Rabat – Vichy Wellness Clinic has opened in Morocco for the first time, in Bouznika, near Rabat, reinforcing Morocco as a “wellness” tourist destination. The wellness clinic opened in the Vichy Celestin Spa Hotel which offers a new approach to the hotel business. The hotel focuses on the wellness and health of its clients by offering services based on nutrition, health, and beauty, with Vichy thermal water and sea water at the center of its activities. The Vichy Wellness Clinic has, according to the hotel’s description, a 3,200 square meter medical spa with 30 private spaces and a VIP room. The services include weight management programs, reshaping, medical and nutritional consultations, and personalized physical training. The Vichy centre is equipped with modern wellness technologies such as balneotherapy, cryotherapy, and endermology. The hotel also has a specialized diet restaurant where Vichy water is used for cooking, and dietary options, such as gluten-free, lactose-free, or sugar-free meals, are also available. The Vichy Celestin Spa Hotel is located in the Bahia Golf Beach and has over 130 rooms, two restaurants, and two pools with filtered sea water, of which one is heated and one is for rehabilitation. Prices range from MAD 600 to 2,200 for simple treatments and care, and over MAD 5,000 for cures.
The list had been circulated to foreign missions in Colombo and Wickremetunga is heard telling Rajapaksa to obtain a copy of the letter from a few foreign missions to investigate where the letter came from. Wickremetunga tells Rajapaksa the government must show the foreign missions that it is ready to investigate the list. (Colombo Gazette) Another telephone conversation between slain journalist Lasantha Wickremetunga and former President Mahinda Rajapaksa has been leaked in the media.The telephone conversation leaked on the “srilankamirror” website has Wickremetunga and Rajapaksa having a conversation about a list containing the names of journalists under threat in the country.
“This globally agreed agenda, pledges to secure a healthy planet and build peaceful and inclusive societies to ensure lives of dignity for all,” said the Secretary-General in a video message marking the International Day for the Eradication of Poverty. “Its pledge to leave no one behind will require innovative approaches, partnerships and solutions.” In particular, he called for addressing the root causes of poverty to eradicate it in its entirety, and in doing so to listen to the views and guidance of people living in poverty and acting together with them. Despite progress to eliminate poverty, more than 800 million people around the world continue live in extreme poverty and many more are threatened by alarming rates of unemployment, insecurity, inequality, conflict as well as the effect of climate change. Eliminating poverty, and alleviating the suffering and building resilience of those living in poverty is the target for Goal 1 of the Sustainable Development Goals (SDGs) to end poverty in all its forms everywhere. The Goal also aims to ensure social protection for the poor and vulnerable, increase access to basic services and support people harmed by climate-related extreme events and other economic, social and environmental shocks and disasters. This year marks the 25th anniversary of the decision by the General Assembly, designating 17 October as the International Day for the Eradication of Poverty. The theme for this year’s commemoration is Answering the Call of October 17 to end poverty: A path toward peaceful and inclusive societies.It recognizes the knowledge and courage of families living in poverty throughout the world, as well as the importance of reaching out to the poorest and building an alliance with citizens from all backgrounds to end poverty.
Indian bodybuilders perform before Surya Namaskar or Sun salutation during a function to mark 150th birth anniversary of Swami Vivekananda, in New Delhi, India, Monday, Feb. 18, 2013. (AP Photo/Manish Swarup)HERE ARE THE things we learned, loved and shared today.THINGS WE LEARNED:#MURDER: A murder investigation is underway in Co Cork after a post-mortem examination showed that a woman who was thought to have died in a house fire had actually “died in violent circumstances”. Olivia Dunlea, 36, was found in the house at Passage West after the emergency services were called in the early hours of Sunday morning.#PROMISSORY NOTES: The President of the European Central Bank (ECB) has told MEPs the institution has not yet considered whether the promissory note arrangements between the Central Bank of Ireland and the Irish government are in breach of European law. Appraisals are usually carried out when the ECB’s annual report is compiled in spring each year, which could indicate that no authoritative test will be undertaken for another 12 months.#JOBS: Drugs company GlaxoSmithKline has announced it is to close a unit in Cork, with the loss of 94 jobs. Meanwhile, Facebook is to create more than 100 new jobs in Dublin, with positions including corporate communications, data, developer relations, sales, administration and user operations advertised on its website.#GRANDPARENTS: A new Bill legislating for the rights of grandparents to apply for access to children is to introduce a definition of the term in child guardianship law. The Rights of Grandparents Bill 2013 will change the current obligation on grandparents to have to apply to court for leave before applying for access to their grandchildren in circumstances where access is denied.#BELGIUM: Belgium’s ‘most hated-man’ Marc Dutroux has been denied early release after applying to be released under house arrest with an electronic tag to monitor his movements. Dutroux was jailed for life in 2004 for the kidnap and rape between June 1995 and August 1996 of six young and teenage girls, four of whom died.Visitor’s Assistant Hilal Ozelci views Roy Lichtenstein’s sculpture Galatea 1990, during the press preview for Lichtenstein: A Retrospective at Tate Modern, London. (Anthony Devlin/PA Wire)THINGS WE LOVED:Every Wikipedia entry has an optional geo-tagging feature – so, if you mapped all information from its upload location, how would look? Programmer Olivier Beauchesne downloaded all of Wikipedia, used an algorithm to assemble topical clusters from keywords, and then placed the location of each on a map. The result is pretty amazing…Facebook announced 100 new jobs at its Dublin HQ today, which is great news. Unfortunately Chief of Detagging, Relative Blocker and other jobs we’d really like to see at Facebook aren’t among the advertised positions…McDonald’s was just a little bit smug about Burger King’s Twitter account being hacked earlier today. This stunning photo gallery shows the Australasian Antarctic Expedition – a 31-man team who undertook the most ambitious yet of the southern continent in December 1921.David Cameron has regularly trumpeted Britain’s arms industry, naming it a key part of the nation’s economy… but is that really the case?How to astronauts sleep when in space? Answer: like zombies. Uploaded by Planetary CollectiveTHINGS WE SHARED: A model displays an Autumn/Winter design by Francis Montesinos during Madrid’s Fashion Week, in Madrid, Monday, Feb. 18, 2013. (AP Photo/Daniel Ochoa De Olza)
Want to pump the jams on the beach, at a small get-together, or just about anywhere you go? Invest in a nice wireless speaker, and you’ll be able to play your favorite tunes whenever you want. And for a limited time, you can snag the G-Boom Bluetooth boombox on StackSocial for an excellent price. • G-Boom wireless Bluetooth boombox for $84.99 (List price: $100)Okay, what are we looking at here? The G-Boom measures 10.2 inches by 11.8 inches by 4.9 inches (HWD), weighs in at a little under 6 pounds, supports most Bluetooth-enabled devices (phones, tablets, PCs, etc.), and plays audio for about six hours on a single charge. And even if you don’t have a wireless device, it’ll work over a regular ol’ headphone jack to. So, how does it hold up review-wise? On Amazon, the G-Boom boombox currently has a 4.5 out of 5 based on over 600 reviews. Cnet gave it 3.5 out of five, and gave it a lot of praise for the price tag. And over at iLounge? It earned a grade of “A.” The lack of speakerphone functionality might be a non-starter for some, but this is a solid little wireless speaker nonetheless.Normally, this boombox sells for about a hundred bucks — even on Amazon. But when you make your purchase on StackSocial, you can instantly save 15% off the retail price. It ships within the contiguous US, and when you order now, the estimated delivery window is mid-April.Note: All sales final. Terms and conditions apply. See the StackSocial website for more information.Our commerce group sources the best deals and products for the Geek Deals posts. We operate independently of Editorial and Advertising and may earn a percentage of the sale, if you buy something via a link on the post. If you are interested in promoting your deals, please contact us at email@example.com.For more great deals, head over to TechBargains.com.
Caption: Vice President Biden, who served for more than twenty years in the Senate with Senator Bob Dole, spoke about Dole’s legacy and his commitment to fighting hunger.Photo Credit: Douglas Graham/CQ Roll CallThe American Soybean Association’s (ASA) World Initiative for Soy in Human Health (WISHH) Executive Director Jim Hershey was in Washington, DC this week, meeting with USAID, US Feed Grains Council, the Global Alliance for Improved Nutrition (GAIN) and the Aga Khan Industrial Promotion Services bureau.Hershey also attended the World Food Program USA’s 12th annual George McGovern Leadership Award ceremony. This year, the ceremony recognized former Senator Bob Dole for his lifetime work on hunger and food security issues.In fact, the WFP USA announced they would be changing the name of the award to the McGovern-Dole Leadership Award.
TwitterFinally, the outcome is loud and clear. The grand-old party has failed to counter the juggernaut of PM Narendra Modi. Surely, Rahul Gandhi faces imminent jibes tomorrow at the CWC but more than that, this was a historic defeat that beholds the entire opposition to litmus test.Congress, on its own, has done better than its performance in 2014. Until the success in assembly elections of Rajasthan and Chattisgarh, no party worker or leader was able to hope for the party’s revival. When it did happen, ambitious acrimony for sops led to the party’s debacle again.The vivid lack of committed cadre and young leadership in every state, disorganised party structure, intermittent success followed by repeated failures over the last five years have made the party realise its inherent shortcomings. Nonetheless, 2019 BJP victory has given Congress an enviable lesson to learn.The formation of Congress-led governments in Madhya Pradesh and Karnataka despite limited majority have given BJP enough ground to muster its own cadre and supporters to counter the emerging wave in favour of Congress, especially its leader Rahul Gandhi.Here, BJP’s excellent control over the media channels helped it pass on the message quickly and decisively. All means of communication — media, news and direct communication via its own cadre, social media channels, roping in influencers, local leaders, group heads, TV channels and media houses — fell in line within a span of just two months to carry forward BJP’s message to the last voter.Congress, evidently, failed miserably to sense the online social media onslaught as its over-ambitious comminication leads jumped the ship when the battle was in the mid-sea. Since, the cadre-less Congress Party failed to counter inner shortcomings and withstand outside attacks, all its weapons of criticism ranging from Rafale to NYAY, failed to deliver.Secondly, Priyanka Gandhi’s entry in February raised many eyebrows but the party failed to project her as another Indira Gandhi, despite suggestions and pleadings from many corners. By not fielding her against Modi in Varanasi, the party has lost one major opportunity to strengthen her stature.The discipline in a party comes with restrictions and Amit Shah has shown how age factor, retirement and non-inheritance of political legacy by family members could make BJP different. Impressed with these cosmetic but very effective tools of discipline, common voters fell for the glitter.No wonder, Rahul Gandhi needs to wait for five more years, but surely, he has time to rebuild the age old party and structure it the way BJP did.
Afghan President Ashraf GhaniThe Afghan Taliban on Saturday announced a three-day ceasefire over the Eid holiday at the end of this week, their first offer of its kind, following a ceasefire announced by the government on Thursday.The militants said foreign forces would be excluded from the ceasefire and that operations against them would continue. They also said they would defend themselves against any attack.“In three days, maybe the unity of Taliban insurgents will be put to test,” a European diplomat told Reuters. “If different factions don’t accept the ceasefire, then attacks will continue.”Afghan president Ashraf Ghani announced an unconditional ceasefire with the Taliban on Thursday, until 20 June, coinciding with the end of the Muslim fasting month of Ramadan, but excluding other militant groups, such as Islamic State.Ghani’s decision came after a meeting of Islamic clerics declared a fatwa, or ruling, against suicide bombings, one of which, claimed by Islamic State, killed 14 people at the entrance to the clerics’ peace tent in Kabul.The clerics also recommended a ceasefire with the Taliban, who are seeking to re-impose strict Islamic law after their ouster in 2001, and Ghani endorsed the recommendation, saying it would last until 20 June.It was not immediately clear when the Taliban ceasefire would begin, as Eid starts when the moon is first sighted on either the 29th or 30th day of Ramadan, and the moon appears at different times across the country.Ghani has urged ceasefires with the Taliban before, but this was the first unconditional offer since he was elected in 2014.In August, US president Donald Trump unveiled a more hawkish military approach to Afghanistan, including a surge in air strikes, aimed at forcing the Taliban to the negotiating table.Afghan security forces say the impact has been significant, but the Taliban roam huge swaths of the country and, with foreign troop levels of about 15,600, down from 140,000 in 2014, there appears little hope of outright victory.The Taliban’s surprise announcement comes as Trump and North Korean leader Kim Jong Un are due to sit down to a summit in Singapore on Tuesday, something few people would have predicted just months ago when threats between the two sides were at their most bellicose.
The Right to Information Act allows for a public authority to disclose records which are otherwise exempt from disclosure if public interest outweighs the harm protected.Activist Subhash Agrawal had sought from the Prime Minister’s Office the records related to the freedom fighter and leader of the Indian National Army to clarify the mystery surrounding his alleged death in a plane crash 70 years back.Agrawal had also asked for information of the steps taken by the top office to make such records public and the action taken on requests seeking such documents. Also Read – Need to understand why law graduate’s natural choice is not legal profession: CJIBut toeing the line of the UPA government, the PMO had cited an exemption clause in the RTI Act which allows withholdnig of information that could prejudicially affect relations with a foreign country. The PMO, however, did not even give the names of the countries with which the relations may get affected once the said information is made public.When the first appeal was filed before a higher officer in the top office, the Appellate Authority, Krishan Kumar, had rejected the argument that public interest would be served through the disclosure of the documents related to Bose’s death.Home Minister Rajnath Singh, while campaigning for polls, had claimed that there was a larger public interest involved in the disclosure of the documents, but the PMO under Modi does not seem to be in agreement.
“Deck the Halls” and “Jingle Bells” are swell Christmas songs. But the best holiday classics have a warm fuzzy, almost wistful quality. There’s “I’ll Be Home for Christmas,” “White Christmas,” and, arguably, the greatest of them all: “Have Yourself a Merry Little Christmas.”What many people may not know about that last number, though: It originally had a different set of lyrics, and was something of a Yuletide downer — to put it mildly.Poster for the 1944 film Meet Me in St. Louis.The song was penned by Hugh Martin for the 1944 MGM musical, Meet Me in St. Louis, starring Judy Garland.The plot: A family is saddened to learn that they’ll be moving to New York City after their father gets a promotion, and will have to leave their beloved St. Louis home just before the 1904 World’s Fair is about to hit town.Margaret O’Brien and Judy Garland in Meet Me in St. LouisIn a three-hanky scene set on Christmas Eve, Garland’s character, Esther, sings the ballad to cheer up her heart-broken little sister, Tootie, played by the tear-making machine that was five-year-old Margaret O’Brien.Take a look at some of the less-than-lighthearted lyrics Martin composed before filming began:“Have yourself a merry little ChristmasIt may be your lastNext year we may all be living in the pastHave yourself a merry little ChristmasPop that champagne corkNext year we may all be living in New YorkNo good times like the olden daysHappy golden days of yoreFaithful friends who were dear to usWill be near to us no moreBut at least we all will be togetherIf the Lord allowsFrom now on, we’ll have to muddle through somehowSo have yourself a merry little Christmas now”According to Hollywood lore, Garland thought the song was too sad (ya think?), and asked Martin if he could lighten it up a little.He initially refused, but the actress stood firm, saying, “If I sing that to that sweet little Margaret O’Brien, they’ll think I’m a monster!”Margaret O’Brien and Judy Garland perform the song “Under the Bamboo Tree” in Meet Me in St. Louis.The composer finally caved, coming up with new, less depressing, lyrics: “Have yourself a merry little Christmas, It may be your last, Next year we may all be living in the past” changed to “Have yourself a merry little Christmas, Let your heart be light, From now on your troubles will be out of sight”; “Faithful friends who were dear to us, Will be near to us no more” became “Faithful friends who are dear to us, Gather near to us once more.”Cropped screenshot of Judy Garland from the trailer for the film Meet Me in St. Louis.Meet Me in St. Louis became a big hit, and Garland’s version of the song became popular with U.S. troops during World War II. (A performance at the Hollywood Canteen, a club that offered entertainment to servicemen on their way to battle, brought many soldiers to tears.)But there wasn’t much of a commercial market for Christmas tunes at the time, so the song disappeared for a while.Publicity photo of American entertainers Judy Garland and Margaret O’Brien from the 1944 feature film Meet Me in St. Louis.Then, in 1957, Frank Sinatra decided to include the song on a Christmas album, A Jolly Christmas.Now it was the crooner’s turn to ask for a tweak in the lyrics — asking Martin if he could rewrite the “Until then we’ll have to muddle through somehow” line, reportedly telling him, “The name of my album is A Jolly Christmas. Do you think you could jolly up that line for me?”Frank Sinatra in 1955Not about to tangle with the mercurial Chairman of the Board, Martin changed the line to a decidedly happier “Hang a shining star upon the highest bough.”Smart move by Sinatra: The upbeat version became the classic so many of us listen to and love today.Over the years, the song has been recorded thousands of times by artists as eclectic as Bing Crosby, Doris Day, Ella Fitzgerald, The Pretenders, James Taylor, Luther Vandross, and heavy metal headbangers Twister Sister.Ella Fitzgerald included the song on her 1960 studio album ‘Ella Wishes You A Swinging Christmas.’Today, people are divided as to which version of the song is better, and, as Martin has noted “half the people sing one line and half sing the other.” Recently, though, some singers have been opting for the sadder sentiment.Read another story from us: The nostalgic classic “A Christmas Story” actually launched a lascivious Leg Lamp wearing a fishnet stockingJames Taylor returned to the song’s original melancholy lyrics after 9/11, releasing the song as a record later in 2001. Whichever rendition, the song — sentimental and, yes, kind of sad — remains a touching and enduring classic.
The CT scanner might not come with protocols that are adequate for each hospital situation, so at Phoenix Children’s Hospital they designed their own protocols, said Dianna Bardo, M.D., director of body MR and co-director of the 3D Innovation Lab at Phoenix Children’s. Sponsored Content | Case Study | Radiation Dose Management | August 13, 2019 The Challenge of Pediatric Radiation Dose Management Radiation dose management is central to child patient safety. Medical imaging plays an increasing role in the accurate… read more News | Interventional Radiology | July 31, 2019 International Multidisciplinary Group Publishes Recommendations for Personalized HCC Treatment With Y90 TheraSphere New consensus recommendations for personalized treatment for hepatocellular carcinoma (HCC) with BTG’s TheraSphere have… read more News | Radiopharmaceuticals and Tracers | August 02, 2019 ASRT Supports Radiopharmaceutical Reimbursement Bill The American Society of Radiologic Technologists (ASRT) announced its support for House Resolution (HR) 3772, a measure… read more Related Content Technology | February 13, 2013 Nuclear Medicine Information Systems and BioDose Rebrand, Relaunch Nuclear Image Dose Management Solution News | PET-CT | August 15, 2019 United Imaging Announces First U.S. Clinical Installation of uExplorer Total-body PET/CT United Imaging announced that its uExplorer total-body positron emission tomography/computed tomography (PET/CT) system… read more News | Radiation Dose Management | July 18, 2019 Low Doses of Radiation Promote Cancer-capable Cells Low doses of radiation equivalent to three computed tomography (CT) scans, which are considered safe, give cancer-… read more News | Radiopharmaceuticals and Tracers | July 16, 2019 NorthStar Medical Radioisotopes Completes Construction on Beloit, Wis. Molybdenum-99 Processing Facility NorthStar Medical Radioisotopes LLC announced completion of construction on its 20,000-square-foot molybdenum-99 (Mo-… read more Feature | Radiation Dose Management | July 15, 2019 | Niki Fitousi, Ph.D., and An Dedulle Can CT Image Truncation Cause False Dose Alerts? One of the main benefits of a radiation dose management system is the possibility to automatically generate alerts when… read more News | Radiopharmaceuticals and Tracers | July 26, 2019 NorthStar Medical Radioisotopes Awarded $30 Million by U.S. Department of Energy NorthStar Medical Radioisotopes LLC has been awarded $15 million in a cooperative agreement with the U.S. Department of… read more News | Radiation Dose Management | July 15, 2019 Mirion Showcases Instadose2 Wireless Dual Detector Dosimeter at AAPM and AHRA Featuring dual detectors, the Instadose2 dosimeter addresses international requirements for independent deep [Hp(10)]… read more Figure 1: Example of an intentionally truncated CT image. The truncation percentage was calculated as the ratio of the patient border touching the field of view to the total patient border (red/(read+blue)). Image courtesy of Qaelum. Technology | Radiation Dose Management | July 11, 2019 Fluke Biomedical Introduces RaySafe 452 Survey Meter Radiation measurement often requires different devices for varying applications, adding to the cost and complexity of… read more February 13, 2013 — Nuclear Medicine Information Systems LLC (NMIS) and BioDose LLC have been renamed and rebranded as ec2 Software Solutions, company officials announced.Somerset, N.J.-based NMIS was established in 1985 to help hospital and nuclear pharmacy administrators manage record keeping for nuclear medicine departments in hospitals and medical clinics specializing in nuclear medicine services. BioDose, based out of Las Vegas, was a 1999 spin-off positioned to help nuclear medicine teams implement and manage software needs in the nuclear medicine industry.Today, the two companies offer industry-leading software solutions that help medical providers navigate the vast and complex administration and regulations of the nuclear medicine industry. The company has approximately 5,500 customers worldwide in hospitals, nuclear pharmacies and out-patient facilities.”As our two companies evolved, it became clear to us that we needed a unified brand and identity,” said CEO Scott Nelson. “We feel that ec2 Software Solutions is a much better way for us to be seen and understood by current and future customers. This rebrand takes our company to a new level.”The company’s software also helps facilities move from paper-based environments to fully-electronic document management systems. Doses, histories, batch records and complete regulatory compliance are accurately managed with ec2’s suite of software solutions. Many software options are available and are customized to meet individual needs.In addition to a new name, ec2 Software Solutions’ rebrand includes a new logo and supporting marketing materials. A new website is also being launched in the spring.”Throughout the years, we have listened to our customers and developed comprehensive solutions for all of their needs,” added Nelson. “As the industry continues to evolve, our technology and software solutions will continue to exceed customer need and expectation.”For more information: www.ec2software.com FacebookTwitterLinkedInPrint分享
Malaysia Airlines this week has signed a new agreement with Tourism Australia to help promote travel to the destination by its travellers under a brand new “Only in Oz” campaign.Exclusive airfares and land-packages will be sold through the airline, and will be targeting those wishing to travel who have never before been to Australia.“We see Malaysia as a very important market for Australia, given its vibrant aviation scene and a young population with a high propensity to travel,” said Maggie White, Tourism Australia Regional General Manager for South/South East Asia and Gulf Countries.“Traditionally, we have seen more Chinese travellers from Malaysia, but the Malay segment is definitely one with huge potential, and we are going to do more to ensure that Australia gets into the consideration set amongst this segment of travellers.”Malaysia is currently the seventh largest inbound market for arrivals to Australia, and in 2009 alone, Australia saw Malaysian 211,500 visitors.Malaysia Airlines will also use the opportunity to help promote its direct services to the five Australian cities of Melbourne, Sydney, Perth, Adelaide and Brisbane. <a href=”http://www.etbtravelnews.global/click/206c2/” target=”_blank”><img src=”http://adsvr.travelads.biz/www/delivery/avw.php?zoneid=10&cb=INSERT_RANDOM_NUMBER_HERE&n=a5c63036″ border=”0″ alt=””></a> Source = e-Travel Blackboard: W.X
Share California-based “”Prospect Mortgage””:https://www.myprospectmortgage.com/ is preparing to welcome a new financial leader. [IMAGE]The lender recently announced 30-year industry veteran Sandra E. Bell as Prospect’s new chief financial officer (CFO).[COLUMN_BREAK]Most recently, Bell has been active in strategic advisory roles, assisting senior executives and private equity investors in evaluating opportunities related to mergers and acquisitions. Bell as also previously served as the CFO for “”PHH Corporation””:http://corporate.phh.com/phoenix.zhtml?c=187859&p=irol-Corporate where she was responsible for the company’s wide-ranging financial operations.””The breadth and depth of Sandra’s experience will be a tremendous asset for us as we continue to grow and diversify the company’s operations,”” said Ron Bergum, Prospect’s CEO.””She is a valuable addition to an already deep and experienced executive management team. We are building a world-class organization and Sandra’s participation further enhances our ability to execute our strategic vision,”” he added.Concluding his statements, Bergum noted, “”We are very pleased and fortunate to add Sandra to our dedicated team. She brings the expertise necessary to help position the Company for the future.”” Prospect Mortgage Welcomes Industry Veteran as CFO November 5, 2012 435 Views in Data, Government, Origination, Secondary Market, Servicing, Technology Agents & Brokers Attorneys & Title Companies Investors Lenders & Servicers Movers & Shakers Processing Service Providers 2012-11-05 Abby Gregory
Share in Daily Dose, News, Origination Many loan origination systems are not satisfying the lenders who are using them, according to a the STRATMOR Group’s Insights report for December 2016.Nearly one-third of lenders surveyed (30 percent) said they were dissatisfied with their current LOS. Approximately 19 percent of lenders said they were actively seeking to replace their LOS, and another 11 percent said they were in the process of replacing their LOS because they were not satisfied with it, despite the disruption to business the replacement of an LOS can cause and the significant resources required for such a change, according to STRATMOR.The share of lenders dissatisfied with their LOS in December was higher than the share reported in December 2015 (28.7 percent).“Last year, the STRATMOR Technology Insight Survey found just over 27 percent of lenders were ‘very satisfied’ with their LOS,” STRATMOR Group Senior Partner Dr. Matt Lind said. “This year, the share who felt this way rose to 28 percent, a very modest increase. However, we find such a low rate of total satisfaction to be indicative of the decidedly mixed—if not downright depressing—results of this year’s survey. The largest group of respondents, 42 percent, indicated that they are just ‘somewhat satisfied.’ While not actively looking to replace their LOS, their responses indicate these lenders aren’t what you’d call ‘raving fans’ either. Over time we would expect many of these lenders to start to actively look for a new system.”Why are these lenders dissatisfied with their systems? STRATMOR may have an idea. What the survey revealed was a correlation between the lender size and the amount of satisfaction (or dissatisfaction) with the LOS. System requirements and maintenance tend to be easier with smaller lenders’ systems since those lenders most often originate out of single channels, whereas larger lenders originate out of multiple channels, making it tougher for those systems to meet the challenge, according to STRATMOR.“As companies grow larger, the demands on the system become more complex in terms of geography and origination channels,” STRATMOR reported. “The system needs of a correspondent lender are very different from that of a retail lender.”Click here to view the entire STRATMOR Group Insights report for December. December 21, 2016 510 Views Many Lenders Say It’s Time for Change Loan Origination Systems Mortgage Lenders 2016-12-21 Seth Welborn
December 15, 2017 665 Views in Daily Dose, Data, Featured, News Despite rising buyer demand and low for-sale inventory causing home prices to rise across the nation, most markets are still healthy, according to CoreLogic’s Market Health Indicator. However, 16 of the top 100 metro markets evaluated, with 10 in Florida alone, have been identified as high-risk markets.In order to determine whether a market is a high, normal, or low risk, the report analyzes several economic factors. The first is a comparison of home prices using CoreLogic’s Home Price Index and the long-run sustainable levels that can be supported by local fundamentals, such as disposable income.“Because most homeowners budget a portion of their income for shelter costs, and these costs are generally related to home prices, there is an established long-term relationship between income levels and home prices,” the report notes.The second factor considered is the appreciation of home prices relative to rents—as renting is an alternative to homeownership—and if home prices veer too far from rents, then it is eventually due for a correction. The final factor is if housing flipping is too high, which causes investors to speculate on short-term price gains and an increase in vacancy rates. According to the analysis, housing bubbles are often accompanied by widespread mortgage fraud.With all of these factors put into place, CoreLogic reports the 16 highest-risk markets of the top 100 metros areas analyzed—with 10 in Florida and six in California, Louisiana, Nevada, and Texas. The list includes: In these top metro areas, home prices have appreciated by more than 40 percent since January 2012—with the exception of Nassau County-Suffolk County, New York and New Orleans-Metairie, Louisiana.When it comes to renting, the data finds that it appreciated less than half of the home price growth. All 16 markets are overvalued on the basis of both price-to-income measures and price-to-rent measures. The chart also shows the national ranking for flipping and fraud risk in these metro areas.“As we can see, most of them have flipping and fraud ranked in the top quantile, indicating short-term speculation as well as a high risk of mortgage fraud, which might lead to another bubble in those areas,” the report notes.To view the full report, click here. CoreLogic HOUSING mortgage 2017-12-15 Nicole Casperson The Top 16 High-Risk Housing Markets Share
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and Hormel’s own $450 million deal last year for Muscle Milk maker CytoSports." "Earlier attempts were made to bribe the Gujarat Congress MLAs. which was attended by 50, D-Fargo.but from a small group of Sikhs” (There is a handful of Sikhs in the US military and perhaps 4000 Muslims) The policy change doesn’t mean Sikhs (or Muslims for that matter) can automatically grow beards or wear turbans on duty It simply gives their commanders the option to let them do so “We’re saying as a department we will accommodate these preferences and religious requirements” Rear Admiral John Kirby the Pentagon’s spokesman said last month “Number two the mission can’t suffer as a result” It is understandable following the horrors of 9/11 that Americans might feel ill will toward Muslims even as the two presidents since then have urged their fellow citizens not to lump jihadists in with the overwhelming majority of peaceful Muslims But rhetorical open season on Muslims has apparently reached a point where in some quarters they’re attacked for efforts they didn’t actually champion In a strange twist Sikhs began pushing for the Pentagon’s tolerance following the terror attacks They knew that “we would continue to be soft targets for hate groups and anti-Muslim groups while still facing the typical racism bullying and job discrimination that has plagued every minority group that has fought for acceptance in America” says Major Kamal Kalsi an Army doctor who has seen service in Afghanistan and won an exemption to keep his unshorn beard and hair and wear a turban before the recent policy change The Pentagon has been criticized for its deference to Muslim sensibilities in recent years especially concerning the case of then-Major Nidal Hasan an Army psychiatrist convicted of killing 13 people in a rampage at Fort Hood Texas in 2009 A military inquiry into the slaughter refrained from citing Hasan’s Muslim religion as a cause and there was a months-long debate over whether or not he could keep a beard that he said he wanted for religious reasons during his court martial A panel of officers found him guilty last August and sentenced him to die; he is now on the military’s death row at Fort Leavenworth Kan,D. Liverpool,Credit: AsiaWire"Despite the big black mole on my face, as to whether we can say it is under control we have to wait and see the outcome of the water spraying operations. That day.
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