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Olympia Mortgage Lender Creates Lasting Relationships With Home Buyers

first_imgFacebook19Tweet0Pin0 It’s the personal relationships that mean the most to William Tuning.  You may not think of your mortgage lender as a close friend, but according to Tuning that’s just because you have not met him yet.When Tuning stepped out of the corporate banking world, it was because he missed the face-to-face interactions he had with customers.  He wanted to return to making people’s dreams come true through home ownership.  Along the way, he has formed lasting relationships with his customers.Take Char for instance.  Tuning explains that she was under a time crunch to facilitate a VA loan.  “I threw out all the stops and during the process we became friends.  Throughout her loan process, when she was getting her car serviced, she stopped by and we shared lunch,” explains Tuning and did so on more than one occasion.  (His West Olympia office is located near the Olympia Auto Mall.) After her loan closed I was among her friends at her house warming party as if we had known each other 40 years.“That’s why you get into the business.  It’s for the relationships,” says Tuning.  It’s doesn’t matter to me if it’s a $1 million mortgage or a loan for $100,000, it’s all the same to me.”The joy that Tuning experiences when the transaction is complete and the family moves into their new home is just as great.“Recently I helped a young family buy a modest home in Shelton. They had grown frustrated working with a big bank due to a language barrier and the bank being too busy to help them.  They didn’t speak English well and I was stretching to remember my high school Spanish.  The couple worked hard and had saved all their dollars for the down payment for their dream home.  I worked very hard to close by an extended holiday weekend so that they could move into the home when they already had a few extra days off,” recalls Tuning.In Tuesday’s mail was a handwritten thank you card.  “The couple recognized my effort to get the home closed so that they could move in and not take extra time off,” he says.To many that home may not be much, but to them it was their castle.“For me, it’s those victories that make this career so worthwhile.  These are the things that keep me coming back every day regardless of how many regulations and processes change in the mortgage industry,” he summarizes.To learn more about William Tuning and his approach to helping people achieve home ownership, click here.You can reach William Tuning directly at 360.539.4687 or via email at [email protected]last_img read more

Cornell-Technion Green Campus Gets NYC Nod

first_imgBy late October 2011, a number of big-name universities, including Cornell, New York University, Stanford, and Columbia, were competing vigorously for approval to develop a major technology campus in New York City.The city’s selection process is still underway, but on December 19 word spread that Cornell, which partnered with Technion–Israel Institute of Technology on its development proposal, had been selected to build New York’s principal tech campus, the lead facility in what local officials call the Applied Sciences NYC initiative.The remaining competition participants – Carnegie Mellon, Columbia, and NYU – are still in the running for whatever additional science-and-engineering partnerships the city might approve as part of Applied Sciences NYC. (Stanford announced on December 16 that it was withdrawing from the competition.)A net-zero goalA Cornell press release explained that as currently envisioned the 10-acre Cornell/Technion campus – on Roosevelt Island, in the East River – will be organized around three interdisciplinary hubs: connective media, healthier life, and the built environment. Over the next 15 years, the complex will grow to include more than 1.3 million square feet of built space and, in keeping with Applied Sciences NYC’s goal of academic and business collaboration, serve as a living laboratory for energy efficient building and renewable-energy systems. By 2043, the campus is expected to include about 2 million square feet of housing for as many as 2,500 students and 280 faculty members.A 150,000-square-foot core academic building is being designed and built to perform at net zero energy, while other campus buildings are expected to qualify for the LEED Silver or Gold standard and yield about 30% greater energy efficiency than comparably sized buildings built to code. The campus will be served by a photovoltaic system with a peak generation capacity of 1.8 megawatts. The project also will include a geothermal system with 400 wells, each about 500 feet deep, spread out over four acres.A philanthropy group founded by billionaire Cornell alum Charles Feeney donated $350 million to the project, and the city has granted Cornell/Technion $100 million to assist with site infrastructure, construction, and related costs. Environmental and land-use reviews are expected to be completed by the end of 2013, and groundbreaking on the first phase of construction is expected by early 2015.last_img read more

Mithali Raj and Jhulan Goswami feature high in ICC’s Women’s Player rankings

first_imgMithali Raj was the best-placed Indian batswoman at number three while Jhulan Goswami was the country’s highest-ranked bowler at second in the ICC Women’s T20I Player Rankings which were launched in Colombo on Monday. Another Indian, Harpreet Kaur, was in the sixth spot in the batting list. Mithali had 652 rating points while Jhulan rose to the second position with 653 points. Amita Sharma took the fifth position in the all-rounder’s charts with 205 points. England’s Sarah Taylor and Lisa Sthalekar of Australia were the number one ranked batswoman and bowler, respectively. The launch ceremony took place two days before the start of ICC Women’s World Twenty20 in Galle. Taylor, who recently won the ICC Women’s T20I Cricketer of the Year Award, leads the batting table with 691 ratings points. England captain Charlotte Edwards is in second spot and trails Taylor by just nine points. The top 20 list includes five batswomen each from Australia and England, three from West Indies and two each from India and New Zealand. In the bowlers’ category, Australia’s Lisa Sthalekar leads the field with 666 ratings points, followed by Goswami of India with 653. The bowlers’ table features five players from Australia and seven from England. Sthalekar has picked 56 wickets in 46 T20Is with a best of four for 18. Only Anisa Mohammed of West Indies has picked more wickets (62 in 43 T20Is). Sthalekar also leads the all-rounders’ category with 356 ratings points, thanks to 604 runs in addition to those 56 wickets. West Indies’ Stafanie Taylor is in second place with 353 points.advertisementlast_img read more

22 days agoBarcelona keeper Ter Stegen: Everything in order between players and board

first_imgBarcelona keeper Ter Stegen: Everything in order between players and boardby Paul Vegas22 days agoSend to a friendShare the loveBarcelona goalkeeper Marc-Andre Ter Stegen insists there’s no problem between the players and the board.Gerard Pique has accused board members of planting stories in the local press blaming the players for their poor start to the season.But after victory in the Champions League against Inter Milan, Ter Stegen said: “Between the team and the board of directors, everything is in order and the rest… “I am happy to be here and play football… And nothing more. “This is a club and what you have to do is be united.” About the authorPaul VegasShare the loveHave your saylast_img read more

Ezekiel Elliott Got His Wisdom Teeth Out, And The Painkillers Haven’t Worn Off Quite Yet

first_imgA closeup of Ezekiel Elliott during an Ohio State game.GLENDALE, AZ – JANUARY 01: Running back Ezekiel Elliott #15 of the Ohio State Buckeyes on the sidelines during the BattleFrog Fiesta Bowl against the Notre Dame Fighting Irish at University of Phoenix Stadium on January 1, 2016 in Glendale, Arizona. The Buckeyes defeated the Fighting Irish 44-28. (Photo by Christian Petersen/Getty Images)Ohio State running back Ezekiel Elliott, the star of the College Football Playoff, underwent surgery to remove his wisdom teeth Friday morning. Judging by the way he’s been acting on Twitter, the painkillers he was given afterwards haven’t quite worn off. He’s been hilarious for over an hour now.it was a success! pic.twitter.com/5ZmEV0VpdW— Dawn (@itz_mizdee) February 6, 2015Fresh out of wisdom teeth surgery— EzekielElliott#⃣1⃣5⃣ (@EzekielElliott) February 6, 2015“@ArianFoster: In the dentist about to go under to get the wisdom out of my teeth, and they have Mike Jack playin’. Smh” twins— EzekielElliott#⃣1⃣5⃣ (@EzekielElliott) February 6, 2015Someone come take care of me— EzekielElliott#⃣1⃣5⃣ (@EzekielElliott) February 6, 2015Baddies only lol— EzekielElliott#⃣1⃣5⃣ (@EzekielElliott) February 6, [email protected]_8 sympathy nuggets. The plan in infallible— EzekielElliott#⃣1⃣5⃣ (@EzekielElliott) February 6, 2015Sooooo hungry— EzekielElliott#⃣1⃣5⃣ (@EzekielElliott) February 6, 2015Omg mashed potatoes— EzekielElliott#⃣1⃣5⃣ (@EzekielElliott) February 6, 2015“@gkeyknee: @EzekielElliott sounds like you’re thirsty…” Get off my— EzekielElliott#⃣1⃣5⃣ (@EzekielElliott) February 6, 2015My dad has left me home alone. Stranded to die— EzekielElliott#⃣1⃣5⃣ (@EzekielElliott) February 6, 2015Guess he doesn’t love me— EzekielElliott#⃣1⃣5⃣ (@EzekielElliott) February 6, 2015I think Zeke’s pain pills are working.— Ben Axelrod (@BenAxelrod) February 6, 2015Keep doing you, Zeke.last_img read more

Latest census numbers showcase Canadas everevolving ethnic diversity

first_imgOTTAWA – A decade ago, the CBC series “Little Mosque on the Prairie” won international acclaim for its depiction of Muslims trying to make their way in a rural Saskatchewan town.At the time, Saskatchewan was home to about 33,900 visible minorities — about 3.6 per cent of its population — and the show broke new cultural ground with its awkwardly hilarious choreography of Canadian multiculturalism’s delicate dance.But the land of the living skies now has a visible minority population of 63,275, driven by rising waves of immigration that have turned the fictional world of “Little Mosque” into a new Canadian reality.Take the tiny town of Frontier, Sask. — home to 280 people in 2006, just 20 of them immigrants.Ten years later, the population sat at 415, including 120 immigrants — dramatic growth driven largely by a local farm equipment manufacturer who found newcomers to Canada to be the only way to address his labour woes.Many of the workers Honey Bee Manufacturing brought in were from the Philippines; that country generated 15.6 per cent of all new immigrants to Canada between 2011 and 2016, followed by India at 12.1 per cent and China at 10.6 per cent.But while populous provinces like Ontario and B.C. were once the destinations of choice for new arrivals, more and more of them have been flocking to the Prairies, lured by more promising work prospects.The percentage of new immigrants living in Alberta reached 17.1 per cent in 2016, compared with 6.9 per cent in 2001; In Manitoba, it went to 5.2 per cent, up from 1.8 per cent; and four per cent in Saskatchewan, up from one per cent 15 years earlier.Where the jobs have been for the last five years is where the immigrants are going, said Lori Wilkinson, a sociology professor at the University of Manitoba who directs a research group focusing on immigration in the West. In Alberta, growth in employment reached 7.8 per cent during the census period, compared with a national average of just five per cent.And while the downturn in the oil and gas economy in the last year has surely slowed some growth since the census, economic immigration remains the dominant motive in attracting newcomers.“We’re looking for people to fill gaps in the labour market,” Wilkinson said.In Saskatchewan, as elsewhere, there’s been a commensurate spike in the number of newcomers who enter under the family reunification class, as well as refugees.During the first four months of last year, refugees accounted for one-quarter of all immigrants admitted to Canada, a spike Statistics Canada attributes to the massive wave of refugees from Syria who arrived in 2015 and 2016.Rhonda Rosenberg, the executive director of the Multicultural Council of Saskatchewan, tells a story of Mennonites reaching out to recently arrived Syrians in the town of Rosthern, Sask.The Mennonites quickly realized their pork-heavy diet wasn’t suitable for Muslims, and the two sides worked together on a more amenable menu. A wider understanding of the two faiths has since evolved, and with it, a better sense of community.“It’s better and it’s worse at the same time,” Rosenberg said of how the province has welcomed newcomers over the last decade.“There are better systems in place, there are more organizations working to be welcoming and inclusive and those are all good things. On the other hand, we’ve got that permissive climate to express hate … we see that here too.”Saskatchewan, like many provinces, has seen anti-refugee and anti-immigrant groups gain visibility in recent months, especially in light of racially charged protests and counter-protests in the U.S. over the summer.A sense from non-visible minorities that they are under threat has led to the explosion of the so-called “alt-right” in the U.S., sentiment that’s also believed to be fuelling the populist political movement there and around the globe.In the U.S., the visible minority population rests at about 37 per cent.The census data released Wednesday showed that in Canada, the visible minority population has reached 7.7 million, 22.3 per cent of the overall population and seven times the number first reported in 1981.In Canada, however, the forces that could drive populist political forces are far broader than the immigration debate, said Frank Graves, president of Ekos Research, which has studied the issue extensively in recent months.“As immigration has unfolded, it is largely seen as softening, not hardening, attitudes to diversity,” Graves said.“The rise in those more negative outlooks … are the people who are feeling more economically vulnerable and who aren’t doing well in the economy.”Another supposed bulwark against a populist sentiment overtaking Canadian politics is the electoral system, where ridings dominated by visible minorities are also proving to be ridings central to any party’s hopes of forming a government.In time, Statistics Canada will use the immigration data it published Wednesday and break it down according to the federal electoral map.The 2011 national household survey found nearly three dozen ridings where visible minorities made up at least 50 per cent of the population, and a further 77 where visible minorities were between 20 and 50 per cent, according to an analysis by Andrew Griffith, a former director of multiculturalism and citizenship for the federal government.That number is sure to go up, and parties will in turn seek to court those votes, not alienate them, Griffith said.“This will continue to influence electoral strategies of all parties.”last_img read more

High oil prices an Achilles heel for Indian economy

first_imgSingapore: The surging price of oil is an Achilles heel for the Indian economy, complicating its inflation, current account, fiscal balance and currency outlook, a market report by Singapore’s DBS banking group has said. “The sharp rally in oil weighed on all asset classes; USD-INR jumped to 69.87 high before closing slightly lower, while equity markets ended in red,” said the report by Economist Radhika Rao and FX Strategist Philip Wee of the DBS Group Research Also Read – Thermal coal import may surpass 200 MT this fiscalFor bond markets, the worry is two-pronged with the concern being that high oil prices might pose a fresh risk to the fiscal math, if subsides return, by extension requiring higher borrowing, said the duo. Also, pipeline inflation risks due to high oil prices further raise the hurdle for rate-cuts. The Reserve Bank of India’s minutes from the April meeting had already left the market divided– some see members as keeping the door open for rate cuts on worries over growth, whilst rest see the RBI cautious over inflationary risks, said Rao and Wee. Also Read – Food grain output seen at 140.57 mt in current fiscal on monsoon boost”These themes are likely to keep 10-Year INR bond yields (generic) above 7.45% this week, with break below to be shallow,” said the duo in the report. “2028 paper tested past 7.6% yesterday (Monday) and is likely to move in the higher 7.55-7.65% band this week. We had noted last week that short-tenor yields (1Y-2Y) have already bounced off lows; nonetheless sharper jump in 10Y yields saw the curve return to a widening bias,” the report said.last_img read more

Gonzaga coach With Ohio State its pick your poison

PITTSBURGH – Survive and advance. That’s the mentality many basketball teams adopt in the NCAA Tournament. Ohio State is not one of those teams. The No. 2 seed Buckeyes will face No. 7 seed Gonzaga Saturday after defeating Loyola (MD), 78-59, Thursday, but the Buckeyes were not satisfied with their performance. Sophomore forward Deshaun Thomas, who scored a career-high 31 points in OSU’s first game, said he was treating the performance as a loss. OSU committed 18 turnovers Thursday and many Buckeyes said that if they continue to be careless with the ball against Gonzaga, they might be sent packing. “I think the first thing that jumps out at us is our inability to take care of the ball,” sophomore guard Aaron Craft said. “Turning it over 20 times is something we can’t do especially against a great team like Gonzaga tomorrow.” Gonzaga played pressure defense against No. 10 seed West Virginia in their first NCAA Tournament game en route to a 77-54 victory. OSU has never played the Bulldogs, but Gonzaga matched up with both Illinois and Michigan State earlier in the season. Gonzaga lost both games by seven points. Despite being a mid-major in the West Coast Conference, Gonzaga reminds OSU coach Thad Matta of teams in the Big Ten. “There’s a lot of similarities to their transition half-court offense to Michigan State,” Matta said. “And (they resemble) Indiana with their personnel. “ Gonzaga coach Mark Few said the Buckeyes will be a tough matchup for his team, but thinks he has the players to compete. “This is going to be a very difficult matchup for us, but at the same time we have good bigs, they have good bigs,” Few said. “The strength and the core of this team was built around our inside guys … much like Ohio State.” The inside play for Gonzaga starts with 7-foot senior center Robert Sacre who was named his conference’s defensive player of the year. He averages 11.7 points and 6.3 rebounds per game on the season and had a team-high 14 points in the victory against West Virginia. Sacre will likely be matched up with OSU sophomore forward Jared Sullinger, who has averaged 21 points per game since the Buckeyes entered the postseason. Sullinger said he got a chance to watch Sacre a little bit before OSU’s game. “He was good. He was athletic,” Sullinger said. “He did a little bit of everything for them.” Sullinger had 12 points and 11 rebounds against Loyola (MD). Thomas has been the guy leading OSU as of late, though. At 21.5 points per game, he’s been OSU’s leading scorer through the postseason. Thomas has scored in double digits in each of the last 10 games. “Deshaun is probably one of our most consistent players throughout the however many games we’ve played,” Matta said. “What he’s brought to this team has No. 1 been his consistency and No. 2 guys look at him and see the effort and the commitment he’s made to do other things.” Thomas’ 31 points Thursday made him one of seven Buckeyes all time to score 30 points in an NCAA Tournament game. “I was just trying to get to the right spots at the right time,” Thomas said of his performance. “Then I was just knocking them down. I was just feeling it a little bit.” Few said that because OSU has scoring options like Thomas and Sullinger, it’s hard to focus on any one guy. “You’re just going to have to pick your poison on how much defensive attention you give to Sullinger when you have other great players like (senior guard William Buford) and Thomas and Aaron Craft,” Few said. Gonzaga and OSU will tip off at about 2:50 p.m. at the CONSOL Energy Center in Pittsburgh. read more

Specialty Argument from Mike Misick could delay or stop trial start

first_imgFacebook Twitter Google+LinkedInPinterestWhatsApp Facebook Twitter Google+LinkedInPinterestWhatsAppProvidenciales, 08 Dec 2015 – Next was a substantive application filed on behalf of former Premier, Michael Misick. Fiery Queen’s Counsel, Ralph Thorne who represents Misick said his client is protesting the trial as ‘unfair’. The specialty argument threatens to end or delay the proceedings as Thorne has given a preview of what he wanted to present when court resumed at 2pm.The changes over the years including the number of counts which have gone from 26 to 23 to 16 to 17 expose, in Misick’s view, the erratic nature of the trial. In fact Michael Misick’s counsel will challenge the ‘regularity of the trial.’ Andrew Mitchell for the SIPT called the beginnings of the specialty argument ‘reprehensible.’ Mitchell, who today demonstrated obvious signs of exasperation at the litany of challenges by Michael Misick explained to Harrison that QC Thorne ought know better than to be a “mouthpiece of political concerns” for the ex-Premier. Thorne defended that it is a constitutional not political point, that he has an obligation to his client and intends no disrespect and stated that his motion will surround the view that the trial is ‘UNFAIR.’ Thorne had only moments before argued that it was preposterous that a new or amended witness list was provided to the various legal teams today. Justice Harrison asked QC, Andrew Mitchell to provide a ‘final and formal’ document listing over 100 witnesses for the trials. During the roll call, all defendants were present. Helen Garlick, Special Prosecutor, was also at court today; she appeared much later in the morning. Related Items:andrew mitchell, Helen garlick, justice paul harrison, michael misick, ralph thorne, trial, unfair Recommended for you Thorne, QC maintains SIPT Trial is political vendetta Forbes murder trial pushed to Sept BOYCE FIRES HER ATTORNEY, as SIPT Trial continueslast_img read more