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John Mayer Confirms Plans For Solo Tours Before And After Dead & Company

first_imgNow that Dead & Company has officially announced plans for a month-long summer tour, the question many John Mayer fans have been wondering is whether or not the guitarist would hit the road in support of his forthcoming solo album, The Search For Everything, due out sometime in early 2017. The answer to that question has now been answered.Dead & Company Announces Summer 2017 Tour DatesWith the Dead dates set and announced, Mayer has confirmed that he will be putting in some serious time on the road with a bit of a touring segue of his own, as he states in his most recent Facebook post, “The Search For Everything -> spring solo tour -> Dead & Co. summer tour -> solo summer tour -> tour tour tour.” So, fear not, all of you adoring John Mayer (solo) fans, this news should be just enough to whet those appetites. Take a listen to his latest single “Love on the Weekend” below.“Love on the Weekend”:last_img read more

Forced-placement requirements for flood insurance

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr As part of a recent appropriations bill, Congress extended the National Flood Insurance Program (NFIP) to September 30, 2020! The National Flood Insurance Act of 1968 (NFIA), as amended and implemented by Part 760 of NCUA’s regulations, generally requires that credit unions escrow premiums and fees for flood insurance when making, increasing, extending or renewing loans secured by residential improved real estate or mobile homes, unless the credit union or a loan qualifies for a statutory exception. Credit unions must also force-place insurance in certain circumstances, and the Office of the Comptroller of the Currency’s (OCC’s) recent $18 million consent order with Citibank, NA is an indication that regulators still take these rules very seriously. While we do not anticipate a wave of enforcement in this area, this may be a good opportunity to review your credit union’s policies and procedures for force-placing flood insurance. Let’s dive into the requirements.While there is no requirement to retroactively review its loan portfolio, if a credit union  determines at any time that a designated loan is not sufficiently insured, section 760.7 requires the credit union to force-place insurance at the borrower’s expense in an amount equal to that required under section 760.3. Prior to force-placing flood insurance, a credit union is required to provide a specific notice to the borrower. The regulation does not provide any model forms or specific language for this notice, only requiring that it inform the borrower that the borrower should obtain flood insurance for the remaining term of the loan and that the amount of coverage be equal to the lesser of the outstanding principal balance of the loan, or the maximum limit of coverage available under the NFIP.If the borrower fails to obtain flood insurance within 45 days of this notice, then the credit union is required to obtain flood insurance on any properties securing a designated loan by the 46th day after the notification. A credit union may comply with the force-placement requirement by purchasing an NFIP Standard Flood Insurance Policy or an appropriate private flood insurance policy in the amount required. Although this advanced notice requirement is similar to the 45 day advanced notice requirement under section 1024.37(c)(1)(i) of Regulation X’s mortgage servicing rules, there is no requirement to provide a reminder notice 15 days prior to force-placing insurance. The bureau clarified in its mortgage servicing final rule that flood insurance that is force-placed under the Flood Disaster Protection Act of 1973 is not covered under the definition of “force-placed insurance” from section 1024.37(a)(2) of Regulation X. continue reading »last_img read more

Di Canio: I want to win every game

first_imgPaolo Di Canio will use Sunderland’s Barclays Asia Trophy trip to Hong Kong to instil a winning mentality in his team. Press Association Di Canio added: “Even when I play cards with my daughter, I want to win every time. I want to upset her because I want to win. My mentality is to win every game. There are obvious priorities: the Premier League is more important than friendly games, but only if we deliver this mentality can we take every competition seriously. “So the Barclays Asia tournament is very important because we are going to face the top sides and it’s the dream of every player – this is the mission: to play every game against a top side. “The fact that we have the chance to do this in Hong Kong means only the country changes, not the desire, the commitment that we have to deliver on the field, so it’s a good opportunity. We want to win the tournament and we will do everything we can.” Di Canio’s reign at the Stadium of Light is still in its infancy after he was handed the task of retaining the club’s top-flight status with just seven games of last season remaining. He accomplished his initial task with the help of a morale-boosting derby victory at Newcastle and is now engaged in the process of rebuilding his team, and he knows there is hard work to be done during pre-season. Di Canio said: “My primary objective is to be the team that will fight every single game together, so for this we have to spend as much as we can the time together to bond and to become a very united team. “I want to deliver my message in the way we want to play – the tactical strategy – to deliver a clear identity in the way we want to play, and this period can help me a lot because we have the chance to stay all day together.” center_img The 44-year-old Italian and his players, who are due to return to training on Wednesday, will jet out to Asia late next month to take part in the tournament along with Manchester City, Tottenham and South China FC. However, Di Canio insists the Black Cats will not simply be going along for the trip, but determined to win the competition as they prepare for the new Barclays Premier League season. Speaking in a video interview with premierleague.com, he said: “I want to win every game. Even when we have a friendly game, I have a winning mentality.” last_img read more