Disclosing the Details

first_img Demand Propels Home Prices Upward 2 days ago Share Save FHA Mortgage Notice House Resolution 2017-08-23 Joey Pizzolato The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago A new bill could change requirements in the National Housing Act if it succeeds the long road to becoming law. House Resolution 2777—Give Veterans Home Loan Choices Act of 2017, aims to require that a Federal Housing Administration (FHA) mortgage notice to a veteran include information that compares Veteran Affair (VA) loan information along with information about conventional loans and FHA loans. Currently, it is not a requirement under the Informed Consumer Choice disclosure to include information about VA loans.Originally introduced by Representative Marc Veasey (D-Texas) in June, the goal is to help veterans make an informed decision when deciding which route to take when buying a home.“Homeownership is a pillar of the American dream and a goal that should not be out of reach for our nation’s veterans,” said Congressman Marc Veasey. “That is why I am committed to ensuring that the brave men and women who serve our country have access to the benefits they’ve earned and are provided the information they need to make an informed decision when purchasing a home.”The bill currently has 13 co-sponsors, including Rep. Colleen Hanabusa (D-Hawaii); Sheila Jackson Lee (D-Texas); Eleanor Holmes Norton (D-Washington D.C.); Sandord Bishop Jr. (D-Georgia); Mark Takano (D-California); Dwight Evans (D-Pennsylvania); Donald Norcross (D-New Jersey); Gene Greene (D-Texas); Kyrsten Sinema (D-Arizona); Raul Grijalva (D-Arizona); Daniel Lipinski (D-Illinois); Norma Torres (D-California); and Eric Swalwell (D-California); and is sponsored by a handful of organizations, such as the Association of the United States Navy, National Military Family Association, Association of the United States Army, Reserve Officer Association, and the Veterans Association of Real Estate Professionals (VAREP).As of Wednesday, the bill has referred to the House Armed Services Committee. According to G-II Varrato, the AZ State Director for VAREP and the Chairman of VAREP National Legislative Committee, this bill has been in the works for four years, and is a “multipronged effort.”The first hurdle the bill had to overcome was to require the loan application to ask the potential borrower if he/she has ever served. According to Varrato, that piece of information has been missing from the application since 1944 when the loan was created.“Because of that,” Varrato said, “over 65 percent of the veteran community are disenfranchised—missed out on this loan product.”VAREP succeeded in altering the loan application in 2016; the new application will go live in December of 2018.The second piece of the puzzle, which the Veasey’s bill is currently trying to do, would be to require the side by side comparison. Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily Tagged with: FHA Mortgage Notice House Resolution Demand Propels Home Prices Upward 2 days ago About Author: Joey Pizzolato Home / Daily Dose / Disclosing the Details Related Articles Subscribecenter_img  Print This Post Previous: Mortgage Deduction Possibility Causes Uncertainty Next: Making Amends August 23, 2017 1,143 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Headlines Disclosing the Details Joey Pizzolato is the Online Editor of DS News and MReport. He is a graduate of Spalding University, where he holds a holds an MFA in Writing as well as DePaul University, where he received a B.A. in English. His fiction and nonfiction have been published in a variety of print and online journals and magazines. To contact Pizzolato, email [email protected] Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days agolast_img read more

St. Mary’s Hospital for Women & Children Birth Records

first_imgSt. Mary’s Hospital for Women & Children Birth Records(PLEASE SEE OUR FOOTNOTE COMMENTS AT BOTTOM OF PAGE)Sara and Eric Huffman Jr., Evansville, daughter, Emma Grace, Mar. 5Brandy and John Abel, Princeton, Ind., son, Keegan David, Mar. 5Suzanne and Bryan Tomm, Carmi, Ill., son, Brett Emrich, Mar. 7Heather Grigsby, Evansville, daughter, Violet Rae, Mar. 7Wendy and Jason Hungate, Evansville, son, Dexter Robert, Mar. 7Melecia Williams, Evansville, son, Aubrey Tatum, Mar. 7Natalie and Colton Reed, Owensville, Ind., daughter, Rhen Marie, Mar. 7Kristal Mitchell and Te’Yon Wing, Petersburg, Ind., daughter, Geneva A’Yona, Mar. 7Erika Hickrod and Evan Franklin, Owensville, Ind., daughter, Araiyah Grace, Mar. 7Allegra Pegue, Evansville, daughter, Evanie Alexis, Mar. 8Abby and Daniel Nichols, Evansville, daughter, Charlotte Fox, Mar. 8Keely Smitha and Shawn Wright, Evansville, son, Isaiah Davis, Mar. 8Brianna Bare and Andrew Brock, Olney, Ill., daughter, Cally Leeanne, and son, Cullen Leon, Mar. 8Ashley Gatewood, Princeton, Ind., son, Liam Paul, Mar. 9Courtney and Aaron Dewees, Newburgh, Ind., daughter, Lucy Ann, Mar. 9Peyton and Nathan Crowley, Evansville, son, Greyson Rayne, Mar. 10Jierra and Robert King, Evansville, son, Cash Robert, Mar. 10Nichole Merritt, Evansville, daughter, Blake Elizabeth, Mar. 10Hannah Shaw and Jeremy Shoemaker, Evansville, son, Ivan Kingston, Mar. 10Jessica and Jordan Zuber, Evansville, son, Knox Kennedy, Mar. 11Nikole and Joeseph Schauer, Evansville, daughter, Elizabeth Chalene, Mar. 11Kayla and Shane Hayes, Princeton, Ind., daughter, Charleston Mae, Mar. 11Macey Shoulders and Jared Maier, Evansville, daughter, Avery Kate, Mar. 11FOOTNOTE: We would like to thank St Mary’s Hospital for Women & Children for sending us Birth Records.  We are disappointed that Deaconess Hospital public relations department continues to shun us and the readers of the City County Observer by not sending us up-to-date news releases concerning the inportant happenings of this fine medical provider of our community.  We wonder why Deaconess Hospital public relations department has decided not to comply with our many requests for them to send us current and important news releases.FacebookTwitterCopy LinkEmailSharelast_img read more

Getting To Know Ripe, Boston’s Fastest Rising Seven-Piece Groove Machine

first_imgAnyone hip to the groove is sure to love the band Ripe, as the Boston-based group continues to pick up new fans with amazing opportunities. 2016 has been a banner year for the band, as they’ve gotten to perform at festivals like High Sierra and Summer Camp, and even went on the road as support for G. Love & Special Sauce earlier this year. With a showcase set coming up at Brooklyn Comes Alive (more info here), we caught up with the band’s dynamic frontman Robbie Wulfsohn to learn all about the Ripe adventure.The band got their beginnings at the Berklee College of Music, when they met within just a few weeks of starting at school. “Within two weeks of getting to school, we were making music together at parties,” says Wulfsohn. “Two weeks after that, we realized we wanted to do this as a band, and then it snowballed from there.” It’s been five years since those early days, and the snowball only grows larger.Ripe settled in quickly as a seven-piece ensemble, backed by a diverse array of musical influences and styles. Part jam band, part funk, part jazz and part soul, the band draws from everywhere to give fans a high-energy performance from start to finish. “I want to appeal to Phish fans, and to D’Angelo fans,” says Robbie. When asked about the band’s genre, however, it’s all “dance music” at the end of the day.For a great taste of the band’s music, we turn to their recent session on the Audiotree Live video series. Audiotree is a artist-centric music company, with a popular live video series that pairs talented musicians with top-notch production. “They made it sound amazing, look amazing. They made us feel so comfortable. It’s wonderful to come into contact with people who care about the way that we do.” You can see the band’s awesome session, streaming in full via the playlist below.There’s an undeniable charisma that comes across in the band’s music, led by the dynamic presence of Robbie himself. Though the lead singer is a talented guitarist, he decided early on to let friends Tory Geismar and Jon Becker take the guitar duties for their shows. He talks enthusiastically about connecting with the audiences, to play off of them with total freedom on the stage.One particular frontman highlight for Robbie came months after the band’s tour with G. Love, during a subsequent performance at the House of Blues in Boston months later. “He challenged me to a freestyle battle, completely out of the blue. I rap battled G Love on stage for the first time! My heart felt like it was going to jump out of my body, but I think I was able to hold my own.”It’s moments like those that keeps Ripe moving in the right direction, as they got to experience a whole new world performing at big festivals this summer.“Most of the band grew up going to festivals as spectators, so to be able to contribute to that from the artist spot is truly something I’ve been waiting to do for as long as I can remember. Especially at High Sierra where everyone’s at equal playing field, you could go to the area back stage if you want a Coconut Water and there’s Thievery Corporation hanging out. The Turkuaz guys caught your set and are happy to see you and want to talk to you. Guys that I have been listening to, as long as, if not longer than we’ve been a band. We’re finally able to give back to people that like that kind of sound with the thing that we do, and it means so much to me.”We’re honored to have this emerging talent join a roster of artists like Joe Russo, Oteil Burbridge, Jason Hann, Aron Magner, John Medeski, Marc Brownstein and more at the second annual Brooklyn Comes Alive. On October 22nd, 50+ artists will be descending upon Brooklyn for unique performances, spread across three venues. Says Robbie, “Looking at the list of musicians, I’m freaking the fuck out. It looks unbelievable. The more I find out about it, the more I enjoy it.”The future is looking bright for Ripe, as they continue to work on new music for their first full-length album. The band has two EPs previously released, both of which can be found on Spotify. So don’t miss Ripe when they come to town! We’ll be boogie-ing right there with ya.For more on Ripe, be sure to visit their official website.last_img read more

What #millennials look for in financial institutions

first_img 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr With an estimated 86 million Millennials set to be in the workforce by 2020, it is not surprising community financial institutions (FIs) are looking to target this demographic. Attracting a Millennial audience could very well ensure an FI’s future success. This generation is, after all, the largest and most diverse currently in the U.S.As more Millennials establish and advance their careers, they will seek out FIs to help manage their finances. The FIs likely to be strong contenders in this arena are those that make a significant effort to fulfill Millennials’ expectations.To hear what four millennial employees at TMG look for in an FI, watch this quick video! continue reading »last_img read more

Letters to the Editor for Thursday, Nov. 14

first_imgEllis must change credentialing formOver the last 12 years, I have privately urged Ellis Hospital to change its credentialing procedures. I hope that by my publicly airing my concerns, they will be taken more seriously. Ellis Hospital requires all physicians who have privileges to complete a detailed medical questionnaire.We are required to list the doctors we have seen, the reason for the appointments and any medications prescribed. We also must answer questions about various symptoms, including our reproductive and mental health. I do not even work at Ellis Hospital. I must complete this form to access patient labs from the Ellis electronic record. Ellis requires me to disclose my entire medical history to review patient labs.While privacy issues are concerning, I am more troubled by the impact these questions have on fellow physicians. I have been unable to convince colleagues to seek treatment for depression because they do not want to disclose that treatment on the Ellis Hospital form. Suicide rates in physicians are much higher than in the general population. I worry about those who need treatment but are not receiving it.Several months ago, I was told the form would be changed. It has not been changed. This week, two physician administrators called me and reminded me that change takes time – that they want to make changes but must first filter through many committees. Twelve years is too long to wait, when changing this form may save a doctor’s life.Catherine Smitas, MDSchenectadyOpine on abortion, not breast feedingDear Diane Sanders Hombach, regarding your Oct. 30 letter (“Writer has no right to discuss abortion“) to Mr. Wendell Neugebauer, I believe he has every right to his opinion on abortion.Just because a man can’t deliver a baby doesn’t mean he doesn’t have feelings for an unborn child.If he were commenting on whether a woman should breast feed or not, now that’s another matter. Note to Wendell – If you think you were spanked over your comments on abortion, don’t even voice your opinion on breast feeding.Lorraine VanDerWerkenSchenectadyExactly what crimes did Trump commit?I just read Ms. Cartwright’s Nov. 9 letter (“No good Democrat is supportive of Trump”). As is common practice among the opposition, they spray around phrases that President Trump ‘broke laws’, defied the Constitution, etc.But, as is also common practice, not once do they ever list these illusory occasions. Let me try to help: Did he prohibit ‘due process’ during the Kavanaugh hearings?  No, no. That was the Democrats. Did he bribe a foreign government to fire an elected official? No. Did he direct states and cities to ignore federal immigration laws to let criminal aliens out on the streets? No, no, those were Democratic controlled entities. Did he sign bills allowing the abortion of fetuses up to the time of birth? Oops, sorry, there is nothing in the Constitution on that; it comes from a higher law. Ever hear of Thou Shalt Not Kill? Alas, those bills were signed by Democratic governors, not President Trump. He is pro-life and that is not a crime.I will wait for you, or anyone, to come up with some crime that is provable. How did Mueller make out? But if you and others who believe as you think there is nothing wrong with the items I’ve listed, then your title is accurate: There are no good Democrats.Jeffrey FalaceSchenectadyMore from The Daily Gazette:EDITORIAL: Find a way to get family members into nursing homesEDITORIAL: Urgent: Today is the last day to complete the censusGov. Andrew Cuomo’s press conference for Sunday, Oct. 18Foss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Thruway tax unfair to working motorists Categories: Letters to the Editor, OpinionRiggi had become ineffective on councilIn response to Tricia Margas’ Nov. 11 letter (“How could voters not re-elect Vince Riggi?”), for my family it was very easy to not vote for Riggi.In June, my wife Barbara called Vince Riggi at home at least three times about problems we were having with Schenectady code enforcement. My wife was a former Riggi supporter and had been former president and vice president of the Mont Pleasant Neighborhood Association, plus she had graduated high school with Mr. Riggi.Three phone calls on separate days and guess what? No answer back and no support of Vince Riggi.Vince blended in too much with the other members of the City Council. The elections show Vince had lost over 500 supporters between 2015 and November 2019. He had become ineffective.Jack Fitch, Sr.Schenectadylast_img read more