DS News Webcast: Friday 1/24/2014

first_img The Best Markets For Residential Property Investors 2 days ago Previous: Housing Recovery Unmoved by Rising Interest Rates Next: Recovery Expected to Enter ‘Middle Innings’ in 2014 Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Related Articles Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Welcome to the new DSNews.com. Existing-home sales increased 1% month-over-month to an annualized rate of 4.87 million in December, according to the National Association of Realtors. At the same time, November’s numbers were revised downward. Even with prices and mortgage rates slated to rise, NAR says sales should hold fairly steady in 2014 as job numbers improve.Experts at Freddie Mac and Equifax echoed those sentiments. They expect falling unemployment and economic growth to keep the housing market on solid ground in 2014. Frank Nothaft, chief economist at Freddie Mac, says the economy should increase by 2.5% to 3% this year, which should empower more consumers to buy homes, but there’s still a long road ahead and a lot of healing left to do.Equifax’s chief economist Amy Crews Cutts says one thing to keep an eye on is the pace of household formations in the months ahead. Cutts pointed out that the number of new households created annually fell sharply when the recession hit—and she’s not expecting much change in 2014. Farther down the line, though, she says the lack of buying today could trigger a swell of pent-up demand, once these prospective homeowners start to feel more financially secure. Sign up for DS News Daily Demand Propels Home Prices Upward 2 days agocenter_img About Author: DSNews in Featured, Media, Webcasts DS News Webcast: Friday 1/24/2014 Is Rise in Forbearance Volume Cause for Concern? 2 days ago Home / Featured / DS News Webcast: Friday 1/24/2014 Governmental Measures Target Expanded Access to Affordable Housing 2 days ago  Print This Post Share Save 2014-01-24 DSNews January 24, 2014 508 Views Subscribelast_img read more

How credit unions can fight fraud with today’s tokenization – TMG’s Brandon Kuehl explains

first_img 11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The Members Group Brandon Bolger and Brandon Kuehl (Team Brandon, if you will) recently penned a white paper entitled: “U.S. Participates in the Global Fight Against Card Fraud.” One would hope we would be leading that charge, but that’s another story for another time.To dive in deeper on this topic, we invited half of Team Brandon, Brandon Kuehl, to give us the latest on this fight that we seem to be barely ahead of. We discussed such topics as EMV deadline — and its ramifications on the exploding digital payment arena, tokenization supplementing EMV, tokenization going beyond Apple Pay, EMV obsolete (before it even gets started in the U.S.), fraudsters foiling tokenization, and much, much more.It’s an information-packed interview with Brandon on a white-hot topic in which 100% of credit unions should be interested. Don’t miss it — and let us know your thoughts on this topic, as it seems to evolve daily. continue reading »last_img read more

Pulis exit by ‘mutual consent’

first_imgCrystal Palace have described manager Tony Pulis’ departure as being by ‘mutual consent’. Press Association “It’s something you have to nurture and bend at times to make it work and that’s what Steve and I have done.” Former Cardiff boss Malky Mackay has been installed as the early favourite to succeed Pulis, with Tim Sherwood, Neil Lennon and David Moyes also considered possibilities. Palace announced in a statement on their website on Friday: “Crystal Palace Football Club can confirm that Tony Pulis has left the club by mutual consent with immediate effect. “Keith Millen will be in temporary charge of the team for our opening Barclays Premier League game against Arsenal this Saturday. “The club would like to thank Tony for his efforts with the club during last season and wish him all the best for the future.” First-team coach Keith Millen will take temporary charge for the Eagles’ opening Barclays Premier League match against Arsenal on Saturday. Pulis was appointed manager in November and led Palace to survival, an achievement that earned him the Premier League manager of the season award just three months ago. The Eagles picked up just seven points from their opening 12 games but Pulis’ arrival instigated a remarkable turnaround as the team finished 11th in the table and 12 points clear of the drop. Pulis’ departure reportedly stems from disagreements with co-chairman Steve Parish over the club’s transfer policy. Palace have so far signed former Blackpool goalkeeper Chris Kettings, Martin Kelly from Liverpool, Fraizer Campbell from Cardiff and Brede Hangeland from Fulham but failed to finalise deals for the likes of Gylfi Sigurdsson, who returned to Swansea, and Steven Caulker, who joined QPR. Pulis’ relationship with Parish was strained during the initial period after he took charge, but the former Stoke boss insisted at the end of last season he was not unhappy at the club. “That’s nonsense,’ Pulis said. “In the first couple of weeks Steve and I had our moments but the longer the season has gone on the closer we’ve got. “Our relationship, which I think is the most important at a football club, has got more and more solid. “I had a fantastic relationship with my last chairman at Stoke – the way we thought and worked things out was one of the main reasons why that club was so successful. last_img read more

The quick guide to South Africa

first_imgWhat languages do South Africans speak? Is South Africa a democracy? Are there big cities with modern amenities? Are the roads tarred? How far will my money go? You’ve got three minutes to spare? Here’s the lowdown on why South Africa’s going to surprise you.South Africa has more than 51-million people of diverse origins, cultures, languages and beliefs. (Image: Brand South Africa)Brand South Africa reporterWelcome to the southern tip of Africa. Here, two great oceans meet, warm weather lasts most of the year, and big game roams just beyond the city lights.This is where humanity began: our ancestors’ traces are still evident in fossilised footprints 80 000 years old, and in the world’s oldest rock paintings. Today, South Africa is the powerhouse of Africa, the most advanced, broad-based economy on the continent, with infrastructure to match any first-world country.You can drive on wide, tarred highways all 2 000 kilometres from Musina at the very top of the country to Cape Town at the bottom. Or join the millions of international travellers who disembark at our airports every year.About two-thirds of Africa’s electricity is generated here. Around 40% percent of the continent’s phones are here. Over half the world’s platinum and 10% of its gold is mined here. And almost everyone who visits is astonished at how far a dollar, euro or pound will stretch. Welcome to the Republic of South Africa.Who lives in South Africa?South Africa is a nation of 51.77-million people of diverse origins, cultures, languages and beliefs. Around 79% are black (or African), 8.9% “coloured” – the local label for people of mixed African, Asian and white descent – 8.9% white, and 2.5% Indian or Asian. Around 280 000 people classified themselves as “other” in the census undertaken in 2011.The majority of South Africans are Christian, the largest church being the indigenous Zion Christian Church, followed by the Dutch Reformed and Catholic churches. Many churches combine Christian and traditional African beliefs, and many non-Christians espouse these traditional beliefs. Other significant religions – though with much smaller followings – are Islam, Hinduism and Judaism.South Africa’s peopleWhat languages do people speak?There are 11 officially recognised languages, most of them indigenous to South Africa. Just under 40% of the population speak either isiZulu or isiXhosa. You don’t speak either? If your English is passable, don’t worry. Everywhere you go, you can expect to find people who speak or understand English.English is the language of the cities, of commerce and banking, of government, of road signs and official documents. Road signs and official forms are in English. The President makes his speeches in English. At any hotel, the receptionists, waiters and porters will speak English.Another major language is Afrikaans, a derivative of Dutch, which northern Europeans will find surprisingly easy to follow.The languages of South AfricaIs South Africa a democracy?South Africa is a vigorous multiparty democracy with an independent judiciary and a free and diverse press. One of the world’s youngest – and most progressive – constitutions protects both citizens and visitors. You won’t be locked up for shouting out your opinions, however contrary.Democracy in South AfricaWhat about apartheid?Up until 1994, South Africa was known for apartheid, or white-minority rule. The country’s remarkable ability to put centuries of racial hatred behind it in favour of reconciliation was widely considered a social miracle, inspiring similar peace efforts in places such as Northern Ireland and Rwanda. Post-apartheid South Africa has a government comprising all races, and is often referred to as the rainbow nation, a phrase coined by Nobel Peace Prize winner Desmond Tutu.A short history of South AfricaIs foreign business welcome?The “open for business” signs are up. The country offers an investor-friendly environment in which 100% foreign ownership is allowed. Repatriation of profits is liberal. The exchange rate is favourable. And if you’re doing businesses anywhere in Africa, this is the gateway to the continent.South Africa: open for businessWhat’s the weather like?Summery, without being sweltering. In Johannesburg, the country’s commercial capital, the weather is mild all year round, but can get cool at night. Durban, the biggest port, is hot and sometimes humid, a beach paradise.And in Cape Town, where travellers flock to admire one of the world’s most spectacular settings, the weather is usually warm, though temperamental. If you’re visiting from the northern hemisphere, just remember: when it’s winter over there, it’s summer over here. Bring sunglasses and sunscreen; leave the raincoat at home.South Africa’s weather and climateIs it a big country?To a European, yes. The country straddles 1.2-million square kilometres, as big as several European countries put together. To an American, maybe not – it’s an eighth the size of the US. Still, it’s more than a day’s drive down the highway from Johannesburg in the north to Cape Town in the south (if you’re driving sensibly), with the topography ranging across the spectrum from lush green valleys to semi-desert.How is it divided up?South Africa has nine provinces. Gauteng, the smallest and most densely populated, adjoins Limpopo, North West and Mpumalanga in the north. The Northern Cape, the largest province with the smallest population, is in the west. The Free State is in the middle of the country. And the coastal provinces of KwaZulu-Natal, the Eastern Cape and the Western Cape lie to the south.South Africa’s geographyAre there big cities with modern amenities?There’s more to Africa than lions. Johannesburg, a city of skyscrapers, sprawls wider than London or New York. The lights work, the water flows, there are multi-lane highways and – unfortunately – traffic jams.You can book into a Hilton or a Hyatt or a Holiday Inn and eat at cosmopolitan restaurants serving anything from sushi to burgers to crocodile steaks. Or you can lie back on a couch and choose from five analogue and over 50 digital TV channels.What are the big cities?South Africa has two capitals. Cape Town, the oldest city, is the legislative capital, where Parliament sits. Pretoria, 1 500 kilometres to the north, is the executive capital, where the government administration is housed.Next door to Pretoria, and close enough that the outer suburbs merge, is the commercial centre of Johannesburg, once the world’s greatest gold mining centre, now increasingly dominated by modern financial and service sectors. The second-biggest city is Durban, a fast-growing port on the eastern coast, and the supply route for most goods to the interior.South Africa’s major citiesHow do I get to South Africa?By air – unless you have a boat or rugged overland vehicle. More than 70 airlines and more than 23-million passengers a year move through South Africa’s 10 principal airports, including the three major international airports in Johannesburg, Cape Town and Durban.Getting to South AfricaYou say the roads are tarred?Yes, even in the smallest towns. The major centres are connected by more than 16 000 kilometres of tarred and regularly maintained national roads, including thousands of kilometres of dual carriageway. The national railway has about 30 000 kilometres of rail track connecting the smallest hamlets.South Africa’s transport networkI’ll be able to phone home?That, and more. With a network that is 99% digital and includes the latest in fixed-line, wireless and satellite communication, South Africa has the most developed telecommunications network in Africa.Almost 13-million South Africans own mobile phones, many using them to access the Internet. Increased capacity and more stable connections, largely as a result of undersea cables, as well as more competitive pricing are helping to grow the South African internet market.South Africa’s telecommunicationsAre there modern banks?South Africa has a world-class, sophisticated financial sector, abreast of all the latest technological trends. From the moment you step off the plane you’ll start seeing banks, bureaux de change and automatic tellers (ATMs) all over. All major credit cards can be used in South Africa, with American Express and Diners Club enjoying less universal acceptance than MasterCard and Visa. Foreign banks are well represented, and you can bank by ATM or internet.How far will my money go?With a favourable exchange rate for many international currencies, you’ll find South Africa a very inexpensive destination. South Africa’s unit of currency is the rand, which is divided into 100 cents. Coins come in denominations of 5c, 10c, 20c, 50c, R1, R2 and R5, and notes in denominations of R10, R20, R50, R100 and R200.Banks and foreign exchange in South AfricaCan I drink the water?High-quality tap (faucet) water is available in South Africa’s urban areas, but not all water in rural areas is safe to drink straight from the tap.In some areas, the water is mineral-rich, and you may experience a bit of gastric distress for a day or two until you get used to it. Bottled mineral water, both sparkling and still, is readily available in most places.Is it safe to walk around?Like anywhere, yes – provided you don’t go wandering about deserted streets at the dead of night. Yes, there is crime in South Africa. But you don’t need to do more than take the usual sensible precautions.Know where you’re going before you set off, particularly at night. Don’t walk alone or display valuable possessions carelessly in public. Lock the doors at night. And, like anywhere else in the world, know that there are some areas of the major cities where outsiders present a more vulnerable target. It is easy to avoid these areas without lessening your enjoyment of a country and a people who are, with a few exceptions, remarkably warm and welcoming.Is it true that there are robots on the street corners?Yes, there are. In South Africa, traffic lights are known as robots, although no one knows why. A pick-up truck is a bakkie, sneakers are takkies, a barbeque is a braai, an insect is a gogga and an alcoholic drink is a dop.South African English is lekker!Will I get to see wild animals?You won’t have to go far to do so. An hour’s drive from such urban jungles as Pretoria and Johannesburg, you can see lions, elephants, buffalo and hundreds more species in their natural environments.One of the world’s first wildlife conservation areas was South Africa’s Kruger Park, more than a century old. Today it is part of a single broad conservation area that spans private and public game parks and stretches across national borders into neighbouring Mozambique and Zimbabwe.There are other reasons for visiting South Africa too: golden beaches, some of the world’s best surf, spectacular scenery ranging from mountains to deserts, eco-systems found nowhere else in the world, an opportunity to experience African culture first-hand – and one of the least expensive holiday destinations you’ll find.South African travel experiencesWould you like to use this article in your publication or on your website? See Using Brand South Africa material.last_img read more

Industry Insights: Composing for Supergirl, Riverdale, and Nancy Drew

first_imgSherri Chung has scored some of your favorite TV shows, so we asked how her process works, how her career has developed, and what she wants in a project.Sherri Chung sat down with us to discuss her work, how she got where she is now, and the range of projects she has worked on.BLINDSPOT: Season 2. Pictured:  Sullivan Stapleton as Kurt Weller, Jaimie Alexander as Jane Doe. (Photo by Matthias Clamer/NBC).PremiumBeat: It’s hard not to view your body of work in television — Blindspot, Supergirl, Riverdale — and not see a thread of material with strong, provocative, young women. Are you drawn to these projects or do these projects gravitate to you?Sherri Chung: I think they’ve been gravitating to me! I also think it’s a sign of our times right now — strong, young women make for a really great story. There’s vulnerability, but by making them strong, there is a beautiful juxtaposition. It’s a real joy to compose for these characters that are great role models.KEVIN PROBABLY SAVES THE WORLD scoring session composed by Blake Neely and Sherri Chung.PB: Most people don’t come to Hollywood and immediately begin composing for film and television. You’ve worked, both, as a composer’s assistant and as an orchestrator. What did these roles entail and how have they contributed to your success today?SC: I think they were pivotal. That’s something that I’ve always thought was important for me, and it is something I suggest to people trying to work in the composer industry. It is really good to get into the underbelly of things and work under, or alongside, composers who are further along in their careers than you are. You won’t have as much responsibility as they do, but you will have an incredible window into what they are doing.As an orchestrator, and assistant to Walter Murphy, I was able to go to his sessions every week and watch how he dealt with musicians. And, with handling his orchestrations, I was able to figure out how he was writing for this group. Sometimes, I was able to be privy to the other challenges he faced as a composer, including time and budget and other things you just don’t know about, when you first get here. I think that is really important to learn about the business side, along with the music side.BLINDSPOT scoring session composed by Blake Neely and Sherri Chung.PB: You’ve managed to nurture some wonderful, working relationships in this industry. What are the secrets to success when collaborating, such as you do, with Blake Neely, or build rapport, such as you have done, with Walter Murphy?SC: I do think that it’s important to recognize when there are opportunities to learn. Try to be a sponge, soak up what you can. I recommend that you try to read the relationship really well and know what your role is. If it’s support, be supportive, and be a team player.For working with Blake, he, of course, has many years of experience, so I have learned a lot from him. Initially, I served as his additional writer, so I had to match his stylistic threads. It was a dichotomy and balance, because I had to not rock the boat, but also, at the same time, bring my own personal approach.Now, as a collaborator, we have projects we are starting on together, like The Red Line. In these, there is even more room to add my personal voice, because we are starting it together.Ultimately, everything is relationship-based in this industry. So, it’s important to learn from each other, but, also, have the confidence to contribute. It’s about mutual trust and respect. PB: What are you looking for when you start a new project? How much of what you do is mined from the script, from the discussions on tenor and tone with the director, producers or writers, or from the actual footage?SC: When I am starting a new project, it’s an information intake heavy time. I try to be patient with myself — maybe I don’t have all the ideas right away. At the same time, as I begin to think about the project, I want to be receptive to the director’s ideas. I want to see her ideas visually, if I can. Maybe there is a sizzle reel, mood reel, or script that I can read. Or, if they want to send me music from other projects or films that they have really liked. I’m open to those things. It is an art form to put a story together, and almost everything is mined from those initial discussions. I’m trying to understand both the context of the story, as well as, the context of the person who made the story, and where they are coming from.Nancy Drew and the Hidden Staircase.PB: You recently composed the score for the Ellen Degeneres produced film Nancy Drew and the Hidden Staircase. This is a character that originally appeared, in print, in 1930. That’s a long history of popularity. Are you a fan of the series? How did you choose the musical voice for such an iconic franchise?SC: I definitely knew about the series! What was really appealing about working on this particular character was that, by nature, the character was really groundbreaking. The fact that Nancy Drew was such a trailblazing character, especially for the time period of the 30’s, made it a really fun project to work on.I like adventures and stories that are adventurous. I think there was a thought in my brain to have elements in the music that seem classic, but also elements that seem present day, as well. So maybe, in that fashion, almost give a timeless sense when you mix the two. Specifically, I used elements from an orchestra, as well as, from a rock band. Not necessarily mixing those styles together, but using the different palettes for different moments that made sense. It was such a great opportunity to breathe life into her story, through music.PB: What’s next for you?SC: My next project is a limited series called The Red Line by Ava DuVernay, that is very different from the super heroes and mystical worlds that I’ve been scoring, recently. It is very rooted in today’s reality. It has some political statements and commentary on what is going on in the world and our society. I can’t wait for audiences to see it!Looking for more industry interviews? Check these out.Insights into the Cinematography of the Award-Winning Doc-Series “Tales By Light”The Costume Design Behind Star Trek, House of Cards, and Greek WeddingTom Cross on Editing First Man and Working with IMAX FootageInterview: Tips for Blending Documentary and Narrative in “The Drug Runner”Interview: Outspoken Comedian Tess Rafferty on Getting Politicallast_img read more

10 months agoEx-Man City fullback Greg Leigh hopes NAC Breda fans now behind him

first_imgEx-Man City fullback Greg Leigh hopes NAC Breda fans now behind himby Paul Vegas10 months agoSend to a friendShare the loveFormer Manchester City fullback Greg Leigh hopes he’s now winning over fans at NAC Breda.Having been snapped up from Bury last summer, Leigh suffered a slow start to his Eredivisie career.However, the defender impressed for victory over Vitesse and acknowledged the support and chants of “Leigh, Leigh, Leigh” from NAC fans.”I heard it, yes. I tried to shut myself off, but I heard it. I cannot deny that it makes you bigger as a player, it is good for your self-confidence,” he said.”I know what it has been like when I have not been able to convince, that is the most important thing for me. The criticism was sometimes justified, I can do better, I know.” About the authorPaul VegasShare the loveHave your saylast_img read more

10 months agoSolskjaer proves Man Utd record breaker: We want to entertain

first_imgAbout the authorPaul VegasShare the loveHave your say Solskjaer proves Man Utd record breaker: We want to entertainby Paul Vegas10 months agoSend to a friendShare the loveOle Gunnar Solskjaer admits he’s happy to be breaking records at Manchester United.Paul Pogba scored twice while Marcus Rashford and Romelu Lukaku also netted to stun Bournemouth.And Solskjaer is only the THIRD United boss in history to win his first three games in charge.He declared: “We want to go attacking. We’ve been at home two games and have to entertain the crowd.”You have good players, they want to learn, improve — I just want to do my bit.”We created some great chances — some fantastic attacking football.”That’s what the fans want to see and the players are enjoying themselves.” last_img read more

RCMP stunned Thunder Bay police chief told mayor he was target of

first_imgKenneth JacksonAPTN NewsWhen the RCMP called the chief of Thunder Bay police to let him know he had a leak in his department involving an investigation into the city’s mayor for alleged extortion they weren’t prepared for what they were about to hear, a court heard Monday.Just a few days had passed since the RCMP first went to Thunder Bay police on Dec. 14, 2016 with details of their extortion investigation into Mayor Keith Hobbs and Hobbs already knew.Three Mounties called Chief Jean-Paul Levesque Dec. 22 to let him know he had a leak and were expecting he would find out who it was.They learned in that call with Levesque it was he who told Hobbs.“I was stunned. I didn’t know what to say. There was nothing to say,” testified RCMP Cpl. Ron Miller in the opening day of Levesque’s breach of trust and obstruction of justice trial at the Thunder Bay courthouse.The call ended quickly and the three Mounties sat in silence for about 20 seconds just looking at each other.“Is that what we heard, that the chief told the mayor of the investigation?” said Miller describing to the court what he thought of Levesque’s admission.The RCMP was in the process of handing the file over to Thunder Bay police who were then going to ask the Ontario Provincial Police to investigate.Hobbs had spent 34 years as an officer on the Thunder Bay police before becoming mayor.The OPP had to wait for the RCMP to hand over all of its investigation, which was basically a lengthy recorded interview with the complainant in the case against Hobbs which needed to be transcribed.Miller sent the first 20 pages of the transcription Dec. 21 to now acting Deputy Chief Don Lewis, but after the call with Levesque he testified they stopped all communication with Thunder Bay police and in January directly forwarded the file to the OPP that would later charge Levesque in May.Thunder Bay Mayor Keith Hobbs.Levesque told the Mounties during the call on Dec. 22 he hadn’t told Hobbs who the complainant was but based on testimony in court Hobbs had a pretty good idea.The complainant was 36-year-old Craig Loverin, an Afghanistan war veteran, who was friends with local lawyer Sandy Zaitzeff.Loverin testified in the morning that Hobbs set up a meeting in the parking lot of a Metro grocery store and Tim Horton’s on the evening of Nov. 17.He said Hobbs got into his vehicle and gave him a white USB memory stick that contained several videos of Zaitzeff being recorded at his home.Loverin said he was directed to give Zaitzeff the memory stick that Hobbs claimed to have gotten from a Thunder Bay police detective.The court would hear later in the day from RCMP Const. Darryl Waruk, that Loverin said that Hobbs claimed to have two current Thunder Bay police detectives who “owed him” after he destroyed cellblock video when the officers had bodily fluid thrown at them back when Hobbs was still on the force.No more details were provided to the court.RCMP Cpl. David Leonard testified Loverin came to him and several other Mounties Dec. 8 and gave a full statement the following day.Leonard said Loverin told said Hobbs told him to give the videos to Zaitzeff so he “knows how much trouble he is in.”The court heard that Hobbs wanted Zaitzeff to buy his ex-girlfriend, Mary Voss, a home for $420,000, when he had only planned to purchase one for $250,000. If he didn’t Zaitzeff would be on the front page of a national magazine.By the time Loverin went to the RCMP last December Zaitzeff had already been charged in late November with several counts of sexually assault.Hobbs and his wife Marisa Hobbs were both charged with extortion and obstruction of justice in July.Voss was charged with extortion.Hobbs had been on leave as mayor but recently returned to the council chambers.The trial continues [email protected]last_img read more