Two new appointments to the Human Rights Commission were announced today, July 3, by Ross Landry, the Minister responsible for the Human Rights Act. The new commissioners are Darren Desmond of Sydney and Andrea Paul of Pictou. “Mr. Desmond and Ms. Paul are leaders in their communities and bring a wide variety of experience,” said Mr. Landry. “Their experience will strengthen the Human Rights Commission and allow them to make a positive contribution in their new roles.” Commissioners play a strategic role at the commission and make decisions on human rights issues. The commission looks for members with diverse backgrounds who represent all areas of the province. Mr. Desmond is a lifelong volunteer and sports coach in the African Canadian and First Nations communities. He is employed as co-ordinator of African Canadian Student Affairs for the Nova Scotia Community College campuses in Sydney and Port Hawkesbury. Mr. Desmond also has a graduate degree in education with a concentration in Africentric leadership. Ms. Paul is chief of the Pictou Landing First Nation. She acts as the band’s spokesperson, chairs the council meetings and oversees the band’s finances. She also teaches Mi’kmaq in the local community school. Prior to teaching, Ms. Paul was a student councillor and worked with both youth and adults in her community. The two newest appointments will bring the commission to its full complement of 12. For more information on the Human Rights Commission, go to humanrights.gov.ns.ca .
Ghaziabad: Union Minister of State for Surface Transport Gen (retired) V.K. Singh opened the Vasundhara flyover for public here on Thursday. The flyover will facilitate travel from the Mohan Nagar side to the UP Gate without any stoppage. It will also allow residents of Indirapuram and Vasundhara to travel to the industrial area site 4, Sahibabad Industrial Estate, without facing any traffic jam. The construction of the Rs 49 crore flyover was started in April 2018. The Minister said the project could be completed in record time because of good coordination between different agencies like the Ghaziabad Development Authority (GDA), the Municipal Corporation, the district administration and the state highway authorities.
The young girls enrolled under NTPC’s ‘Super 30 girls’ Program, a Corporate Social Responsibility (CSR) initiative introduced by India’s largest power generating company, have cracked the IIT JEE Mains. Five girls among the group of 18, who had earlier qualified for the IIT JEE mains have successfully come out triumphant in the final qualifying hurdle.The year-long residential program, implemented with an objective to coach students for IIT- JEE, belonging to economically weaker families, brought these young aspirants a step closer to realising their dream of studying in some of India’s premier engineering institutes. Also Read – Pollution makes you more aggressiveAs part of this noble initiative, rolled out in association with the Centre for Social Responsibility and Leadership (CSRL), NTPC bears the entire cost of boarding, lodging, and coaching for the girl students belonging to underprivileged families. After the MoU signed between NTPC Northern Region Head Quarter in Lucknow and CSRL, New Delhi, NTPC & CSRL jointly initiated the Rs 77.03 lakh-program for 30 girls selected from families living in the vicinity of NTPC plants in the northern region. During the tenure of the project, the students were provided with free stay and food, and were imparted coaching and training to sit for entrance examinations (IIT/JEE/NIT) that would help them gain admission to eminent institutes in the country. Started on July 1, 2018, the program finally had 25 girls studying at the ‘NTPC Super 30 Girl’ centre in Varanasi.
Four stories in the news for Monday, June 17———TORONTO SET TO MARK RAPTORS’ WIN WITH PARADEThrongs of fans are expected to line the streets of Toronto today as the city celebrates its first major professional sports championship in more than a quarter century. Mayor John Tory has declared Monday “We The North Day” in Toronto, after the slogan of the NBA champion Raptors. A parade and rally to mark the team’s historic win over the Golden State Warriors is set to begin at 10 a.m. eastern time and wind its way through the downtown to Toronto City Hall. The last time the city held a sports celebration of this magnitude was after the Toronto Blue Jays won the World Series in 1993.———QUEBEC ADOPTS SECULARISM BILL 21Quebec’s secularism bill banning religious symbols for teachers, police officers and other public servants in positions of authority was passed last night. Bill 21 also forbids anyone giving or receiving a state service with their face covered — largely seen as a measure targeting full-face Islamic veils. Its opponents say the law targets religious minorities while the government argues it affirms the Quebecois people’s secular identity. Earlier Sunday the government passed another controversial bill that allows it to force newly arrived immigrants to pass a French-language and so-called values test before becoming eligible for permanent residency.———HEALTH MINISTER TO RELEASE $50M DEMENTIA STRATEGYThe federal government is releasing a national strategy on dementia today that focuses on preventing the affliction, supporting caregivers and finding cures. According to federal statistics, more than 419,000 Canadian seniors have been diagnosed with some form of dementia. Mental decline can have many different causes but there are few treatments and those that exist don’t do much but slow dementia’s progression. So prevention is a major emphasis in the $50-million strategy, with the government hoping that if Canadians get more exercise, eat better and don’t smoke, they’ll avoid dementia causes such as strokes.———SENATE TO DISCUSS NEW SOCIAL MEDIA GUIDELINESAn independent senator says members of the Red Chamber have to stop being so nasty on social media. Sen. Tony Dean says several recent exchanges on Twitter that included senators as well as their staff constituted “aggressive, harassing and, in some cases, bullying” behaviour. In just the last few weeks Senators have accused each other of misogyny, racism and selling out their home provinces. Dean argues that while free speech and the protections of parliamentary privilege are important, there should be reasonable limits on hurtful speech and conduct unbecoming a senator or the Senate as an institution.———ALSO IN THE NEWS:— Voir Dire to address pretrial issues in the case of Matthew Raymond charged with killing four people in Fredericton last year.— Agriculture Minister Marie-Claude Bibeau announces details of the Food Policy for Canada in Montreal.— Social Development Minister Jean-Yves Duclos makes announcement related to First-Time Home Buyer Incentive and Shared Equity Mortgage Providers Fund.— Calgary trial for Oluwatosin Oluwafemi, who’s charged with second-degree murder in the death of his four-year-old daughter.— Andrew Berry, charged with the second-degree murders of his daughters, stands trial in Vancouver.— LNG Canada launches initiative in Vancouver to attract, train and employ women to work in the skilled trades at its Kitimat project.———The Canadian Press
WEMBLEY, A.B. – Beaverlodge RCMP are asking for the public’s assistance in locating 16 year old Madison Dugray. Madison was last seen on January 23, 2019 in Wembley.Madison is described as:– Indigenous female– 5’6″, 160 lbs.– Brown hair, brown eyes– Wearing a red sweater and jeans The investigation is ongoing and there is a general concern for her well-being. If you have information on the whereabouts of Madison Dugray please call the Beaverlodge RCMP at 780-354-2955 or call your local police. If you wish to remain anonymous, you can contact Crime Stoppers at 1-800-222-8477 (TIPS), online at www.P3Tips.com or by using the “P3 Tips” app available through the Apple App or Google Play Store.
The world’s population will be better fed by 2030 and growth in food production will be higher than population growth, but hundreds of millions of people in developing countries will remain chronically hungry and the goal of halving the number of hungry by 2015 will not even be met by 2030, the United Nations Food and Agriculture Organization (FAO) said today.”By the year 2015/2030 per capita food supplies will have increased and the incidence of undernourishment will have been further reduced in most developing regions,” FAO Director-General Dr. Jacques Diouf writes in his foreword to “World agriculture: towards 2015/2030.” The Agency’s latest global assessment of the long-term outlook issued at its headquarters in Rome.But parts of South Asia may be still in a difficult position and much of sub-Saharan Africa will probably not be significantly better off than at present in the absence of concerted action by all concerned, the survey notes. “Therefore the world must brace itself for continuing interventions to cope with the consequences of local food crises and for action to remove permanently their root causes,” Dr. Diouf adds.The number of hungry people is expected to decline from around 800 million today to about 440 million in 2030. This means, that the target of the World Food Summit in 1996, to reduce the number of hungry by half by 2015, will not even be met by 2030, the survey says.“The report aims at describing the future as it is likely to be,” Jelle Bruinsma, the report’s editor, said. “It does not describe the future as it ought to be nor does it provide a development strategy for global agriculture…We hope that governments and the international community use the report as a basis for their actions, to cope with both existing problems and with new ones that may emerge.”The projections, covering 140 countries and 32 crop and livestock commodities, analyze supply and demand for the major agricultural commodities and sectors, including fisheries and forestry.
Ohio State senior heavyweight wrestler Kyle Snyder faces off against Arizona State’s Austyn Harris. Snyder won the match and the Buckeyes won the meet 31-12 on Nov. 12. Credit: Colin Hass-Hill | Sports EditorEAST LANSING, Mich. — There was only one option for Ohio State heavyweight Kyle Snyder after he lost his first collegiate match since the 2015 NCAA final — to work and work and work to prevent that from happening again. The work paid off at the Big Ten championships in East Lansing, Michigan, on Sunday.After losing to redshirt senior Adam Coon on Feb. 11, Snyder enacted revenge with a 4-2 decision in the heavyweight final. Coon’s size was a mismatch for the Buckeye senior in their first match, with the 6-foot-6 285-pounder providing more physical difficulties than the 5-foot-11 225-pounder usually has to deal with. Snyder was unable to get a shot clean enough to score on Coon, which eventually led to Coon’s winning takedown late in the third period.In the sequel, Snyder was able to make the adjustment that landed him the victory. “That was an immense amount of energy used to score points, that takedown, so congrats to Kyle,” Ohio State head coach Tom Ryan said. In the overtime period, Snyder’s winning takedown went under review, which brought a moment of hesitation into the arena.“Coach Tervel and coach Ryan thought I did. Jaggers thought I did, but they all thought it was close. So, I would’ve been ready to wrestle… but I was happy the two points were up on the board,” Snyder said.With the win, Snyder became the fourth wrestler in school history with three Big Ten championships, including his teammate Nathan Tomasello.“The main thrill I get is the team. The team is my favorite part,” Snyder said. “I feel like at Ohio State we are really unique in the way that we do things, the way that we talk, the way that we dress, the way that we compete. How much we care for each other.”Snyder has been back and forth from international competitions to Big Ten dual meets, along with finishing his senior season as a member of a Big Ten team title with 164.5 points,16.5 more than second-place Penn State. Next up is his last NCAA championship, and yet he stays humble about his accomplishments. “The highs of winning a title, that won’t be my favorite part of it. It’s gonna be the process of getting ready to compete. Hanging out with my friends, and learning more about wrestling,” Snyder said. Following another Big Ten championship for Snyder, the rubble match with Coon looms in Cleveland. Coon replaced Snyder’s ranking after their first match, and Snyder will likely grab it back after winning Big Tens. Snyder will be seeking his third straight national title.“I think next time what I need to do is score earlier so that he has to come after me and then once he comes after me … probably start picking his ankles a little bit better,” Snyder said. Although Snyder’s focus has been individually on Coon, the biggest threat to Ohio State at nationals are the Nittany Lions. Snyder beat Penn State No. 3 Nick Nevills in his semifinal match Saturday night. “They wrestled really, really well at nationals, and beat us at the nationals,” Snyder said. “And then it was all summer, Penn State is unbeatable right? So and we were like ‘we’re gonna be better than we were last year. We thought we were gonna get McKenna.’”This time the Buckeyes were victorious, but history often repeats itself. For what lies beyond the championships in Cleveland, Snyder already has an idea.“I plan on wrestling for a really long time so I plan on being in a lot of more world championships, couple more Olympic games,” Snyder said.
MPs said the system should be urgently reformed. British Army applicants are being turned away for “very minor” or nonrecurring childhood health issues, amid a chronic shortage of personnel, The Daily Telegraph can disclose. The disclosure will add to the growing concern about the vetting process for recruits because of problems enlisting a sufficient number of personnel. Candidates have revealed that they were rejected because they suffered from childhood eczema or had previously experienced back pain, even though their doctors had provided supporting statements. As of April 2018, Armed Forces Regular strength was 136,770, six per cent below the required number – an increase on the -4.4 per…
eCobalt Solutions reports that construction continues to advance on time and on budget at its 100%-owned Idaho Cobalt Project (the ICP), located near the town of Salmon, in the heart of the historic Idaho Cobalt Belt. The ICP remains the sole, near-term, environmentally permitted primary cobalt deposit in the USA.Progress development highlights include:Water treatment plant building completed (as pictured). Placement of large components and mechanical assembly commenced September 18Lining of the Tailings Waste Storage Facility and ponds advancing with expected completion in September for ponds and October for TWSF, including gravel toppingPumpback system pipelines installation now 65% completeBulk fuel storage and distribution system completeConstruction of surface mobile equipment maintenance facility initiated on September 6Construction of the mill building foundation commenced on September 10.“Our main priority is finalizing all environmental systems at site in preparation for underground mine development in early 2019,” stated Paul Farquharson, President & CEO of eCobalt. “This includes getting the water treatment plant in place, the liner installed on the Tailings Waste Storage Facility and water management ponds, and electrifying the pump back wells. These activities are part of the use of proceeds from the February 2018 public offering and are expected to be completed in the fourth quarter of this year. I am pleased to report that we are advancing on time and on budget as our team has been working expeditiously during the summer months.”Evaluation of several project financing options continues, including off-take, traditional financing, bond financings, and other financing alternatives to fund the development of the ICP. Discussions continue to progress with strong interest from multiple parties in numerous jurisdictions with the aim of being finalized once the optimized feasibility study has been completed.
Les poubelles des Franciliens s’allègentL’Observatoire régional des déchets en Ile-de-France (Ordif) vient de publier son dernier rapport, et rend des conclusions plutôt encourageantes. En neuf ans, entre 2000 et 2009, les poubelles des Franciliens se sont allégées de 30 kilos.Pour expliquer cette nette diminution des déchets ménagers des habitants d’Ile-de-France, Ordif évoque avant tout “les effets de la crise économique”, rapporte LeParisien. Toutefois, les campagnes de sensibilisation à la réduction et au tri des déchets, de même que les nombreuses installations de lieux de collectes au cours de ses dernières années, ont elles aussi eu un impact sur le comportement des Franciliens, note l’Observatoire.À lire aussiUn geyser de Yellowstone jaillit et éjecte des déchets jetés par des touristes il y a plus de 80 ansAlors qu’en neuf ans les poubelles des habitants d’Ile-de-France se sont allégées de 31 kilos, entre 2008 et 2009, la quantité de déchets ménagers collectés dans la région a diminué de 6 kilos par habitant. La collecte des déchets recyclables a quant à elle progressé de 1%, pour passer à 56 kilos par habitant.La région progresse en matière de tri sélectif. La collecte d’appareils électroniques a ainsi augmenté de 20% en 2009, et celle des piles et accumulateurs portables de 11% par rapport à 2008. Quant aux emballages ménagers, 50% sont recyclés, quand le Grenelle de l’environnement vise un objectif de 75% d’ici à 2012. Si l’Ile-de-France progresse, elle accuse malgré tout un important retard par rapport à la province, et à certains pays européens.Le 4 avril 2011 à 20:27 • Emmanuel Perrin
MIAMI — A tropical storm warning has been extended to include part of the Florida Panhandle as Tropical Storm Lee has begun to crawl northward again.Tropical storm warnings now stretch from Sabine Pass, Texas to Destin, Fla. The National Hurricane center in Miami says the center of the storm remains offshore, about 55 miles south of Lafayette, La. It had been stationary for several hours earlier Saturday, but was moving about 4 mph (6 kph) in the late afternoon. The center of the storm was expected to come ashore later Saturday.Its maximum sustained winds remained at 60 mph (95 kph). Fluctuations in strength were forecast to give way to gradual weakening by Sunday.
HELENA, Mont. — A newlywed wife with doubts about her 8-day-old marriage confessed she pushed her husband face-first off a cliff in Glacier National Park, then lied about his death and told authorities he had driven off with friends, court documents said.Federal prosecutors have given their version of what happened to Cody Lee Johnson, 25, two months after his body was found in an area of the park so steep and rugged that a helicopter had to be used in the recovery. Jordan Linn Graham, 22, appeared Monday in federal court in Missoula on a second-degree murder charge in Johnson’s July 7 death. Her attorney, public defender Andrew Nelson, declined to comment. Johnson’s family and friends had called for an investigation since the body was recovered July 12 below the Loop Trail near the sheer cliff drops of the park’s popular Going to the Sun Road. Johnson loved her and was excited for their marriage after a two-year courtship, but his relatives suspected that Graham didn’t exactly reciprocate, family friend Tracey Maness said. She was aloof, didn’t want to spend time with his family, and clammed up when she did, Maness said.
Musheerabad: TSRTC Employees Union (EU) has demanded that the state government merge TRSRTC with the government. The president and secretaries of the union were speaking at a programme held at the union office at VST Junction on Wednesday to release the poster for ‘Chalo Assembly’ a protest programme to be held on July 19.General secretary of the union, Raji Reddy, asked the state government to merge RTC in government and implement pay revision without much delay as it was already delayed by two years. He also demanded release of all dues to TSRTC. Although the number of retired RTC employees reached 6,000, the vacant posts are not filled by the management, he admitted. Also Read – Warrant issued against Renuka Chowdhury in cheating case Advertise With Us Raji Reddy demanded the management to provide job security to drivers and conductors working in RTC. He questioned why government has not appointed permanent MD even after one year. Raji Reddy said that the union has given a call for ‘Chalo Assembly’ on July 19 to press the state government for resolution of various issues of RTC employees. As part of the protest, hunger strike would be held at Dharna Chowk followed by a march towards assembly, he said. EU leaders CH Narsaiah, D Gopal, V Muralidhar, S Sai Reddy, Srinivas, Kishan, Basha and others attended the program.
Gadwal: With heavy inflows from Tungabhadra river in Alampur constituency of Gadwal district, after over a long gap of many years, the gates of Rajoli Banda Diversion Scheme (RDS) canal were opened on Tuesday bringing cheers to the farmers of RDS canal ayacut in Alampur and Ieja mandals of Gadwal district.Alampur MLA VM Abraham visited Sindanor village and opened the RDS canal gates and released water into the canal. Later, the MLA offered prayers to the flowing waters in the canal. Speaking on the occasion, the MLA said, “With good inflows into Jurala project, we have got adequate water for irrigating the ayacut under the RDS canal. We have opened the gates and released water to irrigate thousands of acres in Ieja and Alampur mandals. We are hoping good cropping season this time as farming activity has already begun on a largescale in the constituency.”
Amaravati: Indian Ambassador in the USA, Harshavardhan Pringla hosted a lunche to Chief Minister YS Jagan Mohan Reddy and his wife on Saturday. Earlier, the Chief Minister had a meeting with the leaders of various sectors and later met the foreign affairs diplomats of Southern Asia. The Chief Minister later had a meeting with Irfan Nuruddin of the Atlantic Council Southern Asia Centre and invited Claudia Lilian of the renowned pharmaceutical firm Gilid to have a tie-up with the pharmaceutical firms in Andhra Pradesh to manufacture medicines for HIV, AIDS, Hepatitis B and C. Jagan called on the US firm Gilid to utilise the facilities available in AP for the manufacture of high-end medicines and asked the representatives to provide high technical expertise to the pharma sector in Andhra Pradesh.
Depending on where you are in the world, getting your hands on one of the newly released next generation consoles from Sony or Microsoft may be an exercise in frustration. Both consoles are popular and stock doesn’t stay on store shelves very long. You also have to contend with those individuals purchasing just to list the hardware on eBay at highly inflated prices.But high-end London department store Harrods is taking a different approach to console sales it seems. The store does have stock of the Xbox One this holiday season, and you can definitely have the new console in time for Christmas. The only problem is, you’ll be paying £6,000 ($9750) to get your hands on it.The reason this particular Xbox One is so expensive should be made obvious in the image above. That isn’t a paint job. Harrods has encased the console in 24-karat gold. Nothing else is different. Harrods just turned it into a very expensive fingerprint magnet that also happens to play the latest games.While I’m sure there will be a few desperate parents and gamers out there on Christmas Eve still looking to purchase an Xbox One, I doubt any of them would be willing to spend this much money. However, if you look at it purely as an investment, by the time you’re through playing games on the console, the gold casing may have gone up in value enough to recoup the purchase price.If someone is silly enough to buy this Xbox One, they really should be told about those fake Xbox 360 backwards compatibility instructions that are floating around. We wouldn’t want them booting up a very expensive brick this Christmas morning, would we?
New Trailer ‘Pokemon Sword and Shield’ Reveals Team Yell PunksBattle Team Rocket in New ‘Pokemon Go’ Update Stay on target A first-edition set of Pokemon trading cards has sold at auction for $107,000.The lucky winner outbid 12 others for the mint-condition 103-card collection published in 1999.From Alakazam to Weedle, the original gang’s all there; the lot also features 26 trainer and seven energy cards.AdChoices广告There is seemingly no limit to what people will pay for a slice of nostalgia: A similarly conditioned complete set of Pokemon cards sold for nearly $100,000 in December 2017.And someone paid more than $26,000 for a prized #4 Charizard in 2016.There is still no word, meanwhile, on whether the New Yorker who forked over $60,000 for a Pokemon playing card that got lost in the mail has received their package.The Trainer No. 3 card—given to the third-place finalist at a Japanese Pokemon tournament in 1999—sold on eBay last year. But the parcel, insured for $50,000, never completed its journey. Some suspect it was stolen by a U.S. Postal Service employee.The buyer recently opened an investigation into the matter, offering $1,000 to anyone who can help locate the precious card.Like the video game series before it, the Pokemon Trading Card Game (PTCG) followers players as they use various characters’ strengths and weaknesses to defeat opponents.A later expansion introduced cards compatible with the Nintendo e-Reader, manufactured for the Game Boy Advance console.As of May 2019, 84 different PTCG sets have been released in English.You don’t need to drop six figures on heirloom cardboard to get your Pokemon fix, though: Pokemon Sword and Shield role-playing titles are set to hit Nintendo Switch on Nov. 15.They are the first main-series games in the eighth generation of the Pocket Monster franchise, and the second to be released on a home console.More on Geek.com:Play These Nintendo Switch Games Before ‘Pokemon Sword and Shield’Sealed Copy of NES Cult Classic ‘Kid Icarus’ Earns $9K at Auction100 of the World’s Rarest Sneakers Are Up for Auction
price,Home Prices Jump 13.6% in October in Data Share Agents & Brokers Attorneys & Title Companies Home Prices Investors Lenders & Servicers S&P/Case Shiller Home Price Indices Service Providers 2013-12-31 Tory Barringer Home prices rose annually for the 17th straight month in October, achieving their highest yearly gain in nearly eight years, according to the “”S&P/Case-Shiller Home Price Indices””:http://us.spindices.com/index-family/real-estate/sp-case-shiller released Tuesday.[IMAGE]Both the 10- and 20-city composite indices saw annual increases of 13.6 percent in October–the largest year-over-year growth since February 2006. As of the end of the month, average home prices nationwide had recovered to mid-2004 levels; compared to their mid-2006 peaks, both composites were still down about 20 percent.Thirteen out of the 20 cities tracked in the report posted double-digit annual improvements, though the increases [COLUMN_BREAK]have slowed in some of the top-performing markets, including Las Vegas, San Diego, and San Francisco. At the same time, cities that have struggled by comparison–Cleveland, New York, and Washington, D.C., for instance–are now experiencing accelerated growth.Some of October’s most notable numbers came from Chicago, which posted its highest annual price increase since 1988 at 10.9 percent, and from Charlotte and Dallas, which recorded increases of 8.8 percent and 9.7 percent, respectively–their highest rate of improvement since the creation of their indices in 1987 and 2000.Still, while annual returns remain strong, “”monthly numbers show we are living on borrowed time and the boom is fading,”” said David M. Blitzer, chairman of the Index Committee at S&P Dow Jones Indices.On a monthly basis, both composites saw a gain of 0.2 percent in October. Only ten cities experienced growth compared to September, and most of those markets reported a slowdown. Going forward, most indicators seem to point to a continuation of that trend.””Other housing data paint a mixed picture suggesting that we may be close to the peak gains in prices. However, other economic data point to somewhat faster growth in the new year,”” Blitzer said. “”Most forecasts for home prices point to single digit growth in 2014.”” December 31, 2013 419 Views
Mortgage originations rebounded in the second quarter as home equity lending stepped up in activity, according to a report released Monday.Experian estimates new mortgage origination volumes totaled $292 billion for the months of April through June, reflecting a 15 percent increase from a slow first quarter.Home equity lines of credit (HELOCs) led in gains for the quarter, totaling $35 billion—up 25 percent over the same period last year. Over the last 12 months, HELOC originations totaled $120 billion, marking a 27 percent increase from the prior period.According to Experian, HELOC lending rose by double digits throughout all regions compared to a year ago, led by the West Coast, where new originations were up 27 percent year-over-year. Most of that growth can be credited to California, which passed all other states in terms of HELOC dollars origination with $5.9 billion.Also outperforming the other regions in Q2 was the Northwest, where HELOC volumes were up 15 percent, with New York contributing $2.2 billion in volumes.While HELOCs have helped fill the gap left by receding demand for refinancing, the mortgage sector has still felt the absence of refinancing profits since the end of the boom.”Home lending had an incredible two-year period from Q2 2011 to Q2 2013, with $4 trillion in mortgage origination volume; 71 percent of that, or $2.9 trillion, came from home refinancing,” said Linda Haran, senior director of product management and strategy for Experian Decision Analytics. “A look behind those numbers tells us that the total dollars originated over the past four quarters are about $1.3 trillion versus $1.8 trillion, showing a 30 percent decrease in annual origination volumes from the refinancing boom.”Despite the nearly one-third drop, Haran remains optimistic for the mortgage market as home purchase lending takes up a greater share.”This equates to new purchase activity increasing by 22 percent in Q2 2014 from last year, signaling that consumers are getting back into the market,” she said. “In the long term, this appears to set up the market for continued purchases into spring and summer of 2015.”Though purchase loan share is up, the percentages hide a concerning lack of activity. In a recent analysis, Capital Economics reported mortgage applications for home purchase loans in August were at a near 20-year low, with most applications geared toward the high end of the housing market.”[T]he average value of a mortgage application for home purchase has increased far more than average house prices over the past couple of years,” said Paul Diggle, property economist for Capital Economics. “It seems that only high earners with (presumably) strong credit scores are currently confident enough to apply for mortgage finance.” in Daily Dose, News, Origination September 30, 2014 409 Views HELOC Lending Volumes Bound 27% in Q2 Share Experian HELOCs Purchase Loans Refinance 2014-09-30 Tory Barringer
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