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first_img Banc of California C.D. Davies Caliber Home Loans Inc DS News Hugh Boyle Joe Hixson 2017-03-01 Staff Writer Irving, Texas-based lender Caliber Home Loans Inc. has acquired the residential loan division of Banc of California, a full-service bank based in Irvine, for $25 million in cash. For an additional $36 million, Caliber has also purchased the mortgage servicing rights on about $3.8 billion in unpaid balances of conventional mortgages. Banc of California took a $3.5 million loss on the transaction.The sale includes all home loan assets from the company, including any related to originating, processing, underwriting, funding, and selling residential loans, according to a filing with the U.S. Securities and Exchange Commission.Caliber may also retain many of the Banc of California’s home loan staff, which amounts to nearly 900 employees. The sale cuts the organization’s workforce almost in half.“We expect most of these employees will be retained by Caliber,” said Banc of California Spokesman Joe Hixson.The sale will allow Banc of California to focus more on its commercial banking efforts, according to Hugh Boyle, Interim Chief Executive of Banc of California.“The sale of the mortgage business will align Banc of California’s business profile with that of a more traditional spread-based lender by significantly reducing the bank’s reliance on mortgage banking gain on sale revenue, lowering the risk of MSR valuation changes impacting earnings, streamlining the bank’s operations, and allowing the bank to redeploy capital to our commercial banking business,” Boyle said.The sale comes on the back of a similar transaction between New Residential Investment Corp. and CitiMortgage just last month. New Residential agreed to purchase $97 billion in unpaid principal balances of MSRs from CitiMortgage. The sale is part of CitiGroup’s larger initiative to exit the mortgage servicing sector and focus more on retail banking.“Over the past several years, we have made significant progress transforming our business to deliver a sustainable annuity of growth,” said CitiMortgage President and CEO C.D. Davies. “CitiMortgage remains a critical part of serving our customers, deepening relationships with existing and prospective retail bank clients, and driving growth in our core markets. We will continue to originate loans for current and new clients.” Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Previous: Freddie Mac Hits 10-year Low Delinquency Rate Next: Wells Fargo Wants More African American Homeowners Share Save Tagged with: Banc of California C.D. Davies Caliber Home Loans Inc DS News Hugh Boyle Joe Hixson Related Articles Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Featured, Media, News Aly J. Yale is a freelance writer and editor based in Fort Worth, Texas. She has worked for various newspapers, magazines, and publications across the nation, including The Dallas Morning News and Addison Magazine. She has also worked with both the Five Star Institute and REO Red Book, as well as various other mortgage industry clients on content strategy, blogging, marketing, and more.  Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img The Week Ahead: Nearing the Forbearance Exit 2 days ago About Author: Aly J. Yale Home / Featured / Caliber Acquires Banc of California Mortgage Division Caliber Acquires Banc of California Mortgage Division March 1, 2017 6,514 Views Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago Is Rise in Forbearance Volume Cause for Concern? 2 days ago The Best Markets For Residential Property Investors 2 days ago The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily Subscribelast_img read more

first_imgThe move follows the commissioning of the Cameron LNG project Train 1 in August 2019 Image: Computer rendering of Cameron LNG project. (Credit: Sempra Energy) McDermott International and its joint venture partner Chiyoda International have introduced feed gas to Train 2 of the $10bn Cameron LNG phase 1 project in Hackberry, Louisiana, in the US, marking its final commissioning step.The move follows the commissioning of the Train 1 of the Cameron LNG project in August 2019, following its substantial completion.McDermott North, Central and South America senior vice-president Mark Coscio said: “Congratulations to the entire Cameron LNG project team who continues to make strides on this project and remains focused on providing stellar project delivery as we reach another notable milestone.”Planned to produce around 14 million tonnes per year of liquefied natural gas, the Cameron LNG facility will be developed in two phases and is expected to be one of the largest LNG producers and exporters.Phase 1 of Cameron LNG project will include three liquefaction trainsThe phase 1 of the LNG project will include three liquefaction trains each with an estimated export capability of 12 million tonnes per annum (mtpa), and one new 160,000m³ full-containment LNG storage tank.Additionally, the facility will include refrigerant and condensate product storage tanks as well as a truck loading area.The second phase of the project includes the development of two 4.98mtpa LNG trains along with a 160,000m³ storage tank, two boil-off gas compressor units, two liquid nitrogen storage tanks, and one diesel and one condensate storage tank.The project is jointly owned by Sempra LNG and Midstream with 50.2% sake, Total with 16.6% interest, Mitsui with 16.6% stake, and Japan LNG Investment holding 16.6% interest.Japan LNG Investment is a joint venture between Mitsubishi Corporation and Nippon Yusen Kabushiki Kaisha (NYK).McDermott and Chiyoda are executing the Cameron LNG Phase 1 project under engineering, procurement and construction (EPC) contract worth around $6bn.The second and third trains of the Cameron LNG project are scheduled to come on stream by late-2019 and mid-2020, respectively.last_img read more

first_imgHaven’t we learned anything from the Patriots? Or at least from Star Wars? The Evil Empire can reinvent itself as long as coach/general manager Bill Belichick, a master motivator and brilliant schemer, is still around pulling all the strings like Emperor Palpatine.MORE: Where will Tom Brady play in 2020?Of course, what we know as the Patriots’ version of the Empire might be finished. The greatest quarterback of all time, Tom Brady, is coming off a season of decline at age 42. He wants to keep playing and leading a team to big things in 2020, but there’s a growing chance that team won’t be the Patriots.But we also know when the Empire dies, there’s always room for a First Order to rise. In the case of Belichick’s Patriots, that means doing what they’ve always done with Brady at a necessary higher level of evil — surviving, adapting and adjusting to stay one step ahead of the rest of the league. The Patriots’ NFL playoff run in 2020 was finished as soon as it began. Once 8-0 and looking unstoppable, New England dropped to 12-4 and the AFC’s No. 3 seed before it was promptly eliminated by Tennessee in Saturday’s 20-13 wild-card loss.So the Patriots are no longer alive in the postseason, and their latest chance at repeating as Super Bowl champions is dead. Before they lost to the Titans, everyone was ready to dance on their grave to fit the convenient narrative that their six-ring dynasty will no longer be breathing. The Patriots have had their share of Death Stars blow up, including Spygate and Deflategate. They have been gutted with mass departures before. They are facing more fallout from Spygate 2, Bengate, Bengalhazi or whatever they’re calling this Cincinnati videotaping thing. They’ll simply try to blast the league more with Star Destroyers instead of archaic battle stations. (Getty Images) https://images.daznservices.com/di/library/sporting_news/a6/98/bill-belichick-010520-getty-ftrjpg_t4wvmaqdwsy1193m9mlmv9qr5.jpg?t=1952203527&w=500&quality=80 In addition to Brady, Belichick could move on from or lose a few key players from his critical linebacker corps. There’s a real chance, after losing assistants Matt Patricia and Brian Flores to head-coaching jobs in consecutive years, that offensive coordinator Josh McDaniels once again will follow suit.This time, Belichick might need to go through personnel and staff changes he has never before endured. Then again, when the Patriots were winning their first three Super Bowls, they were doing it with completely different coordinators and players around Brady.The NFL is typically cyclical for contention. The Patriots have defied that trend by consistently staying on top for so long, a stretch in modern American pro team sports that may never be duplicated. Having Brady excel year after year has been a big part of that. But so has been Belichick’s ability to keep finding the kind of role players to “do their jobs” at every other position.MORE: Brady-led Pats will leave complicated legacyFans of the Ravens, Chiefs and Texans, three teams that beat the Patriots late in the regular season to derail New England’s playoff hopes, might be first in line to pay their last respects. They hope to become the new Colts, Steelers and Broncos, the three AFC teams that most interrupted and thought they ended the Patriots’ run of rings.But those teams can relate to the challenges Belichick faces. The Ravens flipped to become a different kind of contender under John Harbaugh, with Lamar Jackson’s team not resembling the one of Ray Lewis, Ed Reed and Joe Flacco. Andy Reid, who got his Eagles to the Super Bowl against the Patriots, has found his new muse with the Chiefs in Patrick Mahomes. The Texans had their playoff moments with a Matt Schaub-led offense and are now carried by Deshaun Watson.There’s no indication that Belichick, 67, plans to hang up his hoodie anytime soon. He loves coaching and competition too much. He embraces challenges and will work even harder to prove his immense, unprecedented coaching success is not solely tied to Brady. (Getty Images) https://images.daznservices.com/di/library/sporting_news/8d/cb/belichick-brady-121019-getty-ftrjpg_1do8mq0byxei11sijywa5mihnw.jpg?t=-252177842&w=500&quality=80 In the 100-year history of the NFL, few teams have dominated as much as these Patriots. That success naturally has led to more people wanting to bury them than caring to praise them. Beyond the perception of cheating the system in some form, part of the former is the fact that the Patriots can be, well, a bit Belichickian boring.Don’t expect the Patriots to conveniently roll over and die. Save the eulogies until the Emperor has vanished. Because this Patriot Way may not go away as fast as you would like.It’s more likely to find a new way to compete for a ring that makes us all hate and appreciate Belichick at a new level.last_img read more

first_img“We have made many early season mistakes but learn everyday,” Mace added.The lone games have come against Mead Panthers of Spokane.LVR,0-5 to start the season played a doubleheader against the Spokane powerhouse in mid-March.The Bombers travel to Priest River, Idaho for its next game Tuesday (April 9).To help offset the expensive costs of travelling the Bombers joined forces with Scotia Bank employeesto raise more than $3900 during a car wash fundraiser March 24 at the Nelson Car Wash on Nelson Avenue.Following the Nelson tournament, the Bombers have two road trips to Grand Forks and Lethbridge, Alta., to conclude the spring high school season. The boys of summer have began quest for the Major League Baseball title and so have the L.V. Rogers Bombers on the High School Baseball circuit.The Bombers have been playing teams south of the 49th parallel to prepare for the annual LVR Invitational April 19-20 at Queen Elizabeth Park in Fairview.”So far the only days the team has been outside on a field is when we have played in Spokane,” said Bomber head coach Ron Mace.last_img read more

first_imgEAST LANSING, Mich. — Very much ingrained in Draymond Green’s identity is his passion for Michigan State. Now, seven years after Green left East Lansing for the NBA, Michigan State showed him the ultimate sign of appreciation on Tuesday when they retired his No. 23 jersey.Joined by family and friends, Green was honored during a ceremony at halftime of a nationally televised matchup against Duke. During the PA announcer’s introduction, Green walked around the sideline and hugged several …last_img read more

first_imgMaterialsThe materials you can use to bounce light vary greatly — sometimes, the locations themselves determine what you can use: a ceiling, white muslin, foam insulation. Typically, when you’re using bounce sources, you’ll want to ensure that the bounce won’t affect the color quality of your light. For example, if you’re in a room with slightly yellow walls, once you bounce your light off of them, your lighting become slightly yellow, too.If you want to bring in your own bounce material for more color control, one of the best (and easiest) things you can use is white foam insulation from any home improvement store. This versatile material is easy to work with, and it can even help you bounce the sun to even out your lighting. This material has become a filmmaking staple, and you’ll find it on practically every professional set.Bounced lighting can really improve the look and feel of your work. It’s super easy to work with, and in many cases, it doesn’t cost you anything. Essentially, bounced lighting boils down to understanding that the larger the light source, the softer its spread.Looking for more info on lighting? Check out these articles.Production Tip: Why Reducing Light Is as Important as Adding ItWhat You Need to Know About High Key vs. Low Key LightingCinematography Tip: Lighting Your Production with the Inverse Square LawLearn How to Enhance Your Film with Ambient LightThree Ways To Light A Tent Scene On a Low Budget Bounce LightBouncing light is the process of redirecting a main light source onto a reflective or “bounce” surface, essentially taking your spotted and harsh light and turning it into an area light. You can bounce light off of anything from a white wall to a drop ceiling to a piece of white bead board. By bouncing your light onto a new material, this material becomes the larger light source — not the lighting fixture. Bounced light will usually be “larger,” creating a much softer throw and spread. Which makes it more pleasing to the eye.Limited SpaceBounced Light is perfect in small spaces that can’t accommodate a lot of equipment. Let’s say you’re shooting in a cramped office environment. You barely have enough room to set a light, let alone fly in a 4×4 frame of diffusion material. To combat this, you can easily bounce your lighting.By simply shooting your light into the ceiling or onto an adjacent white wall and using that as your light source, you fill the room with a beautiful, soft, and even bounced light. This is an incredibly simple process that can produce outstanding results. Even a simple bounced source can make the lighting on your subject far more cinematic. Bounced light can soften your lighting without the use of diffusion materials, flags, or extra stands. Take a look at how it’s done.Cover image via Komsil.Bouncing light is a fascinating-yet-simple concept that can instantly elevate your cinematography. In this article, we’ll take a look at how bouncing light can help improve your shoot in ways you haven’t even considered.last_img read more

first_img Essential Reading! Get my first book: The Only Sale Guide You’ll Ever Need “The USA Today bestseller by the star sales speaker and author of The Sales Blog that reveals how all salespeople can attain huge sales success through strategies backed by extensive research and experience.” Buy Now It starts with an email. Well, not really an email from you, but an email from marketing made to look like it was from you. That email ended up in a spam filter, and your prospective client deleted it, along with a few more that looked a lot like it. This is the starting point of the experience, and it offers no real chance for the establishing of a relationship.It continues with another email. Like the email before it, there are links, the clicking of which is alleged to provide an indication of honest to goodness interest in you and your company. So far, the experience hasn’t been too great for you or your prospective client.In an act of desperation, you call your prospective client, and you leave a message asking them to call you back and leaving your phone number. For some reason, you have decided to give the task of connecting with you to the person you are actually trying to sell. No one understands why they should have to return a salesperson’s call, and your client, unmoved, deletes your voice mail.Back to email. Nothing. Back to voice mail. Nothing. Then, an answered telephone. Yes!You ask your prospective client if you can stop by, introduce yourself, and share all the ways that your company helps their clients, along with the story about how they hung both the Sun and the Moon in the sky. Your prospective client, with the slightest bit of interest, agrees to a meeting.You show up prepared. You have your slide deck, and you have your talking points. You also have questions you intend to use to elicit your prospective client’s needs. She says, “Tell me a little about you and your company.” You launch PowerPoint, and you begin at the beginning, history, buildings, locations, logos . . . your client, stifling a yawn, feigns interest. Then, you ask, “So, what keeps you up at night?”Fortunately, your prospective client has real issues, and she hopes you can help. So she lays out all of her challenges. Lacking an SME, you take meticulous notes, promising to get back to your prospective client with some answers, and you promise to schedule an appointment to bring someone with you to your next meeting. Your client asks, “Can you send me a proposal and some pricing?” You, anxiously agree.You send the pricing and the proposal by email, as requested. Your client gives it a very quick glance, and she leaves it in her inbox. She’s not sure she likes it. She’s not sure she doesn’t like it. She doesn’t know if she wants to show it to the rest of her team, or the leadership team who would need to approve any decision to buy from you.So, not hearing anything, you take the bold move of sending an email to follow up.This is a cautionary tale. There are good reasons for you to control the sales process, and chief among them is the buyer’s experience buying from you.last_img read more

first_imgIndia off-spinner Harbhajan Singh was on Wednesday served a notice by the Commissionerate of Central Excise and Customs here for evading service tax on his income from the second and third season of the Indian Premier League.Harbhajan, who represents Mumbai Indians in the IPL, has been issued notices for his role in advertisements, rental incomes and his participation in the first and second seasons of the high-profile league, said Charanjit Singh, commissioner of CEC, Ludhiana.Singh said that Rs 1.8 crore as taxable amount is recoverable from Harbhajan on account of his income from the IPL.Details regarding his rental income from Mumbai Indians and income from advertisement have been asked from his chartered accountant who appeared on Harbhajan’s behalf before the assessing authority.Similar notices have been served to Punjab XI players Karan Goyal and Gagandeep Singh (both from Ludhiana), Sarvjit Singh (Jalandhar) and T P Singh (Amritsar).Singh said that the notices have been issued as IPL was primarily a business promotion venture and the department did not accept it as a sporting event.Earlier, the Chandigarh Commissionerate had issued a similar notice to Yuvraj Singh, another Kings XI player, for recovery of Rs 1.15 crore, including interest and penalty, as service tax dues.- With PTI inputslast_img read more

first_img John Stones looks for answers after losing Matthijs de Ligt for the Netherlands equaliser. Photograph: Tim Goode/PA “It’s difficult to know why individual errors like that could happen,” Southgate said. “I can only say that to play the way we want to play takes courage and, when it doesn’t work, it’s very difficult for the players. It’s easy to turn round and kill them. But we have some defenders who are prepared to take the ball in areas where many defenders in the world aren’t. It’s been the bedrock of how we have progressed and we have to continue it, but of course we can’t make the mistakes we did.”Southgate was not just referring to Stones when Ross Barkley, dropping back from his midfield role, was also culpable for the third Netherlands goal. Yet the manager made the point that the nervousness spread once Stones had presented the ball to Memphis Depay in the buildup to England going 2-1 behind. Stones also lost De Ligt at the corner from which the Ajax centre-half headed in the equaliser and that, for Southgate, was another disappointment.“I’d have to go back through the footage but they were too strong for us from set plays all night,” he said. “We had others cleared off the line and in [Virgil] van Dijk and De Ligt we knew they had two players who attack the ball really well. We weren’t able to cope.” Pinterest Share via Email Read more Share on Messenger Read more Twitter Share on WhatsApp Topics That sounded like fair comment, for the most part, other than the perception that Stones is still at an age when people should be talking about his “potential” and, therefore, excused the occasional lapse in concentration. The same used to be said of Rio Ferdinand in his younger years and Matthijs de Ligt’s mistake to give away the penalty for England’s goal was another case in point. Yet the issue here is that Stones is 25, six years older than De Ligt, but still worrying a selection of different managers because of his tendency to overelaborate, to lose the ball in dangerous areas and endanger his team. John Stones Frenkie de Jong writes Netherlands script while Stones fluffs his lines Hodgson agreed very matter-of-factly that, yes, it was time for Stones to buck up his ideas Stones did start 20 league games for City last season, compared with Vincent Kompany’s 13 or Nicolás Otamendi’s 14, and there was only Aymeric Laporte, with 34, from Guardiola’s list of centre-halves who began more. Yet Stones did not play a single minute of City’s four knockout ties in the Champions League, as if Guardiola did not fully trust him in the key assignments. He was a 79th-minute substitute in the FA Cup final and was not even in their squad, uninjured, on a few occasions, at a time in his career when he must have hoped he would be a mandatory pick in City’s defence.Southgate’s hope is there will be more opportunities for Stones next season, particularly with Kompany leaving the club to become Anderlecht’s player-manager. Yet there is also the strong probability City will go back into the transfer market to sign a replacement for their captain.“I think we have to wait and see how that emerges,” Southgate said. “At the beginning of the season he [Stones] was playing in all the big games. That hasn’t been the case towards the end. But I still think Stones and [Harry] Maguire are our best two and I have to be there to support them in their difficult moments.” Gareth Southgate There was a time, early in Gareth Southgate’s reign as England manager, when he made a point of telling his players that if they were not appearing for their club sides they could not expect to hold down their positions in the national team either.Over time, that policy has clearly been abandoned as Southgate, like many of his predecessors, has realised it sounds good in theory but is not so easy in reality when he, for example, is an admirer of Fabian Delph, whose contribution for Manchester City in the Premier League since Boxing Day amounted to a 10-minute substitute appearance during a 3-0 win at bottom-of-the-league Huddersfield. Share on Facebook To play the way we want to play takes courage. It’s easy to turn round and kill the playersGareth Southgate Share on LinkedIn features Facebook England England look to Harry Winks to transform midfield exposed by De Jong Southgate was unwilling to add to the criticisms but perhaps he was also unaware, when asked whether the time had been and gone since Stones should have grown out of these kind of errors, that the previous two England managers, Sam Allardyce and Roy Hodgson, had faced the same question during their time in charge. In Hodgson’s case, more than once – to the point he agreed very matter-of-factly that, yes, it was time for Stones to buck up his ideas.The current manager put it more sympathetically. “He knows that I am here to support him,” Southgate said. “I know he is going to get criticism, and he’s had a difficult end to the season in that he was not playing regularly at his club. We still think he has been our best centre-back, that he has huge qualities and huge potential to be a top player, but he had so little football at the end of the season that the sharpness and fatigue as the game wore on were definitely factors.” Share on Pinterest On that basis, perhaps there can be a little empathy for John Stones on the back of his accident-prone performance in England’s defeat by the Netherlands in their Nations League semi-final. If those mistakes were a symptom of rustiness, who can really be surprised when Stones has started only three league fixtures for the champions since 10 February? If his confidence is low – or, at least, not as high as it could be – is that such a shock when his longest run of 90-minute league performances under Pep Guardiola last season amounted to a three-match sequence against Liverpool, Burnley and Spurs in October? Stones has just finished the season with winner’s medals from an unprecedented domestic treble but, in another sense, his vulnerability in Guimarães summed up what has been a difficult season for him personally, particularly since the turn of the year. Share on Twitter Reuse this contentlast_img read more

first_imgCalipari tweets about Andrew Harrison following the NBA draft.Calipari’s NBA Draft RecapThe NBA Draft came and went last night and, once again, it was full of Kentucky players. Karl-Anthony Towns went No. 1 to Minnesota, Willie Cauley-Stein went No. 6 to Sacramento, Trey Lyles went No. 12 to Utah, Devin Booker went No. 13 to Phoenix, Andrew Harrison went No. 44 to Phoenix and Dakari Johnson went No. 48 to Oklahoma City. Only one of the Wildcats’ seven draft entrants went unselected: shooting guard Aaron Harrison. Following the draft, Kentucky’s John Calipari, who was in attendance in Brooklyn, tweeted about his former players. He says Aaron Harrison “will be fine.” Six guys get drafted and tie a record, four lottery picks, and another No. 1 pick – it’s been another unbelievable night.— John Calipari (@UKCoachCalipari) June 26, 2015I’m proud of the guys. Our job as coaches is to help these kids realize their dreams. I’m so happy that a lot of lives were changed tonight.— John Calipari (@UKCoachCalipari) June 26, 2015I’m disappointed Aaron didn’t get drafted, but he will be fine. He will be on a summer league team fighting for a position on an NBA team.— John Calipari (@UKCoachCalipari) June 26, 2015How many Kentucky players will get picked in the 2016 NBA Draft?last_img read more