Episcopal Migration Ministries’ Virtual Prayer Vigil for World Refugee Day Facebook Live Prayer Vigil June 20 @ 7 p.m. ET The Church Investment Group Commends the Taskforce on the Theology of Money on its report, The Theology of Money and Investing as Doing Theology Church Investment Group Assistant/Associate Priest Scottsdale, AZ [Diocese Northwest Texas] It is with profound sadness that the Diocese of Northwest Texas shares news of the death of a great friend and an outstanding icon of lay servanthood. Katherine Elizabeth (Betty) Davis Gilmore, of Midland, Texas, died peacefully on the afternoon of May 9, 2017.Betty had recently been diagnosed with a serious illness, and was sent to the University of Texas M.D. Anderson Cancer Center for further diagnostics and possibly treatment. She was transferred back to Midland recently to be with her family, and died at home, surrounded by her loved ones.She leaves behind her husband of 60 years, Willis (Bill), and four children: Kathy Shannon of Midland; Karen Anderson and husband, Steve, of Fort Collins, Colorado; Trey Gilmore and his wife, Susan, of Houston, Texas; and Laurence Gilmore of Denver, Colorado. She was the grandmother of eight grandchildren and three great-grandchildren.Betty was born September 3, 1933, in Baton Rouge, Louisiana. Her childhood years were spent in New Orleans, Louisiana, while attending Louise S. McGhee School. She enjoyed her summers at Camp Waldemar where her daughters and granddaughters continued the tradition. She later attended and graduated from The Hockaday School in Dallas, Texas. She studied English Literature at Randolph-Macon Woman’s College and graduated from the University of Texas at Austin in 1955. She was a member of the Pi Beta Phi sorority in which she remained actively involved for many years.If you were “friends” with Betty on the web, you may have encountered her personal profile on LinkedIn, which listed her role, her “job,” as an “Independent Non-Profit Organization Management Professional,” a description that was quite apropos. She used that knowledge and experience to be civically active in Midland, where she served on the Board of Manor Park, a local retirement facility, and was a charter member of the Midland Symphony Guild, where she formulated the organization’s bylaws with fellow Guild charter member, Harriet Herd. She and Mrs. Herd continued to create bylaws for various organizations throughout the community. Betty participated actively in Junior League, Friends of the Library, and the Samaritan Counseling Center.For numerous decades, Betty served the Episcopal Diocese of Northwest Texas, and the Episcopal Church, in almost every capacity in which a layperson could serve. The executive secretary emeritus for the diocese, Carolyn Hearn, recently spoke lovingly of Betty, by reflecting, “Betty was the greatest mentor I’ve ever had. She took me under her wing when I was hired as the executive secretary, and kept me there for 37 years.” Betty’s grace and knowledge were exceptional. She lit up every room she entered with her gracious smile and cheerful personality. She was, indeed, a great Southern lady and an outstanding servant leader, setting an example for what lay leadership could be. The April 2017 diocesan newsletter, The Adventure…on the go, stated, “She has always answered the call of service to the diocese willingly and happily. Her beautiful white hair and equally sparkling smile can’t compare to her gracious personality.”In her decades of service for the diocese, Betty served as parliamentarian for the annual diocesan convention for many years, as well as serving as the chair of the Constitution and Canons Committee, during which she oversaw the complete re-write of the diocesan Constitution and Canons. Betty also served on the Standing Committee, the committee in charge of ecclesiastical oversight for the diocese; the Commission on Ministry, which assists the diocese with screening and approval of candidates for the priesthood and diaconate; as well as serving as the diocesan ECW president. She was a lifelong Episcopalian and active member of St. Nicholas’ Episcopal Church, in Midland, serving on the vestry, as well as serving as a lay Eucharistic minister, a lector, and through assisting with the planning and execution for the construction of the new church building on the Loop. Additionally, she served for numerous years on the Province VII Council, as the Secretary of Province VII of The Episcopal Church.On a church-wide level, Betty served the Episcopal Church for years through her service to General Convention as the chair of dispatch of business, as well as serving as a General Convention deputy representing the diocese. Betty was also the chair of the Committee for Restructure of the Church, from 1994-1997. Prior to the 1994 General Convention, Betty was asked to write an article for The Living Church, a publication of the Living Church Foundation, as a service for the Episcopal Church and the Anglican Communion. The article was entitled, “The Big Picture from Many Angles,” which discussed a possible new direction for the Episcopal Church at the Indianapolis General Convention. In her service to the Church, Betty developed relationships with Episcopal Church presiding bishops, diocesan bishops, and many, many other people who respected her tremendously.As a result of her long years of service and leadership, Betty was awarded an honorary doctorate degree in humane letters in 1999, from the Seminary of the Southwest in Austin, Texas. The citation that accompanied Gilmore’s honorary degree remarked, “Highly organized, skillful facilitator and keen yet gracious parliamentarian, you have been the epitome of lay ministry in all levels of the Episcopal Church for decades. You have left your mark not only on your parish, St. Nicholas’, Midland, and the Diocese of Northwest Texas, but also Province VII and the national church.” Again, in 2006, Betty was honored by being named the Diocese of Northwest Texas Honored Woman at the national Episcopal Church Women’s (ECW) Triennial meeting, which ran concurrently with the 75th General Convention of The Episcopal Church, in Columbus, Ohio. She was identified by the National Episcopal Churchwomen’s Board, with other women throughout the Episcopal Church, as “modeling the Christian life.” The October 2006 diocesan newsletter reported, “She walks in the ways of God in the church and the community. She uses her God-given gifts in all she is and in all she does. Betty has graciously and faithfully served her parish, diocese, province and the national church in ways too numerous to mention here.” It goes without saying that her presence, wisdom, and grace will be greatly missed, but her untiring service to her family, friends, church and community will continue as an inspiration to all who knew her.A memorial service was held May 17 at St. Nicholas’ Episcopal Church in Midland.Online condolences may be offered here.The Gilmore family suggests memorial gifts may be sent to:The Gilmore family’s suggested memorial gifts are listed here. Missioner for Disaster Resilience Sacramento, CA The Church Pension Fund Invests $20 Million in Impact Investment Fund Designed to Preserve Workforce Housing Communities Nationwide Church Pension Group In-person Retreat: Thanksgiving Trinity Retreat Center (West Cornwall, CT) Nov. 24-28 Press Release Service Seminary of the Southwest announces appointment of two new full time faculty members Seminary of the Southwest Assistant/Associate Rector Morristown, NJ Rector Albany, NY Featured Events Rector Knoxville, TN Inaugural Diocesan Feast Day Celebrating Juneteenth San Francisco, CA (and livestream) June 19 @ 2 p.m. PT Tags Episcopal Charities of the Diocese of New York Hires Reverend Kevin W. VanHook, II as Executive Director Episcopal Charities of the Diocese of New York Posted May 19, 2017 Rector Washington, DC Rector Belleville, IL Family Ministry Coordinator Baton Rouge, LA Rector Smithfield, NC Assistant/Associate Rector Washington, DC Rector Martinsville, VA Rector Pittsburgh, PA Featured Jobs & Calls Youth Minister Lorton, VA Curate Diocese of Nebraska Submit a Job Listing Virtual Celebration of the Jerusalem Princess Basma Center Zoom Conversation June 19 @ 12 p.m. ET Ya no son extranjeros: Un diálogo acerca de inmigración Una conversación de Zoom June 22 @ 7 p.m. ET Rector Collierville, TN This Summer’s Anti-Racism Training Online Course (Diocese of New Jersey) June 18-July 16 AddThis Sharing ButtonsShare to PrintFriendlyPrintFriendlyShare to FacebookFacebookShare to TwitterTwitterShare to EmailEmailShare to MoreAddThis People Course Director Jerusalem, Israel Remember Holy Land Christians on Jerusalem Sunday, June 20 American Friends of the Episcopal Diocese of Jerusalem Curate (Associate & Priest-in-Charge) Traverse City, MI Associate Priest for Pastoral Care New York, NY Bishop Diocesan Springfield, IL Rector/Priest in Charge (PT) Lisbon, ME Director of Administration & Finance Atlanta, GA Cathedral Dean Boise, ID Rector Tampa, FL Obituary, Rector Shreveport, LA New Berrigan Book With Episcopal Roots Cascade Books RIP: Katherine Elizabeth (Betty) Davis Gilmore Rector Bath, NC Rector and Chaplain Eugene, OR Submit a Press Release TryTank Experimental Lab and York St. John University of England Launch Survey to Study the Impact of Covid-19 on the Episcopal Church TryTank Experimental Lab Priest-in-Charge Lebanon, OH Associate Rector Columbus, GA Associate Rector for Family Ministries Anchorage, AK Join the Episcopal Diocese of Texas in Celebrating the Pauli Murray Feast Online Worship Service June 27 Director of Music Morristown, NJ Priest Associate or Director of Adult Ministries Greenville, SC Canon for Family Ministry Jackson, MS Rector Hopkinsville, KY An Evening with Presiding Bishop Curry and Iconographer Kelly Latimore Episcopal Migration Ministries via Zoom June 23 @ 6 p.m. ET Rector (FT or PT) Indian River, MI Submit an Event Listing
You have entered an incorrect email address! Please enter your email address here Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Support conservation and fish with NEW Florida specialty license plate The Anatomy of Fear Save my name, email, and website in this browser for the next time I comment. 1 COMMENT Click Orlando.com has a story about a Florida Walmart store that has a display of the twin towers and a big American flag background stacked up and made from cartons of Coke products. At the top it has a banner. They had complaints and took it down. Why? What is wrong with that? It was a tribute to our nation and the victims. ????? September 9, 2016 at 9:03 pm Please enter your comment! Share on Facebook Tweet on Twitter Mama Mia LEAVE A REPLY Cancel reply TAGS911Christian LamphereCity of Apopka Previous articleOn This Day: Watergate is resolvedNext article“Team Effort” stops Apopka crime spree Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your name here From The City of ApopkaThe City of Apopka will recognize the 15th anniversary of 9/11 on Sunday with the unveiling of a special memorial created by local Boy Scout Christian Lamphere.The ceremony honoring first responders and others lost on Sept. 11, 2001, will begin at 8 a.m. Sunday on the front steps of Apopka City Hall, 120 E. Main St. Parking is available around City Hall and adjacent streets.The community is invited for presentations from Apopka’s fire and police departments, elected officials and the Boy Scouts of America. A ribbon cutting will unveil the new 9/11 monument next to City Hall. Lamphere’s Eagle Scout project includes a section of the original World Trade Center from New York.“The City of Apopka is so proud that Christian selected this memorial to earn his Eagle Scout rank. The project has brought our community together for a very special remembrance of Sept. 11 and galvanized a patriotic spirit in everyone involved,” said Apopka Mayor Joe Kilsheimer.The memorial features a 10-foot exterior building panel from the World Trade Center acquired by Apopka City Commissioner Diane Velazquez and her husband, Ed. Two pieces of Pennsylvania granite were donated by Brandywine Quarry in Parkesburg, PA. The memorial, which sits on a pentagon-shaped foundation, includes fountains, flower beds and brick pillars with plaques dedicated to first responders and the City of Apopka.Local businesses and organizations including Copart, The Home Depot, Mullinax Ford, Bowk and Sarmo Construction, Construct Rite Masonry, Apopka firefighters and city staff, T-3 Fabrications and others contributed funding, materials and labor to help Lamphere put the memorial together. Lamphere organized a car wash and other fundraisers to collect donations.Lamphere originally proposed the memorial in 2015 and spent much of the past year putting it all together. His idea is to recognize first responders and others lost in the tragic terrorist attacks that flew hijacked passenger jets into New York’s World Trade Center and the Pentagon in Virginia on Sept. 11, 2001. Another jet crashed that day into a field near Shanksville, Pa.The 13-year-old scout has worked diligently with his family to make the memorial into reality. The Lamphere family and others from the Apopka community also raised donations for First Responder Day on Saturday, when they will bring meals and gift packages to Apopka’s firefighters, police officers, police canines and emergency dispatchers.Also on Saturday, Christian Lamphere will be a guest of The Home Depot for the Tunnel to Towers 5K race at Cranes Roost Park in Altamonte Springs. Reply
Businessman John Timpson CBE has pledged £1 million to help After Adoption expand its SafeBase parent training programme to families across the UK, to help reduce adoption break-downs.Every year one in five adoptions fails, often because of attachment difficulties between the parents and child, and combined with falling adoption rates in the UK (only 2,300 children were adopted last year) an increasing number of children are growing up in the care of local authorities.After Adoption’s SafeBase programme, however, is helping to counter these trends in regions including Greater Manchester, Lancashire, Merseyside and Wales, with over 120 families and over 200 children helped to build long-lasting attachments.The £1million funding now ensures the successful techniques of SafeBase will be extended nationwide by 2016, allowing After Adoption to partner with more local authorities and help hundreds of families stay together.Mr Timpson, who with his wife Alex has adopted two children and been a foster carer to over 90, says: “Over the years we have cared for many children. It hasn’t always been easy, but you learn from experience and one thing I do understand now is the importance of attachment and the incredible difference getting the right support can make”.The four-day SafeBase course teaches adoptive parents skills and techniques to help build the relationship with their adoptive children and uses established Theraplay® techniques to create healthy attachments.www.afteradoption.org.uk John Timpson pledges £1m to parent training programme Tagged with: Major gift Howard Lake | 19 April 2011 | News 44 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.
Moratorium NOW! Coalition fighting for water and housing as rights in Michigan.A demonstration at the Wayne County treasurer’s home on Aug. 31 and a subsequent action at the treasurer’s office on Sept. 5 demanded that Wayne County Treasurer Eric Sabree suspend the auction of 3,100 homes, including 1,400 occupied homes, scheduled to begin Sept. 5 and to extend into October.The suspension will give time for the Michigan State Housing Development Authority to seek federal approval for a plan to amend the Step Forward program, which administers the use of the federal Hardest Hit funds in Michigan.At a meeting between the head of MSHDA, the MSHDA administrator of the Helping Hardest Hit program, and representatives of the Coalition to Stop Unconstitutional Tax Foreclosures on Aug. 30, the MSHDA agreed to have coalition members draft an amendment to the Step Forward rules.The amendment would allow for Hardest Hit funds to be used for the city of Detroit and/or Wayne County to pay delinquent property tax bills if these entities exercise their right of first refusal on the 1,400 occupied homes facing auction, and then eviction, starting next week. Under Michigan law, either Wayne County or the city of Detroit can exercise their right of first refusal to pull occupied homes out of the auction.The MSHDA said they would submit this proposal for approval by the Treasury. This was a major concession to anti-foreclosure activists led by the Moratorium NOW! Coalition, who have been fighting for use of the funds to save homes — as intended under the program.At the meeting with the MSHDA, it was revealed that only 193 Wayne County families, of the thousands who have faced tax foreclosure this year, had received benefits from the Hardest Hit fund. This is a result of the Step Forward regulations being out of step with the reality of those facing the loss of their homes in Wayne County, and especially in Detroit.It also came out that there is currently $130 million in unspent Hardest Hit funds available to keep families from losing their homes. In contrast, only $12 million is needed to pay the delinquent bills of the 1,400 families scheduled to see the homes they occupy auctioned off.The agreement by the MSHDA to pursue using Hardest Hit funds to pay the delinquent taxes offers a practical way forward to save 1,400 more families from being thrown into the street. This plan would actually bring money into the treasuries of Wayne County and Detroit, who only stand to recover pennies on what are owed in delinquent taxes through the auction.Once the delinquent taxes are paid, the occupants will have the opportunity to pursue poverty tax exemptions to which they are entitled and have their home assessments reset to the true market value, in conformity with the Michigan Constitution.For more information on this struggle and the Moratorium NOW! Coalition, see moratorium-mi.org or facebook.com/MoratoriumNowCoalition/.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare this
RETAILERS in Limerick’s Fashion Quarter have joined forces to help create some Christmas magic in the city centre this year. In conjunction with Limerick Local Heroes, traders on Roches Street and Catherine Street have arranged for buskers, brass bands, carol singers and various performers to entertain shoppers over the Christmas period. To further entice shoppers into the city centre, Fashion Quarter stores have extended their opening hours throughout the month of December until 7pm on Friday evenings; the shops will open from 1pm to 5pm on Sunday December 9 and 16, and from 10am to 5.30pm on Sunday, December 16.Sign up for the weekly Limerick Post newsletter Sign Up Fashion Quarter secretary Garvan Barry explained that this is the first time such an initiative has been introduced.“Previously it had been open to individual traders to decide their opening hours, but this year in the Fashion Quarter we have decided to coordinate our hours; if the shops are all consistently open, people will come in.”It is hoped that the move will encourage Limerick consumers to support independent city centre traders this Christmas.Mr Garvan explained: “The city centre has an awful lot more to offer in terms of individual offers and a greater array of independent traders. It’s also much more enjoyable to shop in the city at Christmas due to the festive atmosphere. We’re hoping to create that Christmas buzz in the Fashion Quarter.”He also praised Limerick City Council for providing free on street parking in the afternoons to help increase footfall in the city. Twitter Email WhatsApp Advertisement Linkedin Print NewsLocal NewsChristmas spirit at the fashion quarterBy admin – November 23, 2012 705 Facebook Previous articleMunster Rugby Women name squad for inter pro’sNext articleThief not getting the message admin
Share Save Servicers Navigate the Post-Pandemic World 2 days ago February 11, 2018 3,059 Views Demand Propels Home Prices Upward 2 days ago Nicole Casperson is the Associate Editor of DS News and MReport. She graduated from Texas Tech University where she received her M.A. in Mass Communications and her B.A. in Journalism. Casperson previously worked as a graduate teaching instructor at Texas Tech’s College of Media and Communications. Her thesis will be published by the International Communication Association this fall. To contact Casperson, e-mail: [email protected] Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Subscribe About Author: Nicole Casperson Sign up for DS News Daily Docutech’s Amy Brandt Appointed to CEO Home / Daily Dose / Docutech’s Amy Brandt Appointed to CEO The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles Docutech, Idaho Falls, Idaho- and Scottsdale, Arizona-based provider of document, eSign, eClosing, and compliance technology for the mortgage, home equity and consumer lending industries, has named Amy Brandt as its new CEO. Brandt, formerly President and COO, will continue to serve as the company’s president and will assume the CEO role from Founder Ty Jenkins, now the company’s chairman.“I couldn’t be more pleased to announce the appointment of Amy Brandt as Docutech’s new CEO,” said Docutech’s Founder and Chairman Ty Jenkins. “Amy possesses the strategic vision, expertise, tenacity, and exemplary leadership qualities we were seeking for this role and it’s clear she has what it takes to lead Docutech in this exciting next chapter of growth and beyond.”Brandt’s appointment to CEO represents a key development in Docutech’s growth strategy. Recognizing the company’s long-standing document and compliance leadership position and potential for growth, Serent Capital, a San Francisco-based private equity firm, made an investment in Docutech in 2016.As part of a broader ownership structure, an Advisory Board was formed and collaborated in the selection of Brandt as the company’s new CEO. In taking Docutech to the next level, Brandt will drive the company’s strategic vision and lead its growth initiatives by adding new products, entering new market segments and seeking strategic acquisitions.Brandt is a mortgage industry veteran who brings more than 20 years of expertise to the new role. Prior to joining Docutech last spring, she most recently served as president of originations and corporate technology at New Penn Financial, where she oversaw all origination channels, including direct-to-consumer products, third-party originations, and retail.Prior to New Penn Financial, Brandt served as COO of Prospect Mortgage, where she enhanced day-to-day operations and transformed the lender’s technology infrastructure.“I’m thrilled to be at Docutech’s helm during such an exciting time in our industry and to continue to evolve our world-class technology and solutions to transform the way lenders do business and serve their customers,” said Brandt. “I am truly honored to be a part of such an outstanding team that is well poised for success.” Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: Safeguard Properties Launches Next-Generation Multimedia Application Next: Study Says: Rising Rates to Marginally Affect Home Buying Data Provider Black Knight to Acquire Top of Mind 2 days ago DocuTech HOUSING mortgage Movers and Shakers 2018-02-11 Nicole Casperson The Best Markets For Residential Property Investors 2 days ago Tagged with: DocuTech HOUSING mortgage Movers and Shakers in Daily Dose, Featured, News, Technology Governmental Measures Target Expanded Access to Affordable Housing 2 days ago
Banks Foreclosures legal audits Lenders Procedures Servicers Vendors 2018-03-12 Radhika Ojha Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago March 12, 2018 2,531 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Sign up for DS News Daily Tagged with: Banks Foreclosures legal audits Lenders Procedures Servicers Vendors The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: Rental Markets vs. Buyer Markets Next: The Long Road to Recovery for Ohio and Foreclosures The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / A Universal Solution to a Universal Problem A Universal Solution to a Universal Problem Editor’s note: this feature originally appeared in the March issue of DS News, out now. In the past decade, decreasing volumes on both the servicer and attorney side have forced companies to tighten their belts to remain profitable. One area of particular concern for both parties is the attorney audit. Law firm audits cost servicers millions of dollars annually while the firms spend tens of thousands of dollars per audit in employee time. On top of this, attorneys spend numerous hours filling out audit questionnaires, while managers are taken from their daily duties to sit in on each individual audit. The irony is that the bulk of the information requested is the same, so why hasn’t the industry been able to come up with a universal solution? It turns out the answer is already here.The Universal ProblemWhen the Consumer Financial Protection Bureau (CFPB) was created, the Bureau instituted the audit, in part, to resolve the issue of potential attorney malfeasance. Issues such as robo-signing, impossibly shortened timelines, and a failure to comply with federal statutes, such as the Servicemembers Civil Relief Act, indicated that some borrowers were being foreclosed upon in inappropriate ways. Since the work was being done on behalf of the default servicing community, servicers were called upon to provide the oversight of third-party vendors.Immediately, companies scrambled to come up with new protocols to ensure their counsel were utilizing entirely compliant processes.While talk immediately began of a universal protocol, in order to move quickly, each servicer began establishing its own requirements, as well as establishing staff that would perform onsite audits.With no prior guide, auditors and compliance staff undertook developing questionnaires and audit protocol based upon their individual interpretation of the rules. Accordingly, there were discrepancies from servicer to servicer. Further, the fact that audit and compliance teams needed to be established, created a situation where management-level staff had to be taken away from their primary tasks, leaving particular duties unfulfilled.“Often times, a different set of standards based not on need but on preference cause confusion for creditors, servicers, vendors, and anyone else involved in the practice of default services,” said Jim Bonner, Senior Partner at Brock & Scott PLLC.While profitability has been shrinking for most, the nonrecoverable expense of attorney audits has only heightened this situation. The cost per attorney audit averages between $8,000 and $12,000, causing many servicers to look for new ways to save money. On the law-firm end, costs can range between $10,000 and $40,000 in productivity per audit.To mitigate this, the use of larger, multistate law firms has become the norm, even where such firms have longer timelines or diminished customer service. When the GSEs began requiring servicers to use at least two approved firms per state, the thought was that work would be spread around, giving smaller firms an opportunity to compete. It also helped alleviate the risk of “putting all of your eggs in one basket.” Sadly for the industry, the opposite has happened. Numerous small firms have closed, left the industry, or been bought for pennies on the dollar. Small firms frequently cannot afford to absorb the cost of audits, or the extreme level of associated compliance, without sufficient volume to help defray the costs.Consolidation of default work into fewer mega firms carries its own unwanted risk. The abrupt closing of Butler & Hosch P.A. and Zucker, Goldberg and Ackerman LLC sent shock waves through the industry. That is on top of the mid-crisis closing of numerous firms caught robo-signing (or other alleged misdeeds), resulting in over 100,000 files being transferred to other firms at tremendous expense to servicers and the GSEs alike, which in turn spun off the rules regarding the use of multiple firms. The recent mega firm closings appear to be more management-oriented, but the financial risk is still very real. This is not to say that such firms need to be avoided, or that smaller firms are always preferable, but such issues should be considered. How then should the industry balance such risk against exorbitant costs? The simple answer: consolidating audit and compliance oversight into a common, “universal” platform.Streamlining ProceduresA potential solution to some of the most common problems involves creating a uniform standard as to what is measured during an audit. Identification of core requirements will promote efficiency, decrease costs, and help identify the root cause of problems facing vendors and servicers alike. Similar to the information technology industry standards like ISO 27001 or a SSAE18, standardizing the scope of audits will streamline the focus on what issues they are facing while also allowing servicers to focus on requirements required by various investors.“If a vendor receives 10 scorecards from 10 clients and each scorecard reports something different, then the vendor is required to implement 10 versions of processing a file. This will decrease the efficiency of the employees within the vendor, cause potential risks from processing a file incorrectly, and ultimately increase the cost of processing the files. However, if vendors were graded only on a uniform set of standards, then efficiency increases, audit results will likely be more positive, and identifying weaknesses (or strengths) of the vendor is streamlined. Additionally, with uniform standards, the back-and-forth and argumentative approach to non-uniform metrics are eliminated. Rather, a vendor and servicer will know exactly what is expected,” said Bonner.While an extensive debate has been going on for many years regarding what should or should not be included in all attorney audits, the benefits are obvious.In the two years that I have been working on this subject, several things have become clear. The first is that the use of outside CPA/auditors is somewhat counterproductive because they have no knowledge of the foreclosure process. This is especially true because each of the 50states is unique, leaving an outsider with no specific knowledge of what they are auditing. The second is the fear by some servicing staff that the use of outside companies may cost them their job. Certainly, at the manager level, that could never be true since the Office of the Comptroller of the Currency (OCC) and CFPB specifically require servicer oversight of its thirdparty vendors. In other words, managers will always be protected as their role in monitoring the data and making firm-by-firm decisions still lies solely with them.The third issue comes from my direct observations while establishing the first universal audit prototype for U.S. Default Management. When comparing the questionnaires of three different servicers, I noted that 90 percent of the audit questions used by each were the same, even if they used different words. The remaining 10 percent were unique questions to each individual servicer. While my original thought was to use one base questionnaire and have the answers mapped to an individual servicer’s version, I realized that each servicer was better off with all of the information in their possession. Imagine a CFPB auditor asking for information that other servicers have, but you do not. A company would look very silly when they are the only one lacking that particular set of data. Why not just include everything that everyone wants? That is exactly what U.S Default Management has done, not just with the questionnaire, but also with the entire audit process. Granted, if a client is adamant about excluding certain information, we can certainly set that up in the system, but do you want to be the executive that makes that decision?For those who are concerned about the use of a standardized audit, or the use of third-party audit providers, the OCC issued a frequently asked questions (FAQ) communication on June 7, 2017, which has a very positive impact for the success and implementation of law firm standardization. This FAQ is a supplement to OCC Bulletin 2013-29, “Third-Party Relationships: Risk Management Guidance,” that was issued on Oct. 30, 2013. The FAQ covers 14 questions of which three specifically address standardization, the outsourcing of audits and collaboration in those audits. In summary, the OCC has conveyed three critical clarifications of their third-party service provider oversight requirements relating to attorney audits:Banks may take advantage of various tools designed to help them evaluate the controls of third-party service providers. In general, these types of tools offer standardized approaches to perform due diligence and ongoing monitoring of third-party service providers by having participating third parties complete common security, privacy and business resiliency control assessment questionnaires.Banks may outsource some or all aspects of their compliance management systems to third parties, so long as banks monitor and ensure that third parties comply with current and subsequent changes to consumer laws and regulations.When multiple banks use the same third-party service providers they can collaborate to meet expectations for managing third-party relationships.As it turns out, there are companies that have been aiding the servicing side for the past few years. Some perform audits, on a client-by-client basis, and others, such as Decision Ready Solutions and Vendor Risk, provide technology that aid servicers in performing and maintaining audit-related data. While such services do not appear to include a universal audit, they do help consolidate and standardize the data that has been accumulated from each law firm, based on an individual servicers needs.U.S. Default Management has taken a different approach. “Instead of hoping everyone would agree on a common questionnaire, we simply combined all of them and created our own ‘universal audit,’” says Dawn Alli, VP of Operations. “We have spent a lot of time developing cutting edge technology, which provides complete transparency for both servicers and attorney firms. We can add questions or processes within 24 hours, which also allows us to slash the cost of the entire process. The more servicers that jump on board with us, the more affordable the process can become because we can spread the overall costs amongst all of our clients.”While the direction of the CFPB may be wavering, attorney audits will remain a mandatory facet of default servicing. Backing off such oversight leaves companies incredibly vulnerable in the event of future attorney misconduct or financial misstep. Maintaining oversight of both process and financial conditions of default attorney firms is the only way to shield a servicer from public, governmental, and legal exposure down the road. Even if the CFPB backs off its rules, competent servicers will not back off of third-party vendor oversight. With greater efficiencies at our fingertips, it is time to implement a standardized initiative. Whether one utilizes an out-sourcing company to cut costs or keeps the operation in-house, the “universal audit” is an undertaking that should be performed by every default servicer. in Daily Dose, Featured, Print Features Subscribe
The manager of Ardington House was unavailable for comment.It was also revealed this week that Anna Kournikova will no longer be speaking due to budgetary restrictions.Although it was understood that all costs had been settled, it was not known that Kournikova’s expenses would include two assistants, who would also require international flights, accommodation in a five star hotel and car transportation.Dixon commented, “The latest estimate of the costs of her visit to the Union,including flights and accommodation, was in excess of £2,500, and we feltthat it would be fiscally irresponsible to spend this amount on a singleevent.”The total trinity term budget for individual speakers is £3,800. Excluding Kournikova, there are 22 individual speakers listed in the term card. According to Sonia Krylova, Union’s press officer the average expenditure per speaker is £600. With £1400 spent on Martin Sheen’s flights from the US alone, Union’s budget is already more than stretched.Most students have agreed that in the end the Union made the right decision.One Univ student commented, “Kournikova’s requests were pretty unreasonable, I think the Union were justified in cancelling the event.”However, there are worries whether Union’s financial woes will not lead to further cancellation of events.The Union has also been criticised this week for its links with a controversial company specialising in “fiscal engineering”. The Oakfield Group, who have sponsored pre-debate drinks, is registered in the Isle of Man and offers a “boutique service” to clients to “reduce tax liability”.The Union defended its decision to accept the sponsorship, commenting, “The Union does not accept membership from any of the companies blacklisted by OUSU, such as BAE systems.” Oxford Union members have been disappointed this week by the news that the location of the ‘Garden of Eden’ Ball has been changed from Ardington House to Oxford Union and the cancellation of the long-awaited speaker Anna Kournikova.Oxford Union’s Trinity term ball is traditionally hosted in an out of Frenwin court location. However, this year’s event will be held in the Union premises.The reason for the cancellation of the Ardington House hire is the sudden price increase.Laura Winwood, Oxford Union’s secretary, has verbally agreed the price of the location. However, the manager of the House has been out of contact for several weeks. He then proceeded to demand an additional £12 per head for corkage, £5000 in total, to the costs which had already been agreed.The Union’s press spokesperson commented that “this made it no longer cost-effective to host the ball there”.In light of the change of venue, the price of Ball tickets has been lowered by £10, so members will now pay £39.Corey Dixon, Union President, remains positive about the event, congratulating the Secretary on her hard work, and commenting that the changes should not reflect badly on “her or the union as a whole”. He added that the ball would be “the best value on the market”, and should particularly appeal to those unable to afford the more expensive college balls.One Union member commented, “This is an utter disgrace. I was looking forward to spending a lovely evening in an Oxfordshire country home.”However, in general the reaction to the news has been sympathetic, with a St John’s first year adding that while the Union seemed to be doing a good job, “It is clear they should have signed a contract before advertising the Ball.”
Google+ Facebook By Tommie Lee – October 1, 2020 0 333 Twitter CoronavirusIndianaLocalNewsSouth Bend Market WhatsApp Twitter (Photo supplied/City of Elkhart) A pair of positive COVID-19 tests within the staff at City Hall has caused the City of Elkhart to close the building for Thursday and Friday.Mayor Rod Roberson says the proactive step was made to allow for a deep cleaning of the facility.The two employees attended budget hearings on Saturday, and all who attended have been notified for testing as a precaution.The City of Elkhart believes that with proximity policies, PPE usage, and sanitizing that was already in place, the risk of additional spread is low. The city says the health of its staff and residents is their top priority. Facebook WhatsApp Elkhart City Hall closes due to positive COVID tests Google+ Pinterest Pinterest Previous articleNotre Dame student senate considering resolution asking for Father Jenkins resignationNext articleNearly 2,400 cases of COVID in Indiana schools Tommie Lee
Edit this setlist | More ZZ Top setlists Three days into their joint tour, ZZ Top and Gov’t Mule made a splash at Pier Six Concert Pavilion in Baltimore, MD last night. Mule kicked things into gear with a ten-song opener, including originals “Larger Than Life”, “Brighter Days”, and “Captured”, and a fantastic cover of Ann Peeble‘s “I Feel Like Breaking Up Somebody’s Home” featuring saxophonist Ron Holloway. After the southern rock quartet warmed up the stage, and Warren Haynes‘ fluid guitarwork and vocals effectively filled the space, it was time for headliners ZZ Top to take the stage. Led by Billy Gibbons and Dusty Hill, the trio went through rock favorites like “Sharp Dressed Man”, “Gimme All Your Lovin’”, along with covers of Jimi Hendrix‘s “Foxy Lady”, Robert Petway‘s “Catfish Blues”, Merle Travis‘s “Sixteen Tons”, and Elvis Presley‘s “Jailhouse Rock” to close the night.Thanks to some dedicated YouTube users, you can enjoy these videos from last night’s performance below:Gov’t Mule, Like Flies [via thegrassman]Gov’t Mule, Blind Man In The Dark [via thegrassman]Gov’t Mule w/ Ron Holloway, Feel Like Breaking Up Somebody’s Home [via Lisa Espada]ZZ Top, Sixteen Tons & Cheap Sunglasses [via Jim Powers]ZZ Top, La Grange & Tush [via Jim Powers]ZZ Top, Gimme All Your Lovin [via Jim Powers]ZZ Top, Rough Boy & Idiot Inbred Yells At Me [via Jim Powers]ZZ Top, Legs [via Jim Powers]ZZ Top, Jailhouse Rock [via Jim Powers]ZZ Top, Catfish Blues & Two Trains Running [via Jim Powers]ZZ Top, Sharp Dressed Man [via Jim Powers]The show continues tonight at Koka Booth Amphitheater at Regency ParkCary, NC. For more information on their upcoming tour, head here.