CFPB issues guidance on important effective dates

first_img 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The CFPB  last week issued important guidance about the effective dates to amendments to its mortgage servicing rules. This is definitely something you should talk over with your vendor and/or IT person.In 2016, the CFPB finalized important amendments to its original mortgage servicing  and RESPA rules . The  amendments touched  on a broad range of subjects, from the identification and treatment of Successors in Interest  in estates with mortgaged property, to the legality of reaching out to  delinquent homeowners who declare  bankruptcy.Different parts of the rule were to take effect on October 19, 2017 and April 19, 2018.  Both of these dates fall on a Thursday, a fact  that Siri just  confirmed  for me.  If I’m not careful between Siri and Alexa I’m in danger of becoming a functional illiterate but I digress. continue reading »last_img read more

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Final Axe test for Wisconsin seniors

first_imgFor years they’ve been playing the Axe game, but for years it has been a one-sided affair. It’s been more than a decade since Minnesota took Paul Bunyan’s Axe from Wisconsin, and years since the game has been competitive. But with both teams ranked in the BCS and owning matching 8-2 records, change could be on its way.It will be the 123rd time the Badgers take on the Golden Gophers, the most played series among FBS schools. Arriving just weeks after Wisconsin’s second rivalry against Iowa, it’s clear this one means a little more.“It’s incredible the tradition behind it, and I think that’s just what sets it apart,” senior linebacker Ethan Armstrong said. “Just the ferocity of it being a rivalry game. They always say, ‘throw out the records.’”That’s what the last few games in this rivalry have required. At the time of its last three meetings, Wisconsin has been a combined 16-5 while Minnesota has arrived 7-13. The combined scores in those games have finished in the Badgers’ favor, a combined 121-49. And the beginning of the 2013 season didn’t seem like much had changed when the Gophers opened the Big Ten season with back-to-back defeats.But even as head coach Jerry Kill’s intermittent seizures caused him to leave the team indefinitely, the Minnesota season has turned with four straight conference wins, vaulting them into second place in the Legends division, giving them faint hope for a Big Ten Championship game birth. Although they might be new to the BCS standings, this is a much different Minnesota team from the beginning of the season.Likely the most noticeable difference is in the running game. The Gophers were run-oriented, splitting carries between four hands — two running backs, Roderick Williams Jr. and David Cobb, and two quarterbacks, Philip Nelson and Mitch Leidner.Since then, Cobb has taken over sole possession of the running duties while Nelson has solidified himself as the lone signal caller. Not surprisingly, both are playing their best football during the Gophers’ four-game winning streak.Nelson hasn’t thrown an interception since September, completing more than 63 percent of his passes and tossing seven touchdowns during that span of games. The 6-foot-2 sophomore from Mankato, Minn. is also an offensive threat in the running department.Nelson has rushed 78 times this season for six scores and 335 yards, a heavy load for any quarterback. Nonetheless, his running back is still getting plenty of touches.Over their four-game winning streak, Cobb has taken more than 26 carries for 142 yards on average. Needing just 58 yards Saturday, he would become the first Gopher to run for 1,000 yard since 2006.Minnesota’s attack brings memories of that Iowa game, with tough tight ends and bulky running backs. Armstrong said that type of game is either a linebacker’s dream or a linebacker’s nightmare, saying the pressure is put on wrapping up and finishing tackles.Defensive coordinator Dave Aranda noted the Badgers don’t want to let the Gophers into short third down situations. It’s that type of battle guys like Pat Muldoon enjoy, however.“It’s different, but it’s nice for us as d-lineman. We prefer it,” senior defensive end Muldoon said of the hard-nosed football decided in the trenches. “It’s going to come down to who is tougher, who’s going to be more physical at the point of attack … it’ll be important in this game.”That’ll come down to the likes of Muldoon and guys like Beau Allen, Ethan Hemer and Tyler Dippel, to name a few. Brendan Kelly’s name could also be in the mix. For guys like Kelly and Allen, this game has extra meaning. They are two of six Minnesota natives on the Wisconsin squad, joined by cornerback Keelon Brookins, offensive lineman Tyler Marz and long snappers James McGuire and Connor Udelhoven.“I know it means the most to the guys from Minnesota who can go home with bragging rights, like Beau,” Muldoon said. “He talks about this game nonstop. I know it’s important to him and guys like Brendan Kelly, all those guys.”The axe game will have an interesting coaching feel surrounding it. Kill will remain in his emotional role for the Gophers while it will be the first axe game for Wisconsin’s generally new set of coaches.The group has been around rivalries in previous positions — like BYU-Utah for head coach Gary Andersen — and will undoubtedly reference them in prep for Saturday. If they follow the players’ lead, though, most of them will have acclimated well.“In the beginning of practice, specialists will go out and we’ll have a 10-minute walk through and then we’ll start practice,” Aranda said. “The linebackers came out to my station during the specialist period to get extra work … the only time they’ve done that was before Ohio State and this week. So when I’m sitting over there by my trash cans in specialist period and the linebackers come running out there to get a head start, then you know it’s a different week.”Yeah, it’s the Axe week.last_img read more

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NFL picks, predictions against spread for Week 11: Patriots edge Eagles, Bears upend Rams, Cowboys top Lions

first_imgMORE NFL WEEK 11:Updated playoff picture | Power rankingsHere’s a complete look at our latest pigskin prognostications in managing the number for favorites and underdogs.NFL Week 11 picks, predictions against the spreadGame of the Week: New England Patriots (-3 1/2) at Philadelphia EaglesSunday, 4:25 p.m. ET p.m. ET, CBSThe Patriots usually play well after a bye under Bill Belichick. The Eagles, however, are coming off a bye themselves, and Doug Pederson did do some great big-game coaching against Belichick in the Super Bowl a couple years ago. Tom Brady has the bigger advantage against a bad Eagles secondary while Carson Wentz draws a tough, deep Patriots secondary. Philadelphia will run well enough to stay in the game, but Brady will outduel Wentz with a game-winning drive.Pick: Patriots win 27-24 but fail to cover the spread.Game of the Midweek: Pittsburgh Steelers at Cleveland Browns (-2 1/2)Thursday, 8:20 p.m. ET, Fox, NFL Network, Amazon Prime VideoThe Steelers are coming off massive wins against the Colts and Rams to get into AFC wild-card position behind the Ravens in the North. But the Browns are the ones who have beaten the Ravens, and despite the recent results, Cleveland is equipped better than Pittsburgh, especially offensively. The Dawg Pound will be pumped for prime time, and the Browns will continue to save face with a more settled Baker Mayfield outplaying Mason Rudolph.Pick: Browns win 24-20 and cover the spread.Upset of the Week: Chicago Bears (+7) over Los Angeles RamsSunday, 8:20 p.m. ET, NBCMitchell Trubisky used the Lions to break out of a massive slump while Jared Goff went deeper into his struggles against the Steelers. The Bears can run the ball on the Rams to make Trubisky comfortable while the Rams face more tough sledding for Todd Gurley and more pressure on Goff. Chicago should have a good fan presence, as well, Sunday night in Los Angeles.Pick: Bears win 23-20.Lock of the Week: Minnesota Vikings (-11 1/2) over Denver BroncosSunday, 1 p.m. ET, CBSWe picked on the Vikings as mild underdogs at Dallas in Week 10, and they decided to throw that in our face by holding off the Cowboys to get a big win. So now we’re making up for that disrespect by expecting them to dominate at home against the Broncos. Bad opponent at home in an early afternoon game? That’s easy pickings for Kirk Cousins.Pick: Vikings win 33-10 and cover the spread.Dallas Cowboys (-3 1/2) at Detroit LionsSunday, 1 p.m. ET, FoxThe Lions can’t stop Ezekiel Elliott or Dak Prescott in any way, including covering Elliott or Prescott’s wide receivers. The Lions also might be without Matthew Stafford for another week, and Detroit presents no threat in the running game. One-dimensional, downfield passing doesn’t work against Dallas.Pick: Cowboys win 31-14 and cover the spread.New Orleans Saints (-5 1/2) at Tampa Bay BuccaneersSunday, 1 p.m. ET, FoxThe Saints will go back to basics against the Bucs after losing to the lowly Falcons last week. The formula is leaning on their running game to open things up for Drew Brees downfield. From there, it’s being prepared to swarm Jameis Winston and force key turnovers. Winston has had some success against New Orleans, but it will be Tampa Bay’s overall defense that crumbles Sunday.Pick: Saints win 31-21 and cover the spread.Atlanta Falcons at Carolina Panthers (-5 1/2)Sunday, 1 p.m. ET, FoxThe Panthers should have no trouble running Christian McCaffrey to another big day, which will set up downfield shots to Curtis Samuel and D.J. Moore, receivers whose combined speed and quickness can give the Falcons’ secondary trouble. Atlanta will try to play divisional spoiler on the road in consecutive weeks, but Carolina tends to play better pass defense at home, and its opponent can’t exploit its weakness in run defense.Pick: Panthers win 30-20 and cover the spread.Jacksonville Jaguars at Indianapolis Colts (-3)Sunday, 1 p.m. ET, CBSNick Foles returns to start for the Jaguars but steps into a matchup against a defense that performs its best at home. Should Jacoby Brissett miss another game, the Colts might be in trouble with Brian Hoyer against Jacksonville’s pass rush and secondary. But let’s assume he will play and Indianapolis can grind out a win, this time with better clutch play in the fourth quarter. Pick: Colts win 23-19 and cover the spread.New York Jets at Washington Redskins (Pick ’em)Sunday, 1 p.m. ET, FoxThe Jets got a confidence-building win for Sam Darnold and Adam Gase with their defense also making big plays against the Giants. The Redskins will make a ton of mistakes offensively this week to help New York, while Washington can’t stop either Le’Veon Bell or Darnold’s veteran receivers.Pick: Jets win 23-16 and cover the spread.Buffalo Bills (-5 1/2) at Miami DolphinsSunday, 1 p.m. ET, CBSBuffalo is good at taking care of weak opponents, but ex-Bill Ryan Fitzpatrick has led Miami to two straight wins after scaring his former team on the road three weeks ago. Josh Allen will make a few more plays than Fitzmagic this time to save the day.Pick: Bills win 20-17 but fail to cover the spread.Houston Texans at Baltimore Ravens (-4)Sunday, 1 p.m. ET, CBSThis should be fun with Deshaun Watson and Lamar Jackson running wild and throwing deep. But the difference comes down to the Ravens being able to run the ball better in this matchup and having the superior, deeper secondary to limit the deep-ball damage. Watson will make one or two more key turnovers than Jackson, who will keep building his MVP case against another candidate.Pick: Ravens win 31-24 and cover the spread.Arizona Cardinals at San Francisco 49ers (-14 1/2)Sunday, 4:05 p.m. ET, FoxThe Cardinals made the 49ers sweat in Arizona a couple weeks ago, but even on a short week, San Francisco will be ready to take care of another division opponent at home in wire-to-wire fashion. The 49ers will fly out of the gate with Jimmy Garoppolo staying hot in this matchup. They’ll also run more effectively and get after Kyler Murray more often in the rematch.Pick: 49ers win 30-13 and cover the spread.Cincinnati Bengals at Oakland Raiders (-11 1/2)Sunday, 4:25 p.m. ET, CBSThe Raiders will just feed Josh Jacobs and watch him destroy the Bengals’ run defense, and Derek Carr also will make some comfortable deep plays off play-action. There’s no reason to think this tanking Cincinnati team will be competitive in the Black Hole against a team coming off a long week. Zac Taylor will be schooled by Jon Gruden and his staff.Pick: Raiders win 31-17 and cover the spread.Kansas City Chiefs (-3 1/2) vs. Los Angeles Chargers in Mexico CityMonday, 8:15 p.m. ET, ESPN The Chiefs were supposed to play this game in Mexico City against the other Los Angeles team last season, a shootout they lost in LA, instead. Kansas City will get back on track with plenty of Patrick Mahomes, set up well by the running game, ripping apart the Chargers’ defense. Philip Rivers will keep slumping against an underrated pass rush, and Melvin Gordon will not run well enough to save the night.Pick: Chiefs win 34-27 and cover the spread.Stats of the Week:Week 10 record straight up: 5-7Week 10 record against the spread: 6-6Season record straight up: 96-50Season record against the spread: 79-62Upsets of the Week: 5-5Locks of the Week: 4-6 Last week was another brutal one of NFL game picks and predictions thanks to plenty more surprising results that went against what we thought we know about teams. The only thing we can do is work to make our fearless forecast more formidable for Week 11.This week’s schedule brings us 14 more games with four teams enjoying late bye weeks. The matchups are still rather compelling, leading with New England and Philadelphia back in action.last_img read more

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