<a href=”http://www.etbtravelnews.global/click/22d4c/” target=”_blank”><img src=”http://adsvr.travelads.biz/www/delivery/avw.php?zoneid=132&cb=INSERT_RANDOM_NUMBER_HERE&n=a238f441″ border=”0″ alt=””></a> Source = e-Travel Blackboard: W.X Despite a few major accidents in 2009, the year just passed has been one of the best in terms of safety performance, recording the second lowest accident rate in aviation history.According to the latest report from the International Air Transport Association (IATA) the 2009 accident rate was 0.71%, or one incident one accident for every 1.4 million flights.Altogether there were 90 accidents in all aircraft types, compared to 109 in 2008, and of these 18 were fatal incidents, compared to 23 in 2008.“Safety is the industry’s number one priority. Even in a decade during which airlines lost an average of US$5 billion per year, we still managed to improve our safety record. Last year, 2.3 billion people flew safely,” said Giovanni Bisignani, IATA Director General and CEO.“But every fatality is a human tragedy that reminds us of the ultimate goal of zero accidents and zero fatalities.”In 2009 fatalities were higher recording 685 fatalities compared to 502 in 2008. North Asia carriers saw no accidents in Western-built aircraft this year, while North America passenger carriers recorded no fatal incidents as the only fatal incident involved a FedEx aircraft.
Source = e-Travel Blackboard: C.F Low-cost carrier Jetstar has made a controversial decision to sack Joseph Eakins, an experienced pilot, after he voiced his concerns over the airlines’ offshore employment strategy in a Sydney Morning Herald opinion piece. In the SMH opinion piece, Mr Eakins wrote, the culture of aviation safety in Australia will be “obliterated if the offshoring push continues”, “Draconian workplace conditions can be imposed through the use of foreign ‘bases of convenience’, allowing …Third World wages and working conditions,” he wrote. Jetstar spokesman Simon Westaway told Ninemsn that the opinion piece breached the Qantas subsidiary’s code of conduct”’It relates to not making public information which is either false or misleading or brings the company into disrepute,” he was quoted as saying by the Sydney Morning Herald.”There are mechanisms around the release of information to the public and they obviously weren’t followed and were in breach of the agreements.” The Australian and International Pilots Association said it would challenge Jetstar under the unfair dismissal laws and hopes that Mr Eakins’ will be reinstated.
Source = e-Travel Blackboard: P.T Three unions have teamed challenging Qantas (QF) to continue operating its heavy maintenance facilities in Australia. The Australian Workers Union, Australian Manufacturing Workers Union (AMWU) and Electrical Trades Union have aligned in an effort to save jobs display Australia’s potential as a worldwide manufacturing hub. AMWU national assistant secretary Glenn Thompson said the only way to uphold Qantas’ first-class safety record is to have maintenance operations remain in Australia. “Qantas’ safety record comes down to its highly qualified and highly skilled workers,” said Mr Thompson. Qantas is currently reviewing its heavy maintenance operations and facilities based in Victoria and Queensland at Avalon, Tullamarine and Brisbane. The airline reported sustainability issues earlier this year in February and March, when CEO Alan Joyce said the company “must adapt or die”.The airline will reveal its decision regarding maintenance operations on April 16, 2012. Glenn Thompson AMWU AustraliaImage Source: Union Book
Tourism Australia has confirmed that it has offered a job to one of the unsuccessful applicants in its ‘Best Jobs in the World’ competition.Catching the bureau’s attention, 22-year-old Melbourne based photographer, Ellenor Argyropoulos will join Tourism Australia’s social media team, where she will use her photographer skills to create destination content for its Facebook, Twitter, Instagram and Google+ channels.Tourism Australia managing director Andrew McEvoy said Ms Argyrophoulos demonstrated the ability create “buzz” around her work and her passion for the destination made her “even more ideally suited for this special role”.As part of her first duty with the bureau, Ms Argyrophoulos will be required to document the Best Jobs in the World competition’s final week.18 finalists remain in the competition, with only six set to win jobs, which include; Wildlife Caretaker (South Australia), Chief Funster (New South Wales), Park Ranger (Queensland), Taste Master (Western Australia), Outback Adventurer (Northern Territory) and Lifestyle Photographer (Melbourne, Victoria).As part of the final week, each candidate will be flown to Australia to take part in a series of challenges relevant to the position they have applied for, with winners to be announced in Sydney on 21 June.Source = e-Travel Blackboard: NJ When being unsuccessful turns to luck.
The chief executives of Etihad Airways, Singapore Airlines and Air New Zealand will join the Virgin Australia board as executive directors.The move reflects the respective airlines’ investments in Virgin as an upstart challenger to Qantas Airways, together they own nearly 70 per cent of the airline.Etihad chief executive James Hogan, Singapore Airlines chief executive officer Goh Choon Phong and Air NZ chief executive Christopher Luxon will join for the first board meeting in Sydney.The airlines are both friend and foes, collaborating and competing in a variety of markets.Virgin Australia has written up protocols to manage inevitable conflicts of interest however, it is unclear if this will help solve board disagreements.Source = ETB News: Tom Neale
Starwood Hotels and Resorts Worldwide, Inc. today announced plans to debut in South Australia with the signing of Aloft Adelaide in the state capital. Owned by local developer, Sturt Land Pty Ltd, a joint venture between local construction group Tagara and Melbourne-based developer Colvid, the signing of Aloft Adelaide marks the Aloft brand’s, a vision of W Hotels, third property to enter the Australian market.Slated to open in early 2018, the new-build hotel will form the centrepiece of New Mayfield, a mixed-use development set to reinvigorate inner-city Adelaide.“We are thrilled to be expanding into South Australia for the first time with the signing of Aloft Adelaide,” said Sean Hunt, Regional Vice President, Starwood Hotels & Resorts, Pacific. “Adelaide is set for major growth over the next few years and we foresee significant business and leisure demand for innovative and design-led hotel options, such as Aloft.”Located just 20 minutes away from Adelaide Airport at 43-69 Sturt Street, on the corner of Norman Street, Aloft Adelaide will feature 200 loft-like guestrooms. The hotel will also feature an indoor glass bottom rooftop pool, 24-hour fitness centre with a rooftop running track, and 500 square metres of flexible meeting space.Designed by globally renowned architecture firm Woods Bagot and local landscape architects Oxigen, Aloft Adelaide will introduce a new age of design to Adelaide’s emerging hotel scene. The hotel will open as part of phase two of the New Mayfield development, that features an exciting mix of sustainably designed residential, retail and dining spaces, cycle-ways and an integrated village square with public art installations and water features.“The New Mayfield project will form a vibrant, social space in the heart of Adelaide creating an ideal platform to showcase Starwood’s design-led Aloft brand. With an overall injection of AUD$300 million, this development is going to take urban design and living to new levels and Aloft Adelaide will be the jewel in the crown,” said David Bertram, Director of Sturt Land Pty Ltd.He continues, “Starwood Hotels & Resorts and Sturt Land Pty Ltd share the same vision, to create a modern urban-influenced design which entices locals and visitors seeking a buzzing social scene in an unbeatable city location. We look forward to working with Starwood to make this a reality.”Aloft Adelaide will feature the brand’s innovative and exclusive initiatives that set it apart from the competition. The hotel will be amongst the first in the Australian market to showcase Starwood’s recently announced SPG Keyless — the hospitality industry’s first mobile, keyless entry system allowing guests to use their smart phone as a key. The technology will be available at select Aloft, Element and W Hotels worldwide by end 2015.Source = Starwood Hotels & Resorts
The race is on – keep voting for the wonderful Whitsundays!The race is on – keep voting for the wonderful Whitsundays!The Whitsundays is currently top in the annual Experience Oz ‘Australia’s Top 10 Destinations to Experience’ poll, which asks international travellers and domestic visitors to vote for their favourite spot in Australia.But the line-up is tight, with the Whitsundays just 6.2 per cent ahead of its close neighbour Mackay, just south of the Whitsundays.Regional Tourism Organisation Tourism Whitsundays is urging everyone to jump online and vote to ensure the Whitsundays maintains its crown. Last year, the Whitsundays romped home with voters naming it the number one spot in Australia to experience.So far this year, the Whitsundays have 22.5 per cent of the vote and Mackay has 16.3 per cent. Also ranking in the top 5 currently are The Kimberley, Ballarat and Newcastle.Tourism Whitsundays CEO Craig Turner said the race was on for the top spot and it was important for people to have their say if they hadn’t already voted.“We can’t let Mackay beat us – much as we love our neighbours down the road,” he said laughingly.“The Whitsundays took out top spot last year and it would be great to win it again this year.We know the Whitsundays is the best destination in Australia – it doesn’t surprise us that a lot of other destinations are competing with us – but we are a destination that has something for everyone.“The Whitsundays appeals to independent travellers, families, couples and honeymooners, and offers access to the 74 Whitsunday Islands, Whitehaven Beach and the Great Barrier Reef, including Heart Reef, which can only be seen in the Whitsundays.“We also have more than 600,000 bed-nights on the ocean every year, magnificent barramundi fishing in Lake Proserpine and a reef you can walk to from Bowen.”Voting closes at 11.59pm on Monday October 23. Visit https://www.experienceoz.com.au/en/whitsunday-top-destinations#votenow to cast your vote. Voters also have the chance to win an epic trip to one of Australia’s top destinations.The Whitsundays has ranked in the top three spots in every ‘Australia’s Top 10 Destinations to Experience’ poll since its inception.Last year, Whitsunday Island was also voted the number one island to experience in the poll, which is run by Experience Oz, the premier website for travel experiences in Australia.To find out more about the Whitsundays and to book your next tropical escape, visit Tourism Whitsundays website www.tourismwhitsundays.com.auSource = Tourism Whitsundays
Abercrombie & Kent rewards loyal customersLuxury travel company Abercrombie & Kent has launched its loyalty programme, Marco Polo Club, to acknowledge and reward its valued frequent travellers. Guests are eligible upon making a deposit on their third booking with A&K Australia (applicable bookings go back as far as 2012) and entry is free.Membership benefits include:5% savings* for the member and immediate family travelling with them, when they make a new booking within nine months of returning from an A&K journey (or within nine months of club launch)50% off the published single supplement on selected journeysMembers-only onboard reception on A&K’s Luxury Expedition CruisesVIP acknowledgement and gifts when travellingPriority waitlist on sold-out journeysExclusive member communications and eventsVarious travel partner savings and benefitsAutomatic enrolment for spouses*Savings apply on bookings of seven nights or more on A&K private and small group journeys (except Private Jet journeys and Inspiring Expeditions by Geoffrey Kent). Not valid on international and internal air, select promotional offers and non-A&K services (travel insurance, visas etc.).To book your A&K itinerary today or to enquire further please contact Abercrombie & Kent on 1300 590 317 or visit www.abercrombiekent.com.auAbercrombie & Kent is the world’s leading luxury travel business. Founded as a luxury safari company in Africa in 1962, A&K has grown into a respected international travel company employing over 3000 staff in more than 100 countries. A&Korganises private, tailored and escorted travel to every corner of the globe and has a wholly owned portfolio of cruise boats, luxury lodges, tented camps, hotels, and all-terrain vehicles. As part of its global commitment, A&K Australia brings a wealth of expertise, experience and attention to detail to any travel arrangements. Whether travelling solo, as a couple, with a family or in an escorted group, A&K is expert in providing luxury, experiential and memorable travel experiences.Abercrombie & Kent. Inspiring Experiences.Source = Abercrombie & Kent
About MSC CruisesMSC Cruises is the world’s largest privately-owned cruise company and the number one cruise line in Europe and South America, South Africa and the Arabian Peninsula. A game-changer in the world of cruises, the Company has achieved 800% growth in its first ten years, building a global reputation in the industry and one of the youngest cruise fleets at sea. MSC Cruises is headquartered in Geneva, Switzerland.The MSC Cruises fleet comprises 17 highly innovative and elegantly designed ships, offering an unparalleled holiday experience with authentic food, award-winning entertainment, plenty of relaxation, comfortable accommodation, as well as impeccable service and expertise.Under its ambitious industry-unprecedented €10.5 billion investment plan, the fleet is set to expand to 24 mega-cruise ships by 2026. To date, MSC Cruises has designed six new ship classes, all prototypes that push the boundaries of marine architecture and design.MSC Cruises feels a deep responsibility towards the physical and human environments in which it operates. The Company operates with the greatest respect for the world’s oceans and is on an ongoing journey to further develop innovative ways of lowering the environmental impact of its cruise passages.MSC Cruises’ holiday experiences are sold across the globe through a distribution network in 67 countries. The Company employs over 17,000 people worldwide, both ashore and on board its ships. MSC Cruises is part of MSC Group which is comprised of leading transport and logistics companies.Source = MSC Cruises Countdown begins to MSC Armonia first cruise to CubaCountdown begins to MSC Armonia first cruise to CubaIn just under two months MSC Cruises, the world’s largest privately-owned cruise line and leading cruise line in Europe and South America, introduces MSC Armonia to Miami for the first time. From December 10th this year, MSC Armonia will offer unique 7-night Caribbean sailings departing from Miami and calling at Montego Bay, Jamaica; Georgetown, Cayman Islands; and Cozumel, Mexico before arriving in Havana, the Cuban capital, on Saturday and staying overnight until Sunday.MSC Cruises’ 7-night programme to Cuba will include two days in the bustling city of Havana over the weekend. And, as excitement builds for this company-first, MSC Cruises will also introduce even more distinct culinary and entertainment features on board the ship to further elevate the guest experience, including elements of the Havana experience brought on board, a brand new specialty restaurant, original theatre performances and more.MSC Armonia will join MSC Seaside and MSC Divina in Miami, further enriching our offer. MSC Cruises’ guests can expect not only a brand new attractive itinerary, but also a variety of enhancements to make the MSC Armoniaexperience that much more memorable. On board, guests will delight in fresh entertainment and new gourmet culinary choices, while ashore; an overnight stay in Havana will allow guests the full experience of this culturally vibrant city.Highlights of the Cuba cruise include the following:NEW ONBOARD CULINARY ENHANCEMENTSA new, mouth-watering specialty restaurantMSC Armonia will introduce a brand new specialty restaurant to the culinary line-up. The 38-seat “Surf & Turf” will serve a delectable menu, where guests can select an appetiser, main course and dessert from an assortment of gourmet options.For main courses, the Surf & Turf offers the best of both worlds, with a delicious filet mignon and tempting cold-water lobster tail. Additional highlights include a Lobster Thermidor, baked in shell with a mushroom cream sauce, and the 18 oz. Certified Angus Beef Bone-in Ribeye. Desserts are as varied as they are divine, with a Guava cheesecake, dressed in a warm Rum sauce, a Red Velvet Cake, and a Seven Layers Mexican Chocolate cake.Havana-inspired Mojito BarBringing the Cuban experience on board, MSC Armonia will transform one of its bars into a Havana haven, with a wide range of Mojito cocktails to choose from, whether traditional or out-of-the-box.Enhanced Pub MenuMSC Armonia’s White Lion Pub will introduce a new and complimentary menu featuring hand-helds like the befitting Cuban sandwich, a Mojo Chicken Quesadilla, an Avocado and Tuna Salad Wrap, and Spinach and Artichoke Dip to share. The pub will also continue serving a wide selection of beers, including four new additions — Heineken, Newcastle Brown Ale, Murphy’s Irish Stout, and Lagunitas IPA.New included delightsMSC Armonia will also introduce some complimentary treats with the cruise experience. MSC Cruises is already known for offering some of the best gelato at sea and now, every creamy bite comes included with the cruise, leaving guests plenty of opportunity to try every flavour on board.In the main dining room, guests will be able to enjoy lobster, at no additional cost. While dining on these elevated offerings, Aurea Experience guests will also have the option to dine al fresco, with a reserved outdoor area, featuring the open water as the backdrop.NEW ENTERTAINMENT CONCEPTSIn addition to MSC Cruises fan-favourite parties like the White Party and Silent Disco, a highlight of MSC Armonia’s entertainment offering will be the addition of local Cuban music while in port, in Cuba. Straight from the city of Havana, various musicians will join guests on board to play the best of local Cuban music during the Saturday evening of the ship’s overnight stay in Havana.MSC Armonia’s evening theatre entertainment will undergo a complete review, with an entire line-up of new performances to be introduced on board. Cruisers will marvel at a new, distinct shows each evening. The shows will include dynamic, virtual sets with the addition of a central upstage LED screen to display a variety of vistas for each show. Shows include:ABYSS: A mermaid’s spectacular adventures under the sea.THE TIME OF MY LIFE: Inspired by the famous 80s film, Dirty Dancing, the show features songs, dances and a story that still captures audiences to this day.THE ADDAMS FAMILY: The quirky family stars in this hilarious show, inspired by the satirical and ironic portrayal of the 20th century American Dream family.FRENCH FOLLIES: An all-French variety show, with artists, dancers, singers that come together for an elegant and joyful show.THE GREATEST: Featuring the best of Broadway, guests are taken through the most iconic pieces of musical theatre.ITALIAN TOUCH: True to MSC Cruises’ Mediterranean heritage, this show will feature Italian music and the most unforgettable Italian songs.MORE TIME TO EXPERIENCE HAVANAWith an overnight stay in the buzzing capital of Cuba, MSC Armonia’s guests will be able to fully enjoy all that the city has to offer day and night. Cruisers will be able to fully immerse themselves in many aspects of Cuban culture, through a variety of unique excursions to choose from. Shore excursions will explore local highlights from music, art and architecture to classic cigar rolling, rum distilling and much more. Guests can:Ride in vintage American cars, a staple of the Havana experience. On this tour, guests will tour the city in classic vehicles down the seafront Malecón boulevards and Wuinta Avenida. Guests will stop for a historic photo opportunity at Plaza de la Revolución, and then head to the famous Christopher Columbus Cemetery. As the drive continues, participants will marvel at some of the city’s key landmarks.Sip on local rum and classic Habanos cigars to learn about a key part of Cuban culture. Guests will visit a cigar factory to watch highly-skilled torcedors as they hand-roll Cuban cigars. Then, cruisers will head to the Havana Club Museum to learn about how freshly cut sugarcane is distilled into rum and then try some of the final product.Dance at Havana’s largest nightclub, the renowned Tropicana Club. Founded in 1939 in Havana’s Marianao suburb, the Tropicana Club is an iconic celebration of Cuban culture with tropical surroundings. Visitors will listen to live music and see a variety of performers in vibrant costumes, while sipping on a local cocktail and dancing the night away.Prior to these current onboard enhancements, MSC Armonia was the first ship in MSC Cruises’ $250 million Renaissance Program, where the ship was stretched in late 2014, adding a variety of new onboard features. The ship has been tailored with a wide range of amenities and services for families, including a brand new splash park for children; exquisite, varied dining offerings; outstanding, all-hours entertainment; a broad choice of relaxation and wellness options, and more – all with the European flair MSC Cruises is known for.For more information on MSC Cruises’ Cuba program, MSC Armonia and to book, contact a preferred travel agent or visit website
In continued efforts to further promote Indian weddings to Thailand, Tourism Authority of Thailand-New Delhi & Tourism Authority of Thailand-Mumbai along with THAI Airways International recently took selected wedding planners to Thailand to promote it as a great destination for Indian wedding celebrations. There were about 30 top Indian wedding planners from Pan-India. TAT hosted the group in Thailand while THAI Airways International was the airline partner.The wedding planners were given a choice of 3 routes to choose from.Route 1: Koh Chang – Pattaya – BangkokRoute 2: Rayong – Pattaya – BangkokRoute 3: Hua Hin – Pattaya – BangkokAll three groups of wedding planners met at Pattaya for the Wedding Symposium, where the Thai private sector was briefed about Indian weddings and best ways to handle the celebrations and live up to expectations of the Indians. In Bangkok a table top session was organised for the group, where they got an opportunity to meet and interact with service providers of various segments in Thailand for Indian weddings.The purpose of this trip was to acquaint and familiarise the top wedding planners of India, with various hotels and facilities available in different destinations of Thailand to host grand Indian weddings and celebrations. This trip covered the inspections of a few world-class hotels and resorts as well as tourist attractions.Post the trip, all wedding planners that participated were given ‘The Thailand Specialist Wedding Planner Certificate’.
Following the success of the first Travel Trade Maldives which took place in the Male, the country’s capital, on 12 and 13 July 2017, the Maldives authority announced second Travel Trade Maldives show which is scheduled to take place over an extended three days from 1 – 3 May 2018.The inaugural Travel Trade Maldives (TTM) Tourism was an extremely important market to the Maldives and the destination continues to welcome an increasing number of tourists, including a 3.2% rise in UK visitors in June 2017, compared to last year. The Maldives government has, therefore, announced plans to develop over 50 resorts before the end of 2018, with estimations that the island nation will have over 50,000 beds available to tourists by 2020.Held at Dharubaaruge in the capital of Male, the travel trade show was the first of its kind in the country which saw over 200 tourism professionals in attendance and attendees included resort and hotel general managers, resident managers, key hotel owners, international travel trade stakeholders and other travel industry professionals. In total, over 3,000 scheduled meetings took place at the show, to discuss business contracts worth more than £776 million ($1 billion) combined.In addition, the first-ever Tourism Career Fair was also held during TTM at the National Art Gallery, with over 2,000 students and industry professionals meeting with hotels and resorts currently recruiting.
‘The Brussels Experience Leisure’ a touristic experiential programme of Visit Brussels held from June 16 -21, 2019 witnessed the participation of 80 professionals from across 11 priority markets. The objective of the trip was to bring to the forefront the touristic offerings of not just Brussels but Belgium as a destination. The Indian contingent was represented by five luxury agents across India and together with the travel agents of different nationalities, the delegation had the opportunity of experiencing the new unique offerings of Belgium. The programme consisted of animated city visits, B2B workshops with 30 local suppliers, visiting unique attractions, beer cart experiences, vintage car drives and memorable dining experiences at fine Michelin star restaurants.In the year 2018, 28,756 Indians visited Brussels and there was a growth of 22% in arrivals from India as compared to the year 2017. Also in the same period, a significant rise of 30% in the number of nights spent in Brussels by Indians has been observed.
“”Ellie Mae””:http://www.elliemae.com/ has released the results from its commissioned study on community banks, and the findings reveal that smaller financial institutions fear the effect that new housing finance regulations could have on their mortgage businesses. The survey, which was conducted by “”T. Aloise & Company””:www.taloise.com/, showed that 51 percent of community bank executives listed changing compliance standards as their most significant challenge.[IMAGE]The poll by Ellie Mae focused on mortgage lending operations at 34 community banks around the U.S., and the company posed key questions about the legislative, regulatory, and competitive factors in the marketplace. Additionally, Ellie Mae examined the implementation and use of technology, as well as changes in consumer relationships, organizational structure, and integration as it relates to mortgage divisions.Ellie Mae’s statistics indicated that the smallest community banks, those with less than $500 million in assets, were specifically concerned about the staffing needs brought on by regulatory issues. Meanwhile, mid-sized community banks, those with $500 to $599 million in assets, were most concerned about the impact compliance-related legislation could have on servicing and loan approval processes.[COLUMN_BREAK]When asked about industry competition, 53 percent of the banks identified larger financial institutions as their main competitors, while 38 percent cited other community banks and 15 percent cited credit unions. Poll inquiries on technological issues showed that around 75 percent of community banks tap into third-party solutions and that the majority of survey participants stated that their mortgage systems do not interact with other core banking systems, though the larger community banks were more likely to boast better platform integration. Speaking out on customer relationships, the community banking sector was divided over the influence of online banking, with one-third of respondents stating that web-based tools have improved consumer services and one-third of participants reporting no positive impact from online solutions. However, most of the banks surveyed agreed that their relationships with customers have changed since the housing crisis, and two-thirds of Ellie Mae’s respondents noted alterations in consumer communication from 2008 to present.Community banks were aligned on operational structure for mortgage divisions as well, with two-thirds of participants stating that the company does not have a mortgage-only branch. Ellie Mae pointed out that the size of the community bank does not seem to be a factor in determining whether or not mortgage divisions are integrated into an organization’s operations.Commenting on Ellie Mae’s data, Jonathan Corr, chief operating officer for the company, said, “”Handling the regulatory, market and technology challenges is something all banks, from multinational entities to small community banks, are facing. However, gaining insight into how community banks view these challenges and how larger, mid-sized and smaller banks within this segment perceive these challenges is vital for any company that provides services to this market.”” in Data, Government, Origination, Secondary Market, Servicing, Technology Agents & Brokers Attorneys & Title Companies Company News Investors Lenders & Servicers Processing Service Providers 2012-08-20 Abby Gregory August 20, 2012 392 Views Ellie Mae Releases Study on Community Banks’ Mortgage Operations Share
Agents & Brokers Attorneys & Title Companies Home Equity Home Values Investors Lenders & Servicers Processing Service Providers 2012-12-21 Krista Franks Brock in Data, Government, Origination, Secondary Market, Servicing Optimism among both real estate professionals and homeowners regarding home values is rising, according to a nationwide “”survey””:http://blog.homegain.com/homegain-market-data/homegain-releases-4th-quarter-2012-national-home-values-survey-results/ by “”HomeGain,””:http://blog.homegain.com/ a website that offers free, instant home values. [IMAGE]Sixty-five percent of real estate professionals say home values will increase over the next six months, according to HomeGain’s fourth-quarter survey. The third-quarter survey found 51 percent of professionals shared this optimistic view. The year-over-year increase in positive outlook was even greater. A year ago, just 15 percent of professionals responding to HomeGain’s survey said home values would rise over the following six months. Optimism is not as high among homeowners, 39 percent of whom say home values will rise over the next six months. This is up from 34 percent in the previous quarter. Eleven percent of real estate professionals believe home values will decrease, while 24 percent believe home values will stay the same over the next six months. [COLUMN_BREAK]About 26 percent of homeowners believe home values will decrease over the next six months, and the remaining 41 percent believe home values will remain unchanged. The outlook for the next two years is even more optimistic than the outlook for the next six months–both from real estate professionals and from homeowners. Seventy-nine percent of real estate professionals anticipate rising home values over the next two years, and 62 percent of homeowners agree. Only 11 percent of professionals and 17 percent of homeowners harbor a negative outlook for home values over the next two years, according to HomeGain. As is always the case, location matters for home value outlook. A full 100 percent of professional survey respondents from Idaho and Michigan say home prices will rise in the next six months. Arizona and Texas brought in an 88 percent positive outlook for the next six months from professionals, and about 80 percent of Indiana’s professional respondents shared a positive outlook. Homeowners were most optimistic in Arizona (63 percent), Nevada (54 percent), Texas (48 percent), Colorado (45 percent), and Wisconsin (44 percent). On the other hand, pessimism among real estate professionals was highest in Colorado (40 percent), North Carolina (25 percent), Indiana (20 percent), Missouri (20 percent), and Tennessee (20 percent). Homeowners were most pessimistic in Oregon (56 percent), Alabama (53 percent), New Jersey (53 percent), Georgia (49 percent), and Missouri (47 percent). Survey respondents included 200 real estate agents and brokers and over 1,500 homeowners. December 21, 2012 439 Views Share price,Survey Finds Increased Optimism over Home Values
August 9, 2016 596 Views Freddie Mac is offering an updated Home Possible Income & Property Eligibility Tool which allows lenders to determine if a borrower meets the income requirements for a low down payment mortgage on a specific property.The map-based Home Possible Income & Property Eligibility tool allows lenders to check for borrower eligibility for a high LTV loan for a property by simply entering that property’s address.Freddie Mac Home Possible mortgages, which allow down payments between 3 and 5 percent, are often attractive solutions for low- and moderate-income borrowers, first-time homebuyers, millennials, and past homeowners who are returning to the market, according to Freddie Mac.Borrowers can qualify for a Home Possible Mortgage if their income is up to 170 percent of the area’s median income (AMI). If the property is located in an underserved area, there are no income thresholds. The program also features a free online tutorial to meet the education requirement for first-time homebuyers.Freddie Mac’s Home Possible Mortgage Program offers the following:LTV:Maximum LTV and TLTV of 95 percent.Property Options:1-4 units, condos and planned-unit developments; manufactured homes are eligible with certain restrictions.Mortgage Flexibility:15- to 30-year fixed-rate mortgages, 5/1, 7/1 and 10/1 ARMs.Refinance Options:No cash-out refinancing option is available for borrowers who occupy the property.Freddie Mac’s Home Possible Advantage Mortgage Program offers the following:LTV:Maximum LTV of 97 percent; TLTV 105 percent.Property Options:1-unit properties, condos and planned unit developments; manufactured homes are not eligible.Stable Mortgages:Fixed-rate mortgages with a term of up to 30 years.Refinance Flexibility:Purchase and no cash-out refinancing options available.Primary Residence Only:All borrowers must occupy the property as their primary residence.Click here to check for eligibility for Freddie Mac’s Home Possible mortgage program or for more information about the program. in Headlines, News, Secondary Market Freddie Mac Updates Updated Home Possible Tool for Lenders Freddie Mac Home Possible Mortgage Program 2016-08-09 Seth Welborn Share
Ellie Mae Encompass FinTech TD Bnk technology 2018-08-24 Seth Welborn On Thursday, Ellie Mae announced that TD Bank had begun their roll out the Encompass digital mortgage solution, an Ellie Mae platform. TD Bank hopes to use Encompass to merge origination and call center vendor integrations onto one platform, as well as speed up deployment of new online products and reduce loan cycle times.“We are thrilled to announce that TD Bank has officially completed its initial rollout of Encompass,” said Jonathan Corr, President and CEO of Ellie Mae. “We’ve worked together to successfully transition TD from a legacy origination system to an agile solution equipped to handle the complexities and loan volume experienced by a leading national bank. We value the opportunity to partner with TD Bank to help them grow the mortgage lending arm of their business.”TD Bank has leveraged Ellie Mae’s Professional Services Organization during the implementation of Encompass. The purpose of Encompass is to provide an all-in-one bank system, consolidating multiple processes into a single “ecosystem”. TD Bank hopes to use the system to minimize costs, lower risks and accelerate team member adoption.”At TD, we place a strong and steadfast emphasis on continually enhancing both the customer and employee experiences,” said Rick Bechtel, EVP, Head of U.S. Mortgage Banking, TD Bank. “By leveraging Ellie Mae’s Encompass platform, we’re able to provide our customers with a simplified process, online access to documentation, and a substantial reduction in their loan closing time, all of which will dramatically enhance the mortgage lending experience. Simultaneously, Encompass will provide our employees with tools that increase efficiency and streamline processes – a huge win for the employee experience, as well. We could not be more excited to bring TD to the forefront of digital mortgage technology, and our Encompass deployment is the first step.” August 24, 2018 743 Views in News, Technology Share TD Implements Ellie Mae’s Encompass
Top Stories 0 Comments Share Fitz will be joined by former Diamondback greats Luis Gonzalez and Mark Grace along with national sports stars Mike Piazza, Bernie Williams, Rollie Fingers, Ricky Henderson, Ozzie Smith and others.On the ‘celebrity’ side of things, American Idol winner and Valley native Jordin Sparks and Nick Jonas of the Jonas Brothers fame are a few of the names scheduled to appear.It may not be training camp, but any opportunity to see Fitzgerald take part in a competition, even if it’s just friendly, is a fun opportunity for local fans. What an MLB source said about the D-backs’ trade haul for Greinke Nevada officials reach out to D-backs on potential relocation Sources have confirmed to ArizonaSports.com that Larry Fitzgerald will be on the field this July. Too bad it will be of the softball variety and not the football one.It was announced that the Arizona Cardinals star wide receiver will take part in the annual Taco Bell All-Star Legends and Celebrity softball game that will take place on July 10 at Chase Field. The event is part of the Major League Baseball All-Star week events taking place in Phoenix. D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ Cardinals expect improving Murphy to contribute right away
Derrick Hall satisfied with D-backs’ buying and selling Former Cardinals kicker Phil Dawson retires After 183 career games, the Adrian Wilson era came to an end Friday.The Arizona Cardinals released the five-time Pro Bowl safety Friday in a move that is expected to save them $3 million of cap space in 2013.Despite moving on, Wilson told Doug and Wolf on Arizona Sports 620 that he’ll always be an Arizona Cardinal.“I think I’ve done enough here in my career to kind of leave my legacy — not only what I’ve done on the field, but in the community as well,” he said. “Obviously it’s a very sad day for a bunch of fans and a bunch of people in Arizona, but moving forward for the Cardinals, they wanted to go younger. “They came to me and you know, we had to do what we had to do this morning and at the end of the day, I think it was probably best for both parties.”Wilson also gave details of how the parting went down between he and new general manager Steve Keim, who has been in the Cardinals’ front office since 1999 and, who like Wilson, played college football at North Carolina State.“There was a lot of tears, a lot of crying,” he said. “Obviously, I’ve known him since I was 17 years old and I consider Steve family, he considers me family. We’ve been through a lot together — not only in football kind of off the field as well.“Obviously, this was a tough decision for him. He was kind of the one who brought me into the league and to be the one to say ‘your services are no longer needed’ had to be hard for him.”But just because Wilson won’t put on a Cardinal uniform again doesn’t mean he’s done in the National Football League.“I still have a lot left that I want to accomplish in my career,” he said. “I have about three years left in me and we’ll see what happens. I think there will be some teams interested but ultimately you want to find the perfect fit. LISTEN: Adrian Wilson, former Cardinals safety Grace expects Greinke trade to have emotional impact Top Stories The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Your browser does not support the audio element. Comments Share “If there isn’t a perfect fit, you at least want to find a good fit. We’ll see what’s out there for me.”
Grace expects Greinke trade to have emotional impact TEMPE, Ariz. — They say familiarity breeds contempt. It may also breed success.The Arizona Cardinals’ schedule saw them take on the AFC South this season, and through three games, the team is a perfect 3-0 against foes from that division.Wins over the Houston Texans, Jacksonville Jaguars and Indianapolis Colts have helped keep the team in the playoff race, and a victory over the fourth and final team, the Tennessee Titans, is essentially a must if the team is to keep hope alive. “I think so,” quarterback Carson Palmer said when asked if it helps. “Having two opportunities to play against them last year is huge. “But at the same time, they had two opportunities to play against — obviously different players, but the same scheme. It definitely helps you in the personnel department and mismatch department, what you’re trying to accomplish on offense, so yeah, I think it’s definitely helped us.”For many Cardinals, the AFC South is unfamiliar territory. The last time Arizona played the division was 2009, with the team beating Houston and Jacksonville while losing to Indianapolis and Tennessee. Just six players on the current roster were on the team that year, and for perspective, the starting QBs in that game were Matt Leinart for the Cardinals and Vince Young for the Titans. Plenty has changed since then, but little has changed since Arians and his staff were roaming the division’s sidelines just last season.“Usually when you play someone like the AFC South and you’re from the NFC West it’s an unusual opponent for you, and for us it’s almost like a normal week when it comes to these guys,” Colledge said. “They’ve been game planning these guys for a long time and they know their tendencies and know what to expect, and that helps us with the process.” Granted, the coaches’ knowledge can only take a team so far. As Arians alluded to, at some point it comes down to players simply doing their jobs and making plays. While the coaches’ knowledge of the opponents may help in the game plan, it’s up to the men on the field to execute it. Which is why cornerback Jerraud Powers, who spent his first four NFL seasons in the AFC South as a member of the Colts, doesn’t see much of advantage at all.“I just think our mentality is to take it one game at a time and try to execute the game plan the best that we can,” he said, noting Arians himself was only in the division one year. “I wouldn’t just say we were familiar with the AFC South and that’s why we’ve had success. It’s just kind of how the chips fall, if they may.”Including this season, the Cardinals hold a 16-15 record against the four AFC South teams. Of all the divisions in the NFL, it’s the one the team has faced off against the least.But what the Cardinals franchise lacks in experience the coaching staff makes up for in knowledge, and up to this point, that has been most beneficial. Former Cardinals kicker Phil Dawson retires ErrorOK… ErrorOK Derrick Hall satisfied with D-backs’ buying and selling The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Comments Share So it’s a good thing, then, that the Cardinals have an idea of what they’re going up against. “It does help, there’s no doubt about it,” head coach Bruce Arians said of being familiar with the conference. “When you play those teams as long as we’ve played them — it seems like I’ve played Tennessee once or twice a year for the last 10 years — but it helps knowing their guys.”However, knowing an opponent only helps a team so much. Arians acknowledged that it all comes down to how well his players play. But Arians and much of his staff spent last season in the division, so there was, and is, an advantage to be had.“In this league you’ll take anything you can get, any little help you can get,” guard Daryn Colledge said. “Having a staff like this that knows these opponents helps us out a lot.”On average, the Cardinals have beaten their AFC South opponents by a score of 31-16, though the numbers are a bit skewed due to a 40-11 romp over the Colts a few weeks ago. But the idea that the staff’s knowledge has played a role in the team’s success is not necessarily unfounded. Top Stories
The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Comments Share Ken Whisenhunt was out of a head coaching job for exactly 379 days.The Arizona Cardinals fired Whisenhunt on New Year’s Eve 2012 after six years on the job. Tuesday, at a news conference in Nashville, he was named the head coach of the Tennessee Titans.Undoubtedly Whisenhunt had success in the desert, leading the Cardinals to two straight NFC West divisional titles and their only trip to the Super Bowl. But following Kurt Warner’s retirement in 2010, things went downhill for Whisenhunt and the Cardinals, who struggled over the next three seasons and failed to groom a quarterback to fill Warner’s shoes. Derrick Hall satisfied with D-backs’ buying and selling When asked by host Charissa Thompson if Whisenhunt or Warner should have received the credit for the Cardinals’ two-year run as a playoff team, Leinart responded again.“Kurt Warner was fantastic,” he said.Certainly, Leinart was clear that it was Warner, not Whisenhunt, that was the key to Arizona’s success. The numbers certainly support that claim. The Cardinals went 24-18 under Whisenhunt when Warner started games and 21-33 when others were under center.Tennessee doesn’t currently have a franchise-type quarterback on its roster. Jake Locker, a 2011 first-round pick, has been mostly ineffective when healthy. In three seasons, he’s only been able to start 18 games, going 8-10. Journeyman Ryan Fitzpatrick is also under contract for 2014.<br /> <A href=”http://msn.foxsports.com/arizona/story/leinart-questions-titans-hiring-of-whisenhunt-011414?videoId=1e1b7e0b-011f-4429-854a-b3e2bbbfc284&from=shareembed-syndication&src=v5:embed:syndication:” target=”_new” title=”One Timers: Pete Carroll, Ken Whisenhunt, Tom Brady and Superman”>Video: One Timers: Pete Carroll, Ken Whisenhunt, Tom Brady and Superman</A><br /> Former Cardinals kicker Phil Dawson retires Top Stories One of the candidates to take Warner’s job was Matt Leinart. The former Heisman Trophy winner and 2006 first-round draft pick of the Cardinals completed 78.6 percent of his passes during the 2010 preseason, but was passed over by Whisenhunt for the starting job, which went to Derek Anderson, who had signed as a free agent prior to the season. Leinart was cut, and signed with the Houston Texans.Three years later, Leinart is a free agent and dabbling in the media. Monday, on Fox Sports Live, the 30-year-old shared his thoughts on Tennessee’s coaching hire.“I don’t think it’s a great fit, and I don’t think it’s great timing, and here’s why,” Leinart said. “You look at his tenure in Arizona — only two years, he had success, and in those two years, Kurt Warner ran that football team — I was a part of it.“Every single Monday, Kurt Warner would come in an implement 20-to-30 new plays which he would say ‘I want these in my game plan.’ We became a spread offense and we became Kurt Warner’s offense. Then Kurt Warner retires, they go 5-11 twice and they go 8-8.”Leinart’s thirty-second clock expired at that point, but he concluded with this: “The Tennessee Titans do not have a quarterback right now.” Grace expects Greinke trade to have emotional impact