What to Do With the QM Patch

first_imgWhat to Do With the QM Patch? Fannie Mae FHFA Freddie Mac Mortgages Qualified Mortgage 2019-05-22 Seth Welborn in Daily Dose, Data, Featured, Government, News, Origination, Secondary Market Sharecenter_img May 22, 2019 540 Views The American Enterprise Institute’s Edward Pinto, Co-Director of the AEI Center on Housing Markets and Finance, recently addressed the topic of the expiring QM patch, and specifically criticized possible solutions put forward by the Urban Institute, calling their analysis a “classic case of bad economics.”According to Pinto, Urban Institute’s recommended loan pricing standard cannot work, and the recommended Annual Percentage Offer Rate (APOR) would promote higher risk, rather than constrain it. Pinto notes that in order for a loan’s pricing to reflect risk, the loan must be priced for risk.“As I noted back in 2013, FHA, the riskiest lender in the marketplace, does not price for risk,” Pinto said. “Thus its loans, no matter how risky, will easily and conveniently meet the APOR plus 150 basis point test.”As for Fannie Mae and Freddie Mac, the APOR is based on the current offer rate for conventional, conforming mortgages with 20% down. According to Pinto, these are precisely the mortgages that the GSEs purchase in huge quantities. But government policy effectively requires the GSEs subsidize higher risk loans by charging higher rates on lower risk ones. This amounts to about $5 billion per year. In the process the APOR is raised and most, if not all, subsidized higher risk loans are under the APOR plus 150 basis point test.“The result? Nearly all, if not all, of government insured loans (about 85% of the home loan market), will pass the APOR test regardless of risk. This is the test touted by UI as “reflect[ing] credit risk more holistically,” said Pinto.Pinto concludes that the Urban Institute’s APOR recommendation to the CFPB are dangerous, especially to low- and moderate- income borrowers. He suggests that the best option would be to just let the patch expire in 2021, which, according to FHFA director Mark Calabria, is key to bringing the GSEs out of conservatorship. Patch usage has grown in the last few years, and according to Calabria, changing the patch would be a key tool to shrink Fannie and Freddie without a full overhaul, though he states that he does not intend to do away with it entirely.In a recent interview with the Wall Street Journal, Calabria stated that he wants to put the now-profitable GSEs back into private hands, something that has been tried and failed by lawmakers in the past.“I see my goal as setting a path to end the conservatorship” for the companies, he said, adding that “they have to be stronger, healthier companies” compared to before the 2008 housing crisis.“My objective is to get us to a spot where we don’t have to worry about the system blowing itself up,” he continued.last_img read more

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2019-08-15

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November 20 2018

first_imgNovember 20 , 2018 The U.S. Centers for Disease Control (CDC) has warned consumers not to eat Romaine lettuce after an E. coli outbreak that has so far sickened 32 people across 11 states.This is the second E. coli outbreak linked to Romaine lettuce so far in 2018, following an outbreak that sickened more than 190 people and killed five at the beginning of the year.  The CDC told consumers to throw away any romaine lettuce they may already have purchased.In addition, restaurants should not serve it, stores should not sell it, and people should not buy it, no matter where or when the lettuce was grown, and no matter if it is chopped, whole head or part of a mix.Of the ill people, 13 have been hospitalized. No deaths have yet been reported. Illnesses started on dates ranging from Oct. 8 – 31, with symptoms typically taking two to three weeks to appear.Most illnesses have been registered in California (10) and Michigan (7). Cases have also been reported in Illinois, Massachusetts, Maryland, New Hampshire, New Jersey, New York, Ohio, and Wisconsin.The Food and Drug Administration (FDA) and states are working to trace back Romaine lettuce that ill people ate in the current outbreak. No common grower, supplier, distributor, or brand of romaine lettuce has yet been identified.  You might also be interested incenter_img Perishable Pundit: The words that can’t be spoken …last_img read more

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2019-08-13

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Beyond TravelCroatiaCruise Croatia

first_imgBeyond TravelCroatiaCruise Croatia The Beyond Travel Group has officially launched Australia’s only dedicated Croatian cruise holiday brand, Cruise Croatia.The impetus for the brand creation has been the burgeoning demand from agents and clients for the destination in the past four years.General manager of business growth Peter Smith said it was time to create a unique and separate brand, adding that Cruise Croatia will “… champion the destination in a way that has never been done before in Australia, … already offering over 60 cruises of varied itineraries and styles.“Croatia has come of age as a cruising destination and the best way to see it is on a small ship allowing you VIP access to the harbours, islands and inlets as well as mooring right where you want to be in the historic towns of Dubrovnik and Split. In true Beyond Travel style, we have built a team of dedicated handpicked travel professionals who, with their extensive knowledge, will offer exceptional service to our Cruise Croatia customers and travel agents,” said Smith.last_img read more

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2019-08-12

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Emirates and flydubai have announced 16 additional

first_imgEmirates and flydubai have announced 16 additional destinations to which Emirates’ passengers will be able travel on a single ticket with the new, expanded network including sought-after destinations such as Zanzibar, Kathmandu and Kilimanjaro.For bookings under the codeshare, Emirates passengers will receive complimentary meals and the Emirates checked baggage allowance on flights operated by flydubai in both Business and Economy.Emirates President, Sir Tim Clark said: “We are thrilled with the positive response from travellers. Nearly 14,000 sectors have been ticketed during the first week of operation, surpassing our expectations. We have witnessed strong demand for travel from Europe and the United States to South Asian destinations.” New codeshare destinations:· Bratislava (Slovakia)· Chittagong (Bangladesh)· Djibouti (Djibouti)· Dushanbe (Tajikistan)· Hargeisa (Somalia)· Istanbul – Sabiha Gokcen (Turkey)· Kathmandu (Nepal)· Kilimanjaro (Tanzania)· Mattala Rajapaksa (Sri Lanka)· Makhachkala (Russia)· Podgorica (Montenegro)· Sylhet (Bangladesh)· Ufa (Russia)· Voronezh (Russia)· Yerevan (Armenia)· Zanzibar (Tanzania) Emiratesflydubailast_img read more

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2019-08-12

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Crooked CompassLisa PagottoSkal International Sydn

first_imgCrooked CompassLisa PagottoSkal International Sydney Travel trade can purchase tickets now for next week’s Skal International Sydney lunch, with guest speaker, Founder of Crooked Compass, Lisa Pagotto.A rising star in the industry – in 2017 she brought Crooked Compass to the scrutiny of some of Australia’s top business minds on Australia’s “Shark Tank” – Pagotto will share her knowledge on how to develop a strong niche brand.“I look forward to sharing my journey, from the struggle of being a lone ranger in a young business, through to the immense highs of seeing the idea boom. I hope my story can inspire others to back themselves and to focus on what they really want in their life and career.” Pagotto has lived and breathed the travel industry since 2003. Excelling in all facets from product development, price contracting and negotiations, to heading up sales, marketing and strategic teams across Asia Pacific. Adventure and experiential travel is close to Pagotto’s heart. She believes to truly experience a destination you must completely immerse yourself in it and live like the locals do. Crooked Compass is focused on the unique, remote, and lesser known or untouched destinations, as well as fresh ways to explore old haunts. The Skal International Sydney lunch is being held at 12.30pm on Wednesday 14 February at The Grace Hotel, 77 York St Sydney. last_img read more

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2019-08-12

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Etihad Airways will increase its flights from Abu

first_imgEtihad Airways will increase its flights from Abu Dhabi to London Heathrow, from three to up to four daily services, to meet peak demand during the month of April. Commencing 5 April 2019, the flights will be operated by a two-class Boeing 787-9, featuring Etihad Airways’ next-generation Business and Economy cabins, configured with 299 seats – 28 Business Studios and 271 Economy Smart Seats.James Harrison, General Manager for Etihad Airways in the United Kingdom and Ireland, said: “We are thrilled to announce more flights to London during April, in response to increased demand in the lead up to and post the Easter holidays. This is a busy travel time for families looking to enjoy the extended school holiday. This extra service will allow our guests more choice and flexibility with their travel plans.” Abu DhabiEtihadlondonlast_img read more

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2019-08-12

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Dbacks president Derrick Hall Franchise still f

first_img D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ Darnell Dockett is a character.He tweets while being pulled over by the police, about hispet alligator and, well, anything else that’s on his mind.He’s funny, confusing and, sometimes, frustrating. But he’s not James Harrison. Harrison, of course, is the Steelers linebacker who, amongother things, voiced his displeasure for NFLCommissioner Roger Goodell and complained about how hisQB, Ben Roethlisberger, basically lost Super Bowl XLV afew months back. Nevada officials reach out to D-backs on potential relocation Top Stories What an MLB source said about the D-backs’ trade haul for Greinkecenter_img Comments   Share   In the words of Chad Ochocinco, child please.Harrison’s statements are moronic at best, disturbing atworst. Still, one of the things that separates Dockettfrom Harrison is the fact that Nine-O never backs downfrom his comments. While he may not care what you thinkabout him or what he said, he is at least willing to ownup to the fact that those are actually his words.Harrison, on the other hand, is not. He came out later andclaimed he was misquoted, or hacked, or whatever. It’s anempty statement, really, because there is no doubt he saidwhat he was quoted as saying.Darnell Dockett and James Harrison. While both players saydumb things, the Cardinal has always come across asplayful. Harrison? He just comes across as a guy wholacking a clue. Cardinals expect improving Murphy to contribute right awaylast_img read more

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2019-08-11

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Cardinals expect improving Murphy to contribute ri

first_img Cardinals expect improving Murphy to contribute right away Nevada officials reach out to D-backs on potential relocation Of course, Manning to San Francisco would ensure thatCardinals’ fans would get to see #18 at University ofPhoenix Stadium, only wearing enemy colors. D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ Top Stories What an MLB source said about the D-backs’ trade haul for Greinke Wow!As the Arizona Cardinals’ chances to land Peyton Manningdiminish by the minute, another team has jumped into themix for the free agent quarterback’s services, accordingto Chris Mortensen of ESPN.Filedto ESPN: Third team in Manning race that has emergedis49ers – Manning worked out for Harbaugh &tookphysical this week #NFL32— Chris Mortensen (@mortreport) March 16,2012 Comments   Share   The 49ers were initially listed as a potential suitor forManning’s services, but were eliminated by most analysts“in the know”. The group of teams considered seriouscontenders was seemingly whittled to three Thursday whenthe Miami Dolphins stopped their pursuit, leaving theCardinals, Denver Broncos and Tennessee Titans aspossibilities.last_img read more

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2019-08-11

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The 5 Takeaways from the Coyotes introduction of

first_img The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Wilson’s intensity was unmatched, his toughness feared and his loyalty unprecedented. He was a Cardinal through and through, and when he hangs up his cleats for good there will no doubt be a place for him in the team’s Ring of Honor. Because there are not enough ways to honor someone who was a five-time team captain and is one of just six players in league history with at least 25 sacks and 25 interceptions.But that’s still a few years down the road. No doubt Wilson believes he can still play at a high level, and it would not be at all surprising to see him put together a couple more quality seasons. Putting on another team’s uniform will be strange for Wilson, just as it will be weird to see him wearing any color other than Cardinal Red. But that’s life in the NFL, and it’s something Cardinals fans should hope they have to start getting used to. This is new territory for the Arizona Cardinals.Rarely have they had a player as great as Adrian Wilson, and rarely have they had a player as great as Adrian Wilson stick around for more than a decade.But that’s what the safety did, and his 12-year run with the team officially came to an end Friday when the Cardinals announced his release.It was no doubt a difficult decision, but it’s one that many teams have made many times before. Just not the Cardinals, and that’s what makes this so tough to swallow. Derrick Hall satisfied with D-backs’ buying and selling But it was time.A five-time Pro Bowler, Wilson is clearly on the downside of his career. He racked up just 54 tackles in 2012 after seeing his role reduced, and it was time for the team to go in a different direction.“All of us thank Adrian for what he has meant not only to our organization but also to this community,” said Cardinals President Michael Bidwill in a press release. “In every franchise, there is a select group of players whose contributions earn them iconic status and for us, Adrian Wilson will always be one of those players.”The Cardinals never would have reached relevancy had it not been for Wilson. The Cardinals never would have won back-to-back NFC West titles had it not been for Wilson. The Cardinals never would have reached Super Bowl XLIII if not for Wilson.But the NFL is a business, and a harsh one at that. There’s little room for sentimentality if the goal is to win, and Bidwill has made it quite clear what his priority is. So, if that means parting with a fan favorite and franchise stalwart, so be it. This is the NFL, folks, and that’s what happens.“Decisions like this are never easy but it’s especially tough with someone like Adrian because he’s been such a special player and important part of this organization for the last 12 years,” Cardinals GM Steve Keim said in the same press release. Former Cardinals kicker Phil Dawson retires Top Stories Comments   Share   Grace expects Greinke trade to have emotional impactlast_img read more

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2019-08-11

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Markus Golden rushes during a drill in Arizona Car

first_imgMarkus Golden rushes during a drill in Arizona Cardinals training camp Monday, Aug. 3. (Photo by Adam Green/Arizona Sports) The Cardinals struggled there last season, ranking 24th in the NFL with just 35 sacks. And of those 35, just 14 came from the team’s linebackers. Take away Okafor’s eight and the number looks even worse.Enter Golden, who the team is hoping can bring down his fair share of quarterbacks, so long as they’re on the other team. He thinks he’s on his way to being that kind of player, noting he feels pretty good about where he’s at in his development in the early days of training camp.But there’s still plenty of room to grow.“When you’re learning a new system, you’re learning new technique, you’ve got to get better at everything,” he said. “Keep what you know, but at the same time you’ve got to improve at everything, and that’s what I’m trying to do.” – / 43 Former Cardinals kicker Phil Dawson retires Grace expects Greinke trade to have emotional impact GLENDALE, Ariz. — On one side of the field, at outside linebacker, the Arizona Cardinals plan on lining up Alex Okafor.A third-year pro out of Texas, Okafor led the Cardinals with eight sacks last season.On the other side of the field, at the other outside linebacker spot, a mystery looms. Or, if not a mystery, a competition.As far as contenders go, you have veteran Lorenzo Alexander along with a group of younger players. One of them, 2015 second-round draft pick Markus Golden, seems to be making a run early in camp. During Monday’s training camp practice, the first the team held with pads on, the former Missouri Tiger got a good number of reps with the first-team defense.However, Golden feels in no way like he has arrived.“I’m doing good but I know I can do better,” the 24-year-old said. “I can do way better. Way better. I can do way better. So that’s what it’s about for me, just make sure I get better every day and not dwell on the bad stuff I do. Just make sure I move forward and learn from it.”Though a bit unheralded in college, Golden was an excellent pass rusher for the Tigers, racking up 16.5 sacks over the last two seasons. A talented player, he may be even more well known for his motor, which is something Cardinals coach Bruce Arians said is a bit of an issue here in training camp.“Very active, gets way too close to the quarterback — especially when he’s unblocked — he’s still got too much college in him in that regard, and we’ve talked about staying away from the quarterback,” Cardinals coach Bruce Arians said. “But I liked his movement and he should add some good pass rush for us.”Toning things down, at least when facing off against teammates, is something Golden may have to learn. But probably more important than that, at least for the Cardinals’ prospects in 2015, is that he figures out how to get after opposing quarterbacks.center_img The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Top Stories Derrick Hall satisfied with D-backs’ buying and selling Comments   Share   last_img read more

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2019-08-11

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• How much are the Bears worth Teams 245 billi

first_img• How much are the Bears worth? Team’s $2.45 billion is 8th in NFL (Chicago Tribune)This is the 18th year that Forbes has compiled valuations of NFL teams. Some teams consistently rank high up the list (Cowboys ranked first the last 9 consecutive years), while the Bears are ranked at 8th.• In defense of Jay Cutler, sort of, after up-and-down game (Chicago Sun-Times)But I actually thought he played fairly well in the season opener. Can you say that after a quarterback tosses a game-changing pass to the other team? We can debate the question forever, and Cutler probably will never get the benefit of the doubt in these situations. But he played the prudent game that the new coaching staff wanted him to play, the way the ghost of coaching staffs past wanted him to play.• First-and-10: Bears must improve their pass rush (Chicago Sun-Times)There are some positives to draw from, but the Bears’ pass rush isn’t one of them. It was nonexistent. It’s one aspect that has to improve considerably, at individual and team levels, against the Arizona Cardinals and beyond. The Bears didn’t get one hit on Rodgers. • Deadly turnover far from the whole Jay Cutler story in Bears loss (CSNChicago.com)The pass that Jay Cutler threw to Green Bay Packers linebacker Clay Matthews in the Bears’ 31-23 loss last Sunday rightly has drawn arguably as much scrutiny as any interception Cutler has thrown in his years as Bears quarterback. There have been more bewildering jaw-droppers, but this was supposed to have been an improved model Cutler with the support of a run game and a more efficient offensive philosophy under coordinator Adam Gase.Tuesday, September 15• Bears re-sign Sam Acho, place Cornelius Washington on IR (ESPN.com)The Bears terminated Acho’s contract last Saturday due to a non-football illness, but a roster spot opened up after Washington suffered a season-ending injury in the Bears’ 31-23 loss to Green Bay.• John Fox ‘didn’t dislike’ Bears throwing four times on goal line (ESPN.com)Down 24-16, the Bears had first-and-goal at Green Bay’s 6-yard line, but failed to score as four straight Jay Cutler passes fell incomplete.• Jay Cutler has team’s support despite late pick against Packers (ESPN.com)“I think he did a tremendous job of managing our game, getting us in the right position, making the right calls, and protecting the ball for us,” Chicago Bears left tackle Jermon Bushrod said. Top Stories Former Cardinals kicker Phil Dawson retires Comments   Share   All week long, we’ll get you ready for the Cardinals-Bears showdown by taking you to Chicago and letting you know what’s going on with the opposition. It’s Behind Enemy Lines: Week 2.Friday, September 18• Jay Cutler doesn’t expect to take many chances with Patrick Peterson (ESPN.com)“You look at him – he’s 6-foot-1, 220 pounds and then he runs a 4.3 40-yard dash,” Cutler said. “You see him jam guys and then run with anybody on the field. He’s got unbelievable ball skills. He’s a guy you have to be aware of and you have to know where he is at. He’s not a guy you really want to take a lot of chances with.”• Bears linebacker Sam Acho on facing ex-team: Let’s freaking go (ESPN.com)The former Cardinals starting outside linebacker is finally over a rough stretch that derailed a promising start to the preseason. Several weeks ago Acho contracted a non-football related illness that knocked him out of commission and off the roster for Week 1 — the Chicago Bears cut Acho the day before their 31-23 loss to Green Bay.• Pernell McPhee misses practice with wrist, knee injuries (ESPN.com)One of the Bears’ best pass-rushers went backward on the injury report as outside linebacker Pernell McPhee missed Thursday’s practice with wrist and knee injuries. • Kyle Long and Vladimir Ducasse overcome language barrier on right side of offensive line (ESPN.com)“He’s a Haitian guy, so he has an extremely thick accent,” Long said with a chuckle. “I’m not quite sure what the accent is. None of us have really figured it out. There’s literally a language barrier at first. He’d be making calls to me, and I’d be like, ‘Dude, I don’t understand what you are saying.’ We had to come up with our own words and stuff.”• Three things Bears are watching in Cardinals prep (Chicago Sun-Times)Antrel Rolle thinks the Bears remind him of the Cardinals, his former team.But which ones? The Cardinals were 5-11 in his first two seasons before going 8-8 and then, in 2008, turning a 9-7 record into a Super Bowl appearance.• Bears waive third-string QB Fales (ChicagoBears.com)Selected in the sixth round of the 2014 draft out of San Jose State, he spent most of his rookie season on the practice squad. Fales was promoted to the 53-man roster last Dec. 13, but he did not appear in a game.• Real Talk: After Bears’ season-opening loss, why the mood at Halas Hall can be justifiably upbeat (Chicago Tribune)After sinking to humiliating depths nine months ago, the Chicago Bears are a bona fide football team again. That much is certain after a season-opening 31-23 loss to the Green Bay Packers in which Aaron Rodgers actually had to work for his three touchdown passes. There’s no such thing as a moral victory in the NFL. But the Bears certainly came away from Sunday’s defeat with reasons to be encouraged. Derrick Hall satisfied with D-backs’ buying and selling One down, 15 to go for the Arizona Cardinals.Bruce Arians’ team started the season in convincing fashion with a 31-19 win over the New Orleans Saints Sunday at University of Phoenix Stadium.But the Cards won’t have the luxury of playing at home, where they’ve won six straight openers, in Week 2. They’re off to Chicago to take on the new-look Bears at Soldier Field Sunday.Part of that new look for the Bears is on the sideline, as John Fox takes over for Marc Trestman as Chicago’s new head coach. The Bears dropped their opener, 31-23, to the Green Bay Packers Sunday. Despite the loss, there is plenty of optimism about the direction the team is taking. They played a good game against one of the NFC’s top teams and Fox has led two franchises — Carolina and Denver — to Super Bowl appearances. • Bears linebacker Sam Acho on facing ex-team: Let’s freaking go (ESPN.com)Former Cardinals starting outside linebacker Sam Acho just recently re-signed with Chicago where he’s become more of a special teams guy. This piece is book-ended with Acho reflecting on his time in Arizona.• Pernell McPhee held out of practice with a wrist and knee injury (Windy City Gridiron)Of course no specifics were offered up except a wrist and knee injury, but starting outside linebacker Pernell McPhee went from “limited” Wednesday to “did not practice” Thursday.• Jay Cutler hopes healthy WRs add new dimension (Chicago Sun-Times)This is the first time in six weeks the entire receiving unit has been healthy and Jay Cutler things it’s going to be a huge difference-maker. The guy he’s most excited about? Alshon Jeffery who they are hoping could loosen up the Bears’ rush.• Vic Fangio knows Bears’ enemies, but themselves? (Chicago Sun-Times)He knows the Cardinals — “You can definitely tell in meetings for sure,” inside linebacker Shea McClellin said — and he’s trying to ensure the Bears do, too.They’ve been watching last year’s Cardinals-49ers games for perspective. • ‘State of Jay Cutler’ still a question for Bears going into Week 2 (CSNChicago.com)Against that backdrop came the first game for Cutler under the new scheme – and mindset – for the offense, and for him. With time to assess, the overall reveals some major progress in the development of Cutler, yet at the same time a sign of steps still needed to be taken.• Go Figure: Will Jay Cutler’s streak of Week 2 magic continue? (Chicago Tribune)4-2: Cutler’s record as a Bear in Week 2 games. Last season, Cutler aided a rally from 17-0 down in the second quarter and threw four TD passes (three to Brandon Marshall) to land a 28-20 upset of the 49ers. In 2013, Cutler led a 10-play, 66-yard scoring drive on the Bears’ final possession against the Vikings, throwing a 16-yard TD to Martellus Bennett with 10 seconds left to produce a 31-30 win.• Vladimir Ducasse’s journey from Haiti to Halas Hall (Chicago Sun-Times)Ducasse didn’t see a football until high school. He was born and raised in Port-au-Prince, Haiti. His mother died when he was 5. At 14, and with his family seeking a better life for him, he was sent to Stamford, Conn., to live with his brother, aunt and uncle. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo • Bears OLB Jared Allen has options in Vic Fangio’s defense (Chicago Sun-Times)Jared Allen still loves to plant his hand in the grass. It still feels right after months of learning how to play in an upright two-point stance in coordinator Vic Fangio’s 3-4 defense.• Bears forming an identity, but what exactly is it? (CSNChicago.com)The mid-1980’s Bears had their identity; very, very good, and they annihilated people physically. The early 1970’s Bears theirs; not very good at all and seemed at times to play for the annihilation as much as the scoreboard, although there wasn’t always a lot of point playing for the latter. The 1940’s Bears were the Monsters of the Midway.Wednesday, September 16• Bears begin prepping to host Cardinals (ChicagoBears.com)Three days after their season-opening loss to the Green Bay Packers, the Bears return to the practice field Wednesday to prepare for Sunday’s home game against the Arizona Cardinals.• Kyle Long says Matt Forte earned the nickname ‘workhorse’ (ESPN.com)Forte’s offensive output in Week 1 offset concerns that his production would fall off the proverbial cliff once he turned 30.Forte carried the ball 24 times for 141 yards and one touchdown, to the surprise of almost no one inside the Bears’ locker room. • Alshon Jeffery is questionable with hamstring injury (Chicago Sun-Times)Jeffery is now dealing with a hamstring injury after a strained calf issue for the past couple of weeks. He was held out of practice because of the injury and is now questionable for Sunday. His calf injury is also still listed.Thursday, September 17• Cardinals’ Bruce Arians: Bears’ Jay Cutler ‘might be most misunderstood quarterback in the league’ (ESPN.com)It didn’t take long for Jay Cutler to like Bruce Arians.The two met when Arians interviewed with the Chicago Bears in early January 2013, soon after Lovie Smith was fired, and they instantly clicked.• Alshon Jeffery participates fully in practice, Pernell McPhee (wrist) limited (ESPN.com)The biggest injury development on Wednesday for the Chicago Bears was that wide receivers Alshon Jeffery, Eddie Royal and Marquess Wilson had full participation in practice, according to head coach John Fox.• Brian Urlacher might have extended his career under John Fox(ESPN.com)Brian Urlacher said Tuesday he might have kept playing for the Bears if John Fox had replaced Lovie Smith after the 2012 regular season.“I would have wanted to play more because of Coach Fox,” Urlacher said on “The Waddle and Silvy Show” on ESPN 1000. Grace expects Greinke trade to have emotional impactlast_img read more

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2019-08-11

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The Arizona Cardinals announced the addition of co

first_img The Arizona Cardinals announced the addition of cornerback Asa Jackson on a future contract for the 2016 season.Jackson himself tweeted about the news. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Bird gang!! Leh go pic.twitter.com/VP3uj44gpd— Asa Jackson (@WSB_916) January 28, 2016Jackson appeared in 18 games for the Baltimore Ravens over the past four seasons, including six starts. The 5-foot-10, 183-pound player set career highs in 2014 with 27 tackles and three passes defensed in seven games. Comments   Share   Baltimore Ravens cornerback Asa Jackson (27) runs past the Atlanta Falcons defense during the first half of an NFL football preseason game, Thursday, Sept. 3, 2015, in Atlanta. (AP Photo/Brynn Anderson) Derrick Hall satisfied with D-backs’ buying and sellingcenter_img Jackson originally entered the NFL as a fifth-round pick in 2012 out of Cal Poly. He played in four games for the Ravens this past season before being released on Nov. 19. He signed with the Cincinnati Bengals’ practice squad on Nov. 30, which is where he spent the rest of the season.On Tuesday, the Cardinals announced the signings of 11 players to future contracts, and then Wednesday revealed they had added Cariel Brooks on a similar deal. Top Stories Grace expects Greinke trade to have emotional impact Former Cardinals kicker Phil Dawson retireslast_img read more

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2019-08-11

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Arizona Cardinals Mike Iupati 76 gets ready to

first_imgArizona Cardinals’ Mike Iupati (76) gets ready to put a block on Josh Mauro, left, in Glendale, Ariz. (AP Photo/Ross D. Franklin) Former Cardinals kicker Phil Dawson retires It was 15 starts for Iupati in 2016, but he started only one game in 2017 before requiring surgery on his right elbow that ended his season.Related LinksSam Bradford must be a bridge to the Cardinals’ futureReport: Giants free agent OL Justin Pugh weighing Cardinals offerArizona Cardinals sign former Bengals OT Andre SmithIupati was the 17th overall pick in the 2010 NFL Draft out of Idaho by the San Francisco 49ers. In San Francisco during his rookie year, he played under new Cardinals offensive line coach Ray Brown, then an assistant offensive line coach.Iupati played for five seasons in San Francisco, making three Pro Bowls and earning First Team All-Pro in 2012.Iupati’s contract restructuring follows the news of the Cardinals planning to sign quarterback Sam Bradford to a one-year, $20 million deal. That deal for Bradford has $15 million guaranteed and a team option for a second year at the same base salary, per ESPN’s Adam Schefter.Along the line, the Cardinals reportedly will sign former Cincinnati Bengals tackle Andre Smith. They also put former New York Giants lineman Justin Pugh through a physical on Wednesday that checked out, according to Jurecki.When healthy — Pugh ended 2017 with a back injury placing him on IR — the 27-year-old has been one of the better, most versatile linemen in the league. He played 128 snaps at left guard and 308 at right tackle last year. 18 Comments   Share   The Arizona Cardinals will retain a significant name on the offensive line, as guard Mike Iupati will return to the team despite its ongoing cost-cutting measures, 98.7 FM Arizona’s Sports Station’s Mike Jurecki reported Wednesday.Iupati agreed to take a pay cut, dropping his base salary from $7.75 to $5 million guaranteed. His contract is voidable next season, Jurecki confirmed.The 30-year-old Iupati signed a five-year, $40 million deal with the Cardinals in 2015. He started in 13 games for Arizona that season, making the Pro Bowl for the fourth time and being named a Second Team All-Pro. Derrick Hall satisfied with D-backs’ buying and sellingcenter_img Top Stories The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Pugh would potentially slide in at right guard with Iupati returning and Smith and D.J. Humphries playing tackle.Meanwhile, it remains to be seen what will happen with Cardinals tackle Jared Veldheer, who remains under contract but could be the odd man out with the new additions. Grace expects Greinke trade to have emotional impactlast_img read more

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2019-08-11

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Go back to the enewsletter A group of lucky tra

first_imgGo back to the e-newsletter >A group of lucky travel agents was taken on a journey through Patagonia with Scenic, visiting cities including Santiago and Buenos Aires.Upon arrival in Santiago, Chile, after a night in the 5-star InterContinental Hotel, they began their day with a morning walk through the Barrio Lastarria, followed by an authentic Chilean morning tea. Over the next two days they experienced a nature retreat featuring scenery on the shores of Lake Pehoe, were thrilled at the chance to touch an iceberg and explored the national park renowned for its diverse wildlife.After crossing into Argentina, they visited the Glaciers National Park, learnt about glacier formations and toured the Perito Moreno Glacier. The agents concluded their stay by toasting the best Patagonia has to offer, with a whisky on glacial ice at their exclusive Scenic Sundowners event.The agents even got the chance to test out their Spanish, visiting the lively city of La Boca, meeting local dancers who entertained with an exclusive tango performance. Their last night in Buenos Aires was spent savouring the diversity of the city, through a range of Scenic Freechoice activities.Go back to the e-newsletter >last_img read more

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2019-08-11

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AYANA Resort and Spa Bali an awardwinning proper

first_imgAYANA Resort and Spa Bali, an award-winning property perched on 90 hectares of cliff-top overlooking Bali’s ‘sunset coast’, will celebrate its 20th anniversary this November.To commemorate AYANA Resort and Spa Bali and RIMBA Jimbaran Bali by AYANA are offering a ‘20 Ways to Celebrate’ package. Two people can enjoy an incredible three-night Bali escape with 20 free gifts, including: daily breakfast; sunrise yoga; Aquatonic experience; 20 minute Balinese massage; a special 20th anniversary dinner and cocktails at the famous Rock Bar, to name a few.Following the festivities, AYANA will continue to celebrate with the launch of its new spa offering and unveiling of 120 new rooms at RIMBA in December. Additional new openings will also roll into 2017 with the construction of a brand new beach club set to open on AYANA’s secluded 1.3-kilometre private Kubu Beach, as well as the complete refurbishment of two of AYANA’s exclusive wedding venues.At the helm of the resort and these exciting new developments is long-standing general manager, Clive Edwards, who continues to pioneer AYANA’s elite services and onsite amenities, aiming to lead the property into another 20 years of success.“The secret to AYANA’s enduring admiration isn’t just the assortment of great facilities and remarkably beautiful locations, but the personalisation and genuinely caring approach given to each guest,” said Mr Edwards.last_img read more

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2019-08-11

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Go back to the enewsletter

first_imgGo back to the e-newsletter Want to be in the luxury travel know? Subscribe to our free eNewsletter here to keep up to date with everything in the luxury travel industry. Insight Vacations last month broke ground in Jericho, Tasmania, as part of its paperless documentation initiative – having now planted the first 600 trees for guests who have chosen paperless documents.In celebration of National Tree Day on 28 July, the breaking of the soil signifies the start of a healthy planting season in Tasmania and allows every Australian guest to help make a positive environmental impact in their own country when choosing to receive their Insight Vacations and Luxury Gold travel documents electronically.Alex O’Connor, Managing Director of Insight Vacations said: “The Earth needs a healthy productive landscape to help our nature’s ecosystem thrive and we’re working with our partners on the ground to help enhance the environment’s biodiversity. With over half of our guests choosing paperless documentation we know our travellers share our passion for sustaining the planet, and so we’re very excited to have officially broken ground in Tasmania, planting the first trees for our guests in our own backyard.”Since the launch of the partnership with One Tree Planted just one year ago, Insight Vacations guests have assisted in reforesting 20 hectares of trees in devastated land throughout Northern California and Vietnam. From 2019, Australian guests will help make travel matter in reforesting their own backyard in Tasmania.As part of TTC family of brands, Insight Cares and Luxury Gold Cares are founding members of the TreadRight Foundation and aligned with TreadRight’s three key pillars as they share a collective desire to conserve and protect the planet, wildlife and people of the local communities visited through their immersive journeys.*Choosing paper documents or paperless docs is at the discretion of the traveller and Insight Vacations will continue to provide both options.center_img Go back to the e-newsletterlast_img read more

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2019-08-11

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Passengers across Europe look set to benefit now t

first_imgPassengers across Europe look set to benefit now that officials have given the nod to in-flight mobile phone calls.The European Commission has approved the plans to allow customers to use their phones to chat on aeroplanes following last month’s decision by Ofcom to agree to the proposals.It will be up to individual airlines to decide whether their passengers will be able to use their mobiles onboard and some are expected to restrict customers to text messages only. So far, carriers bmi, Ryanair and Portugese airline TAP have said that they will implement the new policy, while trials have already been carried out on some Emirates and Air France flights.”One regulatory decision for all European airspace was required for this new service to come into being,” said EU Telecoms Commissioner Viviane Reding. She added that mobile phone companies must make sure they do not overcharge passengers who opt to use their mobiles while in the air.ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map RelatedRyanair launches in-flight mobile phone serviceRyanair launches in-flight mobile phone service‘In-flight films? We’d rather have WiFi’Travellers want to stay in touch with life back home as they fly, reveals Skyscanner.Flight passengers could soon be using mobile boarding passesFlight passengers could soon be using mobile boarding passeslast_img read more

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2019-08-10

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Related Air Southwest introduces Oyster initiative

first_img RelatedAir Southwest introduces Oyster initiativeAir Southwest introduces Oyster initiativeLondon City’s most punctual airport is CityJetCityJet has been revealed as the most punctual airline operating from London City Airport during the first six months.Figures name bmi Regional UK’s most punctual scheduled airlineFigures name bmi Regional UK’s most punctual scheduled airline Air Southwest has been named Gatwick’s most punctual UK airline after it was revealed that 86 percent of its flights ran to schedule from the airport last year.The regional cheap flights carrier was also revealed as the second most punctual of all UK, European and worldwide airlines using Britain’s second-busiest airport.Peter Davies, Air Southwest’s managing director, said the airline is consistently working to ensure its flights are “as convenient and efficient as possible”.”Time is money for business travellers and the delivery of punctual and reliable airlinks is fundamental to the services we offer so we’re naturally delighted to receive confirmation that the punctuality of our Gatwick services beats those of all other UK airlines,” he said.The airline currently operates a four-times daily flight to Plymouth and Newquay from London Gatwick.Air Southwest will launch new flights to Guernsey from Plymouth on April 8th.The new service will operate every Monday, Wednesday, Friday and Sunday. ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Maplast_img read more

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2019-08-10

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ReturnOne wayMulticityFromAdd nearby airports ToA

first_imgReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map RelatedIs your pasty really Cornish? Five protected foodstuffs revealed by SkyscannerIs your pasty really Cornish? Five protected foodstuffs revealed by Skyscanner10 flights for £100 or lessSomething for the weekend? 10 bargain flights for under £100 to the very best places to visit this weekend, or book for later.10 of the best European city breaks for Easter weekendIf you’re wondering where to go for that long Easter weekend, how about four days in Paris, Copenhagen, or Berlin? Here are the best destinations to fly away for this Bank Holiday weekend, from Good Friday (April 14th) to Easter Monday (April 17th). Something for the weekend? Cracking Easter break, spring holiday in the sun or Jubilee getaway? Whenever, wherever you’re going next, get inspired for your next trip with our suggestions, all with flights under £50 return. Go on, treat yourself.center_img 1. Proper pasties in Cornwall, UK!David Cameron loves them, but hasn’t had one for two years. When was the last time you enjoyed that classic British snack, the Cornish pasty? With the government slapping VAT on takeaway hot pies and pasties, head to the home of the pasty, Cornwall, to taste the real thing. Indulge in the highest class combo of beef, onion, turnip and pastry in the land at the revered Ann’s Pasties on Cornwall’s scenic Lizard peninsula. Make your pilgrimage to pasty land with flights to Newquay from £40.2. Easter in Pisa, ItalyEaster is not just about chocolate. The Italians celebrate the occasion in customary fashion with a little indulgence in la cucina, so join them in style with a foodie weekend in the cultured culinary city of Pisa. Stroll along the Arno River and watch the spring light turn gold as it hits the saffron and terracotta coloured buildings lining the city’s narrow streets. Then get stuck into some grub. Wash down your cee alla pisana (stewed newborn eels!) with a bottle of local Chianti and life will be pretty sweet. Book your ticket to gastronomic nirvana with flights to Pisa from £22.3. Spring sunshine in Almeria, SpainWith the weather back to normal after our recent heatwave, get back to sunbathing with a spring getaway to the Med where it’s hot, hot, hot. Almería in Andalucía boasts amazing beaches, such as Genoveses, a long sweep of sand backed by cacti and mountains. This is the sunniest part of a sunny country and in April temperatures hover around an exceedingly pleasant 20 degrees C. Top up your tan with flights to Almeria from £40.4. Euro 2012 in Poland and UkraineIf you are planning on taking in some footie action at Euro 2012, make sure you book your flights soon. But with accommodation costs hiked in cities hosting matches, consider flying to, and staying elsewhere. For example, fans of Ireland, whose opening match is against Croatia in Poznan on 10 June, are staying as far afield as Berlin, and commuting to the Polish city by train. Use Skyscanner to find the best flight option for you – and save money! Find flights to Poznan in June from only £30.5. Jubilee weekend away in… anywhere but the UK!If you’d rather flee the country than celebrate our Liz’s big birthday bash (banish thee to the Tower!), make the most of the long Bank Holiday weekend and find your great escape on Skyscanner. Just enter the dates on which you want to travel, say 1-5 June, search for ‘Everywhere’ and pick from a wide choice of cheap flights. How about a cool city break in Scandinavia? Take a trip to the land of the midnight sun with flights to Oslo, Norway from only £34, or see stunning, stately Stockholm, Sweden, from £49?last_img read more

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2019-08-10

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Fancy taking a spin along one of the worlds most

first_imgFancy taking a spin along one of the world’s most famous roads? Want to see the sights from behind the wheel of a shiny new holiday hire car?Whether you’re a full-on petrol-head, or you just prefer to save your energies for other pursuits – like shopping and dancing ‘til dawn – feel the freedom of the open road the next time you jet off. Here are 10 of the most iconic highways and byways from around the world for you to explore:1. Lombard Street, San Francisco, USAEnjoy every twist and turn on Lombard Street in San Francisco, the world’s most crooked lane. Stretching just one block between Hyde and Leavenworth streets, this small section of road contains eight hair pin bends down a pretty steep hill. Perhaps you better leave a drive out along here until after lunch? 3. Orchard Road, SingaporeLong gone are the fruit orchards that this famous neon street was named after; nowadays Orchard Road is Singapore’s premiere shopping destination. Beside designer boutiques and big brands, here’s where you’ll find high-end hotels and haute-cuisine. If shopping’s not your bag, pop in to the Istana, the official residence of the President of Singapore, on this glitzy thoroughfare. 7. Champs-Elysées, Paris, FranceThis wide avenue, with its neatly trimmed trees, luxury shops and cute curb-side cafés, is the place to go for a taste of Parisian chic. One immediately recognisable attraction along the Champs-Élysées is the Arc de Triomphe war memorial, dominating the skyline at the western end of the road. It’s a great ride by car, but if you prefer two wheels to four then visit during the last stage of the Tour de France when riders usually make six to eight lengths of this famous lane. Read more: 10 best things to do in Paris – a local’s guide 8. Route 66, Illinois, Missouri, New Mexico and Arizona, USAAmerica’s Main Street, also affectionately nicknamed Mother Road, Route 66 was actually removed from the United States Highway System in 1985 when it was replaced by the Interstate System. Nevertheless, the sections that remain in Illinois, Missouri, New Mexico and Arizona now form ‘Historic Route 66’ and still stand as a shrine to all things Americana. Make a stop at Lou Mitchell’s in Chicago for some cracking omelettes before you hit the road, or stop by Shea’s Gas Station Museum in Springfield, Illinois, to see a mass of road related memorabilia. 5. Abbey Road, London, UKCome together, and take a drive down Abbey Road in north London, home to the legendary Abbey Road Studios where the Beatles recorded their 11th album, titled ‘Abbey Road’. The famous photograph of the band on the zebra crossing was taken on the street outside of the studios. Join the fans who flock here all-year-round and recreate the famous pose. 10. Guoliang Tunnel Road, ChinaYou can’t go over it, you can’t go under it so you’ve got to go through it; this was clearly the logic of the 13 villagers from the remote village of Guoliang who pioneered the construction of this famous Tunnel Road in China’s Henan Province. Carved out of the Taihang Mountains, squeeze along this narrow 12ft wide pass, through rock, hugging the cliff edge for a pretty nail-biting ride. Ready for your next road trip? Check out Skyscanner’s car hire search to make sure you get the best bargain on your holiday rental.ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Mapcenter_img 6. Trollstigen, NorwayYou might be forgiven for thinking you’ve landed in Middle Earth when you take off along Trollstigen, which translates as Trolls’ Path. This mountain trail snakes through 11 sharp bends and down a steep incline in Møre og Romsdal county, Norway. Stretch your legs and take in the 1,050ft Stigfossen waterfalls from Trollstigen viewing platform. Related19 incredible road trips in Europe to add to your bucket listFrom Italy to Norway, Europe has many incredible road trips to explore.10 epic road trip adventures: in picturesGet inspired for your next road trip with our pick of the world’s most totally epic driving routes, from pretty Bavaria to icy Alaska.Road trip USA: the ultimate west coast, Burning Man and beyondPlanning a good ol’ road trip in the US? Classics like Route 66 or California’s Pacific Coast Highway are not the only way to roll. Let us broaden your horizons with a more off-beat but assuredly epic Burning Man road trip. 2. Great Ocean Road, Victoria, AustraliaNot only is this 150-mile stretch of tarmac one of the most famous tourist routes in the world, it’s also the world’s largest war memorial, built by soldiers returning from World War I. Running between Torquay and Warrnambool in south-eastern Australia, jump in a 4-wheeler and get exploring the natural beauty of this rugged coastline.See more: Australia – in pictures 4. Las Vegas Boulevard South, Nevada, USARoll up and enjoy the show, as you cruise along one of the most iconic boulevards in the world, the infamous Vegas strip. From street magicians to the spectacular fountain shows, like the one outside the Bellagio, watch the madness unfold. You won’t even need to leave your ride to grab a burger, a soda refill or even a marriage, everything is drive-thru, from off- licences to wedding chapels. 9. The Stelvio Pass, ItalyOnce hailed by BBC’s Top Gear gurus as the pinnacle of motoring perfection, the Stelvio Pass runs through the mountains in northern Italy in the Eastern Alps. Hit this 15-mile stretch through snow covered peaks for stunning views, although maybe not one for those without a head for heights. last_img read more

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2019-08-10

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