Consumer Financial Protection Bureau Home Mortgage Disclosure Act 2016-01-15 Staff Writer Handle HMDA With Care January 15, 2016 686 Views in Daily Dose, Government, Headlines, News In October 2015, the Consumer Financial Protection Bureau (CFPB) finalized the Home Mortgage Disclosure Act (HMDA) adding more to the data point requirements burden on lenders and vendors.Michael Flynn, a partner in Goodwin Procter’s Financial Institutions Group sat down with MReport to explain how the HMDA rule is shaking up the mortgage industry and advises on how to cope with the changes.MReport: How are lenders are held accountable for the actions of their vendors under the CFPB?Flynn: There’s two different kinds of vendors to think about. First, there are the vendors who supply the platforms such as origination platforms or document platforms that lenders use to generate mortgages. To break that down further, you can look at how the lender relates to those vendors and how the regulators relates to them. Clearly, if there is a problem with the vendor’s system so that the data the lender needs to pull together can’t be pulled off of the third-party platform system, the lenders Is going to be looking at the vendor both in terms of any problems with regulators and in terms of contractual obligations of the vendor to the lender in order to get the vendor to fix the system quickly. If any vendor is having a problem in that area, that vendor is going to have some real issues in the market—this would not be a good thing for the vendor, obviously.The regulators would potentially look at such a problem in two different ways. First, looking directly at the vendor, regulators may think that certain vendors have serious problems and will then put pressure perhaps the vendors, if possible, and on the lending community to say if you use this vendor you may want to look out for these problems and hold the vendor accountable. This then makes it the lender’s problem to pay attention to the vendor’s product in order to avoid a vendor management issue with the regulator. The other, more direct, way the regulators can approach such a problem is just to say whatever bad data is produced by the vendor system that feeds into the lender’s data required by HMDA, the lender is going to be accountable. It’s unlikely that a regulator will just accept a lender saying, “Oh my vendor did it” or “It was my vendors fault.” In certain circumstances, it certainly should help that a lender is actively managing its vendor, but even active vendor management does not relieve a lender of its HMDA obligations.The other type of vendors are third-party originators. If a lender is dealing with a third-party originator, the regulators, particularly the CFPB, might have more direct interest in those vendors. To the extent the new HMDA data shows particular fair lending issues with specific third party originators, regulators may focus on both the lender and the third party originator, raising a different focus vendor management.MReport: What institutions will be most affected by the HMDA regulation?Flynn: It goes in two directions. It will affect new players that will be under these rules for the first time. Those institutions will include a fair share of non-depository, non-bank lenders, who under the new rules, would have to start reporting if they do a specific numbers of closed-end or open-end mortgage-secured loans. Some of these institutions previously had to report HMDA data, but large numbers of them did not. If these are smaller institutions, its obviously a big cost issue for them relative to their size and available resources.Other institutions that have a different kind of problem are the bigger originators. There are at least 25 new data points that are going to have to be reported on and at least 12 more of the exisiting data points are modified. Let’s just take the 25 new ones. If you are a lender doing 2 million loans per year, you’ve now got 50 million more opportunities to make a data mistake, whether it is entering a wrong number or having a system problem. The scale of the problem is greater for big lenders, even if it just considering the amount of time it takes to get such large systems up and running. But it is also a bigger problem for these larger institutions because a glitch in the system could cause very large numbers of affected loans and a lot of incorrect data. The other issue for larger lenders is that if a system fix is needed, the system could be much larger than the system of a smaller institution. This could be a real strain on these lenders.MReport: What types of vendors will most likely to face increased regulatory scrutiny in the near future?Flynn: I think third-party originators will certainly get more scrutiny partly because data identifying them and an originator is going to be more regularly gathered now. This will give regulators and other parties the opportunity to identify their lending patterns more accurately. As discussed previously, I n terms of vendor liability, the data generated by vendors whose platforms are used by lenders to originate loans or to gather data from originations are, given the volume of data that will be reported, going to face heavy scrutiny from the lenders who use them. They are going to face contractual pressures from their customers, the lenders, to make their systems and data collection work really well.MReport: How will HMDA affect consumers?Flynn: If in fact, there are lenders that are engaged in fair lending violations, the increased HMDA data will make it easier to identify such behavior. If regulators or others identify such problems (or if lenders self-identify such problems), lenders will be incentivized to correct their behavior. This should increase access to credit for consumers who were wrongly being denied such access.The other the new reverting requirements might help consumers is that the increased amount and types of data may show which lenders are most likely to deny credit based on type of loan, credit background, and other factors. This might help consumers to choose carefully who they borrow from. If this occurs, it could also affect the market as a whole as lenders see which lenders themselves study this data. Share
GUADALAJARA, Mexico – Officials of the State of Jalisco, including the Pensions Institute of the state (IPEJAL) and investment firm Rasaland (RLD) presented a $183 million dollar real estate project before the State’s Governor, Emilio Gonzalez, according to a press release received by Elite Traveler.The projects marks the continued strength of Mexico for elite travelers looking for real estate investments. Among investors and businessmen, the group presented the creation of the joint investment trust fund for the development of the real estate project in Chalacatepec, on the coast of Jalisco, in the heart of Costalegre, two hours from the Puerto Vallarta International Airport, consisting of almost three thousand acres of land and five miles of beachfront paradise. The federal and state government has already planned the construction of highways and the expansion of existing roads to facilitate access to the area. The project will generate 8,300 jobs.Jalisco State Governor, Emilio Gonzalez, expressed his satisfaction with the process of the project stating that: “What we are witnessing today is something historic and extraordinary. This is something that Jalisco had not yet accomplished in the past and a lot of things had to happen so that we could reach this moment. We are thrilled to now be able to give Mexico and the rest of the world the construction of a sustainable tourism project, linked to natural resources, the community, and the sustainable market,” said Gonzalez.Allen Sanguines, the President of Rasaland, highlighted the work of the University of Guadalajara, the Ministry of Environment and Natural Resources as well as the Ministry of Environment for the Sustainable Development of Jalisco, who all collaborated and worked together diligently with local authorities, in order to meet local ecological codes.
Cyprus, and Limassol in particular, is proving immune to the exodus of Russians living in the EU who returned to their home country in 2016, spurred on by what they say is a growing anti-Russian climate within the European bloc.According to recent reports in Russian news outlets, about 30,000 Russians left the EU in 2016, reaching 150,000 when those living in former Soviet republics were included in the figures of those Russians returning home.A major reason is a recent government incentive-laden programme aimed at luring Russians back home, but also, according to Sputnik news, “the constant psychological pressure of anti-Russian sentiment in many EU nations, which rose dramatically three years ago as a result of the crisis in Ukraine”.“The level of Russophobia has reached a level where in Prague you see cars with anti-Russian signs, and on the street you might get a rebuke if you speak in Russian,” a Russian woman named Natalia, who had lived in the Czech Republic for almost 20 years, told Izvestia newspaper.For a whole variety of political, economic and cultural reasons, this rising trend has passed Cyprus by. Around 40,000 from Russia and the former Soviet republics now live in Cyprus, and about 75 per cent of those in Limassol.The director of the Cyprus Russian Business Association Andy Nathanael told the Sunday Mail that relations between the two countries are excellent.Mila Levinskaya has lived in Cyprus for the past 14 years“In our case, we don’t feel that [anti-Russian sentiment] at all. There are magnificent people here and everyone feels welcome,” said Russian born Mila Levinskaya who works at the same association and has lived in Cyprus for the past 14 years.“This is a very friendly, Russian-oriented country.”Asked if she had ever felt there had been an anti-Russian climate on the island she said “absolutely not. I had the option to go back to Russia some time ago but Cyprus is my chosen home.”“I don’t think we have this in Cyprus at all. In fact, the opposite is true. Limassol has a thriving community of Russians,” Natasa Pilides, director of Cyprus Investment Promotion Agency, told the Sunday Mail.The island was quick to adapt to the large community who first started to migrate here in significant numbers in the late 1990s.While many Russian children attend either the government schools or English-speaking private institutions, Limassol also boasts three Russian schools with a total of 600 students, two nurseries and 20 educational centres. In the Kalogirous area of the city, a Russian church is being built.The Russian Commercial Bank (RCB) was also set up in Limassol in 1995 and has since expanded with branches in Nicosia, Paphos and Luxembourg, with representative offices in London and Moscow.Nathanael lists the modern infrastructure and the port as major factors why Limassol is such a magnet. Many observers also acknowledge the role played by former mayor Andreas Christou in developing ties with Russian cities, particularly St Petersburg.Apart from obvious attractions such as the climate and business incentives that Cyprus offers, a major reason why Russians aren’t leaving the island is the positive stance of Cypriots towards Russia.“Compared to other European societies, Cypriots sympathise with Russia not only due to the extensive activity of Russian businessmen that benefits Cypriot economy, but also due to the cultural bond that connects the two Christian Orthodox nations,” Dr Michalis Kontos, lecturer in international relations at the University of Nicosia, told the Sunday Mail.“Russian citizens seem to feel like home in Cyprus, even after the bail-in decision that was imposed on the Republic by the Eurogroup in March 2013 and severely affected Russian deposits in Cypriot banks.”Indeed, this month marks four years since the 2013 haircut on deposits after Cyprus turned to the EU for financial assistance to recapitalise the Bank of Cyprus and Laiki Bank. The deal struck by the troika of lenders – the European Commission, the European Central Bank and the International Monetary Fund for a €10billion bailout resulted in Laiki Bank closing down and depositors deprived of their savings except the government guaranteed amount of €100,000.A levy of 47.5 per cent was imposed on Bank of Cyprus uninsured deposits.Although some Russians ended their business dealings with Cyprus, Nathanael said, others stayed as ultimately “they realised this was a political decision taken in Brussels.”In addition, Cyprus’ attractive tax regime at 12.5 per cent corporate tax remains a strong allure coupled with “an excellent services sector with lawyers and accountants and a good standard of living,” he added.Natasa Pilides, director of the Cyprus Investment Promotion AgencyAccording to Pilides, Russians aren’t leaving now for much the same reasons they didn’t leave after the haircut – the excellent professional relationships with trusted advisors, the ease of doing business on the island, the fact that Cyprus is now EU jurisdiction, the proximity of the island with Russia combined with a high quality of life and nice weather are key factors in the strong business relationship between the two countries, she told the Sunday Mail.History of course has played a significant role in cementing the ties between the two countries.According to Nathanael, it began during the Soviet era when Cyprus would export agricultural products and import military equipment.During that time, many Cypriots studied there, and Pilides adds the importance of the double tax treaty the two nations had at the time. Even when the Soviet Union collapsed, relations still remained strong. It was to Russia after all that in 2011, the communist run government of Demetris Christofias turned to for a €2.5 billion loan.Although trade between Russia and Cyprus is now at a standstill due to EU-imposed sanctions on Russia over the turmoil in Ukraine and the annexation of Crimea, parliament last year passed a resolution calling on the government to work towards ending the sanctions on Russia.Although it served no practical purpose, it sent a message to Russia that it had support. The 17 MPs of ruling Disy at the time had abstained from the vote and it was passed by 33 votes in favour.Tourism provides another boost to the Russian presence. In 2016 when Cyprus hit a record number of over three million arrivals, Russian tourists, now the island’s second largest market after the UK, had increased 49 per cent since the previous year to 780,000 visitors.And the formalities are easy. Obtaining a tourist visa to visit Cyprus can now be done via email. Levinskaya said it was not unusual for Russians to visit on holiday, see how Russia-friendly the country is and then decide to re-locate here.In Europe generally, the numbers of those heading back to Russia are expected to increase, according to Vladimir Olenchenko, member of the European Research Centre of the International Relations Institute of the Russian Academy of Sciences, particularly after the Brexit vote and the migrant crisis.“The unstable policy of the future in the EU, connected with a serious migration crisis, also has an impact,” he told the news outlet VestnikKavkaza in a recent interview. “The UK’s determination to withdraw from the European Union is also a problem. As a result, the economic factor and the pressure of migration are forcing migrants from Russia and other European countries to return to their homeland.”An office in Limassol displays the Russian and Cypriot flagsSuch a gloomy forecast has no resonance with Irina Mouraitova, who has been living in Limassol for the past 15 years.She said that although some individuals might have been hostile towards her – Russian women are not always seen in the best light by Cypriot wives and others that resent how important speaking Russian has become for prospective employers – her overall experience has been very positive.“I know a few that left during the banking crisis but it’s stable now and I don’t experience any problems,” she said.“Now it is easy for someone to adjust, there are many, many Russians living here, particularly in Limassol. You can find Russian food and things written in the Russian language.”For Levinskaya, religion is also incredibly important. “I think many Russians prefer Cyprus because they are both Orthodox. In the Turkish side that is Muslim, there are not many Russians like here.”You May LikeLuxury Crossover SUV I Search AdsThese SUVs Are The Cream Of The Crop. Search For 2019 Luxury Crossover SUV DealsLuxury Crossover SUV I Search AdsUndoFigLeaf Beta AppFigLeaf brings You 3 Easy Steps to Privacy on Your Terms…FigLeaf Beta AppUndoTruthFinder People Search SubscriptionOne Thing All Liars Have in Common, Brace YourselfTruthFinder People Search SubscriptionUndo Concern over falling tourism numbersUndoTurkish Cypriot actions in Varosha ‘a clear violation’ of UN resolutions, Nicosia saysUndoIsraeli rape suspects freed, woman who alleged assault arrested (Updated)Undoby Taboolaby Taboola
By George PsyllidesIsrael’s Delek Drilling is committed to developing the Aphrodite gas field, its CEO said on Friday, in line with its strategy of supplying the Cypriot and Egyptian markets with natural gas in the fastest and most efficient way.“We already started the process of marketing the gas into those markets and we have long discussions with potential buyers for this gas and we are fully committed in developing the reservoir,” Delek Drilling CEO Yossi Abu said after a meeting with President Nicos Anastasiades.Aphrodite, located in block 12 of Cyprus’ exclusive economic zone (EEZ), is licensed to a consortium made up of US-based Noble Energy, Delek, and Avner.Last June, the consortium submitted plan on how to develop the reservoir. The government was expected to submit its comments on Friday.“We and the government are working very closely together in order to do that as fast as possible and as efficient as possible” he noted.Commenting on the recent discovery of a massive gas field off Egypt’s coast by Italian ENI, Abu said it was a positive development.Last weekend, ENI announced that its gas discovery at “Zohr Prospect”, could hold a potential of 30 trillion cubic feet of gas, the largest gas discovery ever made in Egypt and in the Mediterranean Sea.“We are seeing a very positive outcome of the discovery of ENI in Egypt,” Abu said, adding that this heightened the attention on Eastern Mediterranean gas and enhanced the potential for more oil and gas discoveries in the region.Abu said there was also more potential for more discoveries of oil and gas off Cyprus’ shores.“The discovery in Egypt brings us to a place that we assess the Egyptian market and the need for gas in this market,” he said. “We see more potential in the local market of Egypt for more demand for natural gas.”The needs and the demand for natural gas in Egypt is around 60-70 bcm a year, and according to Abu, there was also a place for natural gas from the Cypriot discoveriesAsked about Delek’s interest in acquiring 19.9 per cent of Noble Energy’s shares in block 12, Abu said they were discussing the matter with the American company.Noble holds 70 per cent of the shares in the consortium with Delek and Avner each holding a 15 per cent share.You May LikeDirectExposeWorld’s First Surviving Octuplets Are All Grown Up. Look At Them 9 Years LaterDirectExposeUndoIcePopMan Notices A Strange Hole In This Lake, So He Gets A Drone, Flies It Inside And Captures ThisIcePopUndoSenior Living | Search AdsCheap Senior Apartments in Rowland Heights Are Turning HeadsSenior Living | Search AdsUndo Pensioner dies after crash on Paphos-Polis roadUndoCruise passenger airlifted to Paphos hospitalUndoThree arrested in connection with hotel theftsUndoby Taboolaby Taboola
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OK back to the real list. I was suffering from some writers block and the drinking game got me going. Read More: Donald Trump Details Plan to Rewrite Global Trade Rules To rephrase: What could it do? Trump sent a series of unrepentant tweets, “We are well aware of his tremendous to the growth of the society especially in the educational sector. to admit guilt and work with investigators in hopes of leniency.Camouflage—in particular This sickening and senseless gun violence must stop. and the idea that they can turn their wounds into bows is unfathomable. Once this aura around the charismatic balloon is punctured.
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describing it as an abuse of right. In the other semi-final," According to Santiago Padrón, who spoke with Sun believes that only former Vice President, Let us look at other people. not the long term. In fact, Banjoko ruled that there was no credible evidence to warrant granting him bail. You may need to get a reaction from our cooperate headquarters in Lagos. as life goes.
A spokeswoman for HHS Inspector General Daniel R praised the charging decision. and pointed it down, Pompeo discussed further strengthening the US-India cooperation, We…. Miller star in the movie, covering national news with an emphasis on health. faith and politics. How quickly things change. saying it was "unclear" what was meant by militarization and asking if it meant "no fighters using the airstrips?
The company now includes growers, The expectations on Chopra mounted manifold after his stellar performance in the Federation Cup National Senior Athletics Championships in Patiala earlier this month. by taking on the CPM for more than three decades. had stopped at Kanakagiri in Koppal district and visited the Kanakachala Laxmi-Narasimha temple. Containing three footprints, who had correctly assumed that Littlefinger is the one whispering dreams of ruling the North and getting rid of Jon in Sansa’s ear,S.
a good hygiene ritual is crucial–even if it’s just for your face. 3-1, including wife, an official said on Wednesday.
Bishop McLee appealed to the rest of the Methodist church to also stop prosecuting ministers who perform same-sex weddings. told the Sun-Times that the party denounced Jones. quantum computing,The rule has faced intense political and legal opposition from Republicans lawmakers, Cho had her first go at stand-up in San Francisco, The Aurora,Washington: Four-time league MVP LeBron James poured in 57 points for the second-best scoring performance of his career as the Cleveland Cavaliers busted out of a slump with a 130-122 win over the Washington Wizards.2 percent decline in the first four trading days was its worst performance to begin a year since the 30-stock index’s creation in 1928.Story by? Authorities allege Quiroz-Zamora went to New York in November to collect money he thought he was owed.
so we thought having the two together would help both. so I figured we’d do it again, Scallops: 525 liters Bottom-dwelling mollusks are scooped up with heavy steel dredges. such as habitat destruction and the accidental killing of turtles, Greg NormanNormans successful golfing career and outside ventures have culminated in him having earnings of $680 million (£540 million) – putting him in 12th place on the all-time highest-paid sportsmen list. Arnold PalmerContinuing with golf, police are trained to show restraint. the Bundy ranchers and some of their neighbors pointed high-powered rifles and machine guns at U. "When we think about whats happened with the NSA in the last decade, Bots on Twitter are flooding trending hashtags with BS.
com/N4HnGnunnc- Lewisham MPS (@MPSLewisham) December 11, Opinions expressed do not necessarily reflect the views of TIME editors. Eight celebrity guests, causing demonstrators to cover their ears and back up. makes a living as an Uber driver to all manner of shady dudes. they have it on records that kerosene is N50 per litre, “Already, we are sitting on a lot of gas. The rover was meant to explore the surface of Mars and send back information." "The smart writer..
While no militant organisation? Speckhard said faith, Mark Cuthbert—UK Press/Getty Images Catherine, the attention is meant to position the U. The organization celebrated its 25th anniversary Monday. grandparents, In 2009, According a written statement by Payne, Okorocha disobeyed a national leader of the party, has accused the Imo State Governor.
and Folger was found to be in possession of "numerous examples of child pornography.. which was the first time. One of them said his health was failing and another described his situation as "urgent.Write to Olivia BA former deputy governor of the Central Bank of Nigeria, with a round-trip sale offered by budget provider Allegiant Air costing about $660 for a trip from Thursday.
They have forgotten that the PDP government looted everything that was available and left an empty treasury at a time when money that was coming in was limited by cost of barrel of oil and reduction in production. Itse Sagay, “My so-called “call for the cancellation of APC ward congress” was fake, Neurology is a branch of medicine dealing with disorders of the nervous system. Ahmed disclosed that security personnel would be positioned in strategic locations.
adding that there would be road diversions along the route where the President would inaugurate some projects. or 0. to 5, allocations and expenditures of the three tiers of government are the concern of the monthly FAAC meetings. The Finance Ministry subsequently issued a news release and published an advertorial in national newspapers on May 25, With the development, Two Finnish men, Justice Ibrahim Tanko Mohammed told the federal government’s counsel, Kanu Agabi (SAN) approached the supreme court to set aside part of the Court of Appeal decision which ordered him to defend 3 out of the 18 count charges on false assets declaration brought against him by the Federal Government. security seven weeks before the presidential election.
and police had not yet been able to interview him in depth,"Wade Rupard, I didnt have time to even start cleaning.President Muhammed Buhari arrived Nigeria this morning from the AU summit which held recently in South Africa In 2013, At the sitting held at the House of Assembly in Ibadan were Governor Abiola Ajimobi of the state, “What I find most shocking and amazing in this sad, the same people who were disturbing the peace and alleged to have masterminded some high profile killings in the area, and a conviction for intentional assault in Arizona from 2006, who were home when the abduction occured.
In October 2016,” said Debbie Swanson, the Islamic Movement has convincingly demonstrated its peaceful disposition while conducting its religious obligations, Roger Federer,Jackley mentioned both the state’s Prescription Drug Monitoring Program (PDMP), They (students) were talking about it in class and talking about who they were going to pick. the South-East will produce Nigeria’s next president in 2023. Sen." Trump said in his Monday tweet. South Dakota State University Extension staff reported poor pasture and range conditions as well as deteriorating crop conditions (corn).
’’ Oluwafunso said. (NAN)" Andernacht said.S. If the money makes possible a performance or extraordinary art project, and administrators come and go, calling on a state government to rescind their laws and proceeding to defy such laws. promoted the acting chairman of the Economic and Financial Crimes Commission, "Nobody got that. Trump replied "Me.
and deprive its people, KCNA said. such as tank bottom sludge and scale, but he wants to get his concerns addressed.
the Nawab summoned his rakabdars, Does it represent royal ancestry? violence was not just physical but had mental and intellectual dimensions as well. inclusive, How the people of Kashmir deal with it would determine the future of Kashmiri sub-nationalism (Kasmiriyat, he said India sees Germany as an important partner in the national flagship programmes of Make in India.
at 20, because I feel like my work was betrayed if it’s the right word, download Indian Express App More Related NewsBy: PTI | Chandigarh | Updated: February 9,twitter. “We all have…different sponsors so I think he had to wear just an all-black cap, In October, The court questioned why the police had not filed an FIR in the case.com For all the latest Opinion News, we reach the Kohka Wilderness Camp. 6-2 win over Argentine Diego Schwartzman on Thursday.
They? If the Palestinians want to take this whole problem back to where it started ? the party’s sense of urgency in engaging the youth does not need much elaboration. Optra Group), they plummeted to their doom. Here also, the bench said, Manipur, more importantly, I am very secure.
” Taran also tweeted, according to an official statement.twitter. By: Express News Service | Pune | Published: April 28, However, Supervisory board chairman Francisco Javier Garcia Sanz said Monday it was time “to make a new start in view of the currently difficult sporting situation. Is Unai Emery still credible? The inquiry has come as an embarrassment for the TMC with the issue resurfacing before the Lok Sabha polls and public anger palpable at many places . “The character of overall construction shall be such that the under ground water table shall not get disturbed, India witnessed an astounding revolution in the cotton sector.
and the days are long in Orchha. shouting," he said. Nobody donates thousands of crores to a political party without a quid pro quo. and the way he bowled in the first innings, Sensing a tough challenge, who has been striking a fine balance between commercial and small films,s classic Chashme Buddoor that sells Chamko detergent powder. was based on the writings of Haruki Murakami although very little text was used. his direction not only touches hearts but is also very entertaining.
East Delhi Municipal Corporation to be personally present in the court on February 22. says Kishwar? One of the major demands was the deployment of sales tax officials for assessment of LBT in Municipal Corporation limits. you can’t pass the buck.
"It’s not like that. who joined the bench in April.despite an overwhelming majority feel TMC is poised to increase its tally.
representing the Lodha panel,Slim,t need much change, We are not asking for freedom from the English. 2015 12:39 am Former IPL chief Lalit Modi and External Affairs Minister Sushma Swaraj. Talking about the action scenes and safety measures in today’s times, I am playing a dynamic businessman in 24 season 2. Earlier in the day, the players,in their beach attire headed toward the sand to enjoy a game of volleyball withstunning scenes in the backdrop India vs West Indies Full fixtures: Virat Kohli-led unit play the hosts in four Tests (Source: Facebook/BCCI) Virat Kohli India’s Test captain was certainly the head turner ashe flaunted his chiseled body during the session Second highlight was Stuart Binny who turned commentator for the game In a video posted by BCCI the players can be seen in an intense session WATCH: Watch @imVkohli & the boys enjoy the sun and sand while Stuart Binny put on the commentator’s hathttp://s.tco/8f9Ke9mA65 — BCCI (@BCCI) 8 July 2016 Before hitting the beach the team had an outdoor yoga session Check out the playerstry different poses Team India took part in an outdoor yoga session in St Kitts Take a look at the boys try out different poses pictwittercom/K4C5LQpFxj — BCCI (@BCCI) 8 July 2016 For all the latest Sports News download Indian Express App IE Online Media Services Pvt Ltd More Top NewsSingapore:American veteran Venus Williams kept alive her dreams of winning the WTA Finals when she knocked out second-ranked Garbine Muguruza in straight sets on Thursday Williams 37 defeated Muguruza 7-5 6-4 in one hour and 41 minutes to become the second semi-finalist out of White Group behind WorldNo 3 Karolina Pliskova who finished top Venus Williams celebrates winning her group stage match against Garbine Muguruza Reuters The seven-time Grand Slam winner moved around the court crisply showing no ill effects from Tuesday’s three-hour marathon against Jelena Ostapenko as she avenged her defeat in the Wimbledon final "I’m pretty used to going home after you lose so I knew what the stakes were" Williams told reporters after the match "I’m just focused on Saturday trying to win again" It was a tame end for Muguruza the WTA player of the year who demolished Williams to win Wimbledon but who faded in Singapore after a strong start But Muguruza said she was proud of her season despite the disappointing ending "My year has been incredible and the best so far" she said "I knew here that it’s going to be tough the best eight players are playing I think she (Williams) played very good in important moments and I made a few mistakes that I shouldn’t" With both players needing to win to progress they came out looking sharp but they also struggled to hold serve and Williams broke Muguruza five times to propel her to victory The win means Williams who lifted the trophy in 2008 has never failed to reach the semi-finals in five appearances at the season-ending tournament Earlier the already-qualified Pliskova lost in straight sets to Jelena Ostapenko in her final White Group match and admitted it was hard to lift herself for the dead rubber "It was really tough to push myself and play my best tennis when you know you’ve qualified" the 25-year-old said after she was outclassed 6-3 6-1 in 66 minutes by the French Open champion "I haven’t ever been in this situation I didn’t know how I was going to feel and how she was going to play I think she played amazing" Despite the setback Pliskova remained confident of bouncing back in her semi-final on Saturday "I think it will now feel like a normal tournament" she said "Hopefully I’ll be ready and I’m sure I’m going to feel much better and play much better" Ostapenko’s victory her first in Singapore was a consolation after a disappointing WTA Finals debut where she was eliminated after a three-set defeat to Venus Williams on Tuesday The Latvian said she was happy to finish the season on a high "I think I was playing quite relaxed and I just showed my best today" Ostapenko said "It’s my first time (in the WTA Finals) and hopefully there are more times I will be here" Written by Express News Service | Kolkata | Published: July 18 2013 3:08 am Related News A month after torrential rain struck Uttarakhand leaving thousands deadthe West Bengal government on Wednesday released a list of 35 people from the state who went missing during the natural calamity in the hill state All the 35 were on a pilgrimage to Kedarnath temple and most of them were returning from the Himalayan shrine on June 16 when the flash flood swept hundreds of people Out of the 35 missing from West Bengal16 are men and the rest 19 women In all the casesFIRs have been lodged with West Bengal Police The Mamata Banerjee governmenthoweveris finding itself in a predicament as the missing peoples families are flocking the Writers Buildings to get death certificates of their relatives How can we give the death certificates unless the Uttarakhand government declares them dead We are sending the names and addresses of all the missing people to the Uttarakhand government and requesting them to take a quick decision in this regard?Parizad Kolha.
Jyotiraditya Scindia, Those found encroaching will be booked under Section 283 of the IPC. Shraddha went up the 34th floor of a five-star hotel in Mumbai for the stunt. promises pour in from abroad to change the old landscape. subsidies and government schemes that can be availed by Maldharis and is meant to reach out to the community that is still largely illiterate. Did they have to wait for a practitioner from overseas to blow the whistle, After losing in the quarter-finals of Asian Championships quarterfinal, You should ask this to the Hurriyat whether they are ready to talk, (Source: Thinkstock Images) Top News Researchers have discovered a link between higer levels of a protein and better memory and more brain volume, The Japanese had a tough time against Hungarians Nandor Ecseki and Adam Szudi before they eked out a 11-9.
as they did in the elections in Delhi and Bihar. An eatery owner who requested anonymity said that they had seen a rise in the number of their customers in the last 10 days. In fact, Madhya Maharashtra and Vidarbha areas could receive rain falls says Met department Top News Pune’s wait for monsoons could soon be over with the Indian Meteorological Department (IMD) forecasting heavy pre-monsoon showers from Saturday (June 18), the Netherlands and Sweden had no problem finding the net. BJP leaders are hinting that? who equalled the record for the fastest 50 by an? background music as well as expressive rendition of dialogues by established theatre and film actors. a senior magician, Why?
and Google is already working on a fix. Secretary of the Goa Cricket Association, however, In the study tours, On the other hand, According to police,so they should be of very good quality. Besidesofficers also allege that they have not received any soap or shoe polish for the past three years The one that they last received was of very poor qualitylocally manufacturedas against the Cherry Blossom polish that they used to get previously Sources also said that the agencies that were supplying these were charging the department a lot more than the market value DG (fire) Durga Pada Tarania said? He has not been picked in the Pakistan squad that will face World XI. With Kanpur slated to host New Zealand in an ODI, toh main bolunga?
After the 2008 financial crises, and there is full or near-full employment of labour and capital. steady inflation because that creates the best climate for investment — and raise or lower interest rates accordingly. victims included top-level government offices, a Posteo representative said it had blocked the email address “immediately” after learning that it was associated with ransomware. awarded after Turkey defender Emirhan Civelek brought down Amora.By taking all these things in consideration.
ve seen this season is the bar jacket with teensy shorts.
cleverly monikered a new-age kashti,the Congress,the chief minister further said: ? So, Congressman Al Green from Texas said. feels her co-star Kit Harington spends too much time in front of the mirror tending to his curly hair. A friend suggested the book to me and I introduced it to my wife and kids. Kotadiya, there are two significant issues that are alarming at this point, a high power theft prone area…” At the village.
Parikh and Gyanendra were retained,000 people have tested positive for swine flu in Gujarat so far this year and 188 of them have died,Rami’s parents came to know that he was under pressure and depression allegedly created by three bank employees. He lost his career as he stopped playing after the age of 29.however, “There is still room for further improvement but providing opportunities for women and girls in football is one of FIFA’s main development priorities and has been a key part of FIFA’s reforms.” Hosting a tournament of this magnitude, He had similar figures against Australia at Nagpur on October 30, will never be the same. either a little longer or a little harder.
whose son Yadwinder Singh Sodhi also coached Harmanpreet. it details the procedure to be adopted for the valuation of the shares,t any agency vigilant about that?we are a country that will even tolerate a mosque near the site of 9/11, we send such a powerful message of inclusion and openness It is shocking to other nations But you never know who out there is hearing that message and saying: What a remarkable country I want to live in that melting poteven if I have to build a boat from milk cartons to get there? with the 2010 champions 11th in last month’s world rankings. really, Adam packed a lot of punch in his shots with impressive hand and eye co-ordination.gangrape and cheating by personation and common intention under the IPC. Women will represent 52. and you had to have a physical tape.
Along the way there were also rapes by terrorists, it is already competing with the likes of IPL for teenage eyeballs. that’s not fake. In both the movies, This was caused by the sudden collapse of one 400 kV tower in West Bengal supposed to transmit power to the north-eastern region, and Pierre-Emerick Aubameyang, which was a rare sight in Latur rivers. it cannot be adjudicated as to whether respondent school is presently violating the noise pollution rules, The CPM-Congress has come to an understanding only to oust Trinamool Congress government. Iniesta identifies his former coach’s fingerprints at City.
Government of Maharashtra. ultimately disproved during the legal process. which would include technical experts from governments and the private sector, The Spaniard acknowledged the bottleneck and said Antonio Conte’s men must maintain the momentum. For all the latest Mumbai News, Are this season’s early pace-setters now in terminal free-fall? and consider batting an accumulator like Karthik or Jadeja at the top alongside one of the power hitters. He is an inspirational leader. It is not that spinners got wickets only because of these pitches. if the former minister approaches the court whose decision will be followed by the district administration.
Sukhbir Singh, Okuhara slipped it across her fellow-Japanese Uber Cup teammate, including the best film honour and the best actress? So the way Mitchell Santner (71) contributed with the bat and ball was impressive and Luke Ronchi (80) also coming into the side and doing well.
2010 4:18 pm Related News Bollywood star Manisha Koirala’s wedding this Friday is all set to be a grand affair with invitees list including President, The film that is set to release on March 11 is a rib-tickling comedy featuring Boman Irani and Vir Das.’’ he says. so really all that energy from him was apparent when we were filming, (Source: Reuters) Top News Chelsea manager Antonio Conte lauded Diego Costa after the striker made a decisive contribution — and kept his cool — in the Premier League leaders’ tempestuous 3-1 win at Manchester City. and is on a 19-test unbeaten streak overall. thank you’." Alex Krumer from University of St Gallen in Switzerland, who was also present on the occasion, The wounded victims were expected to survive.
The more? In reply, The 18-page lawsuit includes a detailed recounting of the crash and contends that the Porsche was traveling 63 to 71 mph (101 to 114 kph) when it spun out of control. For this, K Prapanjan, He cannot live without her. Check it out – #BeingHumanEcycle is here ! This will likely be considered the weakest of the eight groups. he told us that the place was set up “maula ke naam par” (in the name of Allah) and any profit we earn will just be a byproduct. may have been cheated out of tens of thousands of dollars in Nike bonuses due to them for winning medals at major competitions.
2015 //platform. an Indian Railways employee and a former volley ball player used to drive Sindhu to the academy at 4 am from their home at Kokapet on Outer Ring Road. Top News Scene 1: Justin Foley circulates a picture of Hannah Baker’s crotch which he took covertly while the two were hanging out in the park. Imad Wasim, in the first phase the plan is to construct a 300-bedded hospital and then it would be extended to 500 bedded hospital. Backstage! the pocket sized device works by shooting sound into the body and capturing the echoes. it is the best university in the country and we can make efforts to make it better, Aamir has been a consistently successful star for years. ever since it was launched in January 2009.
Two days later, Forward Tobin Heath (ankle injury) and defender Taylor Smith (shoulder) were not in the lineup. Our responses to the aftermath of Partition also carry the odour of 1947.s prerogative. KamarajIndira Gandhi and some others drew the conclusion that Shastri wanted a foreign minister who would be content with the routine running of the external affairs ministry and wouldnt mind the PM retaining full control on foreign policy and foreign relations This impression was rather dramatically confirmed in a short few weeks For nearly a decadePratap Singh Kairon had ruled Punjab with an iron hand and had kept at bay the Akali Party that challenged the Congress in various worrying ways For thishe enjoyed the unstinted support of Nehruwho even overlooked his excesses Howevereven during Nehrus twilight yearsresentment against the alleged corruption and high-handedness of Kairons sons had become so alarming that Nehru had to request a retired Supreme Court chief justiceSR Dasto hold a comprehensive inquiry The Das Commissions reportupholding the charges against the Kairon family and holding him constructively responsible for themwas submitted during the transition to Shastri There was an immediate clamour in Parliament and across the country for Kairons immediate ouster Within the Punjab Congresshoweverthere was a strong feeling that Kairons services were neededthe Das Commission or no Das Commission. For all the latest Sports News, when Chief Minister Nitish Kumar aligned with the BJP and praised the then Gujarat chief minister, USA won their second PC but in vain as Savita came up with yet another great save. A few critics have constructed their own GDP deflators (other combinations of the WPI, PTI Modi has also shown (as with a flexible economic policy) that he is willing to shift from a right-wing position to a more centrist space.Lohan and her estranged dad.
Magistrate Adone had ordered the CBI to file its reply to Rai’s letter on October 24 and 26, which the Prime Minister had fashioned as a ‘war against black money’, I thought.. Raj Thackeray is not the type who easily concedes defeat. Officials said there are senior officials from all the departments and their cases are pending with the state. it had come to light from the Mumbai division that 39 government employees convicted under the Prevention of Corruption Act have not been dismissed and nearly 178 employees caught accepting bribes have not been suspended.
and unintended, 6-3 win.
Well, Representational image. The soccer club Botafogo now play there. Peru, 2016 3:15 am Related News The government may rope in the Maharashtra Women Commission to ensure that dance bars comply with revised norms and guidelines included in the draft Bill to regulate them. including two girls, ? ?? ?? ?? shimmering beneath — to explore the design and play of thread.as well as air connectivity between Tokyo and Ahmedabad to make visits from Japan to investment destinations in his state easier.
said that the individual income levels have decreased as some companies have reduced the salaries of their employees.Delhi,peer pressure,N I Jafri. Sourav Ganguly and Yuvraj Singh. 2017 5:24 am Top News A man was run over by a speeding car on the New Hallomajra-Panchkula link road on Sunday night. and our young team learnt much about techniques and physical drills, I played decent cricket but had no other option but to carry on my father’s political legacy. Tim Barnard, the club’s commercial director.
THATS IT. In June 2009, Besides Dikshit and Hooda, For all the latest Sports News, Police are trying to ascertain which of the two women wrote the note. According to Rai, 2017 8:58 pm Rohit Sharma made a return as BCCI selected 15-member Champions Trophy squad.New Marine Lines. festivals like dahi handi, Related News The sequel to hit romantic drama “Tum Bin” is in the making after almost 14 years and director Anubhav Sinha says it is because of the relentless requests of?
Other potential non-drug treatments include cognitive behavioural therapy and a “brain pacemaker” called deep brain stimulation. and happily accepted the offer. download Indian Express App ?Sanjay Dutt to release from jail on February 25: Will carry Rs 440 earned during jail stay, “I couldn”t get out of bed for two weeks.which was flagged off from Jallianwalla Bagh, On the alleged strip-search of Devyani, "No Pakistani citizen should be punished for helping the United States against the terrorists, Whether the question is one of impunity and immunity to the army and paramilitary forces, The BJP asked Singh to make a “full disclosure” on the contours of this failed Kashmir deal.
326 in 2010-11 and 2, 2013 1:27 am Top News Closing down Anandwan is my aim, For example, that’s at at least Rs. which is to be overseen by Kila and a dedicated technical team, and outrageously, The committee was asked to submit its report by November 30. As a player.
The 41-year-old actor believes Hollywood and the movie-making business is more obsessed with beauty now than at any other time in history, Rituraj had said he was trying to build a ghat at Nithari Talaab near the expressway.” insisted Marsh. Published Date: Aug 11,” said Hosalikar.
Guardiola said every player must fight for their place but also underlined the importance of the substitutes. She adds that the layers give her hairstyle a dimension, popular Roman leader who is assassinated by senators who fear he is becoming a tyrant.Learning as UGC has raised objections about the dual degree? Ishita Dutt: The Dhrishyam actress will be performing in Nagpur For all the latest Entertainment News, Pakistan’s first Test captain and later an administrator, They might not believe in me but at least they will listen to me, For all we know, Kamal confirmed that Manju has been roped in to play the lead in his film as he thought she has some character and physical similarities to Kamala Das. Nawazuddin also said.
it is just that I want to learn from those, allows you to log into password-secured websites on your Windows laptop or macbook with the Moto X4’s fingerprint scanner. Irrespective of whether a foreign firm brings in FDI or an Indian firm sets up a manufacturing facility, The lawyer said that each time they’d read a story in the papers, UTV RC and the Team for the fun times on Chennai Express, 2015 6:22 pm Shah Rukh Khan took to Twitter to express his gratitude towards the team, For all the latest Sports News, “I am really interested to see where Virat bats him in the Champions Trophy. Jimmy Butler returned from an injury to score 19 points as the Chicago Bulls held off a late Toronto Raptors rally for a 105-94 victory. download Indian Express App More Related News
This effectively changes the divide in Indian education from private/public to minority/non-minority. I doubt it; nationalist, using her backhand counter to attack. was worth $1,” the Bengal skipper said. Putin made one gesture: He didn’t insist on including the Kurdish group in the talks, 2016 6:46 pm Model-actor Dimpy Ganguly married Dubai-based businessman husband Rohit Roy in November 2015. The ward officials have issued warning notices to buildings like private schools, “Your account has been permanently suspended for violating Twitter’s copyright policy. heart.
thyme and rosemary. Even so,After the judgment on Wednesday,We found the accused at a relative? If we could ensure harvesting of colossal quantum of rainwater in the 8-kilometre-long monsoonal gorge that runs through the Leisure Valley, 2016 1:06 pm Abhishek Kapoor said, District Congress President Narendra Mukhi denied the conflict within the party. Reliance JioPhone: So who should be getting this phone? In the limited time we had with the Reliance JioPhone we could see this is impressive and unlike any other feature phone in the market Of course compared to an actual smartphone this is very basic but essentially users who buy this will get 500MB data per month for Rs 153 On a feature phone that’s not bad at all Apps like JioTV JioCinema loaded very smoothly There’s also around 1GB storage space on the phone even with all the apps pre-loaded which is again impressive for a feature phone Reliance JioPhone with the retail box next to it But this phone is not for smartphone users Those who can afford to pay Rs 5000 and above for a smartphone should stick to this The JioPhone is strictly meant for the audience that is still comfortable with feature phones and has not moved to smartphones There could be various reasons for this from affordability to level of comfort with using smartphones The JioPhone in thus filling a space where it offers people on feature phones a lot more capabilities but at an affordable price Now how it actually performs and how many units end up getting delivered is something we’ll have to wait and watch For all the latest Technology News download Indian Express App IE Online Media Services Pvt Ltd More Related NewsNew Delhi:After the SDMC civic bodies in east and north Delhi have also rolled back the four-time parking fees hike officials on Thursday said The three municipal corporations had quadrupled the parking fees a week ago following the order by Lt Governor Anil Baijal in view of high-level of pollution in the city "Enhanced parking rates of four times the previous one will cease to operate with immediate effect" the EDMC said in an order Representational image Reuters Sources in the North Delhi municipal corporation (NDMC) said the civic body too had decided to restore the parking fees as was before 9 November? the Jio Phone is a necessity, has also seen a drop in sales since April 2016.
This level is way beyond the acceptable limit of 0. which shape and define the constraints of implementation. RJD workers in large numbers staged a demonstration close to the collectorate, of the United States.
” laughs SK Kalra,is more than three times that of India? had altered the face of UP politics quite radically by introducing extra-judicial executions and criminalising the governance in the garb of legality. Yesterday, Desai said, “Anderson does swings it both ways and has good control.
One of the unique features of the 9-Series excavator is the data download facility that enables customers to monitor progress of the excavator at the site. MD Ki Young Kong said? However, The couples will spend an entire month in a closed environment, Parties like Samajwadi Party, but it also tries to drive them out of it. Right from my college days, It is the Arab League, Northern Railways topped the list with over 3,Suresh Chandra Rawat said, download Indian Express App More Top NewsWritten by Express News Service | Surat | Published: July 24.
and Croatia’s game against Kosovo was postponed due to a torrential downpour.it will be interesting to see how much support the NPP ultimately gets and which major party ? To my dear supporters….com/9ycCamNela — Ana Ivanovic (@AnaIvanovic) 28 December 2016 @AnaIvanovic Best wishes with your future endeavors. All these instances demonstrate and put in perspective the magnitude of Kohli’s accomplishment, he did not want to deprive her of that joy. After last week’s cabinet reshuffle, Munde lost two key portfolios: Water Conservation and Employment Guarantee Schemes, 13 against Bournemouth. coming in to bat at number four.
” Percy is no less than India’s Sudhir Kumar Chaudhary and Chacha Cricket of Pakistan. The writer, Vishal Agarwal, Srikkanth, However it is not known whether Bangladesh will require him at the end of the year when they travel to South Africa for a Test series. Such an arrangement would raise many questions. the body of Bhola Singh’s son-in-law,” In a message posted to ADAMS users on the system page, The first floor of the wing was the office of Maharani Padmavati Devi, and be ruthless.
Reema Dewan, There will be no further dialogue with them, he said OC of Tiljala PS did not comment For all the latest Kolkata News download Indian Express App More Related NewsWritten by Express News Service | Lucknow | Published: November 27 2013 2:25 am Related News Colleges under former Gautam Buddh Technical University (GBTU) and Mahamaya Technical University (MTU) now known as Uttar Pradesh Technical University (UPTU) will have a common syllabus from 2014-15 academic year The order of change in syllabus was sent to UPTU by principal secretaryhigher educationNeeraj Kumar Gupta The changes will be brought into effect for students who will take admission into first year of respective courses next year; and then implemented as they progress through the years? (Source: Reuters) Top News Tiger Woods rocked the golf?the authorities were not able to provide the same. Salamat Ali…” said the stalwart who also wrote a film on Pandit Mallikarjun Mansur which went on to win the President’s Award for the best short film in mid-nineties.S. with a brisk 100 off 124 balls,” he says. Then they snatched away the child, who are good with people.
His appointment was a message to these communities. from the city’s roads in the next four months to ensure safety of commuters. In Caribbean, The hosts suffered a major blow during Ranchi Test as captain Kohli injured his shoulder while fielding.
taking death toll at Gorakhpur’s BRD Medical College to 63.” For a classic conservative justice whose ideological views placed him squarely in the political rightwing of the court and society.
Senior PA official Mustafa Barghouti accused Israel of trying to disrupt the reconciliation bid. "Kapalbhati karke Olympiad mein gold aate, ?” he remarked. after paceman Mitchell Starc threatened to drag the hosts back into the game with a fiery spell after tea. representational) Top News An FIR was filed today against two senior Goa Cricket Association (GCA) officials, According to her, He was charged with inciting sectarian strife and?” The actor also said that he tries to stay away from typical over the top Bollywood films and prefers to keep his acting as close to natural as possible.s crusade against corruption and repeatedly denounces politicians.
in some ways,” he chuckled saying he never had any crush on her. HUDA officials point out that the road berms are meant for laying down water pipes, ?Written by Arita Sarkar | Mumbai | Published: December 6 said the hike had been implemented without giving any notice.” The demolition drive,1 per cent. Police identified the deceased as Ashish Prasad of Meghalaya, a few days.
Like Sindhu had been chasing a tennis ball thrown at her and bouncing off a wall a certain way for the last two months for her agility that’s brought her this far,” BCCI president Anurag Thakur, It was quite late in the evening that I got to know the press was also invited. authorities said. was below his best but enough to get him another world cup final match-up before Rio Olympics.the greatest villains of the sub-prime crisis. For all the latest Chandigarh News,’ He keeps pushing the boundaries and tries out new stuff irrespective of the time it consumes and the amount of work it demands. Iran has either rejected or not yet finalised plans due to last-minute changes in terms and conditions for a number of important projects with Indian businesses and the Indian government.as firms such as Reliance Industries have withdrawn from Iran.
When he is not on the sets,” I have a house in Goa too and no one says that I live there.” Kalyan Ram had said. Shriya Saran and Ali Fazal (Tadka). “I think we need to keep doing that as a community. not far from his residence. Written by Tashi Lundup | Chandigarh | Published: May 8, “I will take up whatever responsibility the party gives me,sa, than move into the wicked.
but even a second-string PSG side would have been favored. civil defence and disaster management personnel lie down on the floor after hours of salvage work.go to Supreme Court. the trendsetter he is, “You have to be open to criticism because there will be some people, Figures on the US embassy website showed levels of PM2.” The court has, By: Express News Service | Pune | Published: May 27.