No related posts. https://ticotimes.net/wp-content/uploads/slideshow-gallery/04newsdining-area-a.jpg Exceptional value for this 4-bedroom, 4-bathroom home. Each bedroom has its own walk-in closet and full bathroom! Excellant quality ceramic/porcelain floor tile through-out. There is a 290 SF sunroom overlooking the property. There is also a backup water tank to make your living very comfortable and free of stress. This beautiful home was well planned! The main house sits on the upper part of the 1 acre property overlooking 3 natural rivers, and lush tropical gardens; with many walking paths. Can you say INCOME PRODUCING PROPERTY? AND Self Sustainability? That’s right, turnkey trout operation. You have several options with this property, you can have restaurant sales or if you chose, open to the public for trout fishing, restaurant and or public barbecuing. Many options to choose from, whichever you desire can be done! The 3 rivers supply just the right amount of water/oxygen for 4 trout ponds. Owners have created a good business of selling trout to many of local restaurants. There is also room to expand, see below! Sustain yourself and a family of 4 on a 1-acre tropical mini-farm. On this 1-acre property, there is plenty of room to grow your vegetables, to have a Jersey cow for milk, cream, butter and cheese; goats can also keep you in milk when your Jersey is not lactating, a few chickens. Not only do these animals keep you stocked in healthy fresh dairy products, but will also keep your lawn, flower and vegetable gardens fertilized. Waste not, want not!Also, this home has very fine wood cabinetry throughout the home. Jacuzzi tub in the master bedroom. 3 split-air conditioners, 2 ceramic heaters, and historical fireplaces for those cozy, warm romantic evenings or days! Several of the materials or items were brought in from USA.Come and see this home there are so many wonderful features, not enough space on this listing page for all the other nice photos, so ask to be emailed more photos. Call today to see this wonderful home.Start living your dream and immediately produce income and produce a Self-Sustainable lifestyle!USD $650,000.00 REDUCED to $350,000 https://ticotimes.net/wp-content/uploads/slideshow-gallery/09newsbath-3-master-a.jpg https://ticotimes.net/wp-content/uploads/slideshow-gallery/02newsdscn1092.jpg https://ticotimes.net/wp-content/uploads/slideshow-gallery/06newsdscn6659.jpg https://ticotimes.net/wp-content/uploads/slideshow-gallery/07newsstairway-to-master.jpg Previous Image Next Image 3 fireplaces4 trout ponds (generate immediate income!)Custom Gourmet Kitchen with one-piece granite counter-top, Professional Grade Appliances & a 5 gas burner range with 2 electric ovens, above sits an large hood exhaust fan (as your cooking your fresh trout for dinner)Master SuiteMaster Bathroom includes a relaxing Jacuzzi Tub and separate Walk-in ShowerHigh Quality Porcelain/Ceramic FlooringLiving room with wood burning fireplace100% cedar wood cabinetsRecessed lighting / Track lightingFenced and Gated (entire property)3 rivers (2 go into one)Cathedral open beam ceilings with detailed craftsmanshipLarge enclosed sunroom overlooking your Garden, pondsPotting shed or Butterfly farm!Tool shedWorkshop area adjacent to house or artist areaHigh-Speed Internet ServiceSatellite TV800 gallon water back up systemElectronic entry gate with video phoneSale Price includes the corporationFurniture is negotiable$2,500 laser alarm system35 minute drive to the SJO, Juan Santamaría International Airport! https://ticotimes.net/wp-content/uploads/slideshow-gallery/dscn9494.jpg info heading info content https://ticotimes.net/wp-content/uploads/slideshow-gallery/05newskitchen-b.jpg See this and other listings in the new Tico Times Real Estate section here. Facebook Comments Price: $650,000 REDUCED to $350,000Email: email@example.comBedrooms: 4Bathrooms: 4Land: 4,052 M2Construction Area: 316 M2PROPERTY FEATURES: https://ticotimes.net/wp-content/uploads/slideshow-gallery/03newskitchen-a.jpg https://ticotimes.net/wp-content/uploads/slideshow-gallery/08newssunroom-bz.jpg
Doña Flor Arguedas, 71, has been making tamales since she was 22. That was the year she got married. Her new mother-in-law told her, “Get ready. We are making tamales for Christmas.”While this is a holiday tradition in most Costa Rican families, it so happened that Arguedas had never made a tamal in her life. She had no choice but to dive into the complicated process with her suegra. Eventually she learned, adapting her mother-in-law’s recipe to her own taste over the years, because one thing’s for sure: No two Costa Rican matriarchs make their tamales exactly the same way.One year, Ana de Madrigal, doña Flor’s neighbor, contacted her to help out with her own tamales, when her mother-in-law asked her to prepare the dish. For roughly 45 years, Ana and Flor have been getting together to make tamales at the beginning of December. Sisters, mothers and, of course, mothers-in-law have joined in at various tamaleadas, the name for the extensive preparation process that culminates in a banana-leaf-wrapped packet of deliciousness and a good cafecito.Doña Flor doesn’t like the tamales too big or too small. The dough expands when cooked. Here’s the (rough) recipe for the tamaleada in this video: She buys enough corn to make 4 kilos of flour, processed at a local mill. About 1 kilo of special pork lard mixed with the flour, and she adds her (sorry, top-secret) mix of spices. Her fillings, all cooked separately before being placed into the tamales, are 8 green peppers, 4 kilos of potatoes, carrots, olives, prunes, chickpeas, rice cooked with achiote (which gives it its deep yellow color), peas, chicken and pork. Once the tamales are assembled and tied (two, called a piña, are tied together with the loose ends of the wrapping facing in so nothing escapes during cooking), they are cooked for 45 minutes in boiling water, preferably over firewood. Tamales can be stored in the freezer for months, defrosted, heated in boiling water in the stove or microwave. There’s nothing better than a tamal out of season.Doña Ana took home 110 tamales from the tamaleada this year. She will be inviting family and friends over during the holidays to share them. There’s always a friendly competition and analysis among Ticos regarding whose tamales are the best and the ideal size, ingredients, taste of the dough. The proper verdict when sampling tamales is this: “These are pretty good, but my mom’s are the best.”Originally published on Dec. 16, 2015. Facebook Comments Related posts:WATCH: Making tamales in Costa Rica PHOTOS: San José Children’s Hospital lights up its giant Christmas tree Costa Rica’s one-stop Nativity shop PHOTOS: Christmas 2015
The vital role family plays in society Top Stories Judge Benedict Kanyib urged the two sides to reconcile outside of court.“The moment you involve (judges) in the processes of this, we have to close our eyes to the reality and look just at the law,” Kanyib said. He later added: “I am certain common grounds will be found.”Yet, as he spoke, shouts from protesters and counter-protesters of the doctors outside the court nearly drowned out his soft words.___Jon Gambrell can be reached at http://www.twitter.com/jongambrellap. (Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.) Sponsored Stories New high school in Mesa lets students pick career paths “In the 1960s here, even in the 1970s, the golden days of Nigeria, people came from Togo, the West Africa sub regions to receive treatment,” said Dr. Olusola Adeyelu, a leader among the fired doctors. “That is when the ruling class had a clear philosophy. … (Now), they have no clear idea about human beings.”From the villages of Nigeria’s arid Muslim north to the steamy swamps of its oil-rich southern delta, proper medical care remains an out-of-reach luxury for many people in this nation of more than 160 million people. Clinics in rural regions often lack lifesaving anti-malaria medicines, while others cannot their afford rudimentary care.While state hospitals also charge for care, they provide much cheaper service that others hospitals in the country, making them accessible to many. In 2010 alone, Lagos state hospitals and health centers treated more than 3 million outpatient cases and admitted more than 21,000 patients, according to an annual state report. That does not include those who sought help in federal and military hospitals in the state, nor those who went to private clinics.Meanwhile, the wealthy fly to Europe, the Middle East and Asia for medical care. Late President Umaru Yar’Adua, who suffered chronic illnesses while in office, left the country for medical care in Saudi Arabia before his 2010 death. Senate President David Mark recently returned from seeking care in Israel. Doctors in several of Nigeria’s states have embarked on strikes in the past, as have other professional guilds about low government salaries in a country where inflation continues to rise and people run generator sets to have electricity in their homes.In Lagos, however, the administration of Gov. Babatunde Raji Fashola took a harder line against striking doctors and fired 788 of them last week.The decision saw Lagos state immediately lose between half or three-quarters of all physicians working in state hospitals and health centers. Some have been replaced with doctors from other states or young physicians doing a mandatory year of national service, though not enough to properly staff the hospitals.On Wednesday, lawyers for the doctors and Lagos state attended a hearing at the National Industrial Court, which handles labor issues in Nigeria. Lagos state Attorney General Ade Ipaye told the court negotiations with the doctors continued and the state would not evict physicians from any state-provided housing they have.However, it remained unclear how a compromise would be reached as both sides haven’t backed down from their demands. Even in court, Ipaye said Lagos state had “not done anything wrong,” while the doctors’ lawyer Bamidele Aturu accused the state of committing “sabotage” against of the rule of law. 0 Comments Share New Year’s resolution: don’t spend another year in a kitchen you don’t like Meghan McCain to release audiobook on conservatism, family Associated PressLAGOS, Nigeria (AP) – The firing of nearly 800 doctors working at hospitals in Nigeria’s most populous state has exposed the failings of the nation’s medical system, as lawyers said Wednesday negotiations over the physicians’ fate continued.The sick and injured continue to line up at state hospitals in the nation’s largest city of Lagos, but there aren’t enough doctors to care for them. Many of the 17.5 million Lagos residents earn less than $2 a day, so the state hospitals represent a crucial safety net for the poor in a nation where the political and business elite routinely fly out of the country for care. Think Tank analyzes the second round of Democratic debates More Valley freeways to be closed this weekend for improvements Top holiday drink recipes
Former Arizona Rep. Don Shooter shows health improvement The consortium also will dredge Shatt al-Arab, which is currently unable to welcome deep-water vessels because of years of neglect, to nine meters (yards) to make it a “deep water” port, the statement added. The 93-year-old port is one of four in Basra on the Persian Gulf for commercial goods.The Shatt al-Arab waterway _ known in Iran as Arvand River _ is formed by the confluence of the Tigris and Euphrates river, meandering south between Iran and Iraq before it spills into the northern Persian Gulf. Basra, where the signing ceremony took place, is located some 550 kilometers (340 miles) southeast of Baghdad.“Modernizing Maqal Port is one step in Iraq’s greater vision to improve and expand our country’s shipping and port capabilities,” the Iraqi minister of transportation, Hadi al-Amiri, said in a statement. He added that NAWAH’s commitment to Iraq’s long-term economic growth “sends a strong message to other American and international investors that Iraq is truly ripe for investment.”One of the two companies teaming up with NAWAH is the New Jersey-based Triton Container International Ltd., which is the world’s largest owner-lessor of marine cargo containers with operations in 15 countries and more than 200 depot locations worldwide. The other is the Chicago-based Marmon Crane Services, an international owner, operator and lessor of crane equipment that operates in 14 countries around the world. Mary Coyle ice cream to reopen in central Phoenix Comments Share Sponsored Stories Bottoms up! Enjoy a cold one for International Beer Day 5 greatest Kentucky Derby finishes Clean energy: Why it matters for Arizona Associated PressBAGHDAD (AP) – Iraq on Tuesday signed a $14 million deal with a U.S. consortium to modernize a major port in the country’s southern province of Basra in a move aimed at developing key infrastructure neglected during years of war and sanctions.Under the 10-year agreement with a consortium led by North America Western Asia Holdings, the companies will invest in a new heavy-lift crane as well as container handling capabilities and build a modern container yard in one of the 14 berths in the Maqal Port on Shatt al-Arab waterway, the company said in a statement. 5 treatments for adult scoliosis NAWAH, which is based in Washington DC and is chaired by Paul Brinkley, a former U.S. Defense Department official who sought to attract companies to Iraq and Afghanistan.Iraq’s oil-reliant economy is expected to see significant growth in the coming year as it has awarded 15 oil and gas deals to international energy companies since 2008, the first major investments in the country’s energy industry in more than three decades.The original goal was to boost daily production from about 3 million barrels now to 12 million barrels by 2017. That may be revised downward to fewer than 10 million barrels, however, because of infrastructure bottlenecks and a possible falloff in demand on international markets.(Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.) Construction begins on Chandler hospital expansion project Top Stories
MANILA, Philippines (AP) – President Benigno Aquino III on Thursday rejected the Philippine energy secretary’s offer to resign for failing to meet his self-imposed target to restore power in all typhoon-ravaged towns by Christmas Eve, an official said.Aquino instead praised Jericho Petilla for “excellent performance” for re-energizing 317 of 320 towns that lost power after Typhoon Haiyan hit last month, presidential spokesman Edwin Lacierda said. New Valley school lets students pick career-path academies Ex-FBI agent details raid on Phoenix body donation facility 4 must play golf courses in Arizona How Arizona is preparing the leader of the next generation Patients with chronic pain give advice Comments Share Sponsored Stories It was originally estimated it would take up to six months to restore power but Petilla managed to do most of the work in 40 days, he said.Haiyan’s ferocious wind and storm surges knocked down thousands of transmission towers and electric posts including in worst-hit Tacloban city in Leyte province, where a major geothermal plant was damaged, officials said.Aquino said “he has no intention of losing the services of an honorable public servant,” according to Lacierda.While power has been restored to grids, many houses and businesses could not connect due to damaged wiring and toppled electric posts. As a result, many people spent Christmas in the dark, including in Tacloban, where only a few downtown streets had lights working.The Nov. 8 typhoon killed at least 6,100 people in the central Philippines, displaced at least 4 million others and left its most gruesome mark on Tacloban, a city of 240,000 that will need years to recover.(Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.) Top Stories Milstead says best way to stop wrong-way incidents is driving sober Former Arizona Rep. Don Shooter shows health improvement
In an apparent effort to assert greater control over the military, President Pierre Nkurunziza fired his defense minister, Pontien Gaciyubenge, who earlier this month had said the army would play a neutral role in the street protests and respect the Constitution, comments seen as critical of the president. Nkurunziza also replaced International Affairs Minister Laurent Kavakure and Trade Minister Marie Nizigiyimana, said presidential spokesman Gervais Abayeho.The protests began more than three weeks ago after the ruling party named Nkurunziza as its candidate in June elections. Police tried to crush the demonstrations at the cost of at least 15 lives.Burundi’s situation grew even more volatile last week when a general announced a coup, which collapsed within two days when loyalist troops overwhelmed the rebel faction. Since Nkurunziza returned to the presidential palace over the weekend, the demonstrations have continued and the army appears to have inherited the role of putting down the street protests.In Bujumbura’s Musaga neighborhood, armed soldiers on Monday faced off with hundreds of angry protesters who called for Nkurunziza to reverse his decision to seek another term in office, which many say is unconstitutional. Milstead says best way to stop wrong-way incidents is driving sober 4 sleep positions for men and what they mean New Valley school lets students pick career-path academies Ex-FBI agent details raid on Phoenix body donation facility Comments Share Men’s health affects baby’s health too An Associated Press reporter in Musaga, where protesters put up barricades of burning tires, saw two soldiers fire into a crowd of protesters, who had repeatedly shouted, “Shoot us.” No casualties were seen.“The military is shooting at us, you have seen for yourselves,” said protester Alfred Nsengumukiza. “They came here pushing and shoving us and also doing the same to journalists, then they opened fire.”The soldiers who fired the shots were then ordered to leave the front line, sparking a rift between troops who opposed shooting at protesters and those who supported such action. Amid the standoff, the group opposed to firing at protesters cocked their guns and threatened to shoot their colleagues if they fired into the crowd.No police were seen in the volatile areas of Musaga and Cibitoke, a sign that the army, which previously had acted as a buffer between angry protesters and the police, has now taken over operations against demonstrators. The soldiers are armed with machine guns and rocket-propelled grenades.Many of the demonstrators in Citiboke said their protests should not be linked to the coup calling the coup plotters “opportunists.” Top Stories “We just want Nkurunziza to respect the constitution and leave office. In the years he has been in power he has done nothing for us,” said Bertland Nkurunziza.Seventeen security officials, including five generals, accused in the attempted coup were charged Saturday with attempting to destabilize public institutions, said lawyers of some of the suspects. Maj. Gen. Godefroid Niyombare, the former intelligence chief who announced the coup on Wednesday, remains at large.Nkurunziza, who was in Tanzania for a summit to discuss his nation’s troubles when the coup attempt was announced, made his first public appearance in Bujumbura on Sunday.The U.S. government has raised concern over reports of retaliatory attacks in the aftermath of the attempted coup. It has urged Nkurunziza to condemn and stop the alleged use of violence by the police and the ruling party’s youth militias against those who participate in street protests.In Washington, State Department spokesman Jeff Rathke cited cases of retaliatory violence against coup plotters and supporters in Burundi. He said any individuals charged with involvement must be treated according to the law and their rights must be respected. And “peaceful protesters should not be equated with people who participated in an attempted seizure of power.” Former Arizona Rep. Don Shooter shows health improvement BUJUMBURA, Burundi (AP) — Burundi’s army was deployed on Monday for the first time to quell street protests, putting the military into a precarious position amid persistent demonstrations against the president’s bid for a third term.Confronting hundreds of demonstrators, two groups of soldiers almost opened fire on each other as the result of a dispute on whether to use lethal force against the protesters, sharply illustrating the military’s difficult position. At least three people were wounded in an overnight attack in the outskirts of the capital which witnesses blamed on the ruling party’s youth wing.Jafeh Hakizimana, said he was hacked with machetes by a group from the ruling party’s youth wing, known as the, Imbonerakure, who came to his village looking for opposition supporters. Hakizimana said his brother was among the attackers.“He did not do anything to help me and went on to beat others,” Hakizimana said.Fearing political violence, more than 105,000 Burundians have fled to neighboring countries recently, according to the U.N.______Associated Press reporters Gerard Nzohabona contributed to this report, Andrew Njuguna and Jerome Delay contributed to this report.Copyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Arizona families, Arizona farms: providing the local community with responsibly produced dairy Sponsored Stories
WASHINGTON (AP) — In a forthcoming report triggered by an Associated Press investigation, the top watchdog at the Social Security Administration found the agency paid $20.2 million in benefits to more than 130 suspected Nazi war criminals, SS guards, and others who may have participated in the Third Reich’s atrocities during World War II.The report, scheduled for public release this week and obtained by the AP, used computer-processed data and other internal agency records to develop a comprehensive picture of the total number of Nazi suspects who received benefits and the dollar amounts paid out. The Social Security Administration last year refused AP’s request for those figures. The payments are far greater than previously estimated and occurred between February 1962 and January 2015, when a new law called the No Social Security for Nazis Act kicked in and ended retirement payments for four beneficiaries. The report does not include the names of any Nazi suspects who received benefits.The large amount of the benefits and their duration illustrate how unaware the American public was of the influx of Nazi persecutors into the U.S., with estimates ranging as high as 10,000. Many lied about their Nazi pasts to get into the U.S. and even became American citizens. They got jobs and said little about what they did during the war.Yet the U.S. was slow to react. It wasn’t until 1979 that a special Nazi-hunting unit, the Office of Special Investigations, was created within the Justice Department.Rep. Carolyn Maloney, D-N.Y., requested that the Social Security Administration’s inspector general look into the scope of the payments following AP’s investigation, which was published in October 2014. On Saturday, she said the IG’s report showed that 133 alleged and confirmed Nazis actively worked to conceal their true identities from the U.S. government and still received Social Security payments. Sponsored Stories New Valley school lets students pick career-path academies Comments Share “We must continue working to remember the tragedy of the Holocaust and hold those responsible accountable,” Maloney said in a statement. “One way to do that is by providing as much information to the public as possible. This report hopefully provides some clarity.”AP found that the Justice Department used a legal loophole to persuade Nazi suspects to leave the U.S. in exchange for Social Security benefits. If they agreed to go voluntarily, or simply fled the country before being deported, they could keep their benefits. The Justice Department denied using Social Security payments as a way to expel former Nazis.By March 1999, 28 suspected Nazi criminals had collected $1.5 million in Social Security payments after their removal from the U.S. Since then, AP estimated the amount paid out had grown substantially. That estimate is based on the number of suspects who qualified and the three decades that have passed since the first former Nazis, Arthur Rudolph and John Avdzej, signed agreements that required them to leave the country but ensured their benefits would continue.The IG’s report said $5.6 million was paid to 38 former Nazis before they were deported. Ninety five Nazi suspects who were not deported but were alleged or found to have participated in the Nazi persecution received $14.5 million in benefits, according to the report. Top Stories Ex-FBI agent details raid on Phoenix body donation facility The IG criticized the Social Security Administration for improperly paying four beneficiaries $15,658 because it did not suspend the benefits in time.The report also said the Social Security Administration “properly stopped payment” to the four beneficiaries when the new law banning benefits to Nazi suspects went into effect. The agency did, however, continue payments to one suspect because he was not subject to the law.The Social Security Administration did not immediately respond to a request for comment.But in informal comments to the IG, the agency and the Justice Department said the pool of 133 suspects included individuals who were not deported and may not have had any role with the Nazis. The Justice Department requested the report only include the names of 81 people it had provided to the IG and who had conclusively determined to be involved in the Nazi persecution.___Follow Rising on Twitter at http://twitter.com/davidrising and Herschaft at http://twitter.com/HerschaftAP and Lardner at http://twitter.com/rplardnerCopyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Milstead says best way to stop wrong-way incidents is driving sober Natural spring cleaning tips and tricks for your home Former Arizona Rep. Don Shooter shows health improvement Parents, stop beating yourself up 4 sleep positions for men and what they mean
Hotels in the Nelson and Marlborough regions are adjusting to the decreasing demand of long-haul travellers, as the industry in New Zealand has recovered slower than expected.Speaking at the New Zealand Hotel Council’s (NZHC) Annual Operating Survey presentation at Blenheim last Thursday, Executive Officer Rachael Shadbolt said other factors of the changes in the industry included increasing numbers of Asian tourists, last-minute bookings and grab fordeals.NZHC’s survey confirmed its seven members in the Nelson and Marlborough regions had the third highest average room rate in the country in 2010, at $135.70 – an increase from $130.40 the previous year.The hotels also employed 170 staff members and generated a capital value in excess of $41 million.The survey also emphasised the importance of Australian visitors, the rise of travellers from Asia, especially South Korea and China, while the slowing routes from the United Kingdom and the United States.Ms Shadbolt said the Christchurch earthquakes meant visitor numbers would drop in the short term.“We are working closely with our members and the wider tourism sector to help wherever we can,” she said.“Members are also in close contact with each other, offering assistance, helping to find visitors alternative accommodation at short notice and offering temporary employment to staff.” Source = e-Travel Blackboard: V.V
Managing director of BTTB Marketing, Nigel Wardropper, with International SOS representatives, Simon Francis and Marcus McRitchie. Source = International SOS International SOS, the world’s leading international healthcare, medical and security assistance company, has been named winner of the Supplier Award – Travel Management Services at the 2012 BTTB Travel Management Awards. “International SOS was heavily nominated by travel managers and acknowledged for its comprehensive offering. There was a strong indication that aligning with International SOS was a key element in many organisations’ risk strategies, which in turn, were becoming a more vital part of their role as travel managers,” said editor of Business Travel Monthly and chair of the judging panel, Allan Leibowitz. The nominations were submitted by International SOS customers and this is the only buyer-judged award of its type in the region. After winning the BTTB award for Best Traveller Safety Provider in 2007, 2008, 2009 and now the Supplier Award in 2012, International SOS has entered the BTTB Hall of Fame. International SOS Regional Managing Director, Australasia, Michael Gardner, said he was thrilled with the industry acknowledgement and said it was testament to the dedicated staff at International SOS. “We strategically partner with our clients to enable them to grow their business and expand their operations off shore. With effective risk mitigation strategies, travel managers are assured that they are well prepared for any situation,” Mr Gardner said. “This is essential, as with new WHS laws introduced this year Australian employers and businesses operating within Australian shores now have increased duty of care obligations. “Organisations must now demonstrate they effectively manage risks to any travelling employees,” Mr Garner said.
“We are delighted that our brand valuation has increased and that Emirates has retained its top position, because this reflects our success in engaging our customers, and remaining relevant to them in a fast changing and highly competitive global environment.” “A strong brand is an important business differentiator and that is why Emirates has continually invested in our brand over the years,” Emirates’ divisional senior vice president corporate communications, marketing and brand, Boutros Boutros said. The brand is valued at USD $5.48 billion. Source = ETB News: T.N. Emirates’ brand is also one of the most engaged on social media. Emirates Airlines’ brand has been singled out as the world’s most valuable. The Brand Global Finance 500 Report has identified Emirates’ brand as the most valuable in the world for the third year in a row and the 234th most valuable brand overall in the world.
Only hours after authorities announced more military forces would join the search for missing Malaysia Airlines flight MH370, the search was put on hold yesterday due to a tropical cyclone over the Indian Ocean. Authorities believe that sonar signals detected in the Indian Ocean search a few weeks ago may have come from the aircraft’s black-box recorder, although any conclusive evidence of the plane’s location is yet to be found, in what is becoming the most expensive search in aviation history. Furthermore, the setback of cyclone Jack came as a USD $4 million US submarine drone, Bluefin-21, said the be the search mission’s most promising aid, was due to complete its search tomorrow, although it had not come across any sign of wreckage so far. The daily search raids by sea and air have continued for a week since Australian authorities said they would stop that part of the search, The Guardian reported. “It has been determined that the current weather conditions are resulting in heavy seas and poor visibility, and would make any air search activities ineffective and potentially hazardous,” a representative for the Joint Agency Co-ordination Centre said. Source = ETB News: Lana Bogunovich
Cairns-based Coral Princess Cruises announced today it will rebrand as Coral Expeditions, effective 22 June. This comes after 32 years of operation under the former name, during which time the company has grown and evolved.The new name stays true to the company’s origins as a small ship pioneer on the Great Barrier Reef while updating the company image to reflect its evolution to adventure cruises to the more exotic regions of Australia and the South Pacific.“Coral Expeditions recognises that we are now best known for our coastal expedition itineraries taking small groups of 44 to 72 passengers to remote regions and cultures in Asia-Pacific,” said Group General Manager Mark Fifield.Captain Tony Briggs launched the company in 1984 with one converted Fairmile class submarine chaser and it now has three purpose-built ships and several hundred staff. It offers 3, 4 and 7 night award-winning Great Barrier Reef cruises and longer expeditions to the Kimberley, Cape York and Arnhem Land, Papua New Guinea, New Zealand and the South Pacific. In November 2015, Coral Expeditions will launch its inaugural season of a unique series of expedition cruises along the coastline of Tasmania.Each ship will be rechristened and refurbished in line with the new brand over the next year. Coral Princess will become Coral Expeditions I, Coral Princess II will become Coral Expeditions II and the flagship Oceanic Discoverer will be renamed Coral Discoverer.The new logo has been designed by a Cairns-based artist, Brian Robinson. Brian grew up in the idyllic tropical surroundings of the Torres Strait Islands, located between the tip of Cape York Peninsula and Papua New Guinea. His work reflects his knowledge and appreciation of the culture of his people, the myths and legends of the Torres Strait, and the traditional motifs and natural carving ability of the Islanders.“We believe our new logo accurately depicts the spirit of discovery and exploration that embodies our company,” said Mr Fifield. “Our hallmarks of adventure, intimate comfort and quality dining delivered in a professional yet relaxed environment by Australian and New Zealand staff will remain at the heart of the Coral Expeditions experience.” Coral ExpeditionsSource = Coral Expeditions
Source = TravelManagers Queensland Personal Travel Managers celebrate Christmas in style Queensland PTM’s know how to have fun! From left Kerry Cleasby, Karen Dowling (BPM), Lillie Smith and Amber BoseleyQueensland Personal Travel Managers celebrate Christmas in styleTravelManagers rounded off its final state meeting for 2016 with their Queensland personal travel managers (PTMs) in Brisbane. Collectively over the recent six state meetings across Australia, there was an opportunity for more than 256 PTMs to celebrate a successful year amid some Christmas festivities.“An overriding objective of the national partnership office is to create a sense of family and strong community spirit amongst our personal travel managers. These meetings are about keeping our PTMs updated but it is about celebrating a fantastic year and the great work our personal travel managers do,” says Michael Gazal, TravelManagers’ Executive General Manager.Karen Dowling, Business Partnership Manager for Queensland says the national partnership office support and physical presence regionally is invaluable.PTMs Karen and Noree“The support from our national partnership office to attend all the regional state based meetings is invaluable and we really loved having their attendance at our local Christmas party. It’s fun and the focus is about celebrating collectively our successes from the year in a relaxing way with more time for social interaction.”Gazal is proud that the TravelManagers’ state meetings are a winning formula with personal travel managers.“We always listen to feedback from our PTMs and we may tweak the format and content of our state meetings but we know our inclusive strategy, strong business focused agenda, large contingent from our national partnership office and hosting by our locally based business partnership managers really works,” he says.The new format of the latest round of state meetings proved to be a winning formula for Simon Tinkler representative for South Brisbane.“I found the new format of small group sessions really fantastic and the round table fireside chats with the national partnership office team worked really well.”PTM Denise Dean representative for Hendra found the business sessions hugely valuable.“I found the morning’s business sessions to be a great balance of information and news, learning and sharing of ideas. The highlight for me was the presentation from Finance about how we can improve income with each booking transaction by adding value to a client’s travel experience. This was enlightening, and really gave me something to think about and act on immediately. The marketing session and focus on planning your strategy to deliver the appropriate product at the right time of year, was also brilliant and really helpful.”As 2016 comes to a close, PTMs along with national partnership office team and suppliers enjoyed some Christmas cheer with a lunch at the iconic Breakfast Creek Hotel in Brisbane.Fireside Chat with Grant, Michael, Suzanne & Pru“Everybody has worked so hard this year and we are thrilled to have the chance to celebrate regionally with our personal travel managers. The great thing is that we work hard but we also know how to have fun!” says Gazal.A number of virtual state meetings were also held via webinar for the personal travel managers who could not attend one of the state meetings in person.“For the personal travel managers who can’t be there, we follow up with webinars so that everyone has the opportunity to be part of the team process and across new developments,” says GazalIn addition to the bi-annual state meetings and annual conference, which for 2017 will be held in the Northern Territory from 7th to 9th September, personal travel managers also are privy to a range of networking and training opportunities throughout the year.“The national partnership office, together with business partnership managers facilitate frequent regional meetings around suburban clusters and regional centres in country areas. Regular supplier and technology training as well as multiple weekly webinars covering a wide range of both general and specialist subjects are ways in which we continually ensure our personal travel managers receive the latest information at a time and place that suits them best,” says Gazal.For more information or to speak to someone confidentially about TravelManagers please contact Suzanne Laister on 1800 019 599.About TravelManagersTravelManagers operates in all Australian States and is a wholly owned subsidiary of House of Travel, Australasia’s largest independent travel company which has a forecast turnover of $1.5 billion for 2015. TravelManagers is a sister company to Hoot Holidays, also owned by House of Travel, and has more than 500 personal travel managers throughout Australia with a dedicated support team at the company’s national partnership office in Sydney. TravelManagers places all customer money in a dedicated and audited Client Trust Account which is separate from the general business accounts, ensuring client funds are only used for client purchases.
Source = STUBA Lessons from a first birthdayTurning 1 or a rebirth?In Dubai, September 2017 I asked Ruchir, now my CEO, if there was anything else to cover.“We’ve been in discussions with getabed UK for the past 18 months and we are thinking about merging.”Thus begun 20 of the most challenging months of my life. The lessons and reflections?Keeping secrets is toughWe knew we had to fix the pricing on roomsXML. We knew that the new contracts would result in dramatic improvements. I knew four months before I could tell my staff, four more before we could tell the industry. We had to wait.Our sales team showed great resilience and patience, knowing that eventually the message would become “You said we were too expensive, time to have another look.”“They” all did, with sales up 50% plus in Q1.Not everyone likes changeMergers include big and small changes. As Ruchir said “it’s still the same person doing the same job at the same desk, it’s just a new logo and email address”. For some, enough to re-evaluate everything and move on.Others saw the spaces left as ones they can grow into and improve the business and themselves. It’s not always the superstars who blow you away.It’s a great opportunity to challenge, everythingIn November 2018 Stuba suggested I become CIO, managing the team from Australia. Our Melbourne office was partially renovated, staff were still working from our second lounge room, big family changes were underway, I was in the UK, Christmas was coming…I said yes. It’s been hard-core. But I’ve thrived.Most satisfying has been the ability to challenge just about everything in the way we do business. So often we do the same things because that’s the way we’ve always done them. Loosening the shackles was liberating.The secrets are simpleWe’ve gotten off to a cracking start, but we are nowhere near where we want to be.You seldom have all the information you want when making decisions. Making decisions and creating momentum is essential. Not a 100% the right decision? Its still better to make and enact one that is 75% correct. Being stuck in an analysis paralysis will prove fatal.Asking the right questions is vital. “How do we make ourselves better” is not the right question. There are 10 questions under it, half of which include answers outside of my control, so why bother.Finding questions where we can influence outcomes has been the pathway to improvement.www.stuba.com learn more about stuba.com here
The landlocked country of Mongolia, located between China and Russia, is one of the last few places on the planet where nomadic life is still a living tradition. The country’s vast and majestic emptiness has an enduring appeal, bringing the traveller into a close communion with nature and its nomadic inhabitants.Source: World Travel Guides
Scam Artist Sting Successful in South Florida in Data, Government, Origination, Secondary Market, Servicing, Technology August 5, 2011 632 Views The South Florida mortgage banking community is immersed in scandal, as a result of four indictments released this week by the “”U.S. Attorney’s Office””:http://www.justice.gov/usao/ in Miami, Florida. The separate filings target 27 individuals who are accused of diverse fraud schemes waged against lenders and homeowners in the region.[IMAGE]Charges including mail fraud, insurance fraud, and even arson don’t do much to resolve the area’s reputation as a hot-bed of fraudulent loan practices. Commenting on the problems, U.S. Attorney Wilfredo Ferrer, stated, “”We keep leading the nation in mortgage fraud, and that is something we are working to stem. The perpetrators of this fraud have infiltrated every level of the mortgage industry.””Ferrer went on to note that the current indictments encompass more than $30 million in questionable mortgage loans, and that, in at least two of the cases, the schemes were highly coordinated and elaborate, with fraud rings using straw buyers and faked applications to purchase properties at elevated prices while raking in large sums from the bank loans.The first filing to be unveiled included business professional, Luis A. Oramas; loan processor, Mariela Hernandez; closing agent, Elayne Gutierrez; and real estate agent, Keskea Hernandez-Frei. Those listed in the indictment allegedly utilized 13 straw borrowers to concoct a $20 million scam.[COLUMN_BREAK]The second item released by the U.S. Attorney’s Office targets a comparable scheme conducted in Palm Beach County; those named in the documents are Ghaith Al Nahar, Michelle Austin-Wilks, and Romy Defay. Their fraudulent activities encompassed an estimated $9.2 million in loan money.A third indictment focuses on criminal behavior surrounding a single holding, and Miami real estate pro, Gerardo Wilhelm, is named as a coconspirator in an arson and insurance scam involving the property in question. Co-defendants are Juan J. Flores and Alejandro Figueredo, who are both accused of conspiracy to commit arson.David Donet, Sr., a Miami attorney, was named in the fourth and final filing, and he is accused misappropriating around $1 million in funds during a real estate closing. Donet appears to have pocketed client money that was intended for refinancing.Twenty-five of the 27 individuals included in the indictments are in custody, and it’s estimated that each could ultimately face up to 20 years in jail. Straw buyers named as defendants are as follows: Ana Taveras, Joaquin Gomez, Manuel Valdes, Yudith Padilla, Ivan Padilla, Martha Fernandez, Maribel Diarth, Carlos Sanchez, Ivett Lorenzo, Guillermo Rivero, Napoleon Cadalzo, Hisamara Esponda, Rafael Bonne, Lucien Laguerre, Jeffrey Gilbert, and Philip Jay Newman.Finishing his statement on the newly unsealed indictments, Ferrer had a warning for people who may have been approached about similar schemes, saying, “”If someone is willing to pay money for the use of your name or your credit information, that should send a clear signal to you that it could be, and most likely is, a fraud.””For five consecutive years, Florida has remained the national leader in mortgage and real estate fraud, with South Florida ranking the highest among areas rife with such activity, according to information from LexisNexis.The region’s Mortgage Fraud Task Force, founded in 2007, has roped in approximately 600 con-artists to date. Agents & Brokers Attorneys & Title Companies Investors Lenders & Servicers Mortgage Fraud Processing Service Providers Top Stories of 2011 2011-08-05 Abby Gregory Share
While noting “”improvement in economic activity and labor market conditions,”” the “”Federal Open Market Committee””:http://www.federalreserve.gov/newsevents/press/monetary/20130918a.htm (FOMC) voted Wednesday to continue its policy of near-zero interest rates and its $85 billion-per-month bond-buying program.[IMAGE]At the same time, the Federal Reserve’s own economic projections suggested the economy might not grow this year as fast as it expected just three months ago.In a statement concluding its two-day monetary policy meeting, the FOMC said it “”decided to await more evidence that progress will be sustained before adjusting the pace of its purchases.””The committee adopted the policy by a 9-1 vote, with only Esther George, president of the Kansas City Fed, dissenting. St. Louis Fed President James Bullard, who had joined with George in her dissents earlier this year, voted in the majority as he had at the July meeting.””The Committee sees the downside risks to the outlook for the economy and the labor market as having diminished, on net, since last fall, but the tightening of financial conditions observed in recent months, if sustained, could slow the pace of improvement in the economy and labor market,”” the FOMC said in its statement. “”The Committee recognizes that inflation persistently below its 2 percent objective could pose risks to economic performance, but it anticipates that inflation will move back toward its objective over the medium term.””The FOMC said its actions ├â┬ó├óÔÇÜ┬¼├àÔÇ£should maintain downward pressure on longer-term interest rates, support mortgage markets, and help to make broader financial conditions more accommodative, which in turn should promote a stronger economic recovery and help to ensure that inflation, over time, is at the rate most consistent with the Committee’s dual mandate [of price stability and maximum sustainable economic growth].├â┬ó├óÔÇÜ┬¼├é┬ØFed Chairman Ben Bernanke had originally said the FOMC would wait until the inflation rate rose to 2 percent and the unemployment rate fell to 6.5 percent before the Fed would begin “”tapering””–that is, gradually tightening its stimulative monetary policy. In recent weeks, though, Bernanke hinted the FOMC might act before its targets were achieved. Bernanke came under criticism from some [COLUMN_BREAK]economists who suggested that by acting before its own criteria were met, the FOMC would damage its credibility.At the same time its statement was released Wednesday, the FOMC also released the economic projections of the members of the Federal Reserve and the Federal Reserve Bank presidents. (The president of the New York Fed is a permanent member of the FOMC along with four of the remaining 11 regional presidents.)The projections were slightly weaker than those released three months ago, with slower growth this year–GDP growing 2.0 percent to 2.3 percent compared with 2.3 percent to 2.6 percent forecast in June–and the higher range of GDP growth reduced in the next two years.The projections suggested the unemployment rate criteria for tightening monetary policy might be achieved next year with a projected unemployment rate of 6.4 percent to 6.8 percent, but the more solid target is anticipated in 2015, when the unemployment rate is expected to range between 5.9 percent and 6.2 percent.The 2 percent inflation target–as measured by the personal consumption index tallied by the Bureau of Economic Analysis–is not expected to be reached until after 2016.Even though its criteria for tightening monetary policy remain elusive, the FOMC gave itself some wiggle room.””In judging when to moderate the pace of asset purchases,”” the FOMC said in its statement, “”the Committee will, at its coming meetings, assess whether incoming information continues to support the Committee’s expectation of ongoing improvement in labor market conditions and inflation moving back toward its longer-run objective. Asset purchases are not on a preset course, and the Committee’s decisions about their pace will remain contingent on the Committee’s economic outlook as well as its assessment of the likely efficacy and costs of such purchases.””In other words: Even if the targets are not achieved, the committee said it might act if it believes the economy is on a course to achieve them.Still, the FOMC remained skeptical.””Some indicators of labor market conditions have shown further improvement in recent months, but the unemployment rate remains elevated,”” the committee statement said. “”Household spending and business fixed investment advanced, and the housing sector has been strengthening, but mortgage rates have risen further and fiscal policy is restraining economic growth. Apart from fluctuations due to changes in energy prices, inflation has been running below the Committee’s longer-run objective, but longer-term inflation expectations have remained stable.””_Hear Mark Lieberman on P.O.T.U.S. radio (Sirius-XM 124) Friday at 6:20 a.m. Eastern._ Fed,FOMC Votes No Change in Policy, Foresees Slower Growth Share Agents & Brokers Attorneys & Title Companies Ben S. Bernanke Bureau of Labor Statistics Census Bureau Confidence Consumer spending Federal Reserve Home Sales Home Values Inflation Investors Lenders & Servicers Mark Lieberman Mortgage Bonds Service Providers Unemployment 2013-09-18 Mark Lieberman September 18, 2013 421 Views in Data, Government, Origination, Secondary Market, Servicing
October 10, 2016 564 Views Clayton Holdings 2016-10-10 Seth Welborn Andy PollockClayton Holdings LLC has announced the promotion of Andy Pollock to the position of chief revenue officer, where he will lead Clayton’s efforts to drive revenue streams in identify new growth opportunities.Pollock’s responsibilities as Clayton’s chief revenue officer also include leading enterprise sales and consulting strategy across Clayton and its subsidiaries, according to the announcement.“As we continue to develop exciting plans to pursue growth in 2017 and beyond, it is important to have a fully integrated and efficient enterprise sales and consulting strategy,” said Jeff Tennyson, president of Clayton Holdings. “Since Andy joined Clayton almost a year ago, he has consistently demonstrated his broad industry network, his deep mortgage experience and his boundless energy to lead and grow Clayton Consulting. I know he will bring that same passion and vision to his new role.”Pollock has been with Clayton since October 2015, when he joined the company as senior managing director, head of Consulting Services. His more than 25 years of operational experience in all phases of lending and servicing include several senior positions with First Franklin, where he has spent more than half his career. His positions with First Franklin include president and CEO. Pollock has also served as president and CEO at WDB Funding, an alternative commercial lending company, and he founded and served as managing partner of financial services consulting firm Global Logic Advisors.Clayton Holdings LLC is a national provider of loan due diligence, surveillance, REO management, consulting, valuation, title and settlement services, headquartered in Tampa, Florida. in Headlines, News Clayton Holdings Appoints New Chief Revenue Officer Share
Small-dollar Loans Can Make a Big Difference Affordability Borrowers FHA homes HOUSING Lenders loans Low-cost Homes mortgage Originations Single-Family Homes Urban Institute VA 2018-04-28 Radhika Ojha April 28, 2018 490 Views Low housing inventory and climbing home prices have been the source of numerous studies and headlines, and they are prominent issues impacting housing markets across the nation. However, while many homes in competitive markets are priced out of reach for most Americans, in other areas there quietly sit affordable homes that, despite their low prices, remain out of reach for low- and middle-income Americans. Despite finding “a substantial number of low-cost property sales taking place across many diverse housing markets,” researchers at the Urban Institute’s Housing Finance Policy Center say, “low-cost properties remain largely inaccessible to LMI [low- and middle-income] households because traditional mortgage financing is too difficult to obtain on these properties.” “Low-cost properties could be a larger source of affordable housing if credit access for purchasing and rehabilitating these properties were expanded and improved,” state researchers from the Urban Institute in their report, “Small-Dollar Mortgages for Single-Family Residential Properties.”Low-cost homes, priced at or under $70,000, are present in urban, suburban, and rural markets and “in many counties, small-dollar sales make up most home sales,” according to the Urban Institute. However, only about one in four homes sold for $70,000 or less were financed with a traditional mortgage as of 2015, and that number fluctuated between 25 and 29 percent between 2010 and 2015. On the other hand, close to 80 percent of homes sold for between $70,000 and $150,000 were financed with a traditional mortgage in 2015. The research also found the share of first-lien, single-family, owner-occupied home loan originations for low-priced homes between $10,000 and $70,000 was on the decline, falling from 8 percent of all home loan originations in 2009 to 5 percent of all originations in 2016. Over the same time period, the share of originations for homes sold for between $70,000 and $150,000 declined less than 1 percent, and loans for homes sold at higher prices increased in market share. Observing the channels that contribute to the small-dollar loan sector, the research found gaps between small-dollar market share and overall loan origination market share at the GSEs, the Federal Housing Administration (FHA), and the Department of Veterans Affairs (VA). The GSEs contribute to 53 percent of all home loan originations but just 45 percent of small-dollar mortgage loans. The FHA takes 24 percent market share overall but contributes just to 19 percent of small-dollar mortgages, and the VA holds a 10 percent market share overall but just a 3 percent share of the small-dollar market. Twenty-eight percent of small-dollar loans are held in portfolios at small community banks, credit unions, and large lenders, despite the fact that just 9 percent of small-dollar loans are originated there. The researchers pointed out a few reasons for the lack of financing available for low-priced homes. First, potential homeowners hoping to purchase a low-cost home with financing were less attractive than investor buyers ready to purchase with cash. Second, the researchers point out that loan origination costs are largely fixed, making small-dollar loans less attractive to lenders, who can profit more from the larger spreads available in high-dollar loans. “The limited access to mortgage credit for low-cost properties has led to a growing imbalance in America’s housing that affects both demand and supply,” state the researchers at the Urban Institute. The impact is particularly acute among potential first-time buyers. The Urban Institute offers several recommendations to enhance the small-dollar loan market, including growing the role of the federal government, the secondary market, and community organizations in the small-dollar loan sector; creating “consumer-friendly, fairly priced small-dollar mortgage alternatives to traditional mortgages for home purchase, renovation, and refinance;” expanding “first look” programs that offer preference to first-time homeowners, low-income buyers, and minorities; and expanding finance options for manufactured housing. in Daily Dose, Featured, News, Origination Share
in Daily Dose, Data, Featured, News January 24, 2019 958 Views Good News for the Housing Market? Do the latest U.S. housing market stats signal a time to smile? Yes, according to James Knightley, Chief International Economist at ING. “U.S. Housing markets had a pretty torrid time of things in 2018,” he said. This was particularly due to high borrowing costs as well as tax changes that were impacted the property taxes for many homeowners.However, things are looking up in 2019. Knightley looks at the mortgage application figures for the U.S. housing market in January to analyze how the market this year might be a better one than last year. Watch this video to learn more: Home HOUSING Jobs mortgage Mortgage Applications U.S. Economy 2019-01-24 Radhika Ojha Share
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