JPMorgan’s RMBS Deal May Not Spur Demand for Similar Transactions

first_img Is Rise in Forbearance Volume Cause for Concern? 2 days ago  Print This Post The Best Markets For Residential Property Investors 2 days ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago June 13, 2016 1,506 Views Home / Featured / JPMorgan’s RMBS Deal May Not Spur Demand for Similar Transactions JPMorgan Chase Residential Mortgage-backed securities 2016-06-13 Brian Honea Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago About Author: Aly J. Yale Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img Related Articles in Featured, News Subscribe The Week Ahead: Nearing the Forbearance Exit 2 days ago JPMorgan’s RMBS Deal May Not Spur Demand for Similar Transactions Demand Propels Home Prices Upward 2 days ago Aly J. Yale is a freelance writer and editor based in Fort Worth, Texas. She has worked for various newspapers, magazines, and publications across the nation, including The Dallas Morning News and Addison Magazine. She has also worked with both the Five Star Institute and REO Red Book, as well as various other mortgage industry clients on content strategy, blogging, marketing, and more. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: JPMorgan Chase Residential Mortgage-backed securities Previous: Minnesota Courts Provide Troubling Clarification on Dual Tracking Laws Next: Deciding Where to Invest in the SFR Market Share Save JPMorgan Chase’s recent $1.9 billion residential mortgage-backed security (RMBS) transaction may not spur demand for similar transactions from other banks in the next few years for several reasons, according to a report from Moody’s Investors Service.According to the report, which was released this Thursday, not all banks will see the benefits or have the same costs as JPMorgan Chase when securitizing loan portfolios. Though deals like Chase’s could offer banks risk-weighted capital relief, the report says that banks will also consider the effect it will have on shareholder equity returns (ROE), as well as other unweighted leverage ratio capital requirements.In fact, the report says, with many of these deals, shareholder ROE could actually decline significantly. In a market where banks have seen ROE below the cost of capital since 2007, this will likely be a huge deterrent to similar RMBS purchases.Banks would need to return capital to the shareholders or choose to redeploy proceeds of the transactions into assets for those shareholders if they want to keep ROE steady. But even this, the report says, poses a problem.“Reinvesting released deal proceeds into assets yielding more than the non-retained securitization bonds could alter banks’ investment portfolios and risk profiles, something they might be unwilling, or unable, to do.”Though under the Basel III regulatory framework, banks may be able to use RMBS purchases to reduce risk weights and the burden of certain regulatory capital requirements, they also need to keep in mind the impact that securitization will have on other capital limitations. The Fed’s supplementary leverage ratio (SLR) constraints will be a big consideration.“The banks are already in excess of their 5 percent SLR requirement, with their most recently reported, fully phased-in ratios as follows: Bank of America (6.8 percent), JP Morgan (6.6 percent), and Wells Fargo (7.6 percent).”Another big concern for banks will be the weak secondary market, which has seen significant decreases in liquidity as of late, and high RMBS governance, which requires deal agents as well as compensation for those agents. According to the report, both of these issues will likely keep most major banks from following in JP Morgan Chase’s footsteps – at least for the short term.“Anecdotal evidence from investors indicates that a lack of secondary market liquidity is giving investors pause before they invest in subordinate tranches of RMBS securitizations. Investors have asked for yield premium to account for lower market liquidity, but determining how much that should be is likely to be challenging.”last_img read more

The Week Ahead: Could Employment Be on the Rise?

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago The Week Ahead: Could Employment Be on the Rise? in Daily Dose, Featured, Market Studies, News  Print This Post On Wednesday, Automatic Data Processing, Inc will release its February 2017 ADP National Employment Report, ADP Small Business Report, and ADP National Franchise Report. Using payroll data and representing nearly 24 million workers, the ADP National Employment report and ADP Small Business report are published by ADP research Institute in collaboration with Moody’s Analytics. Released apart from the National Employment Report, the ADP Small Business report details private sector employment in businesses with less 49 or less employees.In last month’s report, ADP National Employment rate for January experienced a positive change in U.S. non-farm sector employment of 240,000. The small business report showed an increase of 62,000 in employees, with growth in both major sectors. The goods-producing sector gained 46,000 jobs in January, and the service-providing sector gained 201,000 jobs. In the service-providing sector, only information-related positions saw loss, with a decline of 6,000 jobs.The Small Business Report from January additionally saw growth, as small business employment grew by 62,000 jobs. Very small businesses, as in businesses with 19 employees or less, gained 30,000 jobs alone. The goods-producing sector of small businesses gained 12,000 jobs, while the service-providing small business sector gained 50,000 jobs, half of which were in very small businesses.Upcoming NewsNeel Kashkari Speaks speaks at NABE conference in panel titled “A View from the FRB Minneapolis,” in Washington, D.C , Monday 3:00 p.m. ETConsumer Credit Report, Tuesday 3:00 p.m. ETMBA Mortgage Applications, Wednesday 7:00 a.m. ET Subscribe The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: CoreLogic Improves Accuracy of Loan Estimates with New Program Next: Would Supreme Court Nominee Neil Gorsuch Abolish CFPB? Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Employment Small Business Related Articles Servicers Navigate the Post-Pandemic World 2 days ago Employment Small Business 2017-03-03 Staff Writer The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago About Author: Staff Writer Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago March 3, 2017 1,243 Views Share Save Sign up for DS News Daily Home / Daily Dose / The Week Ahead: Could Employment Be on the Rise?last_img read more

Getting Involved and Staying Relevant in the Mortgage Industry

first_imgHome / Daily Dose / Getting Involved and Staying Relevant in the Mortgage Industry  Print This Post Schneiderman & Sherman 2017-10-09 Brianna Gilpin Share Save Getting Involved and Staying Relevant in the Mortgage Industry Sign up for DS News Daily Brianna Gilpin, Online Editor for MReport and DS News, is a graduate of Texas A&M University where she received her B.A. in Telecommunication Media Studies. Gilpin previously worked at Hearst Media, one of the nation’s leading diversified media and information services companies. To contact Gilpin, email [email protected] Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Tagged with: Schneiderman & Sherman The Best Markets For Residential Property Investors 2 days ago Related Articles Previous: Fannie Mae: Consumer Confidence Increasing? Next: HOPE Program: 10 Years Later Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 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 October 9, 2017 1,187 Views Neil Sherman, Managing Partner at Schneiderman & Sherman, speaks with DS News on advice to newcomers in the industry and how veterans can stay relevant by keeping abreast of the latest news and being involved in networking groups. Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Headlines, Market Studies, News About Author: Brianna Gilpin The Week Ahead: Nearing the Forbearance Exit 2 days ago Subscribelast_img read more

Can Homebuyers Get Better Government Loan Modifications?

first_img  Print This Post The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / Can Homebuyers Get Better Government Loan Modifications? Demand Propels Home Prices Upward 2 days ago Can Homebuyers Get Better Government Loan Modifications? Share Save The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 2 days ago Previous: California Mudslides Claim 17 Lives, Destroy 100 Homes Next: HUD’s Carson: ‘We Know How to End Homelessness’ Related Articles Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img Servicers Navigate the Post-Pandemic World 2 days ago January 11, 2018 1,864 Views A report titled Government Loan Modifications: What Happens When Interest Rates Rise?, released by the Urban Institute’s Housing Finance Policy Center (HPFC) is the second in a series of three briefs being published by the HPFC in association with the Mortgage Servicing Collaborative (MSC). The report examined the government loan modification products insured by the Federal Housing Administration (FHA), Department of Veteran Affairs (VA), or the US Department of Agriculture (USDA). It also explored how FHA, VA, and USDA borrowers who fall behind on their payments are unlikely to receive adequate payment relief when the market interest rate is higher than the original note rate.The report, covered a spectrum of topics such as the current loan modification suite for government mortgage loans; why government loan modifications do not serve borrowers when interest rates rise; potential solutions and recommendations for expanding the loss mitigation toolkit; and likely barriers to implementation and how best to overcome them.In its introduction, the report explained how government loan modifications in a rising rate environment made providing payment reduction more expensive and challenging, which in turn made it more difficult to cure delinquency resulting in more re-defaults and foreclosures, larger losses for government insurers, and greater distress for borrowers, communities, and neighborhoods. Additionally, the report noted that most government mortgage borrowers were first-time homebuyers and minorities, who usually had limited incomes and savings, making loan modifications all the more important.Arguing that with some changes to loan modification options at the FHA, VA, and USDA current and future delinquent borrowers could be better served in a high rate environment, the report recommended options such as modifying mortgages within the pool to eliminate re-pooling for FHA and USDA, and principal forbearance for the FHA, VA and USDA, which could increase payment relief.The report noted that these options would produce the largest payment reduction at the lowest cost, while the amount of payment relief could be increased by offering borrowers a Mortgage Insurance Premium reduction.To read the complete report click here. Tagged with: Borrowers Buyers default Delinquency FHA Foreclosures government loans loans mortgage USDA VA in Daily Dose, Featured, Government, News Data Provider Black Knight to Acquire Top of Mind 2 days ago Subscribe Borrowers Buyers default Delinquency FHA Foreclosures government loans loans mortgage USDA VA 2018-01-11 Staff Writer Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days agolast_img read more

Is Homeownership Living Up to Its Potential?

first_img Is Homeownership Living Up to Its Potential? Related Articles Sign up for DS News Daily July 9, 2018 1,444 Views  Print This Post Tagged with: First American Homebuyers Homeowners Homeownership Homes HOUSING Millennials Servicers Navigate the Post-Pandemic World 2 days ago Share Save The Best Markets For Residential Property Investors 2 days ago About Author: Krista Franks Brock First American Homebuyers Homeowners Homeownership Homes HOUSING Millennials 2018-07-09 Krista Franks Brock Previous: Fannie Weighs in on Homebuyer Sentiments Next: The Consumers vs. Home Prices in Daily Dose, Featured, Market Studies, News The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Krista Franks Brock is a professional writer and editor who has covered the mortgage banking and default servicing sectors since 2011. Previously, she served as managing editor of DS News and Southern Distinction, a regional lifestyle publication. Her work has appeared in a variety of print and online publications, including Consumers Digest, Dallas Style and Design, DS News and DSNews.com, MReport and theMReport.com. She holds degrees in journalism and art from the University of Georgia. Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 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 homeownership rate is not living up to its full potential, or so says the First American Homeownership Progress Index, released on Monday. Demand for owning a home grew one percent over the year in 2017, according to the index. However, “the actual homeownership rate underperformed potential demand by almost 9 percent,” said Mark Fleming, Chief Economist at First American.To examine the cause of this mismatch, First American reviewed “critical lifestyle, societal and economic trends that influence the likelihood of renting or owning a home,” Fleming explained. The current gap in potential demand versus actual demand can largely be attributed to lifestyle trends among young Americans. The millennial generation is pursuing higher education in larger numbers than previous generations and is delaying getting married and having children. All of these factors impact a person’s likelihood of owning a home, according to the report. “Homeownership is strongly correlated with marriage, and millennials are getting married later than earlier generations,” Fleming said. In fact, the rate is 30 percent higher among married couples than other types of households. Fleming pointed out that the median age for men and women entering a first marriage was about seven years more in 2016 than in 1960. Similarly, the rate is higher among households with children, although the difference is not as drastic. The homeownership rate is 5.4 percent higher for households with two children than for households with no children. It jumps another percentage higher for households with three or more children. However, millennials are doing something that correlates strongly with owning a home, and that’s pursuing education. “While important lifestyle decisions, such as marriage or owning a home, appear to take place later in life for millennials, they are getting educated in unprecedented numbers,” Fleming said. “As educational attainment levels increase, we can expect homeownership rates to eventually grow as well.” Not only is there a correlation between education and homeownership, but it has grown over time. “The impact of education in relation to homeownership has nearly doubled in 10 years,” Fleming said. The difference in homeownership rate between those with a college degree and those with no high school diploma was 11 percent in 1997. In 2017, the difference was 20.5 percent. Fleming suggested, “it is reasonable to expect homeownership rates to grow as millennials continue to make important decisions, including attaining an education and, later in life, getting married and buying a home.”“However,” he added, “the question remains: as millions of millennials look to purchase their first homes, will the housing market provide enough homes for them?” First American pointed out the states with the most growth in potential homeownership demand in 2017 were Indiana (2.6 percent), Oklahoma (2.4 percent), Georgia (2.4 percent), South Carolina (2.2 percent), and Arizona (1.9 percent). A few states experienced declines in potential homeownership demand in 2017, including Nebraska (-1.3 percent), Alaska (-0.8 percent), and Minnesota (-0.11 percent). Home / Daily Dose / Is Homeownership Living Up to Its Potential? Subscribelast_img read more

Predicting Homeowner Delinquency Risk

first_img Demand Propels Home Prices Upward 2 days ago Delinquency mortgage 2020-05-20 Seth Welborn Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Delinquency mortgage Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Predicting Homeowner Delinquency Risk The Best Markets For Residential Property Investors 2 days ago 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. Previous: OCC Finalizes Community Reinvestment Act Rule Changes Next: Do Forbearance Applicants Need Forbearance? May 20, 2020 1,709 Views About Author: Seth Welborn Related Articlescenter_img Home / Daily Dose / Predicting Homeowner Delinquency Risk The Best Markets For Residential Property Investors 2 days ago  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily February marked the 26th consecutive month of falling annual overall delinquency rates, according to CoreLogic. However, as the coronavirus (COVID-19) pandemic continues to impact the economy, and claims for unemployment insurance reach record highs, homeowners are at an increased risk of becoming delinquent in the coming months. The nation’s overall delinquency rate was the lowest for a February in at least 20 years. In that month, 3.6% of mortgages were delinquent by at least 30 days or more including those in foreclosure. This represents a 0.4% decline in the overall delinquency rate compared with February 2019.”Delinquency and foreclosure rates were at a generational low in February as the U.S. unemployment rate matched a 50-year low,” said Frank Nothaft, Chief Economist for CoreLogic. “However, the pandemic-induced closure of nonessential businesses caused the April unemployment rate to spike to its highest level in 80 years and will lead to a rise in delinquency and foreclosure. By the second half of 2021, we estimate a four-fold increase in the serious delinquency rate, barring additional policy efforts to assist borrowers in financial distress.”In February, for the fifth consecutive month, no states posted a year-over-year increase in the overall delinquency rate, and Mississippi and Maine (both down 0.9 percentage points) recorded the largest declines. Only four metropolitan areas recorded small increases in overall delinquency rates and eight recorded increases in serious delinquency rates.“After a long period of decline, we are likely to see steady waves of delinquencies throughout the rest of 2020 and into 2021,” said Frank Martell, President and CEO of CoreLogic. “The pandemic and its impact on national employment is unfolding on a scale and at a speed never before experienced and without historical precedent. The next six months will provide important clues on whether public and private sector countermeasures—current and future—will soften the blow and help us avoid the protracted, widespread foreclosures and delinquencies experienced in the Great Recession.”The share of mortgages that transitioned from current to 30-days past due was 0.9% in February 2020, down from 1% in February 2019. By comparison, in January 2007, just before the start of the financial crisis, the current-to-30-day transition rate was 1.2% and peaked in November 2008 at 2%. Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Market Studies, News Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Subscribelast_img read more

Homeownership’s Essential Ties to Wealth-Building

first_img Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles building wealth homeownership trends homeownership wealth Housing Trends 2020-11-10 Cristin Espinosa Sign up for DS News Daily Andy Beth Miller is an experienced freelance editor and writer. Her main focus is travel writing, and when she is not typing away from her computer at her home in the Hawaiian Islands, she is regularly roaming the world as a digital nomad, and loving every minute of it. She has been published in myriad online and print magazines, is a fan of all things outdoors, and finds life (and all of its business, technological, and cultural facets) fascinating in their constant evolution. She is excited to spectate as the world changes, and have a job that allows her to bring a detailed account of those constant shifts to her readers at home and abroad. Subscribe Demand Propels Home Prices Upward 2 days ago Tagged with: building wealth homeownership trends homeownership wealth Housing Trends  Print This Post Share 2Save Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Homeownership’s Essential Ties to Wealth-Building Previous: FHA’s Response to a National Health Crisis  Next: Health Crisis Makes Digital Readiness a Prioritycenter_img 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 in Daily Dose, Featured, News Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Andy Beth Miller November 10, 2020 1,074 Views A recent report from the experts at First American reveals the link between homeownership and wealth. The report specifically states that homeownership is a great way to build one’s wealth. Economists have long studied homeownership’s links to wealth, and have found owning a home to especially be beneficial in wealth-building in regards to low-income housing.In fact, First American was so adamant about how integral homeownership was in building wealth, the experts revealed that it is among one of the biggest factors: “For the majority of households that transition into homeownership, the most recent data reinforces that housing is one of the biggest positive drivers of wealth creation.”Speaking of data, the 2019 Survey of Consumer Finances, which collects various pertinent information regarding households’ finances, showed that the average homeowner possesses a staggering 40 times the household wealth of a renter (specific data pointed to roughly $254,900 for the homeowner versus $6,270 for the renter).The results of the survey do not reveal any direct cause and effect, and no expert insight is given regarding the distribution of wealth either. In light of this, when studying the variance between the wealth of renters and homeowners by income, it further strengthens the proof of the impressive wealth-building power that comes with homeownership.Specifically, data reveals that homeowners are wealthier than renters across the board, in every single income bracket (the one exception being the very top income bracket). To give you an idea with specific numbers, the income group of earners making the least amount of money—who were homeowners— posted an average net worth of $102,500. In contrast, renter households in that same income bracket were worth only $1,500. The report further revealed that in this lowest income category, 92% of total homeowner net worth was directly connected to the specific value of the residence. The Best Markets For Residential Property Investors 2 days ago Homeownership’s Essential Ties to Wealth-Building Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

Donegal football fans shut out from their accommodation in Poland

first_img Three factors driving Donegal housing market – Robinson LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Almost 10,000 appointments cancelled in Saolta Hospital Group this week Facebook By News Highland – June 10, 2012 Google+ Pinterest WhatsApp A Group of Donegal fans are amongst an estimatated 100 Irish soccer fans who were left without accommodation in Poland last night after they were refused entry to the campsite they had booked and paid for.Some Irish fans have been left forced to find alternative accommodation after a campsite in Poznan closedThe company which organised their accommodation said that it was making alternative arrangements for the fans.In a statement it blamed the closure of the site on a media campaign against it and what it described as “hostile treatment from the authorities”.Amongst those affected were four fans from Co Donegal and two from Co Meath, who had to sleep on a concrete floor in a building at an industrial estate last night.Before leaving Ireland, the fans had made their payments of €2,400 to the campsite operator using booking.com.Booking.com said it was working with Hotelioni to refund customers left without accommodation. Guidelines for reopening of hospitality sector published Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margey Twittercenter_img Donegal football fans shut out from their accommodation in Poland Previous articleDeutsche Bank figures show the high level of vacant property in DonegalNext articleLarge amount of vacant property in Donegal – Report News Highland Pinterest Newsx Adverts RELATED ARTICLESMORE FROM AUTHOR Calls for maternity restrictions to be lifted at LUH Twitter Google+ Facebook WhatsApplast_img read more

Gardai and council issue road warnings

first_img Pinterest Twitter By News Highland – December 4, 2010 WhatsApp Gardai and council issue road warnings Facebook Pinterest Twitter Gardai are advising people to continue to exercise extreme caution on the roads, with black ice now a major problem.Motorists are asked not to make unnecessary journeys, and gardai say people should use public transport where possible.Gardai are urging drivers to be conscious of the safety of pedestrians, and they’re urging pedestrians to avoid walking on the road and wear hi-vis jackets.Current indications are that temperatures are to remain very low and drop further later on and this will create further difficult driving conditions.Numerous collisions and incidents were reported in Donegal this morning, as widespread black iceled to the most dangerous driving conditions yet in the county. Three gritters went off the road in West Donegal, an indication of the seriousness of the situation.The council says it began gritting at 6am, but it rained and froze over, and the county’s roads were like ice rinks.The council will delay gritting until 8am tomorrow (Sun), but says motorists cannot take it as read that treated roads will be safe.Senior Council Roads Engineer Michael Mc Garvey says salt and grit supplies are being managed, but they have to be mixed, and that is compromising their effectiveness in places. He says the changed conditions are very serious……[podcast]http://www.highlandradio.com/wp-content/uploads/2010/12/michsat.mp3[/podcast] Previous articleInquest finds Letterkenny 8 year old died of an undiagnosed heart conditionNext articleRoads treacherous again tonight (Sunday) News Highland Facebook Dail hears questions over design, funding and operation of Mica redress scheme center_img Google+ 70% of Cllrs nationwide threatened, harassed and intimidated over past 3 years – Report RELATED ARTICLESMORE FROM AUTHOR WhatsApp Minister McConalogue says he is working to improve fishing quota Newsx Adverts Need for issues with Mica redress scheme to be addressed raised in Seanad also Google+ Almost 10,000 appointments cancelled in Saolta Hospital Group this week Man arrested in Derry on suspicion of drugs and criminal property offences releasedlast_img read more

Guide to help people who lost loved ones in Road Traffic Collisions launched

first_img RELATED ARTICLESMORE FROM AUTHOR Guide to help people who lost loved ones in Road Traffic Collisions launched Twitter Pinterest WhatsApp Google+ Pinterest WhatsApp Twitter Facebook Dail hears questions over design, funding and operation of Mica redress scheme Dail to vote later on extending emergency Covid powerscenter_img Man arrested in Derry on suspicion of drugs and criminal property offences released By News Highland – November 17, 2012 News Donegal Road safety group PARC has officially launched a new guide designed to help people who have lost loved ones in a Road Traffic collision.The book, which is the first of its kind in Ireland, lays out practical advice on the garda investigation, post mortem, inquest and any civil or criminal cases which may arise.PARC says the guide has arisen from pain, hurt, confusion and a lack of information resulting from a Road Traffic Collision:Spokesperson Susan Grey hope the guide will be given to people by the gardai and other agencies in the event they lose someone as a result of a car crash:[podcast]http://www.highlandradio.com/wp-content/uploads/2012/11/sus10.mp3[/podcast] 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 – Report Previous articleVigil for Savita organised for Letterkenny this SaturdayNext articleResidents in Derry City Council to be surveyed on their views for future of the city News Highland Google+ Minister McConalogue says he is working to improve fishing quota Facebooklast_img read more