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MSC Splendida homeports in Hamburg

first_imgMSC Splendida homeports in HamburgMSC Cruises, the world’s largest privately-owned cruise line, today celebrated the maiden call in Hamburg of MSC Splendida – the most spacious cruise ship with the richest choice of amenities ever to call at Germany’s top cruise port.An indication of MSC Cruises’ increasing investment in the German market, and in Hamburg in particular, MSC Splendida is the first “Fantasia” class ship – the line’s largest and newest class of ships – to be based at the northern German port for a season.MSC Splendida will homeport in Hamburg for the summer season, making 13 sailings around northern Europe, encompassing the British Isles, the Norwegian fjords and Iceland.In addition to featuring the MSC Yacht Club – MSC’s exclusive ship within a ship luxury offering – MSC Splendida offers the most comprehensive range of dining, entertainment and relaxation experiences of any cruise ship ever to serve the German market. Her amenities include 20 bars, six restaurants, five swimming pools – including a large aqua park, 4D cinema, F1 simulator and a variety of wellness, sports, and family options. With 1,637-staterooms, the ship is 137,936 GRT, 1092 feet-long, and 125 feet-wide.MSC Splendida’s arrival in Hamburg was marked by a ceremonial crest exchange between the ship’s Captain, Giuseppe Maresca, and the Harbourmaster of Hamburg, Jörg Pollman, with MSC Cruises Executive Chairman, Pierfrancesco Vago, Hamburg Senator, Frank Horch, and a large international media contingent in attendance.Addressing the event, MSC Cruises Executive Chairman Pierfrancesco Vago said: “Home-porting MSC Splendida – one of our largest and finest ships – here is a natural progression for us, following four years of increasing investment in Hamburg.”He added: “MSC Cruises has already brought around 350,000 vacationers through Hamburg. And this summer MSC Splendida will make 13 sailings – adding more than 100,000 to that total. Our decision to bring MSC Splendida here is rooted in a concrete commitment to this world-class destination.”That commitment began in 2010 when the Company christened MSC Magnifica in Hamburg, dubbed Germany’s “Gateway to the World.” In addition to deploying MSC Splendida from Hamburg, MSC Cruises will this month base MSC Orchestra in Kiel and MSC Sinfonia in Warnemünde, enabling thousands of German and international travellers to discover the Baltic capitals and the rugged coastlines, islands and fjords of Norway. Additionally, MSC Orchestra and MSC Sinfonia will also offer northern European “Grand Tours,” where two back-to-back cruises combine to create one unforgettable 14-night voyage.Source = MSC Cruiseslast_img read more

Wellness tourism lands in NZs adventure capital

first_imgQueenstown One Day Wellness RetreatBlending yoga, Pilates and nutrition with breathtaking views of Queenstown and mouthwatering cocktails and food, the launch of the weekly Queenstown One Day Wellness Retreat has broken the mould of traditional NZ tourism.After breaking her back two years ago, Physiotherapist Caitlin Reid discovered the power of holistic wellbeing; and became determined to share it with others through events and retreats.Over the past three years, Caitlin heard her tourist clientele constantly telling her they felt awful from eating and drinking to excess while on holiday. She was determined to help Queenstown’s huge visiting population find balance during their visits, leading to the launch of the Queenstown One Day Wellness Retreat on 3 July.“Not everyone wants to go bungy jumping when they visit. So many tourists want to explore Queenstown in an unforgettable, healthy way through an experience they don’t get at home. This is the perfect day for those tourists,” says Caitlin.Starting with an energising yoga/Pilates class for all levels and experiences, guests then enjoy mouth-watering chia puddings before engaging in an interactive nutrition workshop. Next they’ll hop in the Skyline gondola and enjoy the full fresh food buffet while gazing at awe-inspiring views of Queenstown.After the gondola ride down, guests relax with a winter workshop to help them learn tips for staying healthy in winter. After zoning out with a calming stretch class and gentle meditation, guests will put their feet up by the fire with a cocktail and canapés at the Jervois Steakhouse Bar.Blending evidence-based health with inspiring wellbeing and Queenstown’s best food and drink, this new tourist attraction is the ultimate day of bliss. The Queenstown One Day Retreat is available every Sunday, based out of Bodyworks NZ, the brand new studio in the Sofitel.All ages (18+) and levels of experience are welcome. Half and full day retreats available. Queenstown Wellness RetreatSource = Aprivé Wellnesslast_img read more

Rockthrowing man arrested in Poort Road

first_imgPolice have arrested a  deranged man  at the corner of Poort Road and Keate Street. The man, dressed in ragged clothes, was throwing rocks and branches into the road and at passing vehicles.Fast-acting police arrived at the scene and took the man into custody. The man did not resist arrest.Police spokesperson Captain Charmaine Struwig, who was at the scene, stressed that the man was not under arrest but taken into protective custody.“He will be transported to the nearest hospital for evaluation,” said Capt Struwig.Police do not arrest people with social or mental disorders; they are instead transported to hospital where they are evaluated and either kept for observation or released. WebsiteWebsiteWebsite WebsiteWebsiteWebsite WebsiteWebsiteWebsitelast_img read more

Saved Great Dane awarded Best Rescue Dog prize

first_imgThe dogs were kept at the kennels for two weeks for observation and treatment. Once they were in a stable condition, they were put up for adoption. Their saving grace appeared in the form of loving homes for each of them. Antony Porrill and his brother decided to adopt the two Great Danes.‘Ember’ is one of them and has now adapted happily to her new home.Antony and his wife Mazz were at the annual Dog-A-Thon with their small pack of dogs. They also have a pedigree Great Dane and a Jack Russell that have taken to Ember very well. Mazz says that “Ember sleeps on the floor right next to Antony every night. She knows he will look after her and sees him as her pack leader.”While at the Dog-A-Thon, Ember was spotted by members of the AACL, but was hardly recognisable as the sad, skinny dog when they first saw her. “She is so shiny and happy now! I’m so glad she is no longer just a sack of bones and that she has a family who love her,” said Annamarie Koen of the AACL.In fact, members of the league were so pleased with the progress Ember has made at her new home that she was awarded the title of ‘Best Rescue Dog’ and got a hamper of prizes to take home. In November last year, the Animal Anti-Cruelty League (AACL) removed two Great Danes that were found in a terrible condition.The AACL received a tip-off from a resident and on inspection, found two black female Great Danes starving and left without water. When they first arrived, the dogs were terrified and weak, and near death due to starvation. As soon as food was placed in front of them, they wolfed it down. Their ribs were sticking out and their coats were dull and full of fleas and ticks. The dogs’ owners had received warnings in the past, and failure to care for their pets resulted in the Great Danes being removed from the property. WebsiteWebsiteWebsite WebsiteWebsiteWebsite WebsiteWebsiteWebsite last_img read more

Victims of crime urged to claim their stolen property

first_imgWebsiteWebsiteWebsite WebsiteWebsiteWebsite WebsiteWebsiteWebsite Ezakheni police are appealing to victims of crime in the area to come forward in order to identify and claim stolen property which may belong to them.The stolen property in question has been recovered over a long period of time and to date, no one has come forward to claim it.If you have been targeted by criminals and believe your property may be among these items, please contact Warrant Officer Tshanini or Warrant Officer Zuke at Ezakheni SAPS for assistance.Proof of ownership will be needed.last_img read more

FIFA World Cup boosted tourism in Brazil

first_imgBrazil, over the course of 2014 welcomed 6,429,852 international tourists, boosted primarily by the FIFA World Cup. This is the first time that the country exceeded the six million mark for foreign entries, with the number of visitors showing a 10.6% increase against 2013 figures.Neighbours, Argentina continues to be the top country for Brazil-bound tourists, with 1,743,930 Argentineans visiting in 2014, which was followed by the United States (656,801) and Chile (336,650).Sao Paulo remained the main port of entry for the country, with 2,219,917 visitors entering through the route. While, Rio de Janeiro was the gateway for 1,597,153 visitors, registering the highest increase in the entry of foreign visitors, with 389,353 more people than in 2013, a 32.2% increase for the period.The data released were a part of the 2015 Annual Report on Tourism Statistics from the Brazilian Ministry of Tourism. The figures revealed that 70.6% of international tourists arrived in Brazil by air and 27.3% travelled by road, with the remainder arriving by boat.“The numbers show that the World Cup was big business for tourism. Now the challenge is to guarantee conditions for the sector to keep growing,” commented the Minister of Tourism, Henrique Alves. “Mega events are excellent catalysts for increasing tourism flows for destinations, but in order to maintain consistent growth, we need to address structural issues and approach tourism with professionalism in Brazil,” he added.last_img read more

Another island of Seychelles switches to solar energy

first_imgSeychelles, a founding member of the International Coalition of Tourism Partners (ICTP), has once again demonstrated its commitment to sustainability and green tourism growth.After the Aldabra Atoll and Aride Island, Cousin became the third island of the Seychelles archipelago to switch entirely from diesel generators to solar power. The island which is seen as a sanctuary dedicated to birds, Cousin is managed by the Nature Seychelles, one of the country’s leading conservation NGOs.The Seychelles Minister for Environment, Energy and Climate Change, Didier Dogley was at hand to see the commissioning of the solar installation and the decommissioning of the generators. He was shown around the location of the solar panels, batteries and inverter by Nature Seychelles’ CEO Dr Nirmal Shah.The cost of the installation is estimated to be around USD 25,000 and the yearly savings in diesel for the generators would provide added cash to use in conservation programs rather than for buying fuel. Nature Seychelles has eight staffs permanently based in Cousin who are engaged in managing the island, collecting data and carrying out scientific studies. The Seychelles government has been encouraging the use of renewable energy and in his recent address on Independence and National Day President Michel announced a variety of additional measures to promote the use of such energy sources. He began a subsidy scheme for solar panels for homes, including solar water heaters, while duty for electric vehicles will be abolished on July 15, and hybrid vehicles will see their import duty reduced to just five percent. More than half of the archipelago’s land territory has been dedicated to conservation and large tracts of the Indian Ocean under the control of the Seychelles are also intended to be set aside as marine conservation areas.last_img read more

Public Policy Expert Joins Interthinx in Washington DC

first_img Share June 6, 2012 497 Views “”Interthinx””:http://www.interthinx.com/ has added a public policy expert to its leadership line up. The company recently announced the appointment of Sharee McKenzie Taylor as Interthinx’s director of industry relations in Washington, D.C.[IMAGE]Joining Interthinx from her previous role as the director of public policy for the “”Mortgage Bankers Association””:htt[://www.mbaa.org/, Taylor will become a part of Ann Fulmer’s Capitol Hill-based team. [COLUMN_BREAK]In her new position, Taylor will focus on expanding Interthinx’s relationships with industry leaders in real estate finance, federal lawmakers, and diverse federal agencies. “”Risk management and regulatory compliance are critical to restoring confidence and achieving a successful housing recovery,”” noted Fulmer, vice president of industry relations for Interthinx. “”Taylor brings a unique blend of skills and experience that will help us monitor and report on regulatory changes and industry trends affecting our clients. I had the pleasure of working with her while she was with the MBA, and I know she’ll bring valuable insights to bear during these challenging times.””Commenting on her decision to accept a role with Interthinx, Taylor noted, “”I’ve had the opportunity to work closely with many companies seeking to help the mortgage industry recover from the downturn. Based on its excellent reputation, I’m excited about the opportunity to join Interthinx. I’m particularly looking forward to increasing the firm’s profile in Washington by working with key policymakers on issues critical to the industry.”” Public Policy Expert Joins Interthinx in Washington, D.C.center_img Agents & Brokers Attorneys & Title Companies Investors Lenders & Servicers Movers & Shakers Processing Service Providers 2012-06-06 Abby Gregory in Data, Government, Origination, Secondary Market, Servicing, Technologylast_img read more

Five Star Economist Forecasts Painfully Slow Improvement

first_imgFive Star Economist Forecasts ‘Painfully Slow Improvement’ December 21, 2012 430 Views No matter how foggy the haze is, economists typically dust off their crystal balls in December. However economic forecasts too often involve driving by looking in a rear-view mirror.[IMAGE]Anticipating what might happen in the housing markets, with so many moving parts involved, can be the trickiest of all forecasts.Because housing is a unique expenditure–combining elements of investment and a service–it depends on a variety of elements: employment, income, interest rates, the regulatory environment, and even the weather. Equally important are demographics and, as with any purchase or investment decision, the cost of alternatives (in this case rental housing). The housing market is complicated further by second homes and investor properties, separate from the investment component of the purchase of a primary residence.The biggest question mark over the housing picture, though, is the fiscal cliff and the on-again, off-again negotiations to avoid a national financial calamity.There is more to the fiscal cliff deadline than just the expiration or continuation of the Bush-era tax rates and the automatic spending cuts Congress agreed to during the debate on increasing the debt ceiling. Indeed, there are two distinct housing related issues: a provision which makes mortgage insurance payments tax deductible and a tax provision which shields forgiven mortgage debt, both of which are set to expire at the end of 2012. The latter kicks in when a bank modifies a mortgage to reduce the principal; when a borrower sells her home in a short sale and the purchase price is less than the outstanding balance on the mortgage; or when a bank waives the portion of the mortgage balance it couldn’t recoup in a foreclosure.If either provision is allowed to expire, the consequences for the housing market could be serious, overshadowing any other forecasts.Then, there are the “”solutions”” to the fiscal cliff as they affect taxes, one of which is to eliminate or drastically reduce the mortgage interest tax deduction, which has the potential to undercut home values with a ripple effect for the rest of the economy. Reduced home values will hit older homeowners who have looked to the investment component of their housing as a comfortable best egg for retirement. Lower values and prices could create some churn in the housing market and benefit buyers, but without “”willing”” sellers, those buyers will be left holding onto their cash. The lower values will also increase foreclosures as more homeowners find themselves underwater (and perhaps without the tax protection for a short sale).Foreclosures and short sales have helped lagging home sales. About 15 percent of existing home sales each month this year have been foreclosed homes and another 11 percent short sales. That said, the trend in home sales has been positive: Existing-home sales averaged 4.65 million per month in the first 11 months of 2012 compared with an average of just under 4.3 million in 2011 and a shade less than 4.2 million per month in 2010. That trend marked a turnaround, as 2010 sales were weaker than 2009, which were in turn weaker than 2008. The last time existing-home sales showed back-to-back year-over-year gains was 2004-5, so home sales have the momentum to continue to improve in 2013.The pattern is not quite the same for new home sales which are on a trajectory to improve in 2012 from 2011–the first year-over-year increase since 2005. To the extent reduced values for existing homes are affected by tax law changes creating a new class of reluctant sellers, homebuilders could benefit as would-be homeowners turn to new, rather than “”used”” homes. There is, however, a price advantage to buying an existing home: The median price of an existing home in 2012 averaged about $175,000, while the median price of a new home averaged just under $239,000. Prices for both would likely drop if the mortgage interest deduction disappears or is reduced, but any cuts to the price of a new home would be strain on builders, so the likelihood new homes sales in 2013 will grow over 2012 remains uncertain.The most positive sign for housing to continue to ramp up in 2013 is the improvement in the labor market, though even those gains require an asterisk.The unemployment rate has been below a still-high 8.0 percent for three straight months and is a full point better than it was in November 2011, but the number of people counted as unemployed has remained stubbornly high. Unemployment averaged over 12.5 million per month in 2012 compared with a monthly average of 8.9 million in 2008, the first full year of the recession. The average shot up to 14.3 million per month in 2009, the year the recession officially ended (according to the Business Cycle Dating Committee of the National Bureau of Economic Research). That the unemployment rate has gone down is a function of arithmetic: The labor force has also come down.Nonetheless, jobs have been returning. Non-far m payrolls averaged 134 million per month during 2012, up from just over 131.5 million per month in 2011 and just under 130 million per month in 2010. In the year before the recession began, the monthly average was 137.6 million. As Wall Street investors would say, the “”trend is your friend,”” and it is positive.That makes it a bit easier for lenders to approve mortgage applications, even in a new post Dodd-Frank world designating some mortgages as “”qualified.”” Recent reports suggest banks are relaxing–or at least no longer tightening–lending standards for residential mortgages. Whether that movement reflects easing or merely the fact that standards could not be tightened any further is up for debate. (Imagine a leaking faucet which you tighten and tighten until the leak stops. That you have stopped tightening it is not the same as loosening.)Perhaps the only constant in the mortgage picture would be interest rates. The Federal Reserve has maintained a low-rate policy it began in December 2008, resulting in record-low rates for mortgage loans. Although the Fed said at its last Federal Open Market Committee meeting it would begin to increase rates if certain benchmarks are reached–an unemployment rate under 6.5 percent and inflation remains in check–its own forecasts show those milestones won’t be hit until at least 2015, meaning low rates will remain in place next year.Taken together, the housing outlook for 2013 suggests a continued, painfully slow improvement, but we’re still a long way from heady pre-recession days. _Hear Mark Lieberman every Friday on P.O.T.U.S. radio, Sirius-XM 124, at 6:40 am and again at 9:40 eastern time._ Sharecenter_img in Data, Government, Origination, Secondary Market, Servicing Agents & Brokers Attorneys & Title Companies Federal Reserve Home Prices Home Sales Home Values Investors Jobs Lenders & Servicers Mortgage Rates Processing Service Providers 2012-12-21 Mark Liebermanlast_img read more

Zillow Trulia Complete Acquisition Deal

first_img Acquisitions Company News Trulia Zillow 2015-02-18 Tory Barringer February 18, 2015 543 Views Days after getting the nod from the Federal Trade Commission, Zillow has finally completed its $2.5 billion acquisition of Trulia, the companies announced jointly Tuesday afternoon.Along with the acquisition, Zillow also announced the launch of Zillow Group, Inc., a family of real estate and home-related brands across the Web and mobile platforms. Besides Trulia, the brand portfolio includes StreetEasy, a real estate marketplace focused on New York City, and rental search brand HotPads. Zillow Group will trade under Zillow’s old ticker symbol, “Z,” and will inherit the company’s trading history.Expressing his excitement for the Trulia acquisition, Zillow Group CEO Spencer Rascoff said the completion of the deal marks a “pivotal day in online real estate.””Each of our brands share a consumer-first philosophy, and our power combination of insights and expertise will drive even greater innovation for consumers, empowering them with essential information they need to make critical financial decisions,” Rascoff said. “Our combination will also enable real estate professionals to more efficiently and easily reach the nation’s largest audience of engaged buyers, sellers and homeowners, and extract even more value from their advertising.”According to the announcement, the acquisition was made in a stock-for-stock transaction valued at $2.5 billion, a figure based on Zillow stock’s closing price on February 17. The deal, first announced last July and approved by shareholders in December, had been put on hold while the Federal Trade Commission investigated it.As a result of the acquisition, the companies eliminated approximately 280 positions, due primarily to redundancies in staffing, they announced. Another 70 positions will be cut by the end of Q2. All affected employees have already been notified.Staying on is Paul Levine, who previously served as Trulia’s CEO and who will now serve as the company’s president. Pete Flint, co-founder and former CEO of Trulia, has joined Zillow Group’s board of directors, as has former Trulia board member Greg Waldorf. Zillow, Trulia Complete Acquisition Dealcenter_img in Headlines, News, Technology Sharelast_img read more

Builder Confidence Reaches Highest Level This Year According to Index

first_img Builders are exuding more confidence in the real estate market as more buyers purchase homes with unwavering certainty. According to the National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index (HMI), builder confidence in the market for newly built, single-family homes in June reached a high of 59. This is an increase of five points from last month and the highest reading this year since September 2014.“Builders are reporting more serious and committed buyers at their job sites and this is reflected in recent government data showing that new-home sales and single-family construction are gaining momentum,” said Tom Woods, NAHB chairman and a home builder from Blue Springs, Missouri.The NAHB/Wells Fargo Housing Market Index is a monthly survey that the organization has been conducting for 30 years, the association said.  The data determines builder perceptions of current single-family home sales and sales expectations for the next six months as “good,” “fair,” or “poor.” The survey also asks builders to rate traffic of prospective buyers as “high to very high,” “average,” or “low to very low.” These scores are used to find a seasonally adjusted index that deems any number over 50 to mean that more builders are in favor of good conditions rather than poor conditions.According to the index, all three HMI components saw healthy gains in June. The component that determines current sales conditions rose seven points to 65, while the component that predicts future sales for the next six months increase six points to 69. The component measuring buyer traffic increased five points to 44.The index also found that the three-month moving averages for regional HMI scores posted increases in every region except the Midwest. The South and Northeast both increased by three points to 60 and 44, respectively. Meanwhile, the West increased by two points to 57 and the Midwest dropped by one point to 54.“The HMI indices measuring current and future sales expectations are at their highest levels since the last quarter of 2005, indicating a growing optimism among builders that housing will continue to strengthen in the months ahead,” said David Crowe, NAHB’s chief economist. “At the same time, builders remain sensitive to consumers’ ability to buy a new home.”Click here to view the complete NAHB/Wells Fargo Housing Market Index. Builder Confidence National Association of Home Builders Wells Fargo Housing Market Index 2015-06-15 Staff Writer Share June 15, 2015 504 Views center_img Builder Confidence Reaches Highest Level This Year, According to Index in Daily Dose, Data, News, Originationlast_img read more

Witnesses at House Committee Hearing Testify of DoddFranks Adverse Effects

first_imgWitnesses at House Committee Hearing Testify of Dodd-Frank’s Adverse Effects Dodd-Frank Act Financial Stability House Financial Services Committee 2015-07-10 Seth Welborn Share Witnesses at a recent House Financial Services Committee hearing testified the Dodd-Frank Act has “reduced financial stability” and made Americans worse off financially in the controversial law’s first five years of existence.The hearing, titled “Dodd-Frank Five Years Later: Are We More Stable?” was the first in a series of three full Committee hearings to examine the impact Dodd-Frank has had on American consumers and the country’s financial system and economy since President Obama signed it in to law in July 2010. The focus of Thursday’s hearing was on how the 400 new regulations enacted in the 2,300-page law is a threat to the country’s financial stability.”What is undebatable is the fact that since the passage of Dodd-Frank the big banks are now bigger; the small banks are now fewer,” Committee Chairman Jeb Hensarling (R-Texas) said in his opening statement at the hearing. “In other words, even more banking assets are now concentrated in the so-called ‘too big to fail’ firms. Pray tell, how does this improve financial stability?”One of the witnesses, Todd Zywicki, Professor of Law at George Mason University and Mercatus Center Senior Scholar, said that American families were not better off five years after Dodd-Frank went into law.”Instead, the overall impact of Dodd-Frank has been to slow our economic recovery, raise prices, reduce choice, and eliminate access to the financial mainstream for American families,” Zywicki said. “And low-income Americans have been hit the hardest.”While supporters of Dodd-Frank say the law has put an end to “too big to fail,” members of the Committee said Dodd-Frank enshrined “too big to fail,” into law, leaving taxpayers exposed to the risk if the economic stability of financial institutions designated as “too big to fail” was to be threatened.  One key takeaway from Thursday’s hearing was that the drafters of Dodd-Frank claimed the financial crisis was caused by a lack of regulation, when in reality financial regulations increased in the decade preceding the recession.”Although a few modest improvements have been made to increase financial stability, I believe Dodd-Frank, no net, has reduced financial stability,” said Mark Calabria, Director of Financial Regulation Studies, Cato Institute, one of the witnesses at the hearing. “The reason for such is a combination of both errors of commission and omission. Moral hazard has been increased by Dodd-Frank’s expansion of the financial safety net and increased concentration of risk into fewer entities, while the primary 18 causes of the crisis were largely left untouched. I fear if we continue along our current path, we are almost certain to see another financial crisis sometime in the next decade.”Another key takeaway from Thursdays hearing is the new bureaucracies borne out of Dodd-Frank such as the Consumer Financial Protection Bureau and the Financial Stability Oversight Council operated without a system of checks and balances yet have the ability to “fundamentally alter” the U.S. economic landscape and affect the financial livelihood of millions of Americans. The “shadow regulatory system” created by Dodd-Frank poses more of a threat to the Americans’ financial well-being than the “shadow banking system” does, as the Obama administration claims,” according to the Committee.The Committee also claimed at the hearing that a key portion of Dodd-Frank, the Volcker Rule, has caused a lack of liquidity in capital markets, which gives them less capacity to deal with economic shocks.”After the bill that was to become Dodd-Frank was reported out of the Conference Committee, Chris Dodd famously said, ‘No one will know until this is actually in place how it works,'” said Paul Atkins, former Commissioner, U.S. Securities and Exchange Commission, a witness at the hearing. “Five years later we still do not know the full effects the Dodd-Frank Act will have on U.S. capital markets. We do know, however, that the costs of Dodd-Frank have been borne not just by Wall Street, but by ordinary investors and businesses of all shapes and sizes.”The second hearing in the series, titled “Dodd-Frank Five Years Later: Are We More Prosperous?” is scheduled for July 28 in the House Financial Services Committee. The date of the third and final hearing in the series, titled “Dodd-Frank Five Years Later: Are We More Free?” will be announced later, according to the Committee.center_img July 10, 2015 474 Views in Daily Dose, Featured, Government, Newslast_img read more

Borrowers Prefer to Mortgage Shop Close to Home

first_img Bank of America Homebuyers Lending Quicken Wells Fargo 2017-03-07 Staff Writer March 7, 2017 640 Views Homebuyers tend to gravitate toward lenders from their home state, a report from Nerdwallet.com shows, as data from the Home Mortgage Disclosure Act shows that local lenders are the preferred lender in 60 percent of cases.The Home Mortgage Disclosure Act collects mortgage transaction data from all 50 states and D.C. In 31 states, local institutions were the top lender. Additionally, home buyers in 22 states, nearly half, use local banks or credit unions for the majority of all mortgages.Nationwide, Wells Fargo was the most commonly used mortgage lender in 2015, the most recent data from the Mortgage Disclosure Act. The second most popular was Quicken, with Bank of America as third. In Texas, where Wells Fargo was the biggest lender, Wells Fargo only originated 4 percent of all loans.Quicken and other non-bank lenders have been on the rise, as reported by MReport. Non-banks are not regulated like banks are since new policies were introduced after the financial crisis, making non-banks currently the top lenders. Quicken’s Rocket Mortgage has given the lender a boost since its launch in 2016. MReport wrote that Quicken Loans makes up 4.9 percent of the market share. Although these non-banks currently dominate the market, top bank Wells Fargo makes up 12.55 percent of total market share.Technology such as Quicken’s Rocket Mortgage makes it easy for groups such as millennials, who are otherwise not buying homes gain access to mortgages. Additionally, Wells Fargo’s yourFirst mortgage program offers assistance and information to younger people who want to buy a home. Accessing the millennial market will inevitably grow the market as a whole.In most states, the average market share for each state’s top lender was a little over 10 percent. In Alaska, top lender and locally-based Residential Mortgage LLC originated 29 percent of the state’s loans. in Daily Dose, News, Originationcenter_img Share Borrowers Prefer to Mortgage Shop Close to Homelast_img read more

Understanding Homeowner Predictions

first_imgUnderstanding Homeowner Predictions Despite the fact that most homeowners believe the the U.S. will enter a recession in the next three years, potential buyers are still looking to close on homes. According to realtor.com, 70 percent of homeowners predict a recession within the next three years, while around 30 percent of those surveyed expect the next recession to begin even sooner, sometime in 2020.Realtor.com also notes that 56 percent of shoppers believe home prices have hit their peak, despite 63 percent of shoppers reporting that home prices are increasing compared to last year.”The U.S. economy has been on a hot streak for the last seven years, producing steady economic growth and low unemployment rates. Historically, this type of growth hasn’t continued indefinitely, and U.S. home shoppers think it will come to an end sooner rather than later,” said Danielle Hale, realtor.com’s Chief Economist.Less than half of respondents, 41 percent, say that the U.S. housing market would fare better than it did in 2008, while another 36 percent it would be worse, and 23 percent expect it to be the same.”When the U.S. enters its next recession, it is unlikely that the housing market will see a sharp nationwide downturn,” Hale added. “The same record low inventory levels that have made buying a home so difficult recently, will likely protect home prices in the next recession.”Homeowners are feeling optimistic: slightly under half, or 45 percent, of home shoppers report feeling slightly more optimistic about homeownership after the 2008 recession, while another 33 percent reported no change in their feelings on homeownership. Just 22 percent report a pessimistic outlook on homeownership.According to realtor.com, the long recovery process following the last recession may be behind the optimism some homeowners are feeling. Fore example, home prices across the U.S. have grown by 49 percent since 2010, while the economy has grown by $3 trillion and added 18.7 million more jobs. March 29, 2019 963 Views in Daily Dose, Data, Featured, Newscenter_img Share Housing Market Realtor.com Recession sales 2019-03-29 Seth Welbornlast_img read more

Housing Outlook—Where Is the Market Headed in 2019

first_img 2019 Housing Market Affordability Metro National Association of Realtors Realtor.com 2019-05-20 Mike Albanese Speakers at the 2019 REALTORS Legislative Meetings and Trade Expo voiced strong expectations for the remainder of 2019, including continued economic expansion, rising home sales, and an increase in wages that are on par with the growth of home prices.Lawrence Yun, Chief Economist at the National Association of Realtors, predicted changing future migration patterns in his 2019 midyear forecast, adding buyers search for more affordable markets. The report states inventory in the U.S. has grown for eight-consecutive months on a year-over-year basis, which Yun expects to continue.Diverting from the recent trend, wage growth and home price growth are more closely aligned as average hourly wages continue to grow.”With strong job creation, wages are growing at a faster pace. Finally, wages and home prices are aligning,” Yun said. “This is good news for employees.”Yun added that this shift is a healthy development toward keeping housing affordability stable.Price differences in the metro markets could cause a shift in relocation, as people and companies will seek more affordable regions of the country, Yun said.”While affordability has been sliding, it is still better than we saw in the year 2000. This is due to much lower mortgage interest rates today,” Yun said.A report earlier this month from realtor.com found that while home prices in suburban areas have increased 57.3% since 2013, they pale in comparison to the 93.4% increase found within major cities.”As more people look to the suburbs for affordability, homes are harder to find there, too,” said Danielle Hale, Chief Economist at realtor.com. “Buyers not willing to go farther out may have to make other trade-offs such as accepting a smaller home or buying a home in need of renovation.”Hale said at the Expo that year-over-year inventory growth will be moderate nationwide, and the company has been listing prices up 6.9% year-over-year in April.”We used to see home price growth only around the coasts, but now we’re seeing it throughout the country. Nationwide there are not enough affordable homes on the market, and those numbers have been declining,” Hale said. Housing Outlook—Where Is the Market Headed in 2019? May 20, 2019 671 Views center_img in Daily Dose, Data, Featured, News Sharelast_img read more

Disaster Relief Bill Stalls in US House of Representatives

first_img Disaster Relief 2019-05-24 Mike Albanese in Daily Dose, Featured, Government, News May 24, 2019 833 Views Sharecenter_img Disaster Relief Bill Stalls in U.S. House of Representatives A bill containing more than $19 billion in aid for disaster relief may not advance to President Donald Trump’s approval after Rep. Chip Roy (R-Texas) objected to the bill on Friday. According to reports, Roy cities the lack of money for the border and the $19 billion price tag for his objections. He also objetece to the measure without all members getting a chance to vote on it.Congress is in recess until June 3, and a vote on the bill appears unlikely.It was reported earlier this month that U.S. Representatives were pushing for the allocation of promised disaster relief aid Texas and other disaster-affected states.U.S. Reps. Randy Weber and Lizzie Fletcher, introduced the Bipartisan Disaster Recovery Funding Act last week, with support from 13 other co-sponsors from Texas, mostly from the Houston area, as well as supporters from other communities waiting on the funding, including Louisiana, South Carolina, Florida and Puerto Rico.The Act directs federal agencies to release the $16 billion in disaster funds Congress approved in early 2018 following Hurricane Harvey to different states and territories—including more than $4 billion to Texas—within 60 days.“After Harvey hit, I fought alongside the Texas delegation to secure additional funds for Harvey survivors,” U.S. Rep. Mike McCaul. “Unfortunately, the agencies tasked with distributing these funds did not respond with the same urgency.”The Five Star Conference will host its Disaster Preparedness Symposium on July 31 in New Orleans, Louisiana. Natural disasters impact investors, service providers, mortgage servicers, government agencies, legal professionals, lenders, property preservation companies, and—most importantly—homeowners.The 2019 Five Star Disaster Preparedness Symposium will include critical conversations on response, reaction and assistance, to ensure the industry is ready to lend the proper support the next time a natural disaster strikes. Please check back for updates on this story.last_img read more

What is driving some of these salaries

first_imgEarlier today Georgia announced that they are paying Sale $400,000 per year as their new offensive line coach. We would never begrudge anyone – player or coach – for taking any money offered to them, especially if it is life-changing money. All of us have expiration dates on our careers, and many will arrive before they are welcomed. Before we go any further, let’s understand one thing: this is article is not about Rob Sale but more about the macro issue, what is driving these salaries.While we don’t know exactly what Sale made at McNeese State last season, we’ve been told it’s in the neighborhood of $60,000 a year. A $250,000 salary would have quadrupled his income and drubbed the non-existent FBS competition Georgia negotiated against to land Sale’s services. A number significantly less than that would have likely gotten Sale to leave McNeese State, but $250,000 to $300,000 is a fair starting salary for an SEC position coach.The $400,000 salary Georgia offered to Sale is 33 percent more than his predecessor (according to the USA Today coaching salary database), new Colorado State offensive coordinator Will Friend. It’s nearly $25,000 more than LSU paid Grimes, a 15-year veteran in the FBS ranks with offensive line coaching experience at Boise State, Arizona State, BYU, Colorado, Auburn and Virginia Tech prior to beating out Sale for a spot on Les Miles’ staff. It’s $30,000 more than Auburn offensive line coach J.B. Grimes, a 30-year coaching veteran.Sale will earn almost the exact same salary than Ohio State’s Ed Warinner, a 22-year veteran of coaching FBS offensive lines and the only two-time FootballScoop Offensive Line Coach of the Year winner. As it stands, Sale will rank below Alabama’s Mario Cristobal, South Carolina’s Shawn Elliott and Arkansas’ Sam Pittman, but ahead of Grimes, Ole Miss’ Matt Luke, Mississippi State’s John Hevesey and Tennessee’s Don Mahoney.Each of the above comparisons have a decade or more of evidence that they can recruit and develop productive offensive lines at the highest level of college football. Sale has none. This is his first FBS full-time on the field job.At the time this all played out, there were no other open Power Five offensive line coaching vacancies east of California. Hard to imagine Georgia felt they had to compete with anyone else for Sale’s services. On top of that, the number of qualified candidates extending interest in the job was surely in the dozens. This isn’t a situation where Georgia had to plop a big number on the table to win Sale’s services or pay up to attract top talent to the job. In fact, it’s the exact opposite.In spite of that, Georgia athletics director Greg McGarity chose to make him the Sam Bradford of offensive line coaches. What were the market factors driving this decision?Georgia and its boosters have made a commitment to push the program over the top, and will spare no expense to get there. I get that. But every budget has its end, and overpaying for Sale is another $100,000 or so that Georgia can’t use to improve its program elsewhere. Again, this isn’t a knock on Sale for taking what was offered. Every one of us would have done the same. But I just don’t understand what was driving the economics behind the offer. When Mike Bobo accepted the head coaching position at Colorado State, there truly never any doubt that he was going to take Georgia’s offensive line coach, and one of his best friends, Will Friend. With the offensive line position open at a fairly secure and storied SEC program, the calls and texts must have poured in to both Mark Richt and Jeremy Pruitt (yes, Pruitt has that much stroke in Athens already).Richt chose to hire Brian Schottenheimer as his new offensive coordinator and then he, Schottenheimer (and, yes, Pruitt) chose to extend an offer to Rob Sale to become their new offensive line coach.A multi-year starter at LSU, Sale spent five years as a member of Nick Saban’s support staff at Alabama, and then coached McNeese State’s offense line for the past two years. Sale was a candidate for the open LSU job that ultimately went to Jeff Grimes last year, and was promoted to co-offensive coordinator at McNeese prior to the 2014 season. He beat out a number of talented applicants for this job. Sale put in his time, he worked hard for, and he earned this job. AD Quality Auto 360p 720p 1080p Sponsored By Connatixlast_img read more

Taking stock of third year coaches

first_imgFox SportsHistory, they say, has a way of repeating itself. Thirty-one FBS programs changed head coaches after the 2012 season and, with 10 openings by Nov. 1, it seems we could be well on our way to matching that number this year. And if we look to the past as our guide, it’s likely many of those same schools we saw change coaches in 2012-13 could appear again in 2015-16.The hiring class of 2013 is now knee deep into their third collective seasons, nearing the 35 game mark. As such, we’ll take the temperature of each coaching tenure at this point in time with an eye toward the future.ACCSteve Addazio, Boston College (17-18, 8-14 ACC): The dude rode running back Andre Williams (2013) and quarterback Tyler Murphy (2014) to a pair of 7-6 seasons, ranking in the top 20 nationally in rushing both years. Both are now gone and the Eagles have plummeted to 74th. As such, BC is 3-6 despite possessing the nation’s fourth-ranked scoring defense. Like many private school coaches, Addazio will play to a system, and the results will vary depending on the depth and experience of players within that system.Dave Doeren, N.C. State (16-17, 4-16 ACC): The progress looks good on paper – 3-9 in 2013, 8-5 a year ago and 5-3 this season with Boston College and Syracuse ahead. But here is the complete list of teams the Wolfpack has beaten under Doeren: Louisiana Tech, Richmond, Central Michigan, Georgia Southern, Old Dominion, South Florida, Presbyterian, Syracuse, Wake Forest, North Carolina, Central Florida, Troy, Eastern Kentucky, Old Dominion, South Alabama, and Wake Forest again. That’s a lot of cotton candy not much meat and potatoes. Scott Shafer, Syracuse (13-20, 6-14 ACC): Shafer went 7-6 and beat Minnesota in the Texas Bowl in his first year as Doug Marrone’s replacement, and has won six times (twice in the ACC) since. This year’s Cuse team ranks 64th in scoring and 85th in scoring defense.Big 12Kliff Kingsbury, Texas Tech (17-17, 8-16 Big 12): Coaching hires often operate on a pendulum, where the new guy has to be everything the last guy wasn’t. And after Tommy Tuberville ended his awkward three-year run by bolting for Cincinnati, Kirby Hocutt went out and found the anti-Tubs: a coach who was hip, modern and, most of all, understood Texas Tech and wanted to be there. Ideally, Kingsbury would bear the torch of Mike Leach’s Air Raid legacy and mold it for the modern times. Problem is, the entire Big 12 can do what Tech does, and Tech doesn’t do what everyone else does. Turnovers have continued to haunt the Red Raiders as they attempt to climb back to the top of the Big 12.Big TenDarrell Hazell, Purdue (6-26, 2-18 Big Ten): The previous numbers speak for themselves. If Purdue moves on from Hazell after this season, his hiring should serve as a case study for coaching changes in the future. After AD Morgan Burke fired Danny Hope after a 6-6 season, he chose Hazell out of Kent State, seemingly the latest product from the MAC Coaching Assembly Line. But Hazell, a long-time Jim Tressel lieutenant at Ohio State, spent just two seasons leading his own program, and the first one ended 5-7. So, essentially, Burke hired Hazell on one good season, a season in which he didn’t recruit the bulk of the roster and he happened to finish fourth nationally in turnover margin.Pac-12Sonny Dykes, California (11-21, 5-18 Pac-12): There was the 1-11 tear-down year, then the 5-7 rebuild year. Now, after a 5-0 start, Cal sits at 5-3 with a likely bowl berth waiting, as long as the Bears can beat Oregon State at home in a couple weeks. The defense has steadily improved – 75th in yards per play allowed after finishing in the 100’s in 2013-14, and the offense is up from 98th in 2013 to 30th in 2015. But will that continue if and when Jared Goff takes the NFL’s money this spring?Mark Helfrich, Oregon (29-7, 18-5 Pac-12): Helfrich’s record is head-and-shoulders above his Power Five peers, and yet he’s the most scrutinized guy on this list. In taking over for Chip Kelly, Helfrich shared a Pac-12 North title in 2013 and reached the national title game in 2014. There’s been the growing pains you’d expect from a first-time head coach (not going outside the program for Nick Alliotti’s replacement is the criticism most heard of Helfrich’s decision making to date) and the dip you’d expect after a generational talent leaves the program. Helfrich has been a steadying hand at a program that values continuity and, while he has yet to lead them to that elusive national title, should keep the Ducks in Pac-12 contention in perpetuity. Is that enough for college football’s preeminent new money program?Mike MacIntyre (10-23, 2-21 Pac-12): There’s no question the program is in better shape now than when MacIntyre arrived. None whatsoever. But there are difficulties to the Colorado job that are never going away. First, the schedule. The Buffs are 4-5, fresh off a close loss at No. 24 UCLA, and still have No. 9 Stanford, surging USC, a trip to improved Washington State and a trip to No. 13 Utah ahead. On top of that, being the Colorado coach requires you to play that schedule while convincing southern California kids to leave southern California and play for you. Can Colorado accept its lot in the Pac-12 South? Can MacIntyre?SECBret Bielema, Arkansas (14-19, 4-16 SEC): After closing last season in borderline erotic fashion, Arkansas couldn’t carry its SEC West sleeper status out of September. Bielema’s bravado is entertaining for sportswriters, and leave his fan base feeling hung out to dry when his bite doesn’t match his bark.Butch Jones, Tennessee (16-17, 7-14 SEC): Jones has righted a lot of Derek Dooley’s wrongs, but this season – particularly early losses to Oklahoma and Florida – has written him a reputation as an aggressive and visionary brand-builder in the offseason, and something decidedly opposite of that on game day. The Vols built a lot of hype to close last season and, with a yellow-brick road in front of him to a possible 9-4 finish to this season, we’ll probably spend this off-season playing the same song on repeat. His team will no longer be young in 2016. Florida is charging hard; 2016 needs to be the time Butch cashes in some of that off-season equity and turn it into demonstrable results.Gus Malzahn, Auburn (24-11, 12-9 SEC): Malzahn’s tenure can be split evenly into two parts, bisected by Laquon Treadwell’s broken leg. After Auburn beat then-No. 3 Ole Miss last season, Malzahn was 19-3 with an SEC championship, a national title berth and another top 10 ranking. Since then he’s 5-8 with wins over a pair of FCS programs, San Jose State, Kentucky and Louisville. So, which is it? Is he coaching’s next superstar and Nick Saban’s Antidote, or is he Gene Chizik in a vest? The truth, as always, is probably somewhere in the middle.Mark Stoops, Kentucky (11-21, 4-18 SEC): This story has already been written so many other times in so many other conferences. Determined to get out of the cellar, Kentucky hires what it believes to be the next best thing and plunges everything it has into being a winner. And, nearly three years later, the team is undeniably better, but its record is not.AmericanMatt Rhule, Temple (15-17, 9-11 AAC): Al Golden and Steve Addazio won some games at Temple. But none had College GameDay and a primetime ABC audience on campus to see the undefeated Owls battle No. 9 Notre Dame. The defense has been great, and the offense is getting there. And best of all, Rhule seems to get Temple and enjoy being there.Willie Taggart, South Florida (10-22, 7-13 AAC): Everything that has happened at Temple over the past three years is what I thought Taggart would bring to South Florida. What seemed like a perfect marriage of coach and program has the two in counseling two-and-a-half seasons later. The Bulls are 4-4 and close at UCF, meaning they’ll need to upset East Carolina, Temple or Cincinnati to reach Taggart’s first bowl game.Tommy Tuberville, Cincinnati (23-11, 15-5 AAC): Tuberville has hired well and a winning program has remained a winning program. Tuberville’s tenure at Cincinnati reminds me of the Underwood marriage in House of Cards, a strategic alliance that has served both well.Conference USASkip Holtz, Louisiana Tech (19-16, 14-7 C-USA): Holtz won Conference USA West last season and is barreling toward another one, provided he can beat Southern Miss in the finale.Sean Kugler, UTEP (12-21, 7-13 C-USA): Kugler is an alum that left an NFL position coaching job to lead this alma mater’s program. He appeared in a bowl game last year. Those two sentences should assuage any concerns during a 3-5 start to this season.Brad Lambert, Charlotte (12-18, 0-5 C-USA): The upstart 49ers are still getting their sea legs in their first Conference USA season. Let’s check back in a couple years.Todd Monken, Southern Miss (10-23, 6-15 C-USA): Did you catch that part about Southern Miss above? Yeah, after winning one game over two seasons and four games over a three-season stretch, Monken has Southern Miss at 6-3 this year and 4-1 in C-USA play. Beat Rice and Old Dominion and the Eagles are in a winner-take-all game for the C-USA West Division at Louisiana Tech on Nov. 28.Ron Turner, Florida International (9-24, 6-15 C-USA): The Panthers are 4-5 this year after a 4-8 finish to 2014, and have Charlotte on Saturday. Which means FIU could win five games without beating an FBS team that won more than four games this year.MACRod Carey, Northern Illinois (28-9, 18-2 MAC): All Carey’s done is win two MAC West titles and one MAC championship, heading into a huge game at Toledo on Tuesday. Did you expect anything less when he was promoted to replace Doeren?P.J. Fleck, Western Michigan (14-19, 11-9 MAC): The Class of 2013’s star pupil, Fleck has Western Michigan in contention for a MAC championship just two seasons after a 1-11 teardown year. A closing stretch of Bowling Green, Northern Illinois and Toledo (the final two on the road) will provide a fantastic picture to how much substance Fleck has to match his style.Paul Haynes, Kent State (9-22, 6-13 MAC): Playing in the MAC’s easier division, the Flashes could quite possibly finish 7-5 this season, representing a massive jump from the six total wins over Haynes’ first two seasons. But, after winning the MAC East in 2012, Kent State is still well behind Bowling Green for divisional supremacy.Mountain WestRon Caragher, San Jose State (13-19, 10-11 MW): Caragher left a winning situation at San Diego and walked into a tough situation in San Jose. The Spartans are 4-4 this year with BYU and Boise State waiting, mean they’ll likely need to sweep Nevada and Hawaii to finish .500.Brian Polian, Nevada (15-18, 9-11 MW): A former assistant of George O’Leary, Charlie Weis, Jim Harbaugh and Kevin Sumlin, Polian picked Nevada as his first job, and is still working through some of the kinks.Matt Wells, Utah State (24-12, 17-4 MW): Wells has successfully carried the torch passed to him from Gary Andersen and, some would argue, improved upon his predecessor’s work. The Aggies, once a dead end program in the middle of nowhere, are in the driver’s seat to play for the Mountain West title this season, one year after winning 10 games with four different quarterbacks.Sun BeltDoug Martin, New Mexico State (5-27, 2-10 Sun Belt): In January, the NCAA is set to approve new rules allowing conferences to hold a championship game with less than 12 teams. Which means the Sun Belt could vote geographic outliers Idaho and New Mexico State out of its membership if it so chooses, and commissioner Karl Benson has alluded his league may do just that. As if the record above wasn’t dire enough, there you go.Trent Miles, Georgia State (3-28, 1-17 Sun Belt): Georgia State doesn’t have the geographic excuse New Mexico State does, and Appalachian State and Georgia Southern have removed any FCS-to-FBS excuse the Panthers could possibly use. Simply put, there’s no reason an FBS program located in downtown Atlanta should win only one in 18 conference games.Paul Petrino, Idaho (5-26, 3-10 Sun Belt): Everything written about Martin and New Mexico State applies here.Scott Satterfield, Appalachian State (18-14, 14-6 Sun Belt): The Mountaineers (and, to be fair, rival Georgia Southern) have shown the proper placement for cart and horse, that a winning culture must first be built before moving to FBS. Satterfield is 10-2 in Sun Belt play and four wins shy of a conference title in Appalachian State’s first season of eligibility for the crown. AD Quality Auto 360p 720p 1080p Sponsored By Connatixlast_img read more

Merry College Football Christmas Your 10Pack of Selection Sunday Nuggets

first_img3. Clemson can do it all. Don’t let the 45-37 final margin deceive you: Clemson manhandled North Carolina on Saturday night. The Tigers out-rushed North Carolina 319-142, held the ball for nearly 39 minutes, achieved 33 first downs, notched drives of 96 and 97 yards, and harassed Marquise Williams into throwing incomplete on 22 of his 33 passes.Dabo Swinney’s team has been on the No. 1 line every week of the season to date, and they’ll be so again Sunday morning.4. Alabama can’t do it all, but it’s really, really good at what it does do. Jake Coker is not A.J. McCarron, Greg McElroy, John Parker Wilson or even Blake Sims. That’s partly because he doesn’t have a Julio Jones or Amari Cooper to catch his passes.But forget about what the Tide doesn’t have, because here’s what it does have: the best front seven and best running back in college football.Alabama enters the Playoff as the best run defense on both a per game (74 yards) and per carry (2.38) basis. Kirby Smart’s defense has recorded 46 sacks, most in college football and third-most on a per game basis (3.54), and its 8.69 plays of 10-plus yards allowed per game are the fewest in college football. Alabama also sits in the top 10 in tackles for loss and third down defense.On the other side of the ball, Derrick Henry’s 1,986 rushing yards and 23 touchdowns are more than any other player in the game. And there’s a strong chance he’ll enter the Playoff with something else no one else has: the Heisman Trophy.So, yes, Oklahoma can throw the ball better. Clemson is more well-rounded. Michigan State has more late game mettle. But none of those advantages will matter if they don’t first rectify themselves with Henry and Alabama’s front seven.5. About that Heisman Trophy. The official mission of the Heisman Trophy reads, “The Heisman Memorial Trophy annually recognizes the outstanding college football player whose performance best exhibits the pursuit of excellence with integrity.”What that in mind, consider Christian McCaffrey’s statistics in Stanford’s 41-22 victory over USC on Saturday night: 32 carries for 207 yards and one touchdown, four receptions for 105 yards and one touchdown, 120 kickoff return yards, 29 punt return yards and an 11-yard touchdown pass to boot. His 461 all-purpose yards on the night and 3,496 this season were enough to break Barry Sanders’ 27-year-old FBS single-season all-purpose yardage record.There are better running backs in college football. Better receivers, punt returners and kick returners, too. But how can one argue there’s a better college football player than Christian McCaffrey?5a. The frustration of watching McCaffrey run wild created an awkward situation in the Levi’s Stadium press box.Profanity in #USC coaches box as Wright gains 9 for #Stanford— InsideUSC (@InsideUSC) December 6, 2015 6. The powers that be must spend their off-season improving college football’s officiating. With 1:13 remaining and all three timeouts in its back pocket, North Carolina recovered an onside kick that would have given the Heels the ball at midfield needing only a touchdown and a two-point conversion to force Clemson into overtime.But North Carolina was called offsides on a play where, clearly, no one was offsides. One of the #USC coaches continues to scream the F word over and over. It sounds like Justin Wilcox. This is getting weird.— Ryan Abraham (@insidetroy) December 6, 2015 A #USC official just went to coaches’ box to tell them profanity can easily be heard through walls— InsideUSC (@InsideUSC) December 6, 2015 .@UHCougarFB AD Hunter Yurachek: “This is the return of Houston football to national prominence.” pic.twitter.com/BHV7lFUmVF— Mark Berman (@MarkBermanFox26) December 5, 2015In the state of Texas there are 20 Division I football programs spread across seven conferences. Only Herman’s Cougars won theirs.8. The Nuggets’ official New Year’s Six projections.Orange Bowl: No. 1 Clemson vs. No. 4 OklahomaCotton Bowl: No. 2 Alabama vs. No. 3 Michigan StateRose Bowl: Stanford vs. IowaSugar Bowl: Oklahoma State vs. Ole MissFiesta Bowl: Ohio State vs. Notre DamePeach Bowl: Florida State vs. HoustonAnd, for the record, The Nuggets’ non-existent Heisman ballot.1. Christian McCaffrey2. Derrick Henry3. Deshaun WatsonWith special shoutouts included for Dalvin Cook, Trevone Boykin, Josh Doctson, Corey Coleman and Baker Mayfield.9. The play of the season, and perhaps the decade. Here’s the situation: your team leads 14-9. Your defense is rocking, with three straight three-and-outs with a cumulative minus-9 yards of offense in those nine plays. It’s 4th-and-15. You’re a punter. What do you do? You punt the football.Here’s what Clemson punter Andy Teasdall did.Again, it’s not fourth-and-1, it’s fourth-and-15. FOURTH AND FIFTEEN! Poor Teasdall even made Dabo Swinney go un-Christian on him. Dabo: “My punter – I don’t have an explanation – just decided to do something on his own & put us in a bad spot and it cost us a touchdown.”— Howie Lindsey (@howielindsey) December 6, 2015Andy Teasdall is my new hero, and should be yours, too.10. Odds and Ends.a. Congrats to Dino Babers, who leaves Bowling Green after two seasons with 18 wins and a MAC championship with a 34-14 destruction of Northern Illinois on Friday night. The Falcons have scored 28 points or more in 14 straight games dating back to last season.b. On Sept. 27, Rocky Long and his San Diego State staff arrived at work at 1-3, losers of three straight. On Saturday night they hoisted a trophy as Mountain West champions, winners of nine straight games. The Aztecs fought back from three different deficits to fend off Air Force, 27-24.c. From Oct 17 to the three minute mark of the second quarter Saturday, Southern Miss was on a 310-105 scoring run. They were winners of six straight and appeared headed to a seventh. Then Western Kentucky woke up. The Hilltoppers tied the game by halftime and 38 of the game’s final 45 points on their way to a 45-28 win and a Conference USA championship.d. It didn’t come in a conference title game, but Arkansas State clinched its fourth Sun Belt title in five years with a 55-17 thumping of Texas State.e. “Impossible.” That’s the only word I, or anyone else, would’ve used heading into this season upon learning Texas would beat Oklahoma and Baylor — both away from Austin — and still miss a bowl. Charlie Strong’s Horns beat the Sooners and Bears by a combined 47-34… and got outscored 150-30 in their four remaining games away from Austin. Texas shutout Baylor (led by its fourth-string quarterback Lynx Hawthorne) in the first half, then allowed the Bears to accumulate the bulk of their 66 rushes for 395 yards in the second half. A week after it ran for 403 yards and lost, Texas allowed 395 rushing yards and won.That string of facts seemingly can not exist, and yet here it is. Texas will be one of the most-curiously-watched college football teams in 2016.f. A congratulations are in order for Trent Miles and Georgia State. The Panthers entered this season without an FBS victory to their credit and entered their Nov. 14 trip to Texas State at 2-6. But the Panthers won that game, then beat South Alabama, then beat Troy and on Saturday went down to Statesboro and whipped rival Georgia Southern 34-7. An four-game winning streak by an average of 33-14 sends Georgia State to its first-ever bowl game.g. Three 5-7 teams will play in bowls this winter: Nebraska, Minnesota and San Jose State. Feel free to hiss in their general directions.h. Remember way back in August when North Dakota State and Montana kicked off the Division I season with a classic the Grizzlies pulled out in the last minute? Yeah, the Bison got revenge for that on Saturday. Hard. The Bison sent Bob Stitt and company packing with a 37-6 win, and the drive for five heads to its next stop against Northern Iowa next week.i. Let’s take a moment to appreciate the gilded stupidity that is the entire College Football Playoff selection committee process. This is a group of highly accomplished people that willingly flush two days of their impossibly busy weeks straight down their diamond-encrusted toilets, for six straight weeks, all in an effort to produce an entirely meaningless set of rankings.Then, when Championship Weekend arrives and it’s time to get down to real, knuckle-cracking business, they spend their Friday night eating out of a branded watermelon.Our work has begun at @MACSports play begins pic.twitter.com/rrF2iVuhx7— Jeff Long (@jefflongUA) December 5, 2015Then Saturday arrives and they sit in their leather thrones… watching football.I can officially confirm the CFP selection committee is watching games together right… https://t.co/q3Ohf5CZad pic.twitter.com/r3yuCtJ2tF— Heather Dinich (@CFBHeather) December 5, 2015All in an grand effort to accomplish the same thing you and I could do over a single beer.God Bless America.j. And finally…. this will be the final edition of The Nuggets until September. Thanks to all who read along, whether this was your first time or you were a weekly reader. Hopefully this added to your college football weekend routine, and here’s to next season. And even more profanity from #USC coaches’ box— InsideUSC (@InsideUSC) December 6, 2015 Fedora on offsides: I had a chance to look at it, and they missed it.They were wrong. That’s all I’m going to say about it. They were wrong.— Chip Patterson (@Chip_Patterson) December 6, 2015center_img More profanity coming from #USC coaches’ box— InsideUSC (@InsideUSC) December 6, 2015 AD Quality Auto 360p 720p 1080p Sponsored By Connatix Just spoke with UNC AD Bubba Cunningham: “They got it wrong.” He was told on sideline the offside was reviewable. Not sure why it wasn’t.— Dan Wetzel (@DanWetzel) December 6, 2015But it didn’t stop there. Actually, it didn’t start there.After all that, only Texas defensive back Kevin Vaccaro was flagged for unsportsmanlike conduct when, in reality, the only sin he committed was being pushed by a teammate as he attempted to step over Baylor quarterback Lynx Hawthorne.Hawthorne should’ve been flagged for a late hit, as should the Texas player (not Vaccaro) who shoved Hawthorne after the tackle. And both teams deserved flags for unsportsmanlike conduct.But, hey, at least the Big 12 and ACC don’t already have officiating gaffes on their ledgers this season.7. There wasn’t a Playoff spot on the line, but don’t think Temple and Houston didn’t have a lot to play for in the American championship. According to bowl guru Stewart Mandel’s latest projections, the winner of the AAC title game would play in the Peach Bowl opposite Florida State on New Year’s Eve.The loser? They’re playing in dilapidated Tropicana Field at 11 a.m. the day after Christmas in front of (probably) 7,000 people.In real life terms, there may not have been a bigger dichotomy between victory and defeat than that on Saturday.As for the actual game? Houston jumped out to a 24-3 lead and cruised to a 24-13 win. Tom Herman concludes his first regular season as a head coach with a 12-1 record, a conference title and nine wins by double digits.Tom Herman is 50–4 the past four seasons as OC/HC with an undefeated season, a B1G/national title, and now an ACC championship/NY6 bid.— Bryan Fischer (@BryanDFischer) December 5, 2015 Iowa ran just 16 plays after halftime. Michigan State ran 52.— Bryan Fischer (@BryanDFischer) December 6, 2015True freshman L.J. Scott rushed 13 times for 37 yards on the drive, including a final rush that was practically three carries on its own, a second-effort snapshot in history in which he denied the four Hawkeyes who tried to tackle him, extending his right hand straight to Dallas or Miami.1a. For every time you forget Mark Dantonio is one of the elite coaches in this sport, remember this:Mark Dantonio’s coaching record since the start of 2013 is 36-4.— Richard Deitsch (@richarddeitsch) December 6, 2015 Coaches he’s beaten over these last three seasons: Mark Helfrich, James Franklin, David Shaw, Art Briles, Jim Harbaugh and Urban Meyer — twice.2. Oklahoma is in. But you knew that already. FootballScoop secured exclusive footage of the Stoops household on Saturday evening. Credit: Chicago TribuneCollege football’s Christmas morning is upon you. You bound down the stairs in your footy pajamas — you in red, your little brother in green and your sister in pink — turn the corner and set your gaze upon the tree. Except in this version of Christmas, your presents are already open. They are Clemson, wrapped in orange and a warm smile, and Alabama, packaged in crimson and a cold scowl. They are Oklahoma, plopped on the coffee table for a solid week now, and Michigan State, freshly packaged in a shiny, metallic green.You know your presents ahead of time, but the lack of suspense, that paper-ripping drama you live for every year, doesn’t disappoint you, because you know how they arrived in front of you on this day, and that is what matters.1. The drive. Trailing 13-9, Michigan State accepted the ball at its own 18-yard line with nine and a half minutes to play. They would consume all but 27 of the remaining 571 seconds.Needing a touchdown to win the game, Mark Dantonio’s Spartans moved 82 yards in 22 gut-checking plays. No play traveled longer than 16 yards. They would survive two penalties, convert five of six third down tries and one fourth down try. The Spartans sucked away all three Iowa timeouts by running 17 times, including the final 12 plays covering the last 34 yards.last_img read more

Tuesdays One Minute Warm Up

first_img AD Quality Auto 360p 720p 1080p Sponsored By Connatix To get the blood pumping:If you went to bed early last night because you’re still bitter about your bracket being busted, you missed a legendary finish to the UNC v. Villanova national title game.Here’s a quick recap, starting with the floor view of the shotKris Jenkins with the shot of a lifetime https://t.co/CfL9UYWTLK — SportsBlogNewYork (@SportBlogNYC) April 5, 2016As the shot goes up, Jay Wright says “Bang” and exudes swagger…”Bang” he knew that shxt was going in lol… BOSShttps://t.co/yM8VnzmzhF— Claude Banks (@VinLaden2_) April 5, 2016CBS broadcaster Jim Nantz started a national title tradition of his own a few years ago, involving a tie and inspired by his father..@CBSSports broadcaster Jim Nantz gave his tie to @NovaMBB senior Ryan Arcidiacono (@RyArch15). Here’s why…. pic.twitter.com/GRnGdQpxrh— Daniel Gotera (@DTGoteraKHOU) April 5, 2016With college basketball season officially over, the countdown to college football season officially begins. Here’s a look ahead at the week one slate.Won’t be long now. pic.twitter.com/hjzWremrss— Adam Kramer (@KegsnEggs) April 5, 2016Love this 30-second mic’d up session with Washington’s Jimmy LakeCan you take the knowledge from the classroom to the field?! Enjoy the Process…#Dawgs #PurpleReign pic.twitter.com/HMdDB3c4ff— Jimmy Lake (@coachlakeudub) April 5, 2016The quote of the dayhttps://twitter.com/CoachMotto/status/717266812258426880No morning after the title game would be complete without “One Shining Moment”One Shining Moment. https://t.co/lA2hl6uxOo— March Madness TV (@MarchMadnessTV) April 5, 2016last_img read more