Fannie Mae Forecasts Economic Growth Despite Global Headwinds

first_imgSign up for DS News Daily in Daily Dose, Featured, News, Secondary Market Xhevrije West is a talented writer and editor based in Dallas, Texas. She has worked for a number of publications including The Syracuse New Times, Dallas Flow Magazine, and Bellwethr Magazine. She completed her Bachelors at Alcorn State University and went on to complete her Masters at Syracuse University. Previous: Lawmakers Aggressively Push GSE Reform Act Next: Shrinking REO Inventory Drives Down Cash Sales Share “Despite mixed housing and mortgage market data, our forecast for housing activity is little changed over the past several months,” Duncan said. “The supply of existing homes remains lean amid slowing new single-family construction, putting significant upward pressure on home prices. While this helps boost home equity, it hurts affordability, especially for potential first-time homebuyers.””Meanwhile, we expect mortgage rates to rise only gradually through next year, and an improving income trend should help support affordability. We foresee total home sales improving further in 2016, albeit at less than half of the 8.0 percent increase expected this year,” he said.Click here to view the full report. Fannie Mae Forecasts Economic Growth Despite Global Headwinds Related Articles Servicers Navigate the Post-Pandemic World 2 days ago  Print This Post Tagged with: Fannie Mae Housing Market U.S. Economy Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Fannie Mae Housing Market U.S. Economy 2015-11-19 Brian Honea Economic growth is expected to move upward in the fourth quarter following a disappointing third quarter, according to Fannie Mae’s Economic & Strategic Research (ESR) Group.The research shows that economic growth for all of 2015 is projected to reach 2.2 percent, with a another increase in 2016 to 2.4 percent. The ESR Group attributes the growth spurt to solid consumer spending growth, an uptick in construction activity, and growing home sales and prices. These positive economic condition should offset global headwinds.However, Fannie Mae reported that a strong U.S. dollar and weak global growth will likely continue to place negative pressure on manufacturing and exports in the near term.He continued, “An uptick in average hourly earnings and low unemployment numbers in the October jobs report are contributing to a positive outlook for consumer spending. In addition, recent data suggesting that consumers are becoming more comfortable using their credit cards and that banks are loosening lending standards amid rising demand for consumer loans bodes well for future growth.”In terms of the housing market, Fannie Mae says that “recent housing and mortgage news has been mixed.”Housing starts rebounded in September to more than 1.2 million units, following two months of declines, the report showed. Meanwhile permits and new home sales both decreased in September. Existing home sales did well in September, almost returning to July’s expansion best, while pending home sales fell.”We see consumer spending as the biggest driver of growth moving into 2016, backed by positive fundamentals including an improving labor market and household net worth.”Doug Duncan, Fannie Mae Chief Economist Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago About Author: Xhevrije West November 19, 2015 1,090 Views Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Subscribe Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Home / Daily Dose / Fannie Mae Forecasts Economic Growth Despite Global Headwindslast_img read more

Consumer Confidence Doesn’t Reflect Facts

first_img About Author: Seth Welborn  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Share Save The Best Markets For Residential Property Investors 2 days ago Seth Welborn is a contributing writer for DS News. He is a Harding University graduate with a degree in English and a minor in writing, and has studied abroad in Athens, Greece. An East Texas native, he also works part-time as a photographer. Consumer Confidence Doesn’t Reflect Facts Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured, Market Studies, News Demand Propels Home Prices Upward 2 days ago Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Consumer Financing mortgage 2017-03-27 Seth Welborn Home / Daily Dose / Consumer Confidence Doesn’t Reflect Facts Previous: ValuAmerica and Pavaso Announce Partnership Next: S&P Approves Altavera as RMBS Due Diligence Provider Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Consumer confidence toward applying for a mortgage is down slightly, according to the Federal Reserve Bank of New York’s Feburary 2017 Survey of Consumer Expectations Credit Access Survey. Of those surveyed, the number of those who were “too discouraged to apply” across all types of credits increased to 7.1 percent from 5.7 percent in its last release in October 2016.In addition, application and rejection rates dipped in February. Applications fell from 42.3 percent to 39.9 percent, while the rejection rate fell from 9.9 percent to 8.5 percent. With mortgages, more people feel discouraged to even apply. In October, 34.2 percent of those surveyed felt like they would be rejected if they were to apply for a mortgage, compared to 41.4 percent in February. However, slightly more applicants are looking to apply for a mortgage, up to 8.8 percent over October’s 7.5 percent.The share of those who plan on refinancing their mortgage decreased to 8.4 percent, from October’s 12.2 percent. CoreLogic’s Housing Credit Index (HCI) confirms the trend.“Refinance volume will decline with higher mortgage rates, and lenders generally will respond by applying the flexibility in underwriting guidelines to make loans to harder-to-qualify borrowers,” said Dr. Frank Nothaft, Chief Economist at CoreLogic, in a statement on the Index.The drop in confidence does not match the actual data, however. As consumers worry about rejections, the actual rejection rate increased only moderately from October to February, from 13 percent to 13.3 percent. Although less consumers plan on refinancing while more fear they will be rejected, the rejection rate for mortgage finances dropped from 23.6 percent to 10.8 percent. Additionally, CoreLogic’s HCI showed credits scores rising over the past year. The average credit score for homebuyers in Q4 2016 rose year-over-year from 733 to 737.View the Federal reserve Bank of New York’s report here. March 27, 2017 1,461 Views Tagged with: Consumer Financing mortgagelast_img read more

Which States Are Best for Millennials?

first_img About Author: Scott Morgan in Daily Dose, Featured, Journal, Market Studies, News The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily April 10, 2018 2,064 Views The Best Markets For Residential Property Investors 2 days ago Previous: Auction.com Adds Min Alexander as COO Next: Serious Delinquencies Still Elevated in Hurricane-Impacted Markets Scott Morgan is a multi-award-winning journalist and editor based out of Texas. During his 11 years as a newspaper journalist, he wrote more than 4,000 published pieces. He’s been recognized for his work since 2001, and his creative writing continues to win acclaim from readers and fellow writers alike. He is also a creative writing teacher and the author of several books, from short fiction to written works about writing.  Print This Post Tagged with: Affordability best states to live Homebuyers Millennial Homebuyers Millennials WalletHub Home / Daily Dose / Which States Are Best for Millennials? Demand Propels Home Prices Upward 2 days agocenter_img The Best Markets For Residential Property Investors 2 days ago Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Which States Are Best for Millennials? Servicers Navigate the Post-Pandemic World 2 days ago Subscribe Affordability best states to live Homebuyers Millennial Homebuyers Millennials WalletHub 2018-04-10 David Wharton Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Determining the best states for millennials to live in is not as straightforward as it might at first seem, but signs do point toward the upper Midwest. So says a new report from WalletHub that looks at where being a millennial is most fitting to budgets and lifestyles.Overall, WalletHub ranked the District of Columbia as the top place for millennials. Washington, D.C., ranked first overall in education and health, quality of life, and civic engagement. It also has the highest percentage of millennials already living there (though the number was not provided) and ranked 16th overall in economic health. Iowa and West Virginia offer the cheapest housing for millennials, according to WalletHub; Hawaii and California the highest. West Virginia was also second on the list of states with the highest percentage of millennial homeowners. One of the biggest issues millennials face, of course, is money. “Despite their trillion-dollar purchasing power and higher educational attainment, millennials are economically worse off than their parents,” the report stated. The reasons have to do with the financial crisis a decade ago.“Millennials have come of age and entered the workforce in the shadow of the Great Recession, which has significantly reduced their job prospects and earning potential for decades to come,” according to the report. “By one estimate, millennials today earn 20 percent less than Baby Boomers did at the same age.”That makes D.C. a little more of a question mark if money truly is a big concern. Though the district offers the highest average earnings for millennials, it also ranked 43rd overall in affordability. On the other hand, North Dakota, ranked number two on WalletHub’s list, was first overall in affordability and economic health. It also ranked ninth in quality of life, has the second-highest percentage of millennials, and the features lowest rate of unemployed millennials.Cold climes, in general, ranked high on the list. Minnesota, Massachusetts, Wisconsin, Colorado, and South Dakota, in fact, all ranked in the top 10.Texas, a popular state for millennials to make a home, ranked the second-most-affordable state for young Americans. The tradeoff is that, while the state rated well on quality of life and economic health, it ranked almost at the bottom for civic engagement, education, and health. That said, Texas has the lowest percentage of millennials suffering from depression. Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

Jamie Dimon: We’re Getting a ‘Bad Recession’

first_imgHome / Daily Dose / Jamie Dimon: We’re Getting a ‘Bad Recession’  Print This Post Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Coronavirus Jamie Dimon JPMorgan Recession 2020-04-06 Seth Welborn Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Jamie Dimon: We’re Getting a ‘Bad Recession’ Related Articles The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago April 6, 2020 1,817 Views Sign up for DS News Daily Share Save in Daily Dose, Featured, Government, News The Best Markets For Residential Property Investors 2 days ago JPMorgan Chase CEO Jamie Morgan expects the coronavirus crisis to include a “bad recession” and elements of financial strain similar to the 2008 downturn, he said in his annual report to shareholders.“We don’t know exactly what the future will hold—but at a minimum, we assume that it will include a bad recession combined with some kind of financial stress similar to the global financial crisis of 2008,” Dimon said in his annual shareholder’s letter. “Our bank cannot be immune to the effects of this kind of stress.”Dimon, who has returned to JPMorgan after a heart procedure last month, added that while JPMorgan “will participate in government programs to address the severe economic challenges, we will not request any regulatory relief for ourselves.”“After the crisis subsides (and it will), our country should thoroughly review all aspects of our preparedness and response,” Dimon said. “And we should use the opportunity to closely review the economic response and determine whether any additional regulatory changes are warranted to improve our financial and economic system. There will be a time and place for that—but not now.”Dimon adds that the bank’s earnings “will be down meaningfully in 2020” because of the coronavirus. He also warned that in an “extremely adverse” downturn in the U.S. economy, JPMorgan would probably consider suspending its dividend to preserve capital.Dimon also praised the Federal Reserve’s actions to relieve strains in financial markets, saying the central bank could take several more steps, including offering additional lending facilities and relaxing capital and liquidity requirements to boost the system if needed.For consumers, Dimon notes that JPMorgan is offering relief measures, including providing a 90-day grace period for mortgage and auto loan/lease payments and waiving any associated late fees.“We have the resources to emerge from this crisis as a stronger country,” Dimon said. The Week Ahead: Nearing the Forbearance Exit 2 days ago About Author: Seth Welborn Demand Propels Home Prices Upward 2 days ago Previous: The Impact on At-Risk Homeowners Next: Federal Reserve Announces Additional Relief Measures Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Tagged with: Coronavirus Jamie Dimon JPMorgan Recession Subscribelast_img read more

Housing Outlook Maybe Not as ‘Rosy’ as it Seems

first_img Demand Propels Home Prices Upward 2 days ago Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly, Salon.com, Dallas Observer, Edible, and the Dallas Morning News, among others. Subscribe Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Housing Outlook Maybe Not as ‘Rosy’ as it Seems Previous: How Real Estate Professionals’ Lives Are Changing Next: ‘Slow and Steady Decrease’: Shifts in Mortgage Forbearance Rates Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Loss Mitigation, News, REO The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago October 6, 2020 1,695 Views 2020-10-06 Christina Hughes Babb Share Save About Author: Christina Hughes Babb Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago  Print This Post In 2021, America will experience a shift in the housing market, as millions of borrowers will emerge from forbearance plans.  RealtyBid and parent company Covius Tuesday hosted a webinar entitled “A 2021 Housing and REO Outlook: What to Expect and How to Prepare.”The presentation featured a panel of industry veterans who discussed how to think ahead to and prepare for this development, what macro-economic factors will influence the 2021 housing market, appreciating and depreciating MSAs, how to consider modeling for borrower in-flows and out-flows, needed operational capacity, and best practices to test now for 2021 REO inventory.The panel included Allan Weiss, founder of Case-Shiller Weiss and of Weiss Analytics; Sean Ryan, founder and CEO of Aspen Grove Solutions; Joe Chappell EVP at Covius; and Pete Pannes, Chief Business Officer of Covius.The housing outlook might seem “rosy,” Weiss began, but tracking particular data—namely interest rates, forbearance numbers, and stimulus developments—”will give people a better sense of the news.”Weiss, shared macro-economic factors likely to influence the 2021 housing market and discussed how servicers and investors can evaluate properties for underlying appreciating or depreciating indicators. He has lived through and tracked a few major housing market disruptions in his career, and he says this “shock” is like no other.Rates are remarkably low, especially in relation to inflation, he said, but warned, “If and when rates adjust, the party will be over.”He used the term “forbearance,” he said, to describe all the things banks do to impact homeowners. He went on to note that, while loan mitigation has the potential to help situations for homeowners, “help prevent worst case scenarios,” certain actions by banks can cause homeowners who are “facing a liquidity crisis” to “throw in the towel.” Something like that, happening in bulk, and across the nation, would lead to the risk of prices falling and, worst case scenario, America could experience a $450 billion loss, he said.”Any sort of price reducing meltdown could set off a chain of events that needs to be managed now and not later,” he said. The course of COVID-19 and related stimulus provisions to Americans, he said, would “inextricably” correlate with the housing market’s trajectory.An in-depth interview with Weiss about the current recession can be read at Millionacres.com.Ryan also led off with the direct ties that bind the path of a pandemic to developments in housing and default servicing, an industry in which he has served 20 years.He agrees with Weiss, saying that “Covid 19’s impact on the mortgage servicing industry is unlike anything we have seen before, not just in the magnitude of the economic downturn but also in its suddenness.”Ryan quoted and backed Federal Reserve Bank of St. Louis President James Bullard, who said in September, “Simple mortality risk-mitigation strategies hold the promise of delivering higher household incomes along with lower fatalities from Covid-19, thus improving outcomes along both dimensions. The downside risk remains substantial and continued execution of a granular, risk-based health policy will be critical in the months ahead.”White Papers penned by Ryan in April, July and September—on modeling default projections and measures that servicers might take to prepare—were widely recognized for their cogency.He co-authored “Mastering the Hard Part: Creating Positive Forbearance Outcomes From COVID-19,” in which he helps “evaluate current trends and asses a likely range of outcomes using a novel approach based on forward-looking market segmentation, outlines how servicers can leverage technology to address these segments … and offers a new baseline trajectory given updated assumptions on the progress of efforts against the disease and the level of government unemployment support.”He’s also penned papers on “Digital Borrower Engagement” and contributed to “Forbearance in the CARES Act: A Review of Issues, Impact, and Mitigation Strategies,” to name a few.His papers can be read in full on Aspen Grove Solutions’ website.Chappell who said, the pandemic is driving the “need for ongoing calibration” inside the industry,  took an operator’s view of designing processes and modeling capacity to assist borrowers exiting forbearance, using leading borrower indicators as well as external data, including MBA data, and models like Aspen Grove’s.Pannes said that while REO inventory is at historic lows, now is the time to test the readiness of teams, tactics, and strategies.Learn more about the contact of this webinar at Covius.com. Home / Daily Dose / Housing Outlook Maybe Not as ‘Rosy’ as it Seems Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily last_img read more

No delay in opening of Altnagelvin Radiotherapy Centre – Wells

first_img Pinterest Twitter Google+ The North’s new Health Minster has again insisted money is in place to complete the new Radiotherapy Unit at Altnagelvin Hospital and that the project is on track to be finished by mid 2016.There were suggestions last month that budgetary problems may hamper plans for staff training, and that could push back the opening of the new North West Radiotheraphy Unit by around six months.However new Health Minister Jim Wells has confirmed to Highland Radio News there will be no delays………..Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2014/10/radiotherapyguarantee.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. 448 new cases of Covid 19 reported today Three factors driving Donegal housing market – Robinson Pinterest Nine Til Noon Show – Listen back to Wednesday’s Programme Facebook Google+ No delay in opening of Altnagelvin Radiotherapy Centre – Wells Homepage BannerNewscenter_img WhatsApp RELATED ARTICLESMORE FROM AUTHOR Previous articleFour Donegal players named among the 2014 Football All StarsNext articleConcern at the lack of resources for child welfare services in Donegal News Highland News, Sport and Obituaries on Wednesday May 26th WhatsApp Facebook Help sought in search for missing 27 year old in Letterkenny NPHET ‘positive’ on easing restrictions – Donnelly By News Highland – October 23, 2014 Twitterlast_img read more

Failte Ireland gives optimistic outlook for 2011

first_img Pinterest Guidelines for reopening of hospitality sector published RELATED ARTICLESMORE FROM AUTHOR Previous articleIndependent election candidate calls for rates reviewNext articleNew EU bus rules don’t go far enough – Harkin News Highland Facebook Google+ Three factors driving Donegal housing market – Robinson Failte Ireland gives optimistic outlook for 2011 NPHET ‘positive’ on easing restrictions – Donnelly Newsx Adverts Facebook WhatsAppcenter_img Calls for maternity restrictions to be lifted at LUH Twitter Pinterest Google+ A 2011 Tourism Industry Briefing held today in Letterkenny has been told that tourism in the North West can recover in 2011.The event outlined Failte Ireland’s plans for the year, the current tourism outlook and how it is working with the industry members in the North West region.CEO Shaun Quinn says in 2011 prospects will improve by focusing more than ever on the performance of the overseas markets.[podcast]http://www.highlandradio.com/wp-content/uploads/2011/02/seanfailte.mp3[/podcast] Twitter By News Highland – February 15, 2011 WhatsApp LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Almost 10,000 appointments cancelled in Saolta Hospital Group this weeklast_img read more

DAAA protests ouside County Council meeting

first_img Pinterest Twitter By News Highland – February 25, 2013 A protest is being held in Lifford today outside a meeting of Donegal County Council.Donegal Action Against Austerity campaigners says they are taking the action due to the inaction of Donegal County Councillors.The campaigners says that Donegal County Councillors, and particularly those in government parties, are not being vocal enough in opposing cuts, new charges and new legislation.Spokesperson Joe Murphy says the councillors are not representing those that elected them:[podcast]http://www.highlandradio.com/wp-content/uploads/2013/02/joe1pmPROTESTS.mp3[/podcast] Google+ Facebook Google+ WhatsApp WhatsApp Guidelines for reopening of hospitality sector published Calls for maternity restrictions to be lifted at LUH Pinterestcenter_img Previous articleCollective horse meat response tops Brussels agendaNext articleBoxing – Quigley Crowned Champion But Disappointment For Mc Laughlin News Highland Twitter News RELATED ARTICLESMORE FROM AUTHOR Almost 10,000 appointments cancelled in Saolta Hospital Group this week Facebook DAAA protests ouside County Council meeting LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Three factors driving Donegal housing market – Robinson Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margeylast_img read more

O’Domhnaill concerned at amount of signage on the N56

first_img Twitter Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margey Guidelines for reopening of hospitality sector published Facebook RELATED ARTICLESMORE FROM AUTHOR Almost 10,000 appointments cancelled in Saolta Hospital Group this week Pinterest LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Calls for maternity restrictions to be lifted at LUH Previous articleQuestions about cost of excavator at LGH were first asked last yearNext articleSeamus Daly remanded in custody on Omagh bomb charges News Highland A Donegal councillor calling for an inventory of signage on the N56, saying there appears to be an absolute glut of signage on the route.Cllr Seamus O’Domhnaill says these include Speed signs, directional signage and general distance signage but also new tourism signage, including the Wild Atlantic Way.He says while these initiatives are welcome, it means that between Creeslough and Dunfanaghy there are approximately 119 posts carrying various signs erected by Donegal County Council and the NRA.Cllr O’Domhnaill says agencies need to work together to come up with a more ensure that better signage protocols are implemented…………Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2014/04/sodsigns.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. WhatsAppcenter_img Pinterest Twitter By News Highland – April 11, 2014 Google+ O’Domhnaill concerned at amount of signage on the N56 Need for issues with Mica redress scheme to be addressed raised in Seanad also Facebook News WhatsApp Google+last_img read more

Eircom and Government accused of Arranmore Island snub

first_img Almost 10,000 appointments cancelled in Saolta Hospital Group this week Previous articleOvercrowding crisis worsens at Letterkenny General HospitalNext articleMan appears in court in connection to weekend shooting in Churchill News Highland Twitter Facebook WhatsApp By News Highland – January 6, 2015 Google+ Eircom and Government accused of Arranmore Island snub Both Eircom and the Government have been criticised by the Arranmore Island Community Council for what has been suggested is a deliberate snub to the islands community.Eircom has confirmed that the island is not in it’s eFiber broadband plans while the government’s rural broadband scheme will not deliver increased speeds until 2020.It is claimed that a lack of broadband on the island is costing hundreds of potential new jobs.Council spokesperson Jerry Early says such a snub would not be accepted anywhere else:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2015/01/early1pm.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Facebook LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Google+center_img Twitter Minister McConalogue says he is working to improve fishing quota Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margey RELATED ARTICLESMORE FROM AUTHOR Pinterest Homepage BannerNews Pinterest WhatsApp Need for issues with Mica redress scheme to be addressed raised in Seanad also 70% of Cllrs nationwide threatened, harassed and intimidated over past 3 years – Reportlast_img read more