King of Spain stresses support for 2030 Agenda climate change action at
In a wide-ranging address, he noted that 2016 is the 400th anniversary of the death of Miguel de Cervantes, who had communicated the importance of living alongside others. Developed democracies such as Spain often experienced complicated periods in history, such as economic problems, but overcame them through a firm belief that disputes could be resolved with respect for rules.Indeed, such values of dialogue, commitment, duty and solidarity could turn nations into beacons of freedom throughout the world. The 2015-16 biennium demonstrated that his country shouldered its responsibility, met its commitments and took part in solutions to global challenges. Moreover, Spain is approaching the final stage of its work in the Security Council with transparency, having worked on effective solutions to existing and potential conflicts.King Felipe said Spain has taken initiatives in humanitarian affairs and promoted the role of women in conflict prevention and peacebuilding, while fighting abuses and violations against their freedom and dignity. Spain would further work on the adoption of a resolution to ensure that non-State terrorists could not access weapons, especially those of mass destruction.On the conflict in Syria, he said that the whole region has been destabilized, and neighbouring countries’ generosity in welcoming refugees should be recognized. Also in the region, Iraq is suffering from terrorism by Da’esh [also known as the Islamic State of Iraq and the Levant, or ISIL]. Spain participated in assistance provided by the international coalition and would support Iraq in building a democratic country that is home to people of all ethnic and religious identities.Spain accorded particular attention to Africa and was concerned about conflicts on the continent: in Mali, Somalia and the Central African Republic, where Spain had a special interest. He acknowledged the work of the African Union in maintaining peace.
A cut to the Corps along with the potential scrapping of two amphibious warships is one of a series of possible reductions proposed by service chiefs to hit Treasury savings targets. Former Marine commanders have argued that cutting 1,000 from their current tally of 6,600 would be “utter folly”.Lt Gen Sir Robert Fry last week told MPs that Marines were the “finest infantry in the world” but cutting their strength and “inviting them to fail” would test their loyalty.However the Marines also face internal opposition from within the Navy with some admirals arguing the Corps must sacrifice men to preserve sailors for the overstretched fleet. 
Gavin Williamson, the new Defence Secretary, has said he wants another £2bn a year from the Treasury to stave off cuts, but his relations with the Chancellor have plummeted in an acrimonious Cabinet row. Allies of Philip Hammond have likened Mr Williamson to the naive Dad’s Army character Pte Pike, while the Defence Secretary last week complained the Chancellor had not paid an internal bill for flying on MoD aircraft. The head of the Royal Marines has delayed moving on from the job so he can fight cuts to the elite force, he has told troops.Maj Gen Rob Magowan was told by the head of the Navy to stay in post and keep fighting the Marines’ corner as the Corps goes through a defence review that could see 1,000 men axed.Maj Gen Magowan, Commandant General Royal Marines, has written to the Corps official journal to assure troops he is personally confronting the threat from cuts, with a team of top staff.The Armed Forces face another round of potentially deep cuts as they try to make £20bn of savings over the coming decade in return for new warships, planes and vehicles. At the same time a capability review led by Theresa May’s security adviser is looking at redrawing spending priorities in the wake of terrorist and cyber attacks.Mark Sedwill is understood to believe it is more important to increase funding to fight cyber attacks than bolster the conventional Armed Forces.
Want the best of The Telegraph direct to your email and WhatsApp? Sign up to our free twice-daily Front Page newsletter and new audio briefings. Maj Gen Magowan wrote in the December issue of The Globe & Laurel that he wanted to reassure troops “that I am personally engaged in this review process and we have some our our best people working on it as I write”.Reports of the proposed cuts were “speculation”, he said, but senior naval sources said the decision to keep Maj Gen Magowan in post underlined how seriously the issue was being taken.After 18 months as Commandant General, he is due to leave and be reassigned to a senior job at Navy Command HQ, he said.He wrote: “However, the First Sea Lord has asked me to continue to be Commandant General Royal Marines, despite moving to a new role, to ensure continuity at a time when capabilities are under review.”By staying in post he would ensure that “our voice is being heard within the Navy and in the Ministry of Defence”, he said. The review process had been due to end last month, but has been delayed after Mr Williamson succeeded Sir Michael Fallon. Maj Gen Magowan is now expected to remain as Commandant General until January. Maj Gen Magowan said he would ensure the voice of the Marines was heard.
Mohammad Bin Salman Al Saud WWE Still Moving Forward With Crown Jewel Event In Saudi Arabia Facebook Now Playing Up Next Adam Martin RELATED ARTICLESMORE FROM AUTHOR Jamal Khashoggi WWE star Ruby Riott reveals new tattoos, Daniel Bryan and Brie Bella’s dog passes away Twitter Google+ Wrestler Brie Bella Wants Another Baby Videos Articles WWE has uploaded a teaser trailer (above) for the new “WWE Chronicle” episode focusing on Paige that will premiere later tonight after NXT TakeOver: Phoenix.As reported earlier, the episode will focus on her return to the ring for WWE and then being forced to announce her retirement a short time later.Daniel Bryan reveals health backstage protocolESPN.com is featuring an interview with WWE Champion Daniel Bryan where he reveals he still has to take part in a backstage health protocol after every match.Bryan, who has now had nearly 100 matches since his return to the ring last year at WrestleMania, said he feels good, but WWE has continued the protocol.“It’s still pretty much the same, but we’re working on loosening it up a little bit because our doctors do have to look after other people, right? So it’s like, I go out, I do a match and I’m fine and they’re having to do all these tests with me, so we’re working on loosening that up a little bit. But that’s more of a thing as far as getting everything legally to where we could do that sort of thing.”The article also revealed the process Bryan goes through with doctors backstage.“First, he gets his eyes checked. Next, he goes through a series of balance tests. And in the final step, as we’ve covered, the doctor asks Bryan to solve a math equation — nothing too complicated, but something challenging enough to determine if his brain is functioning properly. The series of tests can be strenuous given that they occur night in and night out, but the WWE isn’t taking any chances with a performer who has suffered 10 documented concussions.”Recommended videosPowered by AnyClipJohn Oliver Takes On The WWEVideo Player is loading.Play VideoPauseUnmuteDuration 0:34/Current Time 0:04Loaded: 100.00%0:04Remaining Time -0:30 FullscreenUp NextThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.Replay the list Videos Articles WWE Royal Rumble Card Update For 2019
Now Playing Up Next Pinterest Now Playing Up Next WhatsApp Smackdown Live Preview: Daniel Bryan still wants an apology, King of the Ring Quarterfinals John Oliver Videos Articles Now Playing Up Next Now Playing Up Next John Oliver Takes On The WWE Daniel Bryan Has Finally Been Cleared To Come Back To The Ring WWE Smackdown Results – 9/3/19 (King of the Ring Quarterfinals, Daniel Bryan apology) 
AUSTIN, Texas — The chairman of a panel considering changes to the U.S. military draft said Monday its recommendations to Congress won’t be influenced by a federal judge’s recent ruling that the current system is unconstitutional because it only applies to men.The military has not drafted anyone into service in more than 40 years, but American men must still register when they turn 18. Recent efforts to make registration also mandatory for women have set off intense debate in Washington.U.S. District Judge Gray Miller declared a male-only draft unconstitutional in his ruling late Friday, but he stopped of ordering the government to make any immediate changes. He said the time for debating “the place of women in the Armed Forces” is over. Women now make up 20 percent of the Air Force, 19 percent of the Navy, 15 percent of the Army and 8.6 percent of the Marines, according to Pentagon figures.The Justice Department declined comment Monday after losing the case out of Houston.The decision comes as Congress awaits a report next year from an 11-member commission to study the issue of selective service. It is chaired by former Nevada Rep. Joe Heck, who personally supports that women also be required to register for the draft.Heck said the ruling won’t influence its report or hurry along the eventual recommendations to Congress. He described a generational divide in public comments his commission has collected about women and the draft.
News Email Classic Hip-Hop Album Covers To Get Marvel Comics Makeover Facebook Twitter Universal Music Group’s Urban Legends is partnering with Marvel Comics to bring fans vinyl covers inspired by some of their favorite superheroes in limited series Jennifer VelezGRAMMYs Oct 23, 2018 – 5:23 pm Some of Universal Music Group’s most legendary hip-hop albums will get a Marvel makeover, in a partnership between Universal Music’s Urban Legends and Marvel Comics that will be released on Dec. 7. The special edition covers will be featured on select classic hip-hop albums’ reissues with collectible options including a double color vinyl collector’s variant cover that replaces the original with Marvel cover art, a statement said. The first three albums to get the Marvel touch will be 50 Cent’s Get Rich Or Die Trying, LL Cool J’s Mama Said Knock You Out and GZA’s Liquid Swords. Iron Man will appear behind a cracked glass on 50 Cent’s album, the Punisher will mimic LLCool J’s stance on his cover and Iron Man fighting Maestro will appear on GZA’s album.Another collectible option will be a Deluxe Variant Cover Collector’s Edition that “will sport the featured album itself housed in a gatefold LP with the variant cover printed directly on the front.” The collector’s edition will also include double color vinyl and a copy of the limited edition comic book that corresponds with the artwork. Each collector’s editions will be limited to 3,000 copies.The album-inspired images first appeared as comic book variants for several of Marvel’s top comic titles in 2015. Now with a partnership with Urban Legends, Universal Music Group’s cross-platform initiative created to curate and celebrate their urban music catalog, the images will appear in albums for super-fans to enjoy.All three rappers currently featured are GRAMMY nominees and two, 50 Cent and LL Cool J are GRAMMY winners. 50 Cent’s Get Rich Or Die Trying was nominated at the 46th GRAMMY Awards for Best Rap Album. LL Cool J’s title track “Mama Said Knock You Out” won Best Rap Solo Performance at the 34th GRAMMY Awards.The albums are now available for pre-order here.Amy Winehouse “State-Of-The-Art” Hologram To Tour The World Read more Classic Hip-Hop Albums To Get Marvel Touch classic-hip-hop-album-covers-get-marvel-comics-makeover
June 4, 2018 832 Views Underwriting is loosening for conventional conforming loans according to CoreLogic’s report on mortgage credit risk trends for the first quarter of 2018 released on Monday. The report also found higher debt-to-income (DTI) ratios during the quarter.Credit scores along with DTI and loan-to-value (LTV) ratios are the three important factors in mortgage underwriting. “Recent credit loosening policies by the GSEs have helped boost higher DTIs and LTVs,” CoreLogic said in its blog on credit risk trends. According to the report, the share of new conventional conforming home purchase loans with DTI ratio over 45 percent rose sharply after Fannie Mae’s announcement to raise DTI ratio level from 45 to 50 percent in July 2017. The share, that had held steady between 5 percent to 7 percent from early 2012 up to Fannie Mae’s announcement, had reached 20 percent in Q1 2018, the report indicated. The average DTI ratio for conventional conforming home-purchase loans rose by two points from Q1 2017 to Q1 2018 to almost 37 percent.“The credit risk attributes of borrowers have shown dramatic variation in the last 18 years,” CoreLogic said. “Recent credit loosening policies by the GSEs have helped boost higher DTIs and LTVs.The report indicated that the share of new conventional conforming home-purchase loans with LTV ratio above 95 percent started to rise in early 2015 after the announcement of changes to DTIs by the GSEs from less than 2 percent in 2014 to 9 percent in the first quarter of 2018. The average LTV ratio for home purchase loans during the quarter remained unchanged at 82 percent on a year-over-year basis.On the other hand, the report said that while both DTI and LTV standards had relaxed, credit score standards had remained unchanged at an average credit score of 755 for homebuyers with conventional conforming home-purchase loans. When compared to the pre-crisis level though, the average credit score was found to be much higher. CoreLogic said that the average credit score of homebuyers was 705 in 2001, but “dramatically rose during the Great Recession and was 755 in Q1 2018.”Another key difference between the credit-risk attributes during the pre-crisis era and the first quarter of 2018 was documentation of the high DTI/LTV loans. “In addition to high credit score standards, those high LTV/DTI loans in Q1 2018 were fully documented and are this different than the pre-crash high LTV/DTI loans, many of which were low- or no-doc loans,” the report said. in Daily Dose, Featured, News, Origination Conforming CoreLogic Credit Risk Credit Scores DTI Fannie Mae Freddie Mac GSEs Home Loan Home-purchase Loan HOUSING loans LTV 2018-06-04 Radhika Ojha
The Changing Rules of Mortgage Underwriting Share
Categories: Chatfield News Representative: Soo Locks play key role in national economyRep. Lee Chatfield speaks on behalf of a resolution he is sponsoring to support the construction of a new lock in Sault Ste. Marie during today’s House Commerce and Trade Committee.State Rep. Lee Chatfield’s resolution supporting the construction of a new lock in Sault Ste. Marie received unanimous, bipartisan support today from the House Commerce and Trade Committee.The resolution supports the construction of a new lock capable of accommodating large modern vessels and urges the president and Congress to fund the project.“Currently, only one lock in Sault Ste. Marie is capable of handling large, modern ships,” said Chatfield of Levering. “Study after study has shown that if that one lock went down for even 30 days, it could have a $160 million impact on our national economy. If that lock were unexpectedly forced to shut down for six months, it would cost 11 million jobs. There is no doubt in my mind that building a new lock is in the best interests of our economy and our national security.”Congress authorized construction at full federal expense of a second large lock at Sault Ste. Marie in 1986, and in 2007. Though the project was authorized and preliminary work conducted, a lack of federal funding has stalled further work, Chatfield said.“This is an instance where the federal government has already acknowledged that there is an issue, and we’re calling on Congress and President Trump to put their money where their mouth is and fix the problem they’ve identified,” Chatfield said.The economic benefits to Michigan, the Great Lakes region and the entire country far outweigh the cost of constructing a new lock, Chatfield said. A 2017 report by the U.S. Department of Treasury estimated that the $626 million investment in a new lock would provide a return of up to four times that amount.“I’m pleased so many of my colleagues recognize what a significant piece of infrastructure the Soo Locks are, not just for northern Michigan, but for our state and national economy as well,” Chatfield said.### 29Mar Panel approves Chatfield’s resolution urging construction of new lock
Rep. Kelly legislation provides clear measurement for student successThe House Education Reform Committee today approved state Rep. Tim Kelly’s legislation to develop an A-F school grading system, providing students, their families and area residents with an easy-to-understand method of measuring a district’s education-based achievements.Kelly’s bill would create an Education Accountability Policy Commission to implement the grading system focused on student proficiency in key subjects, academic growth, advancement of English language learners, graduation rates, participation in state assessments, and student absenteeism.“Michigan has to have a simple, clear and transparent method of sharing each school’s performance,” said Kelly, chair of the committee. “This is the most direct way to see how our schools are doing because everybody knows what a B means for our child’s school on education growth in mathematics or what an F is in graduation rates. We don’t need any more color-coded tables or cumbersome parent dashboards to confuse parents. We need honest and understandable transparency.”Thirteen states already have comparable A-F measurements as part of the requirements set in the federal Every Student Succeeds Act.“We need better governance and accountability in Michigan’s schools,” Kelly said. “If you look at states that have A-F systems, they’re outperforming Michigan. We don’t need one A-F summative grade for each school or a confusing dashboard even though each have its benefits. We need clear measurements of a school’s success and failures. When we’re not accountable, we’re not performing.”House Bill 5526 advances to the House for its consideration.### Categories: Kelly News,News 01Mar Panel approves A-F grading system for Michigan’s schools
26Mar Rep. Schroeder announces winners of district photo contest State Rep. Andrea Schroeder recently announced the winners of her district photo contest. Residents from throughout the 43rd District submitted photos for consideration.The winning photos were submitted by Alexandra Touchstone, Sue Wylie, and Matt Nichols.The three winning photos will hang in Rep. Schroeder’s Lansing office. An official unveiling will be held in April, where the three winning photographers will be invited to join Rep. Schroeder in Lansing.“Our communities in Oakland County have so much to offer. This is an opportunity to showcase the places we live and recognize the truly impressive talent of our neighbors,” Schroeder said. “I’m grateful for everyone who participated and the outstanding quality of the photos.” Categories: Schroeder News,Schroeder Photos Submitted by Sue Wylie
Submitted by Alexandra Touchstone Submitted by Matt Nichols
Share7Tweet1Share12Email20 Shares“Fix the Student Debt Problem” by Joe BruskyJuly 7, 2017; Oregonian and USA TodayOverall, 44 million Americans hold $1.34 trillion in student debt. Few college aid students understand the ramifications of their student loans on their future ability to buy a home or start a family. A student receiving their undergraduate degree in 2016 left owing an average of $37,173 of debt, an increase of 6 percent from the year before and approximately an 85 percent increase in the last ten years. Debt for graduate study and other advanced education has quadrupled since 1989, growing from slightly less than $10,000 to more than $40,000, while debt from bachelor’s degrees increased from $6,000 to $16,000.Student debt is often young adults’ first encounter with large, long-term debt. Many sign the dotted line with little education or understanding of the ramifications. This debt can force these students into specialties or employment opportunities they would not choose if it were not for the extra income. This debt is also a drain on the country’s economy; many believe it’s one reason the growth rate is so low.Clearly, students are struggling to navigate and evaluate financial aid deadlines, applications, and opportunities. The state of Oregon recently passed legislation, to take effect in January 2018, requiring state colleges, universities, trade schools, and other post-secondary programs to provide students with financial aid information that is “straightforward” and “easy to understand,” assisting students in comprehending the amount of debt they are taking on and the amount they will be responsible for once the loan payments begin.Specifically, each year, schools must provide:The total the school is charging in tuition and fees,The total amount of federal education loans the student is assuming,An estimate of the repayment cost, or a range including principal and interest,The anticipated monthly payment, andThe borrowing limit percentage the student has reached on each loan.The law doesn’t apply to privately held loans.Legislators hope this additional information will relieve the growing student loan delinquency rate, which reached 11.2 percent last year. However, awareness of student loan debt is just part of the solution. What we really need is to rethink why students nowadays have to become heavily indebted in order to have a chance at a job that pays a decent wage.—Gayle NelsonShare7Tweet1Share12Email20 Shares
Orange ended 2011 with over five million TV customers.The telco, which offers IPTV and satellite services in France and Poland had a total TV subscriber base of 5.12 million at the end of September, an increase of 24.8% year-on-year.In France, Orange had 4.37 million TV subscribers, up 25%. Poland was home to 636,000 TV customers, up 17%.The company ended 2011 with a total of 226.3 million customers worldwide, up 8%. It posted full year revenues of €45 billion, of which €22.5 billion were generated from its French operations.
Greek telco OTE increased its TV subscriber base by 20% last year, ending December with a total of 59,944 IPTV and DTH customers.OTE launched a satellite TV service in October, building on its IPTV offering. Both services are offered under the OTE TV brand.OTE’s Romanian subsidiary Romtelecom also saw its pay TV base increase, by 12%. The telco, which offers TV services via cable, DTH and IPTV, ended 2011 with 1.18 million TV subscribers. Broadband subscriber numbers were also up 12% to 1.14 million.OTE recorded fourth quarter revenues of €1.3 billion, down 6.3% on 2010 but CEO Michael Tsamaz said revenue decline slowed down or remained stable in all core operations during the three months ending December 31.
The Indian Star channels have launched on the Sunrise TV, the Swiss IPTV service launched by the Sunrise telco earlier this year.Star has launched several channels on the service including Star Plus and Star Gold. Access to the Star Pack will cost Sunrise customers CHF20 per month (€16.64).
Croatian service provider T-Hrvatski Telekom has named Nataša Rapaić as its new chief operating officer for residential business and a member of the board.Rapaić is currently director of operational marketing for residential customers. She will replace Johan Buse, who left the company last year.
Yahoo has acquired Israeli online video streaming company RayV, integrating the business into its cloud platforms and services team.Founded eight years ago, RayV offers a cloud-based TV-over-IP solution, distributing TV Everywhere and OTT video for online and mobile content partners.Describing the buyout as a “pivot” for the firm, RayV said that Yahoo will be a “perfect fit for our people and capabilities, as video and mobile offerings are a central part of Yahoo’s vision.”“Yahoo’s global scale and broad content base, combined with its amazing leadership and appetite for success, creates an ideal environment for our team to thrive and be pushed to the next level.”RayV was established in order to “provide a better video experience for viewers over the internet” and built an end-to-end solution designed to enable high quality streaming.The firm claims to have broadcast hundreds of live channels by “some of the world’s largest content owners” and was previously reported to have raised funding from Facebook investor Accel Partners.Yahoo said that the RayV deal demonstrates its dedication to “accelerating our video strategy” and strengthens its underlying technology infrastructure in this space.“Watching mobile and online video has gone from being a novelty to a daily habit for millions of users. Yahoo is focused on growing video users and monthly streams, and while we’re only getting started, we’re very focused on this in 2014,” said Yahoo in a blog post.RayV’s team will join the Yahoo R&D centre in Tel Aviv. The deal was agreed for undisclosed terms.
TalkTalk’s YouView boxUK pay television provider TalkTalk TV is to offer premium Sky Sports and Sky Movies channels at a significant discounted rate for three months.The telco is offering six Sky Sports channels and 11 Sky Movies for £20 (€25) a month, which will save customers £25 each month.Normally, TalkTalk TV customers can access a Sky Sports Boost package for £30 a month, and a Sky Movies Boost costs £15 on a non-commital month-by-month basis.“Our half price Boost gives customers access to more movies and sport on a flexible basis without the hefty costs,” said TalkTalk’s commercial director, consumer, Olivia Streatfeild.“We believe that TalkTalk homes should be able to dip in and out of channels they love, and that’s why we are giving customers access to our Sky Movies and Sky Sports Boost at better than half price.”
Liberty Global-owned cable operator UPC Czech Republic is adding a quartet of new channels to its line-up.The cable operator is adding MTV Live HD, Nickelodeon HD, Ocko Express HD and Comedy Central to its channel line-up.Nickelodeon HD is the first HD kids channel on the platform, broadcasting in English and Czech. Czech music channel Ocko Express and MTV Live HD add to the operator’s music line-up, while Comedy Central will bring new US content to UPC subscribers with Czech subtitles.