General Electric set to agree bid for UK services firm Wellstream KCS-content Tags: NULL Show Comments ▼ Sunday 12 December 2010 11:03 pm by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStoryMoneyPailShe Was A Star, Now She Works In ScottsdaleMoneyPailTotal PastThe Ingenious Reason There Are No Mosquitoes At Disney WorldTotal PastNoteabley25 Funny Notes Written By StrangersNoteableySerendipity TimesInside Coco Chanel’s Eerily Abandoned Mansion Frozen In TimeSerendipity TimesBetterBe20 Stunning Female AthletesBetterBeHistorical GeniusHe Was The Smartest Man Who Ever Lived – But He Led A Miserable LifeHistorical GeniusMagellan TimesThis Is Why The Roy Rogers Museum Has Been Closed For GoodMagellan TimesElite HeraldExperts Discover Girl Born From Two Different SpeciesElite Herald More From Our Partners Astounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.org whatsapp whatsapp Share US conglomerate General Electric (GE) is said to have agreed a £755m-plus takeover of the UK oil and gas services group Wellstream.Wellstream previously rejected GE’s offer of 750p, which valued the UK firm at £755m, as too low.However, the latest deal, agreed in the last few days, is reportedly higher than 750p a share but less than 800p.Wellstream, which makes flexible pipes used by oil companies in deep water, has a manufacturing facility in Brazil. This has been a key attraction for potential buyers because the country is keen for locally produced materials to be used in extracting its billions of barrels of oil reserves.The agreed deal, reported by the FT, is GE’s second substantial energy sector acquisition in two months.Wellstream refused to comment.
Uncategorized RegTech is often viewed as a sub-section of FinTech, one of the most exciting and rapidly developing industries. What constitutes RegTech, and how can these technologies benefit operators? Subscribe to the iGaming newsletter 6th April 2020 | By AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter RegTech is often viewed as a sub-section of FinTech, one of the most exciting and rapidly developing industries. What constitutes RegTech, and how can these technologies benefit operators?This webinar will look at the available technologies, how they are incorporating next-generation solutions and what this means for compliance. Topics: Uncategorized Upcoming webinar: RegTech – taking the FinTech approach to igaming compliance Is RegTech just for compliance, or does it offer more in terms of maintaining best practices and standards? How can RegTech improve operators bottom lines? How do current RegTech solutions specifically address the unique needs and demands of the igaming market? Are operators prepared to hand over these intricate and demanding processes to third-party suppliers? What happens if they don’t? Email Address
We’re two rounds down in the Six Nations and approaching the halfway point so which players are getting ahead of their rivals in the race for the Lions? LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS TAGS: Highlight Sure thing: On current form, Owen Farrell is a front-runner for the Lions Test team The British & Irish Lions boss Warren Gatland must be tearing his hair out about who to pick for the squad in New Zealand in the summer, never mind the Test team. But if he had to play the All Blacks at Eden Park tomorrow, who would be in side? Apologies to the players who have not featured in the first couple of rounds of the Six Nations, but if you are not match fit now then you are out with the washing on this one. It will all change but here is a starting XV for now as we head to the cupboard to find our tin hats.Full-back: Stuart Hogg (Scotland)No-brainer this one, attack-wise Hogg is miles ahead of his rivals. When we bumped into Gatland a couple of weeks ago he did pick out a couple of defensive mistakes that Hogg made against France, and he has got things to work on at the back. But Hogg is nailed on at the moment. Leigh Halfpenny, Mike Brown and Rob Kearney all have a lot of catching up to do.Wings: Jack Nowell and Elliot Daly (both England)Craig Gilroy misses out by a whisker here but we will stick with Eddie Jones’ preference for a work-rate winger and a speedster. Elliot Daly’s try against the Welsh showed his clinical finishing ability, after he had failed to touch down in the corner against France. That marred an otherwise excellent outing on the wing for England and he followed up in Cardiff. Nowell has not been on the score sheet but did well off the bench in the first game and got through a ton of work against Wales when he started.Versatile: Elliot Daly has the pace of a wing but can play at 15 and 13Centres: Garry Ringrose (Ireland) and Owen Farrell (England)Owen Farrell played the first two games of the Six Nations at 12 so we’ll keep him there for now but he would be playing, at 10 or 12, if the Test match was being played tomorrow or in June. He might not be captain in this line-up but he would be one of the leaders – England came from behind to win their opening two matches when he was captain on the pitch. Kicks his goals and can pass – what is not to like? Comparing Ringrose to Brian O’Driscoll might be a bit premature but he has done a decent impression of the old master, at the age of 22.Fly-half: Dan Biggar (Wales)Biggar might not get in to the tour party in June but he makes the run-on team for tomorrow’s game on the back of a terrific performance, in a losing cause, against England. Under pressure for his Wales spot from Sam Davies Biggar is just the sort of never-give-up merchant who you need against the All Blacks. Not as flamboyant as Davies he is more than just a Steady Eddie as his interception on the Wales line showed.Arch competitor: Dan Biggar adds a competitive zeal to any side he plays inScrum-half: Rhys Webb (Wales) Tackling machine: Jonny Gray has shown an incredible workrate for ScotlandBack row: Sam Warburton (Wales), CJ Stander (Ireland), Ross Moriaty (Wales)Warburton has done a Chris Robshaw. He got released from the captaincy and is playing out of his skin although Robshaw has not had a chance to get in our potential squad because of injury. Warburton was magnificent against England as was Moriaty until his bizarre substitution early in the second half. Stander’s hat-trick against Italy got the headlines but he is more than just a try-scorer and rarely misses a tackle. He looks like an old-school South African back rower – not surprising really. Webb holds off the challenge of Ben Youngs and Conor Murray after a tenacious game against England but all three could easily be on the plane to New Zealand. And if we were playing the All Blacks tomorrow it would be handy to have at least familiar combination in the team. Webb has come back well from an ankle injury and will have a couple of friendly faces to work with in this back row.Props: Cian Healy (Ireland) and Dan Cole (England)Healy came off the bench in Ireland’s defeat to Scotland but started in the thumping of Italy. As another loose-head, Joe Marler, told us this week the front rowers have the worst of it against the Italians, they take their scrummage seriously and Healy showed up well here and round the park. Dan Cole, whose international star looked like it was waning, has risen to the challenge posed by the likes of Kyle Sinckler and England’s set-piece was back in decent working order against Wales.Rock solid: Cian Healy is refinding his best form for IrelandHooker: Jamie George (England)George has only had 59 minutes off the bench in England’s opening two games but has impressed both times he has replaced Dylan Hartley. The Saracens man must be wondering how he gets into the England starting XV, well he can start for this Lions’ team. He does everything a hooker should do – throws in well and scrums well – but has more than a few added extras around the park.Locks: Alun Wyn Jones (Wales,capt) and Jonny Gray (Scotland)We also bumped into Martin Johnson a few days back and if Johnno says that Alun Wyn Jones is good enough to start and captain the Lions that will do for us. Johnson told us: “He plays well in the second row – he does those second row things. I don’t know the guy but what he says is very sensible.” Gray just squeezes in ahead of a host of other locks who might still get the nod. Joe Launchbury, Courtney Lawes, Richie Gray, Donnacha Ryan and Devin Toner are all unlucky but 42 tackles from Gray Jnr in two games edges him over the line.
Share on Facebook Tweet on Twitter Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 TAGSICYMIWeek in Review Previous articleWhat Mindfulness Has Taught Me About Father’s DayNext articleWhat is the summer solstice? An astronomer explains Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your name here 5 stories that shaped Apopka’s news week:6 tips for decreasing residential crime this summerMay showers brings double the rain statewideUpdating Breaking News: Orange County Sheriff’s Office releases name of deceased woman found near Lake ApopkaBreaking News: Man assaulted in South Apopka by “unknown substance”Breaking News: Apopka Fire Station #6 responds to car fire Support conservation and fish with NEW Florida specialty license plate LEAVE A REPLY Cancel reply Please enter your comment! The Anatomy of Fear You have entered an incorrect email address! Please enter your email address here Save my name, email, and website in this browser for the next time I comment.
Projects “COPY” CopyMixed Use Architecture, Apartments, Commercial Architecture•United States Year: CopyAbout this officebuildingstudioOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsMixed Use ArchitectureResidential ArchitectureHousingApartmentsCommercial ArchitectureRetailopen planUnited StatesPublished on June 14, 2010Cite: “Trapezoid / buildingstudio” 14 Jun 2010. ArchDaily. Accessed 12 Jun 2021.
The Trans Fat Temper Tantrum SHARE By Gary Truitt SHARE Facebook Twitter Home Commentary The Trans Fat Temper Tantrum My 2 year old grandson has not yet learned the meaning of “just a minute.” Like most children his age, when he wants something, he wants it now — and by now he means instantly. When mother says just a minute, the world explodes into a tantrum of screaming, kicking, and tears. The officials at the Food and Drug Administration (FDA) are fixated at about the 2 year old level and are currently having a tantrum about trans fat.In 1999 the FDA announced that, by 2006, food manufacturers had to start listing the levels of trans fats on their products. As a result, a rush began to reformulate thousands of food products to lower or eliminate the level of trans fat. This meant the elimination of partially hydrogenated oils (PHOs), one of the sources of trans fat in processed food products. This sent the soybean industry scrambling to develop a new kind of soybean oil that did not produce trans fat when cooked. High oleic soybean oil has emerged as an oil that meets the demands of food processors but does not produce trans fat. High oleic soybean production has been on the rise, with more and more acres of the soybean variety being planted each year. Current projections from QUALISOY indicate that approximately 1.3 billion pounds of high oleic soybean oil will be extracted from the 2016 crop of high oleic soybeans and available for use by the food industry in 2017, with increasing quantities available in subsequent years. Yet, FDA is not willing to wait for the market to catch up. They have proposed to further reduce trans fat consumption by rescinding the generally regarded as safe (GRAS) status for partially hydrogenated oils (PHOs), including partially hydrogenated soybean oil. This action will force food processors to switch from healthy oils, like soy, to palm and other imported oils that are high in saturated fat. ASA stated, “The saturated fat profile of palm oil is 6.7 grams of saturated fat per tablespoon, compared to just 2 grams for soybean oil. The result of this trade-off would be a ‘lose-lose’ for both the government and American consumers.”The American Feed Association is also concerned about the proposed FDA rule. In a statement, they said FDA does not clearly define that the phase-out process only applies to human food for consumption and not animal food. “AFIA believes FDA’s tentative determination on trans fats is unclear in areas as it does not verify that the language is not valid for food for consumption by animals other than man,” said Leah Wilkinson, AFIA director of ingredients, pet food and state affairs.Whether it is producing healthier oils in which to cook our food, or producing renewable fuel to run our cars, American agriculture is up to the challenge. Yet, it is the heavy hand of government that is meddling with the free market and slowing the eventual solution to the problem. The FDA is not willing to wait for the market to solve the problem but wants to force their solution regardless of the consequences.Not only would the FDA action make food less healthy not more healthy, it would also hamper future developments that might improve the health and safety of our food supply. According to the American Soybean Association, “We believe that the FDA’s proposal is so sweeping in its application that it would stymie technological advances in oil processing that aren’t even envisioned today. As there is no definition of ‘partially hydrogenated,’ and as we know that the term encompasses a whole spectrum of oils, we are concerned that new technologies would be a casualty of the FDA’s proposal.”Since the original FDA mandate, trans fat consumption has fallen by 70% thanks to industry innovation and education. Another few years will likely see this number continue to grow. However, that is not good enough for the regulators in Washington. Previous articleStations Offering E-85 Continues to GrowNext articleIndiana Forum this Week to Focus on Farm Policy and Data Gary Truitt By Gary Truitt – Mar 9, 2014 Facebook Twitter
“Ignorance can only be dissolved through our willingness to educate. With this panel we strive to educate our community on the “T” in the LGBTQ+ and all who identify under the “T” umbrella,” said co-organizer Cason Esquivel. Credit: Cason Esquivel. Making the first year count Twitter Grace Toupshttps://www.tcu360.com/author/grace-toups/ Linkedin ReddIt ReddIt printJake Ballinger is used to living in the shadow. Although he transitioned as a female to male transgender nine years ago, it’s only been in the last three months that he’s publicly lived his true identity. “The reason that I was staying stealthy was for the safety of my family, and I clung to it like it was the Holy Grail,” Ballinger said. “It hurt me, it hurt my relationships with friends, it hurt my family. It took me losing these things to realize there needed to be a change in my life.”As an organizer of Fort Worth’s Transgender Day of Visibility, Ballinger wants more people to feel free to be who they are. + posts Grace is a senior journalism major and minor in business. She grew up in Tampa, Florida and loves to spend time in the sunshine with her friends. She can’t start her day without a cup of coffee and when she’s not in the media lab you can find her exploring hidden gems in Fort Worth. Twitter Water line breaks affect Moudy for third time this year Grace Toupshttps://www.tcu360.com/author/grace-toups/ Grace Toupshttps://www.tcu360.com/author/grace-toups/ Grace Toupshttps://www.tcu360.com/author/grace-toups/ Building sustainability together The Day of Visibility is held each year on March 31 to celebrate transgender people around the globe and their courage to live openly and authentically, while also raising awareness around the discrimination they face.Transgender is an umbrella term for persons whose gender identity, gender expression or behavior do not conform to that typically associated with the sex to which they were assigned at birth, according to the American Psychological Association.“Sometimes being seen can be uncomfortable and awkward,” Ballinger said.Normalizing how people view transgenders in the world is Ballinger’s biggest objective; he wants the community to understand that transgender people are human beings that deserve the same rights non-transgender people have. “The whole basis is not just to be visible to cis-genders,” Ballinger said, “but to help all of our brothers and sisters understand that we need to be normalized and visible.”The event will be held at Celebration Community Church in Fort Worth and will include a moderated panel of representatives of the female to male (FTM), male to female (MTF), non-binary/gender-fluid and significant others, family, friends and allies (SOFFA) will host a Q&A panel. Finnigan Jones, executive director and co-founder of Trans-Cendence International, Inc., will open and close the presentation.Finnigan Jones, executive director of Trans-Cendence International, Inc. will be the guest speaker at the event. Credit: Grace ToupsEach panelist will answer four questions in a five-minute time span, leaving the remaining 15-30 minutes for audience questions. “It feeds my soul knowing that what we are doing can help other trans individuals be true to who they are, so the ones who are just discovering who they are can see they are not alone and that there are people just like them out there willing to help them,” co-organizer Cason Esquivel said. Following the panel discussion, there will be refreshments and an opportunity to meet the panelists. Representatives from Trans-Cendence International, Inc., Coalition for Aging LGBT, PFLAG and AARP will table the event and offer LGBTQ+ resources and information.“The first thing we have to do is teach people,” Ballinger said. “Once people have an understanding, then you have to become visible and try to get all of these other people visible, which is terrifying and difficult, but we have to start somewhere.”Making its debut at the tabling event is Ballinger and Esquivel’s ‘Umbrella’ program: providing a resource directory for transgendered people to call or text 24/7. They hope to have a physical location within the next year that will provide medical, legal, physical defense, mental health and clothing assistance for anyone who falls under the ‘T’ umbrella in LGBTQ+. “Sometimes you just need someone to listen, and we can do that,” Ballinger said.The event will be held at 5 p.m. on March 31. Doors will open at 4:15, and Ballinger predicts there will be standing room only. Those not in attendance are also encouraged to send in questions through the live stream located on their Facebook page. Linkedin Facebook Marathon runner persists after being mauled by a pit bull Welcome TCU Class of 2025 Grace Toups Previous articleCounseling available as TCU mourns a student’s deathNext articleWomen’s basketball tops Cincinnati to advance to WNIT semifinals Grace Toups RELATED ARTICLESMORE FROM AUTHOR World Oceans Day shines spotlight on marine plastic pollution TCU places second in the National Student Advertising Competition, the highest in school history Facebook
UzbekistanEurope – Central Asia Receive email alerts Uzbek blogger facing possible 10-year jail term to go further RSF_en Reporters Without Borders (RSF) called today on US secretary of state Colin Powell to use his influence to stop the Uzbek government “brutally repressing” the country’s independent journalists. It noted the physical attack on one of them, Ruslav Sharipov, shortly before he was due to go to the United States to testify about the worsening human rights situation in Uzbekistan.In a letter to Powell, RSF secretary-general Robert Ménard said: “The regime of President Islam Karimov is using the excuse of fighting terrorism to brutally repress any independent journalism in the country. We ask you to use your influence with the Uzbek authorities to stop them threatening the media and also to let them know that the United States is concerned about the fate of Mr Sharipov.”RSF learns that Sharipov, the Uzbekistan correspondent of the Russian news agency Prima, president of the Uzbek Independent Journalists’ Union and editor of an Internet web, was attacked on 5 February by three men, one of whom tried to strangle him. The next day he was attacked again by two men who hit him on the head and in the stomach and seized his passport and journalist’s card. Sharipov is due to travel soon to the United States at the invitation of the International Human Rights League to testify about the serious threats to journalists and defenders of individual freedom in Uzbekistan.He was previously attacked on the night of the 30th of January in Tachkent by two representatives of the police force. Ruslan Sharipov and the press agency Prima consider that this attack is tied to an article recently written by the journalist concerning the referendum of the 27th of January on the extension of the presidential mandate of president Islam Karimov. In 2001, Ruslan Sharipov and members of his family were already subjected to a number of pressures from the authorities. On the 12th of July, 2001 he was chased by employees of the security service (NSS) while on his way to the court of Tachkent where he was going in order to cover a trial. His assailants were about to hit him when passer’ bys intervened. The journalist managed to take refuge in the local headquarters of the Organisation for the Security and Cooperation in Europe (OSCE). He had published, at the end of August, a series of articles denouncing the repression of Muslims in the country and was otherwise making an investigation on the suspicious deaths of a number of opponents. Following these incidents Ruslan Sharipov requested, in an open letter to the Uzbek president, an end to being tailed by the security services, an end to pressures being made on his family, and that he may be allowed to pursue his profession as an independent journalist. Organisation News News Follow the news on Uzbekistan News New press freedom predators elected to UN Human Rights Council May 11, 2021 Find out more News February 8, 2002 – Updated on January 20, 2016 An independent journalist in danger More than six years in prison for Uzbek blogger who covered corruption February 11, 2021 Find out more UzbekistanEurope – Central Asia Help by sharing this information October 15, 2020 Find out more
Herbeauty10 Secrets That Eastern Women Swear By To Stay Young LongerHerbeautyHerbeautyHerbeauty7 Most Startling Movie Moments We Didn’t Realize Were InsensitiveHerbeautyHerbeautyHerbeauty6 Strong Female TV Characters Who Deserve To Have A SpinoffHerbeautyHerbeautyHerbeauty15 things only girls who live life to the maximum understandHerbeautyHerbeautyHerbeautyHere Is What Scientists Say Will Happen When You Eat AvocadosHerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeauty Community News Pets of the Week at the Pasadena Humane Society From STAFF REPORTS Published on Tuesday, January 3, 2017 | 12:08 pm Community News 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 Showtimes Sammy (A410653) is a one-year-old, male, white and gray Australian shepherd mix. This adorable guy absolutely loves people. He’ll drop low to the ground and wiggle excitedly when he sees you before lapping up all the affection he can get. He loves being petted, but his absolute favorite is belly rubs. Once he’s had a chance to get to know you, he’ll plop down at your feet to let you know it’s time to rub his tummy! This lively pup also enjoys chasing a ball. And since he still has a lot of his puppy energy, he’d love an adopter with plenty of time for playing!The adoption fee for dogs is $125 and includes the spay or neuter surgery, microchip, and vaccinations.New adopters will receive a complimentary health-and-wellness exam from VCA Animal Hospitals, as well as a goody bag filled with information about how to care for your pet.Call the Pasadena Humane Society & SPCA at (626) 792-7151 to ask about A4106563, or visit at 361 S. Raymond Ave. in Pasadena. Adoption hours are 11 a.m. to 4 p.m. Sunday; 9 a.m. to 5 p.m. Tuesday through Friday; and 9 a.m. to 4 p.m. Saturday. The Pasadena Humane Society will close at 3 p.m. on New Year’s Eve and be closed on New Year’s Day.Pets may not be available for adoption and cannot be held for potential adopters by phone calls or email. Directions and photos of all pets can be found at pasadenahumane.org. Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Norris (A410468) is an adult, male, all-white hamster with a face that will melt your heart. Like most hamsters, Norris is very energetic and loves to explore. Whether he’s burrowing into a new corner of his cage or finding new sights and smells in the play area, Norris is constantly on the go. But that isn’t to say he doesn’t have a softer side to him. Norris is very comfortable around humans and enjoys crawling on their laps and clothing. If you’re looking for a pocket pet who’ll keep you entertained with his energetic personality, look no further than Norris.The adoption fee for hamsters is $5.New adopters will receive a complimentary health-and-wellness exam from VCA Animal Hospitals, as well as a goody bag filled with information about how to care for your pet.Call the Pasadena Humane Society & SPCA at (626) 792-7151 to ask about A410468, or visit at 361 S. Raymond Ave. in Pasadena. Adoption hours are 11 a.m. to 4 p.m. Sunday; 9 a.m. to 5 p.m. Tuesday through Friday; and 9 a.m. to 4 p.m. Saturday.Pets may not be available for adoption and cannot be held for potential adopters by phone calls or email. Directions and photos of all pets can be found at pasadenahumane.org. 0 commentsShareShareTweetSharePin it Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Name (required) Mail (required) (not be published) Website Here are the Pets of the Week available for adoption at the Pasadena Humane Society this week: First Heatwave Expected Next Week 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. Top of the News Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Community News More Cool Stuff Business News Your email address will not be published. Required fields are marked * Subscribe EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Make a comment
Credit Access Index Default Risk HCAI Home Purchase Loans Mortgage Credit Access Urban Institute Housing Policy Finance Center 2016-01-12 Brian Honea Print This Post Home / Daily Dose / Home Purchase Loans Are Becoming Less Risky Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago January 12, 2016 1,329 Views Previous: Fannie Mae Offers Largest Delinquent Loan Sale to Date Next: Home Prices Slip on the Oil Slide Demand Propels Home Prices Upward 2 days ago Tagged with: Credit Access Index Default Risk HCAI Home Purchase Loans Mortgage Credit Access Urban Institute Housing Policy Finance Center Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Market Studies, News Data Provider Black Knight to Acquire Top of Mind 2 days ago Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. About Author: Brian Honea According to the Urban Institute Housing Policy Finance Center’s latest credit availability index (HCAI), which is a measure of the percentage of home purchase loans that are likely to default, home purchase loans became less risky over the third quarter of 2015 as lenders have become less willing to tolerate defaults, continuing a trend from over the last four quarters.The HCAI dropped from 5.3 in Q2 down to 5.0 in Q3 2015, drawing closer to the record low of 4.6 from the third quarter of 2013. A lower HCAI indicates that lenders have imposed tighter lending standards due to an unwillingness to tolerate defaults, and therefore mortgage credit access is tighter; a higher HCAI indicates that lenders are willing to tolerate more risks and have looser lending standards, thus making mortgage credit more available.Mortgage credit availability in the GSE channel, which includes Fannie Mae and Freddie Mac, has expanded at a faster rate than the government (FVR) channel recently. Since the second quarter of 2011, when the downward trend of mortgage credit availability in the GSE channel reversed, the total risk taken in that channel has leaped from 1.4 percent to 2.1 percent—an increase of 50 percent.For the government channel (FVR), comprised of the Federal Housing Administration, the Department of Veterans Affairs, and the Department of Agriculture Rural Development Program, mortgage credit availability has gone in the opposite direction. The risk of default that the government loan channel was willing to take on was reported at 9.8 percent in Q3 2015. While still slightly above its record low of 9.6 set in 2013, the last four quarters have seen a decrease in credit availability in the FVR channel.The total default risk for the portfolio and private-label securities (PP) channel for Q3 2015, which was reported at 2.4 percent, matching its record low, although this market took much higher product risk than the FVR and GSE channels during the housing bubble.The decline in overall HCAI from Q2 to Q3 from 5.3 to 5.0 means that mortgage credit quality has improved. Two reasons are responsible for this, according to Housing Policy Finance Center senior research associate Wei Li.“On the supply side, lenders could be taking less default risk than the previous quarter when they originate loans, either through stricter underwriting standards or through offering less risky product,” Li said. “On the demand side, there could be more high-quality borrowers applying for mortgages than low-quality borrowers; or same group of borrowers demand more safe loan products than risky products.”Overall, researchers determined based on the HCAI that mortgage credit availability is very tight.“Significant space remains to safely expand the credit box,” the report stated. “If the current default risk was doubled across all channels, risk would still be well within the precrisis standard of 12.5 percent in 2001–03 for the whole mortgage market.”Click here to view the methodology behind the HCAI.Click here to view a FAQ on the HCAI. Home Purchase Loans Are Becoming Less Risky The Best Markets For Residential Property Investors 2 days ago Subscribe The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Share Save