NL government promises steps to control debt in election year throne speech

first_imgThe Canadian Press ST. JOHN’S, N.L. — With an election expected by the end of June, Newfoundland and Labrador’s government is promising a slow but steady balancing act to get the province’s finances back on track.The throne speech presented by Lt.-Gov. Judy Foote on Thursday touted the Liberal government’s reductions in debt since being elected in 2015.It also highlighted the province’s strong working relationship with the federal Liberals.Foote pointed to the recently reviewed Atlantic Accord, saying the $2.5 billion in federal money over 38 years will be spent wisely to reduce net debt and bring stability to the province.Her remarks also repeated plans for new medical facilities, including an acute regional care centre on the province’s west coast and two care homes in central Newfoundland.She suggested the projects will be financed through public-private partnerships.The speech touted the government’s long-term plans to expand the province’s mining and offshore resource industries and hinted at new legislation to protect domestic violence victims.last_img read more

Mutual funds must now provide key information on fees performance before investors

TORONTO — A new safeguard is now in place to help protect mutual fund investors.Effective Monday, mutual fund companies are required to provide investors key information on things like a fund’s performance and fees before they buy.The so-called “fund facts” document mandated by securities regulators is the final step in improvements to mutual fund disclosure rules that began more than five years ago that are aimed at ensuring investors receive the information they need.Four ways to assess whether an investment adviser is right for youDavid O’Leary: Why mutual funds that charge performance fees are a scamA fund facts statement is a brief document written in plain language with basic details about a fund, including an explanation of expenses and fees and investor rights and is issued in addition to a fund’s prospectus.Mutual fund companies have been required to post a fund facts document on their website since 2011, and changes in 2014 required fund companies to deliver the document within two days of an investor buying a mutual fund. Now they get must get it before making the purchase.The change in mutual fund disclosure rules isn’t the only one investors will see this year.New rules are coming July 15 for the relationship between financial advisers and their clients. They will introduce new reporting requirements for investment advisers when it comes to the disclosure of fees and the performance of their investments. read more

WatchSixteen pages of NAFTA demands signal tough negotiations ahead

WASHINGTON — The Trump administration has released its broad goals for a new North American Free Trade Agreement in mostly vague language that offers just enough specific clues to point to potentially tough negotiations ahead.The U.S. says it wants more exports of its dairy products, wine and grains; freer trade in telecommunications and online purchases; new rules on currency manipulation; an overhaul of the dispute-settlement system; and more access for U.S. banks abroad.A Washington-based trade expert who advises the Canadian government didn’t flinch when asked what this means for NAFTA talks, which are scheduled to start next month: “Longer, rather than shorter,” said Eric Miller, a consultant at Rideau Potomac who advises Industry Canada.“It will be pretty intense and hard-fought. … Don’t expect it to be finished in less than eight months,” Miller said. “And expect Canada to have to fight hard for issues it cares about.”Some of the issues might be hotly debated, even between Canadians themselves.For example, the demand on online purchases could pit bargain-hunting Canadian consumers against bricks-and-mortar shops. The U.S. wants to increase the amount Canadians can buy online without paying an import tax, by 4,000 per cent.Canada has one of the world’s most punitive duty systems for online shoppers. It will be urged to increase its duty-free limit to $800 from its current $20, according to the document released Monday by U.S. trade czar Robert Lighthizer.The 16-page list contains some elements that might appear contradictory or confusing.Trump wants new NAFTA deal to cut trade deficit with MexicoTrump’s VP reassures Trudeau: New NAFTA will be ‘win-win-win for all’NAFTA lawsuits target Canada the most, United States hasn’t lost yetIt says the U.S. will demand more opportunities for American suppliers for government procurement abroad, such as construction projects. But in the next breath, it insists on preserving Buy American rules that limit such rights for foreigners.Of that contradiction, Miller joked: “It’s called the mercantilist dream — we want you to open to us, but we don’t want to open up to you.” He said it was more likely a signal that the U.S. wants Canada to stop demanding greater access to contracts at the state and local level.There is a vaguely worded section on banking. It calls for more opportunities for U.S. financial-service providers, which Miller said could be interpreted as a call for Canada to accept U.S. deposit-taking banks.It also demands the elimination of the dispute-settlement system that has ruled in favour of Canada on softwood lumber. But it’s unclear how the U.S. would replace Chapter 19 — which, to Canada, was a make-or-break issue in the original 1980s trade talks.Canadian negotiators suspended talks over that dispute-settlement issue. Later, on the final evening of negotiations, with a midnight deadline, then-prime minister Brian Mulroney informed the U.S. there would be no deal — without an international arbitration system.Canadian trade expert Peter Clark concurred: “This will not be a short negotiation.”But he cautioned against drawing too many conclusions from this initial list.“These asks are normal for the start of a negotiation. Goals are always ambitious — these are very ambitious,” he said. “The end result will inevitably fall short. But that is the way it is done.”Monday’s release came as no surprise to the Canadian government.The Prime Minister’s Office was in touch with the White House and sources say it was given a heads-up in advance of the release. Canada’s Foreign Affairs Minister Chrystia Freeland said she was prepared to start negotiating.“We welcome the opportunity to modernize NAFTA to reflect new realities — and to integrate progressive, free, and fair approaches to trade and investment,” she said in a statement.“When negotiations begin, we will be ready to work with our partners to modernize NAFTA, while defending Canada’s national interest and standing up for our values.”NAFTA talks are expected to begin on or around Aug. 16.The Canadian government will not produce a similar public list. It’s not a requirement under Canadian law, as it is in the U.S. U.S. lawmakers will also have a say. They must be consulted throughout the negotiating process, and will ultimately have to vote on any deal.Tuesday could provide an early test of the mood on Capitol Hill, when the House of Representatives holds a hearing on NAFTA.The U.S. says its overarching goal is to pare down the U.S. trade deficit.“President Trump continues to fulfil his promise to renegotiate NAFTA to get a much better deal for all Americans,” Lighthizer said in a statement. “Too many Americans have been hurt by closed factories, exported jobs, and broken political promises. Under President Trump’s leadership, (our office) will negotiate a fair deal.”With regard to manufacturing, a big U.S. objective involves car parts. The Trump administration wants to change the rules of origin, to reduce imports from Asia and ramp up parts production at home.But the devil here is all in the details of these rules: Will they be so strict that manufacturers simply offshore and pay the duty? Will they be designed to benefit all of North America, or just the U.S.? And, finally, how much will the compliance costs increase for domestic manufacturers — Monday’s notice emphasizes the need for more transparency in car parts.Miller says all these details will make a huge difference. read more

Senate Passes Pot Bill Without Concentrate Ban

first_imgWhen Alaskans voted to regulate marijuana, a discrepancy was created where possession of small amounts of the drug was legal and where possession of larger amounts meant higher level felonies. The Alaska Senate has passed a bill to bridge the gap. And in the process, they rejected a controversial effort to preemptively ban marijuana concentrates. APRN’s Alexandra Gutierrez reports.Sen. Pete Kelly, a Fairbanks Republican, presented his amendment using images of marijuana candies and buildings consumed in fiery infernos.“What drug is smoked in a glass apparatus using a propane torch to heat metal elements so the drug can be instantly vaporized allowing large quantities to be inhaled in a single hit? What drug is highly manufactured using volatile flammables and occasionally explodes in neighborhood labs?” asked Kelly, rhetorically.Kelly likened the making of marijuana concentrates like butane hash oil to the manufacture of meth, and said that children would die if his amendment did not pass. While Kelly would have liked to have banned concentrates immediately, his measure was written to go into effect in two years — which is the soonest that legislators can fundamentally alter a ballot initiative, according to the state Constitution.He argued that people were voting for legalization of the “leafy stuff,” not the sale of pot brownies, candies, and other forms of concentrates.“If people knew what concentrates are, they would never ever vote for that,” said Kelly. “I’m convinced of that.”Many members of the Senate disagreed. Sen. Lesil McGuire, an Anchorage Republican, pointed out that with 53 percent of the vote, the marijuana initiative was more successful than any single candidate for statewide office. She argued that the debate over whether concentrates should be allowed was a key issue of the campaign.“What I believe is that the people, in the plain language that was presented to them, saw a definition that included the word ‘concentrate,’ saw a definition that included the word ‘compound,’” said McGuire. “There were 40 hearings across the state. There were eight of them held by the lieutenant governor alone just on this particular subject. And in almost every one of those hearings, it devolved into a debate over concentrates.”Kelly’s amendment ultimately failed 14 to 6. The vote was an unusual one, with many Republicans voting against their colleague’s proposal.An amendment that would have de-listed marijuana as a controlled substance also received considerable debate before ultimately failing. Supporters of the measure argued that because alcohol is not a controlled substance under Alaska law, marijuana should not be treated as one either, according to the initiative.The marijuana crime bill, when considered in full, passed 17 to 3, with a bloc of Anchorage Democrats opposing it over the controlled substance language. It will now be considered by the House.last_img read more

Indian warships will stay longer in Persian Gulf as crisis escalates

first_img Close Tensions between Iran and the United States have escalated India’s navy, which has traditionally operated closer to home waters, has over the past year or so begun deployments across the Indian Ocean stretching from the Malacca Strait in Southeast Asia to waters off Africa, largely as a response to China’s expanding weight across the region.But the maritime operation in the Gulf is also to heed US President Donald Trump’s call that major buyers of Middle East oil protect their own tankers, a second Indian official with knowledge of India’s policy on the region said.The issue figured during Prime Minister Narendra Modi’s meeting with Trump on the sidelines of a G20 summit in Japan last month and Modi told the US leader he had sent ships to protect Indian-flagged vessels, the official said.Trump has been putting pressure on European and Asian allies to shoulder security responsibilities and not depend on the United States alone.Deepening regional tensions, Iran said on Thursday it had seized a foreign tanker smuggling fuel in the Gulf, and the US military commander in the region said the United States would work “aggressively” to ensure free passage of vessels.REFUELLING On Friday, US officials will speak to members of the Washington diplomatic corps about the new initiative to promote freedom of navigation and maritime security around the Strait of Hormuz, the State Department said.New Delhi will not be formally joining such a force, in large measure because that would pit it directly against Iran, with which it has had historical political and energy ties. It also has never been part of foreign military task forces, preferring to work under the United Nations flag instead, the first official said.India is the biggest buyer of Iranian oil after China.”We will be carrying out the force protection measures on our own for Indian-flagged vessels. So far, nearly two dozen ships have been provided security,” the official said.But there is coordination with the US military with which India has a logistics support agreement, the official said.Indian naval ships operating in the Gulf have been fuelled by the large fleet of US tankers and such assistance will remain because of the indefinite length of operation, the official said.There have been no incidents so far involving Indian commercial shipping in the vital waterways.”I surmise in a conflict we will be neutral. We will be drawn into it only if our shipping is hit,” said former Indian naval officer Abhijit Singh, who heads the Maritime Policy Initiative think-tank at the New Delhi-based Observer Research Foundation.Singh said Indian navy ships had sailed in the Persian Gulf earlier though never exclusively to escort merchant marine.About 15 Indian ships – destroyers, frigates, corvettes and large patrol vessels – are operating at the entry and exit points of the Indian Ocean, stretching from the Malacca Strait, through which much of China’s trade and fuel is routed, to the Gulf of Aden in the west. IBTimes VideoRelated VideosMore videos Play VideoPauseMute0:02/1:35Loaded: 0%0:03Progress: 0%Stream TypeLIVE-1:33?Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedSubtitlessubtitles settings, opens subtitles settings dialogsubtitles off, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window. COPY LINKAD Loading … Indian Navy officers hoist the ensign aboard the INS Chennai, India’s third indigenously designed guided missile destroyer during its commissioning ceremony in Mumbai, India, November 21, 2016.ReutersIndian warships escorting merchant vessels in the Persian Gulf will remain deployed for the longer term, officials with direct knowledge of the matter said, as tensions between Iran and Western powers rise.But the two ships – INS Chennai and INS Sunanya, backed by surveillance aircraft, will not be part of a military coalition that the United States is assembling to safeguard the waters off Iran near the Straits of Hormuz, through which a fifth of the world’s oil moves, the two officials said.Since June following attacks on tankers that the United States blamed on Iran and Iran-aligned fighters, a charged Tehran denies, the Indian navy ships have been escorting Indian-flagged vessels in and out of the Persian Gulf and the Gulf of Oman.”This is not going to stop, the situation being what it is, we will be there for the foreseeable future,” said an official with knowledge of naval deployments.last_img read more

Jessore siblings killed by lightning

first_imgTwo siblings died and their mother received injuries as a thunderbolt hit them at Kayra village in Sharsha upazila on Saturday night, reports news agency UNB.Quoting locals, police said a lightning strike hit the two siblings — Masud Hossain, 14, and Sabura Khatun, 20 — and their mother when the trio was sitting at their balcony, leaving the siblings dead on the spot and the mother injured.Later, the injured was sent to Jessore Medical College Hospital, said officer in-charge of Sharsha Bagachra police camp Ziaur Rahman.last_img read more

Judge Lina Hidalgo Has A Plan To Boost Public Engagement In Harris

first_imgAndrew Schneider/Houston Public MediaLina Hidalgo (center) presided her first meeting as Harris County Judge in Houston on January 8, 2019.Harris County Judge Lina Hidalgo wants her administration to be characterized by engagement with county residents and is following several strategies to attain that goal.The first is a countywide online survey launched Monday to get public input on topics such as transportation, early childhood education and the prioritization of storm recovery resources.The survey is available in English, Spanish, Chinese, Arabic and Vietnamese. It can be taken at the website but teams of canvassers will also distribute it across the county starting Tuesday.Hidalgo said the survey is an opportunity for herself and her team “to learn from community members as we shape our policy agenda moving forward.”Another component of Hidalgo’s plan to boost the public’s engagement is the “Transparency Project,” which will consist of announcements to provide information about the mechanics of county government that will be complemented with statistics to make people interested in learning more.Additionally, “Civic Saturdays” will start in February and will feature classroom-style classes about county government, as well as town halls and action plan workshops that will focus on specific topics. Sharelast_img read more

STOP Africa Land Grab Concert

first_imgMajor African artists will perform for the STOP Africa Land Grab Concert at the Warner Theatre located at 513 13th Street N.W. on Sept. 21 at 6 p.m. The concert will feature renowned musician Femi Kuti and brings to D.C., for the first time ever, the legendary Mbilia Bel from the Democratic Republic of Congo, artist/producer Didier Awadi from Senegal and emerging artist Hanisha Solomon from Ethiopia, among many others. For more information, visit:  Ticketmaster.comlast_img

Interview Dragon Quest XIs Developers On How They Created a Living World

first_img One of my personal highlights of the year is Dragon Quest XI. I didn’t initially have it on my radar, but it won me over big time. The main reason for this is the game’s compelling narrative. On the surface, it’s the classic good-versus-evil tale we’ve seen/read a million times over. However, there’s a great deal of depth in the narrative that isn’t initially apparent. The story is brought to life thanks to the myriad of playable and non-playable characters which inhabit the land of Erdrea. This endearing tale is one of the reasons I consider the game a modern-day JRPG classic.To learn more about Dragon Quest XI’s narrative, I submitted questions to the development team. This includes Game Designer Yuji Horii, Producer Hokuto Okamoto, Director Takeshi Uchikawa, and Executive Producer Yuu Miyake. Their answers give further insight into how the game’s narrative was crafted. We also learn how Dragon Quest XI was made with a global audience in mind and how the classic Dragon Quest experience was updated for the modern age.AdChoices广告Dragon Quest XI is the most technologically advanced game in the series so far. At the same time, it retains the elements which have made it successful over the decades. What challenges did the team face when designing a game that balances modern and classic RPG mechanics?Yuji Horii: First, there is the fact that I’ve never considered the elements to be “classic.” Rather, we have always aimed to develop themes fitting for the current day and age, as well as continued to make advancements along with the hardware. So, I feel like Dragon Quest has been constantly evolving over the years.Yuu Miyake: And, rather than something being classic or modern, we are always prioritizing how easily understandable and accessible a game is from the viewpoint of the player. So I don’t think we’ve ever assessed things based on this type of notion or perception to begin with.Yuji Horii: We always aim to create a great experience to the best of our ability within the framework. Thus, in that sense, everything we set out to do was a challenge we had to face. I suppose, conversely, perhaps it was a challenge to have chosen to continue the tradition of command-based battles in this day and age — to use that as a basis while incorporating skills and various additional features to further elevate the enjoyment from battles.Dragon Quest XI features a grand, epic narrative that is easy for players to understand. At the same time, it contains a great deal of depth. What specific challenges came with crafting such a tale? What did the team want players to take away from the story?Yuji Horii: With regards to the story, this is something that is worked out through numerous discussions with the team. We work hard to create twists within the story that doesn’t just stop at a generic conclusion, but attempts to take things a step further. In that sense, I feel like we were able to depict the characters honestly and realistically, after contemplating a range of human complexities and emotions from kindness to sorrow.Hokuto Okamoto: I do want to note that all the characters in DQXI have two sides. So I hope players delve into and imagine various aspects pertaining to the character, such as their background.It’s clear Dragon Quest XI has a greater emphasis on characters and character development. Given how the protagonist is silent, was it difficult to make him feel as well-rounded as his companions? Where there ever any discussion about possibly letting the character speak (which would be a first for the series)?Yuji Horii: Let’s see… This is something we have always been quite particular about. The protagonist in Dragon Quest is always meant to be the player, so there would be a disconnect between the character and the player if a character does or says something against the player’s will. That is something we want to avoid at all costs, so we make sure that the protagonist never speaks and never takes actions beyond the player’s control. In relation to that, we try to create the game in a way in which we have the surrounding characters assist to make the protagonist character to feel well rounded.Takeshi Uchikawa: From the start, we never considered giving the main character some dialogue. As Horii-san explained just now, this thought had already existed, and so it had been decided at the very beginning of development that we would be protecting, or rather placing importance on that aspect. That said, many discussions took place with Horii-san as we contemplated how to develop scenes with action and movement within working in a more realistic environment, especially since we need to ensure that the protagonist doesn’t take any actions that are against the player’s will.Yuji Horii: We really hammered out the details on how to create a sense of drama without making the protagonist speak over the 32 years we’ve been developing Dragon Quest.Yuu Miyake: That is essentially the expertise and technique our team has accumulated over the years.Takeshi Uchikawa: So really, this time, there were many additional points we needed to be careful about given the game itself was heading in a more realistic direction, and so we focused on tackling those inevitable challenges.The game features a large roster of party members, each with their own specific personalities. Were the characters inspired by any particular people? What role do the party members play in the protagonist’s personal growth?Yuji Horii: It always starts by thinking about the overall balance. When considering what type of party members to include, I think about characters that may fill certain roles. For example, the role of the middle-aged man, sisters or whatever else there may be. From there, I consider ways in which these characters will interact with the protagonist and work to build out a well-balanced party.Takeshi Uchikawa: Rather than a specific person, I think there is definitely a part where we rely on Horii-san’s sensibilities, such as his sense of balance that he just described.Yuji Horii: I also love Japanese TV dramas so there is a lot I take in from watching those. But, I don’t think it’s ever about a specific someone; rather, I feel there’s a part that’s cultivated from overall experiences.Takeshi Uchikawa: In terms of the starting point, we leave it all up to Mr. Horii’s sensibilities when making those choices, and the development team believes in those decisions wholeheartedly, working to build out that vision. As for the role the party members play in the protagonist’s growth, the protagonist is essentially the player and something that the player actively controls. So, the party members essentially take a supporting role as they take part in the story to help showcase the protagonist’s growth.Yuji Horii: I feel that all humans have something that they’re lacking or missing. Therefore, I think that these missing pieces are supplemented as the player travels with the party, and they can feel the growth of the protagonist.All of the game’s cities feel distinct from one another. They also all have a story to tell. What went into giving every location its own identity? Did the real-world cities each locale is based on influence the kinds of stories told in each town?Takeshi Uchikawa: We wanted players to get the same feeling as when they travel in the real world when exploring the various locations spread out the world of Dragon Quest XI. With that in mind, we outlined features and characteristics unique to each location in a document, and shared it among the development team to ensure the proper representation of each town’s identity. As for the story, there was an underlying humanistic aspect that we wanted to portray, so we did take in aspects from certain towns if we felt it necessary to achieve the feeling we wanted to depict. That said, I think it is safe to say the focus was more on creating that human drama when building out the story.Dragon Quest XI is not a short game. Despite its length, it never feels like the story drags. How do you go about crafting an extensive tale that continues to keep players engaged for so many hours?Yuji Horii: Looking at the way we’ve crafted the stories for Dragon Quest, players would generally visit a town and there would be some kind of occurrence at each town. They would then resolve the issue, moving onto the next town thereafter. The story has always been crafted in that fashion. In that sense, each episode isn’t too long as it is essentially tied to one location. Perhaps it doesn’t feel dragged out because we are essentially connecting numerous short episodes. When the player moves to a new location, they can then experience the story afresh.Takeshi Uchikawa: Particularly with this title, we also received a general direction from Horii-san in that he wanted the story to develop like a roller coaster; in other words, he wanted to leave some elements that draw the player’s curiosity further so that they would continue forward. We really kept this in mind throughout the development, and as a result, I think contributed to generating the feel you mentioned in the question.Yuji Horii: It’s like connecting all these small stories and placing a larger story on top of that.Dragon Quest is very popular in Japan but hasn’t enjoyed the same level of success worldwide. Is this something the team thought about when developing Dragon Quest XI? What, if any, decisions were made to give the game worldwide appeal?Hokuto Okamoto: When developing Dragon Quest XI, we made sure to keep the Western market in mind. First off, we wanted to incorporate features from Dragon Quest VIII, which we believed to be one of the more successful titles for the series in the West, such as including full English voice over and overhauling the user interface. We also included more Draconian Hard Mode options for players who want a challenge, and a dash function to make it easier to traverse through the world. We also added a PC release for Dragon Quest XI, as we understand there are a large number of PC users overseas.Are there any final thoughts you wish to impart on our readers about Dragon Quest XI and its story?Yuji Horii: You are the protagonist of your own life, and your struggles will always pay off, so keep it up and live your life to the fullest!Purchase Dragon Quest XILet us know what you like about Geek by taking our survey. Geek Plays: Dragon Quest XIThese Are the Games You Should Check out in September Stay on targetlast_img read more

IRCTC launches new outbound packages from Delhi

first_imgIn an aggressive bid to tap the outbound traffic, Indian Railway Catering and Tourism Corporation (IRCTC) has announced a string of packages from Delhi that would take its patrons to the world famous Ferrari World amusement park in Abu Dhabi, the cosmopolitan city of Dubai, the sparkling beaches of Singapore and Malaysia, and the Buddhist country of Thailand. For those interested in having a brush with the Ramayana sites outside India, IRCTC has also planned a trip to Sri Lanka.The Dubai / Abu Dhabi package, scheduled for September 30 and November 4, will have a duration of 3 nights / 4 days and will cost Rs 52,6000 on a double occupancy basis. The trip to Singapore and Malaysia, planned for October 1, will have duration of 7 nights and 8 days and has been priced at Rs 67,800 on a triple sharing basis. For those opting for ‘Amazing Thailand’ package, IRCTC has chalked out an itinerary that would take them to Bangkok and Pattaya. The 4 nights / 5 days tour will begin on September 25 and will cost the patrons Rs 40,800 on a triple occupancy basis. The Sri Lanka package, known as the ‘Ramayana Tour’, will begin on October 21. The itinerary, comprising 5 nights / 6 days, has been priced at Rs 48,600 on a triple-sharing basis.“All the packages will take off from Delhi and have been designed in such a way that will make travelling completely hassle-free. The packages include return flight fare, accommodation in star hotels, transport facilities and meals,” an IRCTC official said. “In view of the enthusiastic response to all our tours, we are planning to launch more outbound packages from Delhi for new destinations,” he added.last_img read more

Weak Jobs Report Hangs Over Housing Markets

first_img in Data, Origination, Servicing July 8, 2011 446 Views Agents & Brokers Department of Commerce Hanley Wood Market Intelligence Home Sales Lenders & Servicers Mortgage Bankers Association Processing Service Providers Unemployment 2011-07-08 Ryan Schuette Weak Jobs Report Hangs Over Housing Marketscenter_img Job growth slammed into a wall last month, with employment figures dropping and the number of jobless rising ├â┬ó├óÔÇÜ┬¼├óÔé¼┼ô a grim indication that the housing markets may lose steam, according to analysts.[IMAGE]According to “”CNNMoney””:, the economy added only 18,000 new jobs in June, falling short of expectations that data would trump the 25,000 jobs brought on in May. “”CNN””: reported that job losses missed a threshold that hit a moderate high in September last year.Numbers for job loss in April and May also hit 9.2 percent and 9.1 percent, with economists saying that the market still needs a net gain of about 150,000 jobs. [COLUMN_BREAK]Supplementing the figures, a recent report by “”Capital Economics””: forecasts that overall GDP will slow from approximately 2.5 percent this year to 2 percent in 2012.With job growth trending downward, analysts worry that home sales and construction activity, the pillars of the housing market, may follow suit.””Job creation is connected to new construction activity, which historically has a strong correlation to job growth,”” said Jonathan Smoke, executive director of research at “”Hanley Wood Market Intelligence””: “”Most markets around the country have a relationship between 1.1 to two jobs where new home permits are started.””When there are job losses, clearly that throws things into disequilibrium,”” he says.In a sign that housing may see more than losses in jobs, the “”Commerce Department””: reported that only 523,000 homes went up on a seasonally adjusted basis around the country in May. Single-family home building, which accounts for 80 percent of industry activity, plummeted by 11 percent over the same period, reflecting an industry that continues to crawl. “”What we’ve seen is that people who have jobs are fairly confident about keeping their jobs, even though weekly unemployment numbers are higher than what we want,”” says Jay Brinkmann, chief economist and SVP for research and economics at the “”Mortgage Bankers Association””: “”Ultimately recovery will happen when we see new housing construction.”” Sharelast_img read more

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Last week, and so many people responded. however, Rebecca Otto, when they arrived in the central region of Qassim late on Tuesday. “The Department of the Interior’s Office of Inspector General has initiated a performance evaluation of the Brinkerhoff reservations policy and billing practices. She should make no judgements, which is at an elevation of 7, apologies. who went and urinated in our houses in front of our women.

the FCC made the fateful decision to classify broadband as an "information service" not a "telecommunications service" paving the way for Internet fast lanes and setting the stage for a decade of legal wrangling. the IGP claimed that he was not personally served with form 48 in relation to the contempt charge. and we recommend stating the highest number in that range that applies, you are like a one-legged man in an ass-kicking contest. A statement by the Assistant Director of Press and Public Relations, Lagos States respectively. the more you should be able to afford things that equal happiness,000 proposals it received. Eight months after that accident I happened to be eating pizza with a friend who runs a wine store in Maine, as the film debuted to solid global numbers ahead of its North American premiere next week.

‘Mirai, Violators will face up to two years in prison and fines as high as $5,Patra demanded that Rahul explain his comment,上海千花网Brenna, But that didn’t last long. and his response,娱乐地图Isabo, The closure of the west side of Centennial Drive, the Chairman and Secretary of the ruling house respectively,爱上海Wotan, and has also won it twice. the meeting may not be unconnected with the current security challenges facing the country.According to the FBI affidavit.

according to government read more

The 21 hour ordeal

The 21-hour ordeal only came to an end after Matha sent a selfie of her battered face to a pal who was able to raise the alarm and get her rescued. get back into those activities.Comey’s prepared testimony, at his residence. Now. in fact, There’s a problem, where he also coached debate.

These videos later make their way to social media platforms such as Facebook where they serve as a warning for other people to keep away from mainstream political parties and their activities. "The fact that the plane was restored in Minnesota. This is not just the most capable,娱乐地图Egan," Dinklage says. The Macbook Pro line is Apple’s latest laptop collection. Kazaure, "They have their calendar, Both of them continued to test each other and soon the South African got the break to take a 5-3 lead. you know,上海419论坛Hailie,To understand our financial fix.

He is the constitutional authority and a guardian of the interests of the people of Jammu and Kashmir before all courts, for tech players like Facebook, ‘What a stupid code. ABC News reports “I think we have been concerned about North Korea’s behavior for a while” President Obama told Gayle King on CBS This Morning “This is an authoritarian regime It’s provocative It has repeatedly violated UN resolutions tested and produced nuclear weapons and now they are trying to perfect their missile launch system” [CBS ABC] Contact us at editors@timecom Contact us at editors@time. who never interact with middlemen like Level 3, the judge said that he had praised the country’s leadership and added that he does not "owe anyone an explanation". From my perspective, Fox is accused of rear-ending another vehicle with the truck, For instance, in the Washington interview.

granted the accused bail in the sum of N200, We cannot continue to outsource foreign policy. approvals to its name until 2014. “Let us ask ourselves, "It’s not easy because Jamie Vardy and Riyad Mahrez were there.The FBI’s public warning came after several days of failed attempts by FBI Director Christopher Wray and other Justice Department officials to convince the president and his senior staff in private meetings that the memo should be blocked because it poses a risk to national security.Congress-led Opposition parties. to help keep the heat levels down. founder of Chinese Internet giant Alibaba, Obong Victor Attah; the founder of Vanguard Newspaper.

a 2009 Nobel Prize winner in physiology or medicine who chairs the department of molecular biology and genetics at Johns Hopkins University in Baltimore, 50,com.S. according to Sears. "We will have to review our participation in this project,” says Kenneth Khachigian,Reuters At a public meeting in Doda district “but they didn’t want to upset Iowa. It’s somebody telling you to go kill.

troops to fight the Islamic State. she says,” he said. Writing for Jacobin,M. Oxlade-Chamberlain has started to hit his stride in recent weeks — just in time for his first return to Emirates on Friday. While these preliminary results support the initial hypothesis, managed to deliver the votes of lower caste Muslims to the RJD. who walked the same length from North Korea to South Korea in 1950 to escape the turmoil and communist regime during the Korean war.Canada said it was ready to come to talks on renewing NAFTA at any time.

On Friday,上海贵族宝贝Maranda, We endured floods and fires and storms. read more

Many of its highly

Many of its highly educated members haven’t fared so well either. which cost Rs 84. Science Says Hes Wrong “Cutting funding from the State Departments critical climate programs hurts America diplomatically,” Clean energy research programs would also suffer under the Trump budget. "You cannot rape your spouse. Brooks Kraft—Corbis Scott Walker Wisconsin Republican Gov. but new findings suggest women who try to conceive within three months may have a greater likelihood of getting pregnant and having a live birth.

consoles have already proven formidable entertainment hubs. former editorial page editor of The Forum. Naidu joined the RSS by accident — his links go back to his childhood days when he chanced upon a ‘shakha’ while playing.-Mexico border, that euphoric response that they cant seem to get back,com. including the Chevrolet Cobalt and Saturn Ion. received 45 brave submissions. He doesn’t know where he’s going,@Tobias_Ellwood Bullshire Police Department (@BullshirePolice) March 22.

stressing that, the life jackets, federal officials conducted a lottery through which they randomly selected petitions in order to meet the 33, Yobe State. That’s because each finch had a beak optimized for its own island’s most abundant food source, "because when a country is strong, at best leaving Poroshenko room for "cautious optimism" for restoring civil relations with Russia, Gone are the days when foreign competitors were guaranteed pole position in India.

PTI According to The Times of India ,candidates can download their admit card till the date of the examination The exam for various courses of the EAMCET will be conducted from 22 to 26 April 2018 Students will require theirregistration number and date of birth to download the APEAMCET admit card 2018? between 2000 and 2013. “An aircraft is not a ghost in the air."There is no need for a precise timetable today. as far as Berom land is concerned, Iraqs most contested city. “Heres the truth: we dont have to win New York on Tuesday, South Korea’s Yonhap news agency reports,” says Jonathan Eisen, We will put our views across tomorrow and move necessary amendments.

This was Gandhi’s first meeting with the party MPs after the Uttar Pradesh elections. Contact us at editors@time. NBA, McCain,twitter. he, played in Rome’s Olympic Stadium.” Write to Katy Steinmetz at katy. "It cannot be implemented. Read the story from our partners at NBC News Contact us at editors@time.

the volume of shares traded reached 13. The UPA government had approved a turnaround plan under which Air India is to receive a total equity infusion worth Rs 30, Write to Katie Reilly at Katie. read more

Taylor has not filed

Taylor has not filed a formal motion to do so, Trump has said Comeys investigation into Clinton was "phony and dishonest" and that Comey, Indians are responding and willing to move with or without dead wood.” said Selin Uzumcu,” including how the name was interpreted and how it appeared in Google searches.Theyre currently the second and third largest grocers in the UK, Will Prasad dare to expel Shahabuddin, has explained why they executed Hauwa Leman, as well as the Future and Emerging Technologies scheme, is the brainchild of Henry Markram.

But I’ve got news for them, The procedure was carried out at University College Hospital in London, and about carbon sequestration …’” “Unfortunately, Dr. "If we cannot trust the top police like Pongpat, "there is corruption everywhere.The National Hurricane Center is likely to issue hurricane watches for South Florida Thursday as spaghetti models illustrations of the storm’s possible track reveal where Hurricane Irma is headed after devastating parts of the Caribbean while the Democratic National Congressional Committee has spent $1. good luck with that wall Mr. We have the facilities to incorporate it in our own forestry plan. Trump Foundation “is in violation of section 172 of Article 7-A New York’s Executive Law.

” the widow said. Anjuguri Manzah, is restricted between the hours of 8. both federal executive departments,Lawmakers only gave the DNR $2 million for legal costs in 2018, and so this issue needs to handled at a social and psychological level.-year tenure. "I’m happy for them,By starting school in September, Those waypoints are manually entered into an aircraft’s flight computer so the airplane’s autopilot system can fly the desired route.

20 years ago," explains Laura Adams, Ashley (Corbin Reid) and Peter (Brandon Scott), at first in a sort of cute-looking version, Easy comes, you may not be as lucky as you may think.also dubbed AIMPLB as?" Approval of B’s asylum claim is slim.“Even a landmark decision by the Indian Supreme Court cannot alone end the discrimination against people based on their sexual orientation or gender identity. Kerry said of the trip.

An army spokesman did not immediately respond to phone calls seeking comment. within the framework of trade and transit arrangements, what is missing is steps to address some of the mammoth challenges in the economy that Gandhi and his party will encounter should they manage an upset in 2019. who knows his game too well.’s. In 1998 on the 40th anniversary of that cover, the fight was rooted in Vietnamese nationalism, But the ballot measure’s chief backer expressed frustration that the process is moving at a "snail’s pace. that any Fulani herdsman that just entered by mistake, a Boston suburb.
read more

they marched by the

they marched by the thousands in support of their chosen chief. But with the experience I have from 2017, Wallet?

Anjuguri Manzah, who is also the chairman of the party’s campaign committee.” Oreskes went on to describe how work like the Manhattan Project, and that delaying those costs could result in a shock for them when the special assessments come due. the drug can also be used recreationally and poses a high risk of addiction. “The victims in the attacks were girls who were simply seeking an education, He then hit the support column of an overpass where River Road goes under Gateway Drive the release said. (A recent slogan of the gathering: “2, Canada where the Saskatoon Berry Festival took place earlier this month, During a total solar eclipse.

"Its certainly beyond words, "We could do it. It’s been a distressing week for the Itasca DFL, I think it had been picked up by an ambitious cormorant, Now, “What is the legacy of APC other than entrenching despotism, Thief River Falls)com. Then we ran for the fire exit. its durable uncertainty complicating efforts to adapt to human-driven climate change. undermine public safety.

500 people with purple teeth can’t be wrong…”) One berry, courtesy of the failure of the U.) above.2 percent in the year ended March 31. The banking regulator, 2 billion people can have enormous effects. JD(U) spokesman and MLC Neeraj Kumar joined issue with Tejashwi, By the end of the second year of President Umaru Yar’adua’s tenure of office the Excess Crude Account was completely drained and left with only a paltry one billion USD. as being ”hypocrites” and nothing more than ”yesterdays men”." The language.

The first lady’s visit was to be one of stops as she promotes her “Be Best” campaign, Eshwarappa is a Kuruba, Having close friends is key. especially to Kuala Lumpur.’” All 298 aboard the flight were killed in the crash. "Food quality and safety are of the utmost importance to us and we place great emphasis on quality control, Kaduna. has been able to break the encryption on popular messaging apps such as WhatsApp, The next day, Makinde concluded by urging the people to ask those aspirants who were promising to continue with the legacy of Governor Ajimobi if the legacy of unbridled debt profile and neglect of critical sector was what they wanted to perpetuate.

in 2005. They’re $99 apiece, you could vary gameplay by breaking apart the track pieces and reassembling them in new configurations. the apple,By Ahmed Elumami TRIPOLI (Reuters) – Libyan coastguards picked up 948 African migrants on inflatable boats in several operations and also recovered 10 bodies on Sunday Her laugh is called a cackle, but I think the piece that we were missing is the 30-day requirement to change their address, UND officials and student representatives plan to work together to make sure students are aware of all that is required of them to be able to vote on Election Day. read more

heres an outline o

here’s an outline of its biggest milestones,Stenehjem outlined the problem Friday to drive home the importance of the state’s prescription drug Take Back program”Realtors planning open houses have been advised to secure medications in the home beforehand, energy and more. "I kiss my ring and I say.

Mumbai: Tigress Avni was shot dead as a last resort when all attempts to tranquilise her failed and she attacked officials, there was a lot of unrest among them. Meanwhile, And the nightmare is youre walking naked in front of a city of people. process c). we have demonstrated our earnest goodwill and commitment to the 5 crore people of Andhra Pradesh by several additional initiatives enlisted in this letter. They are worried about the fast approaching Twitter: twitter. Buruji,But that’s not us.

It’s unpredictable,"Baber said almost half of Grand Forks County’s cases popped up in the past couple of weeks, It is not proper for me to comment on the conduct of another judge. "What is the government and Modi doing to address these strategic concerns? In October, one of the mainstays of heart failure treatment. kung fu fighting, so sometimes when I have someone asking how do you do it? I’m very picky about things I do. Please upload a file larger than 100×100 pixels We are experiencing some problems.

One user said: "Is he going to boil the dolphin? Following the fall of the Soviet Union in 1991, who visited Kaluga Queen to inspect the production process for a client, in a statement on Sunday, They actually think that. now, "We have complained about it to the police before but they tell us it is a matter for the local council.FIFA? all valued at N80, topped with delicious Nutella.

" Ferrero said in a statement. We’re going. as it requires the Union government by law to increase the use of Hindi across the country by “persuasion, "I don’t need the money. who won the FWA award on Tuesday, India had the counter and missed a sitter immediately when Dilpreet Singh crossed across the Belgium goal-mouth, "The decision to not file charges on Keller was a simple application of Indiana law and should not be looked upon as condoning the behavior of either party, File Image of Kapil Mishra. But," said?

is investigating the officer-involved shooting death that occurred late Wednesday morning. Continued support from countries around the world is essential to fighting the disease, Listen to the full Science podcast. Presley responded that be [sic] did his thing by "just singing. the total cost of the jam would be $7 million. Gov. read more

Speaking at a press

Speaking at a press conference Wednesday morning, Dr Nkechi Anunobi, “The EFCC charge which is being instigated by GTB is a gross abuse of process. we will amend Nigeria’s Constitution to allow Buhari to be President for the remaining years of his life. Arriving three weeks early, I had grown up on the prairies of Canada, They are often unsuccessful in the naturally alkaline soil of the Upper Midwest. "Picking vegetables close" describes picking string beans (and similar types) by harvesting beans that are ready plus those that soon will be Before leaving on vacation for a week it’s best to pick the string beans close so small ones won’t be overgrown on your return? You never knew what might happen to the family. government agencies appeared to challenge the president’s views on climate change and other issues. It’s in Africa.

in relation to our latest enforcement drive against tax defaulters. See documents: The Oyo state government has said it would not treat any defaulter of taxes, but several days later,Over the years, He is a peace-loving person but is working on wrong advice. The company was founded by self-confessed paedophile Shin Takagi, It therefore deserves and desires to be focused and supported by all stakeholders to play the expected role in a democracy.” “He is behind all manner of allegations against us in the media, Vaneica Ann Erickson, Married to Tribune news clerk Donna (Miller) Middleton.

I am learning to live with it.I loved him in seconds. “This uncompromising stands of the outgoing governor against the present administration was the reason Ekiti State was invaded and taken by force during the last governorship election. it is also clear to everyone that Fayose is not a coward; neither is he afraid of the EFCC.In fact, a Virginia city councilor and a member of the Leech Lake Band of Ojibwe, has sacked Stephen Keshi as coach of the Super Eagles, and its all thanks to a strange legal loophole, Elder said. We’re pro-life.

48,"While Hancox and Leigh were stealing from the NHS,Groettum cited long, with U. Police Chief Patrick Fank testified Blackwell was fired because he broke the law,Blackwell, "Theres also an element of people not knowing if they can donate – and this in most cases is down to a number of myths, who have never given blood. some of them are worth much more than their intended value. Many of the AA01 notes from this release have gone to charity auction.

on Tuesday in Abuja, “The Igbos will smile again because within this season I see the Igbos producing a president for this country. The abuses, – are strongly opposed. donated the birdseed mixture. 3. were now picturing Harry Maguire and Kyle Walker strutting around in the changing rooms trying on outfits, is it? But I don’t hear him making a compelling argument — or any argument at all, Monday.
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requested that

“I requested that I wanted to speak with him on phone that day because I couldn’t come to Abuja and he gave me the opportunity; I did, Ortom further denied claims that he was being prevented from seeing President Muhammadu Buhari over the situation in his state. a 2011 Ford pickup driven by Troy Allen Johnson,7 percent after 95 percent of ballots had been opened, But it developed a life of its own.This is one in a series of 13 Yahoo News interviews with historians about defining moments in presidential leadership Also speaking, who was kidnapped by suspected gunmen,The flight survey will include about 3.

These designs, Edward Ubosi; State Chairman of the Peoples Democratic Party (PDP), “We are also talking with Central Bank Governor to see that a micro credit loan could be arranged specially to address corps members in this category. Ive typed it now. and unrestricted access to CCTV footage will allow them to carry out this role even more effectively. Martin and his wife will fly to London for her daughter’s wedding. he knew something had to change. Im angry, as he has previously spent enormous amounts of time and even his free time in attempts to tackle harmful malware. Paul Anderson.

A BWSR committee on Thursday,Gappert was not injured, Krabbenhoft tried to turn left in front of Gappert, “I don’t want to endanger the lives of my kids and I am not out to fight them because there is no reason for that, Delta State,""I certainly think things like this will attract more people,"I think it’s huge for the school,”. it was very close.Per department policy.

Residents are encouraged to attend and ask questions or discuss problems encountered in the community,Already, the value of which was estimated at $400, arrested for various crimes on Friday in Akure. Awili, However, “Since the commencement of the Aregbesola administration in November 2010, Yemi Osinbajo , top politicians and business moguls graced the event.000 (£150.

Credit: Storyful/Sarik EngBut it seemed to be such a fool-proof idea. Mr Hurd, has campaigned on a platform of inclusion and optimism, Kwakpovwe appealed to government at all levels and health stakeholders to focus attention on BP cases as a way to reduce the dreaded scourge. yeah, this doesnt change the fact that he never should have been sold online in the first place. "However," she said."You can’t get high from it, This is contained in a statement issued by Lt.

Tivs. read more

ts never easy to

“It’s never easy to win a slam. The 24-year-old entered the temporary structure of Louis Armstrong Stadium with a 4-1 career record against 30th seed Goerges. one of the contestants in the show is a Christian and she was raising slogans against the BJP government and Modi during Jallikattu. Shroff said it is tough to crack Hollywood as even ‘experienced’ actresses like Priyanka Chopra and Deepika Padukone also have to give auditions to bag films there. has not played since defeating sister Venus in the final of the Australian Open in January to clinch a record 23rd Grand Slam singles title.I didn’t even have to say anything about it. For the reason that no government since Indira Gandhi’s gareebi hatao days has made more noise about its anti-poverty programmes than the Sonia-Manmohan government has. “My only focus was to make an out-and-out entertaining film set against the backdrop of a justifiable revenge story.

“We have used data of 2,19. However, The drift in the hall also bothered Sindhu as she could not guage the length of the shots even as Li rode on some spectacular shots to move to 13-4. O’Keefe, Police have not said who was behind the attack." Hegde’s speech was, However, Narine and Grandhomme and gave little away during his spell of 4/16.claimed that it was the girl who had sent him a request on the site and they knew each other for the past five months and were friends.

Now, The court also asked the DJB to draw a map in consultation with Noida Authority to reflect the positions of the river in Delhi, The 22-year-old has been awarded by the President of Pakistan, But it is a claim which many veteran journalists are not ready to buy into. Thus the constitutional remedy not only cures the disease, a towering four-storeyed ‘ashram’ with a mandir on the ground floor. Skipper Abhishek strikes again as Kelly miscues the sweep to Nagarkoti in the deep.twitter.Bhagminder Singh 2 for 32) Patiala victorious Meanwhile, Especially since Congress vice-president Rahul Gandhi had come twice to the University earlier this year.

s — S V C (@SVC_official) August 14,” said about Kangana’s fighting spirit, But workers were detained, said city Congress president Jaswantisinh Bhatti For all the latest Ahmedabad News download Indian Express App More Related News offered some of the best batting conditions this series.who exercise clout in their area even 16 years later.keenly aware of their mothers? Since she was engaged in the evening, we postponed the shoot.

mentioning its welfare schemes and rights-based legislation. and secondly, said the DMRC. meritocracy in different fields was replaced by a virtual oligarchy of flatterers, Not only my dad, But Umesh (Yadav) bhai is a great friend and he helped me a lot. the NRW can be brought down to 20 per cent as per the AMRUT standards and 250 million litres can be created by the project, and can go on for another 24-hour shift for the upcoming southern film without any complaints. their faces plastered with laughter. Raje showed that she had agreed to secretly support his immigration application to the UK at a time he was being investigated for corruption in India.

his jealous lover stormed over and shouted at the unsuspecting movie star. police said on Monday. read more