Struggle with confidence in work? Our expert has the answers to your questions Do you have questions about growing your confidence at work? We want to hear them. 15,610 Views Monday 11 Jun 2018, 3:20 PM Image: Shutterstock/stockfour Short URL By Cliodhna Russell http://jrnl.ie/4064621 LOW CONFIDENCE AT work can stop people from reaching their full potential, but even if you know it’s an issue, growing that confidence isn’t always easy.Often people with low confidence can feel that those with less knowledge and experience, but with more confidence, can get ahead quicker.We’re hosting a Facebook Live at 2pm tomorrow afternoon with career coach Sophie Rowan who will answer your questions about confidence in the workplace.So whether you’re wondering how to speak up in meetings, or build your relationship with your boss, now’s your chance to ask the real expert.While we will be taking questions live from our Facebook participants on the day, we also want to hear from you in advance.Send any questions you have to email@example.com, or simply leave them in the comments below! Jun 11th 2018, 3:20 PM Image: Shutterstock/stockfour 3 Comments Share11 Tweet Email4 Tweet thisShare on FacebookEmail this article
Evan Rachel Wood Just As Disturbed by Humanoid Sophia As Everyone ElseMIT’s Thread-Like Robot Slides Through Blood Vessels In the Brain Let us know what you like about Geek by taking our survey. Stay on target Robots already walk like insects. Soon they’ll be able to think like them, too.A team at the Tokyo Institute of Technology is teaching a six-legged android to improvise and adapt—just like bugs.“Perhaps the most exciting moment in the research was when we observed the robot exhibit phenomena and gaits which we neither designed nor expected, and later found out also exist in biological insects,” lead study author Ludovico Minati, said in a statement.Scientists could, in theory, program a super complicated artificial pattern generator to respond instantly to various situations. But, if a pea-brained creepy-crawly can seamlessly adapt to new situations, why can’t robots?Enter the two-level controller, deployed to control a hexapod robot.Views of the circuit board implementing the controller (top) and of the robot (bottom) (via Tokyo Institute of Technology)The device relies on a central pattern generator to produce a master signal, interpreted by field-programmable analog arrays (FPAAs) and sent to oscillators that move the legs.“An important aspect of the controller is that it condenses so much complexity into only a small number of parameters,” according to Yasuharu Koike, a professor at Tokyo Tech’s Institute of Innovative Research (IIR). “These can be considered high-level parameters, in that they explicitly set the gait, speed, posture, etc.“Because they can be changed dynamically, in the future it should be easy to vary them in real time using a brain-computer interface, allowing the control of complex kinematics otherwise impossible to dominate with current approaches,” he continued.”“This takes us so much closer to the way biology works,” Minati added.Moving forward, the team hopes its controller will help robots more easily adapt to their surroundings in unfamiliar terrain.“As the controller responds gradually and embodies a biologically plausible approach to pattern generation, we think that it may be more seamless to drive compared to systems which decode discrete commands,” IIR associate professor Natsue Yoshimura said. “This may have practical implications, and our lab has substantial know-how in this area.”The full study was published this week in the journal IEEE Access.
Victim’s mother reacts to Gov. Newsom’s new death penalty order Sasha Foo, March 14, 2019 Updated: 10:05 PM Sasha Foo 00:00 00:00 spaceplay / pause qunload | stop ffullscreenshift + ←→slower / faster ↑↓volume mmute ←→seek . seek to previous 12… 6 seek to 10%, 20% … 60% XColor SettingsAaAaAaAaTextBackgroundOpacity SettingsTextOpaqueSemi-TransparentBackgroundSemi-TransparentOpaqueTransparentFont SettingsSize||TypeSerif MonospaceSerifSans Serif MonospaceSans SerifCasualCursiveSmallCapsResetSave SettingsSAN DIEGO (KUSI) – There’s more reaction following Governor Gavin Newsom’s decision to order a moratorium on the use of the death penalty. Danielle Van Dam, the mother of the 7 year old Sabre Springs girl who was abducted and killed in 2002 said she was frustrated and confused by the Governor’s decision.A jury convicted David Alan Westerfield of murder and sentenced him to the death penalty.In an exclusive interview with KUSI, Brenda Van Dam said she did not understand the Governor’s executive order.In 2012 and again in 2016, California voters rejected ballot propositions that would have abolished the death penalty. Van Dam said the Governor needs to listen to the voters.“He says it goes against ‘bedrock values’. Well the voters have voted and they told you what we want. Those are our values,” Van Dam said.She said she does not think her views of the death penalty would change, although she said she’s torn when she considers the impact on taxpayers, “because it’s very expensive for the taxpayers, although it is reserved for the worst of the worse. And there’s nothing really happening in that system anyway. So, in my eyes, it’s a huge waste of money. Why are we wasting time trying these people for the death penalty, give them their appeals, if we’re not going to follow through on the process?”Westerfield is locked up in the prison at San Quentin and Van Dam said she’s certain that’s where her daughter’s killer will die.The State of California has not put any inmates to death since 2006, because of legal challenges to the state’s method of execution through lethal injection.“Honestly, I feel the longer he’s in his box, he’s being tortured. I hate to say this as a person, but whatever is worse for him is better for me,” Van Dam said.The Governor’s executive order is a temporary reprieve which will expire when he leaves office.The question of whether the death penalty should be abolished permanently in California could resurface shortly. State lawmakers are working on another ballot proposition that may go to the voters in 2020.Three other states have imposed moratorium on the death penalty; Colorado, Oregon and Pennsylvania.Related stories:Gov. Newsom signs executive order that stops the use of the death penaltyJan Goldsmith: Gov. Newsom uses executive order to stop death penalty Posted: March 14, 2019 Categories: Local San Diego News FacebookTwitter
Dan Cohen AUTHOR In an initiative aimed at improving recruiting and education in public schools, Air Force installations will send airmen to local schools and host students on base. The effort will help the service compete with industry for new recruits while showing a commitment to local education, reports the Arkansas Democrat-Gazette. Air Force leaders hope to launch the “flying classroom” this spring, which will provide an opportunity for students to observe training exercises and fly in C-130s. Airmen will begin to visit schools in the fall. The effort will focus on “STEAM” — science, technology, engineering, arts and math — and be rolled out at a number of bases across the nation. An installation’s gates “can be imposing to individuals,” said Col. Chris Karns, director of public affairs for Air Mobility Command. “We want community members to see a place for themselves on the base.”
A curious Pacific Walrus calf checks out the photographer in 2004. (Photo by Joel Garlich-Miller, USFWS)Several hundred Pacific walrus are hauled out on a barrier island near the village of Point Lay, on the Chukchi Sea coast.Listen nowIt’s the earliest such haul out since the walrus first started showing up in 2007 — and may be linked to this year’s rapidly retreating Arctic sea ice.Andrea Medeiros is a spokesperson with the U.S. Fish and Wildlife Service. She said during this time of year, adult female and young walrus in the region usually haul out on sea ice to rest while feeding.“When that ice retreats to the deeper water, they can’t do that,” Medeiros said. “They need a place to rest after they’ve fed, so they will travel to the shore and haul out there to rest in between feeding periods.”This year, Medeiros said sea ice in the Chukchi Sea has retreated to the deep water beyond the continental shelf earlier than in the past. The walrus started gathering on the barrier island near Point Lay around August 3.As many as 40,000 animals have hauled out on the narrow islands in recent years, putting them at risk for overcrowding. As in the past, Fish and Wildlife and the Village of Point Lay are asking people to stay away from the animals, to avoid causing stampedes.Fish and Wildlife is currently deciding whether to list the Pacific walrus under the Endangered Species Act. Environmental groups argue that the loss of sea ice threatens to drive the animals toward extinction.Correction: This story previously misspelled Andrea Medeiros’ last name as Madieros.
Reuters FileBudget carrier IndiGo’s promoters Rakesh Gangwal and Rahul Bhatia have come into the limelight after a feud on issues related to violation of government regulations. Gangwal, a billionaire airline veteran, has blamed Bhatia for corporate governance lapses at the company through a letter to Securities and Exchange Board of India (SEBI).Gangwal, a US citizen, started his career in the aviation industry by joining United Airlines in 1984. He then resigned as the senior vice-president to join Air France. He later joined US Airways as the chairman and CEO in 1996 and was there till 2001.The 66-year-old has about 30 years of experience in the aviation industry. He was born in Kolkata in 1953 and went to the Don Bosco School. He received his engineering degree from IIT Kanpur and then moved to Wharton for his masters in business administration. Rakesh Gangwal on extreme right (green t-shirt) and Rahul Bhatia in the centre (white shirt)ReutersGangwal met Bhatia while they were working for United Airlines in 1985. According to reports, the idea of starting an airline was discussed over dinner at Bhatia’s house. As per an Economic Times report in 2016, Gangwal was not initially interested, he agreed at a later stage saying, “Look, you guys decide how much money you want to lose. I will work with you. I don’t want any part of this business. I will give you all my knowledge or whatever experience I have. But once you have lost that money, shake hands and remain friends.”Bhatia had taken charge as IndiGo’s interim boss after its CEO resigned in April 2018. The 59-year-old also has a presence in the hospitality industry, aircraft maintenance engineering, real estate, and the advanced pilot training industry. Born in 1960, Bhatia had received his Bachelor of Engineering degree from the University of Waterloo. He had then gained corporate exposure through IBM.As per the shareholding agreement, Bhatia owns 38 percent stake in the company and is the managing director. Gangwal is the non-executive director with about 37 percent stake. The agreement is about to expire in October.IndiGo had its Initial Public Offering (IPO) in October 2015 and soon, Bhatia was declared as the 20th richest man in India by Forbes. India Today had ranked him as the 17th most powerful person in 2017. Reuters
Citation: What is quantum in quantum thermodynamics? (2015, October 12) retrieved 18 August 2019 from https://phys.org/news/2015-10-quantum-thermodynamics.html © 2015 Phys.org This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. More information: Raam Uzdin, et al. “Equivalence of Quantum Heat Machines, and Quantum-Thermodynamic Signatures.” Physical Review X. DOI: 10.1103/PhysRevX.5.031044 In a new study, physicists Raam Uzdin, Amikam Levy, and Ronnie Kosloff at the Hebrew University of Jerusalem have investigated whether there is anything distinctly quantum about thermodynamics at the quantum level, or if “quantum” thermodynamics is really the same as classical thermodynamics. For the first time, they have shown a difference in the thermodynamics of heat machines on the quantum scale: in part of the quantum regime, the three main engine types (two-stroke, four-stroke, and continuous) are thermodynamically equivalent. This means that, despite operating in different ways, all three types of engines exhibit all of the same thermodynamic properties, including generating the same amounts of power and heat, and doing so at the same efficiency. This new “thermodynamical equivalence principle” is purely quantum, as it depends on quantum effects, and does not occur at the classical level.The scientists also showed that, in this quantum regime where all engines are thermodynamically equivalent, it’s possible to extract a quantum-thermodynamic signature that further confirms the presence of quantum effects. They did this by calculating an upper limit on the work output of a classical engine, so that any engine that surpasses this bound must be using a quantum effect—namely, quantum coherence—to generate the additional work. In this study, quantum coherence, which accounts for the wave-like properties of quantum particles, is shown to be critical for power generation at very fast engine cycles. “To the best of my knowledge, this is the first time [that a difference between quantum and classical thermodynamics has been shown] in heat machines,” Uzdin told Phys.org. “What has been surprising [in the past] is that the classical description has still held at the quantum level, as many authors have shown. The reasons are now understood, and in the face of this classicality, people have started to stray to other types of research, as it was believed that nothing quantum can pop up. Thus, it was very difficult to isolate a generic effect, not just a numerical simulation of a specific case, with a complementing theory that manages to avoid the classicality and demonstrate quantum effects in thermodynamic quantities, such as work and heat.” (Phys.org)—A lot of attention has been given to the differences between the quantum and classical worlds. For example, quantum entanglement, superposition, and teleportation are purely quantum phenomena with no classical counterparts. However, when it comes to certain areas of thermodynamics—specifically, thermal engines and refrigerators—quantum and classical systems so far appear to be nearly identical. It seems that the same thermodynamic laws that govern the engines in our vehicles may also accurately describe the tiniest quantum engines consisting of just a single particle. Maxwell’s demon can use quantum information to generate work Physicists have shown that the three main types of engines (four-stroke, two-stroke, and continuous) are thermodynamically equivalent in a certain quantum regime, but not at the classical level. Credit: Uzdin, et al. Published by the American Physical Society under CC-BY-3.0 Explore further One important implication of the new results is that quantum effects may significantly increase the performance of engines at the quantum level. While the current work deals with single-particle engines, the researchers expect that quantum effects may also emerge in multi-particle engines, where quantum entanglement between particles may play a role similar to that of coherence. Journal information: Physical Review X (Left) (a) In the quantum regime where the engine action is relatively small, all three engines generate the same amount of work after the completion of each cycle (the vertical lines indicate a complete cycle). (b) When the engine action is increased, the engines perform differently and the equivalence no longer holds. (Right) Quantum heat engines exhibit a quantum-thermodynamic signature, which occurs in the shaded region above the upper bounds on the power of two-stroke (dashed blue line) and four-stroke (dashed red line) engines. Credit: Uzdin, et al. Published by the American Physical Society under CC-BY-3.0
In the Budget for 2015-16, Indian Finance Minister Arun Jaitley has proposed raising the tax deduction limit by Rs 10,000 for payment towards health insurance premium.At the same time, exemption of transport allowance has been doubled to Rs 19,200 per year.So, the deduction limit has been raised by Rs 19,200 per year as the Finance Minister has proposed raising tax deduction limit on few counts.”…the fifth pillar of my taxation proposals this year is extension of benefits to middle class tax payers,” he said in his Budget speech. Also Read – Need to understand why law graduate’s natural choice is not legal profession: CJITo provide social safety net and the facility of pension to individuals, an additional deduction of Rs 50,000 is proposed to be provided for contribution to the New Pension Scheme under Section 80CCD, he said.”This will enable India to become a pensioned society instead of a pensionless society,” he said.Transport allowance exemption is being increased from Rs 800 to Rs 1,600 per month, he added.Besides, the other deduction has been maintained namely — deduction under section 80C of Rs 1.5 lakh while deduction under section 80CCD Rs 50,000. Also Read – Health remains key challenge in India’s development: KovindAt the same time tax deduction on account of interest on house property loan self occupied property has been unchanged at Rs 2 lakh.”Having raised the basic exemption limit and 80C limit etc last year, there was hardly any scope for further concession. Raising the limit of health insurance premium, transport allowance exemption and additional deduction of 50,000 for NPS will help taxpayers to save little more in taxes,” PwC India Partner and Leader Personal Tax Kuldip Kumar said. Commenting on tax deduction limit, PNB MetLife MD Tarun Chugh said the proposal to increase the tax benefits for health insurance from Rs 15,000 to Rs 25,000 is a welcome step.”Currently, over 78-80 per cent of health care expenses are funded by the Indians out of their own pocket and this move will encourage people to increase their coverage keeping in the mind the rising cost of healthcare,” he said.With the reduction of corporate tax rate in a phased manner from 30 per cent to 25 per cent over the next 4 years, India Inc has a tax clarity for next five years at-least, Rakesh Nagia, Managing Partner Nagia & Company.Additionally, he said, with a view to tax the super-rich in an efficient manner, FM has duly taxed the super rich by abolishing wealth tax and levying 2 per cent surcharge.Govt raises farm credit target to Rs 8.5 lakh cr for 2015-16The government today raised the farm credit target by Rs 50,000 crore to Rs 8.5 lakh crore, allocated Rs 5,300 crore for flagship irrigation programme and announced plans to set up a common agricultural national market to boost farmers’ income that is “under stress”.The government has clubbed 10 major schemes, including National Food Security Mission, under the umbrella scheme “Krishionnati Yojana” to be implemented by states with central assistance of Rs 9,000 crore during the 2015-16 fiscal.Another Rs 5,300 crore has been allocated to the Pradhan Mantri Gram Sinchai Yojana (PMGSY) to boost irrigation as currently more than 60 per cent of farm land is rainfed.Presenting his maiden full-fledged Budget for 2015-16, Finance Minister Arun Jaitley said, “Farm credit underpins the efforts of our hard- working farmers. I have, therefore, set up an ambitious target of Rs 8.5 lakh crore of credit during the year 2015-16 which, I am sure, the banks will surpass.”Farmers have been availing crop loans up to Rs 3 lakh at 7 per cent interest rate. However, the effective rate of interest for farmers who repay on time is 4 per cent.Noting that farm incomes are under stress, Jaitely listed out raising farmers’ income as one of the major challenges ahead for the government.”While the farmer is no longer in the clutches of local trader, his produce still does not command the best national price. To increase the incomes of farmers, it is imperative that we create a National agricultural market, which will have incidental benefit of moderating price rises. I intend this year to work with States, in NITI, for the creation of a Unified National Agriculture Market,” he said.Emphasising that raising productivity and realisation of reasonable price for agri-produce is essential for the welfare of rural people, Jaitley said, “We should commit to increase irrigation area, improve efficiency of distinct irrigation scheme, promoting agro-based industries for value addition, increasing farm income and reasonable prices for farmers produce.”To support agriculture sector with the help of effective and hassle-free agricultural credit with special focus on small and marginal farmers, the Finance Minister allocated Rs 25,000 crore in 2015-16 to the corpus of Rural Infrastructure Development Fund set up under NABARD.
Tags: Delta Air Lines Share << Previous PostNext Post >> Posted by Travelweek Group A U.S. airline was just named 2017’s most on-time global airline for the first time Wednesday, January 10, 2018 NEW YORK — FlightGlobal has once again released its list of the World’s Most On-Time Airlines, and for the first time in nine years a U.S. airline has found itself at the top of the list.Delta Air Lines was ranked #1 among mainline carriers, with 85.94% of flights arriving within 14 minutes of their scheduled arrival times. Delta was also recognized as North America’s most on-time major carrier, a title that takes into account the Delta Connection regional operation. FlightGlobal’s FlightStats reports that Delta, together with its regional partners, saw 84.06% of flights arrive on time in 2017, based on FlightStats’ analysis of flight status and arrival data pulled from over 600 global sources and data feeds.“We are extremely proud of what Delta employees have been able to accomplish in service to our customers to drive a safe and reliable global operation,” said Gil West, Delta’s Executive Senior Vice President and Chief Operating Officer. “The results reported by FlightStats are humbling and yet another proof point that Delta employees worldwide are redefining operational excellence. Hats off to all Delta employees who come to work every day looking for ways to make meaningful improvements to the airline and continue to differentiate ourselves from our competitors.”More news: Carnival Cruise Line enhances HUB app for families and youthDelta flies more than 180 million customers annually on approximately 5,000 daily mainline and Delta Connection flights. The airline achieved its strong operational performance in 2017 despite a string of hurricanes in the U.S. and Caribbean, and a snowstorm at Delta’s largest hub in Atlanta in December. Still Delta recorded several company bests, including a record 242 days in 2017 without a mainline flight cancellation and 90 days in which mainline and Delta Connection were cancel-free.
Record 62.8 million visitors to New York City includes turn around from Canada Tags: New York City, Trend Watch Posted by << Previous PostNext Post >> Travelweek Group NEW YORK — Outbound travel from Canada to New York City is forecast to top the 1 million mark this year after a strong showing in 2017 with some 970,000 Canadians making the trip to the Big Apple, according to the latest stats from NYC & Company.New York City welcomed a record 62.8 million visitors in 2017, up 2.3 million year-over-year and marking the eighth consecutive year of visitation growth for both domestic (49.7 million) and international (13.1 million) markets, both at all-time highs, says NYC & Company.International travel started the year slowly but ultimately surpassed the 13 million mark – a 3.4% increase – driven by solid regional growth from Asia and South America, together with a turn around from Canada.Looking ahead to the end of 2018, international travel growth (+4.1%) is expected to outpace domestic visitation growth – if current global economic and policy conditions hold – for the first time since 2013.NYC & Company also says it expects business travel growth to outperform leisure travel growth for the first time since the Great Recession (4.2% year over year compared to 3.6%).More news: Consolidation in the cruise industry as PONANT set to acquire Paul Gauguin CruisesRobust hotel supply increases were met with strong demand growth. Average daily rate (ADR) recovered by Q4, to end the year at an average of US$277. And occupancy outperformed 2016 results as guests benefitted from an increasingly diverse offering of hotel brands, locations and price levels, says NYC & Company.“We’re keeping our door to the world open,” said Mayor Bill de Blasio. “Even with all the headwinds from the White House, we attracted a record number of visitors to our city. That’s a testament to the strength of our tourism sector and the values of our city.”In 2017 NYC & Company launched two campaigns, ‘New York City – Welcoming the World’ and ‘True York City’, which helped position NYC as a must-visit destination despite challenges in the geopolitical climate and changes in travel policies. The campaigns helped “reaffirmed our commitment to being an open and welcoming global capital,” said NYC & Company President and CEO Fred Dixon.New York City has the most active hotel development pipeline in the U.S. and even with the 4,000 new rooms added to the city’s hotel inventory last year – bringing the total to nearly 116,500 rooms – demand remained strong. Last year, the city sold a record 36.4 million hotel room nights, a 4.5% growth from 2016.More news: Air Canada’s global sales update includes Managing Director, Canada & USA SalesAlso last year some 6.2 million meetings and conventions delegates visited the city’s five boroughs, contributing to the total 13 million business travellers that came to New York City.NYC & Company also signed several international City-to-City tourism partnerships including a new deal with Toronto.Several new Midtown attractions made their debut in 2017 including National Geographic’s Encounter: Ocean Odyssey, the NFL Experience, Opry City Stage, Gullivers Gate and Spyscape. Mayor de Blasio also launched the NYC Ferry last May, offering the public more ways to access the City’s diverse neighborhoods through its waterways. NYC & Company continues to promote future developments and cultural offerings across all five boroughs to its global audiences under the banner of the ‘New New York City’.NYC & Company’s 2018 forecast anticipate another year of growth, with a 3.7% increase to 65.1 million visitors. Wednesday, March 21, 2018 Share
Sponsored Stories 5 things to look for when selecting an ophthalmologist New Valley school lets students pick career-path academies The X-series of SUVs and SUV-like crossovers, pricey vehicles that generate strong profit margins, continued to boost earnings as many customers in the U.S. move up to more expensive cars. The X-5 sport-utility made in Spartanburg, South Carolina, saw sales rise 30 percent compared with the year-ago period.Significantly, Munich-based BMW said Wednesday it maintained its high profit margin of 9.5 percent, near the upper end of its target range of 8-10 percent.Revenues rose 15 percent to 20.917 billion euros.BMW AG leads Volkswagen AG’s Audi division and Daimler AG’s Mercedes-Benz brand in the sales race among high-priced car makers. The company also makes Rolls-Royce and MINI cars.Copyright © The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed. Comments Share Milstead says best way to stop wrong-way incidents is driving sober FILE- In this file photo dated Tuesday, Jan. 20, 2015, the logo of German car manufacturer BMW is pictured on a BMW i3 electric drive car at the production line in Dingolfing, Germany. The world’s leading maker of premium cars by volume, BMW is scheduled to report first-quarter business results on Wednesday May 6, 2015. (AP Photo/Matthias Schrader, FILE) Ex-FBI agent details raid on Phoenix body donation facility Natural spring cleaning tips and tricks for your home Top Stories Four benefits of having a wireless security system Former Arizona Rep. Don Shooter shows health improvement FRANKFURT, Germany (AP) — German luxury carmaker BMW increased its profits in the first quarter thanks to strong demand for its expensive SUVs and higher sales in the U.S. and Britain as well as in a recovering European market.Net profit rose 4 percent compared with the same period last year, to 1.515 billion euros ($1.70 billion), the company said Wednesday.Vehicle sales rose across all major markets for the world’s top-selling maker of high-priced cars. The company saw especially big increases of 15 percent in Britain and 13 percent in the United States during the quarter. Sales grew 10 percent in Europe; the auto market there continues to recover as the countries that use the euro currency slowly heal from their crisis over too much government and bank debt.
Building Successful Servicer Partnerships Editor’s Note: This feature originally appeared in the September issue of MReport, out now.From helping servicers overcome systemic issues, to giving greater recognition to them for superior performance, Freddie Mac’s Servicing Success Program is helping servicers enhance their performance for mortgage loans. Yvette Gilmore, VP, Servicer Relationship & Performance Management at Freddie Mac spoke to MReport about the Servicing Success Program and how servicers can reimagine the business in an industry environment that is constantly changing.M // Can you tell us more about the Servicing Success Program, and how it benefits servicers? GILMORE // There are three components under the Servicing Success Program managed by my team and me. The first is our servicing success scorecard—a detailed performance metric that we lay out for servicers. The scorecard’s details are also available at a broader level so that servicers can determine what loans are driving the performance metrics in their results.The second component is the loan file reviews, where we pull the collection files and compare what the servicer is doing to manage our loans against the policies that we publish in the Freddie Mac Seller/Servicer Guide. Incentives and remedies are our program’s third component. Our remedies help servicers overcome any systemic issues that cause loss to the firm. Those remedies dramatically decrease as the servicer’s performance improves, resulting in incentives for them.We plan to make some changes to this program to further enhance managing servicer performance in 2019. At a broad level, the change would be to give greater recognition for superior performance and making sure we’re upfront about the difference between good servicing and great servicing.M // What trends are you seeing on the servicing side of portfolios?GILMORE // We’re seeing four trends on the default servicing side. The first and most obvious one is seriously delinquent levels (SDQ). In 2010, our SDQ rate was upwards of 4.2 percent. In January 2017, it fell below 1 percent. While these numbers are a culmination of how our team manages performance, the heavy lifting was done by our servicer clients who implemented the policies and procedures necessary to bring the right resources to their borrower clients.The second trend is a change in the composition of our servicer clients. Around 2007, 90 percent of our clients were large national banks. Only 10 percent were nondepositories. In 2017, the share of large national banks doing business with us constituted around 60 percent to 66 percent and 34 percent is represented by nondepositories.We have had to adjust to this change because the needs and requirements of those clients are different and we have learned to customize to those different needs.The regulatory environment is the third trend. We just completed a 2017 mortgage market survey with Fannie Mae and FHFA and our clients were loud and clear about the regulatory environment leading to a definite focus on compliance and how that has led to making sure they’re heavily focused on borrower needs. Regulatory requirements have also driven a dramatic increase in lenders’ cost to service, which makes it incumbent upon us to facilitate efficiencies in the process and remove as much friction as possible given all other external issues servicers are dealing with.The last trend is the need to innovate. As a business, servicing has not seen a lot of innovation in the last 20 years and to give servicers the efficiencies they demand, we must change our processes.M // How do you think servicers should reimagine business?GILMORE // In many ways, servicers are already reimagining their business. For example, one of the ways servicers are managing their different capital constraints is by changing their business model. A few years ago, we had three major subservicers. Now, our large national clients are finding it’s much more cost effective for them to become subservicers. Therefore, they are changing their models; because of which we need to change ours. So now we have scorecards for subservicers, master servicers, depositories, and everyone else in between.Since servicers must have that level of visibility to manage their subservicing clients, we are giving them that level of visibility for their different lines f business.We must also augment and change our processes to reduce documentation and optimally utilize our data. At Freddie Mac, it is very important for us to use our existing data without burdening the servicer to give us even more of it. Therefore, it is imperative for us to collect the right data to ensure that we recognize any systemic inefficiencies at the servicer side, as well as our own.We are looking at reimagining issues like default title, expense reimbursement, and changes to our Workout Prospector, along with smaller, more incremental workstream changes to make it easier for servicers to do business with us.M // How are nondepositories or nonbanks different from their peers? GILMORE // Nondepositories tend to be much more cash sensitive, so when we think about expense reimbursement, we need to figure out ways to get them their funds faster with minimal rework and reconciliations on their part. We are working with our nonbank clients to ascertain what they need from us in that space. The key is to make sure that we are not introducing friction into the process by requesting a lot of documentation.The more cash sensitive your customer is, the more incumbent it is upon you to make their job as cost effective as possible, so they can focus on things like managing the borrower experience and controlling delinquencies.M // How do you facilitate positive servicing practices for change for homeowners? GILMORE // Our file reviews are not just about finding inaccuracies with the servicer. They’re also to give us feedback on how we write our policies.These reviews are also a feedback loop for us. If we see the same negative trend, then we’re not communicating enough because of which our requests are misinterpreted. That results with us making changes to the policy to provide more clarity or change something in it because it’s not easy to implement. As much as we try to make sure that we do that before we put out a policy, our file reviews show us areas where something isn’t working the way it should.I cannot underestimate or understate the importance of having great associates and relationship managers who work day-in and day-out with their servicer clients to understand their business. Not THE business, their business.As we’re thinking about making changes, either to a policy, technology, or process, we have people who have that voice of the customer inside Freddie Mac and they make sure that we have the right and correct line of sight into the end impact of what we’re working on for them. Additionally, our advisory boards preview changes we’re looking to make and give feedback from our servicers to say what may not work the way that we think it should.Our goal at Freddie Mac is to make sure that we understand what those changes are going to be and not react to them but respond to them before they happen.M // How can financial services law firms partner with Freddie Mac for the overall betterment of the industry?GILMORE // In 2013, we stopped our Designated Counsel Program and today we work with law firms through tri-party agreements between them, our servicers, and us. We interact with them daily on litigative matters, conflicts, and issues they see at the state and federal level that are causing friction in the process. Through this information, we’re able to work with our counterparts for a response.We also work with them to make sure that we’re correctly interpreting what they’re giving us and they’re letting us know if there are any trends we’re seeing. That is really how we work together so effectively.M // As an industry veteran, what would be your advice to someone who is just joining the mortgage industry?GILMORE // I would advise them that the goals of servicing a loan are fairly straightforward, but the implementation of those goals is a complex process. So make sure that you’re networking with your industry peers; getting out to important conferences; make sure that you are engaged and involved in getting trained on what it takes, not just for your narrow focus area but broadly across the servicing space; and make sure that you understand what’s going on from a soup to nuts perspective. There are a lot of great jobs in the servicing industry and the key is to know them, know your peers, and get out there and help borrowers. in Daily Dose, Featured, News, Print Features, Servicing September 4, 2018 1,033 Views Compliance Freddie Mac loans mortgage Performance Servicers Servicing 2018-09-04 Radhika Ojha Share
Go back to the e-newsletterThe Exclusive Golf Weekend at Laguna Phuket hosted by world-renowned golf legend and six-time Major winner Sir Nick Faldo last weekend on 11-12 March 2016 concluded with great success with several exciting events – a Sunset Cocktail at Cassia Phuket, a Golf Clinic, an exclusive game with Sir Nick himself and a destination dining experience at the Hole 18 green of Laguna Golf Phuket.Staying at the DoublePool Villas by Banyan Tree, Sir Nick also spent time to play, practise and unwind at the award-winning Laguna Phuket, Asia’s first integrated resort.Over the two days, 26 golfers and media had the privilege to interact closely with Sir Nick who led a fun 30-minute Golf Clinic for all golfers before kicking start the game. He shared insightful golfing tips that inspired the crowd. The golfers had an exclusive game playing two holes up close and personal with Sir Nick, under his keen guidance.At the Welcome Cocktail Party on Friday 11 March, Laguna Phuket officially announced the appointment of six-time Major winner Sir Nick Faldo as Laguna Golf’s Brand Ambassador.The newly broadened partnership followed the announcement of Sir Nick as the Brand Ambassador of Laguna Lăng Cô, Laguna Phuket’s sister integrated resort in Central Vietnam in June 2015.“We are honoured to have worked with Sir Nick Faldo as the master designer of our championship golf course in Lăng Cô which opened in 2013,” enthused Mr Ravi Chandran, Senior Vice President and Managing Director of Laguna Phuket.As a grand finale, a romantic Destination Dinner was specially set up at the Hole 18 green of the golf course, offering guests a gastronomic dining experience with a unique sense of place. Showcasing the finesse of culinary art and talents at Laguna Phuket integrated resort, Executive Chefs and their teams from Angsana Laguna Phuket, Banyan Tree Phuket, Dusit Thani Laguna Phuket and Outrigger Laguna Phuket Beach Resort competed in a “Battle of the Chefs” competition, whipping up ‘live’ stations with Lebanese, Thai, Mediterranean and Mexican Molecular cuisine to tantalise the tastebuds of the guests.During this visit, Laguna Golf Brand Ambassador Sir Nick Faldo was also invited as the Guest-of-Honour to officiate the Grand Opening of the new British International School, Phuket (BISP) Golf Centre on 10 March 2016. A specialist training area which comprises putting greens, chipping areas, bunkers and a netted driving range, it is built to allow talented young golfers in the BISP Golf Academy to practise the full range of shots within the school’s spacious almost 18ha campus.Since the relaunch last year, Laguna Golf Phuket has seen traction and played host to a good number of high-profile international players and celebrities, including Sir Nick.Perfectly situated in bustling Laguna Phuket with its diverse choice of exciting lifestyle activities from world class golf, spa to gastronomic options, and all branded properties by the Banyan Tree Group offer an appealing combination of lifestyle benefits, capital returns and rental yields. From affordable Cassia hotel-managed apartments, contemporary Laguna Park residential villas with 5-year golf membership, to luxurious 5-bedroom Banyan Tree Grand Residences, Laguna Phuket presents an array of properties to suit all budgets and lifestyles.Go back to the e-newsletter
Go back to the enewsletterKey points:A contemporary Las Vegas resort is expected to open in 2020 following a multi-million dollar transformation.Hilton announces that Virgin Hotels Las Vegas will join Curio Collection by Hilton in 2020, following an extensive transformation including renovations to the property.The former Hard Rock Hotel will be a reimagined, contemporary Las Vegas entertainment hub and participate in Hilton’s award-winning guest loyalty program, Hilton Honors.Of the hotels within Hilton’s Collection Brands, Virgin Hotels Las Vegas, part of the Curio Collection by Hilton, will be the only property located in Las Vegas and the largest in the world, with more than 1,500 guest rooms and extensive meeting and events space. Featuring a fun yet sophisticated modern vibe that reflects the surrounding landscape, the property will provide visitors with comfortably designed guest chambers and beautifully reimagined pool areas, all favourably located minutes from the famed Las Vegas Strip.The property, located at 4455 Paradise Road, will continue full service operations as the Hard Rock Hotel and Casino until early 2020, when it will close briefly for the renovations that will transform it into the Virgin Hotels Las Vegas.The hotel boasts eclectic bars, tasty restaurants, a best-in-class casino, fitness facilities and spa, and live entertainment venue, The Joint. The newly remodelled pool at Virgin Hotels Las Vegas embodies the ambience of a private island, with intimate spaces and a variety of cabana experiences.“We are looking forward to welcoming Hilton guests who want a premium lifestyle hotel experience in Las Vegas,” said Raul Leal, Virgin Hotels CEO. “Whether travelling for leisure or in town to attend a conference or convention, Virgin Hotels Las Vegas will be an experience that is dedicated to delivering the best in design, entertainment, heartfelt service and culinary excellence.”The Curio Collection has more than 65 hotels and resorts open and 59 hotels in the global pipeline.Virgin Hotels Las Vegas will also be part of Hilton Honors, the award-winning guest-loyalty program for Hilton’s 16 distinct hotel brands.Go back to the e-newsletter
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