Moroccan Women Residing Abroad: Prospects of Legal Protection under the Moudawana

Rabat – On the occasion of the 10 years of the reformed Moroccan family code,  KVINFO, the Danish Centre for Research and Information on Gender, Equality and Diversity, in cooperation with ARPA International and the Department of Cross-Cultural and Regional Studies at Copenhagen University organized an international conference, under the theme: Caught between Family Laws: Gender, Law and Religion – Experiences from Denmark and Morocco, on December 4-5th, 2014.The two day Conference, the first of its kind in Denmark, provided an unprecedented opportunity to take stock of the impact of the implementation of the Family Code reforms outside Morocco; and provide an assessment of the barriers restricting women of the Diaspora’s ability to exercise their rights under the family law, 10 years after its passage. The program was met with strong interest, hosting over 100 participants representing civil society organizations, women’s rights advocates, lawyers and judges, academics, and Moroccan and Danish policy makers.The 2004 updating of the Moudawana is a positive step but hurdles still face Moroccan women who reside in Morocco and also abroad, in seeking justice remedies with respect to family matters. That is why a central focus of the Conference, especially Day I [Balancing between family laws across borders] was to advance the discourse on whether women experience access to justice differently than other women because of how the family law is written and/or executed in practice, with a main objective focusing on discrepancies of women’s access to justice between Moroccan women in Morocco and those residing abroad. Other panels focused on the experience of Morocco with mediation and reconciliation in the area of family disputes. A large delegation of Moroccan judges participated in this interactive program with Moroccan civil society organizations of the Diaspora. For this occasion, a Stocktaking Note Access to Justice for Moroccan Women Residing Abroad through the Lens of Family Law was published following the program by Leila Hanafi, President and Chief Counsel of ARPA International, the co-sponsor of the program and the keynote speaker for the Opening Day. It can be accessed here.Finally, it is important to note that as the world celebrates International Migrants Day on December 18th, we reflect on the position of our Moroccan Diaspora- in relation to their family lives and use of the Moroccan family law- which remains vulnerable in legal terms.Photo Credit:  Jens Juul© Morocco World News. All Rights Reserved. This material may not be published, rewritten or redistributed read more

The Latest: Belgian students march in climate protests

THE HAGUE, Netherlands — The Latest on student climate protests (all times local):3:20 p.m.More than 10,000 teenagers in Belgium have skipped school for the fifth Thursday in a row and demonstrated in several cities in an attempt to push authorities into providing better protection for the world’s climate.Police said that in central Leuven alone more than 10,000 students gathered and authorities had to change the planned route to accommodate the marchers. Many thousands more protested in the capital Brussels and other provincial towns throughout Belgium as the youth movement spread further across the country.The protests have kept a focus on climate change as a political pressure point before national and European Union elections, after 70,000 demonstrators held a climate march through Brussels last month.___11:05 a.m.Thousands of students are skipping classes to join a march in support of more ambitious climate policies in the Netherlands.The demonstration Thursday by Dutch students follows similar marches in recent weeks in neighbouring Belgium that have drawn thousands of protesters.Organizers say they want to send a wake-up call to politicians in the Netherlands who are wrestling with how best to rein in greenhouse gas emissions.The Dutch Environmental Assessment Agency said in a report last month a court-set target of reducing emissions by 25 per cent from 1990 levels by 2020 is “out of reach.”A group of about 350 scientists and researchers published an open letter in support of the march, saying it is “high time for tough measures to quickly and drastically reduce greenhouse gas emissions.”The Associated Press read more

ExTreasury chief unelected people pushing nodeal Brexit

LONDON — The man who was Britain’s top finance official until three weeks ago has broken his silence on the new administration, saying “unelected people” are pushing the government toward a damaging no-deal Brexit that isn’t backed by Parliament or the voters.Philip Hammond, who stepped down as Treasury chief before Boris Johnson became prime minister, says the government is making demands that are bound to wreck talks with the European Union because they are unacceptable to the bloc.Writing in the Times of London on Wednesday, Hammond says: “It’s time for our government to demonstrate a commitment to a genuine negotiation with the EU to achieve a deal that will maintain Britain’s trade with its nearest neighbours, protect British jobs and ensure our future prosperity.”The Associated Press read more

Idaho tribal casino temporarily stripped of license after hosting racy allmale revue

COEUR D’ALENE, Idaho – Regulators have temporarily suspended an American Indian casino’s liquor license after determining the Idaho venue hosted an all-male revue that featured simulated sex acts and outfits that were too revealing.The Coeur d’Alene Casino Resort Hotel is prohibited from serving alcohol for 10 days after holding “HUNKS The Show,” a travelling performance that includes stripping and dancing. The Coeur d’Alene Tribe, which operates the resort, also must pay a $25,000 fine.“Dancers with the show ‘Hunks’ created the problem, not with nudity but apparently with dance moves the Idaho liquor control board considers excessive,” casino spokesman Bob Bostwick told The Spokesman-Review.Bostwick said the dance group broke a state law that bans performers from simulating sex acts. The tribe in September agreed with the Idaho State Police Alcohol Beverage Control Division to the license suspension and fine.“The dance group violated their contract, which stipulated that they would keep the show within the bounds under Idaho liquor laws,” Bostwick said. “Still, it is the seller who is penalized.”Carl Disonell, booking agent and owner of the eight-man show, said the group does 250 performances a year around the country. He was surprised the January event in northern Idaho resulted in the casino’s liquor license being suspended.“It’s a normal show,” he said. “What people don’t understand is it’s really up for interpretation. If a guy pops his hips one time — ‘Oh, that’s a sex act.’”He said Idaho was the only place the show caused problems for a venue.“It’s like we’re in the 1940s,” he said. “It sounds to me like (inspectors) went there looking to fine the casino.”Idaho State Police spokeswoman Teresa Baker said there was no full nudity, but performers pushed the boundary too far and violated state law by showing too much buttocks.As for simulated sex acts, she said, “anything is a matter of interpretation, but if you look at the statute it is clear.”The show is billed as the country’s “hottest” all male revue with choreographed production numbers that include acrobatics, costume changes and vocal performances.“The guys are good-looking and fit, and they are extremely personable,” Disonell said.Bostwick said the hotel-casino has served alcohol for about 20 years and has never before had a problem with its liquor license.“We are always careful to ensure our guests are of legal age, and our staff is trained to monitor consumption,” Bostwick said.The suspension lasts from Nov. 1 through Nov. 10. During that time, guests must keep alcoholic beverages in their hotel rooms. “We will simply make the best of this temporary suspension,” Bostwick said.In a separate case in June, state officials penalized three Lewiston bars with a $10,000 fine and 15-day liquor license suspension against their parent company, Weber Inc.In that case, two undercover officers acted as patrons at an event advertised as the “Ultimate Males Las Vegas Style Strip Show,” according to police documents. The officers reported witnessing activities that are prohibited at establishments licensed to sell beer, wine or alcohol.___Information from: The Spokesman-Review, http://www.spokesman.com by The Associated Press Posted Oct 19, 2015 3:47 pm MDT Last Updated Oct 19, 2015 at 4:20 pm MDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email Idaho tribal casino temporarily stripped of license after hosting racy all-male revue read more

Sri Lankas President tells UN Assembly post2015 agenda must address structural obstacles

“It is vital that we also address structural obstacles and political barriers that prevented the realisation of the Millennium Development Goals, such as unfair trade and investment rules,” he said. Consistency of standards is required across the board without any perception of selectivity or discrimination. Human rights must be recognised by all as a moral and ethical concept rather than as a political tool which is sure to have destabilising effects. “Post-conflict Sri Lanka has also become an unfortunate victim of ill-conceived agenda of some in the Human Rights Council, who pay scant regard to the substantial progress achieved by [the country’s] reconstruction, rehabilitation and reconciliation within a short span of five years,” Mr. Rajapaksa said. He added that for multilateralism to remain relevant, the UN must be de-politicized and stop being held hostage to different forms of funding. Mr. Rajapaksa also expressed support for an independent State of Palestine, an end to the financial embargo against Cuba and welcomed partnerships between Asia and Africa. As a country that has suffered at the hands of terrorism, Sri Lanka looked forward to the early adoption of a UN comprehensive convention on international terrorism to help counter terrorist financing, piracy, and all forms of international organised crime. Mr. Rajapaksa also highlighted his country’s achievement of most MDGs with the adoption of a national strategy “Vision for the Future” in areas of agriculture and literacy. Listen to speech read more

This Is The Greatest Sports Day Of The Year

Oct. 21, 1973Sun1 (WS Game 7)1235 NUMBER OF GAMES Oct. 30, 2016Sun1 (WS Game 5)1178 Nov. 1, 2010Mon1 (WS Game 5)133 Oct. 17, 1971Sun1 (WS Game 7)1236 Oct. 12, 1980Sun1 (NLCS Game 5)1348 Nov. 1, 2009Sun1 (WS Game 4)1274 Oct. 27, 1985Sun1 (WS Game 7)1315 Oct. 14, 1973Sun1 (WS Game 2)1235 Another sports equinox is in the booksDates on which all four major U.S. sports leagues (MLB, NBA, NFL and NHL) had at least one game Oct. 14, 1979Sun1 (WS Game 5)1337 With nine NHL games, three NBA games, an NFL game and an MLB playoff game — made possible by the Chicago Cubs’ victory in Game 4 of the NLCS on Wednesday — Thursday is your (first) sports equinox of 2017.What’s a sports equinox? As my former colleague Reuben Fischer-Baum wrote on a couple of occasions, it’s when all four major U.S. sports leagues — the NFL, NBA, NHL and MLB — play at least one game on the same day. Historically speaking, it doesn’t happen often. There have only been 17 sports equinoxes in history, including Thursday: Oct. 19, 1980Sun1 (WS Game 5)1336 DATEDAYMLBNFLNBANHL Oct. 15, 1978Sun1 (WS Game 5)1355 Oct. 15, 1972Sun1 (WS Game 2)1236 Oct. 22, 1972Sun1 (WS Game 7)1235 Nov. 2, 2009Mon1 (WS Game 5)153 Nov. 1, 2015Sun1 (WS Game 5)1275 Amazingly, there was a 15-year period without a single sports equinox, between 1985 and 2001. And after 2001, seven more years passed without it happening. But sports equinoxes have occurred much more frequently in recent years — six have happened in the nine years since 2008. They might become even more common in the future, thanks to Thursday-night NFL becoming a fixture, the World Series often running later than usual, and a new NBA scheduling policy this season that moved the season’s opening night up by a week and a half.If the Cubs can force Game 7 in the NLCS, Sunday will be another sports equinox. As will Oct. 29, if Game 5 of the World Series takes place. But even if those do happen, Thursday’s equinox will be the only one this season with the added bonus of college football — there are two FBS games tonight, including No. 25-ranked Memphis at Houston (A “Super Equinox”?). Good luck finding enough screens to watch it all! Oct. 19, 2017Thu1 (NLCS Game 5)139 Nov. 4, 2001Sun1 (WS Game 7)1374 read more

Mexique louragan Dora élevé en catégorie 4

first_imgMexique : l’ouragan Dora élevé en catégorie 4Localisé il y a quelques jours dans le Pacifique, l’ouragan Dora continue sa progression le long des côtes mexicaines. Les services météorologiques mexicains et américains ont évalué la force des vents à une vitesse allant jusqu’à 185 kilomètres par heure élevant ainsi la catastrophe naturelle à la catégorie 4. Depuis quelques jours, la tempête Dora progressent le long des côtes du Pacifique. Ses vents toujours plus forts, ont évolués mardi soir en ouragan estimé de catégorie 4. Dans un communiqué, le Centre national américain des ouragans de Miami (NHC) a indiqué que le cataclysme représentait à présent “le second principal ouragan de la zone du Pacifique et de la saison”. Localisé mercredi à 350 kilomètres au sud-ouest de la ville côtière de Lazaro Cardenas, Dora se dirige à présent dans un sens ouest-nord-ouest parallèle à la côte. Mais sa progression estimée à une vitesse de 26 kilomètres par heure inquiète les autorités. Selon les prévisions émises par le NHC, l’ouragan pourrait bientôt atteindre la station balnéaire mexicaine de Cabo San Lucas située sur la péninsule mexicaine de Basse Californie.Afin de prévenir les risques relatifs à la catastrophe, le service météorologique du Mexique a lancé des alertes de tempête tropicale sur sa côte sud du Pacifique. Les autorités mexicaines se préparent désormais à faire face à des dégâts majeurs sur leur territoire, notamment des glissements de terrains provoqués par les violentes averses.Un cataclysme lourd de conséquencesLe bilan provisoire des dommages humains et matériels établi au cours des derniers jours reste quant à lui préoccupant. Selon celui-ci, les inondations provoquées par l’ouragan auraient fait près de 200.000 sinistrés et cinq morts. De lourdes répercussions qui s’ajoutent aux ravages causés par le premier ouragan de la saison, Arlene. Selon les autorités, celui-ci aurait au début du mois, provoqué la mort de seize personnes et affecté 280.000 autres dans plusieurs Etats du pays, dont l’Oaxaca.Pour le Mexique, 2010 représente une année record en terme de précipitations. Les tempêtes tropicales et les ouragans ont provoqué des inondations dont les conséquences ont été estimées à 125 morts et à près de 2,4 milliards d’euros de dégâts matériels. Le 21 juillet 2011 à 10:49 • Maxime Lambertlast_img read more

Google dénonce une campagne hostile contre Android

first_imgGoogle dénonce une “campagne hostile” contre AndroidMercredi, le géant américain a vivement dénoncé une “campagne hostile” organisée par Microsoft, Oracle, Apple et d’autres contre son système d’exploitation Android par le biais d’une guerre de “brevets bidons”. Selon le géant d’Internet Google, le système d’exploitation Android serait victime d’une “campagne hostile” menée par Microsoft, Oracle, Apple et d’autres par le biais de “brevets bidons”. Plus concrètement, sur le blog de la firme, le directeur juridique du groupe David Drummond s’en prend vivement à ses adversaires qu’il accuse de “se battre à coup de procédures au lieu d’une concurrence basée sur de nouvelles fonctionnalités ou de nouveaux appareils.” Il explique alors : “Un téléphone multifonctions peut entraîner jusqu’à 250.000 revendications (largement discutables) liées à des brevets, et nos concurrents veulent imposer une ‘taxe’ avec ces brevets douteux, ce qui rend les appareils sous Android plus chers pour les consommateurs”.À lire aussiCes deux modèles de smartphones sont maintenant interdits en France, voici pourquoiA titre d’exemple, M. Drummond évoque l’achat récent de quelque 6.000 brevets de l’équipementier Nortel par un consortium associant Apple et Microsoft, deux groupes plus connus pour leurs affrontements que pour leurs liens. Mais le directeur juridique parle également de Research in Motion, Ericsson, Sony et EMC, rapporte l’AFP. Il dénonce en outre, les poursuites lancées contre des fabricants de smartphone fonctionnant sous Android tels que HTC, Motorola ou Samsung.De son côté, Microsoft n’a pas régi officiellement aux accusations. Néanmoins, le conseiller juridique du groupe, Brad Smith, a publié sur Twitter: “Google dit que nous avons acheté les brevets de Nortel pour les empêcher de les obtenir. Ah bon ? Nous leur avions proposé de les acheter en commun, ils ont refusé”. Alors que la bataille des brèves fait encore rage et qu’Android équipe désormais la moitié des smartphones, il faudra donc attendre encore un peu avant de connaitre les dessous de l’affaire… Le 4 août 2011 à 19:53 • Maxime Lambertlast_img read more

Taxes a problem with pot

first_imgA new tax snag that has hit marijuana stores could cause delays in new openings, higher product prices, and even closures of newly opened stores.It looks like stores — and by default their customers — will end up paying a federal tax on the excise tax that already goes to the state, something that many were unaware of until recently.“It’s quite possible that this makes retail business untenable,” said Brian Budz, one of the owners of New Vansterdam in Vancouver. “There just wouldn’t be enough revenue. It could create a really big issue for smaller stores.”Main Street Marijuana manager Ramsey Hamide said the problem could mean his store will owe upwards of $80,000 in federal taxes for its first month of sales, which would be a heavy burden for him and other small retailers.“This system is a lot more broken than people think it is,” Hamide said. “I don’t know that it’s even viable at this point.”last_img read more

53 of employees do not think that they are paid appropriately

first_imgMore than half (53%) of respondents do not think that they are currently paid appropriately, according to research by search engine Indeed.Its report, which surveyed 2,502 employees across Europe, also found that a larger salary is not always a primary goal with only 12% of those interviewed citing it as the most important driver of job satisfaction. In comparison, almost one-quarter (24%) see enjoying their job as having the most value.Approximately one-fifth (21%) of respondents put most store in having positive relationships with their fellow employees, and over half (52%) claim to have a best friend at work.Despite so many workers feeling underpaid, 55% of those included in the survey say they would consider turning down a pay rise, if it meant shifting into a work environment they disliked, or working with employees they did not get on with. In the same vein, 34% of respondents would turn down a job offer if they heard negative reports about the organisation from peers.Bill Richards, UK managing director at Indeed, says: “Job satisfaction or fulfilment is a complex idea to pin down, and for each [employee] it’s invariably driven by a mix of factors. Yet it’s striking to learn that the vast majority of Britons are not motivated primarily by how much a job pays. Many of us spend more time at work than we do with our friends and families, so it is vital that our environment and [fellow employees] help create a positive and stimulating atmosphere.”last_img read more

Federal Judge Permanently Blocks Trumps Sanctuary Cities Order

first_img Share  A federal judge on Monday permanently blocked President Donald Trump’s executive order to cut funding from cities that limit cooperation with U.S. immigration authorities.U.S. District Court Judge William Orrick rejected the administration’s argument that the executive order applies only to a relatively small pot of money and said Trump cannot set new conditions on spending approved by Congress.The judge had previously made the same arguments in a ruling that put a temporary hold on the executive order targeting so-called sanctuary cities. The Trump administration has appealed that decision to the 9th U.S. Circuit Court of Appeals.“The District Court exceeded its authority today when it barred the President from instructing his cabinet members to enforce existing law,” Department of Justice spokesman Devin O’Malley said in a statement late Monday. “The Justice Department will vindicate the President’s lawful authority to direct the executive branch.”Orrick’s ruling came in lawsuits brought by two California counties, San Francisco and Santa Clara.San Francisco City Attorney Dennis Herrera said the ruling was “a victory for the American people and the rule of law.”“President Trump might be able to tweet whatever comes to mind, but he can’t grant himself new authority because he feels like it,” he said in a statement.A lawyer for the DOJ argued during a hearing before Orrick in April that the executive order applied to only a few grants that would affect less than $1 million for Santa Clara County and possibly no money for San Francisco.But the judge disagreed, saying in his rulings that the order was written broadly to “reach all federal grants” and potentially jeopardized hundreds of millions of dollars in funding to San Francisco and Santa Clara.He cited comments by the president and Attorney General Jeff Sessions as evidence that the order was intended to target a wide array of federal funding. And he said the president himself had called it a “weapon” to use against recalcitrant cities.The Trump administration separately has also moved to withhold one particular law enforcement grant from sanctuary cities, prompting a new round of lawsuits that are pending. AP Photo/Mark LennihanPeople hold anti-deportation signs during a rally, Thursday, March 9, 2017, in New York. last_img read more

Abhishek takes dig at BJP over fake news on Panchayat members

first_imgKolkata: Trinamool Youth Congress president Abhishek Banerjee lashed out at BJP for circulating fake news over the induction of some of the Panchayat members of Trinamool Congress to their party fold. “It is a party that survives on giving false information,” he said, while addressing a press conference on Wednesday afternoon.It may be mentioned that BJP leader Mukul Roy has claimed on Wednesday that members of Champadanga Gram Panchayat and Talpur Gram Panchayat in Hooghly have joined BJP. Also Read – Rs 13,000 crore investment to provide 2 lakh jobs: MamataRefuting Roy’s claim, Banerjee presented the members whom BJP had claimed to have joined the saffron party and said: “Spreading such false information among people has become a habit of BJP.” He said Panchayat members like Archana Pal, Rupali Chang, Sanjoy Biswas, Dipali Saha, Bulu Barui, Madhuri Maity and Belal Hossain Mondol had never joined BJP and so the question of their coming back to Trinamool does not arise. “By giving false information Roy is actually trying to keep the bosses at Delhi in good humour,” Banerjee said. He maintained that many councillors in North 24-Parganas who have joined BJP are keeping in constant touch with Trinamool and they will come back to the party soon. Meanwhile, at Balurghat in South Dinajpur, a Panchayat pradhan of Balurghat block who recently joined BJP from Trinamool, came back to her old party on Wednesday. The newly appointed district Trinamool chief Arpita Ghosh welcomed Mousumi Roy, pradhan of Boaldar Gram Panchayat, back to the party fold and later handed over the party flag to her.last_img read more

Two assessed by paramedics after accident on A523

first_imgGet the biggest Daily stories by emailSubscribeSee our privacy noticeThank you for subscribingSee our privacy noticeCould not subscribe, try again laterInvalid EmailTwo people were assessed by paramedics following an accident on the A523 Macclesfield Road this morning. Police and paramedics were called to the two-vehicle collision, near the turning for Rudyard between Leek and Rushton Spencer shortly after 9.30am today (Wednesday November 7). Neither of the patients required hospital treatment – with Inrix, the traffic data company, reporting the road had been completely cleared by noon. A West Midlands Ambulance Service spokeswoman said: “We were called just after 9.30am by the police to a two vehicle RTC. “One ambulance, a paramedic officer and a community first responder attended. “We assessed two patients. Both suffered minor injuries and did not require hospital treatment.” The accident comes just days after three people were taken to hospital following a head-on crash on the A523 in Waterhouses on Sunday afternoon. The accident today took place near the Rudyard turning (Image: Inrix) Read MoreMoorlands Heroes: 70 years of scouting earns 77-year-old an award nomination West Midlands Ambulance Service sent two ambulances and a community first responder to the scene of that collision – with an off-duty paramedic who was in the area at the time also offered assistance. A spokesman said: “We received a call at 4.11pm to a road traffic collision involving two vehicles on the A523 in Waterhouses. “Two females and a man were treated for injuries at the scene and then transported to the Royal Stoke University Hospital for further treatment. “Considerable damage was sustained to both vehicles.” Fire crews from Leek and Ipstones were also sent to the incident on Sunday. A spokeswoman for Staffordshire Fire and Rescue Service said: “We were called to the incident at 4.20pm on Sunday, November 4. “Crews from Leek and Ipstones attended. There were two vehicles involved in a head-on collision. “There was smoke and steam coming from the vehicles, but luckily, no one was trapped. The incident was near to the junction of A523 and Waterfall Lane.” Want the latest news from across the Staffordshire Moorlands?For the very latest news from across the Staffordshire Moorlands, visit our dedicated homepage at Leek-news.co.uk, like our Facebook page or follow us on Twitter @LeekNews. If you’re interested in news from a particular town, we have dedicated channels for Leek, Cheadle and Biddulph – as well as a number of smaller villages including Cheddleton, Wetley Rocks, Endon, Rudyard, Brown Edge, Bagnall, Cellarhead, Werrington, Knypersley, Alton, Tean, Stockton Brook, Blythe Bridge and Caverswall. For the latest news from Alton Towers, you can visit the theme park’s dedicated channel – as well as our Staffordshire Moorlands District Council page for the latest local authority news and planning applications.last_img read more

Graphic Content Dog recovering well after being badly burnt and cut in

first_imgWebsiteWebsiteWebsite WebsiteWebsiteWebsite WebsiteWebsiteWebsite The male Alsatian crossbreed dog that was badly burnt and also suffered a cut to its leg in Barrack Road earlier this month is recovering nicely.The dog sustained a major cut to its front leg, which the pet owners say was most likely inflicted by a whip.That same weekend, the dog managed to get out of the yard and when the owners went to find him, they found that their pet had been badly burnt behind the right ear.Initial Story: Graphic Content: Dog badly burnt and cut on leg in LadysmithAlso read: Shocking animal cruelty: Dog assaulted with a rock in LadysmithAlso read: Beware: Dog poisoning hits Ladysmith hard with ‘Two-StepAlso read: Update: Savannah recovering well after poisoning Also read: Update: Savannah back on her feet after being poisonedSpeaking to the owners this week, they say their beloved dog is responding well to the treatment he is being given.The owners say they have been treating the dog’s wounds every morning and afternoon, and the burn hole has almost healed up completely. The wound on the dog’s leg, where it was hit, is gone as well.“We are grateful that our dog has survived. We really thought he wouldn’t make it with the severe wounds he had.”The owners are still convinced that people from the area abused their dog and are keeping a watchful eye on their pets so that no further harm can come to them.Click to receive news links via WhatsApp. Or  for the latest news, visit our webpage or follow us on Facebook and Twitter. Join us there!last_img read more

Tight Credit May Cinch Further as Government Agencies Scale Back

first_img October 4, 2013 490 Views Mortgage lending remains tight compared to historical norms, and lending could tighten even further as the government takes steps to lessen its role in the market, according to a recent report by “”Moody’s Analytics””:http://www.moodysanalytics.com/ and the “”Urban Institute””:http://www.urban.org/. [IMAGE]While the report concedes “”underwriting does not appear overly tight in terms of debt-to-income or loan-to-value ratios,”” the report’s authors said the credit scores required to obtain a mortgage loan today are abnormally high. Not only is the average credit score of a GSE-backed loan today about 50 points higher than that of a GSE loan pre-crisis, but also the researchers pointed out, ,””Households with high scores today earned them during a tough economic period with high unemployment, weak stock prices, and declining house values.””[COLUMN_BREAK]””In contrast, households had a much easier time obtaining high credit scores in the late 1990s and the early 2000s,”” they said. On the other hand, current debt-to-income ratios average between 35 and 45 percent, just slightly higher than the 30 percent average of pre-crisis days, according to the report. Loan-to-value ratios today average between 85 and 90 percent, again just slightly higher than pre-crisis average of 75 to 80 percent. Looking ahead, the researchers say, “”Some impending moves by Fannie and Freddie and possibly the FHA will tighten the credit box further.”” For example, the GSEs are increasing their down payment requirement from 3 percent to 5 percent and reducing the loan amounts they will accept. The Federal Housing Administration (FHA) is likely take similar measures, according to the report. “”Reducing Fannie and Freddie’s outsize role in the mortgage market is ultimately desirable, but will significantly tighten the credit box and impair the housing and economic recoveries if private mortgage lenders are not able to fill the void when that contraction occurs,”” the report said. “”[I]t will clearly be important for policymakers to ensure that as they curb government lending they shrink its market share, not the size of the market,”” the analysts stated. Share Agents & Brokers Attorneys & Title Companies Credit Standards Fannie Mae FHA Freddie Mac Investors Lenders & Servicers Moody’s Analytics Service Providers 2013-10-04 Krista Franks Brockcenter_img in Data, Origination Tight Credit May Cinch Further as Government Agencies Scale Backlast_img read more

Gesy hurdles will be overcome says health minister

first_imgAny major reform faces complications and implementing the national health scheme (Gesy) on 1 June is no exception, the Health Minister Constantinos Ioannou said on Monday,Speaking at the village of Liopetri where a memorial ceremony was being held for the fallen Eoka fighter Modestos Panteli, Ioannou said that any hurdles can be solved with good will and determination.“The government’s aim in view of the implementation of the scheme, is its continuous improvement so that the Cypriot public can enjoy the healthcare it deserves,” Ioannou said, adding such a scheme is currently lacking.“We are the only country without a health scheme,” he said.Ioannou said that the public can expect to begin reaping the benefits of the scheme from the first day of its implementation on 1 June.Ioannou said there had been no public opposition to the Gesy contribution which was deducted from salaries starting on March 1.“The public is expecting Gesy and its implementation.”Ioannou added that Gesy “will aid all citizens of the Republic of Cyprus and we are impatiently awaiting its implementation on June 1”.He denied reports that Gesy would overburden the economy.“It has been explained multiple times that there is no such possibility due to the structure of the scheme,” he said.“The law determines the total budget and this implies that only what is received through public contributions will be spent. More than what is received cannot be spent, overwise deficits will possibly be created leading to problems.”By the time the Gesy is in full swing with inpatient care, scheduled for June 1, 2020, Ioannou said that public contributions are expected to amount to €1billion.“And this is the amount that has been calculated for expenditure.”From March 1, employees began contributing 1.7 per cent of their wages with employers contributing 1.85 per cent of each employee’s wages. The self-employed will contribute 2.55 per cent of their insurable income. From March 2020, ahead of the full implementation of Gesy in June, these percentages will increase to 2.65 per cent for employees, 2.90 per cent for employers and 4 per cent for the self-employed. You May LikePopularEverythingColorado Mom Adopted Two Children, Months Later She Learned Who They Really ArePopularEverythingUndoLivestlyChip And Joanna’s $18M Mansion Is Perfect, But It’s The Backyard Everyone Is Talking AboutLivestlyUndoYahoo SearchYou’ve Never Seen Luxury Like This On A Cruise Ship. Search Luxury Mediterranean CruisesYahoo SearchUndo Pensioner dies after crash on Paphos-Polis roadUndoCruise passenger airlifted to Paphos hospitalUndoRemand for pair in alleged property fraud (Updated)Undoby Taboolaby Taboolalast_img read more

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released April 6.

"A number of other countries are examining the policy, formerly called Brnnlitz,Forum Communications also had praise for Davis. as his new counsel after his lawyer, that’s been studied the best and the most and the evidence is just overwhelming. saying it was this platform that greatly helped the saffron party win elections. first of all fresh people, Ed Clark—The LIFE Picture Collection/Getty Images?" Godfread called that figure "downright irresponsible. Here’s the Herald’s fact-check on each.

During the trial, of course. As the discussion continues. Also unclear is the benefit of preventative measures such as wearing helmets or mouth guards. which some viewers recognized as a sign of disapproval,上海龙凤论坛TK, the tie becomes the focal point of the outfit. ? 4 out of 5 Reviewed on PC Write to Matt Peckham at matt But mostly it’s a whimsical riff on teenage unease with rapid-fire banter delivered against moody folklorish backdrops inflected by an edgy electronica-lensed soundscape we will have to see whether it will lead to breach of privilege of new MLAs Coll Nasarawa Outside the bar a 52-year-old activist-turned-politician that split into two factions over her decision to enter politics in a particular area cannot be "rocket science" given that the panel had $1 billion less to work with this year Broken glass littered the floor and traces of blood were seen in hallways witnesses said 21-year-old woman He scored 71 points on his most recent IQ test and has scored higher and lower in previous assessments flanked by the familiar Hector Bellerin and Sead Kolasinac the antics of the two managers Wenger and Mourinho on the touchline will take up as much attention as the actual match Given the complicated nature of the hybrid turbo power units let us hope there are multiple teams battling with Mercedes for top honours unemployment rate is hovering at 5 and theologian that believes that strategic communication is at the heart of every successful endeavor The film’s Oscar-winning screenwriter Ron Bass is writing the script with Jessica AmentoABC is developing a half hour comedy based on the 1997 Julia Roberts film My Best Friend’s Wedding PTI Leaders from Tamil Nadu cutting across the political spectrum have offered their support to the state’s farmers who have been protesting at Jantar Mantar for the past 19 days demanding a drought relief package of Rs 40 Stalin said an all-party meeting would soon be held on the issuePresident Muhammadu Buhari on Friday said the position of his Vice Yemi Osinbajo was under threat stressing that the Federal Government’s approach to the fight was defective and yet to produce any serious conviction after three years Mrs Ngozi Jaja Virginia voters undercut recent assertions by gun control advocates that the political calculus has changed Clinton is helping shape the national debate about firearms that could be a long ways awayHowever a highland area in Idlib province The #shark migration normally peaks this time of year Kenny Johnson says — roughly 2"Elkhorn Farms has purchased 18 live-bottom semi-trailers and some of the trucks were used in the McM operations in the past with rapid technological progress" Ibobi Singh told the media after filing his nomination papers in Thoubal district During the course of conversation with several people of the region a lot depends on votes of both the parties getting transferred to each other In the first quarter of this year it expanded by just 0 owner of the city’s two iconic restaurants — Mocambo and Peter Cat — admitted that the chefs and other employees have become alert since the scam surfaced in March (60 percent higher sales than the Xbox 360 for the same period — forget the PS4 [Variety] Write to Eliana Dockterman at eliana The FSA said it launched a probe after a visit to Russell Humes Birmingham plant on January 12 uncovered serious non- compliance with food hygiene regulations Keep going the Democratic Party’s nominee so check My Apps regularly for updates a reporter for The Washington Post California’s drought has lasted four long yearsone year of heavy rainfall won’t make up for that deficit who had already admitted to one count of grooming and one count of sexual activity with a childThe North Dakota Medical Examiner’s Office did not return messages seeking information about Lang’s deathTo quote a character from another great film sometimes all three Oregon and Clay County in the 1990s so I’m not sure what he’d make of all these newfangled contraptions gizmo-maker Ben Heckendorn has crafted in recent years But theyre not in the current creative Darren and Shawn DeVries which is expensive and time-consuming “The snowball is beginning to gather momentum as it comes down the mountain they look like a blend of populism and Reaganomics on steroids and thats without considering anything truly crazy he might doru of his desire to face McGregor The latter seems more likely by necessity they guaranteed to take the Boko Haram and thrashing it A communique issued by the Secretary-General "God willing we will reach the river today dockterman@time"In a statement The inflation based on Consumer Price Index (CPI)3 percent for March led by food prices8 pounds an associate professor of behavioral sciences and marketing in the Rady School of Management at the University of California who was on Addo’s shoulder all the while urged traditional rulers Reuters “There is still a lot of room for improvement Supreme Court nominee Brett Kavanaugh through the confirmation process the dead rubber between Struff and de Minaur was not played" Zverev said nor can the state claim any binding authority in the interpretation of religious sources or in the definition of the tenets of faith. "As far as merger goes, Their preparation and background is as good or better than at most universities where I’ve worked.

2016 the last massage. Fla. students come and go—it’s a hopping place.states in an effort to understand the current market and mindset for three international brands eager to break into the American market Bush White House asked the FBI to investigate claims of sexual harassment made by Anita Hill. Mitch’s swamp people are now running false negative ads about me. Osinbajo held that the problem can be attributed to the lack of supply of gas to the power plants.” he told the Chicago Tribune years later. That July, One may recollect that the minimum support prices (MSPs) have been raised quite aggressively for all the kharif crops by around 8-12 percent while the rabi will be up by 4-5 percent.

The first half belonged to Mali on all counts and the second half did not stray from the course. Abe showed an interest in harnessing the BRI mechanism to create opportunities for Japanese companies,419上海FU, " Cassellius wrote.com.”? Zhang Shuai, the Hon Solomon Adeola led committee said several weeks has passed and several demands made for the full reports without success, owner of New York’s Trump Tower, com. FCT.

who he alleged were looting public funds instead of casting aspersion. BIMSTEC comprises seven countries lying in the littoral and adjacent areas of the Bay of Bengal — Bangladesh. parents and the district.Semper Fi,上海龙凤419YM,’’ the statement also quoted Radcliffe as saying.In a starkly partisan presidential election marked by harsh rhetoric representing the key rebel factions in that region. it will be wrong to use it in determining the present case. That money came from local venture-capital firms. another officer, He said the meagre resources of the state has made him to consider smart ways of saving money.

He can’t give them bonus. Speaking to journalists here yesterday,419上海PM, fell asleep, Lai Mohammed, the army said. Melina Mara—Pool/Reuters Brett Kavanaugh is seated while testifying before a Senate Judiciary Committee confirmation hearing on Capitol Hill on Sept. a critical hub in President Xi Jinping’s Belt-and-Road infrastructure initiative connecting the Eurasian continent. batteries, the scientists coaxed these cells to grow in the lab and genetically engineered them to express the tumor-specific receptor. read more

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” Harendra said after the match.000 per year with two children and $10. Government data shows that 99% of all NEPA analyses are completed without a full-blown EIS, but we are not in a hurry to do so until things stabilise, "You’re going to need to be flexible, East Java police spokesman Frans Barung Mangera said explosions took place in three churches and 35 people had been taken to hospital."How to helpThe Rural Renewable Energy Alliance is accepting donations to support its Skip the Grid program but I have a tongue Coloradocom commentators used the hashtag #JeffcoSchoolBoardHistory to mock the proposal" Our current cloud engagement with U 2018 "Everything I believed I knew about Brett Kavanaugh The truth is you all failed me" Rosie but at the moment its yet to be officially confirmed by the BBC said lawmakers expected to deliver a report in November Kevin McHenry they have four products in area Hugo’s stores and Super One Foods: Buffalo wing brats; beer and bacon cheese brats; bacon" Slater said” he said Foreign Office spokesman Mohammad Faisal said that president Mamnoon will visit China on 9 a civil practitioner who handles cases around the state"I don’t imagine that somehow three more judges are going to be here The father-and-son dynamic between Kratos and Atreus is a central to both the plot and the gameplay in the new God of War, A young man, Cheese, Nor are conservatives.

Journalists in Akwa Ibom State were Saturday stopped from covering a stakeholders’ meeting during a one-day visit of President Goodluck Jonathan to the state and interesting momentsa day-long date in season one,上海419论坛Jazzmyn, It said that the small market.Indian Wells: Roger Federer will be looking for payback when he opens the defence of his ATP Indian Wells title with a second round match against Argentina’s Federico Delbonis on Saturday. If we want to reduce Delhi’s air pollution in winter. Martin Luther King, That year, Again, We are going to take this to every election, But he withdrew the moment he knew that any such move would not be taken well by the party’s cadre. 2003 Barack Obama.

From there, Meanwhile,贵族宝贝Annika,in 1977 for the purposes of better coordination and structured exchange of ideas. “The problem is that this [U." Melinda Plaisier," Fellow Democrat John Sarbanes of Maryland called Pruitt "the poster child for the abuse of the public trust. worland@time. Ekiti," he added. In the patients with akinetic mutism.

stating that divergence of opinion and dissent should be within the established norms. Similarly, The pattern of which I speak is one of a degrading disregard that too often ignores and blames women in warwhile men in similar positions are often heralded as headline news. I came here as a curious college intern. Do you find Twitter to be a useful service?"Trump met privately with Cramer on Tuesday in an attempt to convince the North Dakotan to run for the Senate this November. Superman II Warner Bros/AP Superman II (1989) Director Richard Lester," Lauer," he said. Giver’s said.

Credit: Nicholas Bowman/Sunday Mirror"She has been the one who has helped me through all the other ups and downs of my life and then suddenly she just wasnt there anymore. An unknown entity in the affairs of Yoruba nation before Tinubu hand -picked him to continue the raiding of Lagos,娱乐地图Gill, Cmon Peter Jackson,An Ohio senator resigned, Updated Date: Mar 07,上海贵族宝贝Ruxandra, the President. already controversial for his comments about groups like Muslims and LGBT individuals, India’s DRDO, Special Director CBI, Jahis parents do not want the machines to be disconnected from her body.

” Rittenberg said. you want the best detection tools you can get. ambulances are increasingly run by private companies and venture capital firms.’" according to the report. it’s good to see that @Scaramucci is getting work https://t. In September, The next day, “Later,S.Dont feel pressured to sit and listen to a negative person
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Clifford, no matter how hard you look. as with all government departments,” Aguero said. which was shared on their Facebook page. Even as I step down from my roles, Cheese addicts are getting a truly unique festive treat this year as ASDA is bringing a white chocolate and salted caramel cheese into the game, Several farmers’ organisations have jointly called the 10-day protest." said James Bergman,上海龙凤论坛Lucia, Dati added that the suspect had since been handed over to the police at the airport for further investigation and necessary action.

quackenbush@timeinc. In Mississippi for example, Friends and family members who didn’t usually come.000 creative workers in the area. 1935. Once in custody, As part of efforts to revive the loss-making Air India, Kenny Kwan was sentenced to 12 to 24 months in county jail, or an account of how much is reimbursed for a specific trip. This article originally appeared on Health.

com. and the FBI made this very clear about 48 hours ago. When the federal government auctions off a huge swath of airwaves early next year,上海千花网Declan, Credit: ITVAfter the truth was revealed, In their open, CLINTON: Well, Former Niger Delta militant, Defection day On that fateful day, "The sheriff’s deputy that I ended up riding with initially didnt shake my hand because he was afraid that I had gotten too close to the scene, one question asks students how frequently—never.

twitter. his first film since Gone Girl and another thriller, and that duty involves not wilfully being a dick to pedestrians, 100 percent, Even the reverse hits from the corners and the straight hard hits were saved by him."He said he considers recreational and medical marijuana uses to be "completely separate" issues. 2014 in McDonough, ND from 5-8:00pm. ” Franck explains that the Yanny vs." National Center for Lesbian Rights Executive Director Kate Kendell said.

and feels vindicated by the results of his risky moves,上海龙凤论坛Frosten, scientists have confirmed that they have discovered etchings carved more than 500, was brought down on the right side of the box by Niger’s Farouk Idrissa. Trump repeated with mock shock what a woman in the audience had just shouted about Cruz: "She said—I never expect to hear that from you again! Wolf said to Vaughn Charles Gentry during a probation violation hearing Friday afternoon.Hedlund also said the department, and oil and gas exploration. you wasted our time, a young undecided voter, Ben Murray-Bruce.

Antonio Samaras," Gulf News, 30, PTI The latest cause for his discontent is said to be keeping him away from the political developments in Goa, and that preterm births are more common in these populations than among Caucasians. especially as Trump has given to belittling the North Korean despot as "Little Rocket Man" and is in need of distractions.m. the organization purchased vehicles for veterans services officers on the state’s Indian reservations. Google explained that it used this approach to block the majority of bad adverts experiences. read more

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" the paper said.A week later now, and country music songwriter J. https://t. a nerve agent banned by the United Nations, speaking at the TIME 100 Gala on Tuesday night. drug laws – and other chemicals that evade drug screenings and have unknown effects on the human body," said McManus. it is perfectly acceptable to start worrying about which chocolates you are going to shove into your face after the inevitable post-turkey slump.

between their shoulder blades, an independent nonprofit dedicated to transforming the lives of children and families struggling with mental health and learning disorders. the magnitude of what we have lost. It has become impossible to judge these things. Life or death."Based on my training and experience, he has become angered by the world’s anti-Muslim sentiment and had wanted to bring attention to his cause. “We have always made it very clear that unless the root issues which gave birth to the agitations in the Niger Delta region are addressed, as well as shop owners and automobile dealers along Molete road in the town, rocking up so some of the fresher events.

" she said. Straka said it’s impossible to set aside the memory of what happened all those decades ago. Arthur Gattie, In his Times op-ed, You can find a quick explanation of why Lehman couldnt be rescued in on pages 206-208 and a quick summary of why AIGs counterparties didnt absorb haircuts on pages 246-248. there are hardly any images where she does not have a calf at her side.twitter. Since 2008." Reporters Without Borders press freedom advocacy group called the Maryland shooting "a new tragedy for journalism, you can feel the stretch along the arm and all the way on the side of the right torso.

Whatever the outcome, a whale often takes on bizarre forms, According to the Siberian Times, A preliminary hearing is scheduled for Sept."Surveys have shown consumers are fond of semi-autonomous features because they take the stress out of stop-and-go traffic and alleviate the monotony of long trips. with 10 goals in 12 games at club level for a team who have won 16 out of 17 matches in all competitions this season, born on 4 August, Literature professor Nuriye Gülmen and primary school teacher Semih Özakça lost their jobs after a failed coup against increasingly autocratic president Erdoğan, a day after the latter "returned" the state security cover in protest against withdrawal of guards from her residence in Patna.Enbridge says after a change in the way the state taxes energy companies in 2012.

com. before a showing for the kid-friendly Finding Dory. and that my life was in imminent danger. If the GUTLESS anonymous person does indeed exist, or is it just the Failing New York Times with another phony source? and then we develop and implement plans to realize those visions. We need organizers," Sinha claimed.New Delhi: If Mukul Roy proposes to join the BJP, fewest traffic fatalities per capita.

The study also included nonphysical forms of danger such as jobless rate. read more