The UN World Health Organization (WHO), the UN Environment Programme (UNEP) and other partners in the Intersun Project are targeting children because they are both most vulnerable and most exposed to UV, the agencies said.”As a significant part of a person’s lifetime exposure to UV comes before the age of 18, it is obvious that educating children and young people about the dangers of UV exposure is key to preventing the consequences of this, and school programmes have been shown to be the most effective way of reaching and educating children,” WHO Director-General Lee Jong-wook said in Geneva.The School Sun Protection Package – launched on the occasion of the International Day for the Preservation of the Ozone Layer, which is observed on 16 September – comprises three booklets that guide schools and teachers on how to develop effective sun education programmes and materials to evaluate the effectiveness of such initiatives. WHO said between two and three million new cases of non-malignant melanomas and more than 130,000 new melanoma skin cancer cases occur worldwide. An estimated 66,000 deaths occur annually from melanoma and other skin cancers.
A dentist died after being engulfed by flames when he lit a cigarette near a flammable chemical in his surgery, an inquest heard.Noel Cooney, 78, unwittingly spilled the substance on his clothes while tinkering with dental moulds at his home-based practice in Darwen, Lancashire.His wife Patricia, 76, heard him shout for her and she burst into the room where she saw him covered in flames, the inquest at Blackburn’s Old Town Hall heard.She desperately tried to extinguish the blaze by covering him with a rug from the living room but was forced to run out as smoke filled the property.Passersby tried to get into the house to help as the accident unfolded on the morning of 27 September last year, but were forced to retreated due to the fumes.Mrs Cooney said her husband had gone into the his surgery with a cup of coffee and just a few minutes later she heard him calling for help.”He was standing near the door to the waiting room, and he was on fire,” she said in a statement read out at the inquest.”There were flames on his clothes and arms. I ran back into the front room to get a rug to cover the flames but when I returned he was sitting on the floor and the flames had spread and there was smoke everywhere.” A police and fire service investigation into the cause of the fire found that it likely started when Mr Cooney spilled a colourless liquid chemical used to make dental moulds on himself without realising, then lit a cigarette which ignited it.Coroner James Newman, who recorded a verdict of misadventure, said: “He wouldn’t have realised he was on fire until he felt some discomfort, and due to the smoke inhalation, Noel would have lost consciousness quite quickly, and I don’t believe he would have suffered for any period of time.”Mr Cooney’s family paid tribute to him after the tragedy, saying he was “amazing” and “would do anything for anyone”. Want the best of The Telegraph direct to your email and WhatsApp? Sign up to our free twice-daily Front Page newsletter and new audio briefings. read more
A hotel just not enough space for you when you’re on vacation? How does a village sound? Still too cramped? What about an entire country? If you’re the kind of person that just needs to spread out a little bit when you’re away from home, rental service Airbnb would like to offer you one of ten rental towns (or even the small country of Liechtenstein) as your personal getaway.The company’s usual service involves renting out users empty apartments while they’re away to travellers needing a place to stay and similar person-to-person short-term rentals. Now, they’ve partnered with marketing company Xnet to expand their offerings to whole geographic areas. Airbnb’s website suggests that Xnet will take the villages and “transform them into highly customized settings for events, corporate retreats, conferences and more.” I’ve heard of themed hotels, themed parties and themed vacations, but a themed country is an entirely new one. If you ever wanted a small country in Europe to bend to your every will, and your name isn’t Nikita Khrushchev circa 1958, now’s your chance.AdChoices广告Of course, this is all a huge marketing stunt, but given that Liechtenstein is apparently a hot rental property, there’s no doubt some people will buy into it. It’s not exactly the most economical of travel plans to make either; Liechtenstein is $70,000 a night with a minimum two night stay. Thankfully, according to its listing, it accommodates between 450 and 900 people. Rental villages hover around $50,000 a night, if you don’t feel spendy enough to lay down the cash for an entire nation.[via Airbnb] read more
Image: Shutterstock/Pushish Images 15 Comments Driver disqualifications will not extend to other EU countries Transport Minister Shane Ross told Cabinet this week that government would be repealing the section of the Act as it has been proven to be unworkable. MOTORISTS DISQUALIFIED FROM driving in other European Union countries will not be disqualified from driving in Ireland following a repeal of Section 2 of the Road Traffic Bill.Transport Minister Shane Ross told Cabinet this week the government would be repealing the section of the Act as it has been proven to be “unworkable”.The section gave effect that a driver’s disqualification made in another EU state would carry over to all EU states.However, it was repealed by the European Union last year, with the minister stating that Ireland must now bring it into effect.Producing your driver’s licence The minister also proposed an amendment to the Act that would make not producing your driver’s licence upon conviction in court an offence.It follows reports that drivers were avoiding getting penalty points on their licence by telling the judge they did not have their licence with them in court.The amendment to Section 22 of the Act would see that it be mandatory for a driver to produce their licence in court and not producing it would be counted as a further offence.Penalty point offences are recorded on the offender’s driving licence and remain on the licence for a period of three years.Read: Zappone’s adoption laws will see thousands able to access their birth certs>Read: ‘Have they no conscience?’ Frances Black lets rip at pubs selling pints for €1> By Christina Finn http://jrnl.ie/3096472 Nov 27th 2016, 7:30 AM Short URL Tweet thisShare on FacebookEmail this article Share47 Tweet Email 13,226 Views Image: Shutterstock/Pushish Images Sunday 27 Nov 2016, 7:30 AM read more
Facebook Twitter: @NeosKosmos Instagram According to the 2011 census, released by the Australian Bureau of Statistics yesterday, average monthly home-loan repayments have increased 40 per cent over the five years since 2006, rising to $1,800 from $1,300. The average home loan increased 15 per cent to $299,200 from $261,100. The percentage of households with a home loan increased a little over the census cycle, to 34.9 per cent from 34.1 per cent. There are signs of greater stress among the mortgage-paying population. For 9.9 per cent of households, their mortgage repayment was more than 30 per cent of their income in 2011, up from 8.4 per cent in 2006, the Australian Bureau of Statistics said. Source: Banking Day read more
Much of the work being done at this stage supports both projects, according to Dunn. The Alaska Stand Alone Pipeline (ASAP) is Alaska’s in-state natural gas pipeline project designed to develop an affordable, long-term energy solution for Fairbanks, South-central, and as many other Alaskan communities as possible.It would be a 733-mile, low pressure pipeline that will run from Prudhoe Bay to Point MacKenzie, with a 30-mile lateral line between the main pipeline and Fairbanks. While AGDC has been advancing both projects at different stages, the corporation is primarily focused on the Alaska LNG Project. ASAP remains as the State’s back up project. Kathy Dunn, Marketing Manager for AGDC: “The vision of the AGDC is to maximize the benefit of Alaska’s vast North Slope natural gas resource for Alaskans. Our purpose is to look at what the resource is on the North Slope, and make sure that we’re doing with that resource benefits Alaska first.” Facebook0TwitterEmailPrintFriendly分享Progress is already underway on two feasible projects for the Alaska Gasline Development Corporation: the well known Alaska LNG Project, and the lesser known ASAP project. The U.S. Army Corps of Engineers (Corps), in cooperation with the Bureau of Land Management, National Park Service, Environmental Protection Agency, U.S. Fish and Wildlife Service, U.S. Department of Transportation and Hazardous Materials, and Alaska Department of Natural Resources, prepared the final Supplemental Environmental Impact Statement (SEIS) for the ASAP project. read more
WILMINGTON, MA — Below are some of the newest job openings in Wilmington:Full-Time Box Truck Delivery Driver at Optima ShippingPart-Time Afternoon Route Delivery Driver at Optima ShippingFull-Time Sous Chef at Glendale Senior DiningPart-Time Server at Glendale Senior DiningFull-Time Cook at Glendale Senior DiningFull-Time & Part-Time Cooks, Dish Washers & Servers at 99 RestaurantFull-Time Movers & Drivers at Two Men And A TruckPart-Time Office Receptionist at Leonardo Physical TherapyFull-Time Probate Paralegal at Morana Law OfficeFull-Time Trust Funding/Asset Alignment Administrator at Morana Law Office(NOTE: Wilmington businesses — Feel free to send me your job postings at firstname.lastname@example.org.)Like Wilmington Apple on Facebook. Follow Wilmington Apple on Twitter. Follow Wilmington Apple on Instagram. Subscribe to Wilmington Apple’s daily email newsletter HERE. Got a comment, question, photo, press release, or news tip? Email email@example.com.Share this:TwitterFacebookLike this:Like Loading… RelatedNOW HIRING: 50 New Job Openings In Wilmington (Week of August 18, 2019)In “Business”NOW HIRING: 10 New Job Openings In WilmingtonIn “Business”NOW HIRING: 10 New Job Openings In WilmingtonIn “Business” read more
A Rohingya refugee child is handed food rations at Jamtoli refugee camp near Cox’s Bazaar, Bangladesh on 29 March. Photo: ReutersRohingya refugees returning to Myanmar will have no explicit guarantees of citizenship or freedom of movement throughout the country, under a secret agreement between the government and the United Nations seen by Reuters.The UN struck an outline deal with Myanmar at the end of May aimed at eventually allowing hundreds of thousands of Rohingya Muslims sheltering in Bangladesh to return safely and by choice, but did not make the details of the deal public.Reuters on Friday reviewed a copy of the memorandum of understanding (MoU) agreed between the UN and Myanmar authorities. The draft also leaked out online.Citizenship and rights of refugees who return to Myanmar were key points of contention during negotiations over the agreement to restore access to conflict-ravaged Rakhine state for UN agencies that have been barred since last August.The MoU states “returnees will enjoy the same freedom of movement as all other Myanmar nationals in Rakhine State, in conformity with existing laws and regulations”.However, it does not guarantee freedom of movement beyond the borders of Rakhine or address the laws and regulations that currently prevent Rohingya from travelling freely, according to the text seen by Reuters.Refugee leaders and human rights groups say the agreement fails to ensure basic rights for the Rohingya, some 700,000 of whom have fled a military crackdown some Western countries have called “ethnic cleansing”.“As it stands, returning Rohingya to Rakhine means returning them to an apartheid state – a place where they can’t move around freely and struggle to access schools, hospitals and places they rely on for work,” said Laura Haigh, Amnesty International’s Myanmar researcher. “Nothing in this document provides any guarantees that this will change.”The UNHCR, the UN’s refugee agency, has previously called the MoU a “first and necessary step to establish a framework for cooperation” with the government.Myanmar government spokesman Zaw Htay and Social Welfare Minister Win Myat Aye did not answer multiple phone calls seeking comment. The director of the Ministry of Labour, Immigration, and Population said he was not authorized to comment and directed enquiries to the permanent secretary, who did not answer the phone.Reuters confirmed the contents of the MoU with sources at two international non-governmental organizations. The 30 May draft seen by Reuters was written a day before the deal was signed, but the phrasing of key sections was consistent with a background briefing by UNHCR for diplomats and NGOs also seen by Reuters, and a letter from UNHCR explaining the agreement delivered to refugees in Bangladesh.“Very Angry”Rights groups and aid agencies said the UN High Commissioner for Refugees and the UN Development Programme, which spent months negotiating the deal, had not won strong concessions from the Myanmar government, especially on the key issues of citizenship and freedom of movement.A UN spokeswoman said its policy was “not to comment on leaked documents”.“UNDP and UNHCR and the government of Myanmar continue the discussion about publicly releasing the text of the MoU,” the spokeswoman said in an emailed statement.Buddhist-majority Myanmar does not recognize the Rohingya as an indigenous ethnic group and so denies citizenship to most. The government refers to them as “Bengalis”, a term they reject as it implies they are interlopers from Bangladesh even though many trace their roots in the country back generations.The MoU, which does not refer to refugees as Rohingya, requires the government to “issue to all returnees the appropriate identification papers and ensure a clear and voluntary pathway to citizenship for those eligible”.But most Rohingya leaders say they will not return without guarantees of citizenship and reject the National Verification Card, an alternative identity document Myanmar has been pushing them to accept, saying it classifies life-long residents as new immigrants and does not allow free travel.On Monday, Reuters reported a senior Myanmar official told Western diplomats that a proposal to review a citizenship law that effectively renders Rohingya stateless could not be implemented.“We are very angry with this MoU,” said Mohibullah, chairman of the Arakan Rohingya Society for Peace and Human Rights, a Rohingya organization based in the refugee camps in Bangladesh. “It does not mention the term Rohingya. Also it says free movement within Rakhine state, but that is very difficult for us.”He said Rohingya had been told by UNHCR officials that the agreement was solely about granting access to northern Rakhine for aid agencies. “We will not accept this MoU.” read more
Racism in gay dating. | MTV Decoded / Facebook Racism is a big problem in the gay community, survey findsGay man attempts to sue Grindr for allowing ‘No Asians’ commentsCourtney Act reveals she’s dealing with her own sexual racismRead the full article on Gaystarnews: :https://www.gaystarnews.com/article/preferences-gay-dating-apps-racist/ Watch:A study conducted last year found racism is a huge problem in the gay community.Over 850 black, white, Asian, South Asian, Arab, and mixed race gay men participated in the survey.It found that 80% of black men, 79% of Asian men, 75% of South Asian men, 64% of mixed race men and 100% of Arab men have experienced some form of racism in the LGBTI community.It also found gay dating apps are one of the worst places for racism within the LGBTI community. This then includes harmful stereotypes and fetishization.See related articles:Black men are more than just sports and sex Racism is a big problem in the gay community, survey finds Produced by MTV Decoded and guest hosted by Dylan Marron, the video explains why writing ‘Only into white guys’ on your dating profile is actually structural racism.Marron explains: ‘Racial “preferences” are shaped by learned values.’He then says: ‘When you’re judging a person based solely on their racial background, you’re acting on generalizations you’ve learned to associate with that person’s appearance or heritage.Racial stereotypes. | Photo: MTV Decoded / Facebook‘We’re not born with preconceived notions about race. We actually learn how to define what is attractive from those around us,’ he says.He then explains Western beauty standards glorify white people.Marron says sexual discrimination is linked to racial stereotypes rather than inherent preferences. eTN Chatroom for Readers (join us) Got a news tip? Want to share your story? Email us . GAYSTARNEWS- A new video perfectly explains why having ‘preferences‘ on gay dating apps is racist. Share this:TwitterFacebookLike this:Like Loading… read more
Siemens Go.Top CT scanner at SCCT19Video Player is loading.Play VideoPlayMuteCurrent Time 0:00/Duration 1:05Loaded: 15.14%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -1:05 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. 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Related Content Videos | Cardiac Imaging | July 30, 2019 VIDEO: The History of CT Calcium Scoring Arthur Agatston, M.D., clinical pro read more Videos | CT Angiography (CTA) | August 07, 2019 VIDEO: Walk Around of a GE Cardiographe Dedicated Cardiac CT Scanner This is a quick walk around of the GE Healthcare Cardiographe dedicated cardiac CT system on display at the… read more Videos | Radiation Therapy | July 30, 2019 VIDEO: Use of Radiotherapy to Noninvasively Ablate Ventricular Tachycardia Pierre Qian, MBBS, read more Video Player is loading.Mark Ibrahim explains what EPs need from CT imagingPlay VideoPlayMuteCurrent Time 0:00/Duration 5:23Loaded: 3.08%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -5:23 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. 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This release… read more Video Player is loading.Pierre Qian explains radiotherapy to ablate VTPlay VideoPlayMuteCurrent Time 0:00/Duration 7:34Loaded: 2.19%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -7:34 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. 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Video Player is loading.GE Cardiographe cardiac CT scanner at SCCT19Play VideoPlayMuteCurrent Time 0:00/Duration 0:38Loaded: 26.15%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:38 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. 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FacebookTwitterLinkedInPrint分享 Videos | Cardiac Imaging | July 30, 2019 VIDEOS | EP LAB | JULY 26, 2019 VIDEO: What Electrophysiologists Need From CT Imaging Prior to AF and VT Ablations Mark Ibrahim, M.D., F read more News | PACS | August 08, 2019 NetDirector Launches Cloud-based PDF to DICOM Conversion Service NetDirector, a cloud-based data exchange and integration platform, has diversified their radiology automation options… read more November 3, 2011 — Infinitt North America announced that their Xelis Cardiac product has received clearance from the U.S. Food and Drug Administration, and is now widely available to the North American market. Xelis Cardiac is a 2-D, 3-D and 4-D display and analysis tool for coronary computed tomography angiography (CTA) and left ventricle analysis (LVA). It is one of several advanced visualization tools for specialized clinical applications that Infinitt markets under the Xelis name.The system can be used as an integrated solution with the company’s web-based picture archiving and communications system (PACS) or as a standalone solution. This allows any third-party PACS user to query, view and analyze DICOM studies.The device includes three diagnostic modules: Vessel Analysis (VA), Functional Ventricle Analysis (FA) and Calcium Scoring (Ca).Vessel AnalysisVA is a software program designed to improve visualization and analysis of coronary arteries, improving detection of abnormalities such as stenosis, soft plaque and aneurysms.Key Features:- Automatic removal of rib cage, auricle and ventricle- Intelligent detection and labeling of coronary vessel- Vessel boundary extraction- 4-D VR/MPR display and multi-phase handling- CPR / C-CPR (Curved Planar Reconstruction) for the traced vessels and 90 degree rotation- Stenosis analysis- Soft plaque analysis- Vessel protection from sculpting tool- Exports images and report in Microsoft Word or DICOM Send back to PACSFunctional AnalysisFA provides quantitative analysis of heart function. It analyzes ventricular volume, ejection fraction (EF), ventricle and wall thickness.Key Features of FA:- Automatic removal of rib cage, auricle and ventricle- Automatic segmentation of LV contours in all views (HLA,VLA,SA)- Automatic LV boundary with manual editing- Auto selection of end diastole (ED) and end systole (ES) phases- Bull’s eye view with resulting values- Cardiac functional analysis of: ED/ES Wall Thickness ED/ES Wall Intensity Wall Thickening Wall Motion- Exports images and report in Microsoft Word or DICOM Send back to PACSCalcium ScoringCa (currently under FDA 510 (k) review) detects, analyzes and measures calcium build up in the coronary arteries, a known predictor of heart disease.Key Features of Ca:- Identifies all coronary vessels containing calcium- Allows quick selection and labeling of all coronary arteries- Calculates calcium score according to threshold values (Agatston score) – Displays Agatston score with summary of patient’s current risk status- Exports images and report in Microsoft Word or DICOM Send back to PACSFor more information: www.infinittna.com Videos | CT Angiography (CTA) | August 07, 2019 VIDEO: Walk Around of a Siemens Go.Top Dedicated Cardiac Scanner This is a quick walk around of the new Siemens Somatom Go.top cardiovascular edition compact computed tomography (CT) read more Video Player is loading.Arthur Agatston explains the history of CT calcium scoring Play VideoPlayMuteCurrent Time 0:00/Duration 9:54Loaded: 1.67%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -9:54 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. 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Technology | November 21, 2011 Infinitt Xelis Cardiac Software Receives FDA Clearance Video Player is loading.Cynthia McCollough explains new advances in CT technologyPlay VideoPlayMuteCurrent Time 0:00/Duration 13:56Loaded: 1.17%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -13:56 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. 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News | Medical 3-D Printing | August 08, 2019 RSNA and ACR to Collaborate on Landmark Medical 3D Printing Registry The Radiological Society of North America (RSNA) and the American College of Radiology (ACR) will launch a new medical… read more News | CT Angiography (CTA) | August 06, 2019 Artificial Intelligence Improves Heart Attack Risk Assessment When used with a common heart scan, machine learning, a type of artificial intelligence (AI), does better than… read more Videos | Computed Tomography (CT) | July 30, 2019 VIDEO: New Advances in CT Imaging Technology Cynthia McColl… read more read more
Sunwing, Princess Hotels incentive comes with 4X STAR points Tuesday, April 2, 2019 Travelweek Group Share << Previous PostNext Post >> Posted by TORONTO — All month long agents booking Princess Hotels & Resorts packages with Sunwing can earn 4X STAR agent reward points.The incentive runs April 1 – 30 and applies to all new package bookings departing May 1, 2019 – April 30, 2020 to Princess Hotels & Resorts properties. Sunwing’s STAR agent reward points convert to cash. Princess Hotels & Resorts’ prime beachfront locations across Mexico and the Caribbean make it one of the most popular resort chains with a high repeat guest rate, varied dining options and an abundance of land and water activities, says Sunwing.To help close the sale Sunwing is offering several incentives including reduced rates at participating properties, resort credits and special group rates where the eighth passenger travels free. Clients can also benefit from room upgrades for a Suite for the price of a Junior Suite at Bavaro Princess All Suites Resort, Spa and Casino and a Deluxe Junior Suite for the price of a Junior Suite at Grand Sunset Princess All Suites and Spa Resort. Travellers who book before April 17, 2019 can also take advantage of Sunwing’s Price Drop Guarantee promotion, allowing vacationers to claim up to $200 cash back per person should the price of their vacation package drop closer to their departure date. The promotion also includes a reduced deposit of $100 per person and a $50 travel voucher per person to be used towards their next vacation.Among the resorts included in the promotion, the beachfront Family Club at Grand Riviera Princess All Suites and Spa Resort in Riviera Maya offers activities and amenities for all ages, including rooms that accommodate families of five or more. Another top five-star choice is Grand Sunset Princess All Suites and Spa Resort, also in Riviera Maya, with 10 restaurants, 12 pools, a daily supervised kids club and a range of complimentary water sports. For adults-only getaways one option is the luxurious Platinum Yucatan Princess All Suites Resort and Spa, with world-class service, lavish spa treatments and unlimited à la carte dining at gourmet restaurants around the complex.Each time an agent makes a booking at a participating resort, their name will be entered into a weekly draw for a chance to win a seven-night vacation for two at a select Princess resort, including Platinum Yucatan Princess All Suites Resort and Spa, Bavaro Princess All Suites Resort, Spa and Casino and Punta Cana Princess All Suites Resort and Spa. The more bookings an agent makes, the more chances they have to win. Tags: Agent Incentives, Princess Hotels & Resorts, Sunwing read more
The Federal Housing Administration (FHA) announced on Tuesday the passing of two new rules—one that prohibits lenders from charging interest on FHA-insured mortgages after the date they’re paid in full and one that requires lenders to give borrowers earlier access to information regarding FHA-insured adjustable-rate mortgages (ARM).One of the rules, entitled Handling Prepayments: Eliminating Post-Payment Interest Charges, will prevent borrowers from having to pay post-settlement interest, which is defined by the Consumer Financial Protection Bureau (CFPB) as a “prepayment penalty.” The rule applies to FHA-insured mortgages that will close on or after January 21, 2015.FHA also announced two new requirements for lenders in a rule known as Adjustable Rate Mortgage Notification Requirements and Look-back Period for FHA-insured Single Family Mortgages that will be applied to FHA-insured ARMs that originate on or after January 10, 2015. Lenders must now notify borrowers on FHA-insured ARMs at least 60 days in advance (but not more than 120 days) of an adjustment on their mortgage payment. The current rule requires lenders to provide a minimum of 25 days’ notice.The second requirement of the ARM rule involves the “look-back period,” or the number of days a lender “looks back” to the index value in order to determine the new interest rate on a reset loan. Lenders must now base interest rate adjustments for reset mortgage loans on the index value available 45 days before the rate adjustment date. The current look-back period is 25 days.”Together, these new rules are responsive to the regulations implementing the Truth-in-Lending Act (Regulation Z) as revised last year by the CFPB,” FHA said in a release. “These policies provide consistent protections for borrowers with FHA-insured mortgages, while ensuring borrowers have early access to information when making decisions about their FHA mortgages.” August 26, 2014 487 Views Share FHA Unveils Rules on Post Payment Charges, ARM Adjustments Adjustable-Rate Mortgages FHA HUD Regulations 2014-08-26 Seth Welborn in Daily Dose, Government, Headlines, News read more
Freddie Mac’s Portfolio Picks Up for First Time in 2014 Freddie Mac Mortgage-Backed Securities Refinance Volume Summary 2014-08-27 Tory Barringer in Daily Dose, Headlines, News, Secondary Market Share August 27, 2014 505 Views Boosted by an increase in secondary market purchases and a decline in sales, Freddie Mac’s portfolio grew for the first time this year in July.The mortgage giant reported 0.1 percent annualized growth in its total mortgage portfolio last month—a turnaround after six straight months of declines. Year-to-date, the portfolio’s annualized growth rate is -1.7 percent.As of July 31, the portfolio’s value was up still slightly under $1.9 trillion.Purchases and issuances totaled $25.4 billion throughout the month, up from June’s $24.6 billion. July’s increase was the second in as many months.Activity was weak, however, compared to July 2013’s recorded $42.3 billion in purchases and issuances.Freddie’s single-family refinance-loan purchase and guarantee volume was $9.2 billion in July, representing about 40 percent of total new single-family mortgage portfolio activity. Relief refinance mortgages accounted for 20 percent of the company’s single-family refinance volume based on unpaid principal balance.The company reported 6,727 loan modifications through the month, ratcheting the year-to-date total up to 41,982. read more
Non-resident bank deposits registered a 13 per cent drop in 2018 as a result of stricter anti-money laundering (AML) policies adopted by the banking sector, the central bank of Cyprus (CBC) said on Friday.Including special purpose entities, non-resident deposits dropped by €1.4bn, or 12.7 per cent year-on-year in 2018, compared with a 2.1 per cent fall in 2017.“This is partly due to the stricter guidelines to banks as part of reinforcing AML practices,” the CBC said in its annual report.As regards local deposits, the report said the uncertainty created by the sale of the co-operative central bank stabilised the deposits of Cyprus residents, which chalked up a €2.1 per cent rise on an annual basis compared with a 5.5 per cent increase at the end of 2017.In June last year, the CBC had instructed supervised banks to avoid business with “shell and letterbox companies.”The term ‘shell companies’ refers to non-public traded, limited liability companies and other entities to which any of the following could apply: There is no physical presence, i.e. “a meaningful mind and management” in the country they are domiciled other than a mailing address, the companies have no established economic activity, they have little to no independent economic value lacking documentary proof to the contrary and the jurisdiction in which they are registered does not require the submission of independently audited accounts.The CBC report coincided with a report on money laundering by the US State Department’s Bureau of International Narcotics and Law Enforcement Affairs.According to the report, at the end of 2017, Cyprus had 217,588 companies registered, many by nonresidents.“The Cypriot financial system is vulnerable to money laundering by domestic and foreign criminal enterprises and individuals, although proceeds generated abroad pose a greater threat,” the report said. “Despite legal requirements to identify beneficial owners to government authorities, some Cypriot law and accounting firms help construct layered corporate entities to mask the identities of financial beneficiaries.”The report said organized criminal groups and others have reportedly used Cypriot banks to launder proceeds, particularly from Russian and Ukrainian illicit activity.It warned that the gaming sector may pose new, “potential vulnerabilities as the Cypriot authorities adjust to supervising casino-based activity.”The State Department acknowledged that Cyprus continues to upgrade its AML legal framework and has finalised its first AML/CFT national risk assessment (NRA) on November 30, 2018.“The NRA assesses the money laundering threat as high to the Cypriot banking sector and medium-high to trust and company service providers, lawyers and accounting firms.”The NRA identified numerous areas for improvement, including more effective implementation of AML laws and regulations, enhanced capacity building and awareness training in all sectors, and specialised training for prosecutors, investigators, and the judiciary.The report said the CBC circular on shell companies has led banks to close noncompliant accounts and refuse to open new ones that did not meet the criteria.The Bank of Cyprus alone has terminated 8,070 customers, some with multiple accounts, and has rejected 4,354 potential new customers. As a result, it has incurred a loss in turnover of €4.5bn between 2015 and 2018 and a €13.3m in net profit.The lender said it also eliminated hundreds of professional intermediaries – from 1,601 in 2014, the bank now has 287.The other big bank, Hellenic, has reportedly closed over 10,000 accounts in recent years. Deposits from high-risk countries have been reduced by more than 50 per cent and currently account for less than five per cent of the total.The lender has lost €2om in profits because international business de-risking and has also cut introducers by 50 per cent since 2014.You May LikeSolar SolutionsCalifornia Will Pay Homeowners to Install SolarSolar SolutionsUndoDr. Marty ProPower Plus Supplement3 Dangerous Foods People Feed Their Dogs (Without Realizing It)Dr. Marty ProPower Plus SupplementUndoDr. Marty3 Warning Signs Your Dog Is Crying For HelpDr. MartyUndo Pensioner dies after crash on Paphos-Polis roadUndoCruise passenger airlifted to Paphos hospitalUndoRape suspects look set to go through police line-upUndoby Taboolaby Taboola read more
Police caught a 14-year-old driver in Limassol early on Friday morning after a chase during which the youngster committed a number of traffic offences.Around 3.20am, officers signaled for a car to stop, but the driver picked up speed instead, driving dangerously in his attempt to flee.The officers followed the driver who jumped a number of red lights before they caught up with him.After he was stopped officers discovered the driver of the vehicle was a 14-year-old resident of Limassol. Another four minors, aged 15 to 17, were with him in the car.They were all taken to a police station and their parents called.The driver and his father, the owner of the car, were charged.The passengers were handed over to their parents.You May LikePopularEverythingColorado Mom Adopted Two Children, Months Later She Learned Who They Really ArePopularEverythingUndoLivestlyChip And Joanna’s $18M Mansion Is Perfect, But It’s The Backyard Everyone Is Talking AboutLivestlyUndoSmart Tips DailySeniors With No Life Insurance May Get A $250,000 Policy If They Do ThisSmart Tips DailyUndo Concern over falling tourism numbersUndoPensioner dies after crash on Paphos-Polis roadUndoCypriot tycoon launches ‘Bank of Cannabis’Undoby Taboolaby Taboola read more
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