Refinances by the Government Sponsored Enterprises (GSEs) Fannie Mae and Freddie Mac increased in December 2017, according to the Fourth Quarter Refinance Report released by the Federal Housing Finance Agency (FHFA) on Wednesday.Together, both the GSEs completed more than 446,295 refinances during the quarter. The report indicated that the increase in refis during the last month of 2017 was on the back of mortgage rates remaining below the levels observed at the beginning of the year. In December, mortgage rates increased to 3.95 percent from 3.92 percent the month before, the report indicated.In December, the GSEs completed 6,309 refinances through the Home Affordable Refinance Program (HARP), representing 1 percent of total refinance volume during the month. After adding the December numbers, the total refinances by Fannie Mae and Freddie Mac through this program from the time of its inception stood at over 3.4 million.According to the report, from inception to December 2017, more than 2.9 million loans refinanced through HARP were for primary residences, 110,562 were for second homes and 462,325 were for investment properties.Over the year, borrowers with loan-to-value ratios greater than 105 percent accounted for 19 percent of the volume of HARP loans. The report indicated that 26 percent of HARP refinances for underwater borrowers were for shorter-term 15- and 20-year mortgages, which build equity faster than traditional 30-year mortgages.Other highlights of the report included:HARP refinances represented five or more percent of total refinances in Nevada and Florida—more than double the two percent of total refinances nationwide over the same period.In December, 5 percent of the loans refinanced through HARP had a loan‐to‐value ratio greater than 125 percent.Borrowers who refinanced through HARP had a lower delinquency rate compared to borrowers eligible for HARP who did not refinance through the program.Nine states and one U.S. territory accounted for over 70 percent of the Nation’s HARP eligible loans with a refinance incentive as of September 30, 2017. February 14, 2018 665 Views Lower Mortgage Rates in November Increase Refis Borrowers Equity Fannie Mae FHFA Freddie Mac HARP loans Mortgage Rates Refinance 2018-02-14 Radhika Ojha in Daily Dose, Featured, News, Secondary Market Share
Freddie Mac Home Home Sales HOUSING Inventory loans mortgage Origination Supply 2018-07-23 Radhika Ojha in Daily Dose, Data, Featured, News Conditions in the country’s low-supply market could slightly improve by the end of the year according to Freddie Mac’s July Forecast released on Monday. The forecast projects new home construction will alleviate some of the current supply shortage, which in turn will increase sales 2.5 percent. That would bring the total to 6.27 million units, counting new and existing homes.Meanwhile, Freddie also expects home prices to grow 6.7 percent.“In most of the country, the healthy U.S. economy and robust labor market fueled considerable interest in buying a home during the busy spring buying season,” the report indicated. At the same time, strengthening demand did not create a boost in sales activity. Listings, the report stated, were scant, while home price growth remained swift and higher mortgage rates squeezed the budget of many would-be buyers.“Home sales have mostly moved sideways for much of the year, but given the sizable demand for buying in most markets, there’s hope for a small breakout in the months ahead,” said Sam Khater Freddie Mac’s chief economist. “Mortgage rates have stabilized in recent months, and in some high-cost markets, price appreciation is showing some signs of easing. If new and existing housing supply can increase meaningfully, sales will follow.”Elsewhere in the report, Freddie found July’s mortgage rates had fallen off as an offshoot of declining long-term Treasury yields. The effect has been behind ongoing investor anxiety surrounding the potential of a long-term global trade war. The 30-year fixed-rate mortgage is forecast to average 4.6 percent this year.Total single-family first-lien mortgage originations are expected to slide around 7 percent this year to $1.69 trillion, driven by decreased refinance activity due to higher borrowing costs, the report indicated, while Freddie expects Gross Domestic Product growth to be 3.4 percent in the second quarter and 2.7 percent for the year. In the meantime, Freddie reported, the U.S. labor market is robust, “which in turn is bringing more people into the workforce, increasing wages and spurring consumer spending and business investment.”Here’s what Freddie Mac’s June Forecast found:The Dual Headwinds Impacting Mortgage Markets July 23, 2018 561 Views Freddie Weighs in on Housing Market Growth Share
As the country celebrates National Women-Owned Small Business (WOSB) Month in October, many such businesses face the question of how can they get certified and win new business, especially in a competitive industry like mortgage finance? On Wednesday, a complementary webinar by the American Mortgage Diversity Council (AMDC) tackled this question as an expert panel discussed how qualifying as a certified WOSB opened up growth opportunities for organizations led by female entrepreneurs.The webinar was presented by the AMDC’s WOSB Affinity Group that is focused on advocating, educating, growing and enabling women businesses to effectively compete and win contracts. Starting the webinar off with some statistics that underlined the importance of WOSB, Heather Beers Burt, Managing Partner, Beers Housing Inc said that even though four out of 10 businesses in the U.S. were women-owned, they accounted for only 8 percent of the private sector. “Let’s continue to grow and support one another,” Burt said.Taking the audience through the qualifications that were needed to be a WOSB, Burt said that the organization should not only meet the small business size standards for the primary NAICS code and contract but should also be 51 percent unconditionally and directly owned by women who are U.S. citizens. The business should also have women managing the day-to-day operations and making its long-term decisions to qualify.”To be eligible to compete for WOSB set-asides or receive sole source awards, you must either be certified by an SBA-approved Third-Party Certifier (TPC) or self-certify with the SBA,” explained Lori Eshoo, President, and CEO, National Tax Search. While self-certification could be found on the certify.sba.gov portal, other TPCs included El Paso Hispanic Chamber of Commerce and the National Women Business Owners Corporation.Reviewing the process and spotlighting the industry-specific organizations that certified WOSBs, the panel spoke about the National Association of Women in Real Estate Business (NAWRB) and the National Association of Women & Minority Owned Law Firms (NAMWOLF).To get certified through NAWRB, Michelle A. Mierzwa, Partner, Wright, Finlay, & Zak explained that the NAWRB offered two categories of certification specific to the housing ecosystem—women-owned businesses and minority women-owned businesses. “To certify through the NAWRB the business must be 51 percent or more woman-owned, managed, and operated; have women business owners who are U.S. citizens or legal resident aliens, and have a business that has technical expertise in the housing ecosystem,” Mierzwa said.NAMWOLF, on the other hand, assists its law firm members in developing strategic alliances, coalitions, and affiliations with corporations, in-house counsel, and other legal trade associations and it certified its members.Taking the audience through the WOSB Federal Contracting Program, Josephine M. Hamel, Managing Attorney, Foreclosure at Heavner, Beyers & Mihlar said that the program enabled the economically disadvantaged WOSBs to compete for federal contracts that are set aside for them in industries where WOSBs are underrepresented. “The program allows set-asides for WOSBs in industries where women-owned small businesses are substantially underrepresented and has designated two sets of industries according to the North American Industry Classification System,” Hamel explained.The panel also discussed some of the best practices for marketing a WOSB to get certified. They included registering through the FBO.gov website, preparing a one-page capability statement outlining the business’ credentials and services, and conducting a marketing letter campaigned to contract officers introducing the company.To view the complete webinar, click here. October 24, 2018 641 Views Celebrating Women-Owned Small Businesses in Daily Dose, Featured, News, Origination AMDC HOUSING mortgage real estate WOSB 2018-10-24 Radhika Ojha Share
2019 Five Star Government Forum Five Star Government Forum FSGF 2019-04-03 David Wharton Ed Delgado and Dr. Benjamin S. Carson on stage at last year’s Five Star Government Forum.On Tuesday, April 23, leaders from numerous government agencies and the mortgage servicing industry will convene at the historic Newseum in Washington, D.C., for the 10th annual Five Star Government Forum (FSGF). This annual gathering is designed to bring together officials making critical decisions on the direction of the housing economy with representatives of the mortgage industry in order to ensure that sensible regulations are in place to protect the industry and the customers that it serves.This year’s Five Star Government Forum will include some of the foremost thought leaders of the industry, as well as representatives from government agencies who are shaping the future of homeownership in this country. Speakers will include:Dr. Benjamin S. Carson, Secretary, U.S. Department of Housing and Urban Development (HUD)The Hon. Brian D. Montgomery, Acting Deputy Secretary and Assistant Secretary for Housing-Federal Housing Commissioner, HUDDanielle Johnson-Kutch, Director, Office of Financial Stability, U.S. Department of the TreasuryMark McArdle, Assistant Director, Mortgage Markets, Consumer Financial Protection BureauMark Palim, VP and Deputy Chief Economist, Fannie MaeLeslie Meaux Pordzik, Acting SVP, Office of Issuer and Portfolio Management, Ginnie MaeSandra Thompson, Deputy Director, Division of Housing Mission and Goals, Federal Housing Finance Agency“The Five Star Government Forum is an important platform for government officials and industry stakeholders to engage in open communication to foster a collaborative working relationship to ensure progress towards a stronger, sustainable housing market,” said Ed Delgado, President and CEO of Five Star Global. “We look forward to hosting Secretary Carson and many other industry leaders at this year’s gathering.”Carson is scheduled to deliver the morning keynote, with Montgomery delivering a keynote later in the afternoon. This year’s agenda features planned discussions surrounding common-sense policy reforms, the state of the industry, policy and regulation updates, risk mitigation, and more.”The Five Star Government Forum represents a rare—and invaluable—opportunity for government and industry leaders to share ideas and insights,” said Marcel Bryar, Founder, Housing Gears, LLC. “We all benefit from the Forum, and the best practices shared there improve policy and compliance.””The Five Star team has put together an all-star lineup for the 10th annual Five Star Government Forum,” said Jodi Gaines, Vice Chair, CRFS. “Simply put, the decision makers and those that can influence impactful change will be in attendance. This forum is too good to miss.”Tim Rood, Chairman of the Collingwood Group, told DS News, “Access to adequate and affordable housing is a bipartisan issue that has reached critical mass. The issue spans socioeconomic and geographic boundaries which can no longer be ignored. The FSGF provides influencers and stakeholders in the developing affordability crisis the forum and opportunity to explore practical solutions for policy makers to consider.”“We value the Forum because it advances the conversation about housing,” said Michael Waldron, Chief Compliance Officer, Bayview Loan Servicing. “It brings together thought leaders on policy, operations, and compliance to share experiences and insight that result in actionable takeaways that add to the evolution of our industry and the manner in which we serve consumers.”Other featured FSGF speakers will include representatives from Altisource; the American Enterprise Institute; Bayview Loan Servicing; the Collingwood Group; CRFS; Experian Consumer Information Services; FICO; Finicity; FinRegLab; Housing Gears, LLC; the Milken Institute; the National Association of Realtors; Treliant, LLC; Trott Law, PC; and the Urban Institute.To register for this year’s Five Star Government Forum, click the banner below. To book a reservation at the Hay-Adams Hotel, the official hotel of FSGF, click here.Editor’s note: The Collingwood Group is a client of the Five Star Institute, the parent company of DS News. in Daily Dose, Featured, Government, journal, News, Servicing Five Star Government Forum to Host Government/Mortgage Leaders Share April 3, 2019 1,004 Views
Chile is reportedly anticipating that U.S. authorities will lift their requirement that blueberries be fumigated by the next season and instead allow the fruit to be exported under a systems approach protocol.The end of restrictions on the entry of blueberries to the United States has been announced for years, but the Agriculture and Livestock Service (SAG) and producers are confident that after five years the change will soon be realized, according to local media La Discusion [in Spanish].The article reported that fumigation has affected the fruit’s competitiveness and quality, especially for organic producers who have been unable to market their berries as such due to this measure.The national director of SAG, Horacio Borquez, who met in Chillan on Thursday with the president of Fedefruta, Jorge Valenzuela, and with leaders of the Ñuble Farmers’ Association, led by Alvaro Gatica, announced that the systems approach should be implemented within the current year.”A system approach procedure, which is now ready, was agreed upon with the United States Department of Agriculture. The next step corresponds to the North American normative process,” he was quoted as saying. Chilean blueberries fetched lower prices in 2018-1 … In December 2013, the U.S. authority required that all shipments of blueberries from the regions of O’Higgins, Maule and Bio Bio (including Ñuble) that arrived in North American ports be fumigated with methyl bromide, after detecting the presence of pests.From that moment the SAG implemented a pest control strategy and the Ministry of Agriculture authorities have held numerous bilateral diplomatic and technical meetings, as well as field inspections, in a bid to lift the restrictions. “We are waiting for news, our technical teams went to the United States less than a month ago and we are waiting for the answer of the analysis that the Americans are performing; I think the systems approach will be working next season for sure,” Borquez was quotas as saying.He said the mechanism involved registering the orchards that can demonstrate that they do not have Lobesia so that they don’t have to fumigate their products. The director of the SAG highlighted the impact this will have on organic producers, who had been unable to market their product as organic due to these restrictions and will now be able to do so again.Alvaro Gatica said he was confident that the restrictions would be lifted this year. Unlike the previous announcements, he said, this formula is better and it’s very advanced.”We feel much more secure, although this does not depend on us or the SAG, but on the United States, and I understand that they are quite advanced with the systems approach, so next season we shouldn’t have to spray our products,” he was quoted as saying. March 14 , 2019 Blueberries in Charts: Finding opportunities in th … Argentine blueberries: Country will be “niche” pla … You might also be interested in South African blueberry industry forecasts soaring …
India pushes back U.S. apple tariff rise date … You might also be interested in Some 112,000MT has been exported to the EU, which includes the U.K., the Netherlands and Germany. Indian exporters had come faced some issues in the middle of the season, with Russia and Sri Lanka demanding pest-free area certificates. According to exporters, containers from India were lying uncleared for weeks in the port of St Petersburg.Bhosale said that the issues had been sorted out, because of which Russia has turned out to be a major market for India this season. Russia is among the largest importers of grapes.The season is likely to continue until mid-April.You will be able to find more information on topics such as this at the inaugural Global Grape Summit, which will take place alongside the London Produce Show and Conference on June 5th, 2019. Please visit www.globalgrapesummit.com. India: Sahyadri Farmer Producer Company leads tabl … India closes table grape season with EU exports up … Avocados “increasingly favored” in India, says IG … Indian table grape growers in the country’s top production state have exported more than 191,000 metric tons (MT) this season, marking a 20% year-on-year rise, The Financial Express reported.In 2016-17, the total exports from the state were around 131,000MT. To date, around 7,480 containers from various grape-growing regions in Maharashtra have been exported, with the Nashik region commanding an 80% share.Maharashtra State Grape Growers Association general-secretary Kailash Bhosale said that the container figures could go up to 8,500 and this could be a record-breaking season for the state. April 05 , 2019
Hotel ReviewMarriottThe Westin Brisbane The newly opened Westin Brisbane brings a touch of resort to the Brisbane CBD without compromising on style and sophistication.While most city properties are catered towards the business traveller, the Westin Brisbane has the perfect balance of business and leisure appeal, making it the ideal choice for your weekend getaway or business needs that can extend into a long weekend.The Westin Brisbane opened its doors in November 2018 with 229 guest rooms, four dining outlets, health and wellness offerings and resort-style facilities. It is located on Mary Street and is part of a mixed-use development called Mary Lane, which will offer an array of vibrant dining venues and stylish residences, in the heart of the central business district.The appealing location means guests are in the dynamic hub of the Brisbane CBD, just minutes from the Queen Street Mall, and in close proximity to many major corporate offices, the Queensland Performing Arts Centre, Botanical Gardens and much more.The PropertyThe Westin Brisbane boasts 229 guest rooms, four dining outlets, health and wellness offerings and resort-style facilities. The best part of this property has to be the outdoor Nautilus pool area with infinity pool, swim up bar and cabana style seating area. You really would not feel like you are in an inner-city hotel with this resort like offering. It is the perfect place to relax for an afternoon drink and cool off from the Queensland heat. The hotel as a whole is tastefully designed with a funky, modern interior that uses local artwork from the surrounding region. Service by all staff members from check in down to room service was impeccable and what you would expect from the Westin standard. Like to stay active even when away from home? Then Westin Brisbane has just the thing as they have partnered with TRX® to provide functional training equipment in WestinWORKOUT™ Fitness Studio.The RoomsBeing a new property, the rooms are immaculate. There are 13 types of rooms starting with the lead in Westin King Room and ranging up to the Premier Suites, which means you are spoilt for choice when deciding what room to take. These also vary on the view offerings – River View or City View. By no means are the rooms small, starting at 36sqm and are packed with everything you need to feel you are staying at a home away from home. A highlight is definitely the unique, award-winning Heavenly Bed with the turn down service including a small bottle of infused relaxing oils of lavender and chamomile called the Sleep Well Lavender Balm. Rub this on your temples or wrists at bedtime and you are sure to have a relaxing sound sleep. There are select Club Rooms that give you access to the Club Lounge and a host of benefitsThe DiningThe Westin Brisbane offers four dinning outlets all with their own unique offering. The Charles’ is an Aviation inspired Jazz Bar that transitions from café during the day to wine to cocktail bar at night. Located on the ground floor and open to the street, it is a great place to have a drink, socialise and watch the city life pass by. Eden’s Table is the hotel’s signature dining venue and offers a live interactive kitchen to provide a truly personalised dining experience. Meals are inspired from locally sourced produce and off the Ocean and Paddock to the plate. If you fancy a bite to eat while relaxing by the pool then head to the Nautilus Pool Bar and cool off with a fresh smoothie or a signature cocktail. This urban oasis’s all-day menu features locally sourced ingredients that fuel guests from sunrise to sunset. Room service is also available 24 hours.Conferencing and EventsThe Westin Brisbane offers a range of spaces for conferencing and events. From intimate meeting rooms to large events such as weddings in the Westin Ballroom (which offers capacity for up to 400 guests). Rest assure your meeting or event will be taken care of thanks to Westin Clutter-Free Meetings, which help planners and guests stay organized and productive. For more information visit https://www.marriott.com/hotels/event-planning/business-meeting/bnewi-the-westin-brisbane/The DetailsAddress – 111 Mary Street, Brisbane, 4000, QLD AustraliaPhone Number – 07 3557 8888Loyalty – Marriot Rewards – https://www.marriott.com/loyalty.mi
What an MLB source said about the D-backs’ trade haul for Greinke The signing of Gay comes at a good time for the Cardinals,as they’ve missed out on other defensive back targetswhile having lost Richard Marshall to the Dolphins earlyin free agency.Gay, 27, has tallied three interceptions over the courseof his five-year career, but picked off two passes in2011, and is a willing tackler, having picked up 247 (205solo) in his career.Gay also fits the mold of what the Cardinals tend to lookfor in a free agent, as he is a player who has not yetreached his full potential as well as a former Steeler.It’s worth noting that Gay was with the Steelers at thesame time current Cardinals defensive coordinator RayHorton was the defensive backs coach, so if anyone knowswhat the 5-foot-10, 190 pound player is like it’s the manwho will be lining him up on defense. Nevada officials reach out to D-backs on potential relocation The Cardinals confirmed the signing, announcing thecontract is for two years. Top Stories 0 Comments Share The Arizona Cardinals got the corner they werelooking for.William Gay, who visited the Cardinals last week,announced Sunday that the two sides have agreed to acntract on his twitter page.I’m going to miss thefinal four to support my girl @natashahastings at #TexasRelays …. O yeah by the way I’m #Birdgang now west coast— william gay (@williamgay22)March25, 2012 D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ Cardinals expect improving Murphy to contribute right away
Grace expects Greinke trade to have emotional impact Top Stories Outside of them, the bulk of Arizona’s starters is considered to be either “average,” “below average” or “poor,” though only receiver Andre Roberts grades out in the latter group. – / 36 The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Former Cardinals kicker Phil Dawson retires Comments Share In a piece meant to judge every team’s starting units, the Cardinals are noted to have just nine players who are above average.Wide receiver Larry Fitzgerald, not surprisingly, is regarded as a “difference maker,” as is defensive end Calais Campbell. Linebacker Daryl Washington and cornerback Patrick Peterson are said to be “high quality,” while quarterback Carson Palmer, running back Rashard Mendenhall, tackle Bobby Massie, linebacker Karlos Dansby and defensive tackle Dan Williams are considered “good.”– I’ve given both Palmer and Mendenhall the benefit of the doubt respectively due to the former working in a more conducive environment, and the latter being healthy.– I’m viewing Bobby Massie more on the second half of his season than the first, but did consider both.– Before Dockett gets an upgrade he needs to show something and not just talk about how badly Ray Horton’s scheme affected him — it hardly slowed Campbell did it? Derrick Hall satisfied with D-backs’ buying and selling The Arizona Cardinals spent an entire offseason trying to remake a roster that won just five games last season.While it’s too early to know for sure, the offense and defense figure to have at least nine new starters compared to the group that finished last season, and the hope is each will present a significant upgrade.But according to ProFootballFocus.com’s Neil Hornsby, the roster is not exactly littered with top-notch talent.
After surprising many with a 10-6 record in 2013, the Arizona Cardinals are now a candidate for regression in 2014, according to ESPN Insider Field Yates.Yates, citing linebacker concerns and the difficult NFC West, projects the Cardinals to finish 7-9 in 2014. The Cardinals recently lost linebacker Daryl Washington to a season-long suspension, leaving an already-thin linebacker corps in rough shape. Karlos Dansby is now a Cleveland Brown, leaving Kevin Minter (one career defensive snap) and Larry Foote (age 33) as projected starters. Minter is a downhill thumper, but unproven. Foote has the instincts and savvy to quarterback a defense, but the range concerns are legitimate. The Cardinals were just 3-6 against teams with winning records in 2013 and play in the best division in the NFL. The depleted linebacker corps certainly hurts Cardinals’ defense, but the team’s schedule is only slightly tougher than last season (.547 opponent win percentage in 2014 vs. .533 in 2013). Derrick Hall satisfied with D-backs’ buying and selling Top Stories Comments Share Former Cardinals kicker Phil Dawson retires Grace expects Greinke trade to have emotional impact
Top Stories The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo The truth is we have zero clue as to what players the Arizona Cardinals will choose in the 2016 NFL Draft.Even if general manager Steve Keim and head coach Bruce Arians wanted to tell us who they were targeting, with them not slated to pick until No. 29 in the first round, there is no way they could know for sure who will even be available to them.However, one thing we all may be able to have an idea of is which players they are at least interested, as evidenced by players they’ve either brought in or visited for private workouts. Granted, a workout does not guarantee a selection, but back in 2014 Bruce Arians visited Blacksburg, Virginia to get a closer look at QB Logan Thomas before the Cardinals ultimately made him their fourth-round pick about a month later. Ohio State quarterback Cardale Jones (12) warms up prior to the Fiesta Bowl NCAA College football game against Notre Dame, Friday, Jan. 1, 2016, in Glendale, Ariz. (AP Photo/Matt York) Comments Share With this in mind, we did our best to keep track of all players the Cardinals have been linked to with regards to visits, and below is what we’ve come up with. Note the team could very well have visited with players not listed — and also had a chance to meet with many of this draft’s prospects during the Scouting Combine in February — so a lack of an extra session does not mean they will not be picked by Arizona over the next few days.QuarterbacksBrandon Doughty – Western KentuckyCardale Jones – Ohio StateDak Prescott – Mississippi StateJeff Driskel – Louisiana TechMike Bercovici – Arizona StatePaxton Lynch – MemphisWide ReceiversDevin Lucien – Arizona StateMoritz Boehringer – Schwäbisch Hall Unicorns (German Football League)Defensive LineRobert Nkemdiche – MississippiDaris Latham – IndianaLinebackerEmmanuel Ogbah – Oklahoma StateElandon Roberts – HoustonDefensive backKevin Byard – Middle Tennessee St. Grace expects Greinke trade to have emotional impact Derrick Hall satisfied with D-backs’ buying and selling Former Cardinals kicker Phil Dawson retires
The latest step in the NFL Draft process is now over, as the Combine wrapped up in Indianapolis earlier this week.With all the 40s run, interviews conducted and Wonderlics completed, it also means a new round of mock drafts to be released.Todd McShay of ESPN released his third mock of the season Wednesday morning, and has the Arizona Cardinals getting their quarterback — UCLA’s Josh Rosen — with the 15th overall pick. 11 Comments Share Derrick Hall satisfied with D-backs’ buying and selling In Indianapolis, Rosen performed well. Peter King of The MMQB wrote that Rosen helped himself immensely during the process, especially in the interview rooms with NFL front office personnel. Former Cardinals kicker Phil Dawson retires UCLA quarterback Josh Rosen warms up before an NCAA college football bowl game against Kansas State, Tuesday, Dec. 26, 2017, in Phoenix. (AP Photo/Rick Scuteri) The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Arizona is tough to predict right now, because of what the Cardinals might do in free agency. If they sign a QB like Keenum, Teddy Bridgewater or another veteran, the Cardinals could go in another direction. If they don’t address the position in free agency, I’m assuming they will trade up for a QB. They would love to get Allen or Darnold, but can they move up that far? If not, I think they try to move up 5-8 spots for Rosen or Mayfield. We can’t project trades, so in this scenario they grab Rosen at No. 15.McShay’s last mock draft, which hit the internet on Feb. 6, had the Cardinals selecting Oklahoma offensive tackle Orlando Brown and had Rosen being selected with the second pick by the New York Giants. Much has changed in the evaluation process since then, apparently. Brown had a disastrous showing at the Combine and has fallen completely out of McShay’s first-round projection, while Rosen has fallen 13 spots as the fourth quarterback off the board.Related LinksArizona Cardinals 2018 Mock Draft TrackerESPN’s McShay has OU’s Brown going to Cardinals in latest mockIn three years at UCLA, Rosen completed nearly 61 percent of his passes for 9.340 yards with 59 touchdowns and 26 interceptions. His best season came in 2017, when he threw for 3,756 yards with 26 touchdowns and 10 picks for a Bruins team that went 6-7 overall. Top Stories Grace expects Greinke trade to have emotional impact
Top Stories Derrick Hall satisfied with D-backs’ buying and selling 25 Comments Share Former Cardinals kicker Phil Dawson retires Grace expects Greinke trade to have emotional impact Related LinksA tale of two halves; Josh Rosen has up-and-down start in road winRapid Reactions: Wilks, Cardinals take home first win of seasonAndre Smith leaves game with hamstring issue against San FranciscoArizona Cardinals defense shines in win over San FranciscoRosen wasted little time getting adjusted to his road settings, finding a wide open Christian Kirk for the 75-yard strike.One pass. One touchdown.The Cardinals moved the ball 75 yards down the field in 10 seconds thanks to Rosen’s arm and Kirk’s legs while San Francisco took more than five minutes off the clock to march down the field.Rosen closed out the first half completing seven of his 13 passes for 140 yards and a touchdown. – / 23 (AP Photo/Ross D. Franklin) The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Both the San Francisco 49ers and Arizona Cardinals moved the ball down the field on their first possessions for touchdowns on Sunday.And while both drives went 75 yards, rookie quarterback Josh Rosen made it look a whole lot easier in his first road start of his career.Not more than 10 seconds after 49ers running back Matt Breida crossed the goal line on a five-yard run, Rosen and the Cardinals responded with a score of their own.
Former Cardinals kicker Phil Dawson retires Hey, wouldn’t you know it, Arizona Cardinals head coach Kliff Kingsbury is a big fan of the team’s No. 1 overall pick quarterback Kyler Murray.“He’s a dynamic talent, a unique talent that I don’t know anybody’s seen when you talk about that combination of runner and passer,” he said. “Being able to start as a polished pocket passer who can throw from different arm angles and be accurate and throw a touch … And then be able to take off and take it 80 (yards) from any snap.” “Just talking to [Oklahoma] coaches, obviously know (Oklahoma head coach) Lincoln (Riley) very well, and hearing the impact he had on that program and the way he handled things sitting behind one of the most prolific players in the history of college football,” he said. “Just waiting his time and being a leader and doing things right — that spoke volumes for the type of young man that he is.” – / 52 Kingsbury’s past relationship with Murray, of course, was the top 2019 NFL Draft storyline both locally and nationally. The two have known each other since Murray was 15 years old.“This is something we talked about for a long time,” Murray said of Kingsbury. “It’s a long time coming. God works in mysterious ways. Me playing for him now, it’s a surreal feeling.”Related LinksCardinals GM Keim to Kyler Murray: ‘We need you to ignite this offense’Arizona Cardinals showed great conviction drafting Kyler MurrayArizona Cardinals pick QB Kyler Murray 1st in 2019 NFL DraftCardinals’ potential Josh Rosen trade partners snap up QBs in draftA large part of Kingsbury’s value as the Cardinals’ head coach was his ability to work with young quarterbacks, most notably Kansas City Chiefs signal-caller Patrick Mahomes and last year’s No. 1 overall pick Baker Mayfield of the Cleveland Browns.Kingsbury was not afraid to step forward Thursday night and tell the media he knows what to look for in a potential superstar under center. But he also admitted that being an NFL coach having the chance to draft Murray required a new lens.“Just trying to step back and see it from a different point of view,” he said. “From everybody else’s eyes, really. I knew what I had thought and seen and been around. I have a pretty good idea for what it looks like.”Kingsbury did his fair share of extra homework, even if he knew Murray well. 5 Comments Share Top Stories The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Grace expects Greinke trade to have emotional impact (Photo by Joe Robbins/Getty Images) Derrick Hall satisfied with D-backs’ buying and selling
Go back to the e-newsletter >Brussels Airlines has launched a new customer programme called Loop, which is available for all flights in the European network of the airline. LOOP is designed for the increasing number of customers that flies Brussels Airlines regularly within Europe and do not receive significant benefits from traditional frequent flyer programmes.In the first nine months of 2015, Brussels Airlines welcomed 5.7 million passengers, which represents a growth of +12.4% and a new record in the history of the company. This growth is a result of a new commercial strategy that the airline introduced in 2014 to strengthen its position in a European market with continuously growing competition.“Customers like our combination of attractive prices and good service. The investments that we have made into our fleet, new destinations and new innovative products are paying off. Today we add another good reason to choose Brussels Airlines, by launching a highly attractive loyalty programme that works for everyone,” said Lars Redeligx, Brussels Airlines Chief Commercial Officer.With LOOP, Brussels Airlines presents a new programme as an addition to the existing Miles & More programme, to offer its customers more advantages. For each euro spent on Brussels Airlines flights (excluding airport taxes), customers receive three LOOPs and travellers can use these points to book new flights.Up to five family members living under the same roof can collect LOOPs together and there are no blackout dates. LOOPs can be used on any European Brussels Airlines flight once the customer has flown five return flights or has earned 5,000 LOOPs. In case the customer does not have enough LOOPs, he or she can pay in part with points, in part with money.“LOOP is one of the most generous loyalty programmes currently on the market. It is built around two principles: Simplicity and allowing customers to get what they want most as fast as possible – a free flight. LOOP is the perfect complement to our already existing Miles & More. With LOOP we now offer more advantages to customers who loyally choose Brussels Airlines but do not necessarily fly every week,” commented Nathalie Erdmanis, Brussels Airlines Vice President Marketing.Customers can simultaneously participate in Miles & More and LOOP, but they do need to choose whether they want to earn LOOPs or Miles & More miles when flying with Brussels Airlines within Europe.Go back to the e-newsletter >
Go back to the e-newsletter“It seems to me that the natural world is the greatest source of excitement; the greatest source of visual beauty; the greatest source of intellectual interest. It is the greatest source of so much in life that makes life worth living.”– Sir David AttenboroughThe Datai Langkawi pays homage to nature in all facets: from environmentally considered architecture designed to echo and be enveloped by the natural surrounds, to indigenous herbs and spices creatively incorporated into restaurant menus, to the spa’s use of rare rainforest ingredients in traditional therapeutic remedies. The Datai Langkawi’s guests encounter nature’s spellbinding beauty and wildlife during a simple stroll around the resort, immersing themselves in nature’s wonders.The Datai Langkawi’s ever-expanding and evolving series of nature excursions, wildlife tours and guest speakers offer a myriad of ways for guests to commune with the resort’s natural surrounds.Nature walks, excursions and adventuresThe island of Langkawi is a true ecological gem, home to Southeast Asia’s first UNESCO Geopark and a fascinating and fragile combination of rainforests, mangroves and beaches, where an abundant and diverse array of flora and fauna flourishes. Developed by the resort’s Resident Naturalist, Irshad Mobarak, and his enthusiastic team, these nature excursions take guests to discover century-old secrets, incomparable beauty, rich wildlife and nature at its adaptive best.Rainforest Awakening – As morning light breaks, the forest awakens to the sights and sounds of birds, monkeys, squirrels and myriad other animals. Guests can join this guided walk to discover a thriving animal kingdom and a treasure trove of medicinal plants on The Datai’s doorstep.Rainforest Afterdark – As night begins to fall, guests can embark on a naturalist-guided exploration to unravel some of the virgin rainforest’s mysteries, its enigmatic animals and their unique calls, including bats, flying squirrels and flying lemurs.UNESCO Geopark Cruise – Guests may explore the Kilim Karst Geoforest Park mangroves, an insular mangrove forest that coexists with magnificent fossil-rich, near-vertical limestone hills that date back 400 million years. Tunnel through caves, identify unique flora and spot eagles, kites, kingfishers, mudskippers, fiddler crabs and monitor lizards.Mangrove Cruise & Swimming – The mangroves make for a wonderful study of survival and adaption, a unique ecosystem that thrives in an environment in constant and dynamic change due to tides. Guests observe white-bellied sea eagles, brahminy kites, herons, mudskippers and monitor lizards; enjoy a home-cooked lunch; and follow a short trail to a jungle pool for a refreshing swim.Kayak & Swimming Adventure – Row with the flow of the mangrove tide at Kubang Badak River, taking in the birdlife and wildlife. Return to shore for a home-cooked lunch, followed by a dip in a secluded stream complete with cascading pool.Jungle Trekking – Explore one of the many jungle trails around the resort. Bespoke hiking tours based on fitness levels and areas of interest, whether bird watching or medicinal plant spotting.Family Trekking – An easy trail through the rainforest that leads to a quiet jungle stream and cascading pool, perfect for families or as a couple’s escape.Birdwatching Walk – Early-rising guests rewarded by a ramble to observe some of the 260 bird species that call the Datai Bay rainforest home.Bird Photography Tours – Guests capture beautiful birds and diverse landscapes through the lens, from lowland broadleaf rainforest and mangrove forests, to reed beds, rice paddies, orchards, scrublands and mudflats.Aside from the beautiful rainforest, The Datai Langkawi’s private Datai Bay is also teeming with fascinating and magnificent wildlife. Guests can join the resident Marine Biologist, Jonathan Chandrasakaran, to participate in the resort’s complimentary shoreline safari for an on-foot oceanic journey of discovery.Beach Walk: Life on the Edge – A complimentary 75-minute excursion to visit nature’s sand castles constructed by the Datai’s beach life and to learn about the habits of different species of fish.Wonders of the Drifting World – The microscopic organisms that fill the oceans are often forgotten, but they are vital to the survival of many organisms on earth, both in the sea and on land. Suitable for children aged six and above, this session sees Jonathan equip his team of mini-mes with small plankton nets, before heading out to collect some microscopic beings from the bay. Once everything has been successfully gathered, his team of intrepid trainee marine biologists examine their findings under a microscope and learn all about them.Fish for the Future – With the amount of fish in the world’s oceans continuing to dwindle, it’s vital that the youth of today learn the importance of sustainable fishing. Suitable for children aged four and above, this fun introductory activity explores the mangrove stream on The Datai’s beach, an important nursery for both freshwater and saltwater fish.Jungle VoicesFor guests eager to ignite their inner naturalist, delve deeper into the secrets and species of the 10 million-year-old rainforest, or discover expert accounts relating to specific wilderness topics, The Datai’s complimentary, weekly nature talks are not to be missed. From a secluded spot near the beach, Resident Naturalist Irshad Mobarak – accompanied by knowledgeable guest speakers – enthral visitors with captivating themes that include potent medicinal and aphrodisiac plants, mysterious nocturnal creatures, bird photography, snake handling, snakes that ‘fly’ and butterflies. Passionate about Langkawi and their chosen field, The Datai Langkawi’s programme of ‘Jungle Voices’ includes:Dr. Ghani, Healer and Herbalist – A Western medical doctor, academic and lecturer, Dr. Ghani felt a calling back to his roots and embarked on a journey of discovery, turning his expertise to Traditional Malay Medicine and the healing power of sacred rainforest plants.Ong Chiang Gaik, Butterfly Lover and Landscape Artist – From growing up surrounded by grey, concrete city walls to designing multi-sensory gardens that enchant with colours and fragrances, humming insects, chirping birds and swarming butterflies, Chiang is an authority on inspired gardens. The island of Langkawi is home to 500 butterfly species. The Datai Langkawi is currently creating a dedicated Butterfly Walk for guests to experience the natural habitat of butterflies.Sofian Zack, Bird Photographer – A self-taught photographer with a passion for nature and birdlife, Sofian has rapidly risen to greatness with his photography displayed in the Kedah State Museum and in the coffee table book ‘Birds of Langkawi Geopark’.Othman Ayeb, The Snake Man – A typical urban kid turned nature guide and ‘snake whisperer’, Othman is a Guinness Book of World Record holder; has been featured in National Geographic Magazine; and has contributed to National Geographic documentaries.Datai Family Escapade PackageRates start from RM1580+ (approximately AU$515 at today’s exchange) and includes overnight accommodation in a Canopy Deluxe room inclusive of daily signature breakfast for two adults and two children, return airport transfers from Langkawi International Airport, complimentary meals for children from the children’s menu, guided children’s activities led by resident marine biologist, guided morning or evening nature walks led by resident naturalist, welcome beverage and cold towel on arrival and in-room amenity, complimentary Wi-Fi, complimentary mini bar (exclusive of alcohol and snacks), complimentary use of non-motorised water sports equipment, and a 3pm late check-out (subject to availability).Rate is per room, per night and valid for a minimum two-night stay for two adults and two children below 12 years. Rate is subject to 10 per cent service charge.Go back to the e-newsletter
Go back to the e-newsletterEtihad Airways has launched its annual global sales campaign, targeted at business and economy class guests, with fares for a wide range of destinations served across the world and available for travel until June 2017.Guests can make the most of this offer over seven days, by booking between 29 August and 4 September 2016.The sale will offer up to 50 per cent off fares to 45 of the world’s most popular destinations from across Europe, Asia, the Middle East, Africa and the Americas. In addition, members of the airline’s loyalty programme, Etihad Guest, will continue to earn miles on all fares in the sale.Daniel Barranger, Senior Vice President of Global Sales at Etihad Airways, said: “We have continued to expand our global network this year and add further aircraft to the fleet, ensuring we have a high-quality product throughout our aircraft and available to the millions of guests who choose to fly with us each year. By including our partner airlines in our new offer, we are providing access to a larger list of destinations and a combined fleet of over 700 aircraft, ensuring we can meet every guest’s personal requirements.”The sale will cover a wider range of cities including those served by the Etihad Airways Partners. With a combined network of over 400 destinations across six continents, the partners provide even greater access across the combined destinations of Etihad Airways, airberlin, Alitalia, Air Serbia, Air Seychelles, Etihad Regional, Jet Airways and NIKI.For the experience of all guests, Etihad Airways continues to invest in world-leading in-flight products throughout its cabins. The airline has pioneered supporting features such as Flying Nannies to assist parents with young children and Economy Smart Seats, specially designed to provide more comfort and legroom. Additions to the airline fleet have seen Airbus 380s serving Abu Dhabi, London, Sydney, Mumbai, New York and Melbourne while Boeing 787 Dreamliner services have been added to cities including Abu Dhabi, Shanghai, Perth and Dusseldorf, with the new aircraft allocated to serve Johannesburg before the end of the year.On the ground, new lounges have opened over the last 12 months in New York, Los Angeles and Melbourne while a flagship First Class Lounge and Spa opened its doors in Abu Dhabi in May.Go back to the e-newsletter
Go back to the enewsletterWaldorf Astoria Hotels & Resorts will soon welcome guests to the heart of the South Malé Atoll with the highly-anticipated opening of Waldorf Astoria Maldives Ithaafushi. Set to debut on 1 July, the all-villa resort spans across three private islands, providing secluded enclaves and a tranquil escape for discerning travellers, complete with a plethora of activities for guests of all generations.Waldorf Astoria Maldives Ithaafushi will offer a sophisticated and serene retreat just 30-minutes from Malé International Airport via the resort’s private yacht. An escape for families and couples in search of space and exclusivity, the resort boasts 122 luxuriously appointed villas, each equipped with a pool and uninterrupted views of the Indian Ocean in its own private enclave. Each reef, beach and overwater villa will open onto an indoor and outdoor deck featuring a swinging daybed, dining gazebo, an infinity pool, in-water lounge and an outdoor shower.Waldorf Astoria Maldives Ithaafushi | 1 Bedroom Overwater Villa BedroomIn line with Waldorf Astoria’s legacy of culinary expertise, Waldorf Astoria Maldives Ithaafushi will offer 11 exceptional, specialty-dining venues. Each venue will deliver distinctive, immersive dining experiences – the variety of which is a first in the Maldives. Guests can enjoy an elevated treetop-dining concept at Terra, featuring spectacular views of the ocean and horizon, as well as exquisite food and wine pairings in a tranquil setting seemingly chiselled out of the face of a boulder at The Rock. Yasmeen will boast authentic Middle Eastern flatbreads and mezzes, impeccably prepared crispy Peking duck fresh out of the first wood-fired oven in the Maldives, and embracing the garden-to-table concept, Glow will serve healthy and holistic cuisine made from the freshest ingredients harvested from the resort’s herb garden. To further elevate Waldorf Astoria Maldives Ithaafushi’s culinary offerings, the hotel will be announcing a partnership with a world-renowned chef and restaurant in the coming weeks.Waldorf Astoria Maldives Ithaafushi | TerraWaldorf Astoria Maldives Ithaafushi | The Rock“As the fifth Waldorf Astoria to open in the region, Waldorf Astoria Maldives Ithaafushi represents a significant milestone in the brand’s continued growth in Asia Pacific following the successful opening of Waldorf Astoria Bangkok last year,” said Daniel Welk, Vice President, Luxury and Lifestyle Group, Asia Pacific, Hilton.“We are extremely proud to bring the brand to a destination as synonymous with luxury as the Maldives, and we look forward to delivering unforgettable experiences that reflect Waldorf Astoria’s unique sense of place and iconic service standards.”For those seeking the ultimate in exclusivity, the Ithaafushi Private Island features a two-bedroom overwater villa as well as a three-bedroom beach villa. The 2,975 square-metre island sanctuary – accessible by yacht – comes complete with a dedicated chef and personal concierge team, as well as its own spa, gym, five swimming pools, entertainment centre and pristine beaches. Two Stella Maris Ocean Villas – accessible only by boat – will also allow discerning guests to enjoy unrivalled privacy. Floor-to-ceiling windows, chef service, a jacuzzi and direct ocean access will make for an unforgettable and memorable escape.Waldorf Astoria Maldives Ithaafushi | SpaFor additional pampering, guests can visit the Waldorf Astoria Spa, comprised of ten idyllic overwater or garden treatment villas, which will offer an extensive menu of treatments and Asian-inspired therapies focusing on relaxation and rebalance. The Waldorf Astoria Young Discovery Park, a water park for young guests, and the Lagoon Pool, are ideal for families looking to enjoy a variety of activities with ease. Other facilities include the beachfront, 40-meter Mirror Pool; the Ocean Pavilion, which will host a range of wellness activities; a fully-equipped fitness centre; and a combined water sport and PADI dive centre.Waldorf Astoria Maldives Ithaafushi | 1 Bedroom Overwater VillaWaldorf Astoria Maldives Ithaafushi will be begin taking bookings from 1 July 2019 and is located at Ithaafushi Island, South Male Atoll, Republic of Maldives.See waldorfastoriamaldives.comLead image: Waldorf Astoria Maldives Ithaafushi | Stella Maris Ocean VillaGo back to the enewsletter
RelatedCarbon Offsetting ExplainedThe problem until recently though is that this area has not been regulated.Green Skies: Environmentally Friendly FlyingSkyscanner investigates flying and the environmentFlexjet launch carbon offsetting schemeA new carbon offsetting scheme has been launched for Flexjet customer flights. Only one in ten flight passengers are willing to change the number of times they fly despite three-quarters accepting that flying contributes to climate change, according to new research.The findings, published on TravelMole.com, involved surveying 487 passengers at Manchester airport – over half of whom said they did not know that carbon offsetting was possible.Almost eight out of ten flight passengers had heard of offsetting schemes, but under 50 percent knew that they could be used to reduce the environmental impacts of their flight.Commenting on the findings, Dr Paul Hooper, the scientist who led the research from Manchester Metropolitan University’s Centre for Air Transport and the Environment, told the website that confusion surrounded the “existence, purpose and methods” of carbon offsetting.”Given that offset schemes are currently voluntary, much more needs to be done to raise awareness of the existence and benefits of such schemes if we want to see greater uptake by passengers,” he said.People can buy carbon offsets for the greenhouse gases they cannot avoid emitting. They enable people to take responsibility for their carbon emissions by paying someone to reduce CO2 in the atmosphere on their behalf. ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map
Large numbers of Brits are expected to book flights to Turkey this year as Istanbul, its largest city, becomes the 2010 European Capital of Culture.This is the prediction from the International Currency Exchange (ICE), which said that the country’s strategic location between Europe and Asia in addition to its “melting pot of cultures” will ensure its popularity.Koko Sarkari, the ICE’s global head, said the Turkish lira was the sixth most ordered currency in May and June last year.”We are already seeing sales of lira up in January 2010 compared to the same time last year, suggesting that Turkey is a hot favourite with UK travellers,” he commented.Mr Sarkari went on to say that a few lira are essential during a cruise along the Bosphorus because they will get you a refreshing glass of traditional apple tea.The ICE recommends that travellers heading to Turkey order their currency online in order to secure the best rates.Earlier this month, the ICE said that flights to the United Arab Emirates had been popular this winter owing to the nation’s appeal as a winter sun destination.ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map RelatedMore Brits book flights to long-haul destinations this half termThere has been a “surge in demand” for overseas currencies as more people book long-haul flights this half term.Flights to Istanbul will be in demand ahead of Capital of Culture 2010 statusFlights to Istanbul will be in demand ahead of Capital of Culture 2010 statusMore Brits could book flights to Iceland last-minuteIceland, Jamaica and Hungary offer the best value for money for British travellers.