‘Echo Wave’ of Forbearance Expirations Predicted

first_img August 7, 2020 1,044 Views Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, News About Author: Andy Beth Miller Related Articles Andy Beth Miller is an experienced freelance editor and writer. Her main focus is travel writing, and when she is not typing away from her computer at her home in the Hawaiian Islands, she is regularly roaming the world as a digital nomad, and loving every minute of it. She has been published in myriad online and print magazines, is a fan of all things outdoors, and finds life (and all of its business, technological, and cultural facets) fascinating in their constant evolution. She is excited to spectate as the world changes, and have a job that allows her to bring a detailed account of those constant shifts to her readers at home and abroad. The Week Ahead: Nearing the Forbearance Exit 2 days ago Black Knight reveals the number of active forbearance plans fell this last week, with more than 75% of loans that are currently in active forbearance facing extension plans.Black Knight, Inc., a leading provider of integrated software, data and analytics solutions, has released the latest findings from the McDash Flash Forbearance Tracker.Indicators point to good news regarding forbearances following a marked decline last week. Specifically, the number of active forbearance plans fell an impressive 101,000 versus last week. Experts attribute this decline in great part to the estimated near half a million plans that were set to expire the last week of July.According to the data, over 75% of loans that are currently in active forbearance had their plans extended. The majority of these extensions were for a time period of three more months, which has led to what experts have dubbed an “echo wave” of forbearance expirations. In order to offer some insight for comparison of how things stood just one month ago, as June launched into its first week, there were almost 2.5 million plans that were due to expire within the next 30 days. Now, when factoring in the usual extensions of three months, that means that there are currently 2.2 million plans which are set to expire come autumn (September). This will cause yet another influx, or “wave,” of forbearance extensions. As such, there is a high probability that removals may be seen as September ends and the market enters into the month of October.Regarding the number of forbearances across investor classes during this past week, those declined in every niche, with the greatest decline being in GSE loans (both by volume and percentage)—the exact statistics of which were -56,0000 and 4%, respectively.As for FHA/VA loans, these experienced their first dip in an entire month, plummeting by 32,000 (-2%). Fast on their heels were portfolio-held and private labeled security loans, which experienced a slightly smaller dip of 13,000 (-1%).With new cases of COVID-19 still on the rise, coupled with the recent expiration of expanded unemployment benefits, uncertainty abounds. Previous: Carson Announces HUD Will Resume Physical Inspections Next: Household Debt Decrease Reflects Pandemic-Related Spending Decline Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Home / Daily Dose / ‘Echo Wave’ of Forbearance Expirations Predicted Demand Propels Home Prices Upward 2 days agocenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Black Knight Forbearance 2020-08-07 Christina Hughes Babb Tagged with: Black Knight Forbearance Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago ‘Echo Wave’ of Forbearance Expirations Predicted Subscribelast_img read more

Organic Gardening

first_imgThe first key to successful pest control is to begin by purchasing healthy, quality plants that are free of insects and diseases. Next, encourage beneficial insects, such as lady beetles, lacewings and certain species of wasps, to stay in your garden. Certain herbaceous plants, such as dill, wild mustards and yarrow, provide shelter and food for these beneficial organisms. Plant these among your vegetables. Choose plants that have varieties with known resistance to diseases and insects as a method of reducing pests. For example, some varieties of tomatoes have been bred to resist certain fungal diseases. Remove and dispose of plant material, such as leaves, branches and fruit, that has fallen to the ground. Reduce the incidence of disease by keeping plant leaves and stems as dry as possible. Use drip irrigation rather than overhead watering to conserve water and reduce the amount of time plants remain wet. When necessary, use organic pesticides. There are several choices available. Botanicals, such as rotenone, pyrethrum and neem oil products, are plant-derived materials.Microbial pesticides that control certain insect pests are formulated from microorganisms or their byproducts. An example is DiPel, which contains a species of bacteria that targets certain caterpillar pests. Minerals, such as sulfur and copper, are the primary organic materials used to control fungal and bacterial diseases. Always remember that even if a product is considered to be organic, it is still a pesticide. Exercise caution when using these products. Some organic pesticides are as toxic as or even more toxic than many synthetic chemical pesticides. There are pros and cons to organic gardening. Understanding the basics of this practice and what it involves will help you succeed in having healthy, productive plants no matter what growing method you follow. Organic gardening has become quite popular among gardeners, but a considerable amount of confusion exists about exactly what it is and what it is not. Organic gardening uses a combination of methods and strategies to produce healthy plants. It also requires a thorough understanding of the ecological relationships among soil, plants and other organisms in the garden. Contrary to popular belief, organic gardening is neither a method of pest control, nor the avoidance of the use of all chemical pesticides. Organic gardening requires a long-term outlook in regard to soil preparation. Developing healthy, fertile soil helps to provide plants with necessary nutrients. Organic gardeners use natural, organic fertilizers and mineral amendments to improve the overall quality and fertility of their garden soil. Most synthetic fertilizers provide nutrients that are immediately available to the plant. However, they do not contribute to the overall health and long-term fertility of the soil. Organic matter in the soil is important because it breaks down and releases nutrients for the plants. It also improves the soil’s water- and nutrient-holding capacity and provides a habitat for beneficial microorganisms. Organic matter in the soil can be increased by the addition of manure, topsoil, peat moss, compost and other suitable materials. last_img read more

Downing excited by Mel appointment

first_img Assistant head coach Downing has done a stellar job steadying the ship since Steve Clarke’s sacking last month and will aim to bow out on a high at St Mary’s, before Spanish coach Mel takes over next week after signing an 18-month contract on Thursday. Albion sit 14th in the Barclays Premier League, four points above the relegation zone, after a creditable run of three draws and a win under the likeable Downing. Press Association “My Spanish is worse,” he said. “It’ll be an interesting time. We’re aware he’ll need some help in terms of translations but football is a ‘universal language’ and we look forward to some different ideas.” The caretaker boss admits Mel’s appointment is a gamble – but no more so than any other. “Any appointment is a gamble, you’re never sure,” he said. “I always look at the positives. There will be new ideas, his own slant on it and it’ll be exciting times.” Mel was an early frontrunner following Clarke’s sacking but reportedly fell from favour due to disagreements over his backroom staff, with the Spaniard apparently keen to bring in his own team while the club wanted Downing and goalkeeping coach Dean Kiely to remain in their roles. The matter appears to have been settled and the pair’s future looks secure, although reports in Spain claim Mel still may bring in his own men in some capacity. “I’m not aware of that,” Downing said. “I know there are rumours flying around but I trust the club to do what they have over the last five or six years. I’m here to support the football club.” Downing will be without full-back Billy Jones again for his last game in charge. Jones has had an operation on a recent injury to his eye while fellow defender Goran Popov (neck) is out. Recent absentees Youssouf Mulumbu and Victor Anichebe are back in training but unlikely to feature. Mel’s appointment is an intriguing one, with the 50-year-old having never worked outside of his native Spain. However, the former Real Betis boss fits Albion’s criteria due to his history as a coach, rather than a traditional British manager, and his reputation for playing attractive football. “It’s exciting times and an appointment that’s gone full circle,” Downing said. “I’m pleased it got settled and there’s someone in place on an 18-month contract, which brings the stability that’s needed. “It’s been unsettling, particularly in the last week with a lot of rumours flying around. The players try to get on with things and I wasn’t sure if I was focusing on the Southampton game or whether the appointment was going to be made earlier.” He added: “I haven’t had chance to meet Pepe yet, I’m going to meet him over the weekend. I’m aware he is going to be at the game against Southampton and then we’ll crack on next week. “I’ve heard good things about the job he did at Real Betis, when he got them up into La Liga and stabilised them. The Spanish press like him. It’s a name I wasn’t aware of until a few weeks ago but he plays exciting, attacking football.” Much will be made of Mel’s reported lack of English but Downing foresees no major problems. Keith Downing is relishing “exciting times” for West Brom as he prepares to hand the reins over to new head coach Pepe Mel after Saturday’s trip to Southampton.last_img read more

Living Legend series with Ras Morgan premieres on Amazon Prime

first_imgNew York, NY January 3, 2019— Aflik TV is one of the largest digital distributors of videos on demand (VOD) bringing us Nollywood movies and other African inspired content. Most recently, Aflik TV produced Living Legend an original series on Amazon Prime, with Ras Denroy Morgan. This series will provide an inside look into one of Jamaica’s legends, musician and producer. The series was created and directed by Akeju.Living Legend: Denroy Morgan aired on January 3 and took an intimate look into the life of Ras Denroy Morgan. Ras Denroy Morgan discussed his journey to becoming a musician and producer, his current projects and his spiritual activism including the decriminalization of the herb. Ras Denroy Morgan was born in Clarendon, Jamaica and has been in the entertainment industry for many years. He started as a musician, then producer and manager; he still maintains these roles. He is also a spiritual activist and shares his spiritual growth. Morgan is a versatile musician some of his hit songs are, “I’ll do Anything for You”, “Sweet Tender Love”, “Africa is Calling”, to name a few. He is the father of Grammy award winning reggae band, Morgan Heritage also known as the “Royal family of reggae”. During his interview he talked about the R & B dance song “I’ll do Anything for You” and how that came about. He also touched on the inspiration for “Africa is Calling”.Morgan said, “Something is always going on in humanity to cause sufferation of our people. Africa is always calling…We have something to offer.” He shared some many other interesting messages in his interview.Akeju, President and CEO of Aflik TV stated, “We want to highlight some of our other work outside of Nollywood movies. We created the Living Legend series; there are some many trailblazers I wanted to create a series to highlight  them. Ras Morgan was selected because of his versatility and he promotes peace, love and family.” This Living Legend series with Ras Morgan was a collaboration with Kofi Bannerman, President of Restless Media. The Aflik TV team is looking forward to future collaborations.About Aflik TVThe company has over 5,000 movies in distribution and over 10,000 in its portfolio. They are one of the largest producers and distributors of Nollywood movies and TV shows. You can view their content on several major video stream platforms such as Amazon, Netflix, itunes, Hulu, and Vudu.last_img read more

‘It’s a blessing’, says Morgan of Puma deal

first_imgJason Morgan, who set a new national record in the discus in 2015, is looking forward to being even better in 2016 and perhaps even win an Olympic medal in Rio this summer.He has reason to be optimistic. Training has been going well, he is working with a team of coaches, and best of all, he has a shoe contract with apparel manufacturer Puma that is expected to run until the end of his career.In other words, things are looking up for the 33-year-old 2014 Commonwealth Games bronze medallist, who in June last year set a national record of 68.19 metres in Pearl, Mississippi.It was the second best throw in the world for 2015.”I am working a part-time job while I train and at this moment, training is going hard and well. I have a set workout plan and different cycles for the season. I also have a couple of great coaches that will assist me on the road to the Rio Olympic Games,” he said. “I have great support and a management team, and it’s a blessing to have Puma as my sponsor.”training in preparationFor the past few years, Morgan has endured great financial difficulty while training in preparation to represent Jamaica. Earnings from his job, plus some financial support from the Jamaica Athletic Administrative Association (JAAA), were not enough to allow him to take care of his family, train, cover medical expenses and travelling to competition.He believes his work ethic and affable personality helped land him the Puma contract, revealing that officials there have told him that they have always admired his will power and hard work, as well as his character.The deal he signed with Puma last December now allows him greater freedom to focus on his preparation for what could be his last Olympic Games.”It’s like a dream come true,” said Morgan of the shoe contract. “They have supported Jamaica’s track and field and the world’s best athletes. They will assist me on the rest of my journey. It’s a blessing to be able to be part of a pioneer brand, and I will continue to inspire and break down barriers, and give young and old people hope to believe in themselves, no matter what the journey.”last_img read more

QPR 2-1 Watford: Highlights of Rangers’ Easter Monday victory

first_imgCharlie Austin scores a late winner for QPR as their play-off place is confirmed.See also:Austin nets winner as QPR seal play-off spotQPR’s Bond plays down Austin injury fearsQPR v Watford player ratingsFollow West London Sport on TwitterFind us on Facebooklast_img

Markets have plenty to consider heading into November report

first_imgShare Facebook Twitter Google + LinkedIn Pinterest By Doug Tenney, Leist MercantileU.S. corn exports continue an alarming trend for reduction this fall. With two months into the September to August marketing year, weekly export inspections with the Monday 11 a.m. ET USDA report have seen numerous weeks of disappointing numbers. Many of those weeks saw corn exports at or below the low end of trader expectations. Typically, weekly corn export loadings have outpaced those of soybeans. However, this has not been the case for much of the summer and fall. At the end of October, corn exports were running 60% behind compared to USDA projecting an 8% drop for the year. Corn exports for 2019-2020 were lowered 150 million bushels with the October report. Since May, USDA projections for corn exports have dropped 375 million bushels for a 16% decline. Strong export competition and higher production from Brazil and Argentina has played a major role in the corn export decline.The Nov. 8 WASDE Report is just around the corner. Supply bulls are hoping for reduced corn production, bringing down ending stocks. Some are suggesting the U.S. corn yield would need to decline three to five bushels per acre for December 2019 CBOT corn to climb above the $4 mark. The October WASDE Report pegged the U.S. corn yield at 168.4 — a tiny increase from September. The trade had been expecting a small decline.Don’t be surprised if this November WASDE Report shows little change in the U.S. corn and soybean yields. While both corn and soybean harvest this fall have lagged behind historical progress, corn especially is behind normal. Maturity levels in the Upper Midwest continue to be behind normal as well. The Dakotas already had a blizzard the second weekend of October. Another snow event the last week of October reached Iowa, Minnesota, and northern Illinois. The Monday 4 p.m. weekly crop progress report for Oct. 28 had the corn harvest at just 41% while the average was 61%. Soybean harvest reached 62% with the average of 78%. Bottom line, many hundreds of millions of bushels of corn and soybean production continue to be at risk with the lagging harvest progress.If you are tired of hearing about the on again, off again progress of the U.S./China trade talks you’d best grab a snack, pillow, and blanket as they are far from concluded. Much of October was about reaching agreement on Phase 1 of a partial trade deal, which potentially would be signed by the presidents of the U.S. and China in mid-November in Chile. It seems the talks themselves are not the only thread being woven into the blanket called a “trade deal.” Late last month Chile removed itself from hosting the APEC (Asian-Pacific Economic Cooperation) Conference. These meetings were to focus on the digital economy, regional connectivity, and women’s role in economic growth. This summit was cancelled on Oct. 30 due to ongoing protests. With that cancellation. even if a trade deal is reached, the signing could not take place. In the following days, the U.S. offered Iowa as a signing location for Phase 1. Remember that Phase 1 is still incomplete — no deal yet at this writing. In September, China cancelled farm visits to Nebraska and Montana which were meant to be part of a goodwill tour. The Iowa invitation could likely be unacceptable due to China’s concerns of security and other factors.Look for U.S. yields to still be unclear and up in the air in spite of the Nov. 8 reports. This means 2019 yields will not be finalized until Jan. 10, 2020.last_img read more

Nesting in Adobe Premiere Pro

first_imgNesting clips in Premiere Pro allows you to use an entire sequence as a clip. When used correctly, nesting clips is a great way to save time and cut down on complexity in your video editing.A common use of nesting in Premiere Pro is to combine a series of short sequences into one master sequence. This is especially useful if you’re working with a long-format project (multiple acts, for instance) or a project that naturally falls into different sections (perhaps a series of interviews). By doing each section in its own nested sequence, the project may become more manageable.Nesting is also useful if you’ve created a series of videos that need to be combined for final delivery. For instance, say you’re working on a project that consists of three unique videos. The client may want you to deliver each stand-alone video, as well as one “master video” that plays each back to back.  Nesting sequences in Premiere Pro into a master sequence would be very handy for this!Assembling Sequences Into a MasterIn this example, I have three sequences in Premiere Pro. They are:Ready for WorkOfficeAfter WorkI select the Ready for Work sequence and drop it onto the New Item icon (highlighted below). This creates a new sequence that matches my setting of the first sequence. I rename this duplicate sequence Master.Opening up the Master sequence, you’ll see the Ready for Work sequence is green (see below). This is a visual sign to signify that it is currently nested. Now, if you want to make changes to Ready for Work while it is nested in the Master sequence , you simply have to double-click it. It will then open it up in its original Premiere Pro sequence.Here’s the clip nested in the Master sequence.And now it’s editable following a simple double-click.Now we’ll drag the the other two sequences into the Master sequence. As these sequences are now nested, they too will appear as clips in the Master sequence.Nesting Clips Already in a SequenceWith nesting, you’re not confined to only bringing sequences into sequences. You can also nest a series of clips in a current sequence to break your edit up into smaller chunks and make it more manageable.To nest clips in your Premiere Pro sequence, first highlight the clips. Then, right-click them and choose Nest. When you do this, these clips are automatically converted into a new sequence.Rename the sequence in the project to something more descriptive than “Nested Sequence 01.” Double-click to step into the nest and work on those clips.Nesting is useful if you want to apply an effect to a group of clips. You can drop an effect onto a nested sequence in a Premiere pro timeline. To modify an effect put on a nested sequence, drag the sequence to the source window. Then, in the source window, adjust the effect settings in the Effects Control panel.Nesting, when used correctly, can be a big timesaver in your post-production workflow. It also helps you stay organized, which, as you know, helps you stay sane.Word to the wise, however — when done haphazardly (misplacing clips in nested sequences, timing issues, etc.), nesting can quickly become a train wreck. As with any aspect of video editing, it pays to be methodical. If you’re going to nest clips or sequences while video editing, make it work for you!Remember, whenever you’ve got a question about video editing, the PremiumBeat blog probably has the answer! Be sure to browse our Premiere Pro, Final Cut Pro X, and After Effects archives for new ways to improve your video editing workflow.Got any Premiere Pro tips to share with the community? Let us know in the comments below!last_img read more

Mattis expected to send hundreds of troops to border

first_img AP, Categories: Local San Diego News, National & International News Mattis expected to send hundreds of troops to border AP FacebookTwittercenter_img WASHINGTON (AP) — Defense Secretary Jim Mattis is expected to sign an order as early as Thursday sending 800 or more troops to the southern border to support the Border Patrol, a U.S. official said.Mattis is responding to a request from President Donald Trump, who says he’s “bringing out the military” to address what he’s calling a national emergency at the border.The U.S. official was not authorized to speak publicly because not all details of the military arrangement had been worked out, and so spoke on condition of anonymity.The additional troops are to provide what one official described as logistical support to the Border Patrol. This would include a variety of things such as vehicles, tents and equipment, and perhaps medical support. It was not immediately clear how many, if any, of the extra troops would be armed. Because they would not be performing law enforcement duties they would not be in violation of the Posse Comitatus Act, which prohibits the federal government from using the armed forces in a domestic police role.There already are about 2,000 National Guard troops assisting at the border under a previous Pentagon arrangement.A small group of Honduran migrants trying to reach the U.S. border walk along train tracks in Trancas Viejas, Veracruz state, Wednesday, Oct. 24, 2018. As a caravan of thousands of Central Americans renewed their slow march toward the U.S. on Wednesday, others chose to travel in smaller groups following routes well-worn by decades of migrants fleeing poverty and violence.(AP Photo/Rebecca Blackwell) October 25, 2018 Posted: October 25, 2018last_img read more