Furaveri Island Resort & Spa enters India market through a market representation agreement with India Sales Associates, the hotels’ marketing and representation company.“Regarded as a truly Maldivian resort with modern facilities, Furaveri Island Resort & Spa is the perfect getaway in Maldives. Expansive green landscape in 23 hectors, overlooking a white sandy beach and panoramic ocean views are the setting for a relaxing holiday in the most beautiful surroundings. Furaveri Island Resort & Spa is located 151 km north from Malé International Airport, is accessible by direct scenic seaplane flight or domestic flight followed by a 45-minute speedboat journey, and offers an unmatched experience for individuals, couples and families. Whether you are an adventurer seeking the underwater experience, an explorer looking for a remote exotic island or a fishing enthusiast ready for the big catch,” said Manas Sinha, Director, India Sales Associates.Led by one of the Maldives’ most celebrated chef, the resort is geared to serve the authentic Indian cuisine and Jain meals, aside from the wide variety of international and speciality fusion Asian and casual Mexican cuisine.To enable our travel partners, to promote this resort effectively, the launch offers include a very attractively priced ‘Thohar Package’, in which a 3-nights package starts from USD 1,700 per couple inclusive of half-board stay and return Seaplane transfers. The DMC partners are ready with these packages to support the travel companies for honeymoon and family bookings. Guests can choose 3-nights, 4-nights and longer package stays.Furaveri Island Resort & Spa features 107 units of a variety of stay options from Garden Villas to Beach Pool Villas, Water Villas and unique Dhoni Pool Villas (the design is inspired by the traditional Maldivian fishing boat locally called ‘Dhoni’) to two-bedroom Water Suite with private pools. Also, it boasts of four different restaurants and a bar, one main pool with a separate children pool and a large kids club.The pristine white sandy beach is the venue for multiple wedding (ceremonial), renewal of vows experience and provides the perfect backdrop options with a variety of set-up design options.Furaveri Island Resort & Spa is blessed by having an incredible house reef with turtles, sharks, rays, barracuda, napoleons, tuna and trevally as well as colourful corals. The resort offers in-house complimentary activities, including snorkelling with equipment, fish feeding, fitness centre, etc.
Lenders are more bullish on the housing recovery now than they have been in the last several years, according to the results of “”FICO’s””:http://www.fico.com/en/Pages/default.aspx quarterly survey of bank risk professionals.[IMAGE]The survey, conducted for FICO by the “”Professional Risk Managers’ International Association””:http://www.prmia.org/ (PRMIA), found that 71 percent of bankers polled believe home prices are “”rising at a sustainable pace”” in the context of mortgage lending risk. In addition, the majority of bankers–59 percent–expect the supply of credit for residential mortgages to meet demand over the next six months; a slightly larger percentage (60 percent) expect the supply of credit for refinancing to meet demand.On the credit health side, 39 percent of respondents expect mortgage delinquencies to fall over the next six months, while another 45 percent expect delinquencies to remain flat. Sixteen percent anticipate an increase in delinquencies, making this first-quarter survey the most optimistic since the surveys started.””The latest survey results, combined with data that indicates the real estate market is improving in many regions, paint a positive picture for a sector of the economy that has been slow to join the recovery,”” said Dr. Andrew Jennings, chief analytics officer at FICO and head of FICO Labs. “”Mortgage lenders have been understandably guarded over the past five years. The improvement in their sentiment should be welcome news, and I wouldn’t be surprised to see lenders cautiously expanding their mortgage and home equity lending businesses.””According to FICO, banker optimism extended beyond mortgage lending last quarter: Large majorities of survey respondents believe that consumer credit health is improving across most types of loans. Respondents were most confident in home equity lines of credit, with 81 percent expecting delinquencies to remain steady or decrease in the next six months.The survey also asked respondents about the business priorities at their institutions for 2013. Two related topics took the top spot: utilizing Big Data analytics to gain greater insight into consumers and improving the customer experience. Both were named as the top priority by 35 percent of respondents. Also important: fraud prevention (20 percent of respondents) and utilization of mobile technology (9 percent). in Data, Origination Share FICO Survey: Banker Optimism in Housing at 3-Year High Agents & Brokers Attorneys & Title Companies Demand Home Equity Home Prices Investors Lenders & Servicers Purchase Loans Refinance Service Providers 2013-04-09 Tory Barringer April 9, 2013 423 Views
Agents & Brokers Attorneys & Title Companies Capital Economics Commercial Real Estate Confidence Fannie Mae Freddie Mac HUD Investors Lenders & Servicers Politics Processing Service Providers Veterans Affairs 2013-10-01 Hugh Moore As the federal government ground to a halt Tuesday, the question of how the shutdown will affect the housing market remains at the front of everyone’s mind. How will the market react? The answer: It depends.[IMAGE]Mortgages will continue to proceed through the usual government channels, although some delays are expected.More than 90 percent of the residential housing market depends on the government and/or the GSEs for underwriting, insurance, and funding. Mortgages controlled by Fannie Mae and Freddie Mac will not be affected because they are funded by fees from lenders rather than federal appropriations.Some concern has been raised about how the employment verification process would proceed in the event of an IRS shutdown. Freddie Mac issued the following clarification to lenders Tuesday: “”If a loan is made to a government employee and the closing date is during the shutdown period, you do not need to obtain employment verification or re-verification prior to closing if a government office providing the verification is not able to do so as a result of the temporary shutdown. You are also not required to obtain employment verification or re-verification for such loans after the shutdown ends. This exception does not apply to income verification or any other requirements … We only require IRS Form 4506-T to be signed by the borrower prior to closing. We do not require that 4506-T be processed by IRS prior to closing. However, we require that the actual 4506-T information is obtained as part of the Seller’s in-house QC program.””Most economists agreed that the broader effects of the shutdown should be minimal, assuming that the shutdown is short-lived.””The most significant immediate term impact of the government shutdown is whether it rattles households and businesses by impacting uncertainty and confidence. With the shutdown only several hours old, it is too early to tell.[COLUMN_BREAK]So far the financial markets have not reacted wildly, which would get everyone’s attention,”” said Peter Muoio, chief economist with Auction.com Research. “”All that said, the primary potential transmission mechanism is through uncertainty. So far this year, the decreased levels of uncertainty have supported stronger economic growth and, therefore, demand for both residential and commercial real estate. We must gauge the shutdown’s impact on uncertainty and stress that a quick solution would clearly have less impact than a prolonged fight.””The securities division of Wells Fargo issued a report to investors predicting the broad economic effects of a shutdown would be “”minor.””””Our expectation is that our fourth quarter GDP call would be reduced by 0.0-0.5 percent … There would be negative effects on government spending and reduced consumption from the furloughed workers,”” the report said. “”Historically, following a government shutdown, the federal government boosts consumption and federal workers’ payroll is restored. The primary reason for the minimal economic impact during this shutdown stems from the fact that most of the negative effects and the subsequent positive bounce back effects are currently expected to be contained within the same quarter of growth.””Research firm Capital Economics predicted that the effect of a shutdown would be minimal provided that it doesn’t presage a fight over the upcoming debt ceiling increase.””Over a whole year, the cost would be equivalent to about 0.3% of GDP, which is manageable,”” Capital Economics said in an update. “”If the current shutdown drags on, however, then once the debt ceiling limit begins to bite in the second half of this month, the economic and market impact would become much greater. In all likelihood, the Treasury would not have enough cash on hand to make a scheduled Social Security payment of nearly $25 billion on November 1. It would also be unable to meet a debt interest payment of roughly $30 billion that will fall due on November 15, potentially triggering a technical default.””The communications department at HUD shut down Tuesday morning, issuing the following statement: “”Most HUD programs have been temporarily interrupted and most HUD employees have been told they cannot work. We will not be able to check this account or respond to questions during the shutdown.””The Department of Veterans Affairs will continue its loan guarantee program, although there could be some delays. The Department of Agriculture will cease its mortgage financing activity. in Data, Government, Origination, Secondary Market, Servicing October 1, 2013 474 Views Agencies, Analysts React to Government Shutdown Share
Generation X Homeownership Housing Bust 2016-04-11 Staff Writer in Daily Dose, Data, Headlines, Market Studies, News Share Gen Xers Shaken From Housing Bust Effects April 11, 2016 506 Views There is an interruption occurring in the housing market. Homeowership numbers among Generation X have quickly went from first to last due to lingering effects from the housing bust.Generation X has suffered more than any other age cohort from the housing bust, according to an analysis of federal data and a report from the Wall Street Journal by Chris Kirkham. The report also noted that homeownership rates could remain low for this generation for years to come.Generation X went from the most successful in terms of homeownership rates in 2004 to the least successful by 2015, according to the data and Kirkham’s report.Kirkham says the culprit for this occurrence among Gen Xers is “a historic bull market for housing, fueled in part by easy-to-get mortgages, that encouraged record levels of home buying until the financial system cracked and the housing market collapsed. Earlier generations such as baby boomers, who entered the market before the frenzy of the early 2000s, have fared better.”According to the U.S. Census Bureau, the homeownership rate rose 0.1 percent to 63.8 percent in the fourth quarter of 2015, compared to 63.7 percent last quarter. Despite the rise however, the homeownership rate is 0.2 percent below the rate of 64.0 percent last year during the same period. In addition, although the homeownership rate, while up from a 48-year low in the second quarter of 2015, is still below the peak of 69.2 percent in June 2004.”Today’s Census Homeownership and Vacancy Survey release also provides optimism that the homeownership rate may have hit bottom in 2015,” said Ralph B. McLaughlin, Chief Economist at Trulia. “Many Gen Xers lost their homes during the recession, so this is a positive sign that we may be seeing boomerang buyers coming back into housing market. However, the increase was not statistically significant from a year ago.”The Bureau found that homeownership was highest among those 65 years and older at 79.3 percent int he fourth quarter of 2015, down slightly 79.5 percent in the previous quarter. However, the only age group to increase their homeownership rate was the 35 to 44-year olds, from 58.8 percent in the fourth quarter of last year to 59.3 percent in the fourth quarter of 2015.Capital Economics Property Economist Matthew Pointon added, “That gradual rise in the homeownership rate should continue over the next few years. On the demand side, there are large numbers of young adults who are currently living with their parents. And many of them would like to form their own household. The financial crisis locked them out of homeownership, as they lost their jobs and/or banks refused to provide them with a mortgage. But both factors are now steadily improving. Jobs are being created at a rapid pace, and we expect earnings growth will finally start to rise this year. As well as allowing more households to access homeownership, that will also cut down on mortgage delinquencies and keep more families in their homes.”
Fed Raises Rates; What Comes Next? in Daily Dose, Headlines, News December 14, 2016 685 Views Share Federal Funds Target Rate Federal Reserve FOMC Interest rates 2016-12-14 Seth Welborn For the first time in a year and only the second time in a decade, the Federal Open Market Committee (FOMC), the policy making arm of the Federal Reserve, voted on Wednesday in its eighth and final meeting of the year to raise the federal funds target rate by 25 basis points up to the 0.50 to 0.75 percent range.With the labor market widely considered to be at full employment and the unemployment rate at a post-recession low of 4.6 percent, according to the November Employment Summary from the Bureau of Labor Statistics, members of the FOMC felt the time was appropriate for a rate hike.“In view of realized and expected labor market conditions and inflation, the Committee decided to raise the target range for the federal funds rate to 1/2 to 3/4 percent,” the FOMC said in its statement. “The stance of monetary policy remains accommodative, thereby supporting some further strengthening in labor market conditions and a return to 2 percent inflation.”Analysts in the housing industry have been speculating for weeks as to what the effect of a Fed rate hike would be on mortgage interest rates and overall affordability. In the month prior to the Fed voting to raise the federal funds target rate, the average 30-year FRM rose by more than 50 basis points to a level above 4 percent for the first time in more than a year.“While the Fed’s hike of 0.25 point in short-term interest rates may trickle down to long-term rate products like 30-year mortgages, the more immediate impact will be felt by borrowers with variable-rate mortgages and home equity lines of credit who can expect an increase in their payments at their next rate reset,” said Tim Manni, mortgage expert at NerdWallet. “Homebuyers shouldn’t be particularly concerned with today’s Fed move. Even with rates hovering over 4 percent, they’re still historically low. Most market observers are expecting a gradual rise in home loan rates in the near term, anticipating mortgage rates to stay under 5 percent through 2017. Of course, that’s barring any unforeseen economic event.”Mark Fleming, Chief Economist with First American, estimated that the 25-basis point increase in the federal funds target rate will result in a decline in existing-home sales down to a seasonally-adjusted annual rate of 5.55 million—in October, National Association of Realtors reported an annual rate of 5.60 million for existing-home sales, highest in more than nine years—and that the year-over-year growth rate for nominal price appreciation will fall to 4.0 percent. Also, First American’s Real House Price Index (RHPI), which adjusts prices for purchasing power by considering how interest rates and income levels impact the amount a consumer can borrow, estimates that real house prices will increase by 4.4 percent by December 2017.“In addition to the impact on existing-home sales and house prices, first-time home buyers will feel the most impact of the rate increase,” Fleming said. “In short, real house prices provide a more relevant way to compare changes in affordability over time because they are adjusted for differences in home buyers’ income and the impact of interest rates on financing costs. Increases in real house prices decrease consumer house-buying power and, therefore, affordability by the same amount.”Realtor.com Chief Economist Jonathan Smoke stated, “Today’s Fed announcement is going to have the greatest impact on first time home buyers as they consider their monthly payment budgets. Rates will likely stay the same until about March so buyers considering a purchase in 2017 may want to consider getting into the market now. The Fed—and financial markets—will have to wait to see what comes of U.S. fiscal policies in the weeks and months ahead and how that impacts the economy and the potential for more inflation. Signs point to the Fed raising rates at least three times next year, and just like we’ve seen in the last month, mortgage rates will likely move proportionately in anticipation of those increases, as clear data emerges about stronger economic growth and inflation.”National Association of Federal Credit Unions (NAFCU) Chief Economist Curt Long said that overall, the effect of the 25 basis point on U.S. households should be minimal, but at the same time, “for the millions of savers living on fixed incomes it surely comes as a relief, especially if it is accompanied by a forecast for more in 2017. To that end, the committee’s economic projections may hold more interest than the statement itself,” said Long. “For typical Main Street Americans, the move serves as a reminder to review the rates on their savings and borrowings and to shop around. They may find that even in a low-rate environment there are institutions willing to provide superior rates and higher-quality service than the big Wall Street banks.”Long continued, “The Fed will not make any assumptions about President-elect Trump’s economic agenda. A large spending bill accompanied by tax cuts certainly has the potential to increase growth and inflation, paving the way for faster rate normalization in the coming years. But the Fed will stick to its wait-and-see approach.”
in Daily Dose, Government, Headlines Flood Insurance Hensarling House of Representatives NFIP 2017-11-14 Aly J. Yale House Votes to Re-up Flood Insurance Program Share November 14, 2017 523 Views The House of Representatives officially voted to reauthorize that National Flood Insurance Program (NFIP) with a 237-189 vote on Tuesday. The bill, dubbed the 21st Century Flood Reform Act, would reauthorize the program for five years and come with a slew of other reforms that would, in effect, raise premiums and cut into affordability for policyholders.According to the Congressional Budget Office, “the changes made by this legislation would increase collections from NFIP policyholders but would reduce the number of property owners who purchase insurance through the NFIP.”In addition to extending the program for an additional five years, Tuesday’s bill would also make it easier for private companies to enter the flood insurance market and prohibit the NFIP from covering properties that flood repeatedly.Rep. Jeb Hensarling, R-Texas, told the floor the new reforms would give consumers more opportunity to shop around and find affordable coverage. If passed, he said, “it’ll represent in many respects the greatest reform in the history of the program.”The NFIP, initially established in 1968, was set to expire September 30, but President Donald Trump approved a three-month extension of the program to buy Congress more time. If the CFRA had not been passed Tuesday, the program would expire December 8.Following the devastating effects of hurricanes Harvey, Irma, Jose, and Maria, the NFIP was—and still is—deeply in debt. According to the CBO, the program is expected to have a deficit of more than $1.4 billion this year. Congress has already agreed to forgive $16 billion in debt from the program.The CBO estimates the new bill will decrease spending by $187 million by 2027 and increase program revenues by $4 million over the same period.The new bill will move to the Senate next, though according to the Wall Street Journal, the Senate may not act on the legislation until later next year.
FHFA Credit Scoring and Competition Share in Daily Dose, Featured, Government, News, Origination Homeownership—one of the core components of the American dream—is in trouble. Akin to speeding towards a cliff without brakes, America is facing some of the lowest rates of homeownership in 50 years. Meanwhile, the federal government continues to maintain the status quo regarding the credit scoring models that are permitted to usher consumers to the “doorstep” of underwriting approval. The homeowner demographics are changing significantly, but the credit scoring models have not, resulting in the disenfranchisement of potentially millions of Americans.The government-sponsored enterprises (GSEs), Fannie Mae and Freddie Mac, own or guarantee more than half of the conventional mortgages in the United States. They are currently required to use only scoring models from a single credit scoring entity—FICO—when it comes to screening applicants for eligibility and pricing. Those credit scoring models have remained largely static for nearly 20 years, failing to incorporate modern credit scoring data that works to provide a fuller and more accurate picture of a consumer’s creditworthiness. This excludes millions of consumers from accessing homeownership. New entrants, such as VantageScore, have campaigned for years to compete, arguing that more modernized credit models are critical, but the GSEs’ policy continues to uphold a government-sanctioned monopoly for FICO.The Federal Housing Finance Agency (FHFA), which regulates Fannie Mae and Freddie Mac, has taken a step in the right direction, recently concluding an RFI event on mortgage credit scoring standards to determine whether to use an updated FICO model (FICO 9), the VantageScore 3.0 model, or a combination of the two. One thing is for certain, however: one of the most effective ways to guarantee a rebound in American homeownership is to nurture credit scoring competition, a solution that is right at our fingertips.Providing lenders with the option of deciding which brand to use (with practical constraints to avoid “score shopping”) would give credit scoring companies a reason to continue innovating while ensuring scores accurately reflect the ever-changing needs and demographics of America’s future homebuying population. This is especially critical because the Harvard Joint Center for Housing Studies has forecast that approximately 75 percent of new household formations in the period 2015-2035 will be undertaken by minorities, who are often disadvantaged by current scoring models.America was constructed by those who were given the opportunity to reap the bounties of their hard work, building equity in a home and wealth for their families. Just as competition works as a positive force in nearly every other element of our economy, it should also work to remove the barriers that are holding back the next generation of prospective homeowners from achieving what is core to all Americans: the opportunity for sustainable homeownership. June 4, 2018 751 Views contributed pieces Credit Scoring FICO VantageScore 2018-06-04 David Wharton
October 19 , 2018 You might also be interested in The South African Table Grape Industry (SATI) has forecast volumes for the 2018-19 season of between 63.2 and 70.1 million 4.5 kg-equivalent cartons.The current record stands 67 million cartons produced in the 2016-17 season.Last season saw production of 62 million cartons.”Good winter rains to date have largely broken the severe drought in the Western Cape,” SATI said.”This positive outlook, linked to new plantings and new cultivars, brings the South African table grape industry back on its ‘organic’ growth trend over the past four years.”The new plantings are also of higher-yielding cultivars.The earliest Northern Provinces Region is expected to produce an even better crop than last year, SATI said. This was the only region to have increased its volumes in the previous season.The Orange River region closely follows with harvesting at the start of November with an expected return to normal crop volumes.The Olifants River Region was hit the hardest by the drought, but SATI said vineyards seemed to have recovered well following the good winter rains. New vines planted before the drought are also expected to come into full production. The expectation is that the region will return to pre-drought volumes.Production volumes for the Berg River Region are estimated to return to normal as well. The Hex River Region is expecting a return to average production figures in line with the industry growth trend. Grapes in Charts: Mexico helps make America grape … The calm before the storm: Undersupplied U.S. tabl … Study finds molecules in oranges, grapes, carrots … India: Maharashtra grape growers to organize marke …
U.S.: Northwest pear crop forecasts rises amid lar … Fresh produce sales continue to grow, with value-added vegetables, and meal prep options especially bolstering momentum, according to the United Fresh Produce Association’s FreshFacts on Retail.These are just a few of the trends the association covers in its latest issue, which delves into the developments of 2019’s second quarter.Beyond these topics, the issue also covers data on the sector’s unit growth. This has slowed compared to other fresh departments and the grocery department, it notes.Additionally, it reports that a variety of fruits and vegetables continue to influence overall organic growth. One reason for this is their appeal to health-conscious consumers, says United Fresh.“At a time when the total store growth remains challenging, consumers’ demand for healthy and convenient eating options represents a unique growth opportunity for players in the retail and consumer packaged goods industry,” explains Miriam Wolk, United Fresh’s vice president, member services.“Fresh food categories are favorably positioned to capitalize on both these trends.”This quarter’s report features seasonal category deep dives on apples, celery, and brussel sprouts. What’s more, it provides a comparison of 2018’s fourth quarter versus 2017’s fourth-quarter results, notes the association. UAV-IQ and Koppert team up for drone-based aerial … Peru gears up for first mandarin exports to Japan … Moreover, the report looks at the top commodities purchased by families with children in their household.In this way, the report can help companies plan for a successful Q4 2019, United Fresh says.United Fresh’s webinar to discuss forces behind current trendsAs an added value, the United Fresh Retail-Foodservice Board and Nielsen Fresh are hosting a webinar on the report’s highlights.The webinar will occur Wednesday, August 14, at 2:00 EST and feature analysis from Matt Lally, Nielsen Fresh’s associate director.Additionally, it will give participants the opportunity to ask questions and gain a broader understanding of what may be driving current trends, says the association.Jeff Cady, director of produce and floral at Tops Friendly Markets and United Fresh Retail-Foodservice board chairman, will moderate the webinar.Registration for the event is available here. Meanwhile, the complete report can be downloaded free of charge for all United Fresh members here. Non-members can access it for US$50. Study finds molecules in oranges, grapes, carrots … You might also be interested in August 05 , 2019
Couples can save $1000 on the Viking Homelands cruise departing 15 May 2018. Sailing Scandinavia and the Baltic, highlights include Stockholm, St. Petersburg, Alborg and Bergen.Savings apply when the 15-day Viking Homelands ocean cruise is booked by 30 June 2017. Book a 2018 Passage to Eastern Europe cruise by 30 June 2017 and fly free to Europe, saving $2,000 per couple. Viking River Cruises’ Passage to Eastern Europe departs 1 November 2018 on a 23-day journey to eight countries in Eastern, Central and Western Europe, visiting some of the continent’s most historic cities as it journeys through the Danube, Main and Rhine Rivers.Highlights include a guided walk through the grounds of Kalemegdan Fortress in Belgrade, a performance of traditional Puszta horsemanship in Kolocsa and a visit to the Dom in Cologne, Germany’s largest cathedral and a UNESCO World Heritage Site.IMAGE: Bergen Harbour, Norway EuropeScandinaviaViking Cruises
Maya Baythailand Following months of speculation and unofficial reporting, Tourism Authority of Thailand has confirmed that Thailand’s Department of National Parks, Wildlife and Plant Conservation (DNP) has announced the temporary closure to visitors of Maya Bay in Hat Noppharat Thara-Mu Ko Phi Phi National Park for a period of four months commencing 1 June 2018.Ko Phi Phi’s famed Maya Bay will undergo a ‘much-needed rejuvenation’ from 1 June to 30 September 2018, the DNP announced, with access to Maya Bay strictly off limits during that period. Boats will be banned from entering the bay in front of the beach, or from dropping anchor at nearby Loh Samah Bay. Travellers can still catch a glimpse of the Bay’s stunning beauty, made famous by Leonardo DiCaprio’s movie ‘The Beach’, at a 400-metre distance, or between the two cliffs that form a natural entrance to the lagoon. But this will be strictly supervised and carefully monitored by the DNP.During the four-month period, the DNP will undertake a coastal and marine environment quality evaluation study on the condition of reef and beach resources, environmental control, and tourism management. This is to properly determine measures for environmental sustainability of Maya Bay during future off-tourist seasons.
Katy Hartley (A Cowboys fan)The Cowboys can score. The Cardinals can’t. The Cowboyslove to pass the ball. The Cardinals can’t stop a solidpassing offense. Romo is a better QB than Kolb. Dallas hasa slight edge on defense. Who can spell slaughter?Final Score: Cowboys 31, Cardinals 14 Adam GreenThis used to be the game I’d circle on the schedule, asthe Cowboys would come to town and bring with them astadium full of people wearing blue and silver. Things gotfun in the latter part of the 90s when the Cardinalsseemingly always found a way to beat their NFC East foe. While Arizona has experienced success against the ‘Boys inrecent years, I just can’t see them keeping up. The Cowboys can score, either with DeMarco Murray and theground game or Tony Romo, Dez Bryant, Laurent Robinson andJason Witten and the air attack, and the Cardinals won’tbe able to keep up with a rusty Kevin Kolb who will get toknow DeMarcus Ware pretty good by the end of theafternoon.Final Score: Cowboys 31, Cardinals 13 John GambadoroThis one is easy. Tony Romo in December (7-10) is a muchdifferent quarterback than Tony Romo in November (19-2). The Cowboys are playing great football right now, havingwon 5 of their last 6 and taking control of the NFC East.They are due for a letdown and here it comes. Arizona has been playing good quality defense and theywill do so again as the Cowboys bounce back to earth thisweek and Romo reminds us all why we don’t like him and whyhe is no Tom Brady. DeMarco Murray is very good so the keywill be to stop the run, and it does look like MilesAustin will miss his fourth straight game with a hamstringinjury which is a big plus for Arizona. Cardinals getthree Feeley field goals and beat Dallas.Final Score: Cardinals 23, Cowboys 20 Charlie FeinermanThe Cardinals come off a game against a struggling Ramsteam to face a Dallas Cowboys team that has won 4 games ina row without arguably two of their best weapons onoffense and defense. The Cowboys may be getting healthy,as starting corner Mike Jenkins is set to return. If Iwere Kevin Kolb I would wait another week to make mycomeback, as the thought of Levi Brown trying to blockDeMarcus Ware really scares me. If Beanie Wells hasanother great game, the Cards have a shot. It may not getugly, but the Cowboys are at full strength and havemomentum… And Levi Brown is going to be blockingDeMarcus Ware.Final Score: Cowboys 38, Cardinals 20 Dave BurnsI know, I know. The Cowboys are never any good inDecember, in particular Tony Romo. I think there issomething different about this year’s Cowboys. DeMarcoMurray adds a whole new dimension to that team. Despitethe Cardinals success at stopping the run, I think therust on Kevin Kolb will prevent the offense from keepingup.Final Score: Cowboys 24, Cardinals 13 Doug FranzThere’s just no way to predict how Kolb will perform inthis game. If Kolb gets the start he’s a strugglinginjured QB coming back for the first time in a month.However, one of the major issues for Kolb was hisknowledge of the offense. I’m sure his knowledge of theoffense has improved greatly, which could lead to betterresults.I do believe the defense has a better idea of theirindividual jobs. Dockett played much better against theRams and maybe that’s a sign he’s going to step up.The catch is I will never pick the Cards to beat a teamwith a good TE as long as Wilson is starting at SS.Dallas is in a dog fight with NYG for the division and ina tie for a wild card spot.Arizona is a better team than they were a month ago, butthey’re not as good as Dallas.Final Score: Cowboys 24, Cardinals 14 What an MLB source said about the D-backs’ trade haul for Greinke Top Stories Vince MarottaThe Cowboys are red-hot, having won their last four in arow. Tony Romo has played well, throwing 10 touchdownsduring the winning streak. He’s been nails in Novemberduring his career. But it’s not November anymore, theCardinals are playing pretty well themselves and have hadthe Cowboys number the last two times they’ve played them.I’ve got a feeling…Final Score: Cardinals 27, Cowboys 24 The Arizona Cardinals return home after threeconsecutive road games to face the hated Dallas Cowboys. The Cowboys have won four straight games and lead the NFCEast with a 7-4 mark, with an offense that has beenracking up the points. Will the Cardinals come out on top? Let us know what youthink in the comments below. 0 Comments Share Tyler BassettTony Romo and the Cowboys offense is too much for theCardinals to keep up with. The Cardinals D gives up 350+yards of offense.Final Score: Cowboys 31, Cardinals 17 D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ Joe HuizengaThe Cowboys are playing for playoff position…theCardinals…draft position. Advantage CowboysThe Cardinals get Kevin Kolb back…the Cowboys don’t muchcare who suits up for the Cardinals, they’ve got TonyRomo. Advantage CowboysDeMarco Murray ran for 253 yds vs the Rams. Beanie wellswent for 228. Advantage DallasPatrick Peterson returns punts for the Cards…one of thebig stories out of Dallas this week is wideout Dez Bryantlooks like he’ll return punts for Dallas this week.Advantage CardinalsSadly that’s the only advantage for the Red Birds.Final Score: Cowboys 34, Cardinals 20 Nevada officials reach out to D-backs on potential relocation Cardinals expect improving Murphy to contribute right away
Comments Share Cardinals expect improving Murphy to contribute right away Much like the majority of NFL fans, the Cardinals themselves are happy to see the situation taken care of.“I’m glad,” head coach Ken Whisenhunt said Thursday. “It’s a tough situation for anybody to be in and I’m glad that the NFL and the referees association got it worked out and they’re back at work.”The Cardinals were nearly victims of an officiating gaffe in Week 1 against Seattle when replacement referee Bruce Hermansen granted the Seahawks an extra timeout on what would have been the go-ahead scoring drive. The Cardinals defense held, and the NFL issued a statement the next day admitting the error.Arizona safety Kerry Rhodes commended the job the replacements did under adverse conditions.“I think everybody’s happy to see those guys back but we don’t want to discount what the replacement guys did,” he said. “For them to come out and have to be put in that situation to ref an NFL game — just the speed of it for them had to be different so, I think they did a good job for the most part. They had some not-so-great moments, but I think that’s just part of it.”Some players, like Larry Fitzgerald, are glad to see the labor issue solved, but are more focused on the big picture for the undefeated Cardinals. Late Wednesday night, the lockout of the NFL officials ended, putting an end to the “replacement ref experiment” that became an increasingly bigger black eye on the league with each passing game.The regular officials, with a new eight-year collective bargaining agreement signed, will be back on the field in time for Week 4 contests, including the Arizona Cardinals-Miami Dolphins matchup Sunday at University of Phoenix Stadium in Glendale. Top Stories “I’m more happy to be 3-0,” he said. “We’ve got to find a way to keep the positive momentum going, but it’s nice to know that the games probably won’t be as slow and calls will be made right.“As a player, I’m happy to see the guys back to work.”Arizona Sports’ Kyndra de St. Aubin contributed to this report D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ What an MLB source said about the D-backs’ trade haul for Greinke Nevada officials reach out to D-backs on potential relocation
“It is satisfying seeing what we can be potentially. They are working hard,” Horton said. “They do have a grasp of the defense we are putting a lot of stuff in.”The Cardinals will have a tough test Sunday when they will be asked to slow down the Miami Dolphins’ fourth-ranked rushing offense. The Dolphins have a very talented trio of running backs featuring Reggie Bush, Lamar Miller and Daniel Thomas.Though Bush is questionable for Sunday, stopping this talented backfield will be a challenge for Arizona’s front seven.“Either we are going to get better, or they are going to continue to get better on their side of the ball,” Horton said.The Cardinals will also have to worry about rookie quarterback Ryan Tannehill. Horton said that he was been impressed with what he has seen from the young gunslinger. “He makes the right throws, he is mobile, he appears to be smart, and it’s not too big for him,” Horton said. “He does exactly what they want him to do, gives them a chance to win the game.” As impressive as the Arizona Cardinals’ defense has played this season, defensive coordinator Ray Horton is not ready to give the unit a good grade yet. “For me it’s an incomplete, meaning we have a lot of things on the table,” Horton said. “We are striving to be as good as we can be, and we are not there yet.”The Cardinals’ defense is trying to stay humble despite such a great start. However, it is hard to not be optimistic about the way they have preformed so far. 0 Comments Share Top Stories What an MLB source said about the D-backs’ trade haul for Greinke Cardinals expect improving Murphy to contribute right away Nevada officials reach out to D-backs on potential relocation D-backs president Derrick Hall: Franchise ‘still focused on Arizona’
There are probably few people as excited for the Arizona Cardinals’ fresh start in 2013 than wide receiver Larry Fitzgerald.The seven-time Pro Bowler is coming off a substandard 2012 in which he caught just 71 passes for 798 yards and four touchdowns, and his team won just five games. With a new coaching staff, new quarterback and new teammates, things have to get better, right?“It’s been tough,” Fitzgerald told ESPN Radio’s Mike and Mike Wednesday morning. “It’s never easy when you’re not winning. First and foremost it’s about winning. “We probably have the most new personnel out of any team in our division, new system,” he said. “So there’s a lot of things that they have to prepare for that they’re probably not going to be accustomed to.” – / 36 Derrick Hall satisfied with D-backs’ buying and selling Former Cardinals kicker Phil Dawson retires 0 Comments Share Grace expects Greinke trade to have emotional impact “Obviously you want to be productive and go out there and be the best player you can be, but all in all you want to be on a winning team. That’s what it’s all about and that’s what I want to change most.”That’s what the organization is hoping for, too. The additions of Bruce Arians and his staff, along with QB Carson Palmer, have left Fitzgerald optimistic as he heads into his 10th season, all with Arizona. “We had a terrific offseason,” Fitzgerald said. “Coach Arians really has an infectious attitude about football in terms of guys being committed and getting after it and learning the nuances of his system. Carson has come in and been a tremendous leader for us, somebody that we really needed.”What the Cardinals could also use is a little bit of luck. Their division is regarded as the best in football, as it features Super Bowl contenders San Francisco and Seattle along with up-and-coming St. Louis. Fitzgerald understands the difficult hand his team has been dealt, but believes a new coaching staff and overhauled roster could prove to be advantageous. Saying the Cardinals know what their division rivals do both offensively and defensively, Fitz believes his team is a bit of a mystery. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Top Stories
Derrick Hall satisfied with D-backs’ buying and selling Grace expects Greinke trade to have emotional impact Sounds about right.Thinking back, other options could include the Monday Night Meltdown against the Chicago Bears in 2006 or maybe even last season’s Sunday Night Football defeat to the Seattle Seahawks, a game that had the Cardinals won, would have led to them winning the NFC West. But really, it’s difficult for any game to top a championship affair that, for at least a little while late, seemed to be going in Arizona’s favor. Comments Share Top Stories The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo The Arizona Cardinals have lost a lot of games over the course of their history.A lot.But as any sports fan can tell you, not all losses are created equal. SI.com’s Chris Burke sought out to identify the most “gut-punch loss” in every team’s Super Bowl-era history, and his choice for the Arizona Cardinals really comes as no surprise and with no argument.It came on Feb. 1, 2009 at Raymond James Stadium in Tampa, FL. Pittsburgh Steelers 27, Cardinals 23. Super Bowl XLIII. ‘Tis better to have played in a Super Bowl and lost than never to have played in a Super Bowl at all. Probably. The Cardinals’ tale of woe is similar to that of Carolina above—underdog gives the favorite all it can handle, only to come up short. Arizona overcame a 100-yard James Harrison interception return and a 13-point deficit to take a 23-20 lead late in the fourth quarter, thanks to Larry Fitzgerald’s 64-yard score.The NFC champs had no answers for Santonio Holmes down the stretch, though. Holmes caught four passes from Ben Roethlisberger for 73 yards on the Steelers’ decisive drive, including a tip-toeing touchdown grab at the 42-second mark. Former Cardinals kicker Phil Dawson retires
The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Derrick Hall satisfied with D-backs’ buying and selling Former Cardinals kicker Phil Dawson retires Comments Share For a state that has everything you can imagine in terms of options for the sports fan, there sure have been a lot of historic first in Arizona’s sports history.Your Trivia Tuesday challenge for this week is to name the following firsts in the annals of Arizona Sports.These questions are based on various subjects, so to succeed, you’ll need to be well-rounded in your knowledge of sports in the Grand Canyon State. Grace expects Greinke trade to have emotional impact Top Stories You’ve got seven minutes … good luck!
The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo TEMPE, Ariz. – Head coach Bruce Arians, now in his fifth year with the Arizona Cardinals, meets the media several times leading up to gameday.Here, in this space, with help from the Cardinals’ media relations staff, we’ll highlight many of the key topics and personnel conversations he has with reporters following practice.Opening statement:“Everybody practiced except Corey Peters – a good start to the week. We’ll put the pads on tomorrow and hopefully have an even better practice. Good intensity, so other than that, just a really good start to the week.” On the benefits of Gabbert’s mobility:“Yeah, you hope to hell he’s not running around because we can’t block them. You hope he’s running around because you designed it to run around.”On if the defensive success on the first series against Seattle will make him defer if Arizona wins the coin toss:“Yeah, once you start winning those battles, it’s easy.”On whether he’s seen anything out of RB T.J. Logan on punt returns yet:“No. His wrist is still pretty stiff.” On dropped passes and route running by the receiving corps:“Route running is fine. It’s just a matter of finishing and catching it. We dropped way too many balls on Drew in that ball game. It had kind of gone away, and it showed back up in a big, big game.”On the defensive front providing pressure and helping generate turnovers for the backend:“That ball’s coming out, as long as your eyes are in right place. We dropped two. Budda (Baker) had one right in his hands. We should have had another one. The quarterback gets hit enough, it’s coming out of there, and then whoever is spying, whoever is doubling, if their eyes are in the right place, they’ll get interceptions.”On how ready S Budda Baker is for more playing time:“More than ready. He stepped in. Like I said, rookies around Thanksgiving and the middle and first of November, they shouldn’t be rookies anymore.”On how Gabbert’s extra reps helped him develop:“A bunch. It’s nothing like getting first team reps. Drew knows so much, he could let Blaine have a bunch. That part has really helped his progression, especially in blitz drills.”On Gabbert’s comfort level overall with the offense:“I think he’s real comfortable. I’m very comfortable. If he’s our guy, then I’m extremely comfortable.” Top Stories RELATED: Cardinals GM Steve Keim on 98.7 FM’s Doug & Wolf showOn QB Drew Stanton’s status:“He’s one of the guys that practiced. Only one guy didn’t. He practiced.”On where he puts Stanton’s level of toughness:“At the top of the chart. This isn’t the first time I’ve seen him gut it up like that. But yeah, he’s off the charts. That’s why his teammates love him.”On how much his knee affected him in last Thursday’s game:“Oh, it affected him on two or three throws. The one to John Brown, especially, it gave out on him. That is the one that we’d all like to have back. There was maybe one or two others, but that was affected.”On whether QB Blaine Gabbert received more reps with the starters:“Yeah, and he got a bunch last week, but he’ll get more this week. We’ll try to get Matt (Barkley) something along the lines.”On how he evaluates a quarterback in practice who was injured in a prior game and what the quarterback has to do to be able to play in the next game:“Protect himself, number one, being able to get out of harm’s way, or you’re really going to get hurt. He was able to do that in that ball game, and he moved around great. He was gutting it up, but he could stay out of harm’s way. I have had guys with legs that were in damn near casts, playing the pistol the whole game, all the way back to Todd Jordan at Mississippi State, Ben (Roethlisberger). They could throw it, and you made sure they threw it away, that they didn’t get hit.” (AP Photo) On the differences in Houston’s offense without QB Deshaun Watson:“Oh gosh, Braxton Miller’s playing quarterback to do all the things that Deshaun … It takes two quarterbacks for them to do what Deshaun does.”On if S Antoine Bethea or Baker will be the second safety in the base defense:“It’ll probably be Budda right now.”On if Baker’s hesitation while lining up last week was a result of him not knowing or lack of trust in himself:“Just communication. When our crowd’s cranked up, you’re listening for somebody to tell you sometimes, and you’ve got to trust yourself.”On his curiosity to see Gabbert manage the offense and digest the plays:“As far as him, he can spin it as good as anybody I’ve ever had. Just keeping him in his comfort zone. Don’t overload him with things he has to think about for this week, because they’re such a good pressure team. Let him know his protections are sound. Keep him in his comfort zone, because he can spin the ball. As long as we’re getting open, we’ve got to catch it.”On if it’s a problem that he’s been in so many different offensive schemes and systems:“I’ve never seen a guy have that many head coaches and that many coordinators, and not bother him. But he’s got all the confidence in the world. That’s the one thing I like about him, and I think sometimes it helps him, because he’s had to learn so much football, he can learn quickly and forget and start all over.” Derrick Hall satisfied with D-backs’ buying and selling 2 Comments Share Former Cardinals kicker Phil Dawson retires Grace expects Greinke trade to have emotional impact
Grace expects Greinke trade to have emotional impact A week ago, our three-person Doug & Wolf panel of Doug Franz, Ron Wolfley and Paul Calvisi were split on who was the best team in the NFL.Now, not so much.Franz is still rolling with the Kansas City Chiefs after their 26-14 victory over the Arizona Cardinals. The New Orleans Saints’ 51-14 clobbering over the Cincinnati Bengals didn’t sway him to change up his top two teams.It did, however, convince co-host Ron Wolfley, who joined Paul Calvisi in naming the Saints as the best team after the latter had already tabbed New Orleans as such. Wolf swapped the Saints for his previous No. 1 team, the New England Patriots, who suffered a 34-10 defeat at the hands of the Tennessee Titans. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo 0 Comments Share Top Stories New Orleans Saints wide receiver Michael Thomas celebrates his touchdown in the first half of an NFL football game against the Cincinnati Bengals, Sunday, Nov. 11, 2018, in Cincinnati. (AP Photo/Gary Landers)2 Derrick Hall satisfied with D-backs’ buying and selling Related LinksThe Consensus Week 11: Hanging with KC doesn’t help Cardinals’ rankingsAnd this week, the Doug & Wolf show regulars welcomed a special guest, former Cardinal and current Buffalo Bills linebacker Lorenzo Alexander. He fell in line with Wolf and Calvisi by picking New Orleans atop his power poll of the five best NFL teams.Here’s a look at each of their picks after Week 10.Doug Franz5. Chargers4. Patriots3. Rams2. Saints1. ChiefsRon Wolfley5. Chargers4. Patriots3. Rams2. Chiefs1. SaintsPaul Calvisi5. Patriots4. Chargers3. Chiefs2. Rams1. SaintsLorenzo Alexander5. Patriots4. Steelers3. Chiefs2. Rams1. Saints Former Cardinals kicker Phil Dawson retires
Go back to the e-newsletter >Hawaiian Airlines has announced plans to introduce new luxury design elements and enhanced service options in its A330 premium cabins, including the addition of 180-degree lie-flat seats. The new seats have been designed in partnership with Optimares, an Italian manufacturer focused on traveller-centric design.“We have designed an experience that will usher in a new era in premium service to Hawai’i, one that resulted from a thorough review of guest feedback and intensive research to develop a best-in-class product for our long haul aircraft,” said Mark Dunkerley, President and CEO of Hawaiian Airlines. “Together with our partners at Optimares and PaulWylde, we have created a truly bespoke design that delivers world-class comfort and style, while staying true to our island roots. Whether travelling for business, with family or on a romantic retreat, the new premium cabin evokes an engaging bold, contemporary sense of Hawai‘i, complemented by the warm aloha spirit of our cabin crew. We’re creating an environment of tranquillity and comfort in the air.”The 180-degree seats will use a seat platform to fold into 76-inch beds, maximizing living space for travellers while providing options for both privacy and a shared flight experience. They will also feature an advanced in-flight entertainment experience powered by the next generation of large-format tablets and equipped with a telescoping tablet arm that adjusts to optimize viewing angle and comfort.“The new premium class product implemented exclusively for Hawaiian Airlines by Optimares has been developed around a clear strategic vision shared between the teams,” said Alessandro Braca, CEO of Optimares. “The product has been created for the unique needs and expectations of the Hawaiian Airlines guest, combining high-tech solutions and a truly innovative design.”Hawaiian worked with West Coast-based brand and design consultancy PaulWylde to translate the airline’s signature design language into the cabin experience. The cabin design will incorporate flowing curves while marrying organic textures, pops of bright saturated colour, and luxury materials like leather from Poltrona Frau.The first newly outfitted aircraft is expected to enter Hawaiian’s long-haul network in the second quarter of 2016. The airline will begin installing lie-flat seats in the remaining 22 A330 aircraft in September of 2016 through 2017.Go back to the e-newsletter >