Fortuna migrates Slovakian sportsbook onto Playtech platform

first_img Regions: Europe Central and Eastern Europe Slovakia Sports betting Fortuna migrates Slovakian sportsbook onto Playtech platform Email Address Topics: Sports betting Tech & innovation Central and Eastern European betting operator Fortuna Entertainment Group has migrated its Slovakia-facing sportsbook onto the Playtech IMS platform, with its sportsbooks in the Czech Republic, Poland and Croatia to follow. Subscribe to the iGaming newsletter Tags: Online Gambling Central and Eastern European betting operator Fortuna Entertainment Group has migrated its Slovakia-facing sportsbook onto the Playtech IMS platform.Fortuna customers can now access sportsbook funds across retail and online channels, while Fortuna will be able to utilise Playtech’s Engagement Centre and responsible gambling tools across its omni-channel offering.The launch marks the next stage in Fortuna and Playtech’s omni-channel deal that was extended in November 2018, with migration of its sportsbooks in the Czech Republic, Poland and Croatia to follow.In addition, once the casino licensing process is complete, Fortuna will launch Playtech’s casino suite and selection of third-party gaming content across the platform. The Playtech front-end portal framework will enable Fortuna to both integrate and personalise content using data-driven customisation tools.“Our strategic partnership with Playtech is central to growth plans and success so far,” Fortuna chief executive Per Widerstrom said. “Fortuna customers can now enjoy a sophisticated and seamless user experience.“Playtech’s data-driven toolset allows for real time player messaging and engagement, immediately improving the quality of the player experience and taking our responsible gambling capabilities to the next level.”Shimon Akad, chief operating officer of Playtech, added: “Fortuna’s continued growth trajectory is highly impressive and we are proud to be a strategic partner to one of the foremost operators in Europe.“This partnership firmly leverages the power of the Playtech ONE solution, both from a marketing and player tracking perspective, and we believe there is further growth ahead as Fortuna continues to extend its omni-channel leadership.”The migration comes after Playtech last month also expanded its relationship with Swiss Casinos-operated Casino Zürichsee to launch a new online live casino service and jackpot casino games in Switzerland.Playtech supported Casino Zürichsee with the roll out of its platform earlier this month, and the operator will now bolster this offering by becoming the first online casino in Switzerland to launch both live casino and jackpot casino games.Image: Max Pixel AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter 3rd October 2019 | By contenteditorlast_img read more

starafricacorporation Limited (SACL.zw) 2007 Annual Report

first_imgstarafricacorporation Limited (SACL.zw) listed on the Zimbabwe Stock Exchange under the Food sector has released it’s 2007 annual report.For more information about starafricacorporation Limited (SACL.zw) reports, abridged reports, interim earnings results and earnings presentations, visit the starafricacorporation Limited (SACL.zw) company page on AfricanFinancials.Document: starafricacorporation Limited (SACL.zw)  2007 annual report.Company Profilestarafricacorporation Limited is an established sugar refinery in Zimbabwe; manufacturing and marketing sugar-based products under two well-known brand names, Goldstar Sugar and Country Choice Foods. Its product range comprises icing sugar, golden syrup, honey syrup and maple syrup. There are only two sugar mills in Zimbabwe and both are owned by Starafrica Corporation; producing products for local consumption and for export to countries in sub-Sahara Africa. Its subsidiary companies are Starafrica Operations (Private) Limited and Silver Star Properties (Private) Limited which is a property division involved in managing commercial, manufacturing and residential premises in Zimbabwe. starafricacorporation Limited is listed on the Zimbabwe Stock Exchangelast_img read more

Domus Atrio House / González Morgado Arquitectura

first_imgCopyHouses, Renovation, Historic Preservation•Spain “COPY” Houses ArchDaily “COPY” Domus Atrio House / González Morgado ArquitecturaSave this projectSaveDomus Atrio House / González Morgado Arquitectura Projects Spain Lead Architects: Products translation missing: en-US.post.svg.material_description Domus Atrio House / González Morgado Arquitectura Manufacturers: AutoDesk, Vibia, Knauf, Strugal, 3dmax, Roca Photographs:  Juan Carlos Lagares Manufacturers Brands with products used in this architecture project center_img Save this picture!© Juan Carlos Lagares+ 21Curated by Clara Ott Share Area:  351 m² Year Completion year of this architecture project CopyAbout this officeGonzález Morgado ArquitecturaOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesRefurbishmentRenovationHistoric PreservationSpainPublished on September 01, 2020Cite: “Domus Atrio House / González Morgado Arquitectura” [Vivienda Domus Atrio / González Morgado Arquitectura] 01 Sep 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogAluminium CompositesTechnowoodHow to Design a Façade with AluProfile Vertical ProfilesGlassMitrexSolar GreenhouseMetal PanelsAurubisOxidized Copper: Nordic BrownDoorsEGGERWood Laminate Doors in Molecular Plant Science InstituteStonesCosentinoSurfaces – Silestone® Nebula SeriesWall / Ceiling LightsLouis PoulsenLamp – LP RiplsWood Boards / HPL PanelsBruagRoom Dividers – Partition Wall MDFStonesNeolithSintered Stone – Mar del PlataWindowspanoramah!®ah! SecurityPanels / Prefabricated AssembliesULMA Architectural SolutionsMIS Facade PanelCarpetsFabromont AGTextile Floor Covering – Orbital® 07 COLORpunkt®LightsNorka lightingLuminaire – BelfastMore products »Save想阅读文章的中文版本吗?西班牙多莫斯住宅,建了一个世纪的家 / González Morgado Arquitectura是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream Photographs Year:  ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/946398/domus-atrio-house-gonzalez-morgado-arquitectura Clipboard 2020 Products used in this ProjectLightsVibiaHanging Lamps – WireflowCountry:SpainMore SpecsLess SpecsSave this picture!© Juan Carlos Lagares”It is said that when a Sevillian had a house built, he said to his architect: Make me a large patio on this site and big corridors, if there is land left, build rooms for me.” Joaquin HazañasSave this picture!© Juan Carlos LagaresSave this picture!General PlanSave this picture!© Juan Carlos LagaresRoman domus, muslim abode, patio house… Domus Atrio is a house located in the historic center of Lepe, Huelva. It was built during the second half of the 19th century, but its original shape evolved until the 1930s, when the work was completed after adding different kind of layers.Save this picture!© Juan Carlos LagaresSave this picture!SectionSave this picture!© Juan Carlos LagaresThis is how this traditional construction continues to this day, built a little over a century ago, it could well have been constructed a thousand years ago, the beauty remains unchanged. It has roman, muslim and andalusian influences at the same time. Casa Patio.Save this picture!© Juan Carlos LagaresSave this picture!© Juan Carlos LagaresIts style is regionalist , with a certain neo-Mudejar influence. So its soul is even older. The house contains three patios, around which the rest of the rooms are arranged. The way its build reminds you of a typical Roman Domus. The hall is followed by the atrium, but this time not as an impluvium that collects rainwater, but rather as a natural light space. The heart of the house, the living room and the dining room, are located in the place of the tablinum, a representative space of the Roman house and link between the atrium and the peristyle. Reorganizing the special division of rooms and achieve visual amplitude were the main objectives of the restructuring. The way its designed, so typical of the andalusian Casa Patio, connects different patios, which in this way naturally give light and ventilation to the whole house.Save this picture!© Juan Carlos LagaresSave this picture!© Juan Carlos LagaresThe facade of the house, inside walls, underwent a modern facelift. However the essence of the house and the courtyards, remain unchanged.Save this picture!© Juan Carlos LagaresThe reconstruction was only done to bring it back to its original state of glory, a residence with three patios, an historic house.Save this picture!© Juan Carlos LagaresProject gallerySee allShow less“Architecture Making Depends on Good Communication”: Interview with Tong MingInterviewsKindergarten Sluderno / Roland Baldi ArchitectsSelected Projects Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/946398/domus-atrio-house-gonzalez-morgado-arquitectura Clipboard Juan Manuel González Morgado Architects: González Morgado Arquitectura Area Area of this architecture projectlast_img read more

La vivienda es un derecho

first_imgMientras el mercado de valores y las ganancias se disparan, también lo hace el costo de la vivienda en EUA. Se ha producido una transformación en las principales ciudades (San Francisco, Filadelfia, Washington, DC y Nueva York son solo algunos ejemplos) ya que las viviendas de alquiler a precios razonables se demuelen o se renuevan para proporcionar cooperativas de lujo y condominios para los nuevos ricos y/o los ricos establecidos que se mudan desde los suburbios o disfrutan de residencias tanto en la ciudad como en el campo.La elección de un presidente cuya fortuna personal proviene de bienes inmuebles, aunque dice que se preocupa por las/os trabajadores, solo ha acelerado el proceso.Las organizaciones de inquilinos luchan contra una marea de riqueza que amenaza con absorberlas.Y la riqueza crece tanto como la pobreza. Pero no porque las/os pobres sean “demasiado vagos para trabajar”. Todo lo contrario. Según la Coalición Nacional para las Personas sin Hogar, en el 2009, hasta el 44 por ciento de las personas sin hogar tenían trabajo, pero el salario era tan bajo que no podían costear ni siquiera las viviendas más baratas. Desde entonces, solo ha empeorado.Ese mismo año, la Coalición Nacional de Vivienda de Bajos Ingresos calculó que un trabajador/a con salario mínimo “tendría que trabajar 87 horas cada semana para pagar un apartamento de dos habitaciones al 30 por ciento de sus ingresos, que es la definición federal de vivienda asequible”.¡Trabajar 87 horas cada semana! Eso es más que DOS VECES la semana de 40 horas, que una vez fuera el estándar. ¿Alguien recuerda cómo era trabajar ocho horas, dormir ocho horas, vivir una vida durante ocho horas y ser capaz de disfrutar los fines de semana?Para trabajar 87 horas a la semana, hay que trabajar 16 horas cada día de la semana, lo que significa dormir cinco horas, tener tres horas para viajar hacia y desde su trabajo y comer algo sobre la marcha, luego trabajar esas siete horas adicionales el sábado – y colapsar el domingo. A menos que se tenga que trabajar en ese momento, lo cual es cada vez más probable, especialmente en los trabajos de venta minorista y de servicio de alimentos con salarios bajos.No es de extrañar que la falta de vivienda esté creciendo, junto con la riqueza obscena en el tope.¿Qué pasa con las/os desplazados? Una encuesta en 2017 mostró que en una noche cualquiera en este país rico, más de medio millón de personas, 544.000, no tenían hogar, no tenían dónde dormir sino debajo de puentes, en callejones o en refugios atestados de personas sin hogar.Muchas mujeres con niñas/os no tienen hogar, algunas para escapar del abuso. También lo son las personas con problemas físicos, mentales y emocionales. Y como estar sin hogar solo agrava estas afecciones, muchas terminan en las salas de emergencia de los hospitales.Hace un siglo y medio, el desarrollo del capitalismo y el triunfo de la fabricación a gran escala sobre las industrias caseras en gran parte de Europa y América del Norte aumentaron enormemente la productividad del trabajo. Hoy en día, un trabajador/a puede producir cien veces más, ya sea textiles, acero o casas, con la nueva tecnología. Una casa de cuatro habitaciones parcialmente prefabricada y bien diseñada hoy se puede ensamblar y terminar en un mes.Esa es la ventaja del desarrollo capitalista. Pero la desventaja de un sistema económico basado en las ganancias y el trabajo explotado es la degradación total de la vida del trabajador/a.Frederick Engels, el colaborador más cercano de Karl Marx, escribió en 1872 sobre cómo la burguesía resuelve la cuestión de la vivienda:“Los criaderos de enfermedades, los infames hoyos y sótanos en los que el modo de producción capitalista confina a nuestras/os trabajadores noche tras noche, no son abolidos; simplemente se desplazan a otra parte! … Mientras el modo de producción capitalista continúe existiendo, es una locura esperar una solución aislada de la cuestión de la vivienda o de cualquier otra cuestión social que afecte el destino de las/os trabajadores.“La solución está en la abolición del modo de producción capitalista y la apropiación de todos los medios de vida y trabajo por parte de la clase trabajadora misma”.Amén, camarada Freddy.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Horned Frogs crumble in second half of Big 12 Championship game against No. 3 Oklahoma

first_imgLinkedin Twitter Garrett Podellhttps://www.tcu360.com/author/garrett-podell/ Facebook The Horned Frogs didn’t do themselves any favors at the start, as running back Kyle Hicks fumbled the first offensive snap, and Sooner linebacker Caleb Kelly returned it 18-yards for an early 10-0 lead. Heisman Trophy front-runner Baker Mayfield found the back of the end zone on a five-yard, play-action pass to tight end Mark Andrews to make it 17-0.However, the Horned Frogs would fight back in the second quarter, scoring 17 points of their own on a couple of jaw-dropping catches from wide receivers Jalen Reagor and John Diarse. The scoring strike shrunk the Oklahoma lead to ten, 17-7, with 14:07 left in the first half. Reagor’s 29-yard touchdown reception was his  seventh of the season, tying him for the most in the nation by a true freshman. Facebook “Against a team like that, especially offense you can’t make mistakes,” TCU head coach Gary Patterson said. “We did a great job of fighting back in the first half to get into a one-score game and you can’t give up big plays. Two plays is basically the second half and offensively we’ve got to do a better job in the second half. They turned up the volume and we did not.” Garrett Podellhttps://www.tcu360.com/author/garrett-podell/ Garrett Podell World Oceans Day shines spotlight on marine plastic pollution ReddIt Diarse finished with five receptions for 66 yards, including the 12-yard touchdown, to give him at least one catch in 26 of the last 27 games.However, the Sooners responded. Eight plays later, Mayfield and the Sooners ran the exact same play-action pass play that resulted in Oklahoma’s first offensive touchdown, and it resulted in Oklahoma’s second offensive touchdown on a six-yard connection to Andrews that pushed the Sooner’s lead back up to 10, 24-14.That connection gave TCU 3:45 to march down field to get some points. With one timeout remaining and a first down at the Sooner 10, Hill made an ill-fated decision to tuck and run with the football, which resulted in a 1-yard gain to the nine, forcing the Horned Frogs to use their final timeout. Patterson, traditionally conservative when it comes to clock management, opted not to attempt a throw to the end zone with seven seconds left in the half. TCU kicker Cole Bunce hit a 26-yard field right up the middle to send the Horned Frogs into the locker room down just a touchdown, 24-17. Garrett Podellhttps://www.tcu360.com/author/garrett-podell/ TCU couldn’t carry over its second quarter momentum into the third quarter. Hill and the TCU offense went three and out and were stopped a yard short of a first down on its first two offensive possessions. Mayfield needed just three plays on two possessions to rack up a couple more passing touchdowns, a 55-yarder to Mykel Jones and a 52-yarder to Marquise Brown. With 10:41 left in the third quarter, the Sooners extended its lead to 21, 38-17.After a Sooner punt, TCU began a short-lived drive on their own four. On the very next play, Hill attempted to fit a jump ball down the left sideline to Diarse into double coverage, which resulted in an interception to Sooner defensive back Will Johnson. The turnover resulted in a 40-yard field goal from Seibert, which increased the Oklahoma advantage to 24, 41-17.TCU quarterback Kenny Hill runs past an Oklahoma defender. Photo by Cristian ArguetaSotoUp NextThe Sooners, led by the Big 12 Championship Game’s Most Outstanding Player Mayfield, effectively clinched a spot in the College Football Playoffs.TCU, now 10-3, is still in the running to play in one of the New Year’s Six bowl games like the Fiesta, Peach or Cotton Bowl, but in order to do that, they’ll need to finish in the top 12 of tomorrow’s final regular season CFP poll. If they fall outside the top 12, they’ll likely find themselves in San Antonio for the second time in three years at the Alamo Bowl, as the Big 12’s second-place team. Boschini talks: construction, parking, tuition, enrollment, DEI, a student trustee Boschini: ‘None of the talk matters because Jamie Dixon is staying’ “As far as the catch goes, all the credit goes to Kenny and the O-line for giving him time and allowing him to put the ball in the right place and left me to do my job and catch it,” Diarse said. “I just remember, you know, falling with it and having possession. I immediately ran to the sideline and told Coach, that’s a catch.” Men’s basketball scores season-low in NIT semifinals loss to Texas + posts “You can throw to the end zone, but if you’re not careful you’re going to run out and end up with zero,” Patterson said. “We did know we were going to start with the ball the second half, so I was trying to get two possessions. You can get a field goal and then you’re within one score and you get the ball back and go down the field and here you go, but it obviously it didn’t turn out that way.” “Very proud of this football team,” Patterson said. “With the seniors, you got a group that’s 10-3 and fought themselves into this ball game. Preseason we were picked sixth, and really have overcome a lot of things, and we probably had one of the tougher [schedules]. So to get back to this point was great.” The College of Science and Engineering Dean, Phil Hartman, retires after 40 consecutive years TCU places second in the National Student Advertising Competition, the highest in school history ReddIt Previous articleBig 12 Championship Game epitomizes Kenny Hill’s ‘up and down’ TCU careerNext articleQ&A with the director of ‘The Shape of Water’ Garrett Podell RELATED ARTICLESMORE FROM AUTHOR The Sooners appeared to be on their way to another touchdown as they had a second and two at the TCU 21. However, TCU defensive end Ben Banogu strip-sacked Mayfield, but Oklahoma right guard Dru Samia fell on top of the loose ball. The sack by Ben Banogu gave TCU at least one sack in 54 of its last 56 games. On third and six, Oklahoma threw to the end zone, but Andrews dropped the ball. Sooner kicker Austin Seibert then hooked just his third field goal of the season from 43 yards out, a significant shift in momentum.The Horned Frogs would capitalize nine plays later on a play from wide receiver Diarse. Hill threw a jump ball to the senior on a fade route, as he has many times this season, and Diarse snatched the ball out the air with one hand to tuck it into his gut right as his knee hit the ground. After referees initially ruled the play an incompletion, they awarded the Horned Frogs a touchdown on the 12-yard connection, which cut the Sooner lead to three, 17-14. printWhile the College Football Playoffs were likely off the table for TCU Saturday at AT&T Stadium, they were given the opportunity to win the Big 12 Conference Championship. However, Oklahoma made the most of the opportunity instead shutting down TCU, 41-17. Listen: The Podell and Pickell Show with L.J. Collier “As far as Jalen Reagor, that’s what we expect,” Diarse said. “Freshman, sophomore, junior, senior, it’s your time to make a play you make a play. He has been around the ball all year long, and I’m excited personally to watch him the rest of his career.” Linkedin Garrett is a Journalism and Sports Broadcasting double major. He is the Managing Editor for TCU360, and his passions are God, family, friends, sports, and great food. Twitter TCU wide receiver John Diarse breaks a tackle against Oklahoma. Photo by Cristian ArguetaSoto Garrett Podellhttps://www.tcu360.com/author/garrett-podell/ TAGSBig 12Big 12 Championshipgary patterson last_img read more

Pasadena Teen Wins Top Visual Arts Award at World Autism Festival, Canada

first_img Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Subscribe Community News Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Name (required)  Mail (required) (not be published)  Website  HerbeautyCostume That Makes Actresses Beneath Practically UnrecognizableHerbeautyHerbeautyHerbeautyHe Is Totally In Love With You If He Does These 7 ThingsHerbeautyHerbeautyHerbeauty8 Yoga Poses To Overcome Stress And AnxietyHerbeautyHerbeautyHerbeautyInstall These Measures To Keep Your Household Safe From Covid19HerbeautyHerbeautyHerbeauty15 Countries Where Men Have Difficulties Finding A WifeHerbeautyHerbeautyHerbeautyYou Can’t Go Past Our Healthy Quick RecipesHerbeautyHerbeauty Carissa Paccerelli (l) and Leonora Gregory-Collura, President and Co-Founder of ANCAA 17-year old artist, Carissa Mordeno Paccerelli of Pasadena, received the top award at the 7th ANCA World Autism Festival. She was awarded 1st Place for the International Naturally Autistic People Award representing the United States in the Visual Arts category.The Festival celebrates the talents and abilities of autistic people and the organizations that support them. It brings together award recipients and educators in the field of autism from many different countries.Event participants are provided an opportunity to collaborate and share information and learning in the field of autism. This year the INAP Awards included nominees and recipients representing 27 countries.“I’m so grateful for winning this award this year. I am grateful to everyone who enjoys my art. I never imagined my art would get me this far. I wouldn’t have been able to receive this recognition without the help of my family and friends,” said Carissa.Carissa began exhibiting significant talent in drawing and painting as early as age three. She has received a broad variety of awards and recognition for her artwork, seen in numerous exhibits, art fairs, and festivals.She had her first solo exhibit entitled, “Artwork by Rissa P” in Pasadena, at age 15.She is currently an 11th grade student at Pasadena High School in the Visual Arts and Design Academy (VADA) program. She also attends an advanced arts instruction at the Otis College Arts of Design in Los Angeles on a full scholarship awarded by the highly-competitive Ryman Arts.To know more about Carissa, visit her website at www.carissaspage.com. Community News Make a comment faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimescenter_img EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS More Cool Stuff Your email address will not be published. Required fields are marked * First Heatwave Expected Next Week Top of the News Community News Pasadena Teen Wins Top Visual Arts Award at World Autism Festival, Canada From STAFF REPORTS Published on Friday, October 14, 2016 | 12:36 pm Business News 4 recommended0 commentsShareShareTweetSharePin it Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadenalast_img read more

Natural Disaster Meets Digital Disruption

first_imgHome / Daily Dose / Natural Disaster Meets Digital Disruption Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Investment, News, Print Features, Technology The Week Ahead: Nearing the Forbearance Exit 2 days ago Editor’s note: This feature originally appeared in the October issue of DS NewsLike many of you, I’ve been in the industry long enough to have survived the financial crisis and then some, so when I hear familiar phrases like “workflow automation” or “operational readiness,” it’s not the first time. However, amidst what may seem like a lull in financial recovery, our industry is absolutely on the cusp of digital disruption. We are also heading toward the third consecutive year for historic volumes of natural disaster.The intersection of these two “Ds”—disasters and digital disruption—creates the perfect springboard for improving response times and service through the automation of disaster recovery processes. Moreover, a digital disruption can be a catalyst for realizing similar benefits throughout your organization. The overall bottom-line opportunity can help offset shrinking resources and margins as well as provide improved transparency for your borrowers, industry partners, and investors alike.Creating an Opportunity Out of Disaster Recovery Our industry needs to understand and embrace disaster assistance, despite the disturbance, volatility, and resource constraints involved. Whatever the disaster, it is an opportunity to strategically service the borrower in ways that create long-standing customer loyalty and preference.There shouldn’t be a difference in how borrowers are treated at various stages of the loan lifecycle, especially during times of unforeseen disaster. When approaching or rethinking your disaster-recovery strategy, consider implementing technologies that can seamlessly take the customer from onboarding through each phase of servicing, including loss mitigation—with no gaps. Such capabilities are valuable for servicing in general but even more important when evaluating an uncontrollable event such as a natural disaster.Imagine taking a proactive approach that will move your organization away from not only reactively responding to the onset of borrower calls but through numerous changing programs and requirements for disaster-recovery assistance. Tapping automation that goes beyond basic rules, puts control and flexibility in the servicer’s hands, simultaneously supports change and urgency, and offers management transparency is not an impossibility. The opportunity exists and is available today.Minimize Risk While Managing Through DisasterAs any mortgage servicer will attest, managing through natural disaster events can wreak havoc on the cost of servicing. This is why today’s technology needs to help reduce risk for servicers, as well as their borrowers and investors, when a disaster occurs. The goal is to minimize expenses and add controls during events that can quickly go in the other direction if planning and proactive strategies are not in place.When planning your strategy, it’s important to look at all of the pieces of the process that need to come together when disaster strikes. Obviously, the phone rings first, but borrower support can last for many months as related issues, including delinquencies, accumulate. During this time, borrowers and investors are both looking for immediate and continuous communication from the servicer, who must also strive to reduce errors and response times.Events, timelines, program qualifications, and collateral damage can all come into play. By implementing a sophisticated workflow application, servicers are able to track, manage, and cure disaster related activities, improving scalability, maximizing resource utilization, and minimizing risk during a time of duress for all parties.Bringing Industry Participants TogetherAs tragic and tumultuous as disasters are, in general, they can also bring people together. In the case of mortgage servicers, putting the borrower and investor first in line can bring all parties closer to solving the shared challenges tied to disaster. Through automated workflow technologies, servicers are able to improve relationships with customers by providing quick, efficient, and flexible service. Investors want accurate and timely reporting, which can be accomplished through a similar approach.By leveraging emerging technologies that move beyond basic rule management, servicers can also maximize their utilization of data and AI, coupled with eligibility modeling and flexible reporting. This lift is immediately transferred to borrower and investor inquiries. The result is a combination of automation powered by communication, coupled with problem-solving capabilities that have the capacity to speed up the process and mitigate the overall potential on the bottom line.While there are any number of automated workflow technologies available to servicers, the best are those which have evolved with our industry through the entire post-financial crisis era. These solutions have migrated into increasingly sophisticated applications that leverage a complete suite of investor programs targeted to support loss mitigation, including disaster recovery strategies.A high-quality workflow technology provider should also be able to assist servicers in automating their strategic approaches to process administration, change management, risk control, and cost containment. Whether your team is dealing with borrower mobile communications managing insurance remittance for property repair, or the complex network of conflicting timelines, there are solutions on the market that are already configured to help address your needs. Partnering with such a provider can help you stay on the forefront of digital disruption with technology that derives flexibility from sophisticated data streams and AI, delivered through a user-friendly application that is mobile-ready.Bringing data disruption to disaster recovery reflects where our entire industry is headed. With emerging technology, we no longer have to treat event-based obstacles as a one-off, exception-handling juggling exercise. Embracing technology actually helps you put the customer at the forefront of your operation as well. Sophisticated automated workflow applications can bring all of these aspects to your organization in fairly short order.Workflow has changed, like everything else in our industry, so take your time and find a partner that understands both the value of your customer and the importance of your corporate culture. Simply checking boxes and implementing basic industry rules will not get the job done in today’s market. Mortgage servicers need innovative partners that understand the difference between business and success.The bottom line is that natural disasters do not need to create workflow disasters—nor should they. They offer a prime opportunity for servicers to enhance customer service and take a giant technological leap forward. The key is to capitalize on technologies emerging out of digital disruption to manage disaster recovery and win customer allegiance at the same time. By letting automation handle the ups and downs of disaster mitigation, as well as its complexities, servicers can create eternal customer loyalty. Previous: The Intersection of Mortgage and Fintech Next: REO Activity’s Ups and Downs Jane Mason is the Founder and CEO of Clarifire and the creator of the CLARIFIRE, a sophisticated, automated workflow engine that streamlines and integrates all of an organization’s business operations. Under Mason’s leadership, CLARIFIRE has won numerous awards over the years including one of Cloud’s Top 500 Applications Vendors for the past two consecutive years. She can be reached at [email protected] or on LinkedIn at LinkedIn.com/in/clarifire. Subscribe Demand Propels Home Prices Upward 2 days ago Disaster 2019-10-16 Seth Welborn October 16, 2019 1,244 Views Related Articles About Author: Jane Masoncenter_img Share Save Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Natural Disaster Meets Digital Disruption Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Tagged with: Disaster The Best Markets For Residential Property Investors 2 days ago  Print This Postlast_img read more

Default Servicing’s Most Popular Topics in 2019

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Subscribe  Print This Post The Best Markets For Residential Property Investors 2 days ago default HOUSING Servicing 2019-12-20 Seth Welborn Servicers Navigate the Post-Pandemic World 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago Previous: Presidential Candidates Lay Out Housing Plans Next: Fitch Ratings: SALT Deductions Stalling Growth and RMBS Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago in Daily Dose, Featured, Government, Market Studies, Newscenter_img Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. December 20, 2019 2,465 Views About Author: Seth Welborn Mortgage credit performance, with a focus on mortgage default rates, was one of the most popular topics among mortgage professionals in 2019, according to CoreLogic’s year-end lookback. According to CoreLogic, the most read blog article for 2019 discussed decreases in serious delinquency rates and the differences in delinquencies for conventional, FHA and VA loans. The January article, “Mortgage Delinquency Rates for All Loan Types Continue to Fall,” identified year-over-year mortgage delinquency rate declines between 2018 and 2017, an ongoing trend that continued into 2019.  For example, the most recent CoreLogic Mortgage Monitor Report revealed that the overall delinquency rate was 3.8% nationwide in September, down from 4.4% a year earlier and the lowest for the month of September in more than 20 years.While overall delinquency fell, serious delinquency rates have begun to flatten out at low levels. The serious delinquency rate, defined as 90 days or more past due, including loans in foreclosure, was 1.3% in September 2019, down from 1.5% in September 2018. Likewise, the share of mortgages that were 30 to 59 days past due—considered early-stage delinquencies—was 1.9% in September 2019, down from 2.2% in September 2018. The share of mortgages 60 to 89 days past due was 0.6% in September 2019, down from 0.7% in September 2018.Another popular topic in 2019 was the Qualified Mortgage GSE Patch, along with the nature of non-qualified mortgages. Earlier this year, the CFPB announced that it would be focusing its attention on the Patch, on loans that are eligible to be purchased or guaranteed by either Fannie Mae or Freddie Mac. While proponents of the QM Patch say that its expiry in 2021 would make homes less affordable, especially in the lower-tier housing market, an article in Forbes points out that if the Trump administration wants to improve housing affordability, “it needs to expand the role of private markets through increased competition.”CoreLogic’s complete list of the most popular topics this year can be found here. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Default Servicing’s Most Popular Topics in 2019 Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Default Servicing’s Most Popular Topics in 2019 Tagged with: default HOUSING Servicing Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days agolast_img read more

“Prima Facie Vexatious”; Bombay High Court Asks Petitioner Challenging Constitutional Validity Of Epidemic Diseases Act To Deposit 1 Lakh

first_imgNews Updates”Prima Facie Vexatious”; Bombay High Court Asks Petitioner Challenging Constitutional Validity Of Epidemic Diseases Act To Deposit 1 Lakh Nitish Kashyap5 Dec 2020 3:45 AMShare This – xThe Bombay High Court on Wednesday directed a petitioner challenging the constitutional validity of the Epidemic Diseases Act to deposit Rs. 1 lakh with the registry in order for it to be heard or else it will be dismissed opining that prima facie the said PIL is vexatious.Division bench of Chief Justice Dipankar Datta and Justice GS Kulkarni were hearing the Public Interest Litigation filed…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe Bombay High Court on Wednesday directed a petitioner challenging the constitutional validity of the Epidemic Diseases Act to deposit Rs. 1 lakh with the registry in order for it to be heard or else it will be dismissed opining that prima facie the said PIL is vexatious.Division bench of Chief Justice Dipankar Datta and Justice GS Kulkarni were hearing the Public Interest Litigation filed by lawyer Harshal Mirashi who sought lifting of lockdown restrictions imposed after both the State and Central governments invoked the Epidemic Diseases Act.After hearing the petitioner in person, the bench observed-“We are prima facie of the opinion that this is a vexatious writ petition filed as a Public Interest Litigation. In exercise of the powers conferred by Rule 7A of the Bombay High Court Public Interest Litigation Rules, 2010, we call upon the petitioner to put in a security amount of Rs.1 Lakh within a week from date. If such security amount is put in, the writ Petition shall be listed on the following working day for further consideration. In the event, however, the security amount is not put in, the writ petition shall stand dismissed without reference to the Bench.”The petitioner had initially approached the apex court in the matter and the case had come up for hearing before the bench of Justice DY Chandrachud and Justice Indira Banerjee. The bench had asked the petitioner at the outset-“What kind of a writ petition have you filed? Don’t you have something called the High Court of Judicature of Bombay?”When the petitioner responded saying Epidemic Diseases Act is a Central Act, Justice Chandrachud had said-“We have the power, but the High Courts also do have the power to consider the validity of any law or to strike it down. Since the High Courts also have the power, it is desirable to go to the High Court!”, Both the judges noted that they have struck down laws sitting as High Court judges and observed that an efficacious and alternative remedy exists before the High Court under Article 226. Thus, the Supreme Court granted the petitioner liberty to withdraw the plea. Thereafter the petitioner approached the High Court.Click Here To Download Order[Read Order]Next Storylast_img read more

Two vital projects in Donegal set to benefit from €3.2M

first_img By News Highland – November 23, 2018 Twitter Google+ Two vital projects in Donegal set to benefit from €3.2M RELATED ARTICLESMORE FROM AUTHOR Previous articleFears Child & Adolescent Mental Health services getting worseNext articleGovernment urged to prioritise rural employers in broadband plan News Highland News, Sport and Obituaries on Monday May 24th WhatsApp Two vital tourism and enterprise projects in Donegal are set to benefit from €3.2 million in funding.€1.7 million is being made available to facilitate the reopening of Swan Park in Buncrana and the remainder, €1.5 million will go towards an extension at Áislann Ghaoth Dobhair.In announcing the funding, Minister Joe McHugh says this is the first tranche of funding to be released as part of a €55 million fund and is hopeful further funding for the county will be secured early next year:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2018/11/mchughjkhjkhkjh1pm.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume.Councillor Mickey Doherty has also been welcoming the funding for Swan Park.He says its hopeful work will began on the restoration of the local amenity in early 2019:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2018/11/michkeyd10.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Facebook Loganair’s new Derry – Liverpool air service takes off from CODA Twittercenter_img AudioHomepage BannerNews Google+ Nine til Noon Show – Listen back to Monday’s Programme Pinterest WhatsApp Facebook Arranmore progress and potential flagged as population grows Pinterest Important message for people attending LUH’s INR clinic Community Enhancement Programme open for applicationslast_img read more