Back-to-School bedtime schedules

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After a fun-filled summer of late nights and even later wake up times, what’s a parent to do? We caught up with Mark Stephens, MD, pediatric medicine at Florida Hospital, to give us some tips on re-establishing bedtime schedules.“Children need much more sleep than adults as it’s crucial to their brain and body development,” he explains. “Children who sleep longer have been found to perform better in class and are also more likely to be a healthy weight.”Start early“It is no surprise that long summer vacation breaks often gets kids out of their sleep routine. So naturally the first step is getting them back into their pre-vacation daily routine, and starting the back-to-school schedule early is as important as the routine itself. Researchers have suggested starting this process two to three weeks prior to the start of school, which provides sufficient time to re-orient them back to the school-day schedule.”Get back into routine“I think one of the biggest myths out there is that kids will just go to sleep when they’re tired and that they don’t need a fixed bedtime. This is like assuming that children will stop eating ice cream when they’re full! Having a predictable routine is essential for every family. The odd late night aside, the routine of going to bed and getting up at the same time is even more important for kids.”Reinforce the routine and articulate the rules“As important as it is to get back to the normal routine, it’s just as important to stick to those routines. After returning, remind kids of their bedtime routine and stick to it strictly especially for the first week or two after vacation. Use positive language not just about the vacation, but also about how nice it is to be home. “Isn’t it great to be back in your own bed with your animals?” Additionally, the adults in the house need to be on the same page so everyone can enforce the rules and routine. Explain to kids (even the little ones can understand) that their vacation was a special treat, and now that we’re home, everyone is expected to return to the house rules. Write down the rules and routine to remind older kids.”Clear your schedule“It’s common practice in our clinic to remind families not to plan any activities late in the day for the first several days after returning from vacation. The goal is to keep life as simple as possible and stay close to home. This enables the evening routine to be calm and gets kids ready to go to bed on time.”Dr. Stephens: “As important as it is to get back to the normal routine, it’s just as important to stick to those routines.”Time your meals“We have longed known that when you eat affects your internal clock. So as best as possible, aim to eat at the same time daily to steady your internal clock and regulate your sleep.” Also, avoid sugary drinks and juice at least two hours before bedtime, as these can make kids hyper.Give extra attention“While not strictly scientific or linked to sleep issues per se, I do think that kids get used to having more of our attention when we’re on vacation. Of course that changes when we return and our jobs and daily lives limit the amount and the quality of time we spend with the little ones as compared to when we were away.As a result, some kids may seek that extra time with their parents during the night or at even at bedtime. Therefore, it may benefit the entire household if parents can try to pay a little extra attention to the kids in the daytime if possible or plan some special time for the weekend and discuss that with their kids during the week so they have something to look forward to.”Use light and dark to reset your body clock“Our bodies needs light in the morning to set our bodies on to alert mode, so soaking up the morning sunshine upon awakening is definitely beneficial. The opposite is true in the evening; we should aim to dim the lights at home at least an hour before bed, and switch off all the TVs and laptops. There is vast research data that show that electronics in bed emit a type of blue light that can trick our brain into thinking it’s daytime. So be sure to avoid using your smartphones and tablets in bed.”Expect some setbacks“Try to manage your own expectations as the parent. As kids adjust to life at home again, they may wake during the night or very early in the morning. If you as the parent suffer from jet lag, assume your kids are suffering even more. While these disruptions may be frustrating, it’s normal and kids take a few days to a couple of weeks get back on track.” UF/IFAS in Apopka will temporarily house District staff; saves almost $400,000 Gov. DeSantis says new moment-of-silence law in public schools protects religious freedom From Florida Hospital – Apopka Please enter your name herecenter_img Please enter your comment! Florida gas prices jump 12 cents; most expensive since 2014 TAGSBack to school bedtimesFlorida Hospital – Apopka Previous articleFlorida Officals: Voting equipment safe from internet hackersNext article“Therapeutic Cannabis” now being used by Central Florida cancer patient Denise Connell RELATED ARTICLESMORE FROM AUTHOR LEAVE A REPLY Cancel reply Save my name, email, and website in this browser for the next time I comment.last_img read more

The Beaumont House / Henri Cleinge

first_img Canada 2011 Year:  The Beaumont House / Henri Cleinge photographs:  Marc CramerPhotographs:  Marc CramerSave this picture!© Marc CramerRecommended ProductsDoorsVitrocsaGlass Technology in Hotel BeaulacDoorsJansenDoors – Folding and SlidingWoodEGGERLaminatesDoorsStudcoAccess Panels – AccessDorText description provided by the architects. Inspired to create a home to be experienced by all five senses, the Beaumont concrete house evolved as an exploration project. The design, understated, is situated in a mixed use neighborhood where residential duplexes coexist with small to midsize industrial buildings.  Save this picture!© Marc CramerDespite the project’s integration, a number of features distinguish the project from other buildings in the area. In contrast to the superimposed typology of apartment units located on the ground floor and second floor, the Beaumont house challenges this spatial composition by creating a modular square plan where one unit is situated on the ground and second floor, and a second unit is located on the second and third floor. This spatial tour de force is a response to the program and sun movement, allowing each unit exposure to three orientations rather than two and to take full advantage of southern sunlight. Save this picture!© Marc CramerThe house most noticeable feature, however, is the fact that nearly all exterior walls are built out of concrete exposed to the interior and the outside, with insulation in the middle. Combining rich primary materials to large modular square volumes filled with an abundance of natural light, the house contains a series of framed experiences.  Save this picture!© Marc CramerThe central space is the largest volume where a double height living room is defined by concrete and wood surfaces which foil off each other. The softness of the walnut cabinetry and the cedar ceiling contrast the hard textured concrete walls. The pallet of materials is reduced and disciplined. Cedar ceilings and concrete floors are used throughout. Secondary elements such as Walnut furniture with black granite surfaces are also featured. Save this picture!SectionProject gallerySee allShow lessCABII House / Nacho Carbó arquitectoSelected ProjectsFilms & Architecture: “North by Northwest”Articles Share Projects ArchDaily Area:  3200 ft² Area:  3200 ft² Year Completion year of this architecture project 2011 The Beaumont House / Henri CleingeSave this projectSaveThe Beaumont House / Henri Cleinge ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/334164/the-beaumont-house-henri-cleinge Clipboard Photographs Houses CopyHouses•Montreal city, Canada “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/334164/the-beaumont-house-henri-cleinge Clipboard Save this picture!© Marc Cramer+ 21 Share Architects: Henri Cleinge Area Area of this architecture project Year:  “COPY” CopyAbout this officeHenri CleingeOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesMontreal cityMontrealHousesCanadaPublished on February 20, 2013Cite: “The Beaumont House / Henri Cleinge” 20 Feb 2013. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogAluminium CompositesTechnowoodWood Siding in KSR Villa BodrumPlasticsMitrexSolar SidingMetal PanelsAurubisOxidized Copper: Nordic BrownEnclosures / Double Skin FacadesCupa PizarrasCupaclad® 101 Random in Les PalmiersUrban ApplicationsIsland Exterior FabricatorsPublic Safety Answering Center II Envelope SystemConcreteKrytonConcrete Hardening – Hard-CemSkylightsVELUX CommercialModular Skylights – Ridgelight 25-40°Porcelain StonewareGrespaniaPorcelain Tiles – Coverlam ImperialWindowspanoramah!®ah! Vertical SlidingFastenersSchöckConcrete Façade Fasteners – Isolink®CarpetsFabromont AGTextile Floor Covering – Arena®CoatingsFormicaLaminate – ColorCore®2More products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

The Fundraiser magazine to be free online

first_img  362 total views,  6 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis36 AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis36 The Fundraiser magazine is from today being published online with no charge for access.The Fundraiser was first published in 2011 by Wilmington Publishing and Information Ltd, which offers a range of charity sector titles and services including Charity Choice, Smee & Ford, and CaritasData.It has published Charity Choice, the directory of charities, in print since 1988. The online version was launched in 1998.In 2006 the company introduced a free online donations service in partnership with the Co-op Bank.The print magazine of The Fundraiser features interviews, news, how to guides, case studies, content from the Institute of Fundraising, and an Ask the Experts feature. The entire archive of published articles, including the latest January issue, will be published for free online.Tanya Noronha, publisher for Charity Choice, said:“We are always looking for more ways we can support charities and the important work they do. We decided to take The Fundraiser magazine online so that it would be free for all charities to access, meaning we can help a wider range of people and encourage more sharing within the sector.”  361 total views,  5 views today Advertisement The Fundraiser magazine to be free online Tagged with: Wilmington Publishing About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. Howard Lake | 28 January 2014 | Newslast_img read more

Digital agency launches free digital training for charities

first_imgDigital agency launches free digital training for charities AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis15  357 total views,  3 views today Tagged with: Digital Training About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. Howard Lake | 27 September 2017 | News Google AnalyticsFacebook adsEmail marketingCommunity buildingSocial mediaHow to plan a digital campaignParticipants will also be able to review a recording of the training.The first course starts on 26 October 2017 and registration for Control R is open now.  358 total views,  4 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis15 Charity digital specialists Platypus Digital are to run free online training in digital marketing for charities. The course programme, Control R, will provide essential digital skills for charities in the UK and for nonprofits around the world. Over 400 people have signed up already from charities in the UK, Ireland, Canada, USA and Australia.The training sessions will take place on the webinar platform Zoom. They have been developed for:digital teams who want to brush up on digital skillsnon-digital teams who want to increase their digital knowledgeanyone who wants to use digital to increase the impact of their workManaging Director of Platypus Digital, Matt Collins, explained that the agency has already trained over 100 UK charities in person. He added: “We now want to bring those skills to nonprofits wherever they are in the world. This integrated course will give students a solid overview of the modern digital skills they need to do their work in 2017.”What the course coversSkills to be covered include: Advertisementlast_img read more

Detained immigrants defy with hunger strikes

first_imgOver 100 immigrant detainees in Alabama and California are continuing a surge of hunger strikes that began in March 2015 at U.S. Immigration and Customs ­Enforcement (ICE) internment camps.On so-called Thanksgiving Day, almost 50 prisoners at the Etowah County Detention Center started “refusing food to denounce the inhumane treatment they endure in these facilities where their human dignity is ignored by the ICE agenda and immigration detention system.” (facebook.com/shutdownetowah)The Adelante Workers Center of Birmingham, Ala., held a demonstration on Nov. 30 in support of the Etowah strikers at the detention center located in Gadsden, Ala. (adelantealabama.org)According to Detention Watch Network, Etowah is one of the worst internment camps in the U.S. due to restricted access for visitors at its remote location, solitary confinement, poor or no medical care, lack of access to pro bono lawyers, no recreational facilities and rotting food.The Etowah strikers were joined by other detainees at the Otay Detention Center in San Diego, the Theo Lacy Facility in Orange County and the Adelanto Detention Center in San Bernardino County, Calif. Many of the striking detainees are from Bangladesh, Pakistan and Afghanistan, crossing the Mexican border to the U.S. Some have been in detention for over two years, despite having passed initial interviews for asylum and having committed no crime. (notonemoredeportation.com)The detainees issued the following demands: “End to all detentions and deportations. End to the ICE detention bed quotas. End to indefinite detention. Release on parole or supervision for all asylum seekers held for more than 6 months. Improved conditions in detention (discipline, food, clothing, access to phones, medical access).”“Bed quotas” refers to a little-known Homeland Security policy requiring ICE to keep an average of 34,000 detainees per day in custody. The quota guarantees hefty profits for the 30 privately owned immigrant detention centers housing 49 percent of undocumented detainees.Human suffering sparks fightbackThe two largest for-profit prison companies are the Corrections Corporation of America and the GEO Group. (Washington Post, Oct. 13, 2013)Inhumane conditions at the for-profit and state detention centers have sparked near constant resistance since March 2015. That month, mothers in the Karnes County Residential Center in Texas went on a work and hunger strike, demanding to be freed with their children.In September, a hunger strike, work stoppage and other forms of resistance by multinational detainees at the Stewart Detention Center in Georgia were put down with SWAT-team force by CCA prison management. Stewart is one of the largest detainee centers with 1,800 beds. CCA earns $60.50 per day per Stewart detainee and pays as little as a dollar a day for the “jobs” they do. (Workers World, Sept. 22)In October, South Asian detainees stopped eating at the El Paso County Detention Facility in Texas. A few days later, other South Asian immigrants in solidarity began to refuse food at the LaSalle Detention Center in Louisiana.At the end of October, women at the T. Don Hutto Facility in Texas began a hunger strike. In early November, over 400 men and women were on hunger strike at Adelanto in California.The U.S. has the largest immigration detention infrastructure in the world, put in place after ICE intensified the hunting of human beings for deportation in 2003. Now the U.S. detains an average of 425,000 immigrants every year. ­(detentionwatchnetwork.org)In October 2015, almost 5,000 unaccompanied migrant children were detained at the U.S. border with Mexico, almost double the number seized by ICE in October 2014. The number of family members crossing together, and jailed by ICE, almost tripled from last year. Most came from the Northern Triangle region of El Salvador, Honduras and Guatemala. (telesurtv.net)Those detained by ICE include all nationalities, sexualities and genders.Undocumented trans activist Jennicet Gutiérrez interrupted a June reception for “LGBT Pride” given by President Obama to make this point. She added her resistance to that of undocumented detainees, saying in a later statement:“Transgender immigrants make up one out of every 500 people in detention, but we account for one out of five confirmed sexual abuse cases in ICE custody. … The violence my trans sisters face in detention centers is one of torture and abuse. … There is no pride in how LGBTQ immigrants are treated in this country and there can be no celebration with an administration that has the ability to keep us detained and in danger or release us to freedom.” (Washington Blade, June 25)FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Social media post helps former TCU Showgirl launch a jewelry and clothing line

first_imgFacebook Previous articleWhat we’re reading: COVID-19 vaccine opening to all Texas adults, Colorado shooting suspect namedNext articleHoroscope: March 24, 2021 Lindsey Bakonyi RELATED ARTICLESMORE FROM AUTHOR Twitter Linkedin TCU baseball finds their biggest fan just by saying hello Lindsey Bakonyihttps://www.tcu360.com/author/lindsey-bakonyi/ Facebook + posts ReddIt TCU Frog Camps returning to more traditional look this summer Lindsey Bakonyihttps://www.tcu360.com/author/lindsey-bakonyi/ Lindsey Bakonyihttps://www.tcu360.com/author/lindsey-bakonyi/ Linkedincenter_img World Oceans Day shines spotlight on marine plastic pollution Twitter TCU student helps open up a new coffee shop in Fort Worth First-year experience at TCU ReddIt printA TCU alumna was able to start a jewelry company after a social media post of a bracelet she made led people to ask her about where she got it.Lauren Godby, who graduated with a strategic communication degree in 2019, started her company, LoJewels, after people started commenting on her VSCO photo. “I knew that this was the start of something special, so I took advantage of the opportunity to grow my successful business over the course of the past four years,” Godby said. During her time as a student at TCU, Godby was a TCU Showgirl and heavily involved in Greek life. Godby never expected her business to grow as much as it did while she was at TCU and now that she has graduated, her business has skyrocketed even more.LoJewels Instagram account on 3/18/2021. (Lindsey Bakonyi/Reporter)After getting her start on social media, the same platforms have been the main resource that has helped Godby’s business grow over the past couple of years. She tries to post on Instagram at least once a day and does monthly giveaways to try and increase her active followers and have people interact with the business’s account. Along with increasing the interactions, social media helps Godby build loyalty and trust with her customers “Maintaining trust, value, and consistency with our audience is of the utmost importance to the brand,” Godby said. “We strive to communicate to the customer whenever they might have any questions, concerns, etc., and this creates more of a trusting relationship between us and the consumer.”Godby said along with having an active social media following, word of mouth has helped grow her business as well. “Initially when Lojewels started, the TCU college-age group was our main audience, but this quickly expanded way beyond the TCU girls,” Godby said. From a post to a full-time job LoJewels has successfully sold to all 50 states in the U.S and has even made sales outside of the country. Some of their products can also be found at a local Fort Worth shop, Three Boutique. LoJewels sells a variety of unique items such as clothing, art and jewelry. Their scarf tops have continuously been a bestseller as well as their butterfly art which Lauren’s sister, Kristen Godby,  designed and created herself. “I own a couple of scarves from LoJewels that I like to wear for game days. They are great quality and I like how they have tutorials on Instagram on how to style the scarves in different ways so it looks like you aren’t always wearing the same top,” Sarah Miller, a TCU junior psychology major said. Although LoJewels has gained popularity and become a successful business, it is still running out of Godby’s house and is family-operated with Godby and her mom doing most of the work. Her sister Kristen also helps as much as she can while still being a full-time student at TCU. LoJewels has become Godby’s main job and source of income but she also runs her own photography business, Lauren Godby Photography. Godby has hired interns in the past to help with daily tasks and manage some of the engagement on the LoJewels Instagram. You can find LoJewels on Instagram @LoJewels, as well as shop their products at www.lojewels.org. Lindsey Bakonyihttps://www.tcu360.com/author/lindsey-bakonyi/ TCU places second in the National Student Advertising Competition, the highest in school history Lindsey Bakonyi Lojewels at a pop-up shop event last year. (@Lojewels/instagram) Welcome TCU Class of 2025last_img read more

Limerick joins forces on Atlantic Corridor taskforce

first_imgPredictions on the future of learning discussed at Limerick Lifelong Learning Festival WhatsApp RELATED ARTICLESMORE FROM AUTHOR TAGSAtlantic Corridor Taskforcelimerick Facebook Limerick Ladies National Football League opener to be streamed live Linkedin Limerick’s National Camogie League double header to be streamed live Print NewsLimerick joins forces on Atlantic Corridor taskforceBy Staff Reporter – March 9, 2017 992 center_img Advertisement Previous articleLimerick man made Order of the Star of ItalyNext articleGardai seize €850,000 cocaine and heroin Staff Reporterhttp://www.limerickpost.ie Limerick Artist ‘Willzee’ releases new Music Video – “A Dream of Peace” A NEW Atlantic Corridor Taskforce will contribute to effective regional development by creating sufficient scale along the western part of Ireland to match other regions – and particularly the East coast – in attracting Irish and multinational investment, growing jobs and supporting vibrant local communities.That is according to An Taoiseach, Edna Kenny and Minister of State for Regional Economic Development at the Department of Arts, Heritage, Regional, Rural and Gaeltacht Affairs, Michael Ring who launched the taskforce as a collaboration between the Chambers of Commerce of Limerick, Shannon, Ennis, Galway, Roscommon, Mayo, and Sligo and the American Chamber of Commerce.Sign up for the weekly Limerick Post newsletter Sign Up The Taskforce will provide a platform for collaboration between stakeholders from the private sector, the public sector and the wider community, to identify how best an economic corridor can be created along the Atlantic seaboard, while ensuring that it is aligned with the new National Planning Framework.Minister Ring said that there is huge potential in the area covered by the proposed Atlantic Economic Corridor and vital that we work together to create new opportunities for rural communities in the region.As part of its remit, the taskforce will have a number of key objectives.The taskforce will provide a platform for engagement between stakeholders from the private and public sectors and the wider community;Conduct a detailed analysis of the potential of the region and the issues that need to be addressed to maximise that potential.Identify short-to-medium-term actions which can be taken to reach the longer-term goals of the Atlantic Economic Corridor, and work collectively to implement those actions. Twitter WATCH: “Everyone is fighting so hard to get on” – Pat Ryan on competitive camogie squads Email Billy Lee names strong Limerick side to take on Wicklow in crucial Division 3 clashlast_img read more

Free wifi

first_imgFacebook Email NewsCommunityFree wifiBy Bernie English – March 23, 2018 1378 Advertisement RELATED ARTICLESMORE FROM AUTHOR Predictions on the future of learning discussed at Limerick Lifelong Learning Festival Limerick Ladies National Football League opener to be streamed live Limerick’s National Camogie League double header to be streamed live Limerick Artist ‘Willzee’ releases new Music Video – “A Dream of Peace” Billy Lee names strong Limerick side to take on Wicklow in crucial Division 3 clashcenter_img Previous article623 students take part in Young Social Innovators Speak Out in Castletroy Park HotelNext articleSecond Level Students from Limerick selected to take part in Fashion Design Work Shop Bernie Englishhttp://www.limerickpost.ieBernie English has been working as a journalist in national and local media for more than thirty years. She worked as a staff journalist with the Irish Press and Evening Press before moving to Clare. She has worked as a freelance for all of the national newspaper titles and a staff journalist in Limerick, helping to launch the Limerick edition of The Evening Echo. Bernie was involved in the launch of The Clare People where she was responsible for business and industry news. Print BROADBAND access is the subject of a call from Sinn Féin MEP Liadh Ní Riada, who is urging communities across Limerick to register for the WiFi4EU scheme. The Ireland South MEP, who played a leading role in making the project a reality, was speaking as it was announced that the initiative is now open for registrations. The scheme will see free public Wi-Fi hotspots installed in communities across the EU. “It is a fantastic development for citizens throughout Europe and as it is being delivered on a first come first served basis I would urge as many Irish communities and businesses as possible to register for it,” she said.For more community news click hereSign up for the weekly Limerick Post newsletter Sign Up Twitter TAGSbroadbandfreelimerickSinn FeinWiFi Linkedin WATCH: “Everyone is fighting so hard to get on” – Pat Ryan on competitive camogie squads WhatsApplast_img read more

Siding with CFPB

first_img A district judge in Pennsylvania has made an important ruling in favor of the Consumer Financial Protection Bureau (CFPB) recently, according to a report (Case: Consumer Financial Protection Bureau v. Navient Corp. et al., case number 3:17-cv-00101, in the U.S. District Court for the Middle District of Pennsylvania).Navient is a loan servicer which holds a U.S. Department of Education contract for over $300 billion in federal and private student loans for over 12 million accounts. The CFPB brought suit against Navient in January on the grounds that the lender gave customers incorrect information about repayment plans, failed to respond to borrowers’ complaints, made it difficult to lower payments, and even applied payments to the wrong accounts.What’s interesting in this suit isn’t that the CFPB brought action against a nonmortgage servicer, but the precedent that could potentially have been set if U.S. District Judge Robert D. Mariani had sided with Navient’s argument.Essentially, Navient made claim that the CFPB lacked the authority to bring suit against the servicer because the CFPB, at its very nature, was unconstitutional, mostly due to the fact that its structure interferes with Article II of the U.S. Constitution and the President’s authority to control the agency’s leadership and funding.However, Judge Mariani sided with the CFPB, showing that the constitutionality of the CFPB had already been examined in other areas, and that since its budget was controlled by Congress and the Consumer Financial Protection Act, rules could be changed through different, legislative means.Further, Judge Mariani cited other independent agencies that operated completely outside the normal annual appropriations process, which include the Federal Reserve Board of Governors, the Federal Deposit Insurance Corporation, the National Credit Union Administration, Farm Credit Administration, and Public Company Accounting Oversight Board. Siding with CFPB in Daily Dose, Featured, Government, Headlines, News The Best Markets For Residential Property Investors 2 days ago Tagged with: CFPB District Court Home / Daily Dose / Siding with CFPB About Author: Joey Pizzolato Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Related Articles 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] Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days agocenter_img Subscribe CFPB District Court 2017-08-08 Joey Pizzolato The Best Markets For Residential Property Investors 2 days ago  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: Flagstar Announces new Leader to Mortgage Business Next: Fighting Off Foreclosures Sign up for DS News Daily Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago August 8, 2017 1,524 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days agolast_img read more

ARMS Vs. FRMS—Which Loan Comes Out on Top?

first_img The Best Markets For Residential Property Investors 2 days ago CoreLogic Delinquency Rate Loan Performance Insights Report loans 2017-10-18 Staff Writer CoreLogic’s Archana Pradhan released a blog post Wednesday titled “Comparing Performance of Adjustable-Rate Mortgages and Fixed-Rate Mortgages” which cited data collected from CoreLogic’s Loan Performance Insights Report released in June 2017. Based on that data, the rate of serious delinquency was 1.9 percent, dropping 0.6 percent in the overall rate compared to the same time last year. Regarding adjustable-rate mortgages (ARMs) and fixed-rate mortgages (FRMs), the data shows a significant difference in delinquency rate.ARMs landed at a 5.2 percent delinquency rate while FRMs were at 1.8 percent, a three-fold difference. The rates for both ARMs and FRMs are near a 10-year low and both experienced a drop compared to June 2016. According to CoreLogic, loans originating between 2003 and 2008 make up the bulk of the delinquency rate. Over 90 percent of ARMs considered seriously delinquent originated between 2003 and 2009, compared to the 3 percent that were delinquent between 2010 and 2017. The correlation also exists with FRMs in the same time frame, with 61 percent and 28 percent of delinquent loans originating from 2003-2009 and 2010-2017 respectively. CoreLogic notes the delinquency rate is largely influenced by loans made prior to 2010, so using the rate to compare how newer ARMs’ perform relative to FRMs may provide misleading results.The report also mentions notable trends among serious delinquency rates of conventional loans by vintage. For example, as ARMs and FRMs began to enter 2009, their performance improved, which Pradhan attributes to tightened underwriting standards after the economic recovery in mid-2009. Loans also originating in 2016 performed the best with the lowest 15-month delinquency in 10 years.Delinquency rate for ARMs was higher than the rate for FRMs before 2010, but as the option for ARMs and interest-only ARMs succeeded, the pattern reversed. CoreLogic attributes this to the Ability-to-Repay and Qualified Mortgage standards eliminating risky products. ARMS Vs. FRMS—Which Loan Comes Out on Top? Sign up for DS News Daily Tagged with: CoreLogic Delinquency Rate Loan Performance Insights Report loans  Print This Post Previous: Federal Reserve: What’s the Status of the Economy? Next: Mortgage Delinquencies Experience First Increase in Seven Years Home / Daily Dose / ARMS Vs. FRMS—Which Loan Comes Out on Top? About Author: Staff Writer Share Save in Daily Dose, Featured, Foreclosure, Journal, Market Studies Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days agocenter_img October 18, 2017 1,866 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles Servicers Navigate the Post-Pandemic World 2 days ago The full report and vintages are available here.    Demand Propels Home Prices Upward 2 days ago 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 Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Subscribelast_img read more