Andrew McEvoy to head TTF Board

first_imgAndrew McEvoy to head TTF BoardAndrew McEvoy to head TTF BoardAdept Chairman, practiced media operator and well versed across the tourism sector, Mr Andrew McEvoy is confirmed as the new Chairman of the Tourism & Transport Forum National Advisory Board.Mr McEvoy has held numerous senior management and director roles as part of his 25 year stint in the tourism industry, including at the Melbourne Convention Bureau, Tourism Victoria and the South Australian Tourism Commission, and is a former Managing Director of Tourism Australia.During his time as Managing Director of Tourism Australia, Mr McEvoy worked with the industry to embed the Tourism 2020 Strategy – with its aim to double the value of overnight expenditure – a target the country is on track to achieve. He also led the charge to significantly bolster Australia’s marketing efforts in Asia and to work with airports and airlines to grow capacity into the country.Mr McEvoy is also experienced in the media, most recently as the Managing Director of Life, Media and Events at Fairfax. He is currently the Chairman of the Sealink Travel Group (SLK) and sits on the Boards of Ingenia (INA), and the Lux Group, owner of Luxury Escapes.Chief Executive Officer of the Tourism & Transport Forum Margy Osmond said Mr McEvoy is an outstanding appointment and is a real asset to the tourism industry.“Mr McEvoy has a solid record of achievement in the tourism industry and will bring excellent skills and experience to the job,” Ms Osmond said.“His longstanding commitment to tourism means he will provide strong leadership to the industry more broadly.“Having worked at state and national destination marketing agencies, Andrew has a sound understanding of the issues facing the sector, and how the approach to dealing with these issues needs to be innovative and adaptable across the country.”A TTF Life Member, Mr McEvoy said he saw significant short term challenges for the industry after almost a decade of growth.“TTF is the peak industry body with a membership including Australia’s major tourism and transport employers – critical to the success of the national economy.”“I am motivated to Chair the organisation to ensure Governments of all persuasions genuinely value and support this growth sector. I get a sense there has been some complacency given Australia’s strong performance. Now is the time for the industry to get behind TTF and other peak organisations to form a common platform for future growth.”Mr McEvoy also acknowledged the work of outgoing Chair Katie Lahey in helping ensure the strength and viability of the Tourism & Transport Forum.Ms Lahey, who has Chaired TTF since November 2014, said “Mr McEvoy has an extraordinary depth of knowledge in this industry and is ideally suited to chair the Tourism & Transport Forum National Advisory Board.”“I congratulate Mr McEvoy on his appointment to Chairman of the Tourism & Transport Forum. He will bring an experienced approach to an ever-changing industry,” Ms Lahey said.Margy Osmond thanked Ms Lahey for her service over the past four years saying, “Katie has made an incredible contribution and will continue to be a champion for the sector.”Mr McEvoy will assume the role of Chairman when the term of incumbent Ms Katie Lahey expires in late November 2018.Source = Tourism & Transport Forumlast_img read more

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Introducing the Reina Silvia Voyager Galapagos yacht

first_imgSource = G Adventures Introducing the Reina Silvia Voyager Galapagos yachtIntroducing the Reina Silvia Voyager Galapagos yachtLeading tour operator G Adventures proudly introduces a sixth yacht to its fleet of vessels for touring the Galápagos Islands, with 2020 departures posted on its website today. The custom-built catamaran will be among the most comfortable passenger touring vessels of its size in the Galápagos, and will reflect the company’s commitment to responsible tourism.The 103-foot Reina Silvia Voyager catamaran will cruise the Galápagos Islands as a high-end touring vessel, accommodating up to 16 passengers in 10 cabins on two decks. Eight of those cabins are designed for twin/double stays, and two are dedicated to solo travellers who prefer their own space at a good value. Eight rooms offer private balconies, while all rooms have panoramic windows for optimal ocean viewing, plus bright, contemporary furnishings, artwork by local naturalist photographers, and energy-saving LED lighting.Common areas on board will include an expansive third deck with lounge chairs for sunbathing, covered cocktails bar, grill station and an outdoor jacuzzi tub for relaxing under the sun or stars. An indoor, air-conditioned salon with large video screen will enable visual presentations from specially trained naturalists, who will guide each group’s tour and help guests learn about the iconic wildlife and culture of the Galápagos Islands’ inhabitants.Landings and exploration of the region’s remote ports and wild, rocky coasts will be accessible to guests, thanks to the Reina Silvia Voyager’s nine on-board kayaks and two zodiacs for guests’ guided use. Wetsuits and snorkeling gear will also be freely available for passengers’ enjoyment, as will beach towels and hairdryers. All meals on board are included and will accommodate vegetarian, vegan, gluten-free, and allergy-sensitive diets. A crew of nine, including a dedicated chef and G Adventures Chief Experience Officer, will serve guests daily.“There is nothing in the world like making eye contact with a curious sea lion, gentle sea turtle, tiny seahorse or prehistoric iguana in a place where Darwin himself studied evolution. We want our guests to have all of these adventurous experiences and still enjoy a dose of maritime luxury,” said Yves Marceau, G Adventures’ Vice President of Product, who is overseeing the design and construction. “The Reina Silvia Voyager is being purpose-built to enable nimble, immersive moments in and under the water, then welcome guests back on board in ultimate comfort.”These G Adventures voyages start and finish in the capital city of Quito, and offer sailing through either the eastern or western Galápagos, including the inhabited islands of Isabela, Floreana, Santa Cruz and San Cristobal, plus eight other uninhabited islands that are protected within the Galápagos National Park system. Pricing is as follows:8-day Galápagos – Central & Eastern Islands aboard the Reina Silvia Voyager, Cruise Only – from AUD $7,499 per person.8-day Galápagos – Western & Central Islands aboard the Reina Silvia Voyager, Cruise Only- from AUD $7,499 per person.10-day Galápagos from Quito – Central & Eastern Islands aboard the Reina Silvia Voyager -from AUD  $8,349 per person.10-day Galápagos from Quito – Western & Central Islands aboard the Reina Silvia Voyager – from AUD  $8,349 per person. With 40 different itineraries that offer adventure travellers access to the 20 different islands of the Galápagos, ranging from 7 to 17 days in length, the Reina Silvia Voyager will allow G Adventures to meet the increasing traveller demand it is seeing for Galápagos adventure. There has been a 19 percent surge in global bookings of its marine-based cruises in the region since January 2016.To comply with the Galápagos Islands’ trailblazing ban on single-use plastic bottles, straws and bags, G Adventures is giving each passenger a reusable stainless steel bottle and will offer unlimited access to filtered drinking water on board. Toiletries onboard all of G Adventures’ boats are also provided in refillable containers. In partnership with the nonprofit Planeterra Foundation, G Adventures additionally supports an Ocean Health Fund with investments in numerous marine initiatives, including the United Nations Environment Program’s Clean Seas campaign and the Marine Megafauna Foundation’s Galápagos Whale Shark Project.G Adventures’ Managing Director Australia and New Zealand Adrian Piotto said “We are thrilled to present a new option for experiencing some of the magic that the Galápagos has to offer, in a way that offers immersive, responsible travel without compromise on comfort. Adventure travel is about seeing how other communities live, and gaining access to places that most people have only read or dreamed about. Roughing-it is not required.”For more information and the complete list of trips, please consult your local travel agent, call 1300 180 969, or visit:  www.gadventures.com.au/galapagos. Book early for best availability.last_img read more

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Indonesia Sustainable Tourism Observatories join the UNWTO Network

first_imgAs announced at the PATA Travel Mart 2016 in Jakarta, Indonesia has joined the UNWTO International Network of Sustainable Tourism Observatories (INSTO) with the opening of three sustainable tourism observatories, which position Indonesia as a regional hub for sustainable tourism practices.The observatories, located in the regions of Sesaot, Senggigi Lombok Barat, Pangandaran, and Sleman, will be hosted by the Bandung Institute of Technology, Gadjah Mada University and the Mataram University. The newly created bodies will monitor and ensure sustainable practices of the tourism sector in these regions.Together with the opening of the three observatories, Indonesia has endorsed 20 regions to test pilot sustainable tourism projects and chosen 10 priority destinations for the projects. “The more we preserve the more prosperous we become. These observatories will contribute to Indonesia’s sustainable practices in other fields,” said Arief Yahya, Minister of Tourism of Indonesia.Welcoming Indonesia’s strong commitment to sustainable tourism, Taleb Rifai, Secretary General, UNWTO, said, “Institutional support is essential to ensure the sustainable development of the tourism sector and Indonesia is exemplary in coordinating all stakeholders to make these observatories a reality.”The establishment of the three observatories in Indonesia is timely, coming only a few months before the International Year of Sustainable Tourism for Development is launched in January 2017. During the celebrations, the observatories will be prominently featured as crucial elements for ensuring the sustainable development of the tourism sector.last_img read more

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Fairfest Media Ltd conducts sales mission workshop in GCC nations

first_imgFairfest Media Ltd., organisers of India’s leading travel trade show OTM, BLTM and TTF conducted a sales mission workshop in the GCC (Gulf Cooperation Council) countries last month to thank the partners from the Gulf who have been a part of the company’s success story over the years. The workshop focused on leveraging business relations between the company and the GCC countries in the coming years as well as proposing the Gulf nations for their participation in OTM and BLTM in 2019.This workshop was conducted in Doha and Muscat. Fairfest Media and the GCC countries’ trade business relationship has come a long way, as these nations have been participating in OTM, BLTM and TTF over the years.The workshop was a huge success with 12 travel partners participating in Muscat and 18 in Doha and giving a positive review about OTM, BLTM and TTF.India is among one of the top source markets for GCC countries in terms of tourists arrivals hence, collaborating and working together will further enhance the trade relations and boost tourism between India and the Middle East. In order to lure more Indian travellers, Oman has relaxed its visa rules by granting visa-on-arrival for the citizens of India who reside in or who hold an entry visa to one of these countries – United States of America, Canada, Australia, United Kingdom, Japan and Schengen states to enter the Sultanate of Oman. Eyeing the potential Indian travel market, last year Qatar waived entry visa requirements for Indian citizens and they can obtain a visa waiver upon arrival to Qatar upon presentation of a valid passport with a minimum validity of six months and a confirmed onward ticket. For Bahrain, Indians are eligible for e-visa service.Dubai also expects a tourism boost as it is hosting the Expo 2020, a global exposition event in which more than 131 countries and 25 million people are expected to participate. In a recent report by Alphen Capital, the GGC hospitality market will grow at 7.2% in the next four years given the fact that international events like FIFA World Cup 2022 and Expo 2020 will be held in Qatar and Dubai respectively.last_img read more

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USRES Enhances Valuation Portal with Online Payments

first_imgUSRES Enhances Valuation Portal with Online Payments in Headlines, News, Technology July 17, 2014 506 Views Sharecenter_img RES.NET USRES Valuations 2014-07-17 Tory Barringer USRES, a management solutions provider for real estate assets, announced a new security enhancement to its proprietary Valuation Portal.As a result of the upgrade, borrowers can now securely pay for appraisals through the portal instead of sharing their credit card information over the phone, giving loan officers an added option for the payment portion of the appraisal ordering process, the company announced.Once the payment is made, the borrower receives an email confirmation, while the loan officer gets a notification that the transaction is complete, making for a more seamless and transparent process.”Consumers are increasingly cautious and often want to avoid sharing sensitive financial information over the phone,” said Keith Guenther, CEO of the California-based USRES and RES.NET. “This new feature of the Valuation Portal ensures the timeliness of the transaction while also allowing borrowers to feel comfortable and at ease when ordering an appraisal as well as throughout the lending process. This payment option also gives our clients added operational controls and oversight.””The addition of this payment option as an alternative process gives mortgage professionals another tool to further protect borrowers’ personal information while maintaining pertinent oversight of the transaction life cycle,” added Rida Sharaf, SVP of real estate operations for USRES.last_img read more

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Report Finds Overland Park is the Best City for FirstTime Homebuyers Compton

first_img in Daily Dose, Data, Featured, News, Origination Report Finds Overland Park is the Best City for First-Time Homebuyers; Compton Deemed the Worst July 20, 2015 469 Views When purchasing a home, consumers often analyze the home further than just the outward appearance. WalletHub released a report titled “2015’s Best and Worst Cities for First-Time Home Buyers” on Monday, reviewing the level of attractiveness for cities all over the U.S. to determine how attractive a home is to first-time homebuyers.The report, written by Richie Bernardo, found that Overland Park, Kansas is the best city for first-time buyers, while Compton, California was labeled as the worst city for first-time buyers.WalletHub reviewed the cities according to 18 key metrics including housing affordability rank, real-estate market rank, and living environment rank.  The also looked at annual income, real-estate tax rate, rent-to-priece ratio, home price appreciation, property crime rate, and home energy cost. A total of 300 U.S. cities were compared to determine the attractiveness of their first-time home-buyer markets.“Buying a home for the first time is an exciting and important milestone in the lives of most consumers, Bernardo said. “That was, at least, until the housing bubble collapsed nearly a decade ago. Today, home buyers are more skeptical than ever in the wake of the financial crisis, especially given the drastic variations in economic recovery across the U.S.”In 2014, the National Association of Realtors (NAR) reported that among buyers of primary residences, 33 percent were first-timers, while the historical average has been 40 percent for this group, WalletHub mentioned in the report. In addition, a recent Gallup poll found that 41 percent of non-homeowners in 2015 don’t plan to buy a home in the foreseeable future, compared with 31 percent two years ago.According to the report, Overland Park, the best city for first-time homebuyers ranked 32 in terms of housing affordability, 25th in the real estate market, and came in third place in the living environment category. Allen, Texas, Centennial, Colorado, Broken Arrow, Oklahoma, and Frisco, Texas finished out the top five best cities for first-time homebuyers.On the other hand, the city of Compton, California, deemed the worst city for first-time buyers ranked 291 in terms of housing affordability, 295th in the real estate market, and 260th in the living environment category. Oakland, California, New Bedford, Massachusetts, Miami Beach, Florida, and Richmond, California rounded out the bottom five cities for first-time homebuyers.“2015’s Best and Worst Cities for First-Time Home Buyers” Report Highlights: Frisco, Texas has the highest median annual income, while Patterson, New Jersey has the lowest median annual income.Flint, Michigan has the most affordable housing, while Santa Monica has the least affordable housing.Honolulu, Hawaii has the lowest real-estate tax rate, while Waukegan, Illinois has the highest real-estate tax rate.Detroit, Michigan has the lowest rent-to-priece ratio, while Sunnyvale, California has the highest rent-to-priece ratio.Sunnyvale, California has the highest median home price appreciation, while Detroit, Michigan has the lowest median home price appreciation.Click here to view WalletHub’s “2015’s Best and Worst Cities for First-Time Home Buyers” Report. center_img Compton First-Time Homebuyers Overland Park WalletHub 2015-07-20 Staff Writer Sharelast_img read more

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Advantage Systems LendingQB Announce LOS Integration

first_img in Headlines, News, Technology Share Advantage Systems LendingQB LOS Integration 2016-03-31 Staff Writer March 31, 2016 476 Views center_img Advantage Systems and LendingQB announced the completion of an integration that enables mortgage lenders to seamlessly transfer loan-level accounting data from the LendingQB LOS to the AMB (Accounting for Mortgage Bankers) platform.”Most of the integrations we have done involve an LOS system pushing data to us.  The integration between Advantage Systems and LendingQB allows us to reach in and get the information we need,” said Brian Lynch, President of Advantage Systems. “This tool allows us to minimize implementation costs to our clients and gives them the flexibility to make changes when needed.”LendingQB’s open architecture API (application protocol interface) allowed Advantage Systems to quickly build a first-phase integration.”We specifically built our API to provide a simple but secure method for outside companies to access virtually any field in a loan file,” said LendingQB President Binh Dang. “Our API is ideal because all lenders perform their accounting and reporting in a slightly different way. It has built-in flexibility and extensibility to allow AMB and the lender to customize the data they want to access.”When transactions and reconciliations are recorded on a daily basis, there is much less to do at month end and peak periods of activity are kept to a minimum, the announcement said.”This approach eliminates the veritable avalanche of data at month’s end that needs to be reconciled,” Lynch noted.  “The books are closed more quickly, and because reconciliations are done more often, there is a higher degree of confidence in those financials. We believe the integration with LendingQB allows lenders to perform better accounting with less staff.”LendingQB noted that the integration with AMB is an extension of their ‘Lean Lending’ solution strategy, which promotes operational efficiency through the implementation of best practices and partnering with best of breed industry providers.”We want to provide lenders with technology solutions that do more than just exchange data with any third party company,” Dang said. “Advantage Systems is an innovator and respected provider of accounting solutions for mortgage lenders. We are proud to be the first LOS to partner with them to create a solution that helps our clients work smarter.” Advantage Systems, LendingQB Announce LOS Integrationlast_img read more

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Freddie Mac Dodges A Bailout Bullet

first_img Share Bailout Capital Buffer Dividend Payment Freddie Mac Treasury 2016-05-03 Seth Welborn in Daily Dose, Government, Headlines, News, Secondary Market May 3, 2016 513 Views center_img First the good news from Freddie Mac’s Q1 2016 Financial Results released on Tuesday morning: Freddie Mac will not need a draw on Treasury for the time being.Now the bad news: Freddie Mac reported a net loss of $354 million for the first quarter following a net profit of nearly $2.2 billion in Q4. Not only that, but Q1 marked the second time in the last three quarters that Freddie Mac suffered a net loss; for the third quarter of 2015, the net loss was $475 million.Taxpayers can breathe a sigh of relief after receiving the news that Freddie Mac will not need a draw on Treasury following widespread speculation in the previous week or so that Freddie Mac would need another draw due to the GSEs’ dwindling capital buffer, which is currently $1.2 billion.However, while not needing a draw on Treasury, Freddie Mae will not be making any dividend payments to Treasury for Q2 2016 (the dividend payment for Q1 was $1.7 billion based on Q4’s net profit of $2.2 billion). Freddie Mac’s total cumulative dividend payment to Treasury since 2008 is $98.2 billion, or $26.9 billion more than the $71.2 billion bailout that Freddie Mac took in 2008. Freddie Mac has not taken a draw on Treasury since 2012; they did not need one after taking nearly a half billion dollar net loss in Q3 last year.The $354 million net loss for Freddie Mac in Q1—a decline of $2.5 billion from the previous quarter—was primarily driven by two market-related items, according to Freddie Mac:The effect of net declining net interest rates, which resulted in an after-tax estimated fair value loss of $1.4 billion for Q1 (compared to an estimated fair value gain of $0.3 billion for Q4 2015 after an increase in interest rates); and the use of derivatives, which Freddie Mac uses as a hedge against changes in interest rates. The value of interest rate derivatives can fluctuate dramatically, however.The spread change effect: An estimated after-tax loss of $0.6 billion for Q1 (compared to an estimated loss of $0.3 billion for Q4) due to spreads on certain mortgage loans and mortgage-related securities measured at fair value experienced more widening in Q1 than in Q4.On the positive side, Freddie Mac Transferred a portion of the credit risk on $54 billion of single-family loans, and have now transferred a portion of the credit risk on $440 billion in single-family loans since credit-risk transfer initiatives began in 2013. Also, Freddie Mac’s core (post-2008) book of business, which excludes HARP and other relief refinance loans, increased up to 68 percent of Freddie Mac’s credit guarantee portfolio. Also, Freddie Mac’s management and guarantee fee income has significantly increased in the past two years.“Freddie Mac’s first quarter business results continued to be strong, reflecting our transformation to be a more competitive company,” Freddie Mac CEO Donald Layton said. “We’re serving our customers better and also more effectively executing on our mission to responsibly support homeowners and renters nationwide. The percentage of our purchases of loans to first-time homebuyers hit a 10-year high and we continue to finance record levels of rental housing. Also, the transfer of mortgage credit risk away from taxpayers, which we pioneered, proved its resiliency through the quarter’s significant financial market distress. While the resulting flight-to-quality decrease in interest rates reduced our GAAP results this quarter, an impact which is non-economic in nature, the fundamentals of our business are very solid and continue to improve.”Stakeholders in the industry generally did not react to the news of Freddie Mac’s financial results positively like Layton did. Specifically, they were not convinced that another taxpayer-funded bailout is on the horizon.“Even after Federal Housing and Finance Agency Director Mel Watt joined housing advocates and economists on both sides of the aisle in sounding the alarm, the Treasury Department has inexplicably refused to allow Fannie Mae and Freddie Mac to maintain a capital buffer against losses like the one Freddie reported today—and like every other financial institution must maintain,” said Wade Henderson, president and CEO of The Leadership Conference on Civil and Human Rights. “We are inevitably headed toward a path of yet another taxpayer-funded bailout, which should be unthinkable eight years after the financial crisis, and which is even worse because it appears to be by design.”Tim Pagliara, Executive Director of Investors Unite—a coalition of more than 1,500 private investors committed to preserving the rights of GSE shareholders, stated: “By stripping Fannie Mae and Freddie Mac of 100 percent of their profits every quarter since 2012, the Treasury Department put taxpayers on the hook for any future losses by either of the companies, and we’re now seeing this play out in real-time.  It’s time to reverse the sweep and to protect the taxpayers by allowing these companies to begin rebuilding capital.”Click here to view Freddie Mac’s complete Q1 earnings statement. 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To Protect Homebuyers During a Recession

first_img Share Credit Access Economic Downturns U.S. Department of Treasury 2017-01-13 Seth Welborn January 13, 2017 642 Views in Daily Dose, Data, Featured, Newscenter_img Countercyclical policies will be crucial in future housing finance reform, at least according to a recent report from the U.S. Department of the Treasury.Part of an ongoing series of housing reform posts from Treasury, the most recent article calls for a more clearly-defined government role and a framework of countercyclical policy tools to protect homebuyers—and the overall economy—during downturns and recessions.“When the economy expands and contracts, the housing sector usually expands and contracts to a greater extent, as it is more volatile than the overall economy,” the report said. “A housing finance system that pulls back credit during downturns not only hurts families trying to buy homes, but can exacerbate the broader downturn.”According to the report’s writers, Jane Dokko and Sam Valverde, more countercyclical policies could help lessen this volatility and protect families across the nation.“By ensuring access to safe and responsible mortgages in good and bad times, countercyclical policy tools can also help mitigate housing sector weakness during downturns,” the report said.The writers also called for the government to play a bigger role in the housing finance system, while acknowledging that, despite its more laid-back role now, the government would still step in in the event of a serious housing collapse. However, whatever action taken, they said, would be less effective and costlier than it needs to be.“We note, however, that the absence of an explicit government role in a future housing finance system would not prevent the government from supporting the housing market during a downturn,” the report stated. “Indeed, recent experience suggests the government would almost certainly need to intervene in the event of a sufficiently severe shock to the housing or mortgage market to avoid a collapse in access to credit for creditworthy borrowers. However, without a clearly-defined role for the government in the housing market, these interventions would be costly to taxpayers and their effectiveness would likely be more limited.”The post noted the Housing and Economic Recovery Act as one of the many governmental actions taken during the Great Recession, but despite their efficacy, Dokko and Valverde believe they are not a permanent solution to the “structural weaknesses of the housing system.”Instead of corrective actions, the writers suggested three finance reforms that could ensure credit access despite what current economic state the country may be in.“Three key features of a reformed housing finance system would help smooth access to affordable credit in good and bad times: (i) a catastrophic mortgage insurance fund (MIF) to provide stability to the secondary market through the economic cycle, (ii) countercyclical regulatory tools to ensure access to safe and responsible mortgages in good and bad economic times, and (iii) broad-based modification and refinancing authority so that homeowners can readily access lower monthly mortgage payments during a downturn,” the report stated. “With these tools, a housing finance regulator can help protect American families’ access to affordable and sustainable mortgages and rents in all economic conditions, and mitigate the spillovers from weakness in the housing sector to the broader economy.” To Protect Homebuyers During a Recession . . .last_img read more

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Mortgage Volume Increasing Along With Mortgage Risk

first_imgMortgage Volume Increasing, Along With Mortgage Risk AEI International AEI International Center on Housing RIsk Loan Origination National Mortgage Risk Index 2017-11-21 David Wharton First-time buyer (FTBs) volume jumped another 3 percent in August 2017, as compared to August 2016, according to the latest data from the American Enterprise Institute’s International Center on Housing Risk. First-time buyer volume has increased 42 percent since August 2013. As volume increases, so has FTB risk, which has increased by 3 ppts, according to AEI’s FTB National Mortgage Risk Index (FBMRI). According to the update, “too much demand, enabled by increasing leverage, is chasing a limited supply, all of which is driving up house prices.”The FBMRI for Agency purchase loans hit 16.3 percent for August 2017, 6.9 ppts. higher than the MRI for repeat buyers. FHA’s First-Time Buyer NMRI reached 26.5 percent in August 2017, up 1.6 ppts. from the year prior and 2.4 ppts from two years earlier. The update points out that two years ago placed it before FHA’s mortgage insurance premium cut.Edward Pinto, codirector of AEI’s International Center on Housing Risk, said, “The home price boom that started in mid-2012 is accelerating, with year-over-year increases now running at 6-7 percent.” Pinto said that the soaring and price of entry-level homes is driving more FTBs into taking on greater levels of risk.The FBMRI update also revealed that the median FTB puts down only $5,300, or 3.0 percent.Tobias Peter, senior research analyst of AEI’s International Center on Housing Risk, says that an even wider credit box is not the answer. “This has been tried—and it failed,” Peter said. “For the last four years, more first-time buyer leverage in a seller’s market has gotten capitalized into higher house prices, thus crimping affordability.” So what’s the solution? Adding more supply, he says. “Especially at the lower end of the housing market,” Peter said, “where most first-time buyers are buying.”Here’s how AEI explains the National Mortgage Risk Index:The National Mortgage Risk Index (NMRI) measures how government-guaranteed loans with an origination date in a given month would perform if subjected to the same stress as in the financial crisis that began in 2007. This is similar to stress tests routinely performed to ascertain an automobile’s crashworthiness or a building’s ability to withstand severe hurricane force winds. An NMRI value of 10%, for example, for a given set of loans indicates that 10% of those loans would be expected to default in a severe stress event, based on the actual performance of loans with the same risk characteristics after the financial crisis. in Daily Dose, Featured, Headlines, journal, Market Studies, News, Originationcenter_img Share November 21, 2017 625 Views last_img read more

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November 27 2018

first_imgNovember 27 , 2018 Experts analyze biggest challenges facing Chile at … Chile is to make a love movie set in the country’s cherry orchards to capitalize on the huge success exporters of the fruit have experienced in the Chinese market.Local media reports that the aim is to take advantage of the success in China, where the cherry is considered a symbol of love and happiness. The film will be made during the 2018-19 cherry season, which has recently got underway, La Cuarta reported.China is Chile’s leading cherry market by far, last year receiving more than 80% of Chile’s total exports of a little over 180,000 metric tons (MT). The increase meant that cherries were Chile’s third-most exported fruit.The movie, which will be called El Color de las Cerezas [The Color of Cherries], will tell the story of a Chinese man who falls in love with a young woman at a Chilean orchard.Jorge Lopez, president of the Chilean Association of Directors and Screenwriters, and one of the initiative’s drivers, said the movie would be filmed during the harvest season, with additional shooting to take place afterward.Lopez explained that while he was in Asia, he saw the appreciation locals have for the fruit, and how quickly it sells.”It fascinates them. It’s got to the point that when you say Chile, right away they say cherries,” he was quoted as saying. You might also be interested in U.S.: Half of California cherry crop devastated by … U.S.: California cherry season to arrive later tha … Dalian Yidu chief wins visionary award at Global C …last_img read more

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2016 95823000 1000 42012432 438 20026440

first_img201695,823,000100.0%42,012,43243.8%20,026,44020.9% You might also be interested in Here’s a closer look of the aforementioned period during 2018, where we identify Morocco’s last shipment on the week of April 8 and Chile’s first shipment on the week of April 29.Clementines, Non-Organic, Weekly Shipments Spring 2018 2016177,272,5501.85 YTD23,178,960100.0%00.0%20,529,93688.6% 2018112,665,168100.0%61,948,15255.0%29,860,48826.5% YEAREst. SALES (in USD)AVERAGE ANNUAL PRICE per KG In this week’s ‘In Charts’ installment, Luis Aragón of data visualization tool Agronometrics illustrates how the U.S. market is evolving. Each week the article will look at a different horticultural commodity, focusing on a specific origin or topic to see what factors are driving change.Clementines are among the author’s favorite spring fruits because they check all the boxes: a Goldilocks size (not too large, not too small), easy to carry, easier to peel – its segments pull out with more ease than Legos – all whilst providing a very pleasing sweet flavor without the high acidity that often accompanies citrus. And as a bonus, because it’s a hybrid, if cultivated properly it grows with no seeds. The name Clementine comes from the 19th-century French missionary named Marie-Clément Rodierem, who is believed to be the first origin for this hybrid citrus while working at an orphanage in Algeria. Today, and when we give a bird’s eye view at shipments to-and-within the U.S. market, we observe how clementines experience a two-peaks-two valleys type of landscape in any given year.Clementines, Non-Organic, Monthly Shipments for previous 4 yearsSource: USDA Market News via Agronometrics. (Agronometrics users can view this chart with live updates here)Whatismore, April is one of the three months with the least amount of clementine movement from overseas suppliers (with September & October being the other two). Thus, in the present month we find ourselves on the low point created by the end of the Moroccan season and the very beginning of Chile’s. These two countries are incidentally, the two main sources, providing an outstanding 27% and 55% of the total fruit on the market in 2018, respectively.Table 1, Clementines, Non Organic, Annual US Shipments Source: USDA Market News via Agronometrics. (Agronometrics users can view this chart with live updates here)So with current the gap in supply, and the expected arrival of significant volumes from Chile – as well as potentially Peru as detailed in a recent FreshFruitPortal.com article: Peru expecting 8% uptick in citrus exports – it is only wise to review clementines’ price behaviors to help us better anticipate upcoming price trends.Clementines, Non-Organic, Historic Weekly Prices per KGSource: USDA Market News via Agronometrics. (Agronometrics users can view this chart with live updates here)A glance at historical price trends shows we could very well expect prices to start off around-or-above US$2.50/KG sometime over the next two weeks and stay in that neighborhood until mid-June (weeks 24 & 25) after which a steady price drop is to follow until the Southern Hemisphere’s season ends around late August. And yet, If we step further back and look at the even bigger picture, we can see that U.S. annual sales for clementines are stagnating, if not slightly decreasing. The assumption is that Chile’s skyrocketing production (go back and have another look at Table 1: 24M KG in 2014, 42M KG in 2016, 61M KG in 2018) could be driving average selling prices down.Table 2, Clementines, Non Organic, Estimated Annual Sales 2014134,850,744100.0%24,653,16018.3%41,726,66430.9% Notwithstanding the subtle downward tendency of annual prices for Clementines in the U.S. market, and thanks to reversed Seasons, Chile and Peru still benefit from higher prices than Morocco & Spain, which fall in the (USD/KG) range of US$1.30 – 1.90. Thus, with its soaring annual production and U.S. prices partly lagging, it is no wonder that Chile’s industry is seeking to conquer new markets, particularly in East Asia and Latin America.In our ‘In Charts’ series, we work to tell some of the stories that are moving the industry. Feel free to take a look at the other articles by clicking here.You can keep track of the markets daily through Agronometrics, a data visualization tool built to help the industry make sense of the huge amounts of data that professionals need to access to make informed decisions. If you found the information and the charts from this article useful, feel free to visit us at www.agronometrics.com where you can easily access these same graphs, or explore the other 23 fruits we currently track. Volume (KG)ShareVolume (KG)ShareVolume (KG)Share 2017113,576,904100.0%38,029,82433.5%22,371,55219.7%center_img 2015111,132,000100.0%30,327,69627.3%43,423,12839.1% 2014323,641,7862.40 2015245,601,7202.21 2017232,832,6532.05 2018221,950,3811.97 YEARTotal Global ShipmentsChileMorocco Chile: Fruit exports contract in H1 as leading com … Chile edges closer to Vietnamese market access for … Oranges in Charts: Florida’s volumes fall while Ch … April 16 , 2019 Huge increase in Chilean D’Agen plum exports to Ch …last_img read more

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The latest downloadable customisable marketing co

first_img The latest downloadable, customisable marketing collateral with editable call to action, contact details and logos to distribute to clients, which include print-ready flyers, ads, web banners, emails, posters, toolkits, videos and social media assetsEasy to filter materials within different categories to quickly locate the flyer, email or ad neededSelect and order any Oceania Cruises brochure from the online collectionMeasure performance for email campaigns using the portal’s ‘My Projects’ sectionPersonal support from a dedicated team with guaranteed response within 24 hoursConnection to Oceania Cruises Business Development Manager in local areas. Oceania Cruises has launched its new easy-to-navigate website designed to support Australian travel agent partners and make it simpler for them to explore and promote Oceania Cruises. At 10am AEST today (Thursday 1 June) agents can also take part in an informative training webinar on the Marketing Portal. A range of customisable brand-approved marketing materials, which can be personalised with your company logo and contact details, are easily accessed via a single sign-on for agents, including: agentscruiseOceania Cruisesresourcestraininglast_img read more

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Fairfield by MarriottMarriott International

first_imgFairfield by MarriottMarriott International Fairfield by Marriott, Marriott International’s second largest brand, is celebrating its 30th anniversary year by honouring its heritage that was born at the Fairfield Farm – a ranch in Hume, Virginia, USA, that was purchased by J.W. and Alice Marriott in 1951. Nestled amongst the Blue Ridge Mountains and the Rappahannock River, Fairfield Farm served as a retreat from the everyday chaos, where the Marriott family hosted friends, business associates and dignitaries alike (including U.S. presidents Eisenhower and Reagan) – and seeded the inspiration for the brand’s founding in 1987.In 2017, that legacy has been celebrated with the unveiling of a new brand design and the launch of a global social responsibility initiative to expand upon Marriott’s relationship with Habitat for Humanity.Last week, hotel associates from Fairfield by Marriott Kathmandu, and members of the international press, worked alongside Habitat for Humanity Nepal, helping build a home for a local family in Kavre, an area that was affected by the 2015 earthquake, situated 32km from the capital. “While Fairfield by Marriott has achieved rapid global growth, entering new markets like Brazil, China and Nepal this year, those seeds were planted 30 years ago when the Fairfield Farm inspired a seamless service experience that has helped propel the brand,” said Janis Milham, Senior Vice President and Global Brand Leader, Classic Select Brands. “Now in our milestone year, we’re building onto our foundation of trusted service by unveiling a new modern décor package inspired by our roots.”IMAGE:Fairfield by Marriott Kathmandu hotel associates volunteered alongside international press to build two homes in Kavre, Nepallast_img read more

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A group of Helloworld Travel agents was whisked aw

first_imgA group of Helloworld Travel agents was whisked away on a reward and recognition famil to Bali in July, courtesy of Garuda Indonesia and Qantas Holidays. Staying at the spacious Legian Beach Hotel, Tour East Indonesia and Bali Hai Cruises were also on hand to pull together the famil, giving agentsthe opportunity to take part in a very relaxing and enjoyable experience.The Legian Beach Hotel planted a tree and named it the “Helloworld Tree” to remember the group’s visit.Pictured L-R: Fab Leiva (Air Tickets), Allirra Franks (Helloworld Travel Glendale), Soo Chan (Helloworld Travel Greenborough), Laura Mccann (Helloworld Travel Bunbury), Michael (Legian Beach Hotel), Jana Gee (Helloworld Travel Dunsborough), Rebecca Stevens (Ulladulla Travel), Tanya Van Angeren (Sorrento Travel & Cruise). agentsBali Hai CruisesFamilsGaruda IndonesiaHelloworld Travelhotels Legian Bach HotelQantasHolidayslast_img read more

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cruisePeter Sommer Travelstours

first_imgcruisePeter Sommer Travelstours Cultural tour specialist Peter Sommer Travels is offering a variety of intimate, small-group gulet cruises in the northern summer 2019, led by a range of expert guides, archaeologists and historians, with availability on a select number of tours. Cruising the Aegean: A Family Adventure: Set sail on a family adventure with this eight-day gulet cruise through the beautiful Dodecanese islands. Led by expert guides Heinrich Hall and Dr. Maria Girtzi, learn about the region’s fascinating past through tales of Byzantine holy men, Crusader Knights, Ottoman warriors and more. Visit fascinating locations including an active volcanic crater on Nisyros, the mansion of a Roman aristocrat on Kos and the Cave of the Apocalypse on Patmos. Departing July 27 2019 from £2,895 pp* (approx. AU$5185 per person twin share.)Cruising the Dalmatian Coast: from Dubrovnik to Split: Explore fascinating historical sites and charming seaside villages along Croatia’s Dalmatian Coast on this eight-day gulet cruise, beginning in one of the country’s most popular cities (Dubrovnik) and ending in another (Split). Led by expert guide Filip Budic, visit the islands of Korčula, Vis, Hvar, Brač and Pučišća, all boasting captivating historical sites – from the grand streets of Dubrovnik’s historic centre to the ancient remains of Issa on the remote island of Vis. Departing August 31 2019, from £3,550 pp* (approx. AU$6360 per person twin share). Cruising the Coast of Dalmatia: from Šibenik to Zadar – Home to many of Croatia’s most astonishing historical sites, visit some of the lesser-frequented places on this seven-night gulet cruise of the Dalmatian Coast. Led by expert guide Filip Budic, explore the UNESCO World Heritage-listed site of Trogir, visit the tiny island of Nin (home to one of Croatia’s medieval capitals) and explore the Venetian fortifications of Zadar. Between sightseeing, take a dip in the Adriatic and dine on delicious local cuisine. Departing September 14 2019, from £3,550 pp* (approx. AU$6360 per person twin share).Cruising the Dodecanese: The Dodecanese islands offer an abundance of historical sites, spectacular scenery, wonderful cuisine and beautiful bays. Visit eleven islands in the Dodecanese chain on this 15-day gulet cruise. Led by expert guides Heinrich Hall and Dr. Maria Girtzi, discover captivating archaeological sites including an ancient medical centre known as The Asklepieion in Kos, the medieval fortifications of Rhodes, the Castle of Panteli on Leros and more. Often mooring in secluded cloves, guests can take in the stunning scenery and enjoy swimming in the Aegean Sea. Departing September 21 2019, from £4,250 pp* (approx. AU$7610 per person twin share). Walking and Cruising the Dodecanese: Combine a laid-back gulet cruise around some of Greece’s picturesque islands with exhilarating walks through the fascinating region. Enjoy scenic swims and dine on the delicious local cuisine in between visiting astonishing historical sites. Led by expert guides Dr. Michael Metcalfe and Anastasios Papadopoulos, discover the lesser-known island of Leros and visit volcanic Nisyros plus remote sites on Kos, including the impressive eyrie of Palaio Pili. Departing 28 September 2019, from £2,845 pp* (approx. AU$2845 per person twin share). *Tour prices include transport, accommodation, most meals, crew and guide services, and all entrance fees and tips on excursions. Excludes airfares.last_img read more

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By this time its no secret what the fans Valley

first_imgBy this time it’s no secret what the fans, Valley media, and national pundits think the Cardinals need to do in round one of the 2013 NFL Draft.Sure, the sentiment may be split 50/50 on the Cardinals taking an offensive tackle or quarterback in round one, but that is pretty much the consensus at this point.There is one problem with the pick being a consensus in February though… It’s February, so we have no idea what’s going to happen. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Derrick Hall satisfied with D-backs’ buying and selling Former Cardinals kicker Phil Dawson retires I have broken down the Cardinals’ biggest needs, then taken the time to list the top ten prospects at each of those need positions: quarterback, pass rusher, interior offensive lineman, and offensive tackle, but does that make it a slam dunk the Cardinals go with one of those positions at seven?Let’s look at it another way and suppose the draft’s first six picks go off like this:Chiefs- Geno SmithJaguars- Dion JordanRaiders- Sheldon RichardsonEagles- Luke JoeckelLions- Eric FisherBrowns- Barkevious MingoThat leaves the Cardinals in a bit of a lurch. They could pull the trigger on Lane Johnson, a guy I called the offensive tackle with the most upside in the draft, but taking a guy like Johnson at seven involves all the risk of taking Levi Brown at five.Is that the way GM Steve Keim and HC Bruce Arians want to start their tenure, reaching for a possible need on a very inexperienced left tackle, albeit with a larger upside than Brown had?Then there is the thought of drafting Chance Warmack at seven. No one, and I mean absolutely no one, would be happier if the Cardinals took Warmack at seven, but there hasn’t been a guard drafted in the top 10 in the draft since 1997. Are the Cardinals and this new regime really brave enough to take that leap? 0 Comments   Share   Top Stories Grace expects Greinke trade to have emotional impact That leaves the list of prospects that fit into what the Cardinals want to do as… shallow.I saw the outcry of what even mentioning a quarterback at seven can cause; that doesn’t mean it won’t happen, but let’s leave that discussion for another day.Guys like Bjoern Werner and Damontre Moore won’t fit into the Cardinals’ 3-4 scheme, in my opinion, as I can’t see them being as effective standing up as outside linebackers and they aren’t nearly big enough to work as 3-4 defensive ends.Who are some prospects that could be available at seven if this is how the draft unfolds and the Cardinals aren’t willing to pull the trigger on young Lane or a quarterback?Star Lotulelei, DT Utah 6-4 320lbsWhile many see the defensive line as a strength, the reality is the Cardinals are thin at both defensive end spots after Calais Campbell and Darnell Dockett. Lotulelei has been compared to Ravens defensive lineman Haloti Ngata, and that comparison should make Cardinals fans even more intrigued if they decided to truly go “best player available.”Star would be able to work into the defensive line rotation early and often, working from nose tackle to both end spots, and upgrade a unit that struggled to stop the run consistently. Adding a player like Vaccaro would make the transition from the Wilson era much easier for Cardinals fans, and may actually improve the Cardinals defense.While the three prospects above won’t address the most glaring needs on the Cardinals’ roster, they are all realistic possibilities if the offensive tackles and outside linebackers are gone early and the team’s brass doesn’t see a quarterback worth taking at seven or the value in taking a guard that early. He also would be insurance for the Cardinals if they decided to let go of Dockett after 2013 or refuse to pick up the club option on Dan Williams’ 2014 contract.Dee Milliner, CB Alabama 6-1 200lbsAs the NFL continues in its copycat ways, we will see teams looking to grab cornerbacks with more size and ball skills than turn and run athletes.The Seahawks have perhaps the best secondary in the NFL with this philosophy, and Milliner is that type of corner.Big, long and athletic, Milliner doesn’t have the elite speed of Patrick Peterson or Dominique Rodgers-Cromartie, but he is a physical ball hawk that loves to play press coverage.The Cardinals have needs in their secondary, as only three corners are under contract for 2013, and adding a talent such as Milliner never hurts.Kenny Vaccaro, FS Texas 6-1 218lbsWhile the Cardinals and Adrian Wilson decide on their future together, one has to wonder at what point the team will look to getting a safety of the future on the roster.Kerry Rhodes played extremely well in 2012, but turns 31 in August and is due $6 million in salary for 2013.Vaccaro is the prototype of the new NFL safety.Big, fast and versatile, Vaccaro lined up all over the field for the Longhorns in 2012, even covering receivers in the slot at times. He attacks the line of scrimmage with a Wilson-like fury against the run, and has improved on creating turnovers.last_img read more

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Former Cardinals kicker Phil Dawson retires

first_img Former Cardinals kicker Phil Dawson retires – / 48 “I can’t stop smiling,” Arians said. “Every time we would want a player at a position, the board would just fall for us. I was only in one other draft that was like that and that was last year in Indianapolis.“I had a dream team, they were all there at the right spot. That’s basically how this one fell.”While all nine players had attributes and accolades that made them attractive NFL prospects, Arians admitted he was also enamored by the leadership element — especially from those taken on Day 3.“The theme that keeps running through with each pick, is production and captain,” said Arians. “Every single player we drafted has high, high production and they were captains of their team.”In addition to getting productive guys, Keim said he was thrilled that selections weren’t made out of any sense of desperation.“I don’t think we reached,” said Keim. “As a matter of fact, I think we got great value at every pick.”One position the Cardinals certainly didn’t reach for was quarterback. After making two defensive selections on Day 2, Arizona had a chance to draft the likes of Matt Barkley, Ryan Nassib, Tyler Bray and Tyler Wilson Saturday. The first one is officially out of the way.Nine selections and nearly 48 hours later, first-year head coach Bruce Arians and first-year general manager Steve Keim left the Arizona Cardinals’ 2013 NFL Draft War Room Saturday with smiles on their faces.In all, the Cardinals drafted six offensive players (OG Jonathan Cooper, OG Earl Watford, RB Stepfan Taylor, RB Andre Ellington and TE D.C. Jefferson) and three defensive players (LB Kevin Minter, DB Tyrann Mathieu and DE Alex Okafor). And at least on paper, they seem to have taken more or less who they wanted. 0 Comments   Share   Top Stories center_img Derrick Hall satisfied with D-backs’ buying and selling The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo But it seems the Redbirds are more than happy with their depth behind center.“I know that early on in the process, I had talked about subscribing to the theory of taking a quarterback every year,” said Keim. “I still believe in that. The difference is, our draft picks came through free agency with Carson Palmer and Drew Stanton.“We didn’t feel like that was a necessary move we needed to make.”Keim added that the organization liked four or five different prospects with the No. 219 overall pick, and that his goal is to try and sign those guys, as well as other undrafted free agents before next week’s rookie minicamp. Grace expects Greinke trade to have emotional impactlast_img read more

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Former Cardinals kicker Phil Dawson retires

first_img Former Cardinals kicker Phil Dawson retires Grace expects Greinke trade to have emotional impact Derrick Hall satisfied with D-backs’ buying and selling Comments   Share   It was the first interception thrown by a Cardinals QB this preseason, though according to Cardinals coach Bruce Arians, it wasn’t actually the quarterback’s fault.“We had a miscommunication on a route,” he said. “The receiver should be breaking across the guy’s face, and he went behind him and it’s a pick-six.”The coach made it a point to explain that while the interception is attributed to the quarterback, he actually did what he was supposed to do on the play. Arians, after all, said Palmer, who completed 7-of-19 passes for 92 yards on the night, made a perfect read.Fitzgerald didn’t disagree with his coach.“I didn’t break across the corner’s face, and I’ve got to do that,” the receiver said. “You never can let your quarterback, you know, hang him out to dry, and so I’ve got to do a better job of reading and recognizing the defense and doing what I’m coached to do.”Arians said it is the type of issue the team should not be having at this point in the season, but in reality, in roughly a week’s time the interception will be wiped from the record books like it never happened. “It was just a miscommunication, something that doesn’t typically happen,” Palmer said of the pick. “It’s something that’s come up that’s good because we’ll look at it; we’ll see why that happened and we will move on and get better from it and learn from it. “That’s what you have to do when you make mistakes and things don’t go the way you want them to go on a certain play, you have got to find out why and we’ll move on from there.”Of course, that does not mean Palmer will not (and has not) been criticized for the play — even though it wasn’t necessarily his fault — with Arians saying that’s just how things are in a quarterback’s world. “That’s what it is in the quarterback’s world,” Arians said. “It is what it is.” – / 30 The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Top Stories GLENDALE, Ariz. — Facing a third down and seven at the Arizona 40, Carson Palmer took the shotgun snap, quickly looked to his right and fired a pass down the field to Larry Fitzgerald.The only problem was Fitzgerald was running a different route than Palmer was expecting, and the pass was intercepted by Cincinnati’s Terence Newman and returned 54 yards for a score. It was the only touchdown the Bengals would earn in a 19-13 win over the Cardinals at University of Phoenix Stadium.last_img read more

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Derrick Hall satisfied with Dbacks buying and se

first_img Derrick Hall satisfied with D-backs’ buying and selling After forcing a punt on the 49ers’ first possession of the second half, quarterback Drew Stanton marched the Cardinals on a seven-play, 85-yard scoring drive capped by a 24-yard touchdown pass to rookie John Brown. The Cardinals’ defense then forced another three-and-out and, once again, Stanton led a touchdown drive (aided by back-to-back personal foul penalties on San Francisco) that ended in a scoring strike to Brown.Now down 20-14, San Francisco (1-2) drove to the Arizona 27-yard line early in the fourth quarter, but a 45-yard field goal attempt by Phil Dawson was blocked by Tommy Kelly. The Cardinals got very close to icing the game on their next possession, using a 12-play, 63-yard possession that melted 6:54 off the clock. But on a 2nd-and-goal from the San Francisco 9-yard line, Larry Fitzgerald fumbled after catching a quick slant from Stanton. The ball was recovered by Perrish Cox, giving the 49ers another chance to win.But San Francisco couldn’t escape the shadow of their own goal line thanks to a huge sack by Arizona’s Tony Jefferson, and was forced to punt with under four minutes to play. On the Cardinals’ next possession, Andre Ellington reeled off a huge 20-yard run on 3rd-and-6. Rookie Chandler Catanzaro’s third field goal of the game — a 35-yarder with :29 left — finally did ice it for the Cards, who now have started 3-0 for the second time in three seasons. GLENDALE, Ariz. — Talk about a tale of two halves.The San Francisco 49ers couldn’t be stopped in their first two possessions, marching 80 yards for touchdowns on both. The would take a 14-6 lead into the locker room at halftime.But as they say, pro football is a game of adjustments, and the Arizona Cardinals made enough important ones on both sides of the ball to beat their division foe 23-14 in front of the 87th straight sellout crowd at University of Phoenix Stadium. Former Cardinals kicker Phil Dawson retires The Good: Stanton, making just his second start since 2010 and the sixth in his career, was solid Sunday.After playing the role of game manager last week, Stanton looked more comfortable with the responsibility of making plays. The veteran completed 18-of-33 for 244 yards and two touchdowns. Most importantly, it was the second straight game with no turnovers for Stanton. Brown was also outstanding. The rookie had four catches for 52 yards, and his two touchdowns came just 4:41 apart in the third quarter. For the season, Brown has nine catches and three TDs.And you can’t leave out the Cards’ defensive effort, especially in the second half. Spearheaded by halftime adjustments from defensive coordinator Todd Bowles, Arizona pitched a shutout after halftime and allowed only 38 total yards in the fourth quarter. The Bad: The early-game defense was not good. On San Francisco’s first two possessions, Colin Kaepernick completed 11-of-12 passes for 94 yards and a score, and ran for 44 yards on eight carries. But considering those previously-mentioned adjustments, this “bad” item really falls into the nitpicking category.Noted• Stanton’s first touchdown pass to Brown was his first in the league since December 19, 2010, when he was a member of the Detroit Lions. – / 44 Grace expects Greinke trade to have emotional impact The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo 0 Comments   Share   Top Stories • Brown became the first Cardinals rookie with two touchdown catches in one game since Larry Fitzgerald accomplished the feat back on Dec. 26, 2004 against the Seattle Seahawks.• Kelly’s blocked field goal attempt was the 17th for the Cardinals since 2008 — the most in the NFL during that span.• This is only the third time in Jim Harbaugh’s tenure as 49ers head coach that his team has lost back-to-back games. The other two occurrences both happened in the 2013 season.He Said It:“This is my eighth year in the league and my sixth start and my first one was against (the 49ers) and I got benched. I threw three picks in the first half and got benched, so it felt really good to get out here and get a win. I’ve never been a guy who cares much about my stats; I think I care more about the team and about winning, but that one stung me. I feel like a little bit of a weight came off my shoulder today, without a doubt.” — Drew Stanton on exorcising demons from his first career start in 2009. What’s NextThe 3-0 Cardinals now head into their bye week. They’ll welcome the rest and will use it as a chance to heal some injuries before heading to Denver to face the Broncos on Oct. 5. last_img read more

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