Mortgage Apps Up 09 as Interest Rates Slide

first_img Share in Daily Dose, Headlines, News, Origination May 21, 2014 471 Views The refinance side of the mortgage market saw yet another pickup in application activity in mid-May, boosting total volumes for the third straight week.The Mortgage Bankers Association’s Market Composite Index, a weekly released measure of loan application volume, edged up a seasonally adjusted 0.9 percent for the week ending May 16, the group reported. Removing seasonal touches, the index rose just 0.4 percent week-over-week.Mike Fratantoni, MBA’s chief economist, said the recent downward trend in mortgage rates—which hit a six-month low last week—has helped push up demand for loans.”Renewed concerns about the state of the global economy, particularly in Europe, led to a flight to quality to US Treasury securities, thereby pushing interest rates down in the US,” Fratantoni said.MBA’s measure of refinance applications rose 4 percent over the previous week, bringing the refinance share of total applications up to 52 percent.At the same time, the association’s seasonally adjusted Purchase Index dropped 3 percent. The latest decrease is more sour news for a market segment that will need to strengthen as refinance volumes remain more than 65 percent below last year’s levels.center_img Mortgage Applications Mortgage Bankers Association Mortgage Rates Purchase Loans Refinance 2014-05-21 Tory Barringer Mortgage Apps Up 0.9% as Interest Rates Slidelast_img read more

Marketing Compliance for Todays Lenders

first_img in Commentary, Daily Dose, Featured, Government, News Marketing Compliance for Today’s Lenders Lenders in today’s market often face compliance challenges that bring the Consumer Financial Protection Bureau (CFPB) to their door with a huge fine. Mary Beth Doyle, founder of LoyaltyExpress examines these compliance issues and advises lenders on an effective way to avoid regulatory repercussions. The Compliance ProblemOne of the biggest compliance challenges lenders face today is enterprise-wide change management, as it relates to marketing methodologies being centrally defined and controlled. Unfortunately, individual loan officers have historically been allowed to march to their own beat in terms of advertising, marketing, and business-development initiatives. This fragmented approach is a major contributor to the gross violations and errors that the CFPB is cracking down on with costly fines and penalties.Dynamic marketing and business-development initiatives can be steadily and safely achieved when appropriate compliance loops, content development expertise, disclaimers, and licensing fields are at the core of a lender’s marketing engine. Taking down the walls that hinder an organization from being compliant without fail requires strong leadership and a commitment to the betterment of loan-officer careers and the mortgage industry overall.Mary Beth Doyle, founder of LoyaltyExpressThe Regulatory SideAlthough a majority of CFPB rules mirror state compliance requirements, there are a multitude of differing regulations on a state-by-state basis. For example, specific locations of licensing fields and the placement and verbiage of disclaimers are governed not only at a state level – but can vary by county as well.State-specific loan products and services are obvious examples of why regulatory guidelines vary state by state, such as the California Housing Finance Agency. These state-specific agencies are servicing the local needs and welfare of homeowners, including the ability to issue timely assistance for hardships. Just as economic conditions and disaster-related events differ on a state-by-state basis, so do regulatory guidelines in support of state-specific mortgage programs, products and services.The Fix Lenders must proactively embrace compliant business-development initiatives – and the reality that strict guidelines and best practices are here to stay. Even if an organization is plagued with regulatory misdemeanors, taking ownership of their shortcomings (and recognizing that the CFPB will respond more favorably to remediation efforts) is of utmost importance. The CFPB is slowly getting around in its auditing efforts. Lenders must be prepared to demonstrate complete transparency in this ever-demanding and ever-changing landscape of compliance adherence. There’s no way around it.Investing in world-class CRM and marketing automation services allows organizations to be both innovative and compliant with their business-development efforts. Primarily, the goal should be to establish unique, branded, and compliant one-to-one communications that drill down to specific needs and opportunities for targeted populations of prospects and customers. As a result of these intelligent, automated messages, loan officers will steadily enhance their qualified sales pipelines – as well as their overall capture rates of new and repeat business.Click here to learn more about LoyaltyExpress. Sharecenter_img Compliance Consumer Financial Protection Bureau Lenders LoyaltyExpress 2015-09-11 Staff Writer September 11, 2015 581 Views last_img read more

Are Home Builders Locking Out Firsttime Buyers

first_img First-Time Buyers Home Builders Home Demand Inventory 2016-03-24 Staff Writer Share Home builders’ focus in recent years has continually been on expensive properties, which could be placing a damper on the homebuying process for first-time shoppers.Although home builders are focused on more expensive homes, they are responding to underlying demand conditions, a report from Capital Economics found.The report also pointed out that first-time homebuyers who typically search for homes that are under $200,000 are not deterred by home builders in the market. Further, as credit standards begin to ease,  new, cheaper homes will be put on the market.Capital Economics believes that housing demand will continue to rise due to the large share of young adults living with their parents that will eventually want to become either renters or homeowners. New data for March found that the share of 18 to 34 year-olds that live at home is now at 31.5 percent, slightly off the record high.”Indeed, given that mortgage interest rates are close to record lows, credit conditions are gradually being eased and employment is above its pre-crisis level, it is something of a puzzle that the share has not already declined,” the report said.Instead, the report noted that the lack of available homes on the market is what is holding back demand among first-time buyers. “Both the rental vacancy rate and months’ supply of homes for sale are currently very low. And in the new homes market–where overall supply constraints are not so bad–builders have been focusing in recent years on the more expensive segment of the market,” the report said,”That said, it is possible that as credit conditions have slowly improved, builders may have been slow to respond. In that case, a lack of suitable, cheaper new homes could have put a short-term break on household formation,” Capiral Economics stated. “However, there are signs that homebuilders are now shifting production to less expensive properties. Despite growth in existing house prices accelerating in recent months, the median new home price has edged back since November of last year.” March 24, 2016 563 Views center_img in Daily Dose, Data, Featured, News, Origination Are Home Builders Locking Out First-time Buyers?last_img read more

In Some Markets Income Growth Outpaces Price Appreciation

first_img September 16, 2016 503 Views In Some Markets, Income Growth Outpaces Price Appreciation Home Price Appreciation Income Growth 2016-09-16 ScottMorgan1 in Daily Dose, Data, Headlines, Newscenter_img Times might still seem tough, but income growth is moving at a faster pace than its ever been, particularly in lower-income areas based on numbers from the U.S. Census 2015 American Community Survey, released this week. The news indeed came as a surprise, but it was not the only surprise in the numbers.Ralph McLaughlin, chief economist at Trulia, noted a second surprise‒‒metros with the lowest incomes had the highest income growth last year, a clear sign, he said, that regional income convergence is picking up.A look at the rate of income growth with the rise in home prices found that in several metros, income growth rate outpaced home price appreciation noticeably. Nashville, where income growth grew most in the country, saw 10.2 percent income growth in 2015, while median houses appreciated 7 percent. El Paso and Birmingham saw nearly 10 percent income growth and low home price growth. Birmingham homes appreciated 4.6 percent in 2015, whereas El Paso homes rose a mere 0.2 percent, the lowest price growth metro.The two anomalies in the 10 top income growth markets, Trulia reported, were Seattle and West palm Beach; Seattle because it was the only top-10 city considered a wealthy city, and West Palm Beach because it was the only top-10 metro where home prices grew faster than incomes (11.5 to 8.5 percent).In low-income markets in general, income growth rose about 5.5 percent as median prices rose 3 percent. This dynamic was shared with the highest income areas, where income grew 3.5 percent and median prices grew 3 percent in 2015.However, lower-middle, middle, and higher-income areas generally saw prices rise about a third more than incomes.Why are incomes growing?“It’s tough tell at this stage,” McLaughlin said. “In general, though, income growth can rise for a few different reasons.”Incomes tend to rise when the unemployment rate drops, employers raise wages to attract labor, productivity increases, and as a result of labor migration, McLaughlin said.“As firms open new locations and bring new employees with them, the multiplier effect of local spending generates more opportunity for supporting business,” he said. “Even if new employees aren’t paid any more than existing ones. While we can’t be certain which processes are dominating in individual markets, near full employment at the national level is certainly helping increase wages regionally.” Sharelast_img read more

Rural Urban or Suburban Who Wants to Buy More

first_imgRural, Urban or Suburban: Who Wants to Buy More? May 25, 2017 619 Views in Daily Dose, Data, Headlines, Market Studies HOUSING mortgage rural homebuyers suburban homebuyers urban homebuyers valueinsured 2017-05-25 Aly J. Yalecenter_img Despite talk of the rural-urban divide, Americans seem to share the same sentiments about homeownership regardless of their location. According to new data released by ValueInsured on Thursday, nearly the same amount of residents in rural, suburban, and urban areas said that buying a home is more financially beneficial than renting, and around the same amount said homeownership is an important part of their American Dream.According to ValueInsured, 78 percent of Americans living in rural areas believe buying a home is more beneficial than renting. Suburban and urban residents came in at 79 percent and 83 percent, respectively. Seventy-six percent of rural and suburban Americans also said owning a home was a part of their American Dream, while 80 percent of urban residents shared the sentiment.As for desire and intent to buy, 81 percent of urban non-homeowners said they would like to purchase a home, and 74 percent said they would do so right now if they could afford it. Suburban residents had largely the same response, with 80 percent saying they want to buy and 77 percent saying they would do so now if it were affordable. Rural non-homeowners came in at 97 percent and 81 percent on the same sentiments, respectively.The three groups only diverge on homeownership topics when it comes to length of stay. While 71 percent of suburban and rural Americans plan to stay in the next home they buy for seven years or more, only 35 percent of urban homebuyers say the same. According to ValueInsured, this “transient nature” is likely due to the younger average age of urban residents, compared to those in more suburban and rural areas.According to ValueInsured’s report, “Not surprisingly, the more transient nature of urban homeownership is correlated with the younger average age of our urban respondents, at 38.4 years old, compared to our average rural respondent, who is 47.6 years old. This also correlates with twice as many urban respondents who describe the next home they plan to buy as a ‘starter home.’”Jobs may also play a role in the urban buyer’s less-than-long-term plans.“Urban homebuyers’ plan to move more frequently is also likely related to their shorter job tenure and more mobile job locations,” ValueInsured reported. “Seventy percent of urban homebuyers say the possibility of a job change or job loss makes them worry about the risk of buying a home, while only 30 percent of rural and 42 percent of suburban respondents say the same.”According to ValueInsured, urban buyers are also more likely to rely on their family members financially to purchase a home than rural and suburban ones are.View ValueInsured’s full analysis at Sharelast_img read more

Housing Starts Building Permits Take a Hit in June

first_imgHousing Starts, Building Permits Take a Hit in June Share 16 days ago 233 Views in Daily Dose, Data, Featured, News, Originationcenter_img Housing starts in June fell 0.9% month-over-month to a rate of 1,253,000, which is a marginal decline from May’s revised estimate of 1,265,000,  according to information from the U.S. Census Bureau. The report, though, states June’s estimates are still 6.2% above June 2018’s rate of roughly 1.18 million. Single-family starts in June came in at 847,000, which is 3.5% above the revised May 2019 figure of 818,000. “Strong employment, wage growth and lower mortgage rates are giving potential home buyers a healthy boost. The improvement in home builder confidence for single-family homes in July supports this narrative. Lower mortgage rates and increasing household income should spur new home purchases,” First American Deputy Chief Economist Odeta Kushi. “While overall housing starts are down 0.9 percent, the pace of single-family housing starts, 847,000 (SAAR) increased 3.5 percent above the May figure. This is particularly important as it represents near-term new supply that the housing market is lacking.”CNBC stated that forecasts called for housing starts to drop to 1.26 million for June 2019. Building permits took the hardest hit in June, falling to an annual rate of 1,220,000—the lowest rate since May 2017. June’s rate represents a month-over-month decline of 6.1% and an annual drop of 6.6% from June 2018’s rate of 1.3 million. Housing completions fell to an adjusted rate of 1,161,000, which is a 4.8% drop by May’s estimate of nearly 1.2 million, and a 3.7% decline from June 2018’s rate of 1,205,000.Single‐family housing completions in June fell 1.8% from the month prior to 870,000. “The number of completed new homes, waiting to hit the market, declined 4.8% from May, and were 3.7% lower than a year ago. The change was driven by significant weakness in the Midwest region, which experienced record rainfall and flooding during the month of June,” said Geroge Ratiu, Senior Economist for “The upper-end of the housing market continues to be saturated, while new supply in the affordable range remains scant. This is evidenced by the price distribution of new homes, 52% of which sold at prices above $300,000 in June.” 2019 Housing Market Census Bureau Housing Starts 2019-07-17 Mike Albaneselast_img read more

Cardinals expect improving Murphy to contribute ri

first_img Cardinals expect improving Murphy to contribute right away Nevada officials reach out to D-backs on potential relocation Top Stories D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ Comments   Share   center_img Defensive tackle Darnell Dockett said all is calm on the complaint front at the Arizona Cardinals camp in Flagstaff.“I just like the attitude of the guys this year,” Dockett said. “Everybody’s doing their job, no one’s complaining, everyone’s working.”Thanks to the lockout, everyone reported to camp a little more out of shape than normal and Whisenhunt is taking measures to get his team back in shape. What an MLB source said about the D-backs’ trade haul for Greinke “We go in there and look at our workouts and there’s like 20 things to do in the morning. Normally it would be like six to eight,” Dockett said.Conditioning has taken place every day after practice, no matter what happened during practice and the guys are going with it, Dockett said. “We just said, ‘Alright coach, whatever you want us to do’,” Dockett said.The fact that the Cardinals most outspoken player has said that all is well in camp could be huge to the team, who apparently slacked off last year.“Last year, we worked hard to get to a certain level but I feel like a lot of guys didn’t buy into the program and do everything that was tolerated by our team to win,” Dockett said.last_img read more

Top Stories

first_img Top Stories “Playing safety is not something that I’ve always beendoing,” he said after a recent OTA practice. “I reallyjust started actually getting to play safety now. I’vebeen playing corner basically all the way up until myjunior year. I really got thrown in to safety my senioryear full time.”The switch from cornerback to safety doesn’t sound like abig deal. After all, the two positions are both found inthe defensive secondary.Yet, Bethel says the transition is much more than just the10 to 20 yards that separate the two spots on the field.“I mean it’s a big jump,” said the 2011 Big SouthDefensive Player of the Year after totaling 87 tackles,four INTs and a sack. “Knowing a lot of corner stuff in college where you don’treally have to know as much, then going to safety in theleague where I’m now responsible for making all the checksand making calls and knowing every where everybody has tobe. It’s just something I’m trying to adjust to and getused to doing.”Through three weeks of OTAs and a rookie mini camp, Bethelhas opened the eyes of defensive backs coach Louie Cioffi. It is hard enough to make the transition from college tothe NFL, even harder when a position change is thrown intothe mix.Welcome to Justin Bethel’s world. The Cardinals drafted the 21-year-old in the sixth round(177th overall) out of Presbyterian College.Bethel played cornerback for much of his time at theprivate liberal arts school in Clinton, South Carolina.The Cardinals, however, are asking him to play safety. What an MLB source said about the D-backs’ trade haul for Greinke D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ “He’s done a good job,” said Cioffi, now entering hissecond season with the Cardinals. “He’s in here workingextra, watching film. He asks a lot of good questions.”According to Cioffi, a learning curve is expected withBethel coming from a small school. But his ability toplay multiple positions will only help him see the fieldmore.“A kid that has his athletic ability, that’s what we wanthim for,” said Cioffi. “We want him to be able to moveinside to the hash and play safety and be able to coverthat third or fourth wide receiver that comes into thegame.”Bethel started 43 of 44 games during his career atPresbyterian. A run like that with the Cardinals may takehim some time. “There’s still a lot of things that I need to learn. Thecoaches are helping me and the other players are helpingme. I feel if I just keep getting into my books like I’vebeen doing and keep studying and studying it’ll startcoming second nature.“There’s a lot of things I’m picking up now that I didn’tknow before. It’s getting a little easier every time.” Cardinals expect improving Murphy to contribute right away 0 Comments   Share   Nevada officials reach out to D-backs on potential relocationlast_img read more

Kolb is due a 2 million bonus if hes on the rost

first_imgKolb is due a $2 million bonus if he’s on the roster Friday afternoon and would count $13.5 million against the team’s 2013 salary cap if his deal wasn’t reworked.The Cardinals also signed free agent quarterback Drew Stanton to a three-year deal earlier this week. Former Cardinals kicker Phil Dawson retires 0 Comments   Share   The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Kolb and the team discussed various options for him to return, but both sides could not come to an agreement.— Adam Caplan (@caplannfl) March 15, 2013 However, the team has left the door for him to return, which is very interesting. It was assumed that they didn’t want him back.— Adam Caplan (@caplannfl) March 15, 2013center_img Grace expects Greinke trade to have emotional impact Top Stories It’s taken a lot longer than many thought it would, but it looks like Kevin Kolb’s tenure in Arizona is just about officially over.NFL insider Adam Caplan tweeted the news Friday morning:QB Kevin Kolb rejected the Cardinals contract restructuring and will be released by 4:00 PM ET, source confirmed.— Adam Caplan (@caplannfl) March 15, 2013 Derrick Hall satisfied with D-backs’ buying and sellinglast_img read more

Derrick Hall satisfied with Dbacks buying and se

first_img Derrick Hall satisfied with D-backs’ buying and selling The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo TEMPE, Ariz. — When the Arizona Cardinals were on the clock at pick number 20, they had their choice from a pretty solid group of players.Auburn defensive end Dee Ford was on the board, as were Michigan State cornerback Darqueze Dennard and Texas A&M quarterback Johnny Manziel.Instead of taking one of those players — or anyone else, for that matter — the Cards decided to trade down, swapping first-round picks with the New Orleans Saints while adding a 2014 third-round pick (91st overall). And with the Saints’ pick, 27th overall, the Cardinals took safety Deone Bucannon from Washington State.“As you can imagine we’re excited,” Cardinals GM Steve Keim said of the pick. “Not only do we feel like we fill a specific need, we fill it with a player who we’ve targeted for quite some time.”While you’ll never get the full truth when it comes to whom a team was really targeting, unless of course the team is picking first overall, it makes sense that the Cardinals went in this direction. Speaking with the media last week, Cardinals coach Bruce Arians stressed the importance these days of having a safety that can help in run support and in the passing game against tight ends, and the team believes it got someone who do just that in the former Washington State Cougar. Bucannon left Pullman second on the all-time list with 268 solo tackles, and he also picked off 15 passes, six of which came last season as a senior.He comes with a reputation similar to that of a former Cardinals safety. “I don’t want to mention in him in the same breath as Adrian Wilson, but there are some physical similarities and the same type of mentality we were looking for,” Keim said of the 6-foot-1, 211-pound Bucannon. Former Cardinals kicker Phil Dawson retires Grace expects Greinke trade to have emotional impact And the Cardinals are happy to have him.“In our division you better like to hit, and that’s one of the things,” Arians said. “He brings passion, and that’s what we loved about him. He plays with a lot of passion and he’s going to be a great fit in our locker room. He’s a humble kid that just loves to play the game and wants to learn from the best. “We’ve got some guys here to help him and teach him and give him opportunities to knock the crap out of people in our division.” 0 Comments   Share   Top Stories – / 35 “That’s the level I want to be at, is what he did,” Bucannon said. “Adrian Wilson is a great strong safety, especially for the Cardinals, that played for a long time and went to a bunch of Pro Bowls.”“A Hall of Fame caliber player, that’s just one of the guys that you emulate. I’m going to go in there and that’s what my blueprint is going to be based off of is Adrian Wilson. Someone of that caliber, nothing less.”Keim said Bucannon will get a chance to compete for a starting role right away, and Bucannon said his competitive nature leads to him believing he’ll be on the field when the Cardinals open the season against the San Diego Chargers on Monday Night Football in Week 1. “I don’t know what the coaching staff thinks or what position or what role they want me in, but me being a competitor, I want to start, I want to play,” he said. “That’s what I want to do, that’s me. But that’s what I can control. “I don’t know what the coaching staff plans for me, but whatever it is I’m going to go full force and I’m going to earn my spot.”Whenever his impact is felt, the Cardinals believe they landed a player who will be part of what is shaping up to be a young and dynamic defensive backfield along with Patrick Peterson and Tyrann Mathieu. Those two are known more for their coverage ability and knack for coming up with the ball, whereas Bucannon’s reputation is that of a leader in the locker room and a big hitter on the field. last_img read more

Derrick Hall satisfied with Dbacks buying and se

first_img Derrick Hall satisfied with D-backs’ buying and selling GLENDALE, Ariz. — It looked like a normal 18-yard completion.Kansas City quarterback Alex Smith hit tight end Travis Kelce with the pass for a first down with just under 5:30 left in the game that put the Chiefs in good position to, at the very least, kick a field goal to tie a tight game. But the ball squirted out at the end of the play as Kelce rolled over. Arizona Cardinals defensive back Justin Bethel ran over to pick up the ball at the 15-yard line. Kelce got up and headed back to the huddle. Bethel didn’t try to advance the ball once he picked it up. About 26 seconds later, as the Chiefs were coming to the line to run their first-down play, Arizona head coach Bruce Arians threw his red challenge flag after replays were shown on the big boards at University of Phoenix Stadium. After a long review, referee Craig Wrolstad ruled that the ball had started to come out after a hit from Arizona safety Deone Bucannon and since there was a clear recovery from Bethel, it would be Cardinals’ football at the 16-yard line. Huh?Arizona would go on to win the game 17-14.“Mike Disner is up in our box with our coaches and does the pictures, and he was the first one to see the ball come loose. At this point in time, that timeout isn’t worth a damn thing,” Arians said. “If we lose this challenge, we’re losing a timeout. That challenge was huge and it was the correct call.”Those wearing the red and yellow of the Chiefs would beg to differ.“From my vision, I thought he regained possession of the ball, but I’m not making that call,” Kansas City head coach Andy Reid said. “You’ve got to keep the ball high and tight in that area, and we have to make sure…I can’t. Go on to something besides the officials. I don’t have anything good to say.” Former Cardinals kicker Phil Dawson retires Comments   Share   Smith, who threw the pass, thought the play was dead.“I was pretty surprised and shocked,” he said. “I felt like they whistled it, which was tough once they whistle it. You’re not trying to recover it or anything.”That would also explain the deliberate pace the Chiefs used to get to the line of scrimmage for the next play. When a team feels like they got away with something in terms of ball security, they’ll usually hustle to the line and snap the ball before the opponent can see a replay. Kansas City let almost a half-minute tick off the clock, allowing the Cardinals to make the judgment to challenge.Kelce ultimately took responsibility for the play.“Either way it was a huge play in the game,” he said. “It’s my job not to even give doubt or put the team in that position.” – / 43center_img The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo A pool reporter, Kent Somers of AZCentral Sports, was permitted to talk to Wrolstad, who overturned the crucial call on the field. “The tight end caught the ball, took a number of steps, got hit as he was going to the ground before any part of his body was on the ground, the ball came loose,” Wrolstad said. “He tried to get it, the other guy tried to get it, but the ball continued to be loose and rolled to a stop, at which time a player five yards away picked up the ball.“So, he actually had a clear recovery. So, the challenge was that we had initially ruled it was a catch, and he was down by contact. And, when we looked at it in replay, we saw that indeed the ball had come loose, he was not down by contact and then if there is a clear recovery, we can reverse it and give the ball to the defense. And that’s what happened.”Kansas City would get the ball back for one more possession, but couldn’t advance it any further than their own 36-yard line.“I thought I regained the control of the ball,” Kelce said. “But, you can’t go back in time. I fumbled the ball. It was called as a fumble and I’m just going to have to live with that, come back next week and help my team win.” Top Stories Grace expects Greinke trade to have emotional impactlast_img read more

There may never be another football team anthem as

first_imgThere may never be another football team anthem as famous (or as cheesy) as the Chicago Bears’ “Super Bowl Shuffle” that was released in 1985.That song actually peaked at No. 41 on the Billboard Hot 100 chart that year, and the Bears went on to win their one and only Super Bowl title that season.The enthusiasm for the Arizona Cardinals is at an all-time high in the Valley, and that’s why Jason Devore, the lead singer of Authority Zero, did something about it — and it’s a million times cooler than what the Bears put together 31 years ago. Top Stories Comments   Share   The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Devore is working on a new solo project with producer Derek Seidensticker and took out some time to write and record “Birdgang Battle Cry”.Here’s Devore’s explanation for the :41 clip, as explained on YouTube:So plain and simple I wrote and recorded a Cardinals “Fight Song”. A song to bring everyone together to electrify, fire up, unify, and inspire both the fans and the team they’re rooting for…the home town/State Arizona Cardinals. Growing up a local playing music , I feel it important that every city, state, and community should have something to be proud of and belt that brings them together as one voice. So, with the help of my good friend Derick Seidensticker I was able to record and present it to the Cards themselves so we’ll see where it may lead, but for now I present it to you. Call me crazy, but I hope you enjoy it. If you do and can get behind it please like it, share it, play it a few times over and again, and sing it loud! Hopeful it will stick and soar, but if for anything else, it was a lot of fun to do. Big thanks to my friend Jason Passaro for putting together the video and rally on friends! #birdgangbattlecryThe song was released on YouTube on Jan. 15, and has over 21,000 views. Derrick Hall satisfied with D-backs’ buying and selling Former Cardinals kicker Phil Dawson retires The Cardinals play the Carolina Panthers Sunday in Charlotte for the NFC Championship. The game can be heard on Arizona Sports 98.7 FM — kickoff is at 4:40 p.m. and special pregame coverage begins at 9:00 a.m. Grace expects Greinke trade to have emotional impactlast_img read more

The 5 Takeaways from the Coyotes introduction of

first_img The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Top Stories Larry Fitzgerald has been a staple around Arizona since he first arrived in the desert in 2004, and on Saturday he will continue one of his longest running events in the community.The Cardinals star receiver will be hosting his 9th annual Celebrity Softball Game Weekend on Saturday, which helps support the First Down Fund, Fitzgerald’s charity that promotes reading proficiency in kids and aids those that have battled breast cancer. Arizona Cardinals’ Larry Fitzgerald speaks during a news conference on social justice during the annual NFL football owners meetings, Monday, March 25, 2019, in Phoenix. (AP Photo/Matt York) The event will take place at Salt River Fields and will feature many different Cardinals players such as David Johnson, Chandler Jones, Josh Rosen and Terrell Suggs. Various other celebrities will also be participating, including Terrell Owens, Laila Ali, Richard Sherman and Deandre Ayton.The gates open for the event at 5 p.m., and a home run derby will take place at 6 p.m. before the actual game kicks off an hour later.Related LinksLarry Fitzgerald says Josh Rosen handling Cardinals draft buzz wellFitzgerald: Cardinals say ASU’s Harry reminded them of Anquan BoldinLarry Fitzgerald comments on sitting in with Suns front office interviewsFans in attendance can donate to the St. Mary’s Food Bank Alliance, and those who do will be entered into a raffle for many different prizes. The event will also feature free balloon artists and face painting for kids at the ballpark.After the game, fans can attend the Double Play VIP After Party, which will be held at the W Scottsdale and feature Fitzgerald and a number of different celebrities from the game.General admission to this event is free, and VIP tickets can be bought for $75. The after party will also help support the First Down Fund. Grace expects Greinke trade to have emotional impact 1 Comments   Share   Former Cardinals kicker Phil Dawson retires Derrick Hall satisfied with D-backs’ buying and sellinglast_img read more

The Apricot Hotel has opened its doors for busines

first_imgThe Apricot Hotel has opened its doors for business amid the heart of Vietnam’s cultural and political capital, paying homage to art created by the nation’s master painters and contemporary up and comers.With sweeping views of the iconic Hoan Kiem Lake and the hustle and bustle of Hanoi’s quaint Old Quarter at its doorstep, the small luxury five-star hotel’s features include 123 neo-classical rooms, two restaurants, a lobby lounge and cafe, rooftop bar, heated rooftop swimming pool, meeting facilities, spa and fitness centre.Akin to a large-scale gallery, Apricot Hotel showcases more than 600 original artworks, with the lobby, corridors and rooms adorned with an array of original and valuable artworks by the nation’s most popular painters ranging from large masterpieces and sculptures to watercolours and sketches.Among the hotel’s broad spectrum of artworks, highlights by master painters include Nguyễn Dung’s Hát Ả Đào (Traditional Folk Song Singers) with its earthy colours, Mai Thứ’s poignant Thiếu Nữ (Young Girl), and Phan Kế An’s Nhớ Một Chiều Tây Băc (Recalling One Late Afternoon in Tay Bac) that subtly hints at the heroism of Vietnamese troops to a dramatic mountainous backdrop during the French-Vietnamese war.Artists Bùi Hữu Hùng and Hồng Việt Dũng lead the charge on the contemporary front with bold, golden-hued Nhã Nhạc (Royal Elegant Music) and Rừng Cọ (Palm Forest) respectively, with the latter work’s muted tones bringing depth to a scene seemingly devoid of human influence except for a miniature boat in the foreground.“Art is a gateway to the deepest, most profound depths of any culture,” said Steve Tan, the hotel’s general manager. “At the same time we’re providing a stationary experience of accommodation, we’re going to take guests on an incredible journey through the history of Vietnamese art and culture.”Steeped in French colonial history, the 10-story Apricot Hotel building has experienced a new lease on life since undergoing a major revamp resulting in a classic meets modern design. It was formerly the Phú Gia Hotel, where the city’s movers and shakers began gathering since the 1920s.In addition to five categories of rooms and suites aptly named “Sketch”, “Canvas”, “Gallery”, “Masterpiece” and “Studio”, the hotel’s mezzanine “L’Artiste” restaurant boasts an open-style kitchen and menus in the design of an artist’s sketchbook while “A’telier”, located in the hotel lobby, serves a selection of teas from across the globe.last_img read more

Go back to the enewsletter I was totally amazed by

first_imgGo back to the enewsletterI was totally amazed by the unforgettable Palácio Tangará hotel, a lush oasis in the concrete jungle that is São Paulo. Suddenly, the Mercedes turns off into a 200-metre steep-slope driveway taking arrivals down, through tropical undergrowth, to what looks like a five-floor palace. Sometime in the mid-20th century Brazilian-Italian ‘Baby’ Pignatari bought this land, to create an urban idyll to lure his beloved, Princess Ira von Fürstenburg, then married to Marbella Club founder Prince Alfonso of Hohenlohe-Langenburg. He planned an Oscar Niemeyer house, which never happened, with landscaping by the architect Roberto Burle Marx. Princess Ira did marry her Baby, in Reno in 1961. She left him in 1964, and now lives in Rome.Outdoor pool at Palácio Tangará © Oetker CollectionMove forward to May 2017 when today’s palace, named for brightly coloured songbirds found here and in Argentina, was opened by its current owners, GTIS real estate investment. They already had 52 hotels in Brazil and, unknown to most guests of the 150-room hotel, the conference facilities here are another cash cow. I spoke to one local journalist and he, like may hotel customers, had no idea that underneath ‘the hotel’ are two more floors of fabulously stylish ballrooms and meeting rooms, all, thanks to the slope of the land, opening on to terraces overlooking the hotel’s tropicana, named after landscape architect Roberto Burle Marx, whose other works include laying out Copacabana and Ipanema beaches in Rio.Palácio Tangará is an oasis in São Paulo © Oetker CollectionToday’s hotel guests enter a lush lobby, going past an enticing Eden Living boutique on the way. The lobby’s floors are done by Housekeeping staff, and they are sensational, as are overhead mobiles. The lobby, like all public areas, is designed by Patricia Anastassiadis, who has brought in lots of fascinating, and different, chairs. Downstairs is a 25-metre indoor pool, with ceiling windows to let in maximum light; the gym has one wall covered with a gigantic sepia blow-up of woodland, again a sign of an oasis in this city. The spa is completely Sisley, the only such facility in town. Palácio Tangará, indeed, has lots of unique features – who else has a second pool, also 25 metres, outside in the garden area that is framed, as it were, by the arms of the C-shaped building?Flora Spa by Sisley atPalácio Tangará © Oetker CollectionAnd now the bedrooms, all decorated by Simonato Bick (William Simonato and Luis Bick). They seem to have used soothing shades of mole throughout, and that includes carpets and walls on bedroom-floor corridors. I just adored suite 417, right in the centre of the upper floor. Two pairs of French windows opened for fresh air, and had the weather been more agreeable I would have breakfasted out on the balcony, looking down to that outdoor pool. There were so many style pointers. Would I like a New York Times? A satellite copy arrived, in a covetable black leather bag. I loved the notecards and postcards, with watercolour sketches, and the stationery folder also included envelopes with turquoise printed with outline images of tangará birds.Deluxe Junior Suite at Palácio Tangará © Oetker CollectionEating choices include casual meals in the lobby, which has a corner bar; a grand piano and waiting double bass promise live music when weekend staycationers are here. You could also eat tapas in Burle, an interior bar that specialises in spirits, with over a dozen home-made bitters, and wood-matured Manhattans and Negronis as stated specials. Food could also be served in the glass-walled wine cellar. But the real magnet is Tangará Jean-Georges, a brilliant all-day concept that has four dining areas, including an interior kitchen, with an oval table that splits into four but, in entirety, seats up to 12 for interaction with chef Felipe Rodrigues (who cooked for the Swedish royals in Stockholm).Tangará Jean-Georges Restaurant © Oetker CollectionA private dining room for 12 and the main room both open to park-set terraces and now, and summer long, you can also dine out there. Inside, by 8.30pm the 60-seat space had 40 diners, for a mid-week night. This is a country club for locals, says Wadim Alvarez, who heads food (he hastened off to greet a couple in their ’40s, starting their 50th visit here with Moët before going on to red wine, and I presume they, as such valued guests, were among the fans who received a bespoke 2018 Chandon bottle to celebrate the hotel’s highly successful first year).Tangará Jean-Georges Chef’s Table © Oetker CollectionThe menu is deliberately eclectic, with sections from caviar concoctions to pizzas (I liked the way the printed pages, in a soft grey leather folder, clearly list opening hours, kids’ items are available and an optional 10% service is added. There are also four- and six-course tasting menus, obligatory for any parties of eight or more). We are brought nuggets of walnut and white sourdough breads, made here from a European yeast that originated in the 1950s. I go all-Brazil, with tuna and avocado followed by a local wagyu striploin, apparently an Angus-wagyu cross, and grilled heart of palm. Dinner dishes are avocado-coloured Heloise Galvao ceramics, and our no-vintage Guatambu Epice is deftly served in enormous Spiegelau glasses.Pool at Palácio Tangará © Oetker CollectionIn the morning, my requested New York Times, in a thick black leather pouch, was already hanging outside my door when I went down to the gym for its 6am. start. By 7am, breakfast was in full swing, with the kitchen ‘dining area’ now hosting a splendid buffet. I had masses of papaya and I also tried a pear-shaped cashew apple, a fruit from the cashew tree, Anacardium occidentale, originally native to northeastern Brazil (usually its pulp is processed into a sweet, astringent fruit drink or distilled into liquor). Yoghurts are home-made, or local Ati Latte, and jams are also Brazilian, by Queensberry. Really, I thought as I left the extraordinary super-luxury of Oetker’s Palácio Tangará, this place embodies luxury of today and, I think, tomorrow: space and nature, well-trained staff who smile and know when to keep out of the way, instant Wi-Fi, a bed that is marvellously supportive, superb Etro toiletries and a shower that is as simple as the light switches. And memorable food. I could go on and on.Go back to the enewsletterIndoor pool at Palácio Tangará © Oetker Collectionlast_img read more

Go back to the enewsletter When Pan Pacific Hotel

first_imgGo back to the e-newsletterWhen Pan Pacific Hotels Group acquired its second Australian Pan Pacific Hotels and Resorts property hotel – Pan Pacific Melbourne South Wharf– in July 2017, it did so with an ambitious plan to put its own stamp on the eight-year old hotel.Almost one year on, the hotel has officially launched following an extensive refurbishment and it’s definitely been well worth the wait!Located on the banks of the Yarra, the property first opened its doors as the Hilton South Wharf Melbourne in 2009, coinciding with the launch of the new Convention Centre and Plenary Hall at the Melbourne Exhibition and Convention Centre, and the eight-year-old building was due for a makeover.Pan Pacific Hotels Group engaged CHADA, one of the world’s leading interior design studios, to give the property a stylish and very comprehensive, face-lift. Taking almost 10 months to complete, the multi-million dollar refurbishment has completely transformed the hotel into a uniquely Pan Pacific experience. The end result is nothing short of spectacular.The overall look and feel of the hotel’s interiors are very much in keeping with its location at Melbourne’s South Wharf. A dramatic departure from dark red hues of the original entrance, the ground floor lobby now offers up a serene, light filled expanse of whites, blues and greys, interspersed with magnificent artworks that pay homage to the South Wharf precinct’s maritime history.All the key touch points including the Main Lobby, Lobby Lounge and Reception have been extensively refreshed, with new carpets and finishes added throughout, a key consideration when developing the design brief according to Pan Pacific Melbourne’s General Manager, Craig Bonnor. “For us the guest arrival experience is crucial, because you can’t make a first impression twice, and there is no doubt the new lobby delivers a much more stylish, contemporary and inviting guest environment than what we had previously.”Upstairs, the exclusive Pacific Club Lounge on level four with its panoramic city views, has also received an extensive facelift. Accommodating up to 120 people and available exclusively to Pacific Club guests, new furniture and finishes throughout the lounge and dining areas embrace traditional textures, delivered with a distinctly urban flare. The premium lounge offers up almost 370 square metres of functional spaces tailored to the needs of business and leisure travellers, with the new Small Zones compartments provide a clever alternative to the office or a café for meetings or just catching up – all of it is underpinned by Pan Pacific’s signature gracious and dependable service.And of course, Pan Pacific Melbourne’s 396 spacious Guest Rooms have also been fitted out with an array of fresh features designed specifically with guest comfort and functionality in mind. Rooms have been re-painted and re-carpeted in earthy tones. Other additions include chic desk lamps and sleek timber side tables, as well as contemporary armchairs and ottomans.Pan Pacific Melbourne is also the ideal base for exploring Melbourne. Located in a premium position in the heart of the city’s bustling South Wharf precinct, the hotel is close to some of the Melbourne’s most popular tourist attractions, as well as Southbank and Flinders Street Station, not to mention an array of numerous award-winning restaurants and unique retail offerings right on its doorstep.With direct access to the Melbourne Convention and Exhibition Centre, the hotel is also the city’s premier venue for MICE travel, catering for everything from intimate gatherings to grand galas to major conferences, with state-of-the-art facilities spanning 400 square metres of flexible meeting and events space, supported by two premium dining outlets – Dock 37 Bar & Kitchen and Café Orr, and a 24-hour fitness centre.Bonnor says, “We are incredibly excited to unveil the new look Pan Pacific Melbourne to our guests. Not only does this mark a significant milestone for the hotel, more importantly, it will offer our guests a true Pan Pacific experience where every touchpoint is focused on easing life’s stresses in an otherwise fast-paced world and bringing back balance to travellers.”Visiting Australia to celebrate the official launch of Pan Pacific Melbourne and Pan Pacific Hotels Group’s global rebranding, CEO Lothar Lothar Nessmann couldn’t agree more: “This last year has seen the Pan Pacific Melbourne undergo a dramatic transformation. The result is an exceptional property that is perfectly in sync with Melbourne’s stylish and progressive personality. We are really excited to be able to deliver the city with an unparalleled accommodation experience that integrates warm people, intuitive design and thoughtful processes, and one which is fully reflective of PPHG’s ethos of sincerity, that we know will appeal to anyone contemplating leisure or business travel in Victoria’s capital.” Go back to the e-newsletterlast_img read more

Increasing numbers of Brits are booking flights to

first_imgIncreasing numbers of Brits are booking flights to Canada ahead of this winter’s ski season, the Canadian Tourism Commission (CTC) has said.According to the CTC, the increase in visitors from the UK has led to many resorts investing in improvements.Nim Singh, the CTC’s media and public relations manager, explained that the UK represents approximately ten percent of all incoming skiers to Canada, although that figure is “growing”.”We’ve got other resorts announcing massive investments, for example, La Massif just outside Quebec has announced their investment in developing and creating a brand new facility,” she said.”Resorts in Kicking Horse, Panorama, Revelstoke and British Columbia are all actively encouraging British visitors to come.”Ms Singh went on to say that, over the last decade, British skiers booking flights to Canada have increased from 20,000 a year to 100,000.According to the Ski Club of Great Britain, the top resorts in Canada are Banff, Fernie, Lake Louise, Tremblant and Whistler.ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map RelatedMore skiers booking flights to JapanMore skiers booking flights to JapanIncreasing numbers of Brits book flights to value-for-money sunshine destinationsMore Brits are booking flights to destinations that offer value-for-money as well as warmth.Courchevel hosts Dali exhibition for skiersSkiers looking for a cultural destination this winter may head to Courchevel as the resort hosts a Dali exhibition.last_img read more

Examining data for three of its most popular route

first_imgExamining data for three of its most popular routes from the UK, Skyscanner found that, although overall search numbers were up in 2008, users searched for flights an average of 146 days ahead of when they planned to travel, but in 2009 this dropped to just 34 days.Barry Smith, Skyscanner co-founder and director commented:“There are two obvious reasons for this trend for later bookings. In the middle of the UK’s worst recession in decades many people didn’t want to book holidays too far in advance, in case they lost their jobs.“People also need to feel confident about the viability of airlines. Over the last 18 months, a number of airlines have folded and people are much more cautious of losing flights if they book too far ahead.“The irony of this is that although people are understandably keen to be financially prudent, it can be self-defeating as it’s almost always cheaper to book flights in advance – prices tend to rise the closer you get to the date of departure.”This wisdom was reinforced by cheap flight hunters commenting on Skyscanner’s Facebook page:“I book early if possible – it’s definitely cheaper. I pay on my credit card so don’t care if an airline goes bust – that is what insurance is for” said one user.ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map Skyscanner has reported a significant change in the way people are booking flights since the global downturn began. RelatedFlights to Edinburgh prove popular ahead of festivalMore people are expected to book flights to Edinburgh this month as travellers head to the city’s famous Fringe festivalSkyscanner German traffic up 13% following Lufthansa strike disruptionSkyscanner’s German site ( saw a 13% rise in traffic as travellers scrambled to find replacement flightsWhat are Skyscanner’s quality ratings all about?We don’t like to brag, but sometimes there are just too many great deals to choose from on our site! To make your choice a little bit easier, we’ve introduced a new feature: Quality ratings. But what is it, how do we calculate it and how can it help you…last_img read more

Related Bargains of the week Montpellier Milan

first_img RelatedBargains of the week – Montpellier | Milan | SalzburgDoes it already feel like the bank holiday weekends were a lifetime away?Bargains of the week: Palma | Pisa | RigaBargains of the week: Palma | Pisa | RigaBargains of the week: Valencia | Trieste | MaltaBargains of the week: Valencia | Trieste | Malta This week’s trio of bargains start at the rather tempting price of only £23 return! Valencia from £23Spain’s super-cool south-eastern city made the Lonely Planet top ten cities to visit in 2011. March sees the Las Fallas festival take place in the city, with explosions of gunpowder filling the air every day until 19 March as the city celebrates its patron saint, Saint Joseph. Find flights to ValenciaMontpellier from £63The South of France will soon be beginning to show signs of spring, and the delightful city of Montpellier is the ideal place to sample this changing of the seasons. Montpellier is home to the Jardin des plantes, France’s largest botanical gardens, while the city is also famous for its uneven hilly streets perched among the two peaks of the city, Montpellier and Montpelliéret. Find flights to Montpellier Malta from £47This beautiful Mediterranean island offers plenty to visitors on a pre-Spring break, including the Carnival which runs until 8 March, celebrating colourful Maltese culture and tradition. The island has dozens of picturesque beaches and harbour’s to explore, and fans of seafood will be in for a treat as Malta is famed for its delicious dishes including Aljotta (fish soup) and Braġjoli tat-tonn (fresh tuna roll-ups). Find flights to MaltaReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Maplast_img read more

Dallas Texas – Reported by Elite Traveler the Pr

first_imgDallas, Texas – Reported by Elite Traveler, the Private Jet Lifestyle MagazineWhile Cowboys Stadium may have failed to break the Super Bowl attendance record, Million Air Dallas succeeded in a record number of flight arrivals and departures throughout the course of the weekend – Thursday, February 3 -Monday, February 7.Record numbers of 195 arrivals and 106,000 total gallons of fuel pumped were partly a result of bizarre winter storms that dumped snow on the ill-equipped city, causing both Dallas Love Field and Dallas/Fort Worth Airports to shut down completely on Friday morning. Airline cancellations topped 20,000. The alternate airport of choice quickly became Addison Airport (ADS), home of Million Air Dallas, a mere eight miles to the north.Thanks to the support of its sister locations, Million Air Dallas was equipped for the winter storm conditions and record traffic. Million Air Salt Lake provided a much-needed de-ice truck, which was a primary reason why aircraft chose to fly into ADS. Employee volunteers traveled from Houston, San Antonio and Salt Lake City to service the influx of customers.Pilots who awaited their passengers were treated to a party of their own on Sunday night. Million Air Dallas enhanced its upstairs lounge with additional couches and big screen televisions donated by Rent-A-Center, and offered a catered meal from Cantino Laredo, sponsored by AVFUEL.Million Air Dallas also set up an official NFL store where arriving and departing passengers conveniently purchased souvenir Super Bowl items.www.millionair.comlast_img read more