International sailing events.“This is the 2nd time in Thai history that Thailand has won the honour of hosting the world-class event. We held our first Optimist World Championship here at RVYC back in 1979 and it is great that the club has been selected to be the international venue once again.”He continued, “We are blessed in Thailand to have weather that is great for sailing all year round with more than our fair share of consistent winds. Moreover, the reputation of Thailand for providing exceptional hospitality comes from its wonderful people, beautiful seas and great food, so we really are a standout world sailing destination.”Admiral Kraisorn Chansuvanich, Honorary President of the Optimist World Championship 2017 and also President of the Yacht Racing Association of Thailand (YRAT), said, “Thailand is pleased and warmly welcomes all young optimist sailors from around the world to compete in the Optimist World Championship 2017. This event will provide an inspiration for Thai youths to take up sailing and boost the development of Optimist sailing in Thailand to international standards.”The Optimist World Championship 2017 Thailand has been supported by strategic partners including the Sport Authority of Thailand (SAT), Thailand Convention and Exhibition Bureau (TCEB). Co-Sponsors include The Pizza Company, Apollo (Thailand), Thai Airways and True Corporation.About Royal Varuna Yacht Club (RVYC)Under Royal Patronage, the Royal Varuna Yacht Club was founded by HSH Bhisadej Rajani and Mr. Walter J. Meyer  in 1957 and other members.His Majesty the Late King Bhumibhol Adulyadej and Princess Ubolratana, both keen sailors, regularly sailed at Royal Varuna Yacht Club. Unprecedented, they both achieved first place and won Gold Medals at the 1967 South-East Asia Peninsular Games.The Royal Varuna Yacht Club (RVYC) founded in 1957 is the premier sailing club and centre of dinghy sailing in Thailand, located in a secluded cove between Pattaya and Jomtien.  It is a Not-For-Profit Association with a constitutional mandate to Promote Sailing in Thailand.With close to 500 members, it is a family oriented club for sailors of all abilities, from the uninitiated to serious racers. The club offers a year-round sailing program with cruising and racing. The club offers sailing tuition for adults, in its extensive sailing program under RYA accreditation from the UK. Source = Royal Varuna Yacht Club – Andrew J. Woodlast_img read more

August 17, 2019 | | Post a Comment

first_imgNorwegian Cruise Line Holdings Ltd. Partners with All Hands VolunteersNorwegian Cruise Line Holdings Ltd. Partners with All Hands VolunteersNorwegian Cruise Line Holdings Ltd., a leading global cruise company which operates the Norwegian Cruise Line, Oceania Cruises and Regent Seven Seas Cruises brands, today announced a partnership with All Hands Volunteers, the world’s leading disaster relief organization powered by volunteers, and set a goal to raise $2.5 million for the Hope Starts Here hurricane relief program. Under Hope Starts Here, the company is committing to match up to $1.25 million of donations from its valued guests, team members, suppliers and partners in order to substantially help All Hands Volunteers (hands.org), a 501(c)3 non-profit relief organization, and Happy Hearts Fund (happyheartsfund.org) deliver early relief response for the Florida Keys, and rebuild safe, resilient schools in the Caribbean islands impacted by Hurricanes Irma and Maria.“We are heartbroken to see the devastation that Hurricanes Irma and Maria have inflicted on the Florida Keys and several Caribbean islands, where our ships have been visiting since the beginning of our 50 years in business,” said Frank Del Rio, President and Chief Executive Officer of Norwegian Cruise Line Holdings Ltd. “The Caribbean is part of our family, and we are grateful to work with All Hands Volunteers and Happy Hearts Fund to create the Hope Starts Here hurricane relief program and do our part in giving back to these destinations. We’re proud to start our campaign with a $600,000 donation to help begin the rebuilding efforts.”“We are incredibly grateful for this support from Norwegian Cruise Line Holdings Ltd., and for our continued partnership with Happy Hearts Fund to provide their support and expertise,” said David Campbell, Chairman and Founder of All Hands Volunteers. “As the single largest donation in our organization’s history, this funding could not have come at a more crucial time as we work to rebuild communities in the U.S. Virgin Islands and other Caribbean islands after the destruction brought by recent natural disasters, Hurricanes Irma and Maria. All Hands Volunteers will work together with the local communities to meet their long-term needs and rebuild hope.”“We are thrilled to receive this donation from Norwegian Cruise Line Holdings Ltd. and to work in partnership with All Hands Volunteers with their hurricane relief efforts in the Caribbean islands and the Florida Keys,” said Petra Nemcova, Founder of Happy Hearts Fund. “This funding will allow us to together rebuild safe, resilient schools in areas most impacted by recent natural disasters to keep children safe, but also to ensure that these communities are not forgotten when the emergency response efforts are complete. Children often wait four or more years for schools to be rebuilt, and I hope that more companies will take the same thoughtful actions for long-term recovery.”In the wake of Hurricane Irma, Norwegian Cruise Line Holdings Ltd. immediately deployed Norwegian Sky to St. Thomas, USVI to bring 35 pallets of much-needed supplies and assist in humanitarian efforts to evacuate residents and visitors. Additionally, one of the company’s newest ships, Norwegian Escape, also housed approximately 4,000 displaced guests who were unable to secure flights home due to hurricane closures. The company is continuing to collect essential items, including medical supplies, diapers, baby formula, water, food, construction materials, blankets, sleeping pods and more, and is working with partners on the ground to support disaster relief efforts. To help hurricane relief and recovery, and to make a donation that will be matched by Norwegian Cruise Line Holdings Ltd., please visit http://www.ncl.com/hope-starts-here.About All Hands VolunteersSince its inception following the Indian Ocean earthquake and tsunami in 2004, All Hands Volunteers has responded to 79 disasters worldwide, engaging over 39,000 volunteers to help more than 500,000 individuals impacted by natural disasters all over the world; including Hurricanes Katrina and Sandy, Typhoon Haiyan in the Philippines and the devastating earthquakes in Nepal in 2015. Philanthropic leaders say the organization is known for being nimble, collaborative, and professional in its response to the immediate and long term needs of those suffering in the aftermath of a natural disaster. All Hands Volunteers has received Charity Navigator’s highest 4 Star Rating. All Hands Volunteers currently has disaster relief programs in Texas, U.S. Virgin Islands, Louisiana, Missouri, Nepal and Peru. Find out more at http://www.hands.org.About Happy Hearts FundHappy Hearts Fund (HHF), founded in 2006 by Petra Nemcova after she survived the 2004 Indian Ocean Tsunami, rebuilds safe, resilient schools in areas impacted by natural disasters. HHF works during the gap period when children are forgotten after emergency response is complete, bringing hope and empowerment to generations of children and entire communities. Globally, Happy Hearts Fund is active in 10 countries and has built 165 schools. Since inception their programs have benefited more than 110,000 children and 618,000 community members. For more information, please visit www.happyheartsfund.org.Source = Norwegian Cruise Line Holdings Ltd.last_img read more

August 16, 2019 | | Post a Comment

first_imgReunion Island Tourism (IRT) has launched 24 individual short videos to highlight the services and attractions of the island, each covering a specific aspect with duration of just one minute.The tourism industry is an important sector for the economic development of Reunion Island. In an effort to better inform the people of Reunion on the tourism sector’s contributions and economic impact at large, the IRT has produced a series of 24 short awareness videos to showcase the depth of the tourism sector’s service range – Tourism Moments – an immersive discovery of tourism business.Each of the 24 different videos invites the viewer to discover variety. Various professionals explain the specific aspects of their business – the tourists who give their impressions on the destination’s attractions, the students who intend to work in the field of tourism, and high-level athletes who combine passion and promote the destination as an adventure dream. The clips all have the same objective, informing the public about the many professions and segments of the tourism sector.In the panel of tourism-related occupations, extensive work in the tourism sector can address seven values in everyday life-The principle of commitment: to make a passion a professionThe principle of movement: working in an evolving industryThe principle of work: the trades that moveThe principle of interaction: working in contact with touristsThe principle of sharing: to offer the experience of the destination to travellersThe principle of pleasure: to contribute to visitor satisfactionThe principle of territory: to invest and own the development of the island.This measure aims at facilitating the arrival of Indian tourists. Making most of this opportunity, Reunion Island is increasing the promotion of the destination in the Indian Market. Representation World under the leadership of its partner, Vineet Gopal, will ensure the presence and visibility of Reunion Island in India.last_img read more

August 16, 2019 | | Post a Comment

first_imgThe Union Minister of Civil Aviation Ashok Gajapathi Raju and Union Minister of State for Civil Aviation, Culture (Independent Charge) and Tourism (Independent Charge), Dr Mahesh Sharma jointly inaugurated direct flight of Air India’s budget arm, Air India Express, between Varanasi and Sharjah. The Varanasi-Sharjah flight, IX 183, took off from Lal Bahadur Shastri International Airport, Varanasi with 170 passengers.Air India Express has deployed a 186-seater Boeing 737-800 aircraft which will depart from Varanasi thrice a week at 1700 hours and arrive in Sharjah at 1930 hours. On the return leg flight IX 184 will depart from Sharjah at 1050 hours and will arrive in Varanasi at 1600 hours. The non-stop flight will operate on Mondays, Thursdays and Saturdays, fulfilling a long-standing need of passengers of the areas, in and around Varanasi.Speaking on the occasion, Ashok Gajapathi Raju said that the new flight will improve the air connectivity. He also said that if Uttar Pradesh becomes more civil aviation friendly, connectivity will go up easily. He also emphasised upon the need of establishing training centres to improve the skills for aviation sector.Dr Mahesh Sharma said that Varanasi is an important destination for tourism particularly religious tourism. This flight will help in boosting the tourism in Varanasi.Air India also introduced a hub and spoke service from Varanasi, which will offer convenient links to many international destinations, by connecting the passengers to / from Air India flights in Delhi. With the newly introduced hub and spoke service, Air India will offer convenient links to many international destinations in the Gulf countries, Jeddah, Moscow, Tokyo, Singapore, Hong Kong by connecting the passengers to / from Air India flights. The new hub and spoke flight, AI 039, will leave Delhi at 1035 hours and reach Varanasi at 1145 hours. The corresponding incoming flight AI 049, from Varanasi will reach Delhi at 1720 hours after taking off at 1550 hours from Varanasi.last_img read more

August 15, 2019 | | Post a Comment

first_img With the latest bank failure tallying up numbers for 2011 at 64, lawmakers convened a field hearing in Georgia Tuesday to determine whether risk-wary authorities are to blame for folding institutions and federal rescues. Appearing as witnesses, several bank presidents complained of a stifling regulatory environment, which federal regulatory authorities, in turn, portrayed as needed and helpful in the wake of the financial crisis.[IMAGE]Signaling the subcommittee mien, “”Rep. Spencer Bachus””:http://bachus.house.gov/ (R-Alabama), chairman of the “”House Financial Services Committee””:http://financialservices.house.gov/, said in a “”statement””:http://financialservices.house.gov/News/DocumentSingle.aspx?DocumentID=255544 that lawmakers “”cannot allow regulatory micromanagement of community banks to stifle prudent lending… Bank examiners must recognize the risks of over-regulation, and particularly avoid subjecting smaller financial institutions to undue regulatory burdens.””In step with the committee chairman, “”Rep. Lynn Westmoreland””:http://westmoreland.house.gov/ (R-Georgia), likewise a vocal critic of federal regulation, called attention to the collapse of 67 banks around the state since 2009. According to the “”FDIC””:http://www.fdic.gov/, this year’s 64 failures followed 157 from last year, which built on 140 failures over 2009, totaling 380 failures since 2008. Over 325 of the institutions that failed are community banks with less than $10 billion in total assets.On the whole, bankers highlighted the distress brought about by a dented market for commercial real estate and faulted federal authorities for a heavy-handed approach to banking regulation.Chuck Copeland, CEO of the “”First National Bank of Griffin””:https://www.fnb-griffinonline.com/home/home, colored the regulatory environment as one of “”mixed messages”” that he said included overly harsh examiners’ reports, an unwillingness on the parts of regulators to disclose information, and a climate that cast banks as excessive risk-takers.Reacting to these portrayals, he asked, “”Did we have a role setting ourselves up to become victims? No doubt. But did we recklessly pursue growth and earnings at all cost with no regard to the other elements of the mission? Never!””[COLUMN_BREAK]Copeland added that “”we have found the field examiners less willing to disclose conclusions and very guarded in acknowledging progress in those areas where we may have been performing well.””V. Michael Rossetti, president of “”Ravin Homes””:http://www.ravinhomes.com/, distinguished between the message and the messenger by highlighting his relationships with examiners and “”the lack of common business sense use in the interpretation of the regulations.””In a past interview with _MReport_, Richard Eckman, a managing partner at “”Pepper Hamilton LLP””:http://www.pepperlaw.com/ and chair of the law firm’s financial services practice group, called federal guidance ├â┬ó├óÔÇÜ┬¼├óÔé¼┼ô a subject of note at the field hearing ├â┬ó├óÔÇÜ┬¼├óÔé¼┼ô “”regulation in disguise.””Eckman said that “”banking regulatory agencies are famous for issuing guidance,”” which remains controversial as a way for federal agencies to ride around extensive rule-making requirements.””If it looks like a duck and quacks like a duck, it’s a duck,”” he said.Speaking to the issue, Kevin Bertsch, associate director of banking supervision and regulation at the “”Federal Reserve””:http://www.federalreserve.gov/, called bank-examination guidance “”necessary to assess capital adequacy, asset quality, management and board oversight, earnings, liquidity, and sensitivity to market risk.””Reading from a prepared statement, Bret Edwards, the FDIC’s director of resolutions and receiverships, attempted to dispel the controversy by saying that the agency remained “”keenly aware of the significant hardship of bank failures on communities in Georgia and across the country.””He attributed fewer failures on the part of problem banks to “”corrective measures”” taken by the FDIC, asserting that “”most banks across the country are in sound condition, well capitalized and profitable.””The field hearing is the latest in a series of actions taken by Congress and Rep. Westmoreland in particular to stem the collapse of banks and curb regulation along largely partisan lines. In late July the House passed a bill that would require the FDIC’s inspector general to examine what role, if any, the current regulatory infrastructure plays in undermining the credit supply for community banks.The bill, co-sponsored by Rep. Westmoreland, awaits action from the Democratic Senate. in Government, Origination, Secondary Market, Servicing Bank Failures Hearing Goes After Regulators August 16, 2011 433 Views center_img Agents & Brokers Attorneys & Title Companies Bank Failure FDIC Federal Reserve Investors Lenders & Servicers Processing Service Providers 2011-08-16 Ryan Schuette Sharelast_img read more

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first_img Agents & Brokers Home Sales Housing Affordability Investors Lenders & Servicers Mortgage Rates National Association of Home Builders Processing Service Providers 2012-08-15 Krista Franks Brock in Data, Government, Origination, Servicing August 15, 2012 406 Views Declining Affordability Is Good for the Market: NAHBcenter_img After reaching a record high of 77.5 percent in the first quarter of this year, housing affordability declined to 73.8 percent in the second quarter of this year, according to the “”Housing Opportunity Index (HOI)””:http://www.nahb.org/news_details.aspx?sectionID=135&newsID=15477 released Monday by the “”National Association of Home Builders (NAHB)””:http://www.nahb.org/default.aspx and “”Wells Fargo.””:https://www.wellsfargo.com/ [IMAGE]Despite the decline, “”interest rates and overall housing affordability remain very favorable on a historic basis,”” said Barry Rutenberg, chairman of NAHB and a homebuilder in Gainesville, Florida. The rate has remained elevated above 70 percent since the start of 2009. The HOI measures the percentage of homes sold in a particular quarter that are affordable to those earning at the median income level. [COLUMN_BREAK]In the second quarter, 73.8 percent of homes sold were affordable to those earning the national median income of $65,000. The primary contributing factor to the decline in affordability in the second quarter was rising home prices across the nation. “”A full 92 percent of metros covered in the latest HOI saw their median home prices rise between the first and second quarter,”” according to a “”press release””:http://www.nahb.org/news_details.aspx?sectionID=135&newsID=15477 from NAHB. Rutenberg suggests the decline in affordability over the past quarter “”is a positive development because it is another signal that the housing recovery is starting to take root.”” He says the drop “”lends needed confidence to prospective buyers and sellers who have been reluctant to move forward in the current marketplace.”” The New York-White Plains-Wayne, New York-New Jersey metro area has been the least affordable housing market for the past 17 quarters, including the most recent one. The metro has an affordability rate of 29.4 percent. The most affordable major market in the most recent quarter, with an affordability rate of 93.4 percent is Youngstown-Warren-Boardman, Ohio-Pennsylvania. Dayton, Ohio; Buffalo-Niagara Falls, New York; and Indianapolis-Carmel, Indiana also ranked at the top of the affordability index in the second quarter. Among smaller markets, Fairbanks, Alaska posted the highest affordability rate ├â┬ó├óÔÇÜ┬¼├óÔé¼┼ô 98.7 percent. Sharelast_img read more

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first_img September 4, 2012 406 Views in Data, Government, Origination, Servicing Private and public construction spending fell off in July, shy of initial estimates, with private nonresidential spending worse for the wear if trends persist, analysts say.[IMAGE][COLUMN_BREAK]Analysts with “”IHS Insight””:http://www.ihs.com/products/global-insight/index.aspx shared their concerns on Tuesday with commentary detailing the latest spending numbers from the “”Census Bureau””:http://www.census.gov/. According to the report, construction spending declined by 0.9 percent in July, while spending went up 9.3 percent year-over-year.Public construction declined by 0.4 percent, with overall spending falling 0.2 percent. Private construction fell 1.2 percent, just as residential and nonresidential spending dovetailed by 1.6 percent and 0.9 percent, respectively, the report said.Not far behind, private residential construction fell by 1.6 percent, with residential spending on its way to 1.6 percent, according to the report. Single-family homes ticked up 1.5 percent, while multifamily spending slid to 2.8 percent. IHS Global Insight analysts Patrick Newport and Michelle Valverde called the spending slowdown a “”disappointing report.””Citing an Architecture Billings Index, the two also noted that private nonresidential construction may “”[head] for rough seas in nine to twelve months,”” adding that “”a slowdown in this category is much more likely than a contraction.”” Construction Spending Falls in July, Shy of Estimatescenter_img Agents & Brokers Census Bureau Investors Lenders & Servicers Processing Service Providers 2012-09-04 Ryan Schuette Sharelast_img read more

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first_img October 18, 2012 383 Views Report: Construction Improving Most in Southeast Even construction activity seems to be bigger in Texas.Six of the top 10 markets with the most single-family construction activity over the last year are located in Texas and the Southeast, according to a report from “”John Burns Real Estate Consulting””:http://www.realestateconsulting.com/.[IMAGE]Houston ranked at the top of the list with 26,727 single-family permits in the past 12 months, a 24.6 percent year-over-year increase. It’s followed by Dallas (11,460 permits, 10.1 percent up year-over-year).””Tracking metro-level permit trends gives insight into which housing markets are growing and by how much,”” said Adam Artunian, senior research analyst for the company. “”Houston, driven by strong job growth, a growing population and an accommodating building environment, has seen more than twice the amount of permit activity than second-ranked Dallas.””Meanwhile, while Phoenix trailed in third with 10,962 permits, it dominated the other metros in terms in year-over-year improvement, showing a 62.7 percent gain.[COLUMN_BREAK]””Builders in Phoenix are scrambling to keep up with a recent surge in demand brought on by low resale supply, a surge in investor activity, rising prices, and strong job growth,”” Artunian said.Orlando and Oklahoma City also saw huge increases in new home construction, posting year-over-year growth of 49.1 percent and 55 percent, respectively.Conspicuously absent from the list of the top 20 markets was California. Artunian explained that most markets in the state are supply constrained with typically long lead times to open new communities. Riverside-San Bernardino, currently California’s largest market for single-family construction, has actually seen negative permit growth, dropping to 26th in the rankings.Because housing demand and employment are usually tied together, single-family permit growth has also meant job growth for many metros. Oklahoma City, Orlando, and Phoenix have all seen substantial employment growth (above 2.5 percent year-over-year) to match the rise in permits. On the other end of the spectrum, lackluster job growth has contributed to limited permit growth in the District of Columbia.Some metros bucked the trend, though. Construction activity surged in Las Vegas and Jacksonville, both markets with relatively weak job growth.””Even though the economy remains sluggish in these markets, considerable pent-up demand and improving housing fundamentals are spurring construction,”” Artunian said.While construction activity is picking up greatly in some previously down markets, Artunian said “”strong increases in permits paired with shrunken construction employment are creating unpredictability, including spotty labor shortages in some markets.”” Sharecenter_img in Data, Government, Origination, Secondary Market, Servicing Agents & Brokers Attorneys & Title Companies Homebuilders Housing Permits Investors Jobs Lenders & Servicers Processing Service Providers 2012-10-18 Tory Barringerlast_img read more

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first_img October 24, 2012 443 Views in Data, Government, Secondary Market Pointing to slow employment growth and an “”elevated”” unemployment rate, the Federal Open Market Committee said Wednesday the Federal Reserve “”will continue purchasing additional agency mortgage-backed securities at a pace of $40 billion per month.”” [IMAGE] At the same time, the “”FOMC””:http://www.federalreserve.gov/newsevents/press/monetary/20121024a.htm said it would maintain the target federal funds rate at 0 to 1/4 percent and said the “”exceptionally low levels for the federal funds rate are likely to be warranted at least through mid-2015.””The Committee voted 11-1 with only Richmond Fed President Jeffrey M. Lacker dissenting.The FOMC’s decision and action were not unexpected.The policy actions will not directly address the FOMC’s dual policy mandates of maximum employment and price stability, but are expected to “”put downward pressure on longer-term interest rates, support mortgage markets, and help to make broader financial conditions more accommodative”” and “”to support a stronger economic recovery.””[COLUMN_BREAK] Despite its observations about the labor sector, the Committee, in its last meeting before Election Day, painted a slightly upbeat picture of the economy.””Household spending has advanced a bit more quickly, but growth in business fixed investment has slowed,”” the FOMC said at the conclusion of a two-day meeting. The housing sector has shown some further signs of improvement, albeit from a depressed level. Inflation recently picked up somewhat, reflecting higher energy prices. Longer-term inflation expectations have remained stable.””The statement said though “”the Committee remains concerned that, without sufficient policy accommodation, economic growth might not be strong enough to generate sustained improvement in labor market conditions”” adding “”strains in global financial markets continue to pose significant downside risks to the economic outlook.””In addition to continuing its MBS purchase program designed to keep mortgage rates low, the committee said it will also continue through the end of the year “”its program to extend the average maturity of its holdings of Treasury securities”” and its policy of reinvesting principal payments from its holdings of agency debt and agency mortgage-backed securities in agency mortgage-backed securities. Those actions, the FOMC said, will increase the Committee’s holdings of longer-term securities by about $85 billion each month through the end of the year,”” to keep rates low.Lacker, the Committee said, voted against the policy because he “”disagreed with the description of the time period over which a highly accommodative stance of monetary policy will remain appropriate and exceptionally low levels for the federal funds rate are likely to be warranted.”” Agents & Brokers Attorneys & Title Companies Federal Reserve Investors Lenders & Servicers Mortgage Rates Mortgage-Backed Securities Service Providers 2012-10-24 Mark Liebermancenter_img Fed,FOMC Maintains Policy Stance to Hold Down Rates Sharelast_img read more

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first_img in Data, Government, Origination, Secondary Market, Servicing, Technology ValuTrac Celebrates First-Quarter Growth April 2, 2013 406 Views Agents & Brokers Appraisals Attorneys & Title Companies Company News Investors Lenders & Servicers Processing Service Providers 2013-04-02 Tory Barringercenter_img “”ValuTrac Software””:http://www.valutracsoftware.com/, a Texas-based software solutions provider to the appraisal management and mortgage lending industries, saw tremendous growth in 2013’s first quarter, the company announced Monday.[IMAGE][COLUMN_BREAK]During Q1, ValuTrac experienced a 110 percent increase in revenue over the same period last year. Given the rapid adoption rate of its appraisal management technology, the company expects revenue to continue rising, and its customer base is anticipated to more than double over the rest of 2013.””The mortgage lending industry needs, and lenders are demanding, a compliant appraisal management solution to minimize business risk. ValuTrac’s fully-customizable appraisal management system is delivering that solution to both the residential and commercial markets,”” said ValuTrac CEO Clint Cornett. “”Our system is the gold-standard of the appraisal management industry and is designed to provide the specific structure around the regulatory requirements of Dodd-Frank, the Interagency Guidelines, and the Appraiser Independence Requirements. In addition, it allows clients to adjust their appraisal workflow and processes as required for their specific business.”” Sharelast_img read more

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first_img Share in Data, Origination, Secondary Market application,Despite Slower Home Sales, Mortgage Demand Is Rising May 10, 2013 418 Views center_img Home sales declined in March, but demand for mortgage credit increased, according to the “”US Housing Market Monthly”” from “”Capital Economics.””:https://www.capitaleconomics.com/ The report maintains an overall positive outlook on the market despite the small decline in March sales and quashes any concerns of another bubble forming. [IMAGE] Total home sales decreased 0.4 percent over the month of March, according to the firm’s analysis, and the homeownership rate “”fell””:https://themreport.com/articles/homeownership-rate-drops-to-8-year-low-2013-04-30 to 65 percent. Capital Economics expects a further decline in homeownership to 64 percent “”within a year or so,”” but investors will continue to contribute to a housing recovery. Despite these declines, the Fed “”reported””:http://www.federalreserve.gov/boarddocs/snloansurvey/201305/default.htm an increase in home purchase applications in April, and credit “”loosened a touch,”” the report stated. [COLUMN_BREAK]Meanwhile, homes remain undervalued, despite rising prices, and it will likely be a few years before prices rise to fair market value, according to Capital Economics. Tight inventory continues to contribute to rising prices. The 4.9 month’s supply reported in March, up from 4.7 months’ supply in January, remains far below the 7-month norm. “”At the current rate of increase, it will be several years before supply conditions look normal,”” Capital Economics stated in its report. The tight supply should contribute to price increases of about 10 percent year-over-year in coming months. With current prices 5 percent undervalued compared to current rents and 20 percent below fair value compared to income per capita, “”concerns that a bubble is forming in US house prices are premature,”” Capital Economics stated. In fact, Capital Economics calculated with a 10 percent annual price gain with a 4 percent annual income gain, “”it will take until 2017 for housing to return to fair value.”” States with significant price gains are generally the same states with strong labor markets, according to Capital Economics. Florida, California, and Washington D.C., are all experiencing labor and price rebounds. However, Capital Economics warns the D.C. market may soon be affected by government cutbacks. Home builders face constraints related to building materials, labor, and land, but Capital Economics still forecasts increased activity moving forward. Agents & Brokers Attorneys & Title Companies Capital Economics Home Sales Investors Lenders & Servicers Mortgage Applications Service Providers 2013-05-10 Krista Franks Brocklast_img read more

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first_img HUD’s Mortgagee Review Board (MRB) announced settlement agreements of two Texas mortgage lenders on Monday.According to HUD, American Home Free Mortgage, LLC (AHFM) and R.H. Lending were allegedly in violation with the Federal Housing Administration (FHA) rules and were “engaged in a scheme to charge bogus fees to consumers, which improperly inflated mortgages for borrowers purchasing newly constructed manufactured housing.”The MRB considers evidence brought against FHA-approved lenders for violations of the agency’s program requirements, HUD noted. The Board can withdraw a lender’s FHA approval so that the lender cannot participate in FHA programs for serious violations. In less serious cases, the Board enters into settlement agreements with lenders to bring them into compliance.The Board can also impose civil money penalties, enter into settlements with administrative payments, place lenders on probation, suspend their FHA approval, or issue letters of reprimand.Among the 11 alleged violations of the FHA’s rules, the MRB claimed Prosper, Texas- based American Home Free Mortgage, “artificially increased mortgage costs by an average of $12,000 per loan through illegitimate fees paid to a company owned and operated by its sales manager.”HUD also alleged that there were multiple quality control and annual certification violations within AHFM.With respect to HUD’s allegations, AHFM did not admit fault or liability, HUD says.The agreement outlined that AHFM would pay a civil money penalty in the amount of $169,419 and agree to permanently withdraw its FHA approval.“FHA-approved lenders are obliged to apply our underwriting standards, not only to protect our insurance fund, but to make certain families can sustain their mortgages,” said Helen Kanovsky, HUD’s general counsel. “Lenders who engage in business practices that do not conform to generally accepted standards or who act irresponsibly will not be tolerated.”This is not the first time that the MRB has dealt with lenders allegedly violating FHA rules.In June 2014, the MRB heard a similar case against R.H. Lending, Inc.,(RHL), of Colleyville, Texas. Multiple underwriting violations by RHL of manufactured home loans were considered by the Board.HUD alleged that the lender had “taken part in a scheme to disguise fees charged to borrowers as legitimate construction fees, but for which no work was performed, thus creating an inflated mortgage for the borrowers and increasing FHA’s exposure to loss.”RHL did not admit fault or liability, HUD says.RHL agreed to pay civil money penalties in the amount of $300,000 and to the permanently withdraw its FHA approval. HUD also debarred two of the principal actors in the RHL scheme from doing business with the Federal Government for a period of seven years. in Daily Dose, Featured, Government, News August 10, 2015 483 Views American Home Free Mortgage HUD Mortgage Lenders Mortgagee Review Board R.H. Lending Settlement 2015-08-10 Staff Writercenter_img HUD Mortgagee Board Finds Two Mortgage Lenders in Violation of FHA Rules Sharelast_img read more