Source = Taj Hotels Resorts and Palaces – The Gateway Resort Pushkar Bypass Ajmer Discover tranquil, soulful Rajasthan at The Gateway Resort PushkarDiscover tranquil, soulful Rajasthan at The Gateway Resort PushkarTaj Hotels Resorts and Palaces has announced the opening of The Gateway Resort Pushkar Bypass Ajmer. The 81-room and suite resort hotel is built in the Rajasthani royal style, complete with beautiful gardens, and offers a tranquil oasis for leisure and business travellers in the heart of the Aravalli Mountains to the north of the city.“Ajmer and Pushkar are two secret jewels in the beautiful state of Rajasthan; they are cities with a rich history stretching back to the Rajputs, Mughals and Marathas and which blends Hindu and Sufi tradition. The 81 rooms and suites at the resort are inspired by this heritage and offer guests the best of Rajasthan whether here for leisure, business or to celebrate special occasions in a stunning destination.” said Nagendra Hada, General Manager, The Gateway Resort Pushkar Bypass AjmerThe hotel’s architecture and design is inspired by the culture and history of Rajasthan; its regal design in typical Rajasthani pink sandstone features private balconies with sit outs and jhoolas (swings) in every room. Inside, Bani Thani art—the local style that has its origins in nearby Kishangarh—provides a window into the area’s cultural past while live performances of Langa folk singers bring Rajasthan to life for guests.From the inviting cool waters of the swimming pool, sunk into the expansive courtyard, guests can drink in the stunning views to the mountains beyond or de-stress in the calming Spa with massage therapies. In-room yoga facilities mean that guests can keep on top of their fitness regime whether on business or leisure.For those on a business schedule, the hotel offers three well-appointed conference and meeting rooms, flexible for diverse event requirements with capacities between 40 and 500 people. The 5000 sq. ft. of banqueting spaces, indoor and outdoor, and its strategic location between Ajmer and Pushkar make the hotel a perfect choice for corporate off-sites, conferences and weddings alike.A visit to Rajasthan would not be complete without sampling the authentic regional home-style delicacies the state is famous for. At the all-day dining restaurant Aravali guests can indulge in specialties including Lal Maas, Dal Baati Churma, Ghewar, Bajre ki Khichdi, Rajasthani Pulao and Gatte ki Sabzi. The Gateway Active Foods menu provides those guests looking for healthier options a tasty but wholesome sample of Rajasthani fare.Its convenient location offers excellent links for those looking to discover this corner of Rajasthan, whether on the spiritual trail of Sufi saint Khwaja Moinuddin Chishti in Ajmer or the Hindu pilgrimage sites of Pushkar, one of India’s oldest cities and the ‘rose garden’ of Rajasthan. Each year in November, Pushkar comes to life for the world’s largest camel fair— Pushkar ka Mela—a major tourist attraction and truly a sight to behold.The Gateway Resort Pushkar Bypass Ajmer is 15km from Ajmer railway station and 140km from Jaipur airport. Pushkar and its attractions are 11km from the resort by road.About The Gateway Hotels and ResortsThe Gateway Hotels & Resorts is a full service upscale hospitality brand in the South Asia region and a part of the Taj Group of Hotels. Designed for the modern nomad, Gateway provides consistent, courteous and crisp service for business and leisure travellers seeking contemporary and refreshing experiences. Keeping in mind those looking for comfort, familiarity and flexibility, the hotels & resorts are divided into 8 zones – Enter, Stay, Hangout, Meet, Work, Workout, Unwind and Explore. 24/7 services such as 24/7 breakfast, 24/7 ‘active studio’ and 24/7 laundry are all designed to cater to guests round-the-clock. Gateway provides welcome perfection through an unrivalled network and innovative cuisine offerings like ‘active food’ – superfoods and low glycemic index foods for the health conscious; regional home-style cuisine; ‘eat-in’ – refreshed in-room dining menus and ‘wake up’ – buffet breakfasts with a range of healthy and indulgent options. Flexible, dynamic and warm service, ‘in-room yoga’ amenities and ‘explore’ packages all make The Gateway Hotels & Resorts sanctuaries that refresh, refuel and renew.About Taj Hotels Resorts and PalacesEstablished in 1902, Taj Hotels Resorts and Palaces is one of Asia’s largest and finest group of hotels, comprising 100 hotels in 63 locations across the globe, including presence in India, North America, United Kingdom, Africa, Middle East, Malaysia, Sri Lanka, Maldives, Bhutan and Nepal. From world-renowned landmarks to modern business hotels, idyllic beach resorts to authentic Grand Palaces, each Taj hotel offers an unrivalled fusion of warm Indian hospitality, world-class service and modern luxury. For over a century, The Taj Mahal Palace, Mumbai, the iconic flagship has set a benchmark for fine living with exquisite refinement, inventiveness and warmth. Taj Hotels Resorts and Palaces is part of the Tata Group, India’s premier business house.
Munich Airport Terminal 2 SatelliteMunich Airport again chosen as Europe’s Best AirportMunich Airport can again enjoy the title of “Europe’s Best Airport” in 2018. The Bavarian hub was selected for the honor in the annual World Airport Awards announced by the respected London-based aviation research institute Skytrax. The announcement was made in a special ceremony on the occasion of the international airport fair “Passenger Terminal EXPO 2018″ in Stockholm. This marks Munich Airport’s 11th first-place finish in this category. The World Airport Awards are based on a global survey of passengers. This year more than 14 million passengers from 100 countries helped Skytrax produce ratings for 550 airports around the world.In the global rankings, Munich took the number one position among airports handling 40–50 million passengers per year, and came sixth among all international airports. Munich Airport’s Terminal 2 achieved an outstanding result again this year, placing second in the World’s Best Terminal category. Among airport hotels, Hilton Munich Airport scored excellent ratings, ranking first in Europe and third worldwide. Munich Airport also placed among the global top 10 for the performance indicators “airport dining experience”, “baggage delivery”, “transit service”, and “entertainment”.Moreover, since 2015, Munich has boasted “Five-star Airport” status – as the only European airport to earn that honor. The five-star designation is awarded through audits conducted by aviation experts with Skytrax.“I’m delighted that our passengers hold Munich Airport in such high regard. These top rankings recognize the outstanding performance of all employees on the airport campus who are committed every day to ensuring that passengers have a very pleasant experience. We are proud of our airport and our staff who work so hard to earn and maintain our airport’s excellent reputation around the world,” said Dr. Michael Kerkloh, the President and CEO of Munich Airport, at the awards ceremony.Source = Munich Airport
Sanctuary Retreats’ top tips for Family safarisSanctuary Retreats’ top tips for Family safarisLooking for something completely different to do with the kids for your next holiday? Well, for families seeking extraordinary adventures off the beaten track, or for those who enjoy the great outdoors and connecting with nature, international luxury travel specialist, Sanctuary Retreats has just the answer.When it comes to keeping enquiring young minds stimulated, an African safari through unspoiled landscapes teeming with extraordinary wildlife is guaranteed to broaden your family’s horizons, and ensure that everyone shares a truly memorable experience.But it’s also important to keep in mind the needs of your littlest travelling companions when booking your trip says Michael McCall, Sanctuary Retreats’ Director of Sales Australia, New Zealand & Asia.Here are Michael’s top tips for parents planning the ultimate African ‘school excursion’ with the family.Choosing the Right Camp“It seems really obvious, but every camp offers up different experiences and accommodation styles. So it’s really worth giving some thought to the level of adventure that your family is expecting before you make a booking. Will the kids enjoy a tented camp or find it a little too rustic? And if your kids are younger, it might also be worth considering whether the camp is fenced – although older children may enjoy hearing larger animals close by during the night, chances are smaller kids might find it a little scary. At our Sanctuary Olonana Camp in Kenya Masai National Park, we offer luxurious tents in a fenced setting to keep everyone in the family happy.“It’s also worth keeping in mind that some National Parks and Reserves are stricter when it comes to driving off-road, which can make viewing animals up close more challenging.”How long?“We generally recommend that families take in 2 – 3 camps and lodges, with a stay of 3 days or longer per camp. That gives everyone plenty of time to get acclimatized and experience the full program of activities on offer at each property, plus a little rest and relaxation in between.”Meeting the locals“Squeezing in some culture or a philanthropic component is also good idea so that your kids have a chance to immerse themselves in local traditions and experiences. For example, at Sanctuary Olonana a visit to the local Maasai village include a variety of activities from mock spear throwing and fire making through to hut building and cattle herding.”Preparing for Game Drives“There’s no standard minimum age for children to go on safari, and camps can differ significantly on how they accommodate younger guests. Some have a strict minimum age for safari, while others leave it up to parental discretion. At Sanctuary Retreats’ camps and lodges, children between the ages of 5 to 11 years can participate on regular game drives at the discretion of the Lodge Manager. Children under five also require the permission of the Lodge Manager, and parents of anyone aged 5 years and younger will also need to book a private safari vehicle to ensure the comfort of both children and other guests.“While we all know how kids can quickly get bored of long car trips, generally speaking, drives in safari vehicles seem to be an exception. Being car sick is not typically a problem, but it’s not a bad idea to prepare for long car trips just as you would at home, and all our camps and lodges are happy to pack snacks for each game drive.”What to Bring?“Regardless of your children’s ages, going on safari is guaranteed to create memories that will last a lifetime. So to keep kids engaged, we definitely recommend bringing along binoculars and a digital camera to capture every moment.” Terms and conditions apply.About Sanctuary RetreatsSanctuary Retreats’ collection of luxury safari lodges and river cruise ships bring the boutique experience to guests with the added promise of authenticity. Each property is completely individual in its design and operated around the philosophy of ‘Luxury, naturally’. All have the same aim: to allow guests to have a “real” experience and enjoy a more natural kind of luxury in properties that have a strong commitment to conservation and responsible tourism. The Sanctuary portfolio includes safari camps and lodges in Botswana, Kenya, South Africa, Tanzania, Uganda and Zambia, as well as river cruise ships on the Nile, the Yangtze and in Myanmar.Source = Sanctuary Retreats
Akansha Pandey | New DelhiGC Ventures recently announced the launch of their new F&B outlet – Grub Capitol near Hudson Lane in North Delhi. The grand launch of this new restaurant saw the special invitees drooling over delicacies and chilled drinks with foot tapping music. Grub Capitol is divided into two floors – the lower floor is for fine dining amidst light music while the second floor has more of a lounge area for the younger lot. The place offers 70 covers. Chef Juscool Singh, of merely 25 years of age has passionately handcrafted the multi-cuisine menu.Talking to Travel News Digest exclusively, Namita Sood, Director, GC Ventures said, “This is our first foray into the F&B sector and we have targeted the strategic location of North Delhi. With a big chunk of the university goers and other student population residing in the vicinity, Gub Capitol offers scrumptious food and chilling ambience to unwind, keeping it pocket-friendly.” Grub Capitol will hopefully be getting the liquor license by early next year. She highlighted that the youngsters living in this part of the city are running to South Delhi or NCR for partying at cool joints. With the launch of Grub Capitol, Sood aims to prove that F&B offerings in the north of Delhi are no less than South Delhi.Going forward, she further plans to organise open mics, stand-up comedy, etc. and capitalise on the launch month which is also a festive month. Among her marketing initiatives, Sood eyes tie-ups with local event booking portals.
Agents & Brokers Attorneys & Title Companies Company News Investors Lenders & Servicers Processing Service Providers 2011-10-27 Abby Gregory Share Morgan Stanley Rolls Out New Global Division Despite its complicated moniker, “”Morgan Stanley’s””:www.morganstanley.com/ newly formed Financial Institutions Group Global Capital Markets (FIG GCM) team has a simple mission – to help banks around the globe navigate financial and capital challenges. The advisory division will target organizations worldwide, offering strategies, underwriting, and decision-point support for clients. [IMAGE]News of FIG GCM’s formation leaked out via _DealBook_, which obtained a related internal document from Morgan Stanley. According to the memo revealed by the “”publication””:http://dealbook.nytimes.com/, the team will be responsible for advising clients, as well as underwriting stock and debt structures. Morgan Stanley’s Shyam Parekh will head up the FIG division out of London, and New York-based Kevin Ryan and Taylor Wright will round out the leadership. Parekh was formerly in [COLUMN_BREAK]charge of FIG capital markets internationally, while Ryan previously ran the company’s FIG Solutions team stateside. Wright led Morgan Stanley’s FIG equity underwriting division in the U.S. prior to his appointment to the advisory division._DealBook_ released the memo from within Morgan Stanley, which said in part, “”Our capital markets business is the industry’s premier client franchise because we are able to deliver the full range of solutions around the world seamlessly. To ensure we maintain and strengthen our leadership, I am pleased to announce the following new initiatives. We are creating a global FIG practice (FIG GCM), which will incorporate both debt and equity capital markets solutions.””Written by Raj Dhanda, head of Morgan Stanley’s global capital markets division, the internal statement included positive notes on the newly named team leaders, saying, “”We are confident that their joint skill sets will enhance our ability to consistently create and execute integrated solutions that are so important to our FIG clients globally, particularly as they navigate current market volatility and increased regulatory pressures.””Dhanda’s memo also announced two additional promotions at Morgan Stanley, revealing that Claus Skrumsager and Leo Civitillo were now the co-heads of global debt derivatives. Skrumsager moves up from his previous position as the company’s European leader of fixed-income capital markets, and Civitillo formerly held an identical role for Morgan Stanley in the U.S. in Data, Government, Origination, Secondary Market, Servicing, Technology October 27, 2011 488 Views
The rate of loan closings increased slightly in February despite steadiness in credit standards, according to the latest origination data from Ellie Mae.Using a sample of loan applications initiated in November 2013, the company calculated a closing rate of 55.3 percent in its February Origination Insight Report—a small bump from 54.9 percent in January.Meanwhile, credit standards on closed loans remained unchanged, averaging a FICO score of 724 and a loan-to-value ratio (LTV) of 82 percent. Compared to February 2013, though, standards were much more relaxed.“Credit requirements remained steady month over month, but there has been significant loosening compared to where we were a year ago,” said Jonathan Corr, president and COO of Ellie Mae. “Last month, 33 percent of closed loans had an average FICO score under 700 compared to 24 percent in February 2013.”Still, February’s closing rate came up short against the prior year, when it was 56.8 percent.Among loans closed last month, purchase mortgages accounted for 57 percent—up from 53 percent in January—while refinance share turned down to 43 percent after a brief recovery period.“This is the first time in four months that the share of purchase loans increased month-over-month and the largest one-month increase since August 2013, when the share of purchase loans also jumped four percentage points,” Corr noted.Meanwhile, the share of adjustable-rate mortgages (ARM) as a percentage of total volume dropped from January’s 7.2 percent to 6.9 percent, reflecting greater demand for fixed-rate mortgages as the average 30-year rate pulled back to 4.66 percent. March 19, 2014 488 Views Credit Standards Ellie Mae Purchase Loans Refinance 2014-03-19 Tory Barringer in Daily Dose, Featured, Headlines, News, Origination Loan Closings Up in February; Credit Standards Unchanged Share
October 7, 2014 507 Views in Daily Dose, Featured, Government, News Collingwood Group Credit Availability Forecast Regulation 2014-10-07 Seth Welborn Business Outlook Grim Among Mortgage Professionals Many housing and mortgage industry professionals believe that the overall outlook for their business in the next six months is “grim,” according to the Collingwood Group Mortgage Industry Outlook Report.The report, which was published on Tuesday, was the first-ever such report published by the Collingwood Group. The Washington, D.C.-based advisory firm will be conducting a monthly survey of mortgage and housing industry professionals to report on the state of the business.Only 30 percent of mortgage industry professionals surveyed for the report believe that business conditions will be better in the next six months, while 41 percent said conditions will stay the same and 29 percent said they believe conditions will be worse. Fifty-nine percent of respondents said their current business conditions were worse in September than they were at the same time last year.Only 2 percent of respondents said they believe it is extremely likely that the housing market will improve in the next six months. One reason for the bleak outlook is the effect of regulation on the housing and mortgage industries, which has been increasing since 2010 and especially in the last year, forcing businesses to devote more and more resources toward compliance, the Collingwood Group report said.”The implementation of the Consumer Financial Protection Bureau (CFPB) origination and servicing rules have exposed lenders to host of new compliance demands and risks,” the report said. “The challenges lenders are managing are exasperated by the increased level of federal, state and local government enforcement activities. The results of the survey suggest that this is having a strong impact on businesses’ bottom lines.”Only 9 percent of respondents reported that the pace of regulation has had little or no effect on their business, while 19 percent said the pace of regulation has had an extreme impact. In all, 78 percent of housing and mortgage professionals surveyed said that increased regulation has hurt their business in some way.”The results of our first survey indicate a pretty grim outlook for the next six months,” Collingwood Group Chairman Tim Rood said. “The fast pace of regulatory enforcement is a 1-2 punch for many lenders.”The effect of increased regulation has spilled over into consumers. In many cases consumers have been prevented from obtaining a mortgage loan, since the increased regulation has forced the industry in general to tighten credit availability. Seventy percent of survey respondents said they believe there is a high to extremely high correlation between regulation and the need to tighten mortgage credit.”Many lenders are torn between making credit available to lower credit score borrowers and mitigating exposure to regulatory risk,” said Brian Montgomery, Collingwood vice chairman and former acting HUD secretary and commissioner of the Federal Housing Administration. Share
Share in Daily Dose, Data, Featured, News Housing forecasts can be tricky, especially in the present market conditions where values change by the day. According to CoreLogic’s latest House Price Index (HPI) Validation Report released on Thursday, the company’s national HPI forecast for 2017 came within 1.7 percent of the actual increase in HPI over a 12-month period ending in November 2017.The annual report publicly compares its 12-month HPI Forecasts to the actual CoreLogic HPI Index, along with changes in national and key Core Based Statistical Area (CBSA) level forecasts made in November 2017 to the actual HPI index released in February 2018. The report includes data through November 2017.According to the report the national prediction forecast of 4.5 percent increase was within 1.7 percent of the 6.2 percent increase of HPI. The CBSA covering Washington-Arlington-Alexandria had the most accurate CBSA-level results with the forecast coming within 0.1 percent of its actual values and five other CBSAs coming within 0.5 percent of their actual values.The St. Louis CBSA straddling Montana and Illinois was the second most accurately predicted area with its 12-month actual HPI change at 3.8 percent against the forecasted rate of 3.6 percent. The Cincinnati area straddling Ohio-Kentucky-Indiana came in third in terms of accurately predicted HPI forecasts followed by Baltimore-Columbia-Towson, Maryland; Indianapolis-Carmel-Anderson, Indiana; Los Angeles-Long Beach-Glendale, California; Phoenix-Mesa-Scottsdale, Arizona; Pittsburgh, Pennsylvania; Cleveland-Elyria, Ohio; and Miami-Miami Beach-Kendall, Florida.According to the report, Miami was the most overvalued housing market (63.9 percent overvalued), followed by Cape Coral-Fort Myers (55.7 percent), and Austin-Round Rock (51.9 percent). At 32.4 percent under its actual value, the Bridgeport-Stamford-Norwalk housing market remained the most undervalued market in the U.S. followed by Detroit (30.7 percent) and Cleveland (26.1 percent).The report also indicated that 50 percent of the metro areas under consideration for Amazon HQ2 are already overvalued. “[Our] insight into the potential Amazon HQ2 locations shows that all the markets being considered are currently experiencing home price growth, which we can expect to accelerate in the city that is eventually selected.”The report said that Pittsburgh, Indianapolis, Boston, Philadelphia, Newark, and Atlanta had the ideal housing conditions to support the expected population influx from Amazon’s HQ2. Austin, Dallas, Denver, Los Angeles, Miami, Nashville, New York, and Washington were already overvalued markets which could represent additional housing challenges should HQ2 be built in these cities, the report said.To view the full report, click here. February 22, 2018 604 Views CBSA CoreLogic Home Prices HOUSING Housing Conditions Housing Market HPI HPI Index market overvalued undervalued 2018-02-22 Radhika Ojha Forecasting the Future of Home Values
Share Recent data from the Home Mortgage Disclosure Act illustrates progress in the mortgage market. Loan denial rates are decreasing; loan originations are increasing, and the rate of mortgages made to minorities is rebounding, according to an analysis of the HDMA data conducted by the Urban Institute’s Housing and Housing Finance Policy Center.However, “Our recent analysis of HMDA data shows that while the housing market has rebounded from the crisis in many respects, minority and low-income households lag significantly behind in the recovery,” said Bhargavi Ganesh, a researcher at the Urban Institute. ALoan denial rates overall are declining, falling from 41 percent in 2013 to 32 percent in 2017, according to the Urban Institute’s analysis, which narrowed the view of denial rates to that among lower-credit profile borrowers. The Urban Institute argues that a broader view of denial rates ignores the fact that there are fewer lower-credit profile applicants in today’s marketplace. Denial rates are higher among minority applicants, and they are “significantly higher” among applications for loans under $70,000, according to the Urban Institute. Denial rates for loans under $70,000 are 52 percent, in contrast to a 29 percent denial rate for loans over $150,000, according to the institute’s analysis. At the same time that overall denial rates are down, mortgage credit availability experienced an uptick. In fact, the Urban Institute’s Housing Credit Availability Index has risen for three consecutive quarters and is now at its highest level since 2013. The institute has noted before and noted again that “significant space remains to safely expand the credit box. If the current default risk were doubled across all channels, risk would still be well within the pre-crisis standard of 12.5 percent from 2001 to 2003.” Most of the easing in credit has come from the GSEs and government channels, with a little help from nonbank lenders as well, according to the Urban Institute. While the overall news for the market is good, the recovery is uneven, Ganesh said. Black and Hispanic households now account for 19.2 percent of the purchase loan origination market, which matches the level recorded between 2001 and 2003, a “period of reasonable lending standards,” according to the Urban Institute. However, many large “high-growth” cities maintain a large gap between white, black, and Hispanic homeownership. For example, the Urban Institute recently reported that in Detroit, where the population is 84 percent black, the percentage of purchase originations was just 8 percent in 2016. This is down from 21 percent in 2006. While this is one of the more extreme examples, other cities are experiencing a similar trend. With low-income and minority borrowers not experiencing the same recovery as other buyers, the Urban Institute suggests policymakers look at ways to expand lower-dollar mortgage loans and review “alternative forms of credit scoring and income verification.” Credit Access Credit Availability Credit Scoring Income Verification Loan Denial Rate loans mortgage Urban Institute 2018-08-22 Radhika Ojha in Daily Dose, Featured, News, Origination A Snapshot of the Mortgage Market August 22, 2018 673 Views
Mortgage Rates’ Downward Trend Interest rates on conventional purchase-money mortgages decreased from March, with the average interest rate on all mortgage rates falling to 4.20% in April, according to the Federal Housing Finance Agency (FHFA). April’s rate is a 24-point drop from March’s 4.44%. The report adds the average contract mortgage rate for the purchase of a previously occupied home was 4.15% for loans closed in April, which is a decrease of 21 points from 4.36% in March. Average interest rates on conventional, 30-year, fixed-rate mortgages of $484,350 or less went down 22 points in April to 4.39%. The effective interest rate on all mortgage loans was 4.31% in April, down 20 basis points from 4.51% in March. The average loan amounts rose $9,600 in April to $334,700 from March’s average of $325,100. The FHFA reported earlier this week that home prices rose 1.1% in Q1 2019 from Q4 2018, according to the latest Home Price Index. “House prices have risen consistently over the last 31 quarters,” said Dr. William Doerner, FHFA’s Supervisory Economist. “Although price growth is still positive, the upward pace is softening across the country, especially among states with the largest supplies of housing.”The FHFA stated home prices rose in every state, but First American’s Real Home Price Index states affordability also increased for the first time since March 2016.“In March, two main components of the RHPI swung in favor of increased affordability—continued strong household income growth and declining mortgage rates,” said First American Chief Economist Mark Fleming. “Nationally, affordability improved on a year-over-year basis for the first time since 2016.”CoreLogic’s latest Case-Shiller home price index also predicted the continued decline of mortgage rates.“The U.S. housing market moderation has now lasted a year, driven by considerable slowing in the nation’s most expensive markets,” said Dr. Ralph McLaughlin, Deputy Chief Economist and Executive of Research and Insights at CoreLogic. “While the slowdown is most pronounced in these areas, all of the 20-city markets are slowing, suggesting the cooldown has broken from its confines in the West. However, with the 10-year treasury falling, we can expect mortgage rates to continue to decline this spring. This should help to take the cold edge off what has otherwise been a market slow to thaw from the winter months.” Share May 29, 2019 381 Views 2019 Housing Market Affordability FHFA Mortgage Rates 2019-05-29 Mike Albanese in Daily Dose, Data, Featured, News
Share in Daily Dose, Data, Featured, News, Origination June 27, 2019 238 Views Are Home Costs Weighing Heavily on Americans? A new study by Bankrate found that almost 80% of Americans are losing sleep at night due to financial issues, with housing costs being one of them. According to the survey, 78% of U.S. adults lose sleep due to their finances, personal relationships, housing costs, and other worries, which is a 9% increase from 2018.The leading cost of sleepless nights was everyday expenses, at 32%, but housing costs—mortgage payments and rent—accounted for 18%. Generation X respondents (ages 39-54) accounted for 64% of those who lose sleep over financial issues. Millennials (ages 23-38) accounted for 58% and 54% of baby boomers (ages 55-73) lost sleep over finances. The report states that Gen X is least likely to gain financial security and most likely to feel stressed about money. The report also found that 63% of those who earn less than $30,000 per year have more financial concerns, compared to 53% who make $80,000 or more. Despite these financial concerns for younger generations, it has been reported in recent months that millennials are putting more of an emphasis on homeownership. SunTrust released a survey in May that found nearly half of millennials who have been married say they and/or their spouse owned a home before marriage (48%), compared to only 35% of baby boomers. “People are choosing from many different paths and reaching common life milestones at a wider age span than before, changing when they decide to purchase a home,” said Sherry Graziano, Mortgage Transformation Officer at SunTrust.The survey also found that an increasing number of couples are entering marriage where both individuals own a home. According to the survey, 25% of unmarried women and 21% of unmarried men said, if faced with this decision, they would prefer to sell both places and buy a new one after getting married.Overall, first-time buyers such as millennials continue to reshape the mortgage market. According to the latest First-Time Homebuyer Market Report from Genworth Mortgage Insurance, first-time buyers make up 38% of single-family homebuyers and 57% of new purchase borrowers. 2019 Housing Market Millennials Money 2019-06-27 Mike Albanese
India’s death toll grows amid outbreak of ‘brain f … September 20 , 2018 Angered by Washington’s refusal to exempt it from new steel and aluminum tariffs, New Delhi decided in June to raise the import tax from August 4 on some U.S. products, including almonds, walnuts and apples. The Indian government later delayed imposing the tax until Sept 18, but with negotiations ongoing it has now decided to postpone again.Earlier this month India and the U.S. signed an accord on secure military communication. The agreement had been stalled for years because of India’s concerns that it would open up its communications network to the U.S. military.Separately, Trump escalated his trade war with China on Monday, imposing 10% tariffs on about US$200 billion worth of Chinese imports. World’s leading lemon exporter gains access to Ind … Avocados “increasingly favored” in India, says IG … You might also be interested in India: Maharashtra grape growers to organize marke … India has further delayed the implementation of higher tariffs on agricultural imports from the U.S. to Nov. 2, according to a government order that put off for a second time retaliatory action against U.S. import tariffs on steel and aluminum.India’s decision to further delay comes as the two countries negotiate a package to remove trade frictions over a range of items, Reuters reported.
She launched in July 2016 carrying the tagline ‘the most luxurious ship ever built™’ and now travellers are invited to take a 360-degree virtual tour aboard Seven Seas Explorer as she marks her first anniversary.Regent Seven Seas Cruises has created a new virtual tour series that lets visitors explore the ship’s lavish suites, restaurants and public spaces, and the ‘finest art collection at sea’.To embark on Seven Seas Explorer’s virtual tour CLICK HERE. cruiseSeven Seas Explorervideovirtual tour
Your clients can now walk the last section of Spanish Camino, from Sarria to Santiago, year round, with the announcement that UTracks will offer departures on the final section outside peak season.“While the majority of our travellers walk or cycle the Camino in the warmer months between April and October – we have been fielding requests from travellers wanting to embark on this iconic journey in the quieter off-season,” said UTracks Camino expert, Jaclyn Lofts.“With this mind, we have decided to offer departures on the final Sarria to Santiago section all year round.“These departures will appeal to that select group of travellers seeking real solitude on their journey along the Camino or looking for an active European itinerary out of the main tourist season.“Provided you have the right gear, winter can be a magical time to experience the Camino with fewer people and more local encounters.”More than 200,000 people walk part, or all, of the famous Camino de Santiago each year, and UTracks offers an extensive collection of walking and cycling trips, guided and self-guided, along the Spanish Camino, French Way of St James and the Portuguese Camino. Camino de SantiagoUtracks
The agent turnout has been impressive for Helloworld Travel’s expansion of its Learning and Development opportunities and programs that offer face-to-face training in areas of negotiation, selling skills and leadership.Kelley Matson, National Training Manager, Helloworld Travel Limited, says the timing of the delivery of the courses has been designed to help agents hit the ground running for the financial year ahead.Training with Kelley MatsonThe specifically tailored skills-based course entitled The Art of Conversion has already attracted over 160 consultants and covers the steps of the sales process with particular emphasis on the customer experience, building strong relationships and the value that is add by being the Travel Professional.Helloworld Travel is currently running Leadership training around the country focusing on Goal Setting, KPIs and Performance Measurements for Teams for agents across the Branded and Associate networks.Julie Primmer, Head of Branded Network at Helloworld Travel emphasised the importance and value of these bespoke in-house training development opportunities. “These courses really provide vital assistance to our networks of owner managers to identify the gaps in their business and to encourage and allow them to acquire the tools they can use to fill the gaps and make their business more profitable.” agentsHelloworld Traveltraining
D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ In his first season with the Cardinals, Jay Feely missed three field goals. In 16 games.The kicker has already equaled that number in just three games this season, and his pair of misses Sunday in Seattle proved to be rather costly, especially the 49-yard attempt he left short with the Cardinals down three and roughly five minutes left in the game.The Cardinals ended up losing the game 13-10.“Maybe we’re getting them all out of our system early,” Cardinals coach Ken Whisenhunt said of Feely’s struggles. “But that doesn’t make it any better.” Whisenhunt said kicker is a tough position to play — and no one is doubting that — but for a guy who was so reliable just one season ago to struggle right out of the gate is a bit concerning. However, the coach isn’t worried.“I’ll say this about Jay, he’s mentally a very strong guy,” he said. “I have great confidence that on whatever kick he’s kicking, the next kick is going to go through because I believe in Jay.”It’s good the coach believes in Feely because fans might start to get nervous if the struggles continue. That said, the kicker’s issues could be due to a number of circumstances, all of which are really out of his control.First, the Cardinals cut punter Ben Graham before the season opener in favor of Dave Zastudil. Graham, of course, was the holder on Feely’s kicks, and the change — even if all things seem right — could be an issue. Former Cardinal Neil Rackers had a similar problem with the team cut Scott Player loose in favor of Dirk Johnson, struggling with his kicks after the change.Of course, Feely’s issue Sunday may have simply been the weather. Seattle is not an easy place to kick, with swirling winds and a wet football likely playing a role. Regardless, Feely’s job is to make field goals, and he didn’t come through Sunday afternoon. He’ll have plenty more chances this season, though, and Whisenhunt and the Cardinals are hoping he has, in fact, gotten the misses out of the way.Arizona Sports’ Kyndra de St. Aubin contributed to this report Nevada officials reach out to D-backs on potential relocation What an MLB source said about the D-backs’ trade haul for Greinke Comments Share Top Stories Cardinals expect improving Murphy to contribute right away
Former Cardinals kicker Phil Dawson retires 0 Comments Share At long last, we finally got our first glimpse at the new-look Arizona Cardinals.New general manager, new head coach and a slew of new players. The only thing that felt like years past was the result.The Cardinals squandered an 11-point fourth-quarter lead and fell to the St. Louis Rams 27-24 at the Edward Jones Sunday. St. Louis kicker Greg Zuerlein booted four field goals, including a 48-yarder with :45 left that sealed the deal. Derrick Hall satisfied with D-backs’ buying and selling – / 27 There was a lot to like from what the Cardinals displayed Sunday, but there was a lot not to like, too. Here are Six Points that stood out to me from Arizona’s season-opening loss.1. Andre Roberts is legit – The fourth-year pro from The Citadel had eight catches for 97 yards, many of which were acrobatic grabs and most of them ended in vicious hits from a hungry St. Louis defense. With Roberts playing out of his mind, Michael Floyd supplying a highlight-reel catch to set up the Cards’ first touchdown and Larry Fitzgerald’s two-touchdown performance, this receiving corps has the potential to be one of if not the best in the National Football League.2. It was really nice to see a competent quarterback under center – Much was made about the Cardinals’ acquisition of Carson Palmer in the offseason. Many still harbor ill will toward Palmer for his unceremonious exit from Cincinnati and his lackluster results in Oakland. But in his first game with the Cardinals, the former Heisman winner acquitted himself quite nicely. Palmer completed 26-of-40 for 327 yards and two touchdowns. The only setback was an interception early in the third quarter that led to a St. Louis field goal. When Palmer was given time, he made solid decisions, pushed the ball down the field and most importantly, was accurate with his throws. However… 3. There are still issues on the offensive line – Everyone on the line who performed well Sunday, please step forward. Not so fast there, Levi Brown. The veteran, who missed the 2012 season with a triceps injury, was used and abused by Rams’ defensive end Robert Quinn, who had three sacks on the day. The third caused a fumble which was recovered by St. Louis and led to a Zuerlein field goal that tied the game with just under 11 minutes to go. It seemed that whenever the Cardinals didn’t utilize a tight end or a running back to help Brown out, Quinn did whatever he wanted. In the preseason, Brown was abused by San Diego’s Dwight Freeney, but everyone seemed to cut him slack because Freeney is a future Hall of Famer. Quinn is a third-year player, and a good one, but shouldn’t dominate a veteran left tackle the way he did. The Cardinals will face elite pass rushers almost every week this season, and unfortunately Brown is the best option at the position right now. That could make for a long season.4. The defense was, in some cases, offensive – Rams’ QB Sam Bradford dropped back to pass 38 times in the game, and faced very little pressure. In fact, the Cardinals didn’t sack Bradford once. The tackling was atrocious for most of the contest and maybe most importantly, the Rams feasted on the absence of inside linebacker Daryl Washington, who was serving the first of a four-game suspension Sunday. Jared Cook had seven catches for 141 yards and two touchdowns (should have been three) largely because the Cardinals couldn’t match up with him. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo 5. The kicking game – The Cardinals were concerned with Jay Feely in the preseason, even going so far to bring in veteran Dan Carpenter for a camp battle. Carpenter failed to impress and was let go, handing the job to Feely. But the 13-year veteran didn’t exactly ingratiate himself to Bruce Arians and the coaching staff. First, Feely’s first two kickoffs were very shallow, one actually resembled a squib kick. And then, after the Rams tied the game at 10-10 with just :25 left in the first half, Arians opted to go into attack mode. Arizona actually got into field goal range, giving Feely a crack at a 50-harder on the half’s final play. He missed it wide-right and the Cardinals went into the half deadlocked instead of having a lead. It’s hard to get on a guy for missing a 50-yard field goal, but a) Feely has 15 career makes of 50-plus yards and b) he was kicking in a dome. I’m not convinced general manager Steve Keim won’t go out and look for someone to push Feely or possibly take his job.6. The “Honey Badger” does care – Tyrann Mathieu came to Arizona with a reputation for being a ballhawk and we didn’t have to wait long to see the rookie’s unique skill set on display. In the first quarter, Bradford found Cook, who broke free for what appeared to be a 55-yard waltz to the end zone. But Mathieu showed unbelievable hustle and poked the ball free from Cook, who fumbled it into the end zone. Karlos Dansby made a great recovery, forcing the touchback, and just like that, Mathieu saved seven points. Get used to it — we’re going to see a lot more of that as the season rolls on. Top Stories Grace expects Greinke trade to have emotional impact
But here he is, in the Pro Bowl alongside the best the NFL has to offer. Peterson, for his part, said he really never wondered if he would be selected or not.“I was just controlling what I could control, and that’s playing 60 minutes on each and every Sunday,” he said. “If I happened to get chosen to come here, just like the first three, it’s a pleasure. So it’s always fun to play in the Pro Bowl, definitely looking forward to playing in many more, but hopefully in the next couple years I want to play in the big one.”Peterson knows playing better would help, and though he said this was not a hard season for him, he acknowledged there were a couple things — like nagging injuries and health issues — that prevented him from having the type of year he was expecting. Top Stories – / 34 The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo LUKE AIR FORCE BASE, Ariz. — Sunday afternoon in Glendale, the Arizona Cardinals’ Patrick Peterson will make his fourth appearance in the NFL’s Pro Bowl, and third for his work as a cornerback. But if you were to poll many fans around the Valley and pundits around the nation, many would probably tell you he does not deserve to be in the game.By most accounts, Peterson did not have a great 2014, or at least one that is up to his personal standards. According to Pro Football Focus, opponents completed nearly 57 of their pass attempts when targeting him for an average of nearly 14 yards per reception. He allowed eight touchdowns and a QB rating of 97.0. Former Cardinals kicker Phil Dawson retires Comments Share Derrick Hall satisfied with D-backs’ buying and selling Grace expects Greinke trade to have emotional impact
Go back to the e-newsletter >Air New Zealand has announced its 2015 annual result with normalised earnings before taxation of $496 million for the 2015 financial year, an increase of 49% on the prior year. “Our strategic initiatives over the past 3 years have positioned us well to take advantage of market dynamics which have contributed to these results,” Chairman Tony Carter says.“Our investment in new efficient aircraft, the continued development of our alliance partner relationships, world-class sales and marketing execution, great customer service and strong focus on cost management have enabled Air New Zealand to achieve revenue growth against a stable cost base.“We indicated at our interim result that lower fuel prices and current sales momentum have strengthened the company’s outlook, and this has seen the delivery of a record annual result that our shareholders and staff can be immensely proud of,” Mr Carter says.“Given the current known operating environment, along with our increased capacity and improved operating efficiencies, we expect to achieve significant earnings growth in the coming year.”Chief Executive Officer Christopher Luxon says a continued focus on superior commercial results, enhancing the customer experience and further developing the airline’s people and culture have resulted in a terrific 2015 financial year across all 3 of these commitments.“We remain focused on the Pacific Rim as our growth strategy and will continue to provide the best connections, product and service at competitive prices, to maintain and grow our market share in these regions. Next year will see further capacity growth in international markets as we look forward to new routes starting in December 2015 to Houston and Buenos Aires. And while we are gearing up to launch these exciting new routes we have a team assessing potential new opportunities in Australia, Asia and the Americas,” Mr Luxon says.“We operate one of the most comprehensive domestic jet and regional turboprop networks in the world renowned for frequency, service and reliability. Our domestic operation will grow eight percent in the year ahead, while at the same time maintaining our price leadership with more than two million domestic fares expected to be offered for sale for less than $100.”Mr Luxon says NZ has spent considerable time and effort enhancing the on-the-ground and inflight experience in 2015 financial year.“This has resulted in a further lift in customer satisfaction including amongst our most frequent flyers, and has seen the airline receive many awards in the past year.”NZ’s loyalty programme, Airpoints, continues to grow at pace with around 1.9 million members now, which is up almost 17% on the previous year. Australia remained the biggest overseas membership base with growth in that market exceeding 20% during the year.“This doesn’t surprise us as more Australians than ever are embracing the Air New Zealand product and service offering whether it be on the Tasman, to the Pacific Islands, North America or South America.”A cornerstone focus for NZ in 2015 financial year was knowing its customers better than ever before through the enhanced use of data and analytics.“Air New Zealand will deliver more personalised and relevant offers to its customers in the future through the use of data and analytics. We have the systems, people and global partners in place to see the airline be more relevant than ever in our customers’ lives and in turn to deliver even more commercially through the Airpoints programme,” Mr Luxon says.While NZ’s record annual result is good news for shareholders, it is also a great outcome for the airline’s employees.“Our people are critical to the airline’s success. In the last year we have established a Company Performance Bonus to allow all Air New Zealanders to benefit when we deliver superior commercial results, and this will be paid to eligible employees next week,” Mr Luxon says.The bonus will see 8000 staff, who are not on other incentive programmes, receive payments of up to $1400.Go back to the e-newsletter >