ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The Home Affordable Refinance Program (HARP) expires at the end of 2015. It’s been a great opportunity for millions of Americans to refinance to lower rates even when they owed more than the value of the home. But some estimates indicate there are still millions of eligible borrowers who have not taken advantage of it. Is this an opportunity for Credit Unions to be memberlicious?I think so………….HARP is truly a great program for borrowers. It can save them hundreds of dollars on a monthly payment or reduce the term of their loan. There are criteria to qualify for HARP, but the main points are below:A borrower eligible for HARP if they meet all of the following criteria:The mortgage must be owned or guaranteed by Freddie Mac or Fannie Mae.The mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009.The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.The current loan-to-value (LTV) ratio must be greater than 80%.The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months. continue reading »
Ron DuBois has seen both extremes of the basketball coaching spectrum. He’s spent time in the NBA with the perks of coaching in one of the world’s premier leagues. He’s also endured 10-hour rides on public buses through the deserts of Mexico with live chickens just rows behind him, just to get to his team’s next game.Now at the University of California-Santa Cruz, DuBois is using the tools he’s learned along his expansive journey, the Xs and Os, as well as motivational and personal skills to rebuild the Division-III program.Even though NBA players are the best in the world at what they do, they’re still people, DuBois said. And while basketball is their job, he said, they can still be talked to just like anyone else.DuBois has brought that mindset to UC-Santa Cruz, albeit from a reverse outlook. Though his players don’t have scholarships, they still play the same game he coached in the NBA.“I feel like Division III now is really what the model of college basketball was about way back in the day,” DuBois said. “I think it’s the truest form of college basketball, and because it’s non-scholarship, I think the players are in it for the right reasons.AdvertisementThis is placeholder text“Not that Division-I players are in it for the wrong reasons, I just think Division III is what being a basketball player at the college level is all about.”DuBois, 35, played collegiately at Arizona State and assistant coached for the Phoenix Suns and Memphis Grizzlies. He’s coached in Europe and Mexico, as well as in Memphis, Tenn., with Division-III Rhodes College.In August 2012, he was hired at Division-III UC-Santa Cruz, before the Banana Slugs went 7-18 this season. Despite the season’s lopsided record, his players have confidence in DuBois and his coaching background to elevate the program.DuBois learned his pick-and-roll, seven-seconds-or-less offense from Mike D’Antoni while with the Phoenix Suns from 2001-03. In Memphis from 2007-08, DuBois learned his man-to-man defense from Kevin O’Neill and Marc Iavaroni.“To work in the NBA for two different teams as an assistant coach was a goal of mine. It was a dream, and I just feel so fortunate that, that came true,” DuBois said. “But I also had a dream to be in the position where I have my own program, near my family and have that stability and consistency that’s pretty rare to find at the top levels professionally.”His goal in his first year at Santa Cruz was to change the mindset of the program. He focused on three prominent points: Trust in each other, the system and oneself, stay in the moment and create a team brotherhood.The Slugs improved on all throughout the season.“He’s a teacher. He’s constantly teaching because he knows so much,” guard James Townsend said. “I feel like it’s making me better and it’s making the team a lot better because we’re getting all the experience that he has. He’s really trying to share everything he knows with us.”Townsend and DuBois work out every day and talk about the future they envision. Townsend said he’s confident that by the time he graduates UCSC, it’s going to be one of the top teams in Division III.DuBois instilled that confidence in his players.“He’s definitely going to take us to a place UC-Santa Cruz basketball has never been,” sophomore guard Marshal Arnwine Jr. said. “I really feel that he’s the right person to get us to every goal that we’ve set.”He’s been around the globe, but to DuBois, it’s still basketball. His NBA pedigree gives him a different perspective than most coaches at the Division-III level, and that’s what gives his players the confidence he can bring them to the top of Division-III basketball.“Everyone has a scrapbook,” DuBois said. “I don’t really tell a lot of stories or anything. I just stay in the moment where I’m at and coach these guys.“What I’ve learned is that even though the highest levels have these really great players, they’re still all just people. They’re all human beings and everyone’s just working hard.” Comments Facebook Twitter Google+ Published on March 7, 2013 at 12:56 am Contact Josh: email@example.com
The UNITE HERE Local 11 union will be releasing a statement regarding their new pay agreement with administration later this week on Friday evening or Saturday morning.To finalize the agreement with the university, workers must go through a voting process. Voting will take place all day Thursday and for part of Friday. The votes will be counted Friday evening , and a statement about the results will be released later that day or Saturday.The workers’ current contract has been expired since June 30. The contract is in response to protests and rallies by Local 11 union workers and the Student Coalition Against Labor Exploitation, which both wish to see an increase USC workers’ low wages and the implementation of full-time hours.
Barcelona and Real Madrid maintained their 100% starts to the season with La Liga victories on Sunday.Lionel Messi notched a hat-trick in Barca’s 3-2 victory in Valencia , while Cristiano Ronaldo was on target as Real out-played Athletic Bilbao 3-1.Messi fired the visitors into a three-goal lead before Helder Postiga hit back with a brace for Valencia in the space of 50 seconds.All five goals came in an action-packed first half.Meanwhile, Isco scored twice at the Bernabeu where Ibai poached a 79th minute consolation for Bilbao.Both Spanish giants have taken nine points from their opening three games.