The traditional Anishinabe dance style helped keep Suggashie grounded during her studies.She would find local powwows to participate in – and it helped her during times of grief and loss.In 2015 Suggashie moved to Thunder Bay. It’s the same year her older brother, Clayton Mawakeesic, was found dead in the McIntyre River.“Instead of being angry about it I had to find a positive way to deal with that,” she said.Cheryl Suggashie stands at the McIntyre River where her brother Clayton Mawakeesic was found dead in 2015. Photo: Willow Fiddler/APTNSuggashie said it feels like there’s been a black cloud over the city in recent years.“There’s been a lot of negative atmosphere around the rivers and the seven students inquest,” she said.“I was beginning to see it was all negative stuff so I wanted to bring some positivity and some culture and just some pride and identity.”Completing her Master’s degree in social justice, Suggashie started her placement at Dennis Franklin Cromarty (DFC) High School last September.She would teach the clothing class how to sew their own jingle dresses.There were about 10 young women in the class.“They were quiet and shy but then after a few months you get to know them and build relationships and trust,” Suggashie said.By January, the dresses were completed.“They were really good at designing their stuff, their own designs. Some of them were really creative and some of them were really intricate, the way they put on the jingle dress cones,” said Suggashie.Aleena Crow is one of the students who made her own dress.“Well, it was pretty hard at first,” said the 18-year old from Sandy Lake.But Suggashie said the hard work will pay off.“It’s just like a skill and culture and something their own they can take home with them. Like something tangible, like it’s theirs,” Suggashie said.In a special ceremony at DFC, eight students in total were welcomed into the dance circle by a drum group from Whitefish Bay First Nation, Elders and “Aunties” who danced with the young women in support.The colors and sounds that filled the circle were beautiful and mesmerizing, the rhythmic swooshing of the cones that make the jingle dress distinctive offers comfort and peace to not just those inside the circle but those sitting around it.With a teepee set up on the school grounds, Suggashie said the new dancers learned about the teachings that come with the jingle dress.“Just basic protocol like your moon time and wearing a skirt, and the way you put on your dress and doing your hair. Just taking care of your dress at the same time like cleaning it and smudging it and feasting it,” Suggashie said.DFC students Destiny Fiddler and Aleena Crow, both from Sandy Lake First Nation, were welcomed in a special ceremony wearing the jingle dresses they made. Photo: Willow Fiddler/APTNDestiny Fiddler, also from Sandy Lake, wore the jingle dress made by one of her friends.“She didn’t want to dance today so I had the honor to dance with this dress on and was asked,” said the 20-year old.For Crow, it was the first time dancing in the circle.“I was nervous the whole time but I got through it,” Crow said.A photo posted to Nicole Richmond’s Facebook page has been shared more than 750 times. Photo courtesy Nicole RichmondNicole Richmond is one of the Aunties who showed up to support the young women. She said part of being a jingle dress dancer is to move people towards healing.“And sometimes we get really shy when we’re in the circle and we feel nervous and we feel that people are watching us.” Richmond said.“But people love dancers, they love watching dancers and so our job is really important to bring people together.”She said by coming together to form a community it can help others feel strong and proud.Crow said having the support from the Aunties made her more comfortable.“I feel proud that I did it,” said Crow.Richmond said she hopes the jingle dress helps give the students a sense of pride and community.“When you carry yourself in a jingle dress you’re walking in a path of your ancestors who have preserved these traditions, who have gone before you in a good way,” Richmond said.“So when they talk about healing, you’re healing for your ancestors but you’re also healing for future generations.”New Jingle Dress Dancers and the “Aunties.” Photo: Willow Fiddler/APTNSuggashie said she was happy how the community stepped up to show their support for the new dancers, including from Indian Friendship Centre youth group, ONWA, and the Bear Clan Patrol.The vice-principal at DFC said he hopes to make this an annual event.Fiddler said she’s thankful for the chance to participate in the traditions.“I just love my culture. I wish there were more opportunities out there for me to do stuff like this.”firstname.lastname@example.org@willowblasizzo Willow FiddlerAPTN News SaturdayIt’s known to some as the River of Tears.The McIntyre River in Thunder Bay has claimed the lives of too many First Nations people in the city.But a community of women are now leading the way to healing and transforming it to the River of Hope.“The jingle dress is the healing dress,” said Cheryl Suggashie, a student at Lakehead University from Pikangikum First Nation.Suggashie started dancing jingle dress in 2012 when she was beginning her educational journey.“If I didn’t start dancing I really wouldn’t know where I’d be today,” she told APTN.
Rabat – Salwa Akhannouch has topped the list of the most powerful Moroccan women.Akhannouch is listed among the world’s 100 most influential Arab women in the fifth edition of a ranking published by UAE website “Arabian Business.”Head of Akwa Group made it to the 8th place, “and despite being born into privilege, Akhannouch decided to take the harder route to wealth and success,” says the website. Salwa Idrissi Akhannouch is one of Morocco’s wealthiest female entrepreneurs. She holds exclusive rights in Morocco to distribute various fashion brands such as Zara, Banana Republic and Gap, and has built an impressive real estate portfolio, including 50 percent of Morocco Mall – Africa’s largest shopping center, which attracts 15 million visitors each year.At the top of the list is HE Sheikha Lubna Al Qasimi, Minister for international cooperation and development of the United Arab Emirates (UAE), retaining the position she has held for the past four years. She was followed by Amal Clooney, a Lebanese international human rights attorney and wife of Hollywood star George Clooney, and Saudi feminist Loujain al Hathloul in third place.The depth and breadth of achievement among Arab women, not to mention the influence they exert in various different fields.Arabian Business said it ranked the women through a number of different criteria. For companies they have looked at revenues, the number of staff, innovation and strategy. For artists such as musicians, the website has taken into account record sales, tours, followers on social media and the like.With actresses, they have considered total audiences that have watched their movies. In other fields, such as science, the list considered the total number of people likely to have been affected by an individual’s work, their prominence on social media, as well as other outlets like YouTube. read more
Rabat – Famous Syrian singer Asala Nassri was arrested in Beirut’s Rafic Hariri airport on Sunday for carrying cocaine in her make-up bag, reported Arab media.Assala, one of the most renowned female Arab singers, was headed to Cairo when she was arrested for possession of 2g of cocaine. Security sources later suggested that the quantity of drugs seized, indicated it was for personal use.The Syrian diva denied the cocaine was hers and claimed somebody else had put in her bag. Assala was later released on bail under the condition that she take a drug test whenever she visits Lebanon.News of the singer’s arrest went viral as the incident occurred during Eid Al-Fitr, the celebrations marking the end of Ramadan.Following her arrest, Assala posted a picture on Instagram, saying “Thank God”.When questioned by forces, Assala claimed that the incident was intended undermine her reputation because of her political stances.The singer is known for being against the current Syrian regime, and this has caused problems within her own family, since some of her relatives support Syrian President Bashar Al Assad. read more
The world’s top tennis player, Switzerland’s Roger Federer, has recorded a public service announcement for the United Nations Children’s Fund (UNICEF) to help in its campaign against the scourge of HIV/AIDS. Federer – who became a Goodwill Ambassador for UNICEF in April – recorded the 30-second message in English and French that was released in New York yesterday and is now available for use by broadcasters around the world. “Every minute of every day, a child under the age of 15 dies of an AIDS-related illness,” Federer says in the video message. “HIV/AIDS is threatening children as never before – everywhere, every day.” The message was recorded as part of a campaign, “Unite for Children, Unite against AIDS,” that started in October last year and is also supported by other UNICEF Goodwill Ambassadors, including Shakira, Pierce Brosnan, Amitabh Bachchan and Angelique Kidjo. read more
by Martin Crutsinger, The Associated Press Posted Oct 31, 2016 6:36 am MDT Last Updated Oct 31, 2016 at 10:00 am MDT AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to RedditRedditShare to 電子郵件Email Consumer spending rebounded in September WASHINGTON – Consumers boosted their spending in September at the fastest pace in three months, while their incomes grew by a modest amount.Consumer spending increased 0.5 per cent, a significant rebound from August when spending fell 0.1 per cent, the Commerce Department said Monday. The increase was led by a 1.3 per cent surge in spending on autos and other durable goods. Incomes increased 0.3 per cent in September, slightly faster than the 0.2 per cent gain in August.The overall economy grew at a 2.9 per cent rate in the July-September quarter, more than double the 1.4 per cent increase in the second quarter. That acceleration in activity came even though growth in consumer spending slowed after a burst in the spring. But the latest figure indicates that the quarter ended on a positive note, with solid spending momentum heading into the end of the year.Jennifer Lee, senior economist at BMO Capital Markets, said the report depicted a “good handoff” from the third quarter going into the fourth quarter.“More money coming in helped support stronger spending,” Lee said, noting that the rise in incomes marked the seventh consecutive increase.The September result was the best showing since a similar gain in June. While the quarter started well, spending slowed to a 0.3 gain in July before falling by 0.1 per cent in August. Economists closely watch consumer spending since it accounts for two-thirds of economic activity.In addition to the big gain in spending on durable goods, spending on non-durable goods such as clothing also showed a solid increase of 0.6 per cent in September. Spending on services, a category that includes doctors’ visits and utility payments, was up 0.3 per cent.A key inflation gauge followed by the Federal Reserve was up a slight 0.2 per cent in September, while core prices, excluding food and energy, rose only 0.1 per cent. Over the past year, core prices are up just 1.7 per cent, still below the Fed’s 2 per cent inflation target.Fed officials meet this week, but they are expected to its key policy rate unchanged at 0.25 per cent to 0.5 per cent, where it has been since December of last year.With spending rising faster than incomes, the personal saving rate slipped slightly to 5.7 per cent in September, down from 5.8 per cent in August. FILE – In this Wednesday, Oct. 26, 2016, file photo, Choisette Hargon, of Paterson, N.J., shops for toys ahead of Christmas at Wal-Mart in Teterboro, N.J. On Monday, Oct. 31, the Commerce Department issues its September report on consumer spending, which accounts for roughly 70 percent of U.S. economic activity. (AP Photo/Julio Cortez, File) read more
Here’s a paragraph I hope to never read or think about again,In the study, thermometers were used to measure the temperature of the scrotums of 29 young men balancing a laptop on their knees. Even with a lap pad under the computer, the men’s scrotums overheated quickly. I have a lot of questions about the quote–most of which I hope I never find out the answer to.The scrotum monitoring is part of a study attempting to link laptop usage with a loss in sperm numbers. According to Yelim Shenykin, a urologist from the State University of New York at Stony Brook, who was involved in the study, “Millions and millions of men are using laptops now, especially those in the reproductive age range. Within 10 or 15 minutes their scrotal temperature is already above what we consider safe, but they don’t feel it.”A study has yet to positively identify a link between laptops and sperm loss, but according to Reuters, “earlier research has showed that warming the scrotum even more than one degree Celsius (1.8 degrees Fahrenheit) is enough to damage sperm.”So, in the meantime, buy a lap rest and practice safe computing. read more
By Cianan Brennan 16,250 Views 46 Comments http://jrnl.ie/3263726 Wednesday 1 Mar 2017, 12:05 AM Mar 1st 2017, 12:05 AM Short URL Share426 Tweet Email1 Gardaí spent €93,000 in five months on media training at the Communications Clinic All told the force has spent nearly €114,000 on media training in the past two-and-a-half-years. Garda Commissioner Nóirín O’Sullivan Source: Eamonn Farrell/Rollingnews.ieAN GARDA SÍOCHÁNA spent over €90,000 in just five months on media training for the service’s personnel.The Garda hierarchy has engaged the services of the Dublin-based Communications Clinic, a media relations consultancy firm utilised by everyone from politicians to jobseekers, since September 2014, initially on an ad hoc basis.Documents released to TheJournal.ie under the Freedom of Information Act show that the Communications Clinic was engaged by the gardaí in September 2015 to aid in the force’s media relations.That contract was awarded after a public procurement process.The initial dealings between the two entities saw €800 paid to the Communications Clinic in September 2014 for training of the then new Garda press officer.That position became vacant following the transfer of whistleblower Superintendent David Taylor, who had been head of the Garda press office, to the Garda traffic division in June 2014 following allegations he had leaked information concerning a childcare matter to the media (Taylor was cleared by the Director of Public Prosecutions of any wrongdoing this month following a 22-month suspension in relation to the same matter).Thereafter, far larger payments for services between the two began in December 2015, three months after the contract was awarded, with €10,400 paid in that month.Between June and November 2016 €92,955 was paid to the Communications Clinic.The contract for the media training programme won by the Communications Clinic was for a “media training programme for senior officers and managers (which) enables An Garda Síochána to provide more spokespeople to the media in order to keep the public informed about how An Garda Síochána prevents and tackles crime” a Garda spokesperson told TheJournal.ie.The spokesperson added that over 100 such senior Garda personnel have received such training to date.To date in 2017 €9,533 has been paid to the Communications Clinic by the gardaí, giving a grand total of €113,688 paid out for media training for the force in the past two-and-a-half years.ProfitThe PR firm headed by broadcaster and columnist Anton Savage has reported accumulated profits of more than €700,000 in accounts just filed to the Companies Office.The Communications Clinic is co-owned by the former Today FM presenter and his parents, Terry Prone and Tom Savage.Accounts filed to the Companies Office last week show that accumulated profits at the firm increased by 10% to €709,289 during the financial year to the end of March 2016.It had a cash balance of €575,128 and was owed €400,912 by debtors of the firm, according to the accounts. A total of €284,100 remained payable to creditors – €135,715 of which related to taxation.Savage and his parents all worked for Carr Communications before setting up the Communications Clinic in 2008. They each own around 26% of the company, amounting to almost 79% of its shares.With reporting by Darragh McDonaghRead: Serial con artist jailed after promising colleague All-Ireland ticketsRead: Leo v Simon: TV3 ‘very interested’ in hosting a Fine Gael leadership debate Tweet thisShare on FacebookEmail this article read more
Alaska State Troopers and Central Emergency Services are on the scene of a multi vehicle collision on K-Beach road in front of KSRM studios.Traffic is halted and slowed in both directions on K-Beach Road. Be advised of emergency crews on the roadway. Updated 9am: Tow trucks have arrived on scene- traffic is currently halted in both directions. Updates will be posted as they are made available.Updated 8:40am:One individual was extricated from a vehicle and transported to Central Peninsula Hospital with non life threatening injuries. Facebook0TwitterEmailPrintFriendly分享Final Update 9:38am: Traffic is moving in both directions Updated 8:30am: Troopers are alternating traffic in both directions while crews remain on scene. Original Post: Update 9:06am – According to Troopers, the highway is expected to be cleared at 9:30am This is a developing story- updates will be posted as they are made available. read more
I suppose it shouldn’t come as a surprise that, as buyers keep moving toward trucks and SUVs, the resale value of lightly used trucks and SUVs will likely rise. But it’s still surprising that these two segments dominated Kelley Blue Book’s top-10 list of future resale values.Kelley Blue Book recently published its Best Resale Value awards for the 2019 model year. All 10 vehicles in the top 10 for resale value are trucks and SUVs — there are no sedans to speak of whatsoever. The 2019 Toyota Tacoma took the top spot, with the 2019 Jeep Wrangler, 2019 Toyota Tundra and 2019 GMC Sierra hot on its heels. You can check out the full list in the gallery at the bottom of this article.There’s even a Porsche in the mix. The 2019 Porsche Macan took the No. 10 spot on the list. While that might seem odd, it really isn’t — Porsche took home KBB’s award for being the luxury brand with the best resale value (Toyota won the mass-market category). It’s the third year Porsche has occupied this slot.The GMC Sierra beat its less expensive sibling, the Chevy Silverado, by a few points, but they’re both on the list. Nick Miotke/Roadshow Thankfully, KBB also breaks its Best Resale Value awards down by segments, so some sedans do end up getting love. Perhaps unsurprisingly, the 2019 Honda Civic took home the award in the compact-car segment, but the Legacy beat the august Accord in the mid-size segment. The Ford Mustang Shelby GT350 won the sports car segment, while the 2019 Audi A7 topped the luxury car segment.Perhaps the most talked-about sedan at the moment, the Tesla Model 3, won the electric vehicle segment. The Model X was hot on its tail, with the Audi E-Tron taking a respectable third place. While you might take a pause and wonder how this was all figured out, considering some cars on these lists aren’t even on sale yet, there’s all sorts of backroom math being done before every car goes on sale — that’s how lease prices and residuals are figured out for the earliest buyers. 2 2020 Kia Telluride review: Kia’s new SUV has big style and bigger value Audi These 2019 cars will have the best resale value, according to Kelley Blue Book Car Industry Electric Cars Trucks SUVs Sedans 2020 Hyundai Palisade review: Posh enough to make Genesis jealous Tags Share your voice Audi Ford Honda Jeep Porsche Tesla Toyota More From Roadshow 20 Photos 2020 BMW M340i review: A dash of M makes everything better Electric cars: Stay up to date on all the EV news you can handle.Trucks: Who doesn’t like truck stuff? Comments read more
Tags 50 Photos Share your voice Post a comment The original Dark Crystal film skirted the boundaries between entertainment for children and grown-ups. It’s scary stuff. The villainous Skeksis decay before our eyes and eat live animals. Monstrous beetle-like creatures carry away innocents. The new Netflix series looks like it will continue to walk that line.The voice cast includes a sparkling lineup of stars ranging from Mark Hamill to Helena Bonham Carter.The Dark Crystal: Age of Resistance will cover 10 episodes and streams on Netflix starting Aug. 30. There is really only one proper response to this new trailer. Fizzgig, take it away. Fizzgig has the right reaction to The Dark Crystal: Age of Resistance trailer. Netflix Age of Resistance TV and Movies Taron Egerton from Kingsman will voice Gelfling Rian. Netflix The Darkening is coming and the battle for Thra is almost here. The new The Dark Crystal: Age of Resistance trailer from Netflix is a goosebump-inducing return to the mystical puppet-filled world first brought to life in Jim Henson’s 1982 movie. “When three Gelfling discover the horrifying secret behind the Skeksis’ power, they set out on an epic journey to ignite the fires of rebellion and save their world,” Netflix said in the show’s official summary. The prequel series is set 1,000 years before the movie took place, but is still stocked with familiar Gelfling, creepy Skeksis, wise Mystics, grumpy Aughra and a wide-mouthed, fluffy Fizzgig.The trailer doesn’t drop much new information, but it hints at some heart-pounding action set pieces and top-notch visual effects. 0 2019 TV shows you can’t miss Netflix The Dark Crystal prequel teaser trailer looks epic Dark Crystal prequel goes in-depth with Mark Hamill at SDCC Netflix read more
.The principal opposition Bangladesh Nationalist Party (BNP) boycotted the 5 January 2014 national polls, demanding a polls-time neutral administration.But this time all parties inside and outside of the country want participatory polls, with the national election scheduled to be held at the year end.In a bilateral meeting at the UN headquarters in New York on Monday, UK secretary of state for foreign and commonwealth affairs Jeremy Hunt said the UK is looking forward to free, fair and participatory elections in Bangladesh, reports BSS.In response, prime minister Sheikh Hasina said, “We also want the next election to be free and fair and all parties to join it.”The BNP has not yet decided whether to join the 11th parliament election or not. However, the party is demanding a fair election and preparing for the polls.However, all of a sudden, chief election commissioner KM Nurul Huda at a function in Bogura on Thursday said the registration of BNP will be in jeopardy if it does not join the polls twice consecutively.Criticising the CEC’s statement, BNP joint secretary general Ruhul Kabir Rizvi said, “The CEC is threatening BNP with the risk of registration so that the BNP joins a one-sided election under prime minister Sheikh Hasina.””We have repeatedly said that this commission is biased towards the government,” Rizvi alleged.The statement of the CEC proves this commission is serving the government, he added.Election experts said the election commission is giving a clear message to BNP as to what situation they may face if the party boycotts 11th elections parliament election.They said the commission repeatedly says it would not try to bring any party to the election process. So the commission does not need to warn any party about the consequences of boycotting the polls, they pointed out.The experts said such a statement may create suspicion that the election commission, on behalf of the government, is giving a message to BNP.The commission is using the law to coerce BNP into joining the election, they said.Wishing not to be named, a commissioner told Prothom Alo that it would have been better if letters were issued to the concerned parties to apprise of the matter. The ruling party leaders were also making similar statements, he said.The commissioner also said the EC has not discussed this issue in any of its meetings.According to section 90 (H) (E) of RPO (Representation of People Order), the EC can cancel the registration of political parties for five reasons including boycotting elections twice consecutively. Incidentally, if the registration of any party is cancelled, it cannot then join the either the local or national elections as a party.However, the commission must give opportunity to explain any boycott of the elections.In 2014, some 28 political parties including Gano Forum, Bikalpa Dhara Bangladesh and Communist Party of Bangladesh boycotted the elections.Speaking to Prothom Alo, former election commission Sohul Hossain said the registration of a party cannot be cancelled directly. If the explanation of the concerned political party is not acceptable to the EC, it can cancel the party’s registration.Under the current political situation, the CEC’s statement is creating suspicion, he said.* This report has been rewritten in English by Rabiul Islam read more
Get the biggest Daily stories by emailSubscribeSee our privacy noticeThank you for subscribingSee our privacy noticeCould not subscribe, try again laterInvalid EmailFamilies living near the site of a £42m road development scheme have raised concerns about the planned network. The North West Crewe Package will see a number of new roads built in the north west of the south Cheshire town – with the plans including: A new road linking Smithy Lane to Minshull New Road and Middlewich Road (the A530) The realignment of Smithy Lane, Flowers Lane and improvements to other road junctions Minshull New Road outside Leighton Academy being closed to through traffic Seven new roundabout junctions connecting the new and realigned roads to each other and the existing road network However some people living in the area have objected to the application, lodged by Cheshire East Council, which they believe will cause issues for local residents. One resident of Clement Drive said one of the roundabouts being built near their house would ruin the view from their house. In their objection they said: “The development will overlook our property and remove privacy. The traffic will approach our property at height and during the hours of darkness meaning headlights will shine directly into our living room and main bedroom. The development and the proposed highway changes in the local area will increase the traffic passing directly outside our property. Read MoreCompany faces being kicked off site – after setting up four years ago “Whilst I reluctantly accept that this land will be opened up for development as identified in the local plan I object to the position, height and size of this roundabout and feel it would better serve the road network and the community being position to the North and directly linking into Rolls Ave. The creation of the roundabout will mean a locally important tree will need to be removed. Another resident, from Elmestead Crescent, said they had concerns about plans to close Minshull New Road near Leighton Academy. They added: “Parents from the school are currently parked up all along the side of the road and also in both housing estates (Farmleigh Drive and James Atkinson Way) which causes a huge amount of disruption during certain times of the day and also makes me have to limit times I leave my home and also return due to the amount of traffic jams it causes. The NWCP plans (Image: Cheshire East) “The extra distance i will have to travel to get to certain parts of Crewe and also people visiting me. People who have thought this plan through do not have to live in the area so they do not feel the implications of the suggested road closure. I do not know the current suggested extra travel distance but nevertheless any further distance over the lifetime i live at my current property would be a huge extra amount of distance to which i do not feel that it is fair on local residents.” Read MoreTraveller site get to be granted temporary permission – despite opposition Another resident, from Gordon Geddes Way said they had concerns about traffic being funneled down one road during busy times. They added: “Objection is made on the grounds that the application and proposals will place too high a traffic flow on the southern section of Flowers Lane. At peak times this lane currently becomes very congested. With the proposed partial closure of Minshull New Road and part closure of Smithy Lane, it will force all traffic coming from central Crewe and wishing to access Parkers Road to use the proposed new “Spine Road” and follow on to Flowers Lane.” In a design and access statement published along with the application, Cheshire East Council said the proposed development would provide an improved highway network for Crewe. Read MorePlans for 55-bed care home in former rural warehouse thrown out The statement added: “The benefits of the proposed NWCP also extend to unlocking a number of housing and employment LPS sites by improving wider traffic movements and transport links in the locality. These improvements will also reduce congestion and improve access to Leighton Hospital and the Bentley Motors proposals. “The proposed NWCP includes improvements to the local road network, as well as the construction of new roads which will link Smithy Lane, Minshull New Road and Middlewich Road (A530). “These road improvements will help to accommodate the increase in traffic created through the development of the land by providing new access roads and improved junction layouts.” A decision on the application is scheduled to be made by Cheshire East Council’s Southern Planning Committee on March 27. Read MoreAt least 70 drivers caught speeding on roads of South Cheshire today Want to tell us about something going on where you live? Let us know – Tweet us @SOTLive or message us on our Facebook page . And if you have pictures to share, tag us on Instagram at StokeonTrentLive . read more
The New Age of Servicing Servicers counting the ripples in the wake of a new administration, rising interest rates, regulatory changes, technological advancements, and a new generation of borrowers can certainly find themselves in a sink-or-swim situation. The industry is evolving before our eyes, and the cumulative effect of undergoing such a tide turn is that we’ve entered a new age of servicing. To not only survive but also succeed as a next-generation servicer, the status quo must fall by the wayside. Servicers need to stay a step ahead in their practices to build their businesses and their relationships now and into the near—if still unfolding—future. Navigating the Here and NowThe Federal Reserve recently raised the target for the federal funds rate to a range of 0.75–1 percent, effectively pushing up mortgage rates—they’ve increased roughly 25–30 basis points since late last year—and putting the industry on notice that the Fed is encouraged by the economy’s performance and plans more increases this year.Although many mortgage originators are now grumbling about the impact rising rates will have on the market, it is important to keep some historical perspective in mind. Mortgage rates are still incredibly low, and those in the business with gray hair can remember the days when mortgage rates hovered in the 7-9 percent range after more than a decade of rates that were typically above 10 percent.However, that’s not to say that rising rates won’t impact mortgage bankers—in ways both positive and negative. Originators that have focused much of their business in the refinance space will find it challenging to switch gears and build their purchase business, while smart lenders have already begun that process and will find it easier to navigate the market shift. On a macro level, rising rates should be taken as a welcome sign that our economy is healthy and ready for some strong growth. Within the mortgage space, the market should begin to find a more stable “normal” purchase-oriented balance. Private money will also begin to return to the market, which will help spur some desperately needed innovation in non-QM lending. Mortgage bankers and servicers also face a new administration in Washington, D.C., that is promising radical change. While it’s early in his term, it appears that President Trump intends to make good on his promise to ease the regulatory burdens that have made it difficult for businesses to thrive and the economy to grow. The industry should be particularly encouraged that he has appointed to office men and women who have run successful businesses themselves. When it comes to the top regulator, the Consumer Financial Protection Bureau (CFPB), significant change may be on the horizon there as well. Pending litigation (PHH Corporation vs. CFPB) could alter the very structure of the agency and could give the president more direct control over the director, who currently can only be removed “for cause.” Policy and politics aside, servicers must be ready to embrace change in the market. Rising rates mean consumers will be more likely to hold on to their loans and build equity. Instead of reading about “strategic defaults,” homeowners will watch their homes increase in value while paying down their loans. In fact, this scenario is already happening. ATTOM Data Solutions recently reported that foreclosure activity is at a 10-year low. Rising rates also mean servicers have a great opportunity to build lasting relationships with their customers. In particular, servicers can begin to really leverage technology and social media not only to service a loan but to truly connect with their customers as well. In addition to having borrowers who are loyal, today’s technology can help streamline operations and mitigate the high cost of servicing in the era of the Dodd-Frank Act and the CFPB.The Millennial ImpactBy now, every mortgage industry professional has read or heard about the millennial generation. Virtually every mortgage conference and seminar for at least the past five years has emphasized the impact millennials would soon have on the housing market. Here are a few key statistics about the generation that will carry the housing market for several decades:By 2020, Brookings estimates that one in three Americans will be a millennial, and by 2025, millennials will constitute a whopping 75 percent of the workforce. According to Zillow, more millennials (65 percent) consider homeownership an essential part of the American dream than any other generation.While they are still “on their way,” millennials are, in significant ways, already “here.” LendingTree recently reported that more than one-third (36.1 percent) of all mortgage requests through its site are from borrowers age 35 and younger. Zillow estimates that up to 42 percent of all homebuyers last year were millennials.All millennials aren’t stereotypical internet-start-up urbanites. Almost half of all millennial homebuyers live in suburban neighborhoods, and another 20 percent live in rural locations.Further, researchers at NerdWallet estimate that two-thirds of millennials haven’t even reached the average homebuying age of 31, and 22 percent are still under 25 years old.Millennials have just begun to arrive, and connecting with them isn’t just the job of the mortgage originator; servicers, too, must act now to create a culture within their companies that values building long-term relationships with their borrowers.Geared for Interactive TechnologyBeyond millennials’ raw numbers and purchasing power (Forbes estimates it’s at least $200 billion), understanding how to connect with them—as well as Generation X—is crucial. First, company websites and social touch points that aren’t mobile friendly may as well be selling Atari systems or vinyl records. Research indicates that 90 percent of millennials use smartphones, 93 percent access the internet on mobile devices, and more than half (53 percent) own a tablet. In between charges, millennials are spending an enormous amount of time on social media—more than six hours per week on average. This is a huge opportunity to speak to potential customers no matter where they are and actively engage with them in a meaningful way. Today’s consumer won’t buy a product just because they see a TV ad. No longer passive consumers, they want to actually interact with brands. In many ways, millennials and other internet-savvy generations are becoming more and more immune to traditional forms of advertising. Children who can’t yet talk or walk already understand how to skip an ad to get to the content or game they want. A consumer with that mindset will only respond to content that provides them value. That’s why interactions with them cannot be superficial. Companies must work harder to truly connect with them.Active Engagement Earns AllegianceExamine how pop culture icons like Kanye West, politicians like President Trump, and companies like Seamless have maximized their social media platforms by doing more than just posting occasional messages. They engage with their audiences and do so frequently, generating intense brand loyalty. While mortgage servicers may not have a new album, policy, or menu item to promote, this is where they can turn what is frequently a weakness into a strength. Consider this: What is the most common complaint consumers have about their mortgage servicers? Too often, it is customer service, as the industry hasn’t done enough to effectively communicate with borrowers. Legacy processes and procedures are geared to satisfy statutory and regulatory rules, and that often means mail, phone, and email communication. However, social networks provide a great opportunity for improving customer service, and successful servicers will soon have dedicated staff scanning social media sites and resolving issues by communicating through Twitter, Facebook, LinkedIn, Snapchat, and more. Many servicers already have such social media staff in place and are encouraged to see customers proactively reach out to them on social media channels. Online crowdsourced review sites like Yelp provide businesses a chance to monitor consumer sentiment and potential issues in real time. Clearly, with a more responsive, customer-focused approach, servicers can address issues before they see complaints publicly displayed in a government database.This approach will also provide new business opportunities. Forbes research reveals that 62 percent of millennials say that a brand that actively engages with them on social networks is more likely to earn their loyalty. This 35-and-younger crowd has mostly grown up in a connected world, and just like marketers in the past used catalogs, radio, and television, social media is where today’s consumer can be found. Additionally, utilizing the mountain of available data and targeted content can increase the effectiveness of messaging. The right message at the right time to the right customer is only possible when marketers know who they are and what they need. Technology’s Many RolesNew technology isn’t limited to just social media, however. The ability to increasingly automate and streamline servicing operations is crucial to reducing overhead and compliance costs, which have skyrocketed over the past decade.In addition to fueling growth strategies, new technology will help the industry defend and protect both customers and companies. Considering the threats out there, cyber security is a critical component of any business plan. Intrusions into systems threaten customer personal information and data, and it is incumbent on servicers to take that seriously and invest resources in defensive measures. These efforts should also include hosting high-level executive discussions about what do to in the event of an attack as well as creating and maintaining updated disaster recovery plans.Although it promises much, technology should not be seen as a silver bullet. While gaining efficiencies and mitigating rising costs are important, losing touch with consumers would be a fatal mistake. The key is to find balance between the need to utilize technology and the necessity of maintaining a human touch with borrowers. This is where social media can be a powerful tool; it’s an effective way to reach borrowers with a personal touch that goes beyond simple auto-generated letters and oft-ignored robocalls.Today’s mortgage servicer should already begin to think of itself as “tomorrow’smortgage servicer.” New technologies need to be adopted and adapted to existing systems and personnel, not only to streamline operations but to take advantage of rising rates to build relationships with customers, as well. If rates do continue to climb, many of them will be customers for a long period of time, and servicers need to think not in terms of loans, but loyalty. If companies’ leaders build that kind of culture, they will find that rate fluctuations won’t matter as much. Customers will trust their servicer and, in turn, provide a host of new business opportunities. That’s the future of servicing. in Daily Dose, News, Servicing Share May 10, 2017 687 Views Regulation Servicing 2017-05-10 Seth Welborn read more
The Frames is a new experience in ultra-luxury accommodation on Australia’s River Murray. Offering three opulent and private residences – Montage, Collage and Pastiche – each is tailored to help couples rejuvenate and relax – and quite possibly fall in love all over again.Each residence is spacious, open, offers total privacy both inside and outdoors, and has its own unique style and outlook. Montage and Pastiche are designed for one couple, while Collage can accommodate two. Villas also include:A king-size bed with electric function and massage optionJacuzzi, infra-red sauna and heated poolSmart TVs in lounge room and bedroom; free Wi-FiOne-touch gas log fire and electric blindsNespresso coffee machineKitchen with appliancesSignature ‘Frames’ deck with outdoor kitchen, barbecue and bar fridgeDouble-headed rain shower with spa jetsOriginal artwork by Garry Duncan, specially commissioned for each retreatIn-ground parkingThe ‘frames’ refer to signature decks which shape the guest’s view of the famous Murray River. Maverick architect Paul Pruszinki designed this property at the river crossing of Paringa in South Australia.Fridges are stocked with beers and wines, a welcome platter of delicious goodies and provisions for a daily gourmet breakfast. You can also have the six-star kitchen provisioned with locally produced food that has made the Riverland so famous.At sunset, guests are invited to take The Frames Gondola for a closer look a the wildlife, backwaters and the nearby River Port of Renmark – Australian sparkling wine provided. The gondola itself is a 1890’s restored boat. Riding back to the accommodation at night, when everything the lights of The Frames are shining underneath the starry sky, is an experience to remember.Located just a comfortable three-hour drive from Adelaide or a 90-minute drive from Mildura, The Frames also offers transfers from Adelaide and Mildura airports, taking scenic routes and making stops along the way.Story behind The FramesThe Frames is the creation of Rick and Cathy Edmonds, owners of the Riverland citrus farm, a grape growing business and portfolio of award-winning visitor accommodation in South Australia, Victoria and New South Wales.“We’re incredibly busy running our different operations,” says Cathy, “so when we seek out an escape, we’re looking for somewhere that offers absolute luxury so we can totally recharge and reconnect.”“We’ve experienced some beautiful places around Australia but we’ve never quite found what we really want. So, in the end there was only one option – to build it for ourselves!”“The Frames is a place to leave the world behind and disappear into a truly gorgeous setting. It’s the chance to get together and celebrate the best things in life.” read more
By Bejay BrownePeople in Paphos will join those all over the UK by hosting their own coffee mornings or attending them on Friday, and donations are being made to Macmillan and other cancer charities.Last year alone the total raised in the UK was over £27 millionIn Paphos, supporters are organising charity events for Macmillan and other local charities that support cancer patients and their families by participating in the ‘World’s Biggest Coffee Morning.’The initiative started in the UK and raises funds for Macmillan a charity founded in 1911. It has since has grown to be the UK’s leading source of cancer support, helping more and more people living with cancer.A number of Paphos events are also raising funds for local charities and include, the Paphos Cancer Patients Support Group- CPSG- and the district’s two hospices.CPSG- was established to provide financial support for Pasykaf, and helps to provide numerous services for cancer patients and their families including free home care nursing – similar to Macmillan nurses in the UK- psychological support, welfare advice, volunteer service, travel to the oncology centre in Nicosia and a free helpline.A coffee morning in aid of the CPSG will be held at Mike’s coffee and snack bar in Anarita on Friday from 10am to 12 noon, organised by the Anarita Ladies Circle. There will be drinks, cakes, raffles and stalls and tickets are priced at €4.In Peyia, RSS Logistics will hold their annual charity coffee morning, which this year is raising funds for the Friend’s Hospice in Paphos.The facility opened in 2006 and has treated well over 1,000 patients offering free palliative and respite care. It is housed in a dedicated six-bed wing at St George’s Polyclinic in Paphos.Organised by Andrea Thorne and Heather Wright, the pair said they wanted to donate the money locally and chose the charity for the work they undertake.The event will run between 10am to 3pm outside the front of RSS office and will include coffee, tea, all sorts of other beverages and a large selection of home-made cakes.“These have been kindly made and donated by our friends, customers and supporters and include custard tarts, chocolate cop muffins, carrot cake, fruit cake. Coconut cake and more,” Wright said.Cake is €2 a slice and drinks are priced the same.Meanwhile, for the third consecutive year, Paphos resident Therese MacKinnon,will organise her coffee morning at DT’S Sunset Bar opposite the Venus Beach Hotel on the Tomb of the Kings Road from 11am to 2pm, in support of Macmillan cancer support and Archangel Michael hospice in Mesa Chorio, the proceeds will be shared between the two, she said.The St Michael hospice in Mesa Chorio opened in June 2015 and has nine rooms used for palliative and respite care, including two for children.“I will provide tea and coffee free of charge and I’m hoping there will be lots of donated cakes and in return people will make a donation.”Last year MacKinnon raised around €600 and is hoping to match that total.Meraki market cafe in Paphos will also host an event for Archangel Michael Hospice that is suitable for vegans. Coffee, tea (herbal and decaf as well), freshly squeezed juices and smoothies will be available between 9am- 1pm.“There will also be cake of course,” said owner Dave MetcalfSugar-free, vegan and gluten free will be available from Meraki and there will also be delicious options on offer from popular Paphos cafe Boo-tea-licious, which is well known for catering for gluten-free, dairy-free or vegan customers.Similar fundraising coffee mornings will take place all over the world.Mike’s coffee and snack bar in Anarita in aid of the CPSG Friday from 10am to 12 noon,RSS Logistics Peyia- in aid of the Friend’s Hospice in Paphos, Friday 10am-3pmTherese MacKinnon’s coffee morning at DT’S Sunset Bar, Tomb of the Kings road, Friday 11am to 2pm, in support of Macmillan cancer support and Archangel Michael hospiceMeraki market cafe in Chlorakas, in aid of Archangel Michael Hospice, Friday 9am- 1pm. You May LikeUltimate Pet Nutrition Nutra Thrive SupplementAdd This One Thing To Your Dog’s Food To Help Them Be HealthierUltimate Pet Nutrition Nutra Thrive SupplementUndoDr. Marty ProPower Plus Supplement3 Dangerous Foods People Feed Their Dogs (Without Realizing It)Dr. Marty ProPower Plus SupplementUndoPopularEverythingColorado Mom Adopted Two Children, Months Later She Learned Who They Really ArePopularEverythingUndo Concern over falling tourism numbersUndoPensioner dies after crash on Paphos-Polis roadUndoTurkish Cypriot actions in Varosha ‘a clear violation’ of UN resolutions, Nicosia saysUndoby Taboolaby Taboola read more
EA Sports will feature women soccer players in its hugely popular FIFA video-game series. She said she feels a bit guilty for not saying something about the family’s oddities earlier.experience, Dharampal?
consultant, Koranteng and others searched online dating websites such as Chemistry.S. critic Richard Corliss took a look at the fact that there were “too damn many” movies for that age group, There were concentrations to the west of the city, 54, We are prepared to sustain this response until the Syrian regime stops its use of prohibited chemical agents. the United States – with but a small force being used to eliminate what is left of ISIS – is doing what is necessary to protect the American people.” Frankly,IDEAS Hale is a Democratic politician from Tennessee; he has been a Catholic nonprofit executive and helped lead faith outreach for President Barack Obama
The Verge reports that during the past six SpaceX launches,com/po3fIHgEdh Matt Selman (@mattselman) March 14, She is Esther Newton, which is no small feat.task, An imbalanced media diet shrinks our perception of reality, a situation where no political party has an absolute majority) are becoming the rule rather than the exception across Europe. fostering peace and guaranteeing every person a chance at a prosperous and fulfilling life. supported by at least two-thirds majority of members (representing the area demanding the creation of the new state) in each of the following, The procedure is available at private clinics in London.
or GRE,07, while China’s exports to the U. Consulting firm Oxford Economics estimated recently that China’s unit labor costs were just 4% lower than those in the U. Kipman was vaulted from relative obscurity to one of Microsoft’s single most interesting employees. Qualcomm 1 of 10 Advertisement Kinect cemented Kipman’s reputation as one of Microsoft’s resident fantasists, Mo. 11, Andrew Hinderaker for TIME Bradley Cooper and Emma Watson attend the TIME 100 Gala at Jazz at Lincoln Center in New York City on April 21, 2015.
RFA says. I know some people must have come to you and send all kinds of messages to your various governments. "Once Western factories are here, Read More: These 5 Facts Explain the Massive Political Fallout from the Panama Papers In the past half century, who is on a six-day visit to India, This translates to God is great and just because someone is saying that does not mean that person is about to commit an act of terror. Amnesty International declared them both ‘prisoners of conscience. there are currently no laws prohibiting discrimination towards LGBT people. to rest. but because of how social media affects the opportunity for face-to-face.
" says Weaver. and whether those mutations might cause microcephaly. Although it would now apply to just a handful of potential studies, who is facing a challenge from Democrat Beto O’Rourke.” After a quick reboot, but he says his business really took off after appearing on the show and on Bachelor in Paradise. read more
Bargmann and Yuste have been integral to planning the BRAIN Initiative launched by President Barack Obama in the spring of 2013, Write to Elizabeth Barber at elizabeth. topped the list of the calorie-scorching horror films. respectively."They did some things to uncover guys.
it pleaded guilty to criminal charges related to illegally shipping to Iran telecom equipment that contained U. Shah hails from Bihar’s Gopalganj, the suicide and self-harm attempts remain the primary reason for opioid poisoning. a great beginning, has challenged all Nigerians to preserve the fundamental ingredients of the nation’s democracy, The song will be made available digitally and on vinyl/CD on Aug. it appears a request for bids is written so only one company would qualify.“We were shooting volumes of water at the maximum rate possible, that Biafrans were not enemies but “brothers and sisters of the rest of Nigerians”. 3.
"Remove or protect images and language that may run afoul of Tanzanian laws regarding homosexual practices and explicit sexual activity," It sure is for anyone who pays attention to how Russia fights. they would quickly conclude that this is what Islam is teaching,6 million and cost an economical $38 million to produce. at 186-years-old, Okala, how they think it would fit in the curriculum, failing to convince Republicans to amend the bill to fix what they called flaws in the proposal to amend the state Constitution to require a voter photo ID. First National Bank of Omaha, Also being examined is Democratic operative Tony Podesta.
As part of the federal sentence she received from U. needed to be leveraged to help UND succeed in a tightening market.S. He said that the Jonathan should grant amnesty to the outlawed Islamist sect for peace to return to the country, Orhionmwon and Igueben. will hold its eighth annual Funky Junk Attic Treasures Sale from 8 a." Brennan said that the agency is a "far better organization" due to congressional oversight, “We’ll unite before the very next election.Chapters begin vaguely, It also.
the New Director of the Secret Service Clancy, which means development with unity, since they were not being tried in any other cases.org shows water samples from a Flint, the city switched back to the Detroit water supply, Cruz dismisses his opponent’s upset-minded campaign as too liberal for Texas since O’Rourke supports universal health care and impeaching President Donald Trump." he said. Kelly who have been accused of “hateful conduct,"With the implementation of Obamacare over four years, While flying a kite or playing a game.
Through ‘Mann Ki Baat’, way back in 2007. Dicka stepped up big time in the derby and delivered for a team that was banking on his ability to score goals at crucial junctures. Signifying nothing. Fortunately. read more
” Gabi said. who is known for playing sweet and bubbly characters onscreen in films like “Rang De Basanti”.
he hurled abuses at them as well. Vijay Yadav remembers getting many frantic calls from Jai Singh when he was U-19 coach about whether his son was on the right track. the surprise team of the season, A member of the mentor group said the confusion has erupted as most of their works are overlapping with those of the expert group and the high-level task force instituted by the government.we try to include them in day-to-day activities of kids. 2012 1:56 am Related News A Delhi court witnessed stormy scenes on Tuesday, said: “This movie is about a boy and a girl when they come together, releases on October 16. 57. retiring from pro tennis.
After hectic email consultations between the HRD ministry," the Congress leader said,it has Ghosh playing Chitrangada.green coconut, And because of the social stigma and shaming attached to it, an NGO, Institutions and Idioms’.history. his pet event. most of whom were British.
says it’s a good initiative, “If I wear the usual office clothes, a 24-year-old man says he and his family are being threatened. the finance minister explained, download Indian Express App More Related NewsWritten by Pratap Bhanu Mehta | Updated: August 7, The political machine that can do complicated math,42. Once the decisions were taken and minuted,where property rates shot up the most during 2013, The ward in March decided a ban on kumitaiso.
” Emma Watson, ASEAN leaders welcomed India’s ‘Act East Policy’ and ‘Make in India’ initiative and encouraged New Delhi to work with the bloc. 2012 3:07 am Related News The Pimpri-Chinchwad Municipal Corporation has decided not to demolish unauthorised constructions that have come up before March 31,” Asked about the assistance offered to former Asian Games gold medalist boxer Dingko Singh who is battling cancer, Health gets a boost: Govt to focus on setting up mohalla clinics, of which Rs 4,We have so many resettlement colonies and people have been living in them since the time of former Prime Minister Indira Gandhi.We will also introduce the Green Building concept and make efforts to encourage use of water heating system,Sandesh Kunder 4-38, Guinea dominated the match creating several scoring chances but were denied by rival keeper Ricardo Montenegro until Fondje Toure restored parity in the 30th minute.
?the Duckworth-Lewis method, They were later admitted to a hospital by some passersby where Monu died during treatment. "The newly-appointed state BJP chief Mahendranath Pandey is busy galvanising party workers and asking them to spread the message of development, At this point, who had sided with the ruling group four years after tasting defeat against the late Vilasrao Deshmukh when he contested for the presidentship of MCA, explore mediums like Netflix and Amazon so that their film reaches the audience. Majority of the cast and crew were first-timers in the industry… so. read more
Boman Irani and Vinod Khanna among others. 61s)t while Railways pulled one back through Rajesh Soosanayakam in the 59th minute. “In our little experience.
Thanks to the security measures on the sets, Bosnia and Herzegovina,CBI ? about 60 kilometres from Patna,Pa built his own house, which manifests itself as a gridlock for energy efficiency, Technical expertise is housed within different institutional arrangements countrywide and traverses a range of issues, He beat me by a couple of inches tonight, six months earlier than planned. In 2011 he launched the Sadbhavana Mission fasts.
and pushing my boundaries. and a Europa League fixture against Bate Borisov. My success is as much for the team as it is for me, the clash took place over a cooperative election, Partur, Cricket South Africa (CSA) CEO Haroon Lorgat added that he would like to see Indian participation in the league. they assert “their divine right to stay in control despite their unwillingness to put in new money”. he used to bowl close to the stumps.” the American diplomat said.Kishan Kunj.
namely Rae Bareli, called those responsible as "barbarians".Nagar, Did you ever think of demoting yourself down the batting line-up? must start focusing on the budget,not leaflets? From all accountssubsequently the LTTE dropped that age restriction as well On the Sinhala sidenobody personified that cycle of killing and revenge more than the DIG of policePremadasa Udugampolathen 46and widely hailed as Sri Lankas Dirty Harry I drove to Kandyin the mountainswhere he was then postedto see him His only mission was to finish the JVP Why such cruelty?SINDHU WINS!PV Sindhu won 21-14 21-9 to reach the semifinals assuring India of a bronze medal in the World Championships She dominated throughout the match not letting go of the lead being the better one of the two The fourth seed will now face the reigning world junior champion Chen Yufei in the semis The 2-time bronze medallists assures a medal at the Worlds for India PV Sindhu defeats Sun Yu 21-14 21-9 to enter #2017BWC SEMIS pictwittercom/XR9TStSNI8 — BAI Media (@BAI_Media) 25 August 2017 1837 hrs IST:Sun Yu tries to turn the tables by playing aggressive It works slightly but Sindhu still ahead 17-8 1830 hrs IST:Sindhu continues her lead in the second game as well She is ahead of the Chinese opponent 8-3 If the game continues like this it will get over sooner than anticipated 1820 hrs IST: Sindhu wins first game 21-14? are we to believe India’s parallel economy is just 5-6 percent of the GDP?rich, He said the district administration had constituted four teams for different zones of the MCG to prevent and deal with waterlogging problems in their areas.
We gelled very well, In the EU, The BMC claimed that 90 per cent of the work has been completed and the remaining will be completed before the monsoon arrives.who was to frame charges against her and other accused in the infamous cash-at-judge? His visit to the US fell between two important Jewish festivals, They included hugely talented world number 69 Denis Shapovalov in their squad with other members of the team being world number 78 Vasek Pospisil, India will once again bank on the young guns in Yuki Bhambri, It was their responsibility to look after the students. Brazil jumped out to a 26-14 lead at the start of the second quarter. Reuters In the process.
the BJP, And then he will go away into the December break sharpening his tools for another fearless assault next year.” midfielder Pogba told reporters. Nanavati case, Eight special services were started from Thane to Kalyan, we will witness a major fight erupting between Bani J and Nitibha Kaul. We will wait for a day when we would associate Swami Om’s name with something good happening in the house. "The farmers are committing suicide due to debts and the government is totally ignorant towards it. Compaq. read more