5 greatest Kentucky Derby finishes Cuba’s President Raul Castro attends a National Assembly session, as he sits next to the chair that Fidel Castro always used, left empty, in Havana, Cuba, Wednesday, July 15, 2015. The parliament is holding one of its twice-annual regular sessions with a new twist: It’s live-tweeting the proceedings for the first time. (AP Photo/Ismael Francisco, Cubadebate) New Valley school lets students pick career-path academies Comments Share Still, it was a highly unusual step into social media for a country that lags far behind much of the world in Internet use.Cubans are increasingly using the likes of Facebook and Twitter as authorities slowly expand connectivity options, but most islanders who are able to connect do so only sporadically and briefly, limited by cost, availability and scant bandwidth.State-run website Cubadebate confirmed the authenticity of the Twitter account and Facebook page, both of which apparently went live Saturday.Cuba and the United States broke off diplomatic relations in 1961 during tense Cold War times.The near-neighbors have danced a mutually hostile lockstep ever since, until Castro and Obama’s simultaneous statements Dec. 17 that they would negotiate restoration of ties. Earlier this month those talks culminated with the embassy announcement.On Wednesday, Cubadebate posted a photo of workers at the Cuban Interests Section in Washington removing a plaque identifying it as such, ahead of its ceremonial inauguration as an embassy on Monday.Also at parliament, officials reported that Cuba recorded an annualized economic growth of 4.7 percent in the first half of the year. That was up from a forecast of 4 percent offered last month; annual growth is expected to come in around 4 percent. Arizona families, Arizona farms: A legacy of tradition embracing animal care and comfort through modern technology Sponsored Stories Here’s how to repair and patch damaged drywall “A new stage will begin, long and complex, on the road toward normalization, which will require the will to find solutions to the problems that have accumulated over more than five decades and hurt ties between our nations and peoples,” Castro said in a speech that was broadcast later by state TV in the evening.“As we have said, it is about founding a new kind of tie between both states, that is different from all our shared history,” he added.Castro acknowledged President Barack Obama’s call for a debate on lifting the more than 50-year-old U.S. trade embargo, something that would require an act of Congress.But Cuba hopes he continues to use his executive powers “to dismantle aspects of this policy, which causes damage and hardship among our people,” Castro said.He said as far as Cuba is concerned, relations cannot be normalized as long as the embargo is in place. He also demanded the return of the U.S. military base at Guantanamo, compensation for economic damage from the embargo, an end to U.S. broadcasts beamed at the island and a halt to “programs that aim to promote subversion and destabilization.”Such grievances are not new, and it’s not clear how much Washington would be willing to consider any or all of them. HAVANA (AP) — Raul Castro said Wednesday that Cuba and the United States are entering a new era as the countries prepare to restart diplomatic relations next week, though he insisted more changes in U.S. policy toward the communist-run island are necessary.In his first public comments since the two governments announced that their diplomatic missions currently known as “interests sections” will enjoy full embassy status beginning July 20, Castro’s remarks to Cuba’s parliament sounded both a welcoming and cautious tone. Ex-FBI agent details raid on Phoenix body donation facility U.S. law says the embargo cannot be lifted unless Havana pays compensation for American properties nationalized following the 1959 Cuban Revolution, now worth an estimated $7 billion or more. And the United States is seeking its own concessions from Cuba on issues such as human rights and democracy.Cuban officials from Castro on down have said repeatedly that the island’s one-party political system will not change. And while they acknowledge Cuba needs to adjust things like economic policy, they make clear they will not tolerate intrusion into their affairs.“Changing whatever needs to be changed is a sovereign matter, and exclusive to the Cubans,” Castro said.His comments came during one of the National Assembly’s twice-annual regular sessions in a Havana convention center. Foreign journalists were not allowed access.But the one-day full gathering of parliament came with a twist: Through newly launched Twitter and Facebook profiles, the National Assembly provided regular updates throughout the day.There was little drama in the live-tweeting, with snippets such as an announcement that parliament president Esteban Lazo had called the body to order with homages to 19th century independence figure Mariana Grajales, known here as the “mother of Cuba.” “This is very good, taking into account that last year we only grew 1 percent,” Castro said.___Peter Orsi on Twitter: www.twitter.com/Peter_OrsiCopyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Top Stories Mesa family survives lightning strike to home How do cataracts affect your vision?
<a href=”http://www.etbtravelnews.global/click/25e2e/” target=”_blank”><img src=”http://adsvr.travelads.biz/www/delivery/avw.php?zoneid=10&cb=INSERT_RANDOM_NUMBER_HERE&n=a5c63036″ border=”0″ alt=””></a> Jetstar has announced plans to launch long haul services from Singapore to Australia, North Asia and/or European destinations later this year.As part of its pan Asian network growth plans, Jetstar will operate two Airbus 330-200 aircraft to its major Asian hub at Singapore Changi Airport. Jetstar’s existing two-class A330-200 fleet flies long haul services from Australia directly to the Asia Pacific destinations of Bali, Tokyo, Osaka, Honolulu, Bangkok and Phuket.Currently, Jetstar’s partnership in growth with Singapore Changi Airport supports over 400 weekly return services to 21 destinations directly beyond Singapore including Malaysia, Vietnam, Indonesia, China, Thailand and Australia. Jetstar CEO Bruce Buchanan said the long haul services would create 200 new aviation jobs across Jetstar’s growing Pan Asian network. Mr Buchanan said the carrier was currently holding talks with several airports to finalise arrangements and it expects to launch commercial pre-flight sales soon. “Jetstar continues to grow strongly as we build our Pan-Asian presence,” Mr Buchanan said. Jetstar Asia & Valuair CEO Ms Chong Phit Lian said Jetstar will be recognised as the first low-cost long haul airline to operate into Singapore once the new services are up and running. Mr Yam Kum Weng, Executive Vice President Changi Airport Group, said: “We are pleased that Jetstar is on track to be the first airline at Changi Airport to offer low-cost long-haul flights for passengers. “This is an exciting development. It will give air travellers greater choice, while enhancing Singapore’s connectivity and attractiveness as an air hub. Changi Airport Group will continue to work with Jetstar to support its growth at Changi.” Jetstar presently flies up to 2000 weekly flights to 57 destinations with a fleet of 61 aircraft across the Asia Pacific Region. Source = e-Travel Blackboard: C.F
The Founder and Chairman of BridgeClimb Sydney, Paul Cave, was today officially honoured as a Member of the Order of Australia (AM) at an investiture ceremony held at Government House in Sydney.Paul was presented the honour by Her Excellency, The Governor of New South Wales, Marie Bashir, AC, CVO. The award was announced on the Queen’s Birthday of this year, for his services to the tourism industry in New South Wales, as well as to the community as a supporter of a range of health, sporting and charitable organisations.In the Australian honours system, appointments to the Order of Australia represent the highest recognition for outstanding achievement and service, and give fellow Australians a way to recognise the achievements of their fellow citizens.After receiving the award today Paul said, “Somehow it seems unnecessary to be awarded for doing things that I am passionate about. I am most fortunate to be surrounded by wonderful teams at both BridgeClimb, and particularly the Chris O’Brien Lifehouse”.One of his most notable achievements was the creation of BridgeClimb Sydney, now acknowledged as a major tourist attraction in Sydney. The iconic experience has welcomed over 2.5 million Climbers from over 140 countries and territories to the summit of the Sydney Harbour Bridge.In 2008 BridgeClimb was awarded the highest national tourism accolade, winning the Australian Tourism Award for Major Tourist Attractions, and currently sits in the NSW Tourism Awards Hall of Fame in the same category.The Sydney Harbour Bridge is particularly special to Paul because his late father-in-law, then as a teenager, lined up for two days from the 19th March 1932 and purchased the first rail ticket sold to the public for crossing the Bridge on 20th March 1932 – ticket number 00001. Having inherited this rail ticket he will never forget the significance of this ticket, or indeed the journey it has subsequently taken him on.His BridgeClimb journey truly began in 1989 when he helped conduct a World Congress in Sydney, including a climb over the Sydney Harbour Bridge. From this point the personal dream to share the summit of the Bridge with everyone was born. Finally, nine years later on October 1st 1998, BridgeClimb was officially launched.As a survivor of cancer himself, Paul is a Director of Chris O’Brien Lifehouse, which is focused on building a $300 million Comprehensive Cancer Centre at RPA hospital.A poem which resonates quite deeply with him and his affection for the Sydney Harbour Bridge was written by CJ Dennis, and titled “I Dips Me Lid”. We at BridgeClimb, “dips ours” to Paul. Source = BridgeClimb Sydney Paul Cave AM
Source = e-Travel Blackboard: N.J Strategic promotion and continuous marketing initiatives have prompted a 40 percent growth amongst Aussies planning vacations and international weddings in the Cook Islands. Speaking at the launch of the Cook Islands Tourism’s market development update last night at the Flying Fish in Pyrmont, Sydney, the Group’s Australia managing director Kerryn Cook said Australians have become “an important market” with the region experiencing a 40 percent rise in Australian arrivals over the past two years.Prior to extensive marketing efforts and industry information nights, Ms Cook said the Australian market was a “sleeping giant” for the Islands and has since ‘awoken’ with double digit growth on a monthly basis over corresponding months during the prior year.In line with the Group’s commitment to boosting numbers from Australia and updating and working with its industry partners, the tourist bureau launched a consumer marketing campaign yesterday that will include a television commercial, a cinema ad and an all new trade road show running across Sydney, Melbourne and Brisbane in November this year.Destination developments are also in the Cooks’ sights, with the bureau’s chief executive Carmel Beattie revealing initiatives to promote the raised coral reef, stone caves and fresh water pools of the island, Mitiaro, open new bed and breakfast accommodation in traditional huts as well as open cruise ship access to Arorangi.Other initiatives in the works include a new money card in Rarotonga that will work as a VISA debit for travellers to prompt further spending on the Islands.“We are looking to offer very real and all authentic experiences to travellers,” Ms Beattie explained.“We always want to sell the Cooks as a very authentic destination and show people the warmth of the connection with nature and locals.”The Cook Islands recently featured in an SBS feature show, Island Feast with Peter Kuravita, that followed the Celebrity Chef as he showcased the self-sufficiency of the Islands as he showed audiences how to search for octopi, go deep-sea fishing and catch freshwater prawns.
Pictured shortly before the USA defeated Canada 5-4 in extra time, are (from left): Nathan McLoughlin (Account Director, Trade, Canada Tourism Commission), Joanne Motta (Manager Australia-New Zealand, Destination British Columbia), Stewart Williams (Managing Director Australasia, Globus family of brands), Jo Palmer (Managing Director, Gate 7) and Christian Schweitzer (Marketing Manager Australasia, Globus family of brands).Source = ETB News: Lana Bogunovich Globus has released its new action and adventure packed 2015 USA and Canada brochure, featuring the best of the great American outdoors, from mountainous terrain and scenic coastlines, to sprawling plains and lush national parks.With plenty of diversity to choose from, the new Globus brochures offers more than 50 different tour itineraries, taking the traveller from the big city bright lights and bustle to old southern plantations and cowboy country of the west, as well as everything in between.Visit famous resort destinations in the Canadian Rockies during a rail journey through the Coastal Passage to Seattle on the new Rocky Mountaineer, discover the pristine beauty of snow-capped peaks in Yosemite Park, take a walk in the wild west through South Dakota, Wyoming and Utah, and step back into time on a historic road and rail journey through the snowy peaks, canyons and wild rivers of the Old West.For every traveller visiting US National Parks, Globus will make a contribution to the US National Park Foundation to ensure the safeguarding of parks for future generations, as it continues its partnership with the US National Park Foundation into 2015.Furthermore, with customer’s comfort front of mind, Globus offers premium tours complete with top quality accommodation, luxury coaches with most featuring free wi-fi services.Ten percent savings are currently available on all tours within the 2015 USA and Canada programs, on bookings paid in full no less than 12 months before departures, with further savings available on second tour bookings, repeat travellers and group booking of five or more.In related news, to launch their 2015 USA and Canada tour brochures, Globus and Cosmos celebrated at the international ice hockey match between Canada and USA at Allphones Arena, Sydney Olympic Park on Saturday night.
Nok Air signs the sale and lease back agreement Alec Burger, President and CEO, GECAS / Patee Sarasin, Nok Air’s CEONok Air signs the sale and lease back agreement with GECAS for Boeing 737 MAXNok Air, Thailand’s premium low-cost carrier signed the sale and lease back agreement with GE Capital Aviation Services (GECAS) for two Boeing 737 MAXs coming in 2018.“As Nok Air continues to grow its network across Asia and our fleet continues to expand with new, more efficient aircraft, GECAS has been a strong partner on many fleet financing opportunities over the years of our successful partnership. We are pleased to continue working with GECAS to bring in the best in technology and innovation to make us an even more sustainable airline” said Mr. Patee Sarasin, Nok Air’s CEO.Nok Air is Thailand’s largest domestic airline serving 24 domestic airports and three regional airports. The airline currently operates a fleet of 32 aircraft. Nok Airbook flights hereAbout Nok Air Nok Air, the truly Thai airline that smiles across Asia, continues to expand its network as the carrier with the distinctive personality, the unique, and colorful fleet brings its warm service and professional standards to every corner of the Thai kingdom, at some of the most affordable prices. Since first launching in 2004, Nok Air has grown to become the Thai airline that most closely reflects the Thai way of doing things – serving its passengers with a sense of fun, yet always focusing on total safety and excellent performance. For media inquiries, please contact: Source = Nok Air
Source = Tourism Authority of Thailand Her Royal Highness Princess Ubolratana Rajakanya Sirivadhana Barnavadi graciously visited the Thailand pavilion at the WTM 2016Thailand introduced unique local experiences to the world at WTM 2016Designed to fit in with the “Year of Sustainable Tourism Development” proclaimed by the UN World Tourism Organisation (UNWTO) for 2017, the “Unique Thai Local Experiences” campaign is being extensively publicised at the World Travel Market 2016, one of the world’s largest travel trade shows being held from 7 to 9 November, 2016.TAT has been participating in the WTM since its inception in 1980. This year, the Thai contingent includes 48 exhibitors including high-quality hotels, health and wellness facilities, as well as world-class food and beverage outlets, which are embedded with giving a touch of Thainess and local experiences to their guests.This year at the Thailand Pavilion, Thai sellers and TAT staff are welcoming visitors by offering a touch of Thai Local Experiences in various interesting activities. At the demonstration under the story of ‘Thai Rice, Thai Life’, visitors can learn about the local life of Thai farmers through virtual reality like they are actually travelling in Thailand and sample rice tea and a snack while trying a hand rice milk scrub. Also, they can join in a Thai pronunciation challenge in a ‘Pa-Sa-Thai’ (Thai language) machine to see how best they can pronounce like the locals and win and take some souvenirs.H.E. Mrs. Kobkarn Wattanavrangkul, Minister of Tourism and SportAt the Thailand Networking Lunch session, H.E. Mrs. Kobkarn Wattanavrangkul, Minister of Tourism and Sports said, “We are here at WTM 2016; this means life goes on in Thailand with the strong intention to follow in the King’s Footsteps. Now it is Thailand’s sharing period. We would like to thank our friends from all over the world for standing by us during this period of time. All events, festivals and sports tournaments and cultural traditions, will be going ahead as scheduled though a sense of respect and appropriateness will be maintained, as well as to ensure safety and security for tourists coming to the Kingdom.”In recognition of His Majesty’s multifarious duties of national sports, the Ministry of Tourism and Sports has planned to turn Thailand into a sporting hub by promoting and supporting regional and international sporting events and tournaments; such as, the Air Race One flying test event, the Laguna Phuket Triathlon 2016, the Thailand Equestrian Princess’s Cup, the Jet-Ski King’s Cup, and the Phuket King’s Cup Regatta.Tuk-tuk, one of Thailand’s unique icons is on the display at the Thailand pavilion at the WTM 2016Moreover, the Ministry of Tourism and Sports working closely with the Ministry of Public Health, has launched a ‘Visit Thailand Enhance Your Healthy Life’ campaign for medical tourism, as well as joined hands with TAT to attend significant world medical trade events and roadshows.In 2017, TAT aims to offer “Value for Experiences” to travellers coming to the Kingdom by focussing on “Unique Thai Local Experiences” to the world. In line with the Thailand 4.0 model, TAT will highlighting a value-based economy driven by innovation and looking to be a creative economy delivering creative tourism. TAT has also initiated the LINK project in which ‘L’ represents Local Experiences; ‘I’ for Innovation; ‘N’ for Networking and ‘K’ for Keeping character. This is aimed to promote the local tourism in various communities in Thailand; such as, Ban Na Ton Chan Community in Sukhothai province, Kram Sakon in Sakon Nakhon province, Ban Nam Chiao Ecotourism Community, Trat province, and Ko Klang Community, Krabi province.Mr. Yuthasak Supasorn, TAT GovernorMr. Yuthasak Supasorn, TAT Governor said, “Promoting the local experience will not only benefit visitors, but also the local people as well as travel agents. We strongly believe that each local community of Thailand can deliver distinctive, genuine, unique hospitality and Thai culture with new exciting experiences to tourists. Also, this will create new and unique quality products for travel agents to offer to their customers.”From 1 January – 22 October, 2016, Thailand welcomed 26.4 million tourists, generating an income of 26.5 billion Pounds, up 11.82 percent and 15.59 percent, respectively. The top five tourism spending countries are China, Malaysia, Russia, the United Kingdom, and the United States of America.At the end of 2016, TAT expects to reach 35 billion Pounds, an increase of 18 per cent based on a projection of 33 million international tourists. Amazing Thailanddiscover more here
Source = roomsxml.com Are the Millenial’s worth chasing?We have experienced the travel industry evolving, but less talked about is the revolution that is taking place if you are a member of the travelling public. As an agent looking for new business, you to keep abreast of these changes and make the necessary adjustments to survive in this fast-paced Industry.Some put them in the too hard basket, or define them as self bookers, but there are still opportunities with the millennial’s.According to a survey conducted by MMGY Global, the millennial’s represent the major growth force in American travel today and are pitched to become the leading travel segment. Whilst Australia tends to lag other large developed nations in adopting trends, house prices are an example of stimulus that change the way millennial’s think about their money.But they are smart, savvy, well informed. How do you tap into them? First of all you need to understand how they think and want to communicate.A trend amongst millennial’s is niche or customised travel, rich in experience and immersion. Social capital is important. They are interested in the products and services provided by travel agents that will give them that social capital edge and save them time.Specialised services in niches such as wellness and adventure travel will enable you will be well positioned to capture more business from millennial travellers. Thread it into your marketing and communications. Companies like G Adventures have understood how to make this connection and pitch their product and content accordingly across many of their products. Oman as a destination has done this wonderfully.You need to be part of their decision-making process, beyond websites and Facebook pages and more about how you engage each customer. Process and procedure will give you efficiency and you can achieve a lot with automation, although not many travel agent groups have taken this step.Millennials demand instant communication and ease of doing business; they are the smartphone generation after all! As a travel agent, you have to be aware of this in order not to lose potential clients. They expect immediate information and quick replies with authentic content. Accuracy is important for the millennial. Technology like bots is not as likely to scare them off as much as older customers.A few days in response time will mean the millennial has already moved on. The millennial’s are important for you to consider for your survival if you are currently dealing with ageing clientele. The millennial’s represent growth, banking on ageing clientele represents decline.Food for thought on where you spend your next buck in generating new business?roomsXML – More Suppliers, Hot Deals www.roomsxml.com learn more about roomsXML.com here
Despite creating a Renaissance masterpiece like this during a time of upheaval and uprising, Michelangelo managed to complete the sombre mausoleum, unharmed by Medic vengeance.Source: BBC
In line with the United Nation’s theme for this year’s World Tourism Day, the Indian online transportation network company Ola, collaborated with seven prominent State Tourism Departments and Corporations to promote Responsible Tourism.Ola’s campaign was flagged off by Priyank M Kharge, Minister of State for Information Technology, Biotechnology and Tourism, Government of Karnataka from Bengaluru’s Vidhana Soudha.As the tourism sector is rapidly growing in India, it is vital to invest in Responsible Tourism activities that will go a long way in protecting and conserving India’s vibrant cultural heritage present in every corner of the country.To raise awareness about Responsible Tourism and promote road travel to lesser-known locales across the country, Ola roped in popular VJ turned actor and travel blogger, Shenaz Treasury, for a 7-state, 12-days and 21 locations expedition across India with Ola Outstation.Pranay Jivrajka, Founding Partner, Ola, said, “We are thrilled to be collaborating with tourism boards across the country, where we will be jointly building a responsible tourism ecosystem through Ola Outstation. The Ola Outstation category is second only to the Indian Railways in terms of network and connects to 1000+ cities and towns across the country.”Shenaz Treasury said that being a passionate traveller, she has travelled across several countries and continents, but India is special since every single state has something unique to offer. She strongly feels that the preservation of the natural and cultural heritage across the country is facing a grave threat. There is now a need to travel consciously, respectfully, and responsibly.“From avoiding littering to encouraging local economy, there is a lot each one of us can do that will go a long way in keeping the country’s cultural legacy intact. I am thrilled to partner with Ola, be the flag-bearer of this message,” Shenaz concluded.Ola has joined forces with Maharashtra Tourism Development Corporation (MTDC), Kerala Tourism Department, Andhra Pradesh Tourism Development Corporation Ltd, Tourism Corporation of Gujarat Ltd (TCGL), Rajasthan Tourism Department, Assam Tourism Department and Karnataka State Tourism Development Corporation (KSTDC).
CoreLogic: Home Prices Post Greatest Yearly Gain in Almost 7 Years March 5, 2013 426 Views “”CoreLogic’s””:http://www.corelogic.com/ Home Price Index (HPI) saw its greatest yearly increase in nearly seven years in January, the analytics provider revealed Tuesday.[IMAGE]Home prices nationwide–including distressed sales–rose on a year-over-year basis by 9.7 percent in January. The spike represents the biggest increase since April 2006, CoreLogic said. The HPI analysis shows that all but two states experienced year-over-year price gains. The states with the highest price appreciation in January were Arizona (20.1 percent), Nevada (17.4 percent), Idaho (14.9 percent), California (14.1 percent), and Hawaii (14.0 percent). Delaware and Illinois, the only two states to report price depreciation, saw prices decline 0.1 percent and 0.4 percent, respectively.””The HPI showed strong growth during the typically slow winter season,”” said Mark Fleming, chief economist for CoreLogic. “”With these gains, the housing market is poised to enter the spring selling season on sound footing. The improvements are materializing across the country, with all but Delaware and Illinois showing increasing HPI and 15 states within 10 percent of their peak values.””On a month-over-month basis, home prices increased by 0.7 percent from January to December (following a revision to December’s findings). Excluding home sales, home prices increased on an annual basis by 9.0 percent in January. On a month-over-month basis, prices (excluding distressed sales) rose 1.8 percent. “”Home prices continued to gather steam across a broad swath of the country in January, continuing the positive trend we saw in most of 2012,”” said Anand Nallathambi, CoreLogic’s president and CEO. “”Many states across the western U.S. and along the East Coast saw average price gains of more than 6 percent, which is likely to boost home sale activity into the first half of 2013.””CoreLogic’s Pending HPI, a metric measuring current trends in home prices, indicates that prices (including distressed sales) in February will likely match January’s year-over-year gains, rising 9.7 percent over February 2012. However, February prices are expected to dip 0.3 percent on a monthly basis, reflecting a seasonal winter slowdown.Excluding distressed sales, February 2013 home prices are poised to rise 11.3 percent year-over-year and 1.8 percent month-over-month, CoreLogic said. in Data, Government, Origination, Secondary Market, Servicing Agents & Brokers Attorneys & Title Companies CoreLogic Home Equity Home Prices Home Values Housing Affordability Investors Lenders & Servicers Processing Service Providers 2013-03-05 Tory Barringer Share
Share in Headlines, News, Origination, Print Features These millennials aren’t buying… yet.Shamel Washington is a 32-year-old professional who currently lives with his parents in New York. He hasn’t always been there. After graduating from a Philadelphia college, Washington accepted a job not far from his alma mater. But living on his own for four years was expensive, and the financial burden became too stressful. Washington decided to move back to his parents’ home in New York. It wasn’t what he wanted to do, but living with his parents was the best available option.“With the amount of student debt I’ve accrued over the years,” Washington said, “it was impossible for me to comfortably pay my rent, student loan payment, car payment, and other bills. I’m thankful that my parents allowed me to move back in with them; I’m living rent-free, and I’m able to save money for a home. My fiancée and I are looking to move out of state in a few years, and renting is no longer an option for us anymore. Now that I have more of a handle on my finances, I’m ready to begin the homebuying process.”It’s not uncommon for adult millennials to spend years living with their parents. The Social and Demographic Trends study by Pew Research Center examined trends among millennials across multiple areas. According to the report, 31.6 percent of young adults were living with a spouse or partner in their own household, and 32.1 percent of millennials were living with parents in 2014. The report also revealed that 14 percent of millennials were either living alone, with one or more roommates, or were a single parent. The remaining respondents, 22 percent, were living with a grandparent, in-law, or a sibling; a non-relative; or were living in group settings like a college dormitory.Many millennials feel that they have not been presented with the same opportunities that previous generations enjoyed. Zillow’s Group Report on Consumer Housing Trends revealed that millennials have had the most difficulty entering the housing market due to rising interest rates and affordability. Millennials have also rented properties longer than previous generations, and 52 percent of buyers said they’ve considered renting for extended periods in order to save for a down payment and put it toward a house they like, according to the report.Generation GapMost millennials do want to own homes eventually, but some find the idea impractical or daunting given their current finances. They’re frustrated by comparing their parents’ prospects as young adults, decades ago, with their own meager ones in the present.MaKenna Woods, a 24-year-old graduate assistant who is pursuing a doctoral degree in social work, often finds herself comparing her financial situation to that of her parents. She is acutely aware of the pressure to exceed her parents’ achievements.“I am constantly comparing myself to my mother and where she was at my age,” Woods said. “At 24, she was already married with a child and one on the way. She and my dad owned a home and were making their way in life. Fast forward to my 24-yearold self, I’m still in graduate school renting a townhouse with a friend of mine. The idea of owning a home seems like a pipe dream—a goal that I will only be able to reach when I’m not inundated with student loans that are accruing interest.”The prevalence of student loans causes a chilling effect on millennials’ homeownership ambitions. With a national student loan debt of more than $1.3 trillion, many millennials are bogged down by payments, with their high interest rates and long-term repayment periods.Not every millennial is affected, but many members of this generation do harbor student debt or live in a home with family members who have accrued student debt. Harvard OIP revealed that more than 42 percent of millennials between the ages of 18 and 29 are currently living with student debt or know someone in their household who has student debt, while 48 percent of millennials say they do not have any student loan debt. Additionally, 57 percent of millennials in that age range believe that student debt is a major problem for young people in the United States.Ryan Williams, a 25-year old business professional living in Dallas, shared the same sentiments as MaKenna Woods, saying that the market is in a different place than it was for previous generations.“My parents were both 22 years old when they purchased their three-bedroom home in Garland, Texas,” Williams said. “Parents believe that kids should have an easier time purchasing a home because of all of the resources and opportunities available to us, but that’s not the case. They fail to factor in inflation and the big housing crisis, which make it harder for those in my age group to attain these goals. Millennials are barely making it due to other financial obligations, so purchasing a home gets put on the back burner.”A Different American DreamThere also seems to be a mismatch between where the jobs are and where real estate is affordable. Simultaneously, though most renters still want to become homeowner, the implicit social value of being a homeowner may not be as strong as it once was.Erin Smith, a 33-year-old business professional living in Los Angeles, sees herself moving back to her hometown of Louisville, Kentucky to purchase a home. Los Angeles homes, which include celebrity-populated suburbs like Beverly Hills and Malibu, hold the title as America’s most valuable housing market and have a combined total value of more than $2.5 trillion—more than double the combined wealth of America’s 50 richest citizens, according to the latest Real Estate Analytics report by Zillow.Smith is currently living in a rental property but is unsure if she wants to purchase a home. “I’m not sure I want to own a house,” Smith said. “The reality is that I may not marry or have children, and the upkeep of a home can be time consuming and expensive. Right now, I don’t see myself owning a home in L.A. My entire family is back in Kentucky. My roots are there, and that’s where I also see my forever home being.”The financial industry’s unapproachability—and dubious reputation—doesn’t help matters.For example, Smith thinks that mortgage lenders can do more to improve their efforts in targeting millennials. She noted that many in her generation feel skeptical of homeownership because of the housing crisis.“I actually don’t think I’m being targeted at all by mortgage lenders,” Smith said. “I, personally, am skeptical of the whole system because of the crisis back in 2007-2008. I remember working for a mortgage lender and learning about all the subprime loans and thought to myself, ‘Sooner or later this is going to get ugly,’ and it did. Because of that, people—especially millennials—are cautious about entering into a mortgage agreement.”Making the ConnectionDespite millennials’ sentiments toward homeownership, this generation is the future of the housing market. It is imperative that they are given the necessary tools and resources in order to succeed—otherwise many of us are out of a job.How can lenders entice millennials? This is the question: In a market that’s itching to attract the next generation of homeowners, what can lenders do to draw millennials to homeownership? How can they be convinced to take that next step toward purchasing?Joining the 21st century posthaste will help. Lenders and servicers are developing programs in the digital space to meet the needs of the average American homeowner, and as the industry becomes more inclusive, millennials are becoming part of the conversation and a consideration in organizations’ bottom lines. The importance of this demographic helps drive the development of web-based and mobile amenities.Nationstar Mortgage, a nonbank servicer located in Dallas, is focusing on “keeping the dream of homeownership alive.” In an effort to fulfill the company’s purpose, Nationstar has reinvented its website in order to broaden its reach and cater to millennials. The website has a feature called Street Smarts, which allows customers to become more in tune with their finances. Customers can understand their FICO score, determine the amount of equity in their home, and use tools to view other home prices in their area.The servicer also introduced a new mobile application that allows millennials to learn about their financial situation while on the go.Kelly Ann Doherty, SVP of Corporate Communications for Nationstar, said she wants to encourage servicers to embrace millennials through education and assistance.“Nationstar’s new website and mobile app speak to what needs to exist more broadly across the servicing industry,” Doherty said. “We need to focus on innovation and engagement. It’s not just about how quickly you can get a customer into a mortgage, but how you can form a lasting partnership with a customer and make them comfortable, educated, and empowered. This, in essence, is why we created these new tools. We want to put the service back in servicing. And for millennials, it’s about giving them the tools they need to feel confident in taking that next step in their homeownership journey and helping them become smarter homeowners.”Doherty, who is in the process of purchasing her first home, is all too familiar with the homeownership dialogue.“As part of the millennial generation, I know for me it was important to wait to buy. I wanted job security, an income to afford the neighborhood that I wanted to live in, and I was married,” she said. “You’re seeing millennials change careers more often. They’re getting married later in life. They’re starting families later in life. As a result, taking that step toward homeownership is happening later in their personal journeys as well. At Nationstar, we know this process is a journey and tools like our new site and app help ensure we can be with our customers every step of the way.”A Personal TouchMillennials are keen on education. Lenders should take the time to understand what millennials want and offer detailed solutions in order to help them attain their goals. Digital tools are important for day-to-day use. However, contrary to popular belief, most millennials prefer to consult with professionals in person, rather than using technology, when making huge purchasing decisions. Buying a car or a home is a big commitment, and face-to-face meetings engender trust on both sides.Dr. Svenja Gudell, Chief Economist at Zillow, said that as much as millennials enjoy technology, face-to-face interaction is best, especially when dealing with their financial future.“Don’t assume millennials don’t appreciate a personal touch,” Dr. Gudell said. “They are just as likely as other generations to say they would like to meet their lender in person, and only one in 10 said they prefer communicating with lenders by text.”Ed Robinson, President of the Cincinnati-based financial servicer Fifth Third Bancorp, said millennials are in need of guidance when going through the homebuying process, just like any other cohort of homeowners.“When we work with millennials, we find they want much of what all homebuyers want: A guide through the house-buying process and a loan product tailored for them,” Robinson said. “This means listening and understanding what their goals are to learn which type of loan works best. Many millennials, who grew up with customization, come to the bank with the notion that there is only one home loan product: the 30-year loan that their parents had. We help them learn that it’s not the default loan anymore. For each purchase, loan originators look at the buyer’s financial situation and goals, and might suggest a 15- or 20-year loan. It might be better for a millennial to get a 20-year loan now to build equity and then move into something bigger in a few years.”It’s All in the IncentivesOver the past few years, lenders and servicers have developed specific mortgage lending programs that cater to a millennial audience. Fifth Third has been offering the FHA loan to its millennial customers. The introduction of the company’s Down Payment Assistance Program has helped lenders better serve millennials by offering 3 percent of the purchase price in down payment assistance for low-income borrowers, or those purchasing in a designated low-income area and financed through Fifth Third.Similarly, JPMorgan Chase’s new program Agency and DreaMaker allow first-time homebuyers to utilize low-down payment products for only 3 percent down, making homeownership more attainable for millennials.Quicken Loans’ Rocket Mortgage has combined a focus on technology with lending programs retooled to appeal to millennials. They recently burst onto the mortgage scene with advertising campaigns aimed at this demographic. By contrast to Dr. Gudell’s advice to preserve the personal touch, Rocket Mortgage is a technologydriven lender that enables millennials to forgo paperwork. Rocket’s seamless digital lending application process can be completed at any time via mobile device or online—an advantage that directly competes with the limited hours provided by banks and traditional lending institutions.Bill Banfield, VP of Capital Markets at Quicken Loans, is responsible for credit and margin management, product development, and other functions related to capital markets. He said Rocket Mortgage has a strong appeal with first-time homebuyers, and the company has seen an increase in online activity since the implementation of the mortgage program.“While millennials are more likely to use Rocket Mortgage, the product’s user base spans every age group,” Banfield said. “Since we launched Rocket Mortgage a year ago, we’ve seen a strong homebuyer population, with two-thirds of clients who use the product being homebuyers. Of those users, 72 percent are first-time home buyers. This is proof that a completely online and on-demand experience directly appeals to this demographic.”Wells Fargo’s is also getting into the millennial game with its yourFirst Mortgage program, which provides young homebuyers with an educational resource that also aims to make homeownership seem more attainable. In conjunction with Fannie Mae and Self Help, the program allows customers to lower down payments and out-of-pocket costs, work with Home Mortgage Consultants to assist with mortgage decisions, offer additional income and credit guidelines, and expand on their responsible lending history.Some resources are being devised to help mortgage lenders and servicers figure out how best to serve millennials. One such resource is Ellie Mae’s Millennial Tracker, which brings data about the homebuying millennial straight to mortgage lenders and servicers. The monthly tracking tool is designed to give lenders insight into the millennial generation, so they can better address their needs.Assuming AccountabilityThe housing industry remains uncharted territory for many millennials. Facing financial challenges, this generation of Americans is determined to better understand the market before diving in themselves. But they do intend to do that; according to a recent survey by the Demand Institute, 60 percent of respondents expect to become homeowners in the future. Perhaps the way forward is through personal agency. Millennials who resolve to steer their own fate will surely face more success when it comes to buying a home and managing a mortgage. A Harvard Joint Center for Housing Study on Homebuying Trends found that millennials are forced to succeed in an era of low incomes and high rent prices and are more attentive when it comes to credit scores and homeownership.Britney Miller, a 28-year-old sales representative living in Tucson, Arizona, feels that in order to succeed in today’s housing market, she has to take more responsibility for improving her financial situation.“I have to admit, I wasn’t the best when it came to my finances when I was younger,” Miller said. “I didn’t take anything my parents or financial professionals said seriously, and in turn, I saw my finances dwindle before my eyes. It’s taken years for me to rebuild my savings and improve my credit score, which are two factors that matter when applying for mortgages. As I got older, I began to understand the value of financial literacy, and there are so many resources out there to educate yourself about your personal finances and what it means in the long run.”The essential human desire for shelter and sovereignty, expressed as the American Dream, remains even as normal Americans struggle to attain it. Mortgage lenders and servicers who can tap into that desire, and help their customers fulfill it, will prosper.Millennials are certainly not bereft of the desire for Virginia Woolf’s “room of one’s own.”For example, newlyweds Ines and Bruce Lower have always dreamed of being homeowners. After renting two apartments, they’ve made the decision to step into homeownership and are on the search for their perfect home: a three- or four-bedroom property in either Lake Nona or Winter Park/ Maitland, all located in Central Florida. Ultimately, they want a place where they can raise a family.Since starting their journey toward homeownership, they’ve frequented Zillow, The Wall Street Journal, and local news publications like the Orlando Sentinel to stay abreast of market trends. They’ve also sought advice from friends and family who have gone through the homebuying process before.As it turns out, the Central Florida market has been booming recently, with multiple cities boasting higher median home prices and more closing sales, according to the Orlando Regional Realtor Association. And according to Zillow, the median home value in Winter Park has increased more than 13 percent over the last year and is expected to rise another 4.6 percent this year.Though the Lowers have not yet chosen a mortgage lender, they are currently looking at multiple options and have met with various lenders and financial advisers throughout the past few months.They’re an example of millions of American millennials who aspire to become homeowners, falling right in line with the latest National Association of Realtors’ Home Buyer and Seller Generational Trends study. You won’t be surprised: the main reason millennials purchase a home is simply the desire to own their own place. Building The Millennial Buy-In February 20, 2017 899 Views Fifth Third Bancorp Millennial homeownership Nationstar Quicken Loans 2017-02-20 Mirasha Brown
Home Point Financial Announces Executive Team Additions Share February 5, 2018 519 Views in Daily Dose, Headlines, News, Origination Home Point Financial Corporation (Home Point), a national, multi-channel mortgage originator and servicer recently announced that it has named Richard Bradfield as Enterprise CFO (ECFO) and Bill Shuler as CIO. Both will report directly to Willie Newman, Home Point Financial President and CEO.“I’d like to welcome Rich and Bill to the Home Point team,” said Newman. “We are fortunate to have added two leaders with their depth and breadth of experience. They are great additions to our already strong executive group.”Prior to joining Home Point, Bradfield spent more than 25 years at PHH Corporation, most recently in the role of SVP, Head of Originations, Financial Institutions Group. He is an accomplished and seasoned financial executive.Schuler previously served as President of WPS Advisors, LLC, and prior to that, as COO at Genesis Pure. He has nearly twenty years’ experience leading business and information technology divisions.“It’s a tremendous opportunity to join an organization with such potential for significant growth and development,” said Bradfield. Shuler added, “I’m pleased to combine my experience in information technology with the strategic initiatives set forth by our executive team.” home point financial HOUSING mortgage 2018-02-05 Nicole Casperson
Pretium Partners, LLC has announced it has agreed to acquire Selene Holdings LLC from Oaktree Capital Management, L.P. and Ranieri Partners, LLC. Founded in 2012, Pretium Partners is an alternative asset management firm with a focus on real estate, mortgage finance, and corporate credit. The firm seeks to capitalize on investment and lending opportunities arising from the structural changes within the economy, the U.S. housing sector, and the mortgage finance market.“Selene is a best-in-class servicer that adds significant capabilities and expertise to Pretium’s residential credit ecosystem,” said Donald Mullen, Founder, and CEO of Pretium. “We look forward to further investing in Selene’s technology and platform and working closely with management to best serve Pretium’s investors and Selene’s clients.”Selene is the parent company of Selene Finance LP, a major residential mortgage servicing company and one of only two servicers in the U.S. to be a Ginnie Mae single-family master sub-servicer. Based out of Houston, Selene was founded in 2007 and provides service across all 50 states as a special servicer of nonperforming, re-performing, REO, and performing loans. Selene Holdings also includes SelecTitle, a title services company, and New Diligence Advisors, a national third-party diligence and advisory services firm.“Selene has always been focused on providing flexible and creative servicing solutions to our clients,” said Joe Pensabene, President and CEO of Selene. “We’re excited to join with a partner who shares that approach and commitment to the industry, and we look forward to continuing to expand our solutions for the residential credit markets.” While the financial details of the transaction haven’t been disclosed, it is still subject to customary closing conditions and approval by regulators, is expected to close by mid-2019. Throughout the discussions, Sidley Austin LLP acted as legal counsel to Pretium. Houlihan Lokey acted as financial advisor to Selene and Buckley Sandler LLP acted as their counsel. “Pretium is a leader in residential credit,” said Brian Laibow, Managing Director of Oaktree. “They have an institutional culture and a demonstrated history of growing customer-focused businesses. As we have built Selene with our clients, it was very important for Oaktree to partner with someone who shares that vision. We’re pleased to have found that in Pretium.” Pretium Adds Servicing Capabilities With Selene Acquisition buckley sandler houlinan lokey Housing Market Mortgage Industry Mortgages oaktree management pretium partners ranieri partners selene holdings Sidley Austin LLP 2018-10-16 Staff Writer Share October 16, 2018 614 Views in Daily Dose, News
He explained there have been significant investments in avocado orchards in both the north and the mountainous region.”The first shipments started in February, but they ramped up in April,” he said.Exports this year are to be more spaced out, he added. Last year they were heavily concentrated over a short period, contributing to sharp price declines in Europe.New avocado markets for PeruIn addition, Bustamante said Peru is working to develop new markets, like recently-opened Thailand.”To finalize it and to do the first shipments, Thai inspectors will soon visit Peru. We are right now coordinating their visit,” he said.He also highlighted the growth of the Chinese market, saying it has given the industry “many surprises”.”It’s still a small market for avocados because they’re not used to consuming them there,” he said. “However, year by year it is absorbing more fruit with good market conditions.”Peruvian exports to China are almost doubling every year, he explained. The Asian country could one day become one of Peru’s main markets, he added.This season Peru will likely shop 55% of fruit to Europe, 30% to the U.S., 10% to Asia and 5% to Latin America. State of the Market – Week 24, 2019 … Chilean kiwifruit exports to Europe tumble, contin … You might also be interested in Golden Bay Fruit creates “One of a Kind” show … Exports of Peruvian avocados this year have seen much greater volumes in the early stages of the season.ProHass president Daniel Bustamante said this is due to newer orchards in the north coming online and extending the season.The country forecasts exports to fall by 14% from a record 339,000 metric tons (MT) last year to 290,000MT.”Last year was a great production year, both in terms of fruit sizing and fruit volume,” he told FreshFruitPortal.com.”The season was long due to many factors including the record production the climatic conditions that delayed the dry matter development of the fruit.”More early-season productionBustamante said that the front-end season extension this year is a new trend for the industry.”The avocado harvest in Peru is 30% complete. It is a different campaign from previous years because this year and from now on it will have a much longer season,” he said.”Last year, climatic conditions meant that the season was longer. There were shipments until September and October, but that was not normal. The longer season this year is mainly due to this early start, resulting from growth in the early regions in March and April.” May 27 , 2019
Nevada officials reach out to D-backs on potential relocation Top Stories D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ “I think that Bowles had a good interview. [The Cardinals] wouldn’t have a problem going that direction,” Schefter said. “I think they still want to see what is going to happen with some of the Steelers guys, be it Keith Butler or Ray Horton or even Dick Lebeau who dismissed the idea of coaching somewhere else.“I think there is still something there that might have to be explored before the Cardinals make a decision to go with someone like Todd Bowles. That’s my sense of things.”Bowles was said to have impressed in an interview last week and has connections to the Cardinals organization. He coached with Whisenhunt when they were with the New York Jets and he played with offensive line coach Russ Grimm with the Washington Redskins in the 1980s. Schefter also said the Cardinals must address the quarterback position after underwhelming play from Derek Anderson, Max Hall and John Skelton this season. Mentioning Matt Hasselbeck, Carson Palmer, Kevin Kolb, Kyle Orton and Marc Bulger as options, Schefter said the Cardinals need to do something. “They’ve got to come away with one of those guys, period, that’s it,” Schefter said. The Cardinals were rumored to be interested in Bulger last offseason, but ultimately went to camp with Matt Leinart, Anderson, Hall and Skelton. Bulger wound up signing with the Baltimore Ravens, backing up Joe Flacco and ending the season without throwing a pass. Schefter said the Cardinals could sign Bulger as a short-term or bridge solution while drafting a quarterback in the first round, allowing a rookie such as Missouri’s Blaine Gabbert to learn as a backup for a year or two. “But is Blaine Gabbert going to be ready to step in and play next season and lead this team where it wants to go next season or are you willing to go sign a guy like Bulger,” Schefter asked. “The interesting part here is it’s going to be a different deal now this offseason.” 0 Comments Share What an MLB source said about the D-backs’ trade haul for Greinke Cardinals expect improving Murphy to contribute right away ESPN NFL insider Adam Schefter joined Sports 620 KTAR’s Gambo and Ash Friday to discuss the Cardinals defensive coordinator and quarterback search this offseason. Schefter said he believes Miami Dolphins assistant head coach and secondary coach Todd Bowles is a good option for the defensive coordinator position. He also said Cardinals head coach Ken Whisenhunt may wait until after the Super Bowl to make a hire so that he can interview coaches from the Pittsburgh Steelers organization.
The Arizona Cardinals were primarily focused on the offensive side of the football in Saturday’s later rounds — a trend that continued with their final pick (No. 219) in the 2013 NFL Draft.General manager Steve Keim used the the Cardinals’ seventh-round selection on Rutgers tight end D.C. Jefferson.In four years at Rutgers, Jefferson, considered to be primarily a blocking tight end, caught 47 passes for 560 yards and two touchdowns. The 6-foot-6 tight end recorded a career-high 20 catches and 168 receiving yards during his senior season. Comments Share Grace expects Greinke trade to have emotional impact The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Top Stories Derrick Hall satisfied with D-backs’ buying and selling – / 48 D.C. was a nickname Jefferson was given growing up and stands for former NFL quarterback Daunte Culpepper. The new Cardinals tight end was actually a quarterback coming out of high school in Winter Haven, Florida.“When I step on the line as a tight end, I’m a quarterback in mindset,” Jefferson said. “I take control…and it’s do or die every time the ball is snapped.”In addition to his versatility, it seems Jefferson also has a sense of humor. When asked by a member of the media during his conference call if he expected to be drafted, the Rutgers tight end responded confidently.“I expected to be the first player taken in the first round,” said Jefferson. “But, it didn’t work out that way.”Jefferson was briefly hospitalized back in February after suffering a pectoral injury during the bench press portion of the 2013 NFL Combine. Former Cardinals kicker Phil Dawson retires
Former Cardinals kicker Phil Dawson retires “It’s paramount to have depth to keep guys fresh and attacking,” Arians said. “We want to be able to tap-out and put in a guy we trust. I like the rotation of guys we have right now, very multi-dimensional players and it’s a good group.”David Carter, Frostee Rucker, John Abraham and Matt Shaughnessy give the Cardinals strong depth on the defensive line.Abraham, the NFL’s active sacks leader, was signed last week to give the Cardinals a pass rushing option they have not had since Bertrand Berry.“He does it within the structure,” Arians stated on how much freelancing he will give Abraham. “He knows if I got this guy on the up and under, he is going to let his tackle know to contain and he is going to take his shot. “That is the beauty of veteran savvy.”The depth Arians has on the line gives the coach options to move players around and see what they can do in situations they are not familiar with.“A lot of it is experimentation,” Arians stated. “Right now you have to press guys out of their comfort zone to see what they can do.” – / 11 Top Stories The Arizona Cardinals defense will have a bunch of new faces in their starting lineup this season.There could be up to six new starters, five of whom weren’t even on the team last season. The one area of the defense where there is little change is on the defensive line.Calais Campbell, Dan Williams and Darnell Dockett all return to be the projected starters for the 2013 NFL season.Along with the ‘big three’ comes a line with a lot of depth of veterans players that has head coach Bruce Arians excited. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Derrick Hall satisfied with D-backs’ buying and selling Comments Share Grace expects Greinke trade to have emotional impact
Top Stories Former Cardinals kicker Phil Dawson retires But none of that concerns Palmer.“I think we’re excited to go play, regardless of what expectations outside the building may be,” he said. “We expect to stop the run and create turnovers on defense; we expect to be able to run the ball on offense and hit big plays.“I don’t think anybody cares, inside the locker room, what other people are saying or what we’re supposed to be, what we’re not supposed to be.”Palmer added that the team has gone over what is expected of them, offensively, defensively and on special teams.“It’s put up on the board, we talk about it,” he said. “And that’s what we expect. It may be naive, but that’s the way we’re wired.” Comments Share The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo “But we still have a ton of room to grow, and obviously in Week 1 you’re not going to be as good in a new offense as you are in Week 8, 10, 15, 16 and so on.”Palmer finished the preseason completing 23-of-44 passes for 265 yards with two touchdowns and no interceptions. The Cardinals, as a team, averaged just 14.5 points in their four games.But everything will be different Sunday in St. Louis against the Rams. While it’s always nice to get the season started off with a win, running back Rashard Mendenhall said that it’s even more important because this is an intradivision game. “When you talk about the playoffs and you talk about division dominance is what we want to do, it starts for us early on the road,” he said. “Tough place like St. Louis, it’s a W we need to get.”What to expect Sunday — or this entire season, really — is anyone’s guess. At this point, so much is unknown about the Cardinals, as they have a new coach, new quarterback and roster full of new players. However, most are saying any potential improvements will still leave the Cardinals closer to the bottom of the NFC West than the top. Derrick Hall satisfied with D-backs’ buying and selling In 2012, the Arizona Cardinals’ offense held the team back. The belief is that will not be the case in 2013, as quarterback Carson Palmer was brought in to stabilize a position that has been in flux since Kurt Warner retired in January 2010. Now, after an offseason filled with minicamps, OTAs, training camp and preseason games, Palmer says the offense is ready to go.“We’re at a very good point where we’ll be successful, we have a chance to be successful,” Palmer said Wednesday. “Guys have had enough reps, guys have had enough opportunities to see themselves do it on film and have corrections made in meetings. Grace expects Greinke trade to have emotional impact
25) ST. LOUIS RAMS (22): Old adage says football is about running the football (29th) and stopping the run (29th).26) MINNESOTA VIKINGS (25): All those years of a vaunted pass rush has been reduced to 29th in sacks.27) WASHINGTON REDSKINS (27): 15 days for the 32nd-ranked defense giving up 440 yards/game to prepare for Sunday Night at Dallas.28) OAKLAND RAIDERS (28): Pull the upset at Kansas City and things can get interesting…11th-best rush defense will be severely tested.29) PITTSBURGH STEELERS (29): Let this sink in, the master of the zone blitz is 32nd in sacks.30) NEW YORK GIANTS (30): Defense allows nine third down conversions per game.31) TAMPA BAY BUCCANEERS (31): Only two teams average less than 300 yards/game of offense, the last two…after making all of their 2nd half adjustments they’ve scored zero third quarter points in 2013.32) JACKSONVILLE JAGUARS (32): It was only 2007 when this team won a playoff game…worst team QB rating at 55. Top Stories 18) NEW YORK JETS (23): When a reasonably athletic QB has been hit the fourth-most times in the NFL, he’s holding the ball way too long…this hurts.19) HOUSTON TEXANS (16): Only the Josh Freeman-led Bucs and Houston have zero 40-yard pass plays…Schaub has an NFL record four-game pick-6 streak.20) SAN DIEGO CHARGERS (12): Biggest drop in the poll because of how bad Rivers looked…one of only three teams averaging 400 yards/game on offense and giving up 400 yards/game on defense (Denver & Philly).21) CAROLINA PANTHERS (18): When you have a red zone weapon like Cam Newton and you’re only converting 50% of your red zone possessions into TDs, that’s coaching.22) ATLANTA FALCONS (19): Allows 50% of all third downs to be converted…never thought a team with Steven Jackson would average less than 80 yards rushing/game.23) BUFFALO BILLS (24): Hey Miami, want to learn how to raise a young QB? Rush for 153 yards/game.24) PHILADELPHIA EAGLES (26): Cleveland and five other teams run more plays than Chip Kelly…if the Chip Kelly show is about offense, it’s working, but if it’s about winning it won’t (31.8 points/game against). The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo 11) MIAMI DOLPHINS (6): Only five weeks in and opponents already have 26 more 1st downs…would it not help a second-year QB to average more than 70 yards rushing/game?12) GREEN BAY PACKERS (17): Allowing a horrific 83% of all red zone possessions to be TDs…not only is that worst in the league, but it’s 11% away from 31st.13) DETROIT LIONS (8): Have never scored on their opening drive of the game this year.14) DALLAS COWBOYS (15): Whenever Bryant catches two or more TD passes, the Cowboys are 1-7…the irony of the man who called for only 13 rushes saying, “Get the ball to the RB”.15) CHICAGO BEARS (9): The Trestman effect has the offense up to fourth in scoring but the defense is now down to 26th in scoring defense.16) ARIZONA CARDINALS (20): The Carolina game was the first in Arizona Cardinals history where the defense had 3 INTs and 7 sacks…for all the offensive smack talk, you’d think a whole week of preparation would lead to more than 1.4 points/1st quarter (yeah, that’s 32nd).17) CLEVELAND BROWNS (21): Four players have thrown a pass and it’s the punter who is the only one with a QB rating over 83…haven’t been 3-2 in 12 years. Grace expects Greinke trade to have emotional impact Derrick Hall satisfied with D-backs’ buying and selling Former Cardinals kicker Phil Dawson retires 1) NEW ORLEANS SAINTS (3): Why more teams don’t run against their defense, I have no idea (5.4 avg yards/rush against…we are so lucky to get NO @ NE this week.2) DENVER BRONCOS (2): Super Bowl champions never allow 48 points…actually two have, but you get my point.3) KANSAS CITY CHIEFS (5): 1st in sacks, 3rd in INTs, allows only three 3rd down conversions per game and league-leading +10 in T/O ratio…already only team in history to go 5-0 after losing 14 games and now getting three straight home games. 0 Comments Share 4)INDIANAPOLIS COLTS (10): Let’s see how prime-time attention is handled after two huge wins (MNF in San Diego then SNF for Peyton’s return)…how does the Richardson trade look now?5) SEATTLE SEAHAWKS (1): Interesting to be the second-best rushing team in football, yet your QB gets sacked more often than you sack their QB…could be staring at a SIX-game winning streak.6) NEW ENGLAND PATRIOTS (4): Only the Jags are worse at converting red zone possessions to TDs…went from NFL-best 70% last year to 33% this year.7) SAN FRANCISCO 49ERS (11): If it wasn’t for Tampa Bay, this would be the worst passing offense in football…Alex Smith QB rating = 83.7 versus Kaepernick’s 81.9.8) CINCINNATI BENGALS (13): Burfict is only one tackle behind Lance Briggs for most in NFL… fine, Pac-Man’s not guilty, but if he’s really turned his life around, how does he even get arrested?9) BALTIMORE RAVENS (14): Every member of the organization should be held accountable for the atrocious 77.8 yards rushing/game (27th)…all that money for a QB with a 70 rating?10) TENNESSEE TITANS (7): Love the big-play defense with 16 sacks, 6 INTs and 5 recovered fumbles…INDY just went 2-0 versus Seattle and San Fran back-to-back, now it’s Tennessee’s turn.