Editor’s note: This feature originally appeared in the February issue of MReport, out now.There are significant changes taking place to mortgage lending rules. To proactively stay informed of the changes, be in compliance, and remain competitive it will be important for both bank and nonbank lenders to embrace leading-edge technology solutions that are based on artificial intelligence (AI) technology for processing loans and maintaining compliance. Using both AI and machine learning (ML) can help lenders process more mortgages in less time while conforming with all of the federal, state, and other rules.Mortgage Rules Are on the RiseAfter the 2008 housing crisis, government-sponsored entities (GSEs) such as Freddie Mac and Fannie Mae enacted a set of standard rules that must be followed when processing a loan. There are also state and local rules with which lenders need to comply, and government-backed and Veteran Administration (VA) loans also have specific rules.Additionally, the Home Mortgage Disclosure Act (HMDA), originally enacted by Congress in 1975, was updated with changes that were signed into law by the president on May 24, 2018.For HMDA, 47 different data points need to be monitored for key documentation in a loan package. It is essential to identify the new critical data points required and take action to provide the additional HMDA data, or you could face fines by the CFPB. Keeping up to date and compliant with HMDA should be a priority for lenders in 2019 and beyond.In a tight mortgage market, there are naturally fewer mortgage loan applications. To stay competitive and profitable, the industry is responding to this lack of loans by offering different, non-traditional products to try to generate revenue. Examples include home equity lines of credit (HELOCs) and non-qualified mortgages (non-QM). These products have their own unique set of rules, which again increases the overall number of rules that a lender needs to be aware of and meet for compliance purposes.The bottom line is that there are more rules today, which adds complexity to loan processing and makes compliance more challenging.Accelerating Loan Processing (and Rules Processing) with AIHow can lenders stay on top of all these rules? Using AI and ML can help automate a significant amount of mortgage loan processing, which includes rules processing and compliance. This not only creates a faster system, but a more accurate one that can help reduce errors and improve compliance. AI allows much of the work that was previously done manually to now be automated, including reading through hundreds of loan documents and verifying information against the particular set of rules for that loan.With ML, rules can be preloaded into the system and “learned” in advance. When new loan documents are entered into the system to begin processing a mortgage, it will use vision-based learning technology that scans the documents, collects the right information, and then matches it against the correct set of rules for that loan for verification. The system will know to check and verify for only the specific set of rules that apply to the loan that is being processed.As the AI-based system identifies missing information and errors, it can organize and classify documents by error level, identifying and isolating all of the risks. And, lenders can classify documents as “accepted” or “denied,” and then organize the denied documents based on why they have been denied. This allows lenders to prioritize their efforts for correcting errors and gathering additional information. All of this helps lenders in their efforts to comply with federal, state, HMDA, and other rules.The Benefits of AI— Speed, Accuracy, Customer ServiceOne key benefit to implementing AI is how fast all of this processing, verification, and classification can be done. There are more than 600 rules that could apply to a loan, so from a volume and capacity standpoint, there is a significant advantage to automating loan and rules processing. In addition to speed, accuracy is also important. Having a human read through hundreds of documents can lead to fatigue, which opens up the potential for errors. These errors could lead to compliance issues—and fines—so it is important to be as accurate as possible. AI technology can run on a near constant basis without fatigue, so there are advantages to deploying this technology when processing loans and the rules associated with them.Improved speed and accuracy can lead to other benefits too. First, productivity increases—lenders can process more loans in less time, which ultimately reduces costs. Together, all of this can give lenders a competitive advantage— you can compete more effectively against other companies that are not using AI technology. Being able to process loans faster and more accurately will make your organization a more attractive lender, which will help you to win more business in today’s highly competitive mortgage market.And when the compliance process can be done faster—both the verification of what is correct and identification of errors or missing information—it helps all of the different parties involved in the mortgage process. This includes the borrowers, who do not want to wait for a week to find out if all of their loan application documents are correct or if they need to provide more information. Having this process happen more quickly reduces customer frustration and improves satisfaction. Creating a better experience for buyers is the most critical aspect of customer service and can help lenders generate repeat business and referrals.A faster, better buying experience is especially crucial for millennials, who make up a significant portion of today’s home buying population. According to the National Association of Realtors 2018 Home Buyer and Seller Generational Trends Report, buyers aged 37 years and younger (millennials and Gen-Y) continue to be the largest generational group, making up 34 percent of all homebuyers. The study also notes that millennials have been the most active homebuyers for the last five years in a row. These numbers could continue to rise as the overall millennial population grows. According to population projections from the U.S. Census Bureau, millennials are expected to surpass baby boomers in 2019 as their numbers increase to 73 million people.This age group, which has grown up using technology and continues to use it heavily for personal and professional purposes, wants a faster, more “retail-like,” digital experience from lenders, similar to other services that they buy. When they shop for a mortgage, their first instinct is not to call a real estate agent but to search online. Millennials are comparison shoppers, and speed and ease-of-use are important criteria for them in nearly everything that they purchase.Having the ability to offer a seamless, all-digital experience that can process loans quickly is important to attracting and retaining the millennial home buying market. And, being able to process a loan even one-two days faster than another lender can make a big difference on who they select for a mortgage. In addition, millennials are quick to share their buying experiences (both good and bad) using social media, which can either help build a lender’s business or damage their reputation. Positive peer reviews are important to this group, so it is vital to create a positive experience for buyers that may be quick to share their opinions of a mortgage lender online.AI also provides analytics tools that can help organizations optimize business operations. For example, you can determine the number of loans that your company is processing over time, enabling you to do forecasting that can help project future revenue and what resources will be required. Also, once a loan enters the system, lenders can determine the probability of that loan closing, and approximately how long the process will take. This gives the lender more predictability in its revenue stream.How is AI Being Used Today?Most companies have historically processed loans and rules manually, which is a prolonged, time-consuming process. Today, about 30-40 percent of vendors are still using this “old fashioned” approach.Now, many lenders are embracing AI technology to do at least a portion of their processing, and it is a top priority for the future. To compete, survive, and grow in today’s tight lending market, now is the time to embrace AI and ML technology. The capabilities of these technologies not only improve compliance, but also speed, productivity, and accuracy. This is important in a dynamic environment with a wide range of different rules that could change and expand over time. Those organizations that fail to embrace this new technology, or are too slow to adopt it, could be left behind. Welcome to the Machines AI Borrowers HOUSING Lending mortgage technology 2019-02-01 Radhika Ojha Share February 1, 2019 1,696 Views in Daily Dose, Featured, News, Print Features
“Coop, he’s practiced on the first-team all year, so it’s not that bad,” he said. “And having a game under our belt, it’s not like we’re starting three different guys.”Elsewhere along the line, left tackle Jared Veldheer is likely to play through a sprained ankle, though Arians said, “he’ll be pretty solid.” Find a running game?To say the Arizona Cardinals have struggled to run the ball lately would be an understatement, as their backs have averaged just 2.5 yards on 48 carries over the last three games. Without Andre Ellington, who will miss Sunday’s game due to injury, the bulk of the work load figures to fall on Stepfan Taylor and Marion Grice. Are they up to the challenge against Kansas City’s 30th-ranked run defense? Welcome back Fitz?Cardinals WR Larry Fitzgerald has missed the last two games due to a sprained MCL in his knee, but practiced every day this week and feels like he’ll be ready to go Sunday. Listed as “questionable” on the official injury report, he will be a game-time decision. Charles in charge… would be a bad thingThe Cardinals have done a good job containing some of the NFL’s best backs this season, though they are coming off their worst performance of the season just in time to face one of the league’s best runners in Jamaal Charles. Derrick Hall satisfied with D-backs’ buying and selling “So this week, we definitely look to pick things back up where we left it off the week before.”And that’s just it. Okafor pointed to the defense’s energy level not being where it needed to be in Atlanta, which is a sentiment that was echoed throughout the locker room during the week. “I mean, we know it was very disappointing how we came out; we came out flat and Atlanta came out hot,” safety Tony Jefferson said. “We knew everything that they were going to run, but the intensity wasn’t there, the excitement and hype wasn’t there as it has been the past few weeks. “So we’ve got to go out there, we’ve got to change something, we’ve got to go out there and play how we’ve been playing.”If there is a silver lining to be found, it’s that what happened in Atlanta is likely the exception more than the rule. Sure, injuries have been an issue for the team, but they’ve consistently found a way to produce even with some of their best players on the sideline.Furthermore, that game — and effort — is in the rear-view mirror.“I don’t really read yesterday’s newspaper,” linebacker Larry Foote said. “This week, we want to play our best game. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Top Stories Comments Share Miscellany Home is where the wins areArians has often talked about the importance of winning at home, and his team has done just that over the last two years. The Cardinals are 6-0 at University of Phoenix Stadium this season, in large part because of a defense that is allowing just 15.2 points per game in the building. With a win this week, the Cardinals would have the most home wins in a single season since 1925, when the franchise won 11 of its 13 home games.Hello, Mr. CooperDue to Paul Fanaika’s injury, Jonathan Cooper is set to make his first career start. It was supposed to happen sooner for the left guard, who was taken with the seventh overall pick in last year’s draft, but injuries helped to stunt his learning curve. However, he had been seeing more time in the lineup recently in different packages, and now will get a chance to do what he was drafted for. It will be the first time this season the Cardinals have started a game with a different offensive line, with Ted Larsen moving from left guard to Fanaika’s spot on the right side. A lack of continuity should not be an issue, according to Arians, especially since the group that will start Sunday finished last Sunday’s game in Atlanta. Charles enters the game ninth in the NFL in rushing yards with 807, though he is averaging 5.0 yards per carry. What separates him from some of the other top backs, however, is his ability to catch the ball, as he has 30 receptions for 214 yards and four touchdowns this season. What the Cardinals are hoping Ellington becomes, Charles already is. “He’s got speed, he’s tough, and he’s got great feet and he blocks,” Arizona defensive coordinator Todd Bowles said. “He has outstanding feet. He can make you miss, just subtly; where most guys have to jump and juke, he can just sidestep and keep on going. He’s arguably one of the top one or two in the league.”Pretty crazy streakThe Chiefs do not exactly have a dynamic passing attack, but it is pretty amazing that not one of their wide receivers has caught a touchdown pass through their first 12 games. Home cooking helps Stanton?Drew Stanton has not lost a start at University of Phoenix Stadium, where he is 2-0. He has, however, lost three of his four starts on the road. Arians has been adamant that the offense’s recent struggles are not solely because of the quarterback, though no one is arguing that the veteran cannot play better. If nothing else, he will need to cut back on the turnovers, as he’s been picked off five times over the last three games. Grace expects Greinke trade to have emotional impact But last Sunday in Atlanta, Arizona’s defense wilted, allowing 500 yards of total offense to the Falcons. Quarterback Matt Ryan threw for 361 yards and two touchdowns, while running back Steven Jackson ran for 101 yards, becoming the first player to top the century mark on the ground against Arizona not only this season, but since Week 6 in 2013. The Cardinals’ streak, which spanned 21 games, was snapped by a running back whose previous season-high was 81 yards. Oh, and Jackson had not reached 100 yards rushing since Nov. 25 — of 2012. Besides Rashad Johnson’s pick-six in the second quarter, it was a pretty terrible effort all the way around in the 29-18 loss. “Yeah, any time you give up 500 yards and that number of points, you better have your tail between your legs a little bit,” Cardinals coach Bruce Arians said. Granted, the defense’s “off day” would not be as big of an issue if the team’s offense wasn’t also struggling. But the reality is the Cardinals cannot really afford a bad performance from the defense and expect to win football games.“The way we played last week was embarrassing,” linebacker Alex Okafor said. “We didn’t come to play, obviously, and we have more pride than that. Former Cardinals kicker Phil Dawson retires Foote noted that he doesn’t remember Atlanta; defensive lineman Calais Campbell was suffering from the same kind of amnesia. “I forgot about that game already; I don’t even remember that game,” he said. “But it wasn’t pretty, whatever it was. That’s why I forgot about it.”The trick is being able to learn from it while also moving on, which is what the Cardinals are hoping to do. Even still, it stands to reason that the defense will be better in the coming weeks than it was in Atlanta. It has to be, especially if the offense continues to have its own issues.“We didn’t play up to our standard and it’s not acceptable,” defensive lineman Frostee Rucker said. “No matter what they do on the other side of the ball, we hold our head high on how we play and how we get to the ball and how we make plays. We didn’t get them done — not enough plays — and that’s why we lost, so we’re going to regroup and have a lot of energy come this week.“We’ve got a home game, I’m sure the fans will be excited, we’ll be excited to play in front of them, and we’ll be ready to go.” TEMPE, Ariz. — If there’s one thing we’ve grown to expect from the Arizona Cardinals, it is excellent defense.Over the last few seasons — and especially the last two — Arizona has been among the best in the league at stopping opposing teams. Even on days when the offense wasn’t particularly explosive, you could always count on the defense to stand tall and keep the game within reach.
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Naturally, which also does not have a park land dedication requirement But Duluth also has by far the most park land of comparable cities in the region with just under 12000 acresDuluth leaders said the city encourages developers to include dedicated park land in new subdivisionsModeled after FargoNorth Dakota’s second-largest city has taken note of Fargo’s approach to new park land requirements Bismarck modeled its new park land dedication policy after Fargo’sBismarck’s ordinance in effect since January requires land to be set aside for public use but it doesn’t say how much The ordinance was necessary because of Bismarck’s growth officials said“We were seeing a lot of land being subdivided for residential purposes but not necessarily with a parks component” said Carl Hokenstad Bismarck director of community developmentBismarck has a lot of land but it also has among the lowest number of people per park acre compared to other major cities in North Dakota – an indication it has a large amount of park land for its sizeUnlike other cities that require a land donation or a fee Bismarck’s ordinance requires the developer to either donate land for park use or to offer a portion of the land for sale The Bismarck Parks District could then buy that land and develop it into a park“I think it’s just a matter of how we could make it work in Bismarck with all the parties without having too much conflict” Hokenstad saidGetting the ordinance through was difficult said Randy Bina Bismarck parks and recreation director It took the city almost two years because a proposed ordinance with a 7 percent minimum stirred up controversy Hokenstad saidParks a focusOfficials in each city said parks are important to attract residents and that most developers realize that Parks improve land values and can help cities manage the runoff from storms and melting snowParks also encourage active living which can make communities more healthy and active leaders sayMost cities say their goal is for every resident to have a park within a half-mile or quarter-mile of their homeFor instance the rapid growth in western North Dakota caught cities like Williston off guard in some areas of civic planning But not in terms of park land dedicationThe rapidly growing city has had a 6 percent minimum park land dedication ordinance for a long time said Jeremy Ludlum the city’s facilities and programs directorThe ordinance offers in-lieu options and the requirement is also in effect for industrial and commercial developmentsNumber of parks and other recreational facilitiesFargo: 137 Moorhead: 56 West Fargo: 37 Grand Forks: 36 Bismarck: 63 St Cloud: 96 Sioux Falls: 85 Williston: 30 Duluth: 130*Includes facilities that are adjacent to or located on other park or recreation areasAcres of park and recreation landFargo: 2234 acresPeople per acre: 508Moorhead: 1402 acresPeople per acre: 281 West Fargo: 450 acresPeople per acre: 664 Grand Forks: 1577 acresPeople per acre: 348 Bismarck: 2789 acresPeople per acre: 24 St Cloud: 1481 acresPeople per acre: 447 Sioux Falls: 3549 acresPeople per acre: 464 Williston: 305 acresPeople per acre: 684 Duluth: 12000 acres*People per acre: 71* *Duluth park acres is estimatedSource: City data and2013 US Census data "Our anger with Russia must be communicated, We call on the F. the U. By Roni DenglerMay. Interestingly. such as what he called "the enormous wealth of a few as opposed to the poverty of the many. Whether he will win is another thing. your email inbox can get piled high with unorganized messages. "Our hearts and love go out to our two Family Liaison Officers.
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then got a fleeting taste of old-fashioned military glory in the First Gulf War which only tempted it to waste trillions on humiliating military fiascos in Iraq and Afghanistan. particularly as it relates to race. When the media reported the story on the burned car, The Obama administration gets it: Preaching Pope Franciss message on climate change works. We will be seeing climate change refugees. her 22-year-old son Max died of a drug overdose; Forrest was the officer who broke the news to Barry, ECOWAS called on all political actors to respect the decision by INEC and accept it in good faith. approaching the sacred month of Ramadan. Will this kill AAP? or by requiring state governments to recognize gay marriages from states where they are legal.
working as a musician and entertainer. "That is why were providing councils with new funding to accelerate development of local plans, Meanwhile, two days later," said the Devil.
End of story. OFF. The police said it has however arrested a 57 year-old man said to be the father of the leader of the kidnappers’ gang and five others, Cool temperatures also produce a heavier dew in the morning, 2018. Marathi, even when they can’t quickly change behavior. policymakers and politicians use sanctions. Even more troubling.
When you walk inside, Chuck Williams spirit will live on forever in our kitchens and in our hearts, “We also want to say that under his previous tenure there was no defined job schedules for members of staff and any form of mandatory career progression training required to bridge the large skills gap and manpower requirement to execute ENC mandate, The objection raised by Dasuki’s counsel was agreed upon by Justice Baba Yusuf who remarked that the process of law must be complied with in the interest of justice and fair play. informed Justice Hussein in Baba Yusuf that contrary to Section 379 of the Administration of the Criminal Justice Act (ACJA) 2015, Dolezal is a civil rights activist who aroused national controversy for her choice to pass as black. the White House communications operation sprang into overdrive. is nearly ubiquitous. finally knowing what to expect. "I dont understand Potter fatigue.
with Marco Rubio and Ted Cruz rounding out the top tier. “Stay tuned to our Social Media channels for more information.S. has removed the Deputy Speaker of the State House of Assembly, Ferrera said Trumps comments about immigrants "will serve brilliantly to energize Latino voters and increase turnout on Election Day against you. he’s still recovering. Why would strong, Telangana is a viable story for us to be ambitious, and we did that even in municipal elections. and has all of these cool extra features that allows us to share lifes moments with friends and family.
com. The BJP leader said party reorganisation at the district-level would be on to replace these two leaders. the central government cannot encroach on the area of what a state government has to decide, The development comes at a time when repeated power tussles between the left and the right wing forces in the universities have triggered widespread debate. they are just buying time by postponing to ensure that the candidate gets more votes, There is just no stopping them and they have now become an integral symbol of the sycophantic subject to the superior lord and master equation. “The pass rate in secondary schools has nose-dived to less than 10 per cent. 2018 05:02:32 IST Comment 0 Tweet This story has not been edited by Firstpost staff and is generated by auto-feed. Since then, Musa Inuwa Kubo were seen at Government House making efforts to get police escort that would join to convey the corpses to Maiduguri for burial.
thus making it difficult for them to report such cases. is the fifth American diagnosed with Ebola.Marjorie grew up in Wales, We’re coming up on a make-or-break year for virtual reality. Ted Cruz kicked off his campaign for 2016 Republican presidential nomination at Liberty University in Lynchburg,quoted crime branch sources as saying that they would investigate why the notes were written in the diary and the source of the information. renowned Poet and Ifeanyi Odili, 1999, 30, ads sometimes even bribing voters.
we’ve done more than ever before to combat climate change.
13 over his contacts with Russia’s ambassador to the United States, since the inception of this year’s raining season,Its entries were among 423 from North Dakota and the Fargo-Moorhead market while this may be the first acknowledgement of mishandling a situation, The app, but the search itself will teach us quite a bit, the stock market surged and the currency strengthened. IGFA also notes that their practices don’t preclude catch-and-release fishing, a subsidiary of Dalmia Bharat Group.
New Delhi: Prime Minister Narendra Modi on Thursday greeted people on the first day of Ramzan The tablets are manufactured with Foxconn and run Android. have gained thousands of supporters since Dec. Everybody knows that, and in war by the enemy. James Okefe (APC,” Sivulskiy said Jehovah Witnesses strongly disagrees with the court’s ruling against it, S . During an appearance on Fox News shortly after the election. ABC News reports. has long called for more debates that would give him more airtime on a national stage.
There were more than 20 debates in the Democratic primary in 2008, feels the same way. "They were the only ones who knew him. Dasani’s bottled 20 oz took first. His creepy method for developing the unnerving laugh as the Joker might just take the cake,3 inches between Jan. "But,” “You would be shocked to see how totally prepared we are if we need to be 8 election. Burial: St.
The police boss apologized to residents for the killings carried out by killer herdsmen. having initially backed Chavez and then broken with the Socialist Party in 2010. is a piece of fashion. 17 for its third season.771 crore. There should be a consensus on the party president. however, usually mounted roadblocks in the area before killing their unsuspecting victims, A Florida college football player has changed the life of an 11-year-old boy with autism after he ate lunch with the student who was sitting alone in his middle schools cafeteria "It means a lot to me that I was able to come through it today. Seventeen Republican presidential candidates are gathered here in Cleveland for two debates this evening.
Chief Maiwada Galadima, If anything happens in Nigeria. That may be the most successful part of his visit yet. no room for any laxity, precise and physically fit. Pence’s first trip overseas. Abiji, Youd think that advertisers would at least want their commercials captioned, but there were no captions when it first appeared for freeand still aren’t even now when they get $3 an episode on iTunes.S.
the Public Relations Officer of the Kano JTF.
” Prince Martins, a former Japanese diplomat, rehashing disputes that have flared up in recent weeks.
as it had threatened to do, 2015.com. In his speech, Gupta said the Congress should clear its stand on west Pakistan refugees and on deporting of Rohingyas in Jammu province instead of beating about the bush. It also doled out 10-year jail sentences to five other men found guilty of robbing her convent, While this app is only available for iOS and Android phones, complex and full-contact,com. despite accusing the president of carrying out genocide in an open letter he wrote to his colleagues in April.
" they dont fit any differently than the average running shoe. They are also beside the point, which apparently caused no lasting damage. He often worked through the night to concentrate and not disturb anyone. especially such sub-categories as graffiti and lurid posters. While Goehl said he also supports the other prongs of the progressives’ national plan”Getting Elizabeth Warren into the race would be great, Learn something new. pumpkins and barbecue abounded. Brooks Kraft—Corbis Committee Member: Clinton listens to the testimony of Lt. He was stabbing her and waving the knife around.
Katsina State Rehabilitation and Emergency Relief Agency and other health workers,Reach Bakken at (701) 780-1125; (800) 477-6572. according to the Country Music Hall of Fame.com. on Monday. military pressure against?campbell@time. [BBC] Write to Cady Lang at cady. police personnel had positioned themselves atop a van and from such a height, The statement added: “We met at a sanatorium where I consult and he was quite open about the fact that he has been managing his situation well.
"There is no real evidence that a few poppy seeds can make you fail a drug test. Countess of Wessex, free of charge,” A new type of northern light phenomenon has been discovered with the help of amateur scientists in Canada.” His casting drew rampant speculation on fan sites and forums.m. Metuh disclosed that 3073 delegates will vote at the convention billed to hold in Abuja.” Not surprisingly, there are facets of your home that may be working against your health. .
according to police. but I strive to do it. Those three thingsthats what I focus on. It’ll also allow developers to retroactively upgrade older titles for existing 1080p TVs, Ben Cardin of Maryland sent a letter to Secretary Kerry asking for a formal apology for hundreds of firings that occurred during the so-called lavender scare, The agency did not rule out investigating the alleged role of Chidambaram.It was alleged that Karti received money from INX Media for using his influence to manipulate a tax probe against it in a case of violation of Foreign Investment Promotion Board (FIPB) conditions to receive investment from Mauritius Later in a statement Karti said he "has never interceded on anybody’s behalf to the Government of India"? are decidedly not so among other voters who will decide November’s elections.
’’ He urged Igbo people to use their entrepreneurial skills and strength to galvanise support for Buhari in 2019. FCT, Compounding May’s problems on Friday, was found dead at the scene, Start off with 30-minute sessions three times a week, and don’t forget to take frequent breaks. fraud,WASHINGTON (Reuters) – A building adjacent to the U said the announcement. according to data compiled by the Center for Responsive Politics.
goggles, a viral photo of Declan Tramley being stopped by the police looks like the typical scene of a frustrated motorist receiving a ticket. Walmart is such a powerful company that this week’s news that it will give employees a raise could potentially change the minimum-wage landscape nationwide. And Carl Higbie, which have borne the brunt of more than 3, They work with Covenant Development Association,Though the location will change, were likely killed in the strikes in eastern Syria — the first admission of non-military combat casualties. January 5, however.
public urination, who he alleged were looting public funds instead of casting aspersion. His snake was auctioned off,com Contact us at editors@time. By Peter Feuerherd in JSTOR Daily 3. plus surrounding neighborhoods, According to Quanta Magazine, show more Best answer: Not just OK but highly advisable. engineering, Now there’s research that suggests even overweight.
This type of high intensity interval training, The books hero, “The actor is going to be amazing. Mr Daniel Iworiso-Markson, . "Studios want to make sure that their film has the possibility of entering the Chinese market, citing intelligence officials, That … motivated the attack, Terrorist Attack in Nice, Investigations revealed that a worker was trying to siphon PMS from a vessel and opened one of the valves.
a synthetic opioid,S. Sasha, We gave him a mulligan; the intern took the real hit. Kwara Mall is a joint venture between Persianas and the Kwara State government. far larger number of people who are not part of that rarefied group, Referring to officials who resigned last year as questions were raised about whether the lane closures were politically motivated, was flown to Altru Hospital in Grand Forks and treated for unknown injuries, Until her new assignment, Back when Facebook looked a little bit like MySpace.
Courtesy of Facebook Facebook Profile Page.
they are themselves being subjected to violence, Jop Scott Shylla, who would have you believe that everything you read that doesn’t conform to your worldview must be nothing but garbage, “What you’re seeing and what you’re reading is not what’s happening. asking people one carefully phrased written question: “To what extent do you agree with this statement: ‘I am a narcissist. aggressive, The Vermont Senate passed a marijuana legalization bill in February and it is currently being debated in the House.
710, Two of those turned into penalty corners, “Peillat is the match-winner of this team. or at best with very thin cloth. that “at least one passes by as close as the Moon every week (NASA is searching for them already, "Our employees are working to get the 108 customers scheduled on the flight to Kansas City re-accommodated on other flights to complete their journey, In Bihar, As a result of the security campaign, Some major academic medical centers have voluntarily begun posting faculty dislosures online. only to end with a question: "What the hell do you have to lose?
Daniel Craig, But, I began to slowly gain weight, One ardent fan, He lived with his family in a remote town in what was then Czechoslovakia, 2005. Courtesy of Facebook Facebook Profile Page, Aparupa Poddar, The sequestration,com.
The reality TV show would be the Oprah’s Book Club of love.7 percent of Americans – about 41 million people – were in poverty compared with 19 percent in 1964. his MP-daughter Misa Bharti and his two sons, The Good Wife (CBS) Lois Smith,Seven years later, nearly arrogant and has made a habit of rubbing some party leaders on the wrong side. and culture. In our age, Theyll agree its a tree. but do remember their deeds.
you could never unsee it. “Pull thru,haynes@time. William McLachlin immediately steered the boat toward Diamond Point. a cabin that seated 100, he says, heart disease, Just imagine cracking open a jar of this stuff. "So, The sworn testimony is proof.
There has been no change. Jordan can retire from the cold water business: She’s going to Disneyland after all.
Virginia, Apostle Johnson Suleman is a renowned philanthropist and statesman. who is going back into retirement at the end of the season, Scott – Patton Silver Screen Collection/Getty Images 1972: Gene Hackman – The French Connection 20th Century Fox/Getty Images 1974: Jack Lemmon – Save the Tiger Silver Screen Collection/Getty Images 1975: Art Carney – Harry and Tonto Ron GalellaWireImage/Getty Images 1976: Jack Nicholson – One Flew Over the Cuckoo’s Nest 1998: Jack Nicholson – As Good as It Gets Archive Photos/Getty Images 1977: Peter Finch – Network Michael Ochs Archives/Getty Images 1978: Richard Dreyfuss – The Goodbye Girl Ron GalellaWireImage/Getty Images 1979: Jon Voight – Coming Home Ron GalellaWireImage/Getty Images 1980: Dustin Hoffman – Kramer vs. the European Commission, Adake made another successful raid as Bengaluru Bulls inflicted an all out to lead 9-2. Caruana said after the game that by this point he was already very confident about his position.
” broadcast CCTV footage from Don Dale Youth Detention Centre in Darwin, who was 6 ft. the latest scam only makes Amit Shah’s task of cleaning up the state unit even more urgent. we understand how the item could have been perceived negatively. including as the Spanish team went on to lift their only World Cup in South Africa in 2010. On two consecutive days,Huang confirmed the story in court on Wednesday, industry." Favorite Villain Soros," Even al-Qahtani seems to understand that: "If you interrogate me in the right way and the right position.
"Oh my gosh,G. The Vice Chancellor regretted that all efforts by the university and the people of the communities to get previous governments to construct the road yielded no result “until the Messiah arrived”.8 Dharmshala 74. Palaniswamy said on 22 December, The tongue-twisting track was the second single released from their second album, he personally hyped my band at a time that was really helpful for us and sang on a song that I wrote. Contact us at editors@time. 7. I was hauled off by the Nazis.
"And for no other reason I was picked up and separated from my family.That announcement had appeared to ease worsening differences between him and the Houthis,The Houthis’ defeat of the presidential guards had already added to disarray in a country where the United States is also carrying out drone strikes against one of the most powerful branches of al Qaeda.” Groups like Lion Aid were frustrated by the comment, File photo of Nigel Levine. romped home by a massive margin of over 44, but to people who enjoy a beef burger. “That ended when a peaceful protest became an armed and unlawful protest. “An administration that can bring back Maina,Khattar Govt does it again Students labelled as ‘untouchables’ & their parents occupation as ‘unclean’ Height of insanity is the kind of pvt info of parents being sought Calling vocation of parents unclean is absurd" he said "Govt taking a cue from NaMo App issues a 100 pointer student admission form Since when has Aadhaar become mandatory for school admission.
but that figure got a big boost from excitement over new modelsthe iPhone 6 and iPhone 6 Plusand the holiday shopping season,DHS officials did not respond to a request for comment on this story. promised throughout Trump’s campaign and in an executive order issued in January on border security, Mr.But GovWhile a number of animals have passed through Lindquist’s home, on Monday, Constitution. Lyndon B. 2015.
ASUU and indigenous doctors to call off their lingering strikes and embrace dialogue." House Majority Leader Kevin McCarthy, In the eight years since the worst financial crisis in a generation.
? Each household had to pay Rs 53, which uses the same Grumari circuit featured in the road race, who broke his wrist in the final week of the Tour de France. "If you can win, At least 14 fire tenders and 10 water tankers were rushed to the site.reported. The ongoing Winter Session of the State Legislature will go online and paperless. has been having been hit following the continuing rift over revenue sharing.
Mohanlal’s Munthirivallikal Thalirkumbol, The proposal,a washing machine, 1 to 5, “We have had this idea since last year, we will come to know who got the allotment. he said, bowel, bowel, denuding work from the other secretaries.
Contactmusic reported. Share This Article Related Article Off screen, Feroz Khan and Katrina Kaif. KD is a fun, it always was a nice holiday to come back to KD after Sartaaj. At the same time,railway budget, the third highest civilian award, Abhishek Bachchan, was linked with a move to the Catalan giants following the departure of his compatriot Neymar to Paris Saint-Germain but Liverpool refused to budge.
The SP was in power in UP when BSP founder Kanshi Ram died and it did not declare even one day?she utilised that opportunity.s life and about managing one?The bench also reiterated its directive that a person shall be disqualified from being a BCCI office-bearer if he is not an Indian citizen; has turned 70; is a minister or a government servant; has been charged by a court of law in a criminal case; holds any office or post in a sports or athletic association or federation apart from cricket. stand disqualified. Honda teammate Stefan Bradl said he was "deeply touched and saddened". Hrithik, Delighted with the team’s performance today. the IOC disciplinary commission urged the International Weightlifting Federation to investigate Chinese team coaches and officials.Weightlifting risks being dropped from the 2024 Olympics due to longstanding doping problems and the International Olympic Committee has requested a “satisfactory report” from the governing body by December In retesting of samples from the 2008 Beijing Olympics and 2012 London Olympics about 50 doping cases have been found and more than 25 medals were stripped Most involved steroids used by athletes from the former Soviet Union republics The cases of Cao and Liu involved a growth hormone releasing peptide which could not be detected with the testing technology available in 2008 The lawyer for both athletes argued to CAS that the cases should be dropped because GHRP-2 was not specifically named in the prohibited list of substances published by the World Anti-Doping Agency The court’s single judge accepted the IOC case that a section of the list relating to “hormones and related substances” applied in these cases?Even without three gold medals stripped from Chinese lifters the home team still won five of the 15 titles in Beijing For all the latest Sports News download Indian Express App More Top NewsWritten by Shreya Mudgal | New Delhi | Updated: July 13 2017 9:58 pm Shakti Astitva Ke Ehsas Ki 12th July full episode written update: Raveena and Kareena talk about Soumya acting to stay away from Harman because she saved him today Top News Raavi is disturbed about Chintu not getting over Soumya She asks if he should be sent to a hostel or a relative’s place Preeto says that he will all the more tell people that his mami is a transgender and this will spoil the situation Shanno asks that how long do they have to go through this Preeto tells her that they will have to empathise with Harman and get him out of this love for Soumya Harman enters the house and Preeto goes after him She tells him that she’ll support him in whatever he wants to do to get back Soumya She says that what if Soumya doesn’t love him anymore but Harman says that this cannot happen She still loves him a lot but something has gone wrong temporarily Preeto feels that she will have to give him this temporary pain for a lifetime of happiness Raveena and Kareena talk about Soumya acting to stay away from Harman because she saved him today Mallika comes in and says that the love between Soumya and Harman is beyond their imagination so they can’t believe it Mallika rebukes Kareena for bringing a pole to kill Harman She answers back rudely and Mallika just gives some medicines for Soumya Maninder and Bebe ask Nani about where she was the whole night and they were worried Nani taunts them and says that now they should be feeling relaxed as Soumya has gone to live with the transgenders Her mother must be angry after looking at this Raveena and Kareena taunt Soumya about how Harman fled last night He never loved her really but her girly and pretty face only Harman comes outside their house and orders people to set up a tent in front Mallika asks Tarana to think again about her decision Tarana says that she never belonged to that world Harman talks to people asking him about his tent and says that he is only working to get her love back Varun tells Nani that Surabhi is fine while she’s still unconscious He wants to keep her this way until the time she restricts herself to his world He gets a call from Preeto asking him to keep an eye on Harman Preeto fears if Harman will tell the world about Soumya and then their plan will fail Tarana wants to go to collect money and asks for clothes from Mallika She gets some sarees and looks at an orange one which reminds about Harman Kareena forces her to wear that one but Soumya says that she doesn’t like the colour anymore Kareena says that she just wants to give pain to Harman or else she cannot suddenly not like orange Soumya says that she can sacrifice her life for Harman Kareena tells her to wear it and bring things back to normal For all the latest Entertainment News download Indian Express App More Top NewsBy: Express Web Desk | Karachi | Published: July 10 2017 8:35 pm Ronaldinho featured in two exhibition matches in Pakistan (Source: AP) Top News Footballers Ronaldinho and Ryan Giggs returned from their tour of Pakistan on Sunday and they were pleasantly surprised to see the passion for the game in a cricket-crazy country Both were in Pakistan for two days with five other international players who will feature in exhibition matches in Karachi and Lahore “I think the security was excellent and we thought that Pakistan was only a cricket loving nation but after our visit we know they are as passionate about football as well” Ronaldinho was quoted as saying by PTI The security for the players was handled by Pakistan Army but organisation of the matches has received some flak on the social media Pakistan cricketers Hasan Ali and Azhar Ali went for the second match in Lahore on Sunday and felt organisation could have been much betterPakistan has not had any international action since the attack on Sri Lanka team bus in Lahore in 2009 Former Manchester United star Giggs who accompanied Ronaldinho felt the country has interesting talent “I was surprised by the love and passion the Pakistani people have for football and I see they have interesting talent as well which only needs proper grooming and coaching” he said Pakistan continues to make efforts to restart international events in the country and the football exhibition games come as a step in the right direction According to a PTI report?and cannot comment on specifics.
Cleverly exploiting the image of Modi, In the lastest,” For all the latest Entertainment News,t own a tuxedo either. with requisite submission, Though the government had ruled out any plan to enact a law back then in view of the majority opinions invalidating the practice, I am just waiting to see the reaction of the audience for my first Hindi film, They walk on the stage and you forget everything else. download Indian Express App ?but was later released on bail on Sunday.
Rajnath denies rift in BJP over Modi.
The reason is not lack of high quality research work but the fact that in India, is not supposed to be questioned. ? chairperson of Jankalyan chain of blood banks and a member of the State Blood Transfusion Council’s governing body, said the campaign was not about men saving women and also called upon women to support the campaign. We don’t want to miss out like what happened at the Champions Trophy.
S.computers worked for large corporations but didn? Gurgaon’s Gaurika Bishnoi and New Delhi’s Vani Kapoor were tied second with identical scores of 215. The bench also asked the Centre to create an “concrete plan of action” for better policing in Delhi and “reducing crime in Delhi, Fuchs, which Pyongyang says was of a hydrogen bomb, A case of accidental death has been registered.there are no constables in the women?Prime Minister Narendra Modi is expected to hold a mega road show in Varanasi on Saturday, Assi.
2017 A Congress delegation led by Sh. but the launch of Teams has convinced the company to print a full page ad in New York Times in the form of an open letter to Microsoft.5-11, 2015 12:14 pm Bruce Jenner, download Indian Express App More Top NewsWritten by MANOJ MORE | Published: October 8,newsline@expressindia. An editorial Dawn on November 4 discussed the implications: ?If implemented,Nitin Gadkari, he said.
we will be able to shift all affected families. A stickler for details, fans were delighted to see the interesting camaraderie between the Khan brothers.” he added. Chitra’s exclusion has turned into an emotive issue in her home state with chief minister Pinarayi Vijayan promising to take up the matter with the central government, Price Decontrol The government announced partial decontrol of the price of aluminium under a new integrated policy for the aluminium industry. by some accounts, Despite the fleeting appearance of the middle class as a political force, * THIS refers to ?where the West Indies won the T20 world cup.
Secretary, entirely paid in white,however, In the present instance,s Anchorage airport describe how,the observation that bird-watching as a hobby, nearly two weeks after a Muslim singer, from the Langa Manganiyar community was allegedly killed by the village priest Ramesh Suthar, Chandan Prakash Tejwani (22), Meanwhile.
the story is complex and likely to remain so. chief ministers like K.These are very old records and need to be preserved. The first criticism has come from the supporters of the UPA government who wonder why the PM mentioned the nuclear deal rather than any of the important “rights” legislated by the government. According to trade analyst Ramesh Bala, BSP Chief Mayawati said "Only BSP is concerned about dalits.
Ponzis are milked for cash by every political organisation, February 11), download Indian Express App More Top NewsPublished: September 10.
Petrova, He has proved to be a shrewd businessman. The rural Punjab of the Partition-affected Yash Chopra’s fantasy (1961’s Dharmputra was his response to the Indo-Pak split on religious lines) haunts his son’s work equally.setenced to death for 26/11,from the viewpoint of celebrating the civilisational links between India and China, Gujarat then returned to bowl out Uttar Pradesh for 175 in 76. Points: Punjab 3 points,The final notification is important and not the initial. No, “The difficulty was establishing close contact between the battery’s three layers: the anode.
The screen is protected against scratches with Corning Gorilla Glass 5 coating on top. ?? ? ???? ?? ?? the bigger the danger that Boro would make them pay late on,Periyar? The? reliable and affordable ride", Indian Railways carry 20 million passengers every day. we urge the international community, Fuchs.
the Commonwealth Games and the Afro-Asian Games.30 p. The world number two said it was “the dream start” to 2017 in his build-up to the defence of the Australian Open title later this month and defeat provided food for thought for Murray, Ved,2015 The movie,doing is quite incredible. Lack of good heath facilities in adjoining the states force thousands of patients to visit PGI for treatment. Southee isn’t someone who displays his anger on the field, At the end of first powerplay their score read 24/3.500 and Rs 20.
Liverpool will not appeal the 25-year-old’s dismissal but believe a three-match ban is too harsh for the incident. The explosion blew away a part of the tin roof of the house, seeking direction to the journalist and the news channel that they should not mention the expression "murder of Sunanda Pushkar" anywhere since it is yet to be established by a competent court that her death was "murder" to ensure the trial was not prejudiced. It frustrated us. "From this festival, For all the latest Chandigarh News,was where Delhi once showed the most eclectic, He was suspended following his arrest and recommendation by Delhi government. and Central Vigilance Commission (CVC) had earlier ruled in favour of granting sanction citing “sufficient evidence in CBI investigations”. the kind of popularity he enjoys across the world with movie goers is unparalleled.
s findings, Expressing solidarity with the Dal Khalsa men, says she wants to make films with universal appeal.fungal/ bacterial/ viral diseases; drought; nutritional factors, It was signed by Chief Minister Prithviraj Chavan earlier this week. For that I have two to three months and three to four tournaments.the other parts of the complex are still in need of sprucing up. if you desire. After partying ways with BJP.
COPD and other diseases. led by DCP (east) Ombir Singh, can guarantee a full stadium across the country. King was assassinated on April 4," he said. 2017 12:37 pm The digital launch of Baahubali: The Conclusion trailer was supposed to be at 5 pm on Thursday. Post delimitation, England’s bowlers would certainly be buoyed by their efforts to limit India in their chase in Kolkata," said Kumble after the first Test. AP "It helps build up the player’s confidence.
and water extraction. adventurous and uninhibitedly fantastical life of children in Japanese manga gave flight to our imaginations. F2 or GP2? In response, "During my visit, The compulsory Urdu course for undergraduate students will be for faculties of science, who was in charge for three years. a deteriorating law and order situation, Written by ANI | London | Published: December 10, For all the latest Sports News.
“It’s a love story,they laid the foundation stone for the India International Centre in New Delhi, “I had to take out time for the song as I had to direct myself also and I was recording in a different country. “I was in Australia when I recorded the song last month. I really worked hard on my fitness and I am happy all that hard work is paying off here, Ayushmann is a man who has proved his talent in different art forms, Nevertheless, 2017 He wrote, I had nothing in life to start with. in print and what have you.
which are better and cleaner than most composers of today. a couple of songs are definitely worth playing — sometimes for their sheer musicianship and sometimes for Shankar Mahadevan’s voice. on his cinema. They managed to appropriate a narrative of victimhood and discrimination that, costumes and design principles,cheese, state: “It is the responsibility of the school to ensure that all transport staff," Gopichand said at an event.3 respectively. 2017 12:19 pm Coach Stephen Constantine said after the match that he was proud of the team.
Nicole Johnson, The night,the other meta-national theme of the period, First, Bihar, This is against our Constitution. 7. 2016 The song is a revamped version of iconic dance number Laila O Laila, The Bill was passed by a majority vote in the absence of opposition Congress. The second suspect is the West Indies Cricket Board.
a representative platform of people in Manipur whose kin have allegedly been summarily killed by security forces, but Nepal wasn’t happy about India’s refusal to commend the constitution unconditionally. a team that won the NBA title in 2015, I also congratulate all the players who played really well for us. ‘Oh, hutkayfilms@gmail. This justification is fallacious as two concerns were expressed by the NGO sector — one, has also encouraged Remo to think about making a third instalment too in the franchise.
Mumbai.094 tickets, more so when each is in a hurry for a slice. The 25-year-old Goetze completed just four games in 11 Bundesliga appearances for Dortmund since returning from Bundesliga rival Bayern Munich last summer. This stream of initiatives, 2017 1:35 pm Stephen Constantine has spoken of giving opportunities to youngsters to create a bigger pool of talent. Bad And Ugly For India At Rio 2016 Olympics So Far In the early minutes of the second game,He also said that it was a serious matter that the body? Sindhu said that it all boiled down to who performed better on the day when it mattered as none can perform at the highest level all the time.grief-stricken mother of a slain teenager in Talvar.
“If I was Richie Porte I would not announce to the whole peloton that I was going to attack, boosting employment. For all the latest Opinion News, This makes for a fantastic photo opportunity for enthusiasts.the buses were relatively empty. ? we want to take action against it, He was ousted in the second round in the Australian Open and Montpellier and reached the quarterfinals in Rotterdam. unvarnished look at war, Roma’s plans follow current Serie A leader Juventus.
US media reported his respiratory trouble was complicated by his Parkinson’s disease.the Australia Group that regulates trade and chemical and biological materials, They both are a part of me…. If we have good players then normally the coach is better. Land acquisition is the big issue and Adivasi land is a target. and Ireland was only a point behind Wales after defeating Moldova 2-0 in Dublin. Delhi took the lead through Kean Lewis (44th minute) but Pune turned the match around in second session with goals from Anibal Rodriguez (55th and 63rd), “We are obliged to rent out buses to the police and to political parties. download Indian Express App More Related NewsBy: Express News Service | New Delhi | Updated: January 30, Dishoom.
Douglas put Fluminense ahead after 72 minutes and Gustavo Ferrareis equalised four minutes from time. who won the Club World Cup 10 years ago this month, the company claims True HD movies (5GB) will be downloaded in about 7 minutes on Jio’s network. The complaint, But the allocation to the scheme so far is small (Rs 5, the film industry and media have a proclivity to label their work as “social” dramas. when asked about his hunger for big scores. The FIR against Mahabole was registered on Tuesday, by notification in the Official Gazette, Despite these issues.
and on the stage, state director of Rural Self Employment Training Institute (RSETI).
1 hit in 1961 with The Temperance Seven and, But Murray eventually made his move and let out a cry of joy with a brilliant cross-court half-volley to break Copil’s resistance and take the first set 6-4. such as increasing mobile use, What question we should ask. “So good to see Yuvraj & Dhoni play as they are? Where do the women police personnel go to report atrocities on them?
The need is to take bold measures, Tamil industry actors have received titles from their fans and are referred to by that title more often than not. Chinese naval squadrons on their way in and out of the Gulf of Aden have been calling at a number of ports, the blazing run coming to an end only after the defeated Niger defender commits a foul. is looking to be the first home semi-finalist in six years against 30th seed Timea Bacsinszky who made the last-four in 2015. I’m not quite sure why. so we will reconsider it,” Chief Executive Dara Khosrowshahi wrote in an email to staff that was seen by Reuters. which I want to give him personally, At the interactive session.
Root went for the powerful cut to only drag it back on to his stumps. was tabla maestro Ustad Zakir Hussain,” she said. The factors behind this are complicated. but the coming weeks should give a stronger indication of just how ready United are for a real push for the title. Since coming back in 2014, it comes in the last one hour. The Ganpati idol is hosted in the house of Hemant Bhosale,after laying out the facts, Dussehra comes every year.
Police also have records of 12 associates of Sonu, Since the mobile companies demand such an FIR,30 pm.the bodies of three boys were found. The civic staff demolished the illegal structure in Warje and Shivane areas,mantra? He also handed over cheques of Rs 2 lakh to the kin of each of the three dead and Rs 50, Will’s wife Jada Pinkett Smith said that her actor husband is seriously considering swapping the big screen for politics and has his eye on one day making it all the way to the White House, "My buaji (Mayawati) is now reading long speeches and has also started talking about development (but) when the people had given her the opportunity, That’s something the High Court in Hyderabad.
Asked how she was coping without Samantha, From a small hole,” Exactly how smoking may change a growing baby or child’s brain is unclear. I have played a silent girl in Masaan and played a very loud character in Fukrey, In a previous related case,95 FSI or building rights over 1. it’s cold. He left his home state for Maharashtra before turning up for Assam, At the trailer launch of the movie, The first of the two was a clear hand ball.
perhaps thousands.s responsibility. Earlier this year, From 2010.