According to the Bali Tourism Promotion Board (BPPD), Bali has witnessed around 55.47% growth in Indian tourists visiting the country during the first six months of 2016 as compared to the same period last year. During January-June this year, 92,519 Indian tourists have travelled to Bali as compared to 59,509 tourists for the same period last year.India is ranked 6th for inbound visitor arrivals in 2016 for Bali, figures during the first six months of 2016 clearly reflect.Gilda, Executive Director, BPPD Bali, said, “The growth in arrivals could be achieved by the marketing efforts of India Representative office – Representation World.”“The luxury and leisure market for Bali is on the rise as Bali offers all that luxury, leisure and honeymooner travellers are looking,” said Monica, Brand Ambassador for Bali Tourism Promotion Board for India.“Our focus on MICE segment, the marketing support for BPPD Bali, support from Embassy and Consulate, the aggressiveness of our partners in Bali Indonesia, efforts of the Ministry of Tourism of the Republic of Indonesia and most importantly Visa on Arrival for Indian really helped to achieve this sustainable growth of over 50% in first six months of 2016,” said Vineet Gopal, Director- India, Bali Tourism Promotion Board.
Hyatt House Kuala Lumpur, Mont’Kiara opened recently, marking the brand’s entry into the extended stay hotel segment in Malaysia and the Southeast Asian region. The Hyatt House hotel is strategically located in the cosmopolitan community of Mont’Kiara, only minutes away from the Malaysian International Trade and Exhibition Centre (MITEC).With 298 guest rooms and fully equipped kitchen suites, the hotel currently stands as the largest Hyatt House hotel in the world, featuring a full three-meal restaurant, 3,200 sq ft of meeting space, a 24-hour workout room, infinity sky pool, and the TEN 37 Skypool Bar, which features a captivating view of the Kuala Lumpur city skyline. “Hyatt House Kuala Lumpur, Mont’Kiara is located in a very desirable area, and we are looking forward to creating a positive travel experience for each and every guest,” said Bennett Peter, General Manager. “The Hyatt House brand is everything the name represents – a welcoming and warm environment that encourages guests to live like residents. We want each and every guest who comes through our doors to feel that they can let their real-life routines roll on, even when they are on the road.”“We are proud to work with Hyatt and to bring the Hyatt House extended stay experience to Malaysia,” said Anwar Syahrin Abdul Ajib, Managing Director/Chief Executive Officer of UEM Sunrise. “Hyatt House Kuala Lumpur, Mont’Kiara completes the overall implementation plan of our award-winning Arcoris Mont’Kiara development, which is designed by the London-based architectural firm, Foster + Partners. It is a significant milestone that marks UEM Sunrise’s inaugural venture into the hospitality industry as we expand our business portfolio. Hyatt House Kuala Lumpur, Mont’Kiara addresses the needs of businesses and leisure travellers in the affluent Mont’Kiara enclave and its wider surroundings.”Located in the heart of Mont’Kiara, an affluent suburb located three miles from central Kuala Lumpur, Hyatt House Kuala Lumpur, Mont’Kiara is surrounded by recreational options, including the best in premium international dining, retail, niche lifestyle stores, and vibrant nightlife.
July 28, 2011 435 Views Share On Thursday the “”Office of Thrift Supervision””:http://www.ots.treas.gov/ (OTS) went dark in offices and locations around the country, with the bulk of its supervisory responsibilities and employees relocating to the “”Office of the Comptroller of the Currency””:http://www.occ.treas.gov/ (OCC) and several other federal agencies. Come October, the agency ├â┬ó├óÔÇÜ┬¼├óÔé¼┼ô responsible for supervising savings banks and associations since 1989 ├â┬ó├óÔÇÜ┬¼├óÔé¼┼ô will officially cease to exist.[IMAGE]Per the Dodd-Frank Act, the OCC received transfers of authority that includes chartering, examining, and regulating savings associations with less than $10 billion in assets, some 640 institutions. The “”Consumer Financial Protection Bureau””:http://www.consumerfinance.gov/, which on Thursday received rule-making and oversight authority for 18 consumer financial laws from seven agencies, including the OCC and OTS, will assume responsibility for institutions with more than $10 billion in assets, according to “”Federal News radio””:http://federalnewsradio.com/?nid=15&sid=2469788.””The mission has not changed,”” the station reported Tim Ward, deputy comptroller of thrift supervision, as saying. “”Responsibility for oversight of the federal savings association is the same as it was before, it’s just being carried out by the OCC rather than the OTS.””[COLUMN_BREAK]In January the agencies issued a “”joint implementation plan””:http://www.occ.treas.gov/publications/publications-by-type/other-publications-reports/pub-other-joint-implementation-plan.pdf with the “”Federal Reserve””:http://www.federalreserve.gov/ and “”FDIC””:http://www.fdic.gov/ ├â┬ó├óÔÇÜ┬¼├óÔé¼┼ô two other agencies which will receive other transfers of authority from the OTS. The transfer process delineated pay systems, health benefits, and other matters that would stay in place or change for the 674 OTS employees moving to the OCC.The transfer was an orderly one, says Brian Hubbard, an OCC spokesperson. He says that the OCC and OTS began talking to each other well before Dodd-Frank passed through Congress in order to expedite the process.””We worked closely with OTS to make sure there is continuity,”” Hubbard says, citing the plan and other rules issued by the OCC. He adds that OCC and OTS examiners and supervisors began conducting joint investigations in January to streamline the transfer process. According to the spokesperson, the OCC organized 17 conferences with thrift professionals to ensure some face-time, introduce the examiners and regulators, and clarify questions about the agency merger.””The conversations were very positive,”” he says. Speaking about the transfer, he says that “”the goal of the agencies was to make this a non-event as much as possible, and evidently we’ve succeeded.””With the OCC responsible for regulating 63 percent of mortgage servicers, a question arises: How will the merger of authority and abolition of a regulatory agency at play for two decades affect the mortgage markets? “”We don’t expect much difference,”” Hubbard argues. “”The overall impact to consumers will be very transparent.”” Agents & Brokers Attorneys & Title Companies Consumer Financial Protection Bureau Dodd-Frank FDIC Federal Reserve Lenders & Servicers OCC Processing Service Providers 2011-07-28 Ryan Schuette OTS Goes Dark as Authority Moves to OCC in Government, Origination, Servicing
Real Housewife Puts Family Estate on the Market Agents & Brokers Attorneys & Title Companies Celebrity Homes Investors Lenders & Servicers Processing Service Providers 2012-08-28 Abby Gregory Reality television star Camille Grammer, best known for her high-profile marriage and divorce with actor Kelsey Grammer, has put her Malibu, California, estate on the market for $17.9 million. The large home, which Realestalker.com dubs a “”family compound,”” sits on 4.77 acres, and the gated property includes equestrian facilities, a tennis court, swimming pool, lily pond, and two spas.The 6,645-square foot main home, which is accompanied by a detached guest house, features a kitchen designed by Wolfgang Puck, a theater room, and a luxuriously-appointed library. “”According to Realestalker.com””:http://realestalker.blogspot.com/2012/08/camille-grammer-lists-malibu-manse.html, two additional homes owned by the former couple are also currently for sale, including their Colorado property and a mansion in Holmby Hills, California; the estates are listed at $6.995 million and $16.995 million respectively.[COLUMN_BREAK][IMAGE] August 28, 2012 400 Views in Data, Government, Origination, Secondary Market, Servicing, Technology Share
in Government, Origination, Secondary Market ACLU Sues Morgan Stanley for Alleged Discrimination Agents & Brokers Attorneys & Title Companies Investors Lenders & Servicers Morgan Stanley Mortgage-Backed Securities Service Providers Subprime Loans 2012-10-15 Tory Barringer The “”American Civil Liberties Union””:http://www.aclu.org/ (ACLU) announced it has filed a suit against “”Morgan Stanley””:http://www.morganstanley.com/ on the grounds of loan discrimination.[IMAGE]The “”complaint””:http://www.aclu.org/files/assets/10-15-12-filed_complaint_re_morgan_stanley.pdf, filed by the ACLU, the “”National Consumer Law Center””:http://www.nclc.org/, the “”ACLU of Michigan””:http://www.aclumich.org/, and “”Lieff Cabraser Heimann & Bernstein””:http://www.lieffcabraser.com/home, alleges Morgan Stanley discriminated against black homeowners and violated civil rights laws by providing incentives to a subprime lender to originate mortgages that were likely to be foreclosed on.According to a release from the ACLU, as many as 6,000 black homeowners in Detroit may have suffered similar discrimination. The complaint asks the court to certify the case as a class action.Five homeowners in the suit received their loans from the now-defunct New Century Mortgage Corp. As Morgan Stanley built up its mortgage-backed securities business starting in 2004, it became New Century’s largest subprime loan buyer.Morgan Stanley provided funds to New Century to originate the loans and dictated the terms of the loans it wanted. The complaint alleges Morgan Stanley pushed New Century to issue certain loans with no concern for risk. “”Because minority residents in and around Detroit have been subjected to decades of housing and lending discrimination, and had fewer alternative sources of credit, they were natural targets for these predatory loans,”” the ACLU’s release says.””Morgan Stanley actively encouraged the proliferation of irresponsible subprime mortgage loans, the complaint charges, in order to feed its hunger for purchasing, pooling, and securitizing mortgage debt for sale to investors,”” said Elizabeth J. Cabraser, partner at Lieff Cabraser Heimann & Bernstein and co-counsel for the plaintiffs. “”The targeting of communities of color for loans that unfairly raises the risk of default and foreclosure is the quintessential ├â┬ó├óÔÇÜ┬¼├ï┼ôreverse-redlining’ outlawed by the Federal Fair Housing Act.””The lawsuit also alleges Morgan Stanley violated the Equal Credit Opportunity Act, which bans discrimination for credit transactions, including consumer loans like mortgages.According to the press release, one plaintiff, Rubbie McCoy, said her mortgage broker “”falsified information on her loan application even though she objected.”” The release says the broker also omitted details, including the fact that after two years, New Century would no longer pay the taxes or insurance on her loan.The lawsuit is the first to connect racial discrimination to the securitization of mortgage-backed securities, the ACLU said. It is also the first case in which a prospective class of victimized homeowners is suing an investment bank directly rather than the subprime lender whose loans the bank bought.While the case deals with lending discrimination in Detroit, ACLU executive director Anthony D. Romero said these practices were common throughout the financial services industry.””With this lawsuit, real victims of the subprime lending scandal are stepping forward to hold investment banks like Morgan Stanley accountable for the devastation the banks wrought in their lives and in our economy,”” Romero said. “”Illegal practices surrounding mortgage-backed securities robbed people of their homes, violated our civil rights laws and left all Americans holding the bag as our economy teetered on the brink of another Great Depression.”” Share October 15, 2012 396 Views
Agents & Brokers Attorneys & Title Companies Home Prices Homebuilders Housing Permits Investors Jobs Lenders & Servicers National Association of Home Builders Processing Service Providers Unemployment 2013-02-06 Esther Cho Improving Markets Index Reaches 259, Encompasses All 50 States Share February 6, 2013 410 Views in Data, Government, Origination, Secondary Market, Servicing As more markets across the country improved, all 50 states–plus the District of Columbia–were able to receive representation in February’s Improving Markets Index (IMI) released by the “”National Association of Home Builders””:http://www.nahb.org/ (NAHB) and “”First American””:http://www.firstam.com/. [IMAGE] Last year during this time, just “”36 states””:https://themreport.com/articles/ninety-eight-housing-markets-improve-in-february-nahb-2012-02-06 were represented. For this month, the IMI grew to include 259 markets, up from 242 in January. “”The fact that all 50 states now have at least one metro on the improving list shows that the housing recovery has substantial momentum and continues to expand from one market to the next,”” said 2013 NAHB Chairman Rick Judson, a home builder from Charlotte, North Carolina. [COLUMN_BREAK] In order to be recognized as “”improving,”” metro areas need to show improvement from their respective troughs in housing permits, employment, and house prices for at least 6 consecutive months. In February, 20 metros were added to the list, while three dropped out. The list’s newcomers include Rome, Georgia; Fort Wayne, Indiana; Myrtle Beach, South Carolina; Albuquerque, New Mexico; and Racine, Wisconsin. David Crowe, NAHB’s chief economist, noted over 70 percent of the 361 metros covered by the index are listed as improving this month. “”That’s a far cry from when we initiated this index with just 12 improving metros in September of 2011 for the purpose of highlighting places that didn’t fit the mold of the national headlines,”” Crowe said. Though, Judson warned, “”there is still much room for improvement in metros that have not yet been listed as well as those that have.”” “”[W]e know that a key factor slowing this progress is today’s overly stringent mortgage standards that are keeping qualified buyers on the sidelines,”” he added. A complete list of all 259 metropolitan areas on the IMI can be found “”online.””:http://www.nahb.org/reference_list.aspx?sectionID=2223
October 24, 2014 448 Views Share Wingspan Receives Capital Infusion; Names New President in Headlines, News Company News Wingspan Portfolio Advisors 2014-10-24 Tory Barringer Updated.Wingspan Portfolio Advisors, a diversified mortgage services firm headquartered in Dallas, has a new president following a multi-million dollar capital infusion from its stockholder investor group.The news follows Thursday’s announcement that insurance claims management firm Dimont & Associates, which Wingspan acquired in May 2013, had broken away as an independent company after receiving capital from institutional investors.At the same time, Wingspan appointed its current EVP of national operations, Jason Spooner, as president. Spooner has 22 years’ experience in the mortgage industry, including leadership roles at Bank of America, Sun Trust, and Wells Fargo. He joined Wingspan in 2012 to manage national operations and will now also oversee the company’s daily operations as president.In his new role, Spooner succeeds founder and CEO Steven Horne. Contrary to recent speculation that the company had lost faith in his decision-making abilities, Wingspan announced that it is moving Horne to a senior adviser role.With the divestiture of Dimont & Associates and the addition of new capital, Horne says the company is now debt-free.”The transaction will give Wingspan a stronger financial foundation than we have ever had and further enhances our ability to deliver exceptional service to our clients,” he said. “As the company’s founder, I am excited by the opportunities ahead for Wingspan.”While acknowledging that Wingspan has “experienced a fair degree of turbulence” with the industry’s shift out of the default crisis, Horne added that the company has made moves to diversify its services and align its workforce to the new environment.”With the closing of this strategic transaction, we have secured the financial support we need to continue as the leader in component servicing and outsourcing solutions,” he said.Spooner echoed Horne’s optimism.”With our new leadership team and a capital infusion from our stockholders, we are now in an even stronger position to meet the needs of our clients going forward,” he said. “Our operational excellence, culture of compliance and true subject matter expertise will enable Wingspan to better serve our clients as the industry continues to rapidly evolve.”
The latest National Association of Home Builders/First American Leading Markets Index (NAHB/LMI), released Thursday, found that markets in 63 out of 351 metropolitan areas nationwide (about 18 percent) matched or exceeded their normal levels of economic and housing activity in Q4 2014, according to an announcement from NAHB.The index ticked slightly upward in Q4 to 0.90, one point higher than Q3’s revised figure of 0.89. The number of markets at or above their normal levels in Q4 increased from 60 in the previous quarter and from 52 in the same quarter a year earlier.”The markets are improving at a consistent pace,” said NAHB Chairman Tom Woods, a home builder from Blue Springs, Missouri. “A growing economy and rising consumer confidence should help drive the release of pent-up demand in 2015.”The LMI uses three indicators to determine a market’s proximity to normal: single-family housing permits, home prices, and employment. Permits and prices are compared with the national averages from 2000 to 2003, while employment is compared with 2007 numbers. A score of one means the market is on the same level as the last normal period, or base period; above one means the market is above its base, and a score below one means the market has not quite reached the levels of its last normal period.”The U.S. level of 0.90 means the U.S. economic and housing market is 90 percent of the way back to normal using the same base levels,” said David Crowe, chief economist for NAHB.Out of major metros, the one with the top LMI rating in Q4 was Baton Rouge, Louisiana at 1.41, meaning it is 41 percent above its last normal market level. Austin, Texas; Honolulu, Hawaii; Houston, Texas; and Oklahoma City had the second through fifth best LMI levels, respectively. Some smaller metros registered LMI ratings of greater than 2.0 for Q4, led by Midland and Odessa, Texas; Grand Forks, North Dakota; Bismarck, North Dakota; and Casper, Wyoming. A rating of 2.0 or more means the market is more than double its strength prior to the recession.”More than 80 percent of all metros saw their Leading Markets Index increase or hold steady over the quarter, a strong indicator that the overall housing market is making headway,” said Kurt Pfotenhauer, vice chairman of First American Title Insurance Company, which co-sponsors the LMI report.The indicator that was most recovered in Q4 was home prices, with an index value of 1.31, meaning prices are 31 percent higher than their early 2000s averages. Employment rated at 0.95 in the index, meaning that the labor market nationwide is 95 percent back to its 2007 level. The index found that the housing permit measure is the weakest of the three indicators in Q4 with a rating of 0.44. Only 22 out of 351 markets have returned to their levels of their early 2000s single-family housing permit activity.”Markets in energy regions have recovered the fastest and are the ones better now than at their last normal levels,” Crowe said. “The markets with the longest road left are those that collapsed the most and have not had the employment recovery enjoyed by the country as a whole. The bottom two quintiles of markets are heavily concentrated in the industrial Midwest and the Sand states of California, Nevada, Arizona and Florida. All are improving but have a longer distance to cover.” in Daily Dose, Data, Featured, News Homebuilders Leading Markets Index National Association of Home Builders 2015-02-05 Seth Welborn Housing Markets Make Modest Gains in Q4 February 5, 2015 429 Views Share
2017-02-07 Staff Writer Home equity has increased by $227 billion in the third quarter of 2016—a jump of 3.1 percent over Q2, according to recent data from CoreLogic. Year over year, equity rose by a total of $726 billion, or 10.8 percent.The most equity growth occurred on the West Coast. While the average homeowner saw equity rise by about $13,000, those in California, Washington, and Oregon had increases between $25,000 and $30,000.“There was wide geographic variation with homeowners in California, Oregon, and Washington gaining an average of at least $25,000 in home equity wealth,” said Dr. Frank Nothaft, Chief Economist for CoreLogic, “while owners in Alaska, North Dakota, and Connecticut had small declines, on average.”The San Francisco metro area had the highest percentage of positive-equity properties, with 99.4 percent.Positive home equity is more likely with properties priced about $200,000, according to CoreLogic’s data, where 96 percent of homes are in the positive. Only 90 percent of those under $200,000 have positive equity.Rising refinances and home prices have likely played a role in the recent uptick of equity across the nation, according to CoreLogic’s CEO and President Anand Nallathambi.“Price appreciation is the main ingredient for home equity wealth creation, and home prices rose 5.8 percent in the year ending September 2016 according to the CoreLogic Home Price Index,” Nallathambi said. “Paydown of principal is the second key component of equity building. Many homeowners have refinanced into shorter-term loans, such as a 15-year loan, and by doing so, they have significantly fewer mortgage payments and are able to build equity wealth faster.”CoreLogic’s data showed the number of homeowners with negative equity decreased in Q3 2016, too. Nearly 400,000 borrowers moved out of negative equity—bringing the percentage of homes with positive equity to 93.7 percent across the country.By the end of Q3, the national aggregate value of negative equity was $282 billion, a drop of $2.1 billion over the quarter and $25 billion year over year. In total, there were 3.2 million properties with negative equity—a decrease of 10.7 percent since Q2 2016 and 24.1 percent year over year.The highest percentage of negative equity properties was found in Nevada, with 14.2 percent, followed by Florida (12.5 percent) and Illinois (10.6 percent.) The Miami, Florida market had 17 percent of its mortgage properties with negative equity.To see the full CoreLogic Q3 Equity Report, visit CoreLogic.com. in Data, Headlines, News February 7, 2017 553 Views Share Home Equity Up by $726 Billion
Refis Up, Purchase Originations Down ATTOM Data Solutions Origination Refinance 2017-03-01 Staff Writer Purchases may be on the decline, but it seems refinances are bucking the trend. According to ATTOM Data Solutions’ Residential Property Loan Origination Report, refinance originations were up 20 percent in Q4 2016—totaling 883,836 and $246 billion. This is up 27 percent over the year.The top metro areas for refis were all on the West Coast: Olympia, Washington (up 108 percent); Spokane, Washington (77 percent); Boulder, Colorado (74 percent); San Diego (73 percent); and Eugene, Oregon (72 percent).A possible explanation for the sudden jump? According to Darn Blomquist, Senior Vice President at ATTOM, it could be buyers anticipating further rate hikes in the months to come. “The increase in refinance originations is surprising giving the rising interest rates in the fourth quarter,” Blomquist said, “but many homeowners may have been trying to lock in still relatively low interest rates before those interest rates rose further.”The already rising rates did seem to have an impact on overall purchase loan originations, though. Those totaled 595,000 in Q4, down 26 percent from Q3 and 12 percent from one year prior. For the year, purchase loans were down 1 percent from 2015. The biggest drops were seen in Naples, Florida (down 23 percent); Austin, Texas (20 percent); and Fort Collins, Colorado (19 percent). “On the other hand, rising interest rates did seem to have a chilling effect on homebuyers using financing,” Blomquist said, “as evidenced not only by the drop in purchase loan originations but also a corresponding rise in the share of cash buyers, drop in FHA buyer share, and a rise in the average down payment percentage in the fourth quarter compared to the previous quarter.”Purchase originations are declining for big banks, too. Wells Fargo saw a 5 percent decrease and JPMorgan Chase a 15-percent one. The top purchase loan originators for Q4 were Quicken Loans and Caliber Home Loans.Data for ATTOM’s Loan Origination Report is pulled from publicly recorded mortgage and deeds of trust across 950 counties in the U.S. To view the full report, visit RealtyTrac.com. March 1, 2017 566 Views in Daily Dose, Headlines, Market Studies, Origination Share
Share Mortgage Apps Decrease by 20 Percent Month-Over-Month applications March 2017-05-15 Seth Welborn in Daily Dose, Headlines, News, Origination May 15, 2017 640 Views The number of mortgage applications for new home purchases in April 2017 is 4.3 percent lower than that of April 2016, according to data collected in the Builder Applications Survey (BAS) by the Mortgage Bankers Association (MBA).The BAS reported in March 2017, new single-family homes were selling at a seasonally adjusted rate of 670,000 units, compared to April’s rate of 517,000 units.Applications dropped more than 20 percent after March, keeping with the previous two years’ trend, said Lynn Fisher, MBA’s Vice President of Research and Economics.Unadjusted, April saw 50,000 new home sales compared to March’s 62,000 home sales—a 19.4 percent decrease, according to MBA’s estimates. Additionally, the average loan size for these new homes also waned between the two months, from $328,192 to $326,284. The funds came from conventional loans, Federal Housing Administration (FHA), Rural Housing Service/United States Department of Agriculture (RHS/USDA), and Veterans Affairs.”For the first time this year, mortgage applications for new homes in April were lower than the same month a year ago. Mortgage applications for new homes fell more than 20 percent in April after peaking in March, as they have the past 2 years,” Fisher said. “A relatively strong March may have pulled forward some applications from April, exacerbating the normal seasonal fall-off. On net, year to date applications for new homes are running about 3 percent above the same period from 2016. Despite steady demand for housing, homebuilders continue to face rising costs for labor and materials which will continue to moderate the pace of building.” MBA’s Mortgage Credit Availability Index (MCAI) also conveyed a 0.2 percent drop in mortgage credit availability, according to previously reported data.”Conforming credit availability has slipped a bit since the beginning of the year, with fewer program offerings along a range of credit characteristics and no particular culprit,” Fisher had said previously.
Rent in Manhattan but Buy a Home in Baltimore Manhattan, New York and Santa Barbara, California are among the most expensive places to buy a home, but the best places to rent, while Baltimore, Maryland and Clayton County, Georgia, are the best counties to buy a home according to Realtor.com on Monday. To assist prospective homebuyers determine if renting an apartment or buying a home is the better option, Realtor.com used 2017 median prices and incomes in 500 counties. The research was geared for urban and suburban dwellers—as an average monthly house payment and rent may be close to the same figure with both continuing to rise.The report, listed several financial indicators to compile a list of home prices versus monthly rent in various U.S. counties: annual median rent, median house payment, mortgage, taxes, and insurance, along with median income. However, it did not factor in the costs of down payments or annual maintenance, as well as home appreciation, which can increase the value of a home over the years.The report indicated that if money were the only factor, the top county to rent and not buy a home is New York, New York, specifically Manhattan, where the rent may be $1,915 but home prices are approximately $2.2 million. Coming in second is Santa Barbara, California, where rent is $1,958 and homes cost approximately under $1 million.Other communities that made it to the top five rent don’t buy list included: Kings County, New York (Brooklyn); Monterrey County, California; and Suffolk County, Massachusetts (Boston).“Homeownership is the opportunity to build wealth. It also helps people be more stable. If there’s a recession and you lose your job for a year, then people can take out a home equity loan and get through the hard times,” said Joseph Kirchner, Senior Economist at Realtor.com.According to the report, the best areas to buy a home instead of rent were in Baltimore County, Maryland, where median rent is $1,443 compared to homes available for $257,000. With a median rent of $1,185 and a median home sale price of $130,000, Clayton County, Georgia (just outside Atlanta) came in second on the buy don’t rent list. Schuylkill County, Pennsylvania; Cumberland County, New Jersey; and Wayne County, Michigan (Detroit) rounded off this list. in Daily Dose, Data, Featured, News February 5, 2018 616 Views Appreciation baltimore Buy Costs Down Payment Home Homeownership New York Realtor.com Rent 2018-02-05 Staff Writer Share
The Factors Impacting Jumbo and Conforming Mortgage Loans in Daily Dose, Featured, News October 8, 2018 802 Views Share A new analysis by CoreLogic shows that while contract rates for jumbo loans appear to be lower than conforming mortgage loans on an unadjusted basis, the gap between the two narrows considerably, when the loans are controlled for loan, borrower, and property characteristics.The analysis indicated that by adjusting the contract rates for both loans on these parameters, jumbo loan rates which appeared to have been 33 basis points lower than conforming ones on an unadjusted basis, were only five basis points below the rates on comparable conforming loans when adjusted for these attributes in the second quarter of 2018.This analysis follows a previous one by CoreLogic that showed the difference or spread between the average contract rate for jumbo and conforming loans during the last 17 years without adjusting for credit risk, property, location, or scale of economies, CoreLogic revealed in its blog published on Monday.For its analysis, CoreLogic first compared the average contract interest rates for both loans in 2018 and 2009 by loan origination amount and found an inverse relationship between the interest rate and the loan origination amount.”The general trend reflects various fixed-costs of origination; in other words, the fixed-cost per dollar of the loan size declines as the loan size increases,” wrote Archana Pradhan, Senior Professional, Economist, Office of the Chief Economist at CoreLogic. Similar to 2018, the interest rates in 2009 declined gradually with the loan amount until the conforming loan limit was reached. However, then the rates took a sharp 85 basis point rise.”The analysis then looked at loan level mortgage data for Q1 2001 through Q2 2018 to estimate the effect of jumbo status on the contract interest rate for conventional 30-year fixed-rate home-purchase loans. It found that the contract interest rates on jumbo mortgages still remained slightly lower than the rates on conforming mortgages in the second quarter of 2018 even after controlling for credit risk, location, and scale economies. However, the difference narrowed considerably.Click here to read the full analysis. Conforming Loans CoreLogic Credit Risk Jumbo Loans loans Location mortgage Scale 2018-10-08 Radhika Ojha
Top Stories Cardinals expect improving Murphy to contribute right away Comments Share The Arizona Cardinals are 1-3, and quarterback Kevin Kolbhas seen his rating drop with every game. His struggles have brought about questions and concernover his play, and especially the QB’s tendency to bail onthe pocket prematurely and not go through progressions tofind an open receiver.“A little bit unsettled in the pocket, not staying withthe progressions, sometimes feeling that pressure,” ESPNNFL Insider Ron Jaworski told Arizona Sports 620’s Burnsand Gambo. “You would call that ‘cabin fever,’ you feelthat pressure and you get out of the pocket.” Nevada officials reach out to D-backs on potential relocation What an MLB source said about the D-backs’ trade haul for Greinke What happens then is Kolb not seeing open receivers,getting sacked and, when he does get the ball away,sometimes throwing inaccurately. In all, Jaworski said theQB is playing “very, very fast.”The disappointing thing is one would have thought Kolb’splay would improve as the season went on, but sincethrowing two touchdowns in the season opener the 27-year-old has thrown for more interceptions (4) than touchdowns(3).But Jaworski said it would be far too soon to give up onKolb, even if he has been somewhat underwhelming.Kolb has not done well for the Cardinals on a consistentbasis, but it would behoove the team and its fans to havepatience with their new signal caller.“I think eventually he’ll be fine,” he said. “Like mostquarterbacks you have to work through some of theseslumps.“Right now there’s no question he’s in a slump.”And once he breaks out of it?“I think eventually you’re going to have an outstandingquarterback in Arizona.”
Top Stories Washington, for all his success on the field (he led the team with 140 tackles and nine sacks last season), is dealing with two separate issues off the field. In April, he was suspended the first four games of the regular season for violating the NFL’s Policy and Program for Substances of Abuse.A month later, he was arrested and charged with two counts of aggravated assault stemming from an alleged domestic violence incident involving his ex-girlfriend, who is the mother of his baby daughter. The case is pending and Washington was in court Tuesday morning.“He’s been real positive,” Caldwell said. “He understands that he has a situation to go through and that will take care of itself. He just has to be ready to put in the work, which he’s doing; and when he is able to play, be ready to go.”Because he’ll miss the first month of the season (and perhaps longer should the league act on his arrest), Washington has lost his job as starting inside linebacker.“It’s no different than running with the ones,” he said of working with the second unit. “I think we’re all still getting the same amount of reps. My attitude is positive. I’ll just be ready to go when I come back; hopefully it’ll be sooner than later. I’ll be ready to go. Derrick Hall satisfied with D-backs’ buying and selling Former Cardinals kicker Phil Dawson retires GLENDALE, Ariz. — It’s the last place you’d expect to see a Pro Bowl linebacker, running with the second team defense and listed third string on the depth chart.You do expect to see a Pro Bowl linebacker making plays, like Daryl Washington has done in recent days, including a spectacular one-handed interception during the Red & White practice Saturday.“He wanted to put on a show,” linebackers coach Mike Caldwell said. “He comes to work every day and does that. He wants to get better.” “It doesn’t bother me because I understand the situation. Not blaming anyone but myself. I take on the responsibility. But when I come back, I’ll have to just prove myself all over again.”Said head coach Bruce Arians, “I think he knows his mistakes. I’m fine with where he’s at right now.”And right now, Washington is behind Karlos Dansby and Reggie Walker, according to the release of the team’s initial depth chart.“I’m a pretty strong person,” said Washington, who is expected to see greater reps in the preseason. “I always try to take a negative situation and turn it into a positive. I think at the end it’s going to make me a stronger person, overall.” – / 13 0 Comments Share The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Grace expects Greinke trade to have emotional impact
Former Cardinals kicker Phil Dawson retires 0 Comments Share “He’s explosive,” Arizona Cardinals linebacker Karlos Dansby said of Williams. “He’s very decisive in the way he wants to go with the ball. He’s a downhill runner. His ability to one cut and go fits in well with that offensive scheme.”It fits in well, largely because Mike Shula’s unit isn’t solely dependent on Williams’ production. In addition to the former Pro Bowler, the Panthers have a ground-and-pound bruiser in fullback Mike Tolbert (19 rushes for 53 yards and a touchdown), a veteran wide receiver, Steve Smith, who keeps corners and safeties honest (14 catches for 143 yards and a touchdown) and a 6-foot-5 quarterback, Cam Newton, who is as strong as he is fast (16 rushes for 98 yards and a touchdown, including a season-high seven carries for 45 yards in Week 3).“The biggest thing for them is their quarterback,” Cardinals head coach Bruce Arians said. “When you have a quarterback that’s big and strong, it’s like trying to bring down a tight end. When he fakes he makes everyone cautious. You can’t play good run defense cautious. That’s the thing a running quarterback like Cam Newton makes you do.” Top Stories Derrick Hall satisfied with D-backs’ buying and selling Although the Cardinals haven’t gone up against a three-pronged rushing attack like they’ll face Sunday at University of Phoenix Stadium, their ability to stop the run has been a strong point through the first four weeks of the season.Arizona is currently second in the league in rushing defense, allowing 75 yards per game, and has yet to allow a 100-yard performance to any one person in 2013.“We’re just challenging each other,” said Dansby. “We’re challenging each other here in the locker room to be solid and stout against the run, to be accountable, to stand up, do your job and do it well. If we continue to hold each other accountable, we can put performances like [the previous four games] together.” TEMPE, Ariz. — The Carolina Panthers come to town Sunday afternoon with a rather one-dimensional offensive attack. It just so happens, though, that their one dimension — the run game — has been dominant so far this season.Through the first four weeks of 2013, the Panthers have the third-highest rushing average (151.0 yards/game) in the NFL, and running back DeAngelo Williams trails only LeSean McCoy and Adrian Peterson in the same individual category (97.0 rushing yards/game). The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Defensive coordinator Todd Bowles said Thursday that when game planning against Newton and Co. it’s almost a matter of picking your poison.The only problem with that, however, is that Carolina often disguises its various poisons by running the read option.Last season, the Panthers ran a league-high 81 plays out of the read option, and according to STATS, they are on pace to shatter that total this season.So how do you limit a multifaceted ground game?“Any run game, the way to stop it is great penetration,” Cardinals defensive end Calais Campbell said. “Really you have to make them stop and start their feet a bunch. If you get to a running back’s feet and make them change direction, it’s harder for them to continue to make plays.”What if one of those talented backs also moonlights as a 245-pound quarterback who can beat you with his arm (threw for over 400 yards during his last trip to Glendale) and his legs (23 rushing touchdowns in 35 career games) out of the read option?“It’s tough,” said Campbell. “Every team that does the read option is tough. You almost have to put eight men in the box, but that’s when they start using that read option pass to eat you up a little bit. The biggest thing is being disciplined, somebody has the back and somebody has the quarterback. As long as you know who has who, you should be fine.” Grace expects Greinke trade to have emotional impact
Williams, a running back, comes over from the Minnesota Vikings. He was signed by the team as a rookie free agent out of Wagner in May after rushing for 4,435 yards in his collegiate career. Top Stories Derrick Hall satisfied with D-backs’ buying and selling Comments Share The Arizona Cardinals added Christian Tupou, Kevin Cone and Dominque Williams to their practice squad Tuesday.Tupou, a defensive lineman, spent the preseason with Arizona and was released in the final roster cut. Cone, a receiver, spent the preseason with the Miami Dolphins after signing with the team on April 3. He played in 16 games with the Atlanta Falcons last season, and had one catch for 12 yards. He originally entered the league as an undrafted rookie free agent out of Georgia Tech in 2011. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Grace expects Greinke trade to have emotional impact Former Cardinals kicker Phil Dawson retires
Grace expects Greinke trade to have emotional impact • Former Cardinals WR Roberts found his place in Washington (The Washington Post)Wide receiver Andre Roberts spent his first four seasons with the Cardinals, proving valuable as a smaller option opposite bigger guys like Larry Fitzgerald and Michael Floyd. But in his first season with the Redskins, Roberts has found his true role in the slot and as a top third-down option.• The Redskins still don’t know their identity (Bleacher Report)There is an immense amount of talent in Washington, maintaining the core parts of a team that went to the playoffs in 2012. But with various injuries to starters and some residual panic after a bad finish in 2013, Washington still does not know its identity on either side of the ball. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Former Cardinals kicker Phil Dawson retires The Washington Redskins are much more acquainted with the losing feeling. Washington dropped to 1-4 after a 27-17 defeat to the Seattle Seahawks on Monday night, having lost 12 of their last 13 games going back to last season.The Cardinals and Redskins are set to play this week for the first time since Week 2 in 2011, when Washington beat the Cardinals, 22-21. Expect a much different look to the game this time, as quarterback Kevin Kolb led a Ken Whisenhunt-coached Arizona team against quarterback Rex Grossman and Mike Shanahan’s Redskins in that last matchup.Before Sunday’s duel in Arizona, we’ll be going behind enemy lines to give you all the updates from Washington’s side of things: Thursday, October 9• Offense is crucial to the defense creating more turnovers (CSN Washington)The Redskins currently rank as one of the worst teams in the NFL at capitalizing on fumbles and badly thrown passes, with four forced turnovers through five games. Scoring points and taking the lead on offense may be the key to fixing this problems, as team’s force more turnovers win they are winning a game.• Trent Murphy is quietly creating sacks for Washington (The Washington Post) Saturday, October 11• Washington seeks to avoid widespread mistakes (The Washington Post)The Redskins have done a fine job of beating themselves this season, whether by penalties, turnovers or poor special teams play. Coach Jay Gruden will need to correct those preventable mistakes in order for Washington to end its three-game losing streak.• Redskins paring down penalties (The Washington Post)Washington has taken too many penalties so far this season, but the team appeared to turn the corner in that area against the Seattle Seahawks last week. The Redskins will look to keep the yellow flags off the field in Glendale on Sunday. • Washington Redskins leaders laughing, while on-field performance remains a joke (Washington Post)For a 1-4 team that went 3-13 last season, Washington was much too upbeat, and that should scare Coach Jay Gruden. Although the Redskins have holes throughout their roster, their performance in the locker room revealed a problem even bigger than starting Brandon Meriweather at safety: Unless Gruden changes the team’s culture, he has no chance at succeeding.• Redskins work to wipe clear the implication that losing is acceptable (Washington Post)Head coach Jay Gruden is not one that ever accepts losing. With a 1-4 start to the season and the upbeat reaction to Monday’s loss against the Seahawks, Gruden needs to make sure his players feel the same way. In order to escape the rut, the Redskins need to cultivate a winning culture and a strong identity. • Washington delusional in their moral victory (The Washington Post)The Redskins celebrated after three Seahawks’ touchdowns were called back due to penalties and remained upbeat, despite a 10 point loss. Washington should learn from the loss, rather than accept their hard work as a comparable consolation prize for defeat.• Redskins needs to start RGIII if he’s healthy (The Washington Post)The decision is only getting more difficult for Redskins head coach Jay Gruden, as quarterback Robert Griffin III gets closer to being healthy and Kirk Cousins continues his inconsistent performances. With the team already financially invested in Griffin, Washington needs to give the quarterback one more shot as the starter. Coming off of a loss is a new feeling to the Arizona Cardinals in 2014.The team won its first three games of the season before falling on Sunday to the Denver Broncos, 41-20.The loss on the scoreboard was bad, but the injuries to the team could be much worse for Arizona. Defensive end Calais Campbell, linebacker Matt Shaughnessy, cornerback Patrick Peterson, and backup quarterback Drew Stanton all went down during Sunday’s game, adding to an already novel-length list on the team’s injury report. Tuesday, October 7• Ten observations from Monday’s Washington-Seattle game (ESPN.com)Despite the loss, the Redskins remained surprisingly upbeat about their situation and optimistic for what’s to come in Washington. • QB Cousins shows improvement against Seattle (CSN Washington)Coming off of a four interception performance in Week 4, Kirk Cousins technically could only improve in Week 5, except for the matchup against Seattle’s vaunted defense. But Cousins showed he could bounce back against any team, throwing for 283 yards, two touchdowns and no interceptions, despite the loss. Derrick Hall satisfied with D-backs’ buying and selling • Daniel Hudson ‘pumped’ to watch the Redskins play (Redskins.com)The Arizona Diamondbacks pitcher is a Virginia native and a Redskins fan. He tweeted out a picture of his tickets to Sunday’s game and asked Arizona fans to “go easy” on him. Defensive end Trent Murphy was drafted in May to create havoc for opposing offenses, but the rookie has not recorded a sack yet. But through special stunts and constant double teams, Murphy is helping his teammates get to the quarterback.• Defense needs to improve at stopping third-and-short situations (CSN Washington)Teams earn a first down the majority of the team when they have short yardage on third down, but the Redskins have been extra generous in that area this season. Washington needs to make it much harder for teams to pick up a first down than the 71.4 percent that they are allowing on third-and-short.• LB Compton is preparing for his first start this week (Redskins.com)Linebacker Perry Riley Jr.’s status is still unknown as he battles a knee injury, and Will Compton is ready to step up for the team. The second-year linebacker has been taking snaps with the first time in practice this week, and is currently preparing like he is Sunday’s starter.• Redskins claim that they are committed to winning (The Washington Post)Since Washington’s 10-point loss on Monday night, the story surrounding the team has been about their lack of a negative reaction to the defeat and nonchalance in the effort. This is not the case though for the Redskins, as they were upset by the outcome and are firmly focused on earning a win Sunday against Arizona. Friday, October 10• This season is looking similar to 2013 in Washington (The Washington Post)The Redskins beat a bad team, played in some shootouts, and their defense wasn’t able to keep it together against good offenses. This could describe 2013 or 2014 for Washington, as the Redskins are in dangerous shape to repeat their previous 3-13 season.• Washington must exploit Arizona’s blitzes (ESPN.com)The Cardinals blitz the quarterback quite often, although their pass rush doesn’t always get to the passer and allows opposing teams to excel in these situations. To win on Sunday, Washington quarterback Kirk Cousins must take advantage of Arizona’s depleted pass rush.• Gruden making early roster overhauls in Washington (CSN Washington)Through five games, the Redskins have already used 55 different players, the fourth-highest total in the NFL. With many long-term injuries and changes to the starters on offense and defense, coach Jay Gruden is making all the moves he can to improve Washington. Wednesday, October 8• Redskins promote Jackson Jeffcoat (ESPN.com)Jeffcoat, whose dad is ex-Dallas standout Jim Jeffcoat, had been on Washington’s practice squad since early September. He was an undrafted free agent who was cut in late August by Seattle. The Redskins only had three outside linebackers on the active roster before this move. Jeffcoat was mostly a defensive end at Texas, so he’s still learning to play from a stand-up position.• Jay Gruden concerned with Perry Riley’s knee (ESPN.com)Riley sprained his left medial collateral ligament in the second half of Monday’s 27-17 loss to Seattle. He was replaced by linebacker Will Compton, in his first season after spending last year on the practice squad. • Need to Know: Five Redskins vs. Cardinals questions (CSN Washington)Here is what you need to know on this Wednesday, October 8, four days before the Washington Redskins go to Arizona to play the Cardinals.• Third down conversions looming as a major issue for Redskins offense (CSN Washington)After getting first downs on just three of 12 third-down situations (25 percent conversion rate) on Monday night against the Seahawks, the Redskins have now converted 34.4 percent of them on the season, tied for 25th in the NFL. Comments Share Top Stories
The Bucs and Cardinals are in different places roster-wise. Tampa Bay is up-and-coming and hoping to contend. Arizona fields a lot of veteran talent looking for a last shot at making a Super Bowl run. Regardless, there are going to be some great athletes on the field on Sunday afternoon. Which five can most impact the game’s final score?• The Bucs aren’t good enough to be the best in the division (Bucs Nation)The reality is that the Buccaneers aren’t the best team in the division, and they’re not even close right now. They’ve struggled to get to 2-2 against a fairly weak schedule and while they haven’t been bad, they’ve been disappointing—and nowhere near the best team in the division.Wednesday, October 11• Series History: Buccaneers-Cardinals (Buccaneers.com)The Buccaneers have a chance to tie the all-time series with Arizona with a win on Sunday, which would also represent some payback after a lopsided loss in Glendale a year ago.• Justin Evans Speeding Up Again (Buccaneers.com)An offseason injury cost rookie S Justin Evans developmental time and slowed his integration into the defense, but he looked up-to-speed in his first start last week and is ready to contribute more. All things considered, 2-2 is an okay place for the Bucs to be right now. There are some winnable games coming up over the next few weeks. Tampa Bay needs to take advantage, starting on Sunday in Arizona against the struggling Cardinals.Saturday, October 14• Bucs-Cardinals: Tampa Bay Times staff predictions for Sunday’s 4:05 p.m. game (Tampa bay Times)For the past couple of years, the Bucs have lost games they should win. This feels like one of those games. Tampa Bay is better than Arizona. But something feels off about this one. Bucs struggle and lose.• Buccaneers: Five Bucs to watch in week six versus Cardinals (The Pewter Plank)If the Bucs are going to walk out of Arizona with a win, they will need to shut down the trio of receivers that Arizona has. Larry Fitzgerald, J.J. Nelson and Jaron Brown will attempt to put on an aerial attack versus the Bucs Sunday, can they handle the heat?• Buccaneers-Cardinals Scouting Report: Keep your head on a swivel, Jameis (Tampa Bay Times)How Winston responds Sunday will tell us quite a bit about his progression. When the teams met last season, Arizona’s blitz derailed the young quarterback, who was starting just the 18th game of his career. In the 40-7 loss, Winston completed half of his passes, threw four picks and posted a 39.2 rating. It stands as the worst game of his career. Derrick Hall satisfied with D-backs’ buying and selling • Buccaneers Injury Report, October 11 (Buccaneers.com)The Buccaneers’ injury-plauged defense could be getting some support this weekend, partictularly at linebacker. Both Lavonte David and Kwon Alexander returned to practice on Wednesday, as did safety T.J. Ward. Here is the Buccaneers’ full injury report:• Cardinals’ Bruce Arians sees ‘unbelievable potential’ in Jameis Winston (Tampa Bay Times)Winston’s lowest-rated effort in his 36 career games came in last year’s loss at Arizona — a 39.8 rating, matching his career high with four interceptions with only one touchdown pass in 52 attempts. Winston only has three interceptions in his first four games this season — none in the last two — and Arians likes what he’s seen.• Gerald McCoy: ‘Uproar’ would result if NFL players can’t protest during anthem (Tampa Bay Online)NFL commissioner Roger Goodell sent a memo to all 32 team owners on Tuesday, saying a proposal would be discussed at next week’s league meetings that would require all players to stand during the anthem. Other Bucs players on Tuesday expressed their appreciation for the freedom that the Bucs — both from the Glazer family that owns the team to coach Dirk Koetter — allowed players to express themselves as they wanted on the issue. All week long, we’ll take you to Tampa Bay to give you an inside look at what’s happening with the Buccaneers as they prepare to face the Cardinals.It’s Behind Enemy Lines…Sunday, October 15• Buccaneers Film Study: Watching the 2017 Arizona Cardinals (The Pewter Plank)For the Buccaneers and Cardinals, these are two very different franchises than when they met last season.One is expected to be on an upward swing, while the other is starting to descend after looking like a Super Bowl contender not too long ago.• Lavonte David expected to make return from ankle sprain (ESPN NFL Nation)In Week 3 against the Minnesota Vikings, David was carted off the field with a medial ankle sprain, forcing him to miss games against the New York Giantsand New England Patriots.• Buccaneers game plan: Attacking and defending the Cardinals (The Pewter Plank)The Bucs’ offensive line has played well above average in pass protection thus far this season. If that trend continues and quarterback Jameis Winston doesn’t repeat the 4 interception game from a year ago. Their passing game should have no problem keeping the chains moving and getting into the redzone.• Buccaneers at Cardinals: Preview, broadcast info for Week 6 (The Pewter Plank) • Bucs eager to erase bad feelings after ’embarrassing’ loss to Cardinals last year (ESPN NFL Nation)If you ask around the Tampa Bay Buccaneers’ locker room, the Arizona game in Week 2 last year is still somewhat of a sore subject. They turned the ball over five times and lost 40-7. Quarterback Jameis Winston threw four interceptions.• Buccaneers: First quarter awards for the 2017 season (The Pewter Plank)Through their first four games, there’s been obvious winners during that span. Winning comes with accolades and awards. Let’s look at those players and what you can look forward to from them during the second quarter of football.• Buccaneers: A litmus test in Arizona (The Pewter Plank)With the first quarter of the season completed the Buccaneers now have to prove whether they’re the same mediocre team from last year, or an improved playoff competitor. Against the Cardinals on Sunday they can show how far they’ve come. Unless they’ve managed to bleach their memory clear of it, I doubt many Buccaneer fans have forgotten what happened in week two of last season.• Buccaneers at Cardinals: Five game-changing players for Week 6 (The Pewter Plank) • Buccaneers Round Table: Offensive Keep, Trade, and Release (The Pewter Plank)Trade one, cut one, and release one.For this, we’re starting with the offense, and the candidates are Jameis Winston, Mike Evans, and Doug Martin.Each writer has been presented this premise. They each had to come up with their selections and reasons why they’d trade, cut, release each of these three players.Friday, October 13• Bucs return to scene of their worst 2016 loss (Tampa Bay Times)“Last year was unfortunate for us,” said quarterback Jameis Winston, who had a career-high five turnovers, including four interceptions, in what remains the lowest-rated game of his three-year NFL career. “The turnovers kind of put us out of it. … Turning the ball over was the biggest part.”• Bucs journal: Rookie O.J. Howard has good memories of Cardinals’ field (Tampa Bay Times)The Bucs have a rough recent history at the Cardinals’ University of Phoenix Stadium, losing 40-7 there last year, but one Tampa Bay player has great memories of playing on that field.Rookie TE O.J. Howard had a breakout game in the national championship game against Clemson in January 2016, catching five passes for 208 yards and a pair of long touchdowns — 53 and 51 yards — in Alabama’s 45-40 win. Former Cardinals kicker Phil Dawson retires After a blowout loss to the Philadelphia Eagles in Week 5, the Arizona Cardinals (2-3) will try and get back to the .500 mark when they host the Tampa Bay Buccaneers at University of Phoenix Stadium on Sunday.The Buccaneers (2-2) dropped a close game to the New England Patriots, 19-14, at home last week. Quarterback Jameis Winston completed 26 of 46 pass attempts for 334 yards and one touchdown, and running back Doug Martin carried the ball 13 times for 74 yards and a touchdown. The Bucs’ defense held Tom Brady to one touchdown and one interception. 2 Comments Share Tampa Bay Buccaneers head coach Dirk Koetter and Tampa Bay Buccaneers quarterback Jameis Winston (3) during the first half of their NFL football game against the Kansas City Chiefs in Kansas City, Mo., Sunday, Nov. 20, 2016. (AP Photo/Reed Hoffmann) With the Bucs 2-2 through the first quarter of their season, we asked the Tampa Bay Times‘ coverage team for the biggest reasons to believe in Tampa Bay so far.• Will Bucs benefit from mini bye after Thursday Night Football? (Tampa Bay Times)We only talk about the value of a mini bye after a team wins. When the team wins, it’s because of the corrections and adjustments it made during the break. When it loses, it just continued to play bad football.• Pass-rush help? Bucs taking look at DE Lamarr Houston (Tampa Bay Times)The Bucs have only four sacks in their first four games — three came in Thursday’s loss to the Patriots — and the pass rush may have taken another hit as Ryan Russell dislocated his shoulder in Thursday’s game. There has been no word on any additional damage that may have been sustained in the injury.• Bucs offense showing balance in passing game (Tampa Bay Times)The Bucs’ early game Thursday night put them back even with all but two NFL teams in playing four games each entering Sunday, and as a statistical quirk, the Bucs have four players with at least 200 receiving — Mike Evans (276), DeSean Jackson (249), Adam Humphries (207) and Cameron Brate (205). Only one other NFL team can boast that — the Patriots, who have five such players but have also now played five games. Top Stories Grace expects Greinke trade to have emotional impact The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo • Doug Martin feels like he’s ‘back home,’ and that’s good news for Bucs (ESPN NFL Nation)Between his performance Thursday night and in the preseason — when, at one point, he was averaging 6.0 yards per carry — imagine how much more juice Martin can give, especially next week against an Arizona Cardinals defense that ripped Winston to shreds last season with four interceptions. • Patrick Murray brings familiar face, fresh perspective to Bucs’ kicking game (ESPN NFL Nation)Murray rejoined the Bucs this week. It didn’t matter to him that the last two kickers who came through Tampa Bay — Nick Folk, who was released on Monday, and Roberto Aguayo, who was waived during the preseason — struggled miserably.• Bucs sign DE Larry Webster to practice squad and make more moves (Bucs Wire)The Tampa Bay Buccaneers are in the midst of plenty of roster moves this week. The Bucs signed Patrick Murray to become Nick Folk’s new replacement and on Tuesday, the Bucs signed defensive end Larry Webster to the practice squad. In the corresponding move, the Buccaneers parted ways with fullback Austin Johnson.Tuesday, October 10• Bucs Bring Back K Patrick Murray (Buccaneers.com)On Monday, the Buccaneers signed Murray, who most recently kicked for the Cleveland Browns last fall, to replace kicker Nick Folk. Folk was placed on injured reserve with a “minor injury” classification. Murray gets a second go-around with his first team after handling the Buccaneers’ kicking duties during the 2014 season.• Bucs Quarterly Report: Reasons to believe (Tampa Bay Online) • ‘Tampa Curse’? Bucs’ notorious kicking woes more complicated than that (ESPN NFL Nation)From the time general manager Jason Licht boldly traded into the second round of the 2016 NFL draft for Roberto Aguayo to Aguayo’s well-documented struggles to the subsequent struggles of replacement Nick Folk, no team has drawn more attention or scrutiny for its kicking woes than the Tampa Bay Buccaneers.• Bucs not surprised by success of rookie safety Justin Evans (ESPN NFL Nation)It was the type of moment Tampa Bay Buccaneers rookie safety Justin Evans dreamed about. The first series of his first NFL start. A prime-time game against Tom Brady and the New England Patriots. A badly overthrown pass intended for Chris Hogan. Evans pounced on it for the first interception of his NFL career.• The Buccaneers need to run the ball more (Bucs Nation)The Tampa Bay Buccaneers once again struggled to produce points on offense against the New England Patriots, a defense that was terrible in the prior weeks.Thursday, October 12• 2017 NFC playoff picture: What are the Buccaneers’ chances? (Tampa Bay Times)Now that the Buccaneers are 2-2 and a quarter of the way through the regular season, it’s time to check in on the rest of the NFC. What does Tampa Bay’s path to the playoffs look like? Let’s size up the competition (playoff odds courtesy of Football Outsiders).
Grace expects Greinke trade to have emotional impact “I saw the very jail cell where he was held as a POW and I tried to imagine what it must have been like to be him,” Fitzgerald said in the letter. “Then, I read the testimony from some of the other POWs. When Senator McCain refused to be released from the prison camp until his fellow soldiers were freed as well, he earned the respect of all those men going through hell.“After hearing all this, I was astounded by the quality of human being he was.”The 2016 Walter Payton Man of the Year Award winner and the senator have grown close over the past five years, according to Fitzgerald, who said that McCain had given him a private tour of the U.S. Senate.Fitzgerald called the tour “tremendous,” admitting that he was not familiar with politics, but wants his young sons to one day understand and appreciate the history.Though, out of all of the conversations the two have had, Fitzgerald says they have never spoken about the senator’s time in Vietnam.Because of my relationship with Senator McCain and his wife, Cindy, I knew many of the stories about his service in Vietnam and was curious to learn more. Everyone in Arizona knows a little something about it, but I wanted to know more about what happened to him over there.The most meaningful part of the trip was seeing the spots related to Senator McCain’s experience. I went to the lake where he was shot down and I learned about how he was captured. On Oct. 26, 1967, he was flying his 23rd mission as a Navy pilot, set to drop bombs on a site in Hanoi. The North Vietnamese fired a missile at his plane and hit one of the wings. When Senator McCain was hit, the plane went into a spin and was going to crash. He bailed out, and went crashing into Truc Bach Lake just outside of Hanoi. His left arm was broken. His right arm was broken in three places. His right leg was broken. He was in such pain when he fell into the lake that he almost drowned. He had to inflate his life vest with his teeth because he couldn’t use his arms.The suffering that McCain endured while in Vietnam is something that Fitzgerald admits to have thought about a lot, and especially now as the senator endures yet another battle. In a time of joy and celebration, U.S. Sen. John McCain (R-Ariz.) was on the mind of Arizona Cardinals wide receiver Larry Fitzgerald.Fitzgerald wrote a letter to Sen. McCain, touching on all McCain has done for him as a friend, supporting him and the rest of the Arizona Cardinals at practices and games.More importantly, Fitzgerald highlighted the sacrifices the senator made for the United States when he was taken as a prisoner of war in Vietnam. Former Cardinals kicker Phil Dawson retires Derrick Hall satisfied with D-backs’ buying and selling 5 Comments Share Sen. McCain was diagnosed with glioblastoma in July, a rare and aggressive form of brain cancer. The typical survival period after a diagnosis is 12 to 15 months, though a small percentage live longer than five years.McCain had the growth removed, but in November, doctors found another growth in the same location as the first. The senator’s decline in health caused him to miss the vote for the new GOP Tax Plan, but does plan to return to Washington in January should his health improve.Fitzgerald offered his support for his friend, saying he will “wish him a Merry Christmas today, and I pray he lives another 20 years.”“I know this: As soon as my boys are of age, I’ll tell them stories about the quality of the man I’ve gotten to know,” he added. “I’ll tell them: Senator John McCain will be revered and respected for as long as the United States of America has a place in this world, and his legacy will outlive us all.“My prayers are with you, my friend.” The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Top Stories