Previous: Quicken Loans Officially Files for IPO Next: How Times of Crisis Cause Stress on Minority Homeowners July 8, 2020 1,736 Views Electronic Communications With BorrowersThe FAQs affirm that servicers may send servicing notices in electronic form and are subject to the requirements of the Electronic Signatures in Global and National Commerce Act. in Daily Dose, Featured, News, Print Features Demand Propels Home Prices Upward 2 days ago Thomas Grundy, CRCM, is senior director, U.S. Advisory Services for Wolters Kluwer. He has 34 years of combined experience as a former regulator, compliance professional, and consultant. Grundy launched his career as an examiner for the Office of the Comptroller of the Currency and later served as an oversight examiner for the Federal Reserve Board in Washington. In addition, he has served as a compliance officer for fintech and traditional banking and financial services organizations. In his current role, he advises banking, credit union, mortgage, student lending, and financial technology clients. Consumer Right to Request ForbearanceSection 4022 of the Act provides that a borrower experiencing financial hardship due to the COVID-19 pandemic can request forbearance for a federally backed mortgage loan, regardless of delinquency status. This process occurs through the submission of a request by a borrower to the servicer of his or her mortgage affirming that he or she is experiencing a financial hardship during the COVID–19 emergency. Upon this request by a borrower, the servicer is required to grant forbearance for up to 180 days. The servicer shall extend the duration of the forbearance for an additional period of up to 180 days.Upon receiving a request for forbearance from a borrower, the law provides that a servicer shall grant the request with no additional documentation required other than the borrower’s attestation to a financial hardship caused by the COVID–19 emergency. The law explicitly provides that during the period of forbearance “no fees, penalties, or interest beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract” can be assessed on the borrower. Servicers should be careful to comply with this prohibition. Governance processes and system-driven controls must ensure that no fees, penalties, or interest beyond the amounts scheduled or calculated—as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract¬—are charged.These controls must remain fully established in connection with the 180-day forbearance period, as well as an extension for an additional period of up to 180 days, provided that the request is made during the covered period (although not specifically defined in the law, it presumably means during the original 180-day period) and that at the borrower’s request, either the initial or extended period of forbearance may be shortened. The Best Markets For Residential Property Investors 2 days ago Payoff StatementsThe FAQs address the question of whether servicers can take more than seven business days to provide a payoff statement due to operational challenges brought on by the pandemic. The FA Q s state that while the servicer does not need to provide the statement within seven business days, it should be provided within a “reasonable time.” Short-Term Loss Mitigation OptionsRegulation X generally requires servicers to obtain a complete loss-mitigation application before evaluating a mortgage borrower for a loss-mitigation option, such as a loan modification or short sale. However, the FA Q stipulate that CARES Act forbearance qualifies as a “short-term repayment forbearance program” under Regulation X. A servicer may offer a short-term payment forbearance program or a short-term repayment plan to a borrower, based upon an evaluation of an incomplete loss mitigation application. The FA Q s go a step further in stating that a servicer may offer any loss-mitigation options to a borrower who has not submitted an application at all. The FA Q s address communications requirements associated with short-term payment forbearance. The FAQs provide that “until further notice” servicers will not be cited in an examination or that the agencies intend to take supervisory or enforcement action for failing to provide acknowledgement notice within the five days of application for forbearance. The only qualifier is that servicers should make a good faith effort to provide notices and take the related actions within a reasonable time.Subsequent notices provided to the borrower provide information detailing the specific payment terms; duration of the program or plan; that the program or plan is based on an evaluation of an incomplete application; that other loss mitigation options may be available, and that the borrower has the option to submit a complete loss-mitigation application to receive an evaluation for all available options, regardless of whether the borrower accepts the short-term program or plan. Servicers are required to provide the second communication in cases where the borrower remains delinquent near the end of the forbearance program or repayment plan. The servicer must contact the borrower prior to the end of the forbearance period and determine whether the borrower needs to complete the loss-mitigation application and proceed with a full loss-mitigation evaluation. The CFPB allows servicers the flexibility to add language to the subsequent notices to clarify why they are offering short-term options and to help avoid borrower confusion. The FA Q s state that servicers are under no requirement to tailor the first or second communications and may use similar content to conserve resources during the pandemic. Early Intervention Requirements Four questions relative to early intervention requirements are addressed in the FA Q s. The first two questions address whether servicers are required to comply with live contact requirements and early intervention written notice requirements, and they clarify the associated timelines in Regulation X, 12 CFR 1024.39(a) and (b). Similar to the agencies’ position on notifications, compliance with live contact and provision of the 45-day letter is generally expected. The FA Q s clarify that the agencies have agreed that they do not intend to cite in an examination or bring an enforcement action against servicers for delays in establishing or making good faith efforts to establish live contact and provide written notice.The focus during the pandemic is on “good faith efforts” which, the FA Q s clarify, consist of “reasonable steps, under the circumstances” that are defined as “calling the borrower on more than one occasion or sending written or electronic communication encouraging the borrower to establish live contact with the servicer.” The FAQs also contextualize what might constitute good faith, suggesting that the servicer should consider the length of a borrower’s delinquency, as well as a borrower’s failure to respond to a servicer’s repeated attempts at communication. Servicers will be considered in compliance with the early intervention live contact requirements if the servicer has established and is maintaining ongoing contact with a borrower under the loss mitigation procedures. The FAQs remind that live contact requirements are not applicable when a borrower is performing as agreed under a loss mitigation.The third and fourth questions address whether a servicer must comply with early intervention, live contact, and written notice requirements if the borrower is participating in CARES Act forbearance. The FAQs explain that the answers to these questions depend on circumstances, noting that borrowers can request a CARES Act forbearance regardless of delinquency status. More direct to the point here is that if the borrower is delinquent, the servicer must comply with early intervention requirements. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Continuity of Contact RequirementsThe FA Q s recognize that servicers may experience customer service call center staffing challenges due to the pandemic. As such, assigning a “single point of contact” to each delinquent borrower may prove difficult. The FA Q s grant some flexibility on this requirement, stating that “servicers must maintain policies and procedures reasonably designed to assign personnel to a delinquent borrower that can assist the borrower with loss mitigation options” and that a “servicer has discretion to determine whether to assign a single person or a team of personnel.” Is Your Program CARES Act Compliant? Move for foreclosure judgment or order of sale or conduct a foreclosure sale in the case of a borrower who is performing pursuant to the terms of a loss mitigation agreement.The FAQs also remind that small servicers are subject to and must comply with the payoff statement provisions in Regulation Z, 12 CFR 1026.36(c)(3). 2020-07-08 Mike Albanese Subscribe Annual Escrow StatementThe FAQs, in response to the question of whether servicers must conduct the annual escrow analysis and send annual escrow statements required by Regulation X, stipulates that the answer is yes. This response recognizes that escrow statements may generate call volume and contribute to borrower anxiety. As with earlier questions, the agencies do not intend to cite in an examination or bring an enforcement action against servicers for delays in sending the annual escrow statement—provided servicers make a good faith effort within a reasonable time. The agencies suggest that servicers inform the borrower that they are forgoing collection for several months on any shortage or deficiency. The FA Q s provide a reminder of the exemption from providing an annual escrow account statement when a borrower is more than 30 days past due. For borrowers who are subsequently reinstated and return to current status, servicers must provide a history of the account since the last annual statement within 90 days of the account’s reinstatement date to current status. Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Provide the first notice or filing required to foreclose if a borrower is performing pursuant to the terms of a loss mitigation agreement; and Servicers Navigate the Post-Pandemic World 2 days ago About Author: Thomas Grundy, CRCM Related Articles Agency Guidance Factors into the EquationOn April 3, the Joint Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act was released. This was a joint statement by the Consumer Financial Protection Bureau (CFPB), Board of Governors of the Federal Reserve System, Federal Deposit Insurance Corporation, National Credit Union Administration, Office of the Comptroller of the Currency, and Conference of State Bank Supervisors whereby they formally recognized the serious impact of the COVID-19 emergency on consumers and on the operations of many supervised entities, including mortgage servicers. The agencies stated an understanding that the COVID-19 crisis could impose temporary business disruptions and staffing challenges, thereby impeding the ability of lenders and servicers to assist consumers.Moreover, the agencies are emphasizing the potential for consumer confusion about how to access and exercise options offered by mortgage servicers. In issuing the Joint Statement, the agencies clarified the application of the mortgage servicing rules under Regulation X and established expectations for supervision and enforcement relative to the rules on short-term options as the industry works through the covered period. Coinciding with the release of the Joint Statement, the CFPB issued it’s Mortgage Servicing Rules FAQs related to the COVID-19 Emergency. The FA Q s support the Joint Statement by addressing common questions and themes. While not a substitute for Regulation X, Regulation Z, or the associated official interpretations, the FA Q s provide focus for helping servicers managing burgeoning requests from borrowers for help. This story originally appeared in the July edition of DS News. The COVID-19 pandemic has thrust the world into an unimaginably difficult situation. Though authors of science fiction may try, no one could have fully anticipated the scale and speed with which the pandemic would impact the economy. For mortgage lenders and servicers, the pandemic will prove to be a test of business continuity planning while managing processes and regulatory changes in real time, all while maintaining fairness and compliance across all aspects of day-to-day operations.The CARES Act (Pub. L. No. 116-136) was enacted on March 27, 2020, to provide financial assistance and other types of relief as the negative economic impact of the COVID-19 pandemic set in across the country. The consumer finance provisions under Title IV of the Act directly address helping Americans struggling to make mortgage payments due to the economic slowdown caused by the pandemic. These provisions cover “federally-backed mortgage loans,” which are defined under the Act as any loan that is secured by a first or subordinate lien on residential real property designed principally for the occupancy of from one-to-four families that is:insured by the Federal Housing Administration or under the National Housing Act;guaranteed or insured by the Department of Veterans Affairs or the Department of Agriculture; orpurchased or securitized by the Federal Home Loan Mortgage Corporation or the Federal National Mortgage Association. For servicers of mortgages not covered by the CARES Act, the provisions of the Act serve as guidance applicable to servicers helping millions of borrowers with covered loans. Given the profound impact of the pandemic across all sectors of the economy and its 24-hour coverage in the news, consumers are aware of the assistance made available by theHowever, awareness of important details is generally lost on the average consumer. Thus, for servicers of non-federally backed mortgages, it is likely that the calls will come in large volume from borrowers seeking help from loan servicers. Helping borrowers stay in their homes and maintain their lives generally yields a positive outcome over the long haul for borrowers, lenders, local economies, and the government. Data Provider Black Knight to Acquire Top of Mind 2 days ago Foreclosure MoratoriaSection 4022(c)(2) of the Act further provided that servicers of federally backed mortgage loans could not initiate any judicial or nonjudicial foreclosure process, move for a foreclosure judgment or order of sale, or execute a foreclosure-related eviction or foreclosure sale for not less than the 60-day period beginning on March 18, 2020, which has been extended by federal housing agencies until August 31, 2020. The Act provided an exception for a vacant or abandoned property. It is always prudent to closely monitor foreclosure and collection policies, procedures, and actual practices to ensure fairness and appropriate customer treatment at all times. Exemptions for Small ServicersTo the question of whether small servicers are subject to the requirements, the FA Q s provide that small servicers do not have to comply with the early intervention and continuity of contact requirements. Small servicers must comply with the foreclosure restrictions of Regulation X, 12 CFR 1024.41(j), as well as the escrow requirements of Regulation X, 12 CFR 1024.17. With respect to foreclosure restrictions, the FAQs make it clear that small servicers shall not:Provide the first notice or filing required to foreclose, unless theBorrower’s mortgage loan obligation is more than 120 days delinquent, Trying Times These are truly unprecedented times. Consumers are facing difficult choices. As the Joint Statement underscores, mortgage servicers play a vital role in assisting consumers in providing options for paying their mortgages. The current crisis presents potential financial challenges to borrowers; the CARES Act Section 4022 and 4023 are intended to provide some measure of related relief. However, there is a risk of confusion for borrowers, lenders, and mortgage servicers. The flexibility that the agencies can offer pursuant to the Joint Statement, and as further clarified by the CFPB’s FA Q s, helps to reduce the immediate regulatory risk and pressure. The focus is on making a good faith effort to respond to the needs of borrowers.However, mortgage servicers must make certain that their existing Regulation X related compliance practices for loss mitigation are appropriately modified in light of the guidance set forth in the Act and the guidance published by the agencies. Given the stress of the times we’re living through, it is vital to not lose sight of the fact that these efforts must be fulfilled in a fair and responsible manner. Through reasonable efforts to maintain a tone of fairness and compassion; to ensure that governance is up to date with regulatory guidance; that processes and system controls are in alignment; and that reasonable monitoring of workflows and production output is conducted, the mortgage servicing industry can and must move forward. While resources may be stressed, keep an eye to the future, knowing that the metrics of the current period will tell the story of the good faith effort made.DISCLAIMER: The information and views set forth in this piece are general in nature and are not intended as legal or professional advice. Although based on the law and information available as of the date of publication, general assumptions have been made by Wolters Kluwer Financial Services that may not take into account potentially important considerations to specific businesses. Therefore, the views and information presented in this feature may not be appropriate for you. Readers must also independently analyze and consider the consequences of subsequent developments and/or other events. Readers must always make their own determinations in light of their specific circumstances. Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Print This Post Demand Propels Home Prices Upward 2 days ago Home / Daily Dose / Is Your Program CARES Act Compliant? The Best Markets For Residential Property Investors 2 days ago Foreclosure is based on a borrower’s violation of a due-on-sale clause, orServicer is joining the foreclosure action of a superior or subordinate lienholder The Week Ahead: Nearing the Forbearance Exit 2 days ago
Saint Mary’s senior Grace Erving traveled to Kolkata, India, this summer to participate in a missionary program with the Missionaries of Charity. The social work major made the trek to India with only a travel backpack, spending one month serving the dying and destitute at Prem Dan, one of the Missionaries of Charity’s six facilities in Kolkata. Prem Dan, meaning ‘Gift of Love,’ specifically caters to the needs of the elderly and dying in the poorer areas of the city. “These women come to Prem Dan because they have been abandoned by their families and have nowhere else to go. Most people come to Prem Dan in a really bad state, and it’s incredible to see how they progress to become so happy,” Erving said in an email. The daily routine allowed Erving to connect with both her fellow volunteers, as well as the wider community. “Every day we would go to Mass with the sisters. Mass felt homey and reverent since they always took their shoes off before entering the sacred space,” she said. “After, all the volunteers would eat together and head to our assignments. Every day I walked through the slums. People on the streets recognized who we were and where we were going, so they would greet us every morning and try to speak English to us.” It was in the tiny acts of service, she said, that allowed her to connect with the women at Prem Dan.“Every morning we would go make beds and wipe everything down. Since some people can’t get out of bed, we would go back and make sure we fed them,” Erving said. “I think this was the most rewarding thing we did. It’s an incredibly humbling experience to feed them and just sit and be with them.” For Erving, being able to help provide both material and emotional support for these women was one of the greatest lessons. “It’s one thing to feed someone’s material needs and give them a bed, food and water. But people thirst for that intimacy and proximity to people,” she said. “As Christians, we are called to see Christ in everyone, and by sitting and feeding people you don’t even know, you start to see Christ in them.”While the trip wasn’t without its challenges, Evring said it ended up being one of the most transformative experiences. “While there was a language barrier at first since I didn’t speak Bengali, I ended up learning to communicate in ways I didn’t think I could before,” she said. “The women there were awesome. It was such a gift to just be able to go and spend time with them.”Erving said the greatest lesson she learned was how much your heart can open up to a new experience. “After doing something like this, your heart grows in its capacity to love,” she said. “The world is not scary at all. People are people. There are good people wherever you go. You will find so many people along the way when you just open yourself up to the possibility of going and seeing how it goes.” Tags: India, Prem Dan, Saint Mary’s College, summer abroad
The National Rifle Association of India (NRAI) drew flak from veteran shooters Abhinav Bindra and Anjali Bhagwat after a dozen members of the Indian shooting squad were detained at the Indira Gandhi International (IGI) Airport for more than 13 hours as the customs department did not clear their weapons.The shooters were returning from the Plzen Grand Prix shooting competition in the Czech Republic and were asked to stay at the airport by the customs department.Criticising the incident, Beijing Olympics gold medallist Bindra put out a series of tweets, asserting that the shooters are the ambassadors of the country and questioned if the Indian cricketers will ever be treated in the same way.Saddened to hear that the National Shooting Team is detained at The IGI Airport with the customs refusing to clear their guns. 1/3- Abhinav Bindra (@Abhinav_Bindra) May 9, 2017They are our countries ambassadors and should not be treated like this. Would this ever happen to our cricket team ? 2/3- Abhinav Bindra (@Abhinav_Bindra) May 9, 2017Chatted with a few athletes and the lack of support coming through from the national federation is pathetic. @RaninderSingh @TheNrai- Abhinav Bindra (@Abhinav_Bindra) May 9, 2017The official team manager of the shotgun team left this morning leaving the athletes to fend for them selves.- Abhinav Bindra (@Abhinav_Bindra) May 9, 2017Former Olympian Anjali Bhagwat said such incidents are not new and blamed at the miscommunication between players and NRAI.Very much disappointed with the news of national shooting team heading for the World Cup detained at the Delhi Airport for more than 13hrs!advertisement- Anjali Bhagwat (@AnjaliOlympian) May 9, 2017Is this the way to treat our Olympians? This is mental torture before major tournament. I know how bad it feels as this has happened before.- Anjali Bhagwat (@AnjaliOlympian) May 9, 2017The shooters complained that they have lost valuable practice time due to the incident, which may hamper their preparations for the upcoming World Cup in Munich, starting May 17.
NEW ORLEANS, LA – JANUARY 01: Ezekiel Elliott #15 of the Ohio State Buckeyes runs the ball against the Alabama Crimson Tide during the All State Sugar Bowl at the Mercedes-Benz Superdome on January 1, 2015 in New Orleans, Louisiana. (Photo by Streeter Lecka/Getty Images)Ohio State running back Ezekiel Elliott appeared as a guest on ESPN’s Highly Questionable this afternoon. Co-hosts Bomani Jones and Dan LeBatard asked him about his toughest game as a player, his class attendance at Ohio State, what his mom said about him questioning the OSU coaches after losing to Michigan State (he wouldn’t answer), and other topics. But LeBatard’s father Gonzalo, affectionately known as “Papi”, stole the show. He asked Elliott how to wear his trademark “crop top” look and then proceeded to turn his dress shirt into one after Elliott gave him a tutorial. @EzekielElliott just showed Papi how to make his shirt into a crop top pic.twitter.com/bfQNmtoiwz— Taylor Ashbrook (@TA2014) February 15, 2016Papi’s crop top @HQonESPN pic.twitter.com/mKNy73tPAY— Joe (@realmarlina) February 15, 2016Never change, Papi.
Minister without Portfolio in the Office of the Prime Minister, with responsibility for Sport, Hon. Natalie Neita Headley has welcomed public-private partnerships, which will lead to the upgrading of existing sport infrastructure.“We are very aware that public-private partnerships will be needed to create a new velodrome and hockey field, as we seek to bolster our sport infrastructure,” Mrs. Neita Headley said, in her contribution to the 2013/14 Sectoral Debate in the House of representatives on June 5.She noted that the private sector and the Diaspora continue to play very significant roles in sport development.“Jamaica, unlike many countries of our size and resources, has a wide range of organised sporting disciplines and National Associations,” she pointed out.The Sports Minister noted also that the private sector and the Diaspora have been stalwart partners through alumni associations and their community links in Jamaica.“Civic and professional bodies, through various creative means, have supported Jamaica’s sport development programme, not just through financial support, gifts of equipment and gear, but also their presence to support, cheer on and mentor our athletes when they travel overseas,” Mrs. Neita Headley said.Contact: Alphea Saunders
Mumbai: Actor-singer-songwriter Farhan Akhtar who has released his first solo music album titled ‘Echoes’, produced by Grammy Award-winning Italian producer Tommaso Colliva, says such collaborations are fruitful for creativity. Sharing his experience of working with an international producer who has worked with British band Muse and Mary Chain among others, Farhan said: “Working with Tommaso was really amazing because his approach was quite different. He wanted to know the story behind each song, and what was my frame of mind when I was writing them.” “The atmosphere was so conducive that as a singer-songwriter I felt really excited to work on it. He wanted to do the production and sound following those written words. It really added value to the album. It was a great learning experience.” Asked if he would like to use the experience to contribute to the independent music scenario in India, where Bollywood music mostly overshadows it, Farhan said: “We are doing a lot of stuff through our movies. If you look at the recent example of Gully Boy, we have encouraged musicians from the underground scene. I would love to support and encourage young talent, but look, this is not my full-time job.” Farhan will be seen opposite Priyanka Chopra Jonas in “The Sky Is Pink”, which will release in October.
Then-sophomore forward Zach Mason (7) dribbles the ball during a game against Northwestern on Oct. 20, 2013. OSU tied the Wildcats, 0-0, after two overtimes.Credit: Lantern file photoAfter seven overtime periods and three draws, the Ohio State men’s soccer team can finally stop fretting over grabbing its first win – just in time to face a familiar conference foe.“We’re not pleased that we have three draws, but we’re pleased that we don’t have three losses,” junior midfielder Zach Mason said. “Undefeated is always a good thing to have, obviously we want to start turning those (draws) into some wins, but getting one is the first step.”OSU is scheduled to open its conference slate Sunday against Northwestern after a week off.The Buckeyes (1-0-3) defeated Elon 1-0 in Wilmington, N.C., last Sunday to seal that first victory. Junior forward Joao Ehlers, playing in just his second game for the Scarlet and Gray after dealing with a groin injury before the season, dropped in the golden goal early in the first overtime period to deliver the victory. The Brazilian transferred to OSU from the University of the Cumberlands in Williamsburg, Ky., prior to the season.“It was an amazing play by my teammates, we always work together,” Ehlers said.He was named Big Ten Co-Offensive Player of the Week Tuesday for his efforts.“I had the opportunity to finish close to the goal and I got lucky; the ball went through the net.”Fresh off their first victory, the Buckeyes are set to face a team they’ve had little success against in recent years.OSU has not beaten Northwestern since the 2007 season, although the two teams did battle to a scoreless draw in Columbus last year.“You play the conference foes every year, so you’re familiar with their players, we know some of their strengths and weaknesses,” OSU coach John Bluem said. “It is pretty easy to prepare for conference teams because you are very familiar with them.”Conference play has certainly shown it can be a major struggle for Bluem and the Buckeyes despite the familiarity between schools. The team went 1-3-2 against its conference opponents last season, including a 2-0 loss to Michigan State in the opening round of the Big Ten tournament.“It’s always the most important time of the year, because doing well in the Big Ten really sets your benchmark for the year,” Mason said. “If we can start off with a win, it will make a statement. We haven’t been that successful in the Big Ten the last few years, but it’s a new year, and I think we’re ready to get in the top tier of the Big Ten.”It has been a busy start to the season for OSU. The team has begun the season with a pair of two-game weekend tournaments. If that’s not enough, it has yet to finish a game in regulation time.“We’re really tired and beat up right now,” Bluem said. “It’s been a long preseason, it’s been a tough couple weekends playing Friday-Sunday-Friday-Sunday like that, so this is a good time right now to have a week to prepare for Northwestern.”The Wildcats (2-0-2) are led by a stifling defense that has only allowed one goal in their four games this season. Senior goalkeeper Tyler Miller set a school record with his 30th career shutout in Northwestern’s scoreless draw against California State University, Fullerton on Sunday.The Buckeyes’ Big Ten opener against the Wildcats is scheduled for a 1 p.m. start Sunday at Jesse Owens Memorial Stadium.
Burnley manager Sean Dyche believes the Clarets are showing “unbelievable” mental and physical fitness as they combine their European performances with life in the Premier League.Burnley has given an impressive performance this season as they are unbeaten in five competitive games so far.“The fitness side of things, we were always high on that. The mental motivation is already there and it has been for a long time, and the group demand is there,” Dyche said ahead of Sunday’s visit of Watford via Burnley Express.Match Preview: Burnley vs Liverpool Boro Tanchev – August 30, 2019 Premier League leaders Liverpool travel to Burnley for the Matchday 4 of the 2019-20 Premier League campaign.“They’re all things that count, the rest of it outside the camp is all noise. It’s about your own team’s focus, the ability to drive forward no matter what’s put in front of them and I think we’re good at that.“I’ll be going into Sunday believing these players will go again. They’ll play hard and do what they need to do to try and win a game.”
Ex-Pumas Alfonso Nieto couldn’t leave the South American country because there was no paper to print out his son’s passportFor Mexican footballer Alfonso Nieto, the chance to play football outside his country was a dream come true.He was called to play with Carabobo in Venezuela’s Primera Division.Nieto started this adventure in January but was let go by the club in May.That’s where the nightmare started.The Mexican athlete had a newborn baby and couldn’t print his passport to leave the country.The South American country has a shortage of basic materials, and paper is one of them.Quiz: How much do you know about Hirving Lozano? Tomás Pavel Ibarra Meda – September 6, 2019 Time for you to tell us everything you can answer about Hirving Lozano. We will ask you 10 questions about the Mexican forward. Have…“For two months I lived like a Venezuelan, like one of my brothers who helped me in that country,” he told Diario Excelsior in Mexico.75 days after his first try, he was able to get help and get out of the country and is now in Mexico with his whole family waiting for a new chance with football.“It was months, weeks, waiting for a solution.”“At the end, we went to live in Caracas to try to solve this as soon as possible,” he added.3 Meses mi Mati hermoso!! TE AMO ? Nunca caminaras solo hijo! ??? #GraciasDios pic.twitter.com/YqtFXythhs— Alfonso Nieto (@aNieto_23) August 14, 2018
According to the Alaska State Troopers, the two story residence exploded due to what is believed to be a gas explosion. The house was completely destroyed and the roof of the house flew approximately 150-200 yards across the road. Facebook0TwitterEmailPrintFriendly分享The Sterling Highway was closed in both directions on Thursday evening near mile 166 just outside of Homer following a large home explosion. According to the Homer Volunteer Fire Department no one was home at the time and no injuries were reported. Both Homer and Anchor Point volunteer fire departments responded with Homer Electric Association and ENSTAR representatives. The Sterling Highway remained closed until roughly 4:25am on Friday morning due to massive amounts of debris in the roadway. The explosion occurred around 10:20pm on Thursday. Crews remained on scene overnight to clear the roadway. The cause of the explosion is currently under investigation, and according to Troopers fowl play is not expected.