FHFA Seeks Input on Front-End Credit Risk Sharing

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Tagged with: Credit Risk Sharing Transactions FHFA Front-End Risk Sharing Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Previous: Freddie Mac Starts Selling Reperforming Loans Next: Fed Asks Morgan Stanley to Resubmit Capital Plan Subscribe Credit Risk Sharing Transactions FHFA Front-End Risk Sharing 2016-06-29 Brian Honea About Author: Brian Honea June 29, 2016 1,095 Views The Best Markets For Residential Property Investors 2 days ago  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days agocenter_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 Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / FHFA Seeks Input on Front-End Credit Risk Sharing For the last three years, the GSEs have engaged in a number of credit risk sharing transactions in order to transfer more of the risk on the loans it guarantees to private investors.Most of the credit-risk transactions conducted by Fannie Mae and Freddie Mac have been of the back-end variety, meaning the loans where for which the risk is transferred are already on the GSEs’ balance sheets—as opposed to front-end risk sharing, which means the credit risk is transferred to a third party at the time the loan is originated—prior to the GSEs’ acquisition of the underlying mortgage.On Wednesday, the GSEs’ conservator, the Federal Housing Finance Agency (FHFA), issued a Single-Family Credit Risk Transfer Request for Input (RFI) for their ongoing analysis of front-end credit risk transfer transactions. The RFI seeks feedback from stakeholders on proposals to adopt more front-end structures and other credit risk transfer policy issues.Also on Wednesday the Agency published its Credit Risk Transfer Progress Report for June 2016, which provides an overview of how the GSEs share credit risk with the private sector through credit risk transactions and includes an update on the status and volume of credit risk transfers through the end of 2015.The progress report also includes a discussion on different transaction structures, investor participation, and the cost of credit risk transfer transactions to the GSEs, according to the FHFA.“The Credit Risk Transfer Progress Report demonstrates transparency and documents that there has been a great deal of progress in the credit risk transfer market in a short period of time, even though the market is still relatively young,” FHFA Director Melvin L. Watt said.  “The Request for Input demonstrates our commitment to build upon the progress and expand the array of credit risk transfer products.  Feedback from stakeholders is critical as we explore additional ways to enhance these programs and expand the investor base.”The deadline for parties to provide input on the topics identified in the RFI is August 29, 2016. Input can be submitted electronically or via mail to Federal Housing Finance Agency, Office of Financial Analysis and Modeling, 400 7th Street, S.W., 9th floor, Washington, D.C., 20219.Click here to view the FHFA’s Request for Input.Click here to view the FHFA’s Credit Risk Transfer Progress Report for June 2016. FHFA Seeks Input on Front-End Credit Risk Sharing Share Save Demand Propels Home Prices Upward 2 days ago Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Sign up for DS News Daily in Daily Dose, Featured, News, Secondary Marketlast_img read more

Sea turtle lays eggs in Boracay

first_imgBut marine biologist Haron Deo Vargassaw this as an indicator that despite human presence, the sea turtle trusts thebeach enough that her eggs won’t disappear.  Because the Olive Ridley sea turtlepopulation is already vulnerable, the law prohibits people from capturing,killing or domesticating these turtles.(Witha report from GMA News/PN) An Olive Ridley sea turtle is seen laying its eggs on the beachfront of a resort in Boracay Island, Malay, Aklan on Tuesday last week. The Department of Environment and Natural Resources came to the area and built a fence around the eggs to protect them. HARON DEO VARGAS/ MÖVENPICK RESORT & SPA BORACAY The Department of Environment andNatural Resources (DENR) quickly came to the area and built a fence around theeggs to protect them. Considered among vulnerable speciesdue to its decreasing population, the turtle was discovered to lay over 106eggs, the resort said on its social media post. MALAY, Aklan – An Olive Ridley seaturtle laid its eggs on the beachfront of a resort in Boracay Island lastweek.    The occurrence proves to be quitestrange since sea turtles are known to lay eggs in hidden areas where no humancan disturb them.  last_img read more

Elsie M. Lecher, 87

first_imgElsie M. Lecher, 87, of Greensburg passed away on Thursday, April 13, 2017 at Hickory Creek Nursing Home.Elsie was born in Campbell County, Kentucky to Clyde and Alma Carolyn (Messmer) Clark.Elsie graduated from New Point High School. She worked as a secretary for Doctor Wood, she was the bookkeeper of St. Mary’s for 17 years, and she worked for Wickens Insurance in Greensburg. Elsie was a member of St. Mary’s Catholic Church, the Beta Sigma Phi Sorority, and the Evening Bells Home-Ec Club. She enjoyed cooking, baking, and gardening.Elsie was married to Joseph J. “Joe” Lecher on February 23, 1952 and he preceded her in death on June 17, 2014.She is survived by two sons; David Lecher, Greensburg, Mike (Barb) Lecher, Greensburg, two grandchildren; Clark (Michelle) Lecher, Lebanon, and Elizabeth Lecher, Lebanon, and several nieces and nephews.She was preceded in death by her parents, brother; Howard Clark, and two sisters; Ruth Windgassen, and Edith Hamer.A Rosary will be prayed at 3:30 pm on Wednesday followed by visitation from 4 to 7 p.m. at Porter-Oliger-Pearson Funeral Home in Greensburg.A Funeral Mass will be held at 10:00 a.m. on Thursday, April 20, 2017 at St. Mary’s Catholic Church with Rev. John Meyer officiating.Interment will follow at St. Mary’s Catholic Cemetery.Memorials may be made to the St. Mary’s Church Building Fund or to Susan G. Komen.Online condolences can be made at www.popfuneralhome.comlast_img read more

Lady Bulldogs Battle Lady Tigers In Volleyball

first_imgBatesville splits with Lawrencebug in a long heartbreaker of a night.From JV coach Shelly Prickel:  The JV Lady Bulldog volleyball team made their last home match count with a commanding 25-21, 25-19 victory over EIAC rival Lawrenceburg. Monica Gerstbauer was the team leader from the service line earning 7 points including an ace while connecting on all 13 of her serves. She also set up a formidable offensive attack with 21 assists on 47 set attempts. Kelsey Shupe continued her dominance in the front line with a team high 10 kills, while fellow outside attacker, Anna Bauer, notched 7 kills to help secure the win. Lily Abplanalp and Maria Weisbrod were solid in the back row with 6 and 5 digs respectively. The team will travel to East Central to vie for the EIAC Conference Tourney Championship on Saturday to conclude their season. The ladies have worked hard for their 18-2 record.​Varsity:  L-burg won 25-16, 21-25, 25-16, 18-25, 16-14. The varsity match had everything an avid fan could ever want:  point runs, lead changes, hotly contested plays and five sets that went extra innings.  Each team had their own ups and downs.  While it is a loss​,​we have b​e​en focusing on our end goals and that is a sectional run.  There can be no doubt that the sectional is not a give’me for anyone.  We continue to be a hard team to beat and that was evident tonight.  We lost composure in the last points and it cost us the set, but our fight never stopped.  These girls are le​arning through the school of hard knocks and will only benefit from there struggles.​  #11 Jenna Ertel finished ​with 23 digs and 30 receptions.  #7 Kylie Laker had 19 assists, 5 aces and 11 digs, & Morgan Meyer had 19 kills & 19 digs.We are in competition at the Brebeuf pre-state invitational on Saturday starting at 9:00 against silver creek.  The JV will play same time at the ​East Central EIAC Conference tourney.Courtesy of Bulldogs Coach Jody Thomas.last_img read more

West Florida Win Series,Drops Finale

first_img April 29, 2007 Box Score  VALDOSTA, Ga. – In Blazers Tommy Thomas’s final home game as head coach after a 40-year career, Valdosta State (27-28, 8-10 GSC) upended West Florida (36-17, 10-8 GSC) 5-2 in the conclusion of their three-game series Sunday afternoon at Billy Grant Field in Valdosta, Ga.West Florida put up the initial run of the game with one in the first inning. With two outs Bo Williams (Ocala, Fla./ Pensacola Junior College) singled through the left side of the infield, and two batters later Jacob Whisenhunt (Mobile, Ala./ LB Wallace CC) drove in Williams with an RBI double to right center field.The Argonauts added to their lead with one run in the second inning. Kyle Andrews (Fort Walton Beach, Fla./ Fort Walton HS) led of the inning with a single to right field, and scored on a sacrifice bunt by Kyle Brown (Gulf Breeze, Fla./ Gulf Breeze HS).Valdosta State took the lead with four unanswered runs, three in the fifth inning and one in the eighth inning, giving the Blazers a 4-2 lead. In the fifth, an Argonaut error and a pair of hits by Richard Flores and Rance Morgan drove in the first run. Following a hits bats man to load the bases, Nick Copeland hit a two-run single to center field. In the seventh, another Argonauts error put the first base runner on and once again Copeland singled to the outfield driving in the Blazers run.The Blazers added an insurance run in the bottom of the eighth inning to go up 5-2. Justin Huff led off the inning with a double and score on another Argonaut error.With the victory the Blazers clinch the fourth place in the Gulf South Conference East Division. West Florida claimed third place in the GSC East Division after sweeping yesterday’s double header over Valdosta State. The top four seeds for both the GSC East and West Divisions earn GSC tournament bids.Up next for the Argonauts is the GSC Tournament, West Florida will play the second seed from the West Division on Saturday at 7:30 p.m. in Millington, Tenn. The tournament is double elimination format and the winner earns a bid in the NCCA regional tournament.Follow all the action with “Live Stats” and listen to the every game live at goargos.comPrint Friendly Version West Florida Win Series,Drops Finale Sharelast_img read more

Domestic Sports Need a Trigger, Like Nigerian Music Got Tu Face…

first_imgThose who do not believe our local sports industry can be the next big thing should look back at the developments in our entertainment industry, especially music and comedy. In the early 1990s your party or event had to be ‘local’ for the DJ to play Nigerian pop music. Today, if the DJ does not play Nigerian songs at least 80% of the time, your party, however highbrow it is, would not rock. Same can be said of Nigerian comedy which was only fit for ‘un-international’ people, but now thrills audiences around the world. Back then musicians and comedians commanded insignificant wages, while brand endorsement deals were a rarity. Today, domestic sports have little appeal, but are there disruptors out there that can change that?​:H aving played in the marketing communications industry since the early 90s I have had direct dealings with some of the game changers. I will tell you two stories to illustrate why I believe that the sentiments towards domestic sports can change dramatically in the coming years and why the early runners: businessmen and sponsors who get in now, may profit immensely.In late 1995 I was returning from Ibadan where I was responsible for marketing the Ibadan Polo Tournament, when I met the legendary comedian Ali Baba standing by the Mobil Filling Station in Maryland waiting for a cab. I was in a chartered cab and I offered him a ride. I had known him casually for a few months because a brand I was managing was involved in sponsoring the Bisi Olatilo Show on AIT. Ali Baba was a fresh, shy support act on the show. On this day he appeared almost embarrassed that I was giving him a ride, perhaps, because unknown to me, he was already a rising star.He quickly launched into how well he was doing and how he had a couple of end-of-year shows lined up that would pay him about N40,000 and N50,000 respectively. I thought he was bragging about his fortunes, as at that time, a good second car – which was the rave for guys our level – was about N40,000-N50,000. Who would pay a comedian that amount I thought. I was badly mistaken. He refused to be priced cheaply and got his way. Just a few months later he had become a genuine star. I remember reading in one of the tabloids that he had bought two cars. Ali Baba had basically pioneered the era of comedy as a lucrative career and business.About the same time the popular musician Lagbaja was soaring into orbit. His Motherland hangout in Opebi had become the place to be seen. The guy was raking in millions weekly, we were told. Three years earlier, while working in Vigeo Limited, I had paid the same guy N30,000 for a birthday gig. As part of his crew then was a young singer called Sunny Nneji, anyone remember him? But the music story I want to tell is that of Tu Face and the Plantashun Boyz.In 2001 I sold an advertising campaign idea to one of my clients looking to relaunch their once popular analgesic brand. Our strategy was to utilize the Plantashun Boyz. The youngster had had a first wave of success, but their brand had cooled a bit. Still there was some marketing potential there. They did four amazing jingles for us, but the brand handlers, not having a real advertising culture, shied away from the cost of radio advertising. However we ran the print and outdoor ads sparingly and also used them for a calendar. For the entire campaign we paid the group one million naira. I remember them coming to our offices in a beat-up minivan that I recall had problems once or twice.Not long after that music moguls Kenny Ogungbe and Dayo Adeneye took over the management of Tu Face – and from what I recall of the stories, bought him a decent second-hand jeep, rented an apartment for him in the more upscale Festac town, released African Queen, and fame and the millions rolled in. Local musicians have not looked back since.So can the same happen in sports? Can there be a spark that transforms the industry into one that packs millions of paying fans into our stadiums across the country every year; a development likely to explode investments in the industry? I believe so. Very much.Maybe football will finally live up to its top billing, maybe some other sport will come along and wake everybody up, but the ingredients are there, waiting; waiting for a moment of inspiration. We are a sporting people, we have great numbers, we have extremely strong economic potential, we have an amazing country with great topography; we have everything as a country to attract the world and sponsors. We just need a trigger.Nigeria needs this because of how big sports can be. Today most of our sponsorship naira goes into entertainment, but that goes against global norms. IEG, the leading global authority on sponsorship, says sports events hold the largest market share of sponsorship dollars in the world, accounting for a whopping 66%. Following sports is entertainment and attractions which accounts for a mere 11%.We don’t need the entire population to change things, we don’t even need government to lead the process. All our sports need is a game changer like Ali Baba or Tu Face and the rest will be history. I am myself involved in a tennis project with a few forward-thinking partners. We want to rip up the rules. So maybe in 2018 history would be made. Who knows?Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more

Volunteers, Donations Needed to Give Olympia’s Historic Eagles Building a Facelift

first_imgSubmitted by the Fraternal Order of Eagles Aerie #21The historic Eagles Building on the corner of 4th and Plum is getting a facelift this August. One of the most visible historic landmarks buildings in Olympia is located on the corner of Plum Street and 4th Avenue in downtown Olympia.   Sadly, it has also become one of the most unsightly buildings in our area.  The building is home to The Eagles Club and is still a vibrant community center located in what was once a beautiful building.  However its façade has faded; its exterior has become dilapidated.  The Eagles Club wants to change that and we need our communities help. Facebook41Tweet0Pin0center_img What is the Project?  A group of local Olympians is raising money and recruiting volunteers to repaint the exterior of the Eagle’s Club Building in late August 2014.  A core planning team has already identified 20% of resources needed to paint the building.  Our goals include:100 volunteers$7,500 – for paint and equipment rentalsPainting contractor assistance for 3rd story workProject SponsorsDocumentarians to record this moment in historyThe Grand Ballroom is one of the areas biggest event venues with the largest wood dance floor in town.As part of the project, we have received a grant of $6,000 from Puget Sound Energy towards replacing the second and third story windows.  The energy savings alone will be a tremendous help for the Eagles organization and the exterior improvement with new windows will be transformative.  The cost of replacement, however, is $12,000 so our donation drive is more important than ever.Why Should We Paint it?  The answer is obvious!  Located at 4th and Plum streets, the Eagle’s Club is the ‘Gateway to Olympia’.  Rolling off of I-5 at the Port of Olympia exit, it is one of the first things you see welcoming you to our fair city.  In fact, it’s on the short list of the five ugliest buildings in all of Olympia, much to the frustration of the hard working Eagle’s membership.  Eagle’s Club members have been raising funds for this painting project, but this is an expensive building to paint using professional painting contractors.  By mobilizing volunteer painters and garnering donations, we know we can make this happen.What is the Eagle’s Club?  For over 100 years, the Olympia Fraternal Order of Eagles Aerie #21 has served as a community center in Olympia.  The F.O.E. was founded in February, 1898 by six theatre owners gathered in a Seattle shipyard to discuss a musician’s strike. After addressing the matter, they agreed to “bury the hatchet” and form “The Order of Good Things.” As numbers grew, members selected the Bald Eagle as the official emblem and changed the name to “The Fraternal Order of Eagles.”For years, the Eagles Club has hosted some of the biggest events in town.  The Ballroom boasts Olympia’s biggest wooden dance floor and the space has a 200 person capacity.  The Grand Ballroom has hosted countless wedding receptions, galas, and fundraisers for many local and national groups such as Safeplace, Thurston County Food Bank, Capital City Pride, The Humane Society, Procession of the Species, and many others.  The Eagles Club continues to raise money to help fund the Fraternal Order of Eagles Diabetes Research Center (FOE DRC) at the University of Iowa (UI), as well as many other organizations in need.  They have given so much to the greater Olympia community.  It is now time to give back by helping them and by reviving this beautiful façade.What Can You Do?  Help is certainly needed as the project start date is looming and we are far from our goal.  Become a volunteer painter, join the paint support team, host a fundraiser, be a donor, or a documentarian.If you would like to donate to the project, please click HERE to donate online.  Even small donations can go a long way.If you or your business would like to volunteer please click HERE to learn more and sign up.Please contact Nicole Mercier at 360 485-7390 if you have any additional questions about the project or would like to know more about getting involved.last_img read more

Dead Poets Group to Discuss Ginsberg

first_imgATLANTIC HIGHLANDS – The newly formed Dead Beat Poets Society will be reading “Howl” by Allen Ginsberg at 11 a.m. Tuesday, Feb. 5, at the borough library, 100 First Ave.Published in 1955, “Howl” has been called a groundbreaking masterpiece that changed the course of American poetry.  Its use of language and imagery led to the arrest of its publisher in 1956 and an obscenity trial that exonerated Ginsberg and defined “obscenity” for the future.Copies of the poem are free and available at the library. The discussion is open to the public. For more information, email [email protected]last_img read more

SB Begins Process of Redeveloping Business District

first_imgBy John Burton SEA BRIGHT – As the borough continues its long journey toward restoration and rebuilding after the devastation of Sandy, discussions are beginning to outline what changes should be made to the borough’s downtown business district.“What we’re envisioning is a total redevelopment of the downtown area,” Borough Councilman C. Read Murphy said.Discussions on what would or should be done to the commercial area “is really preliminary.” While there hasn’t been any formal discussion about it yet, Murphy said there have been very informal talks about what the future should look like.What is being floated mostly involves the western side of Ocean Avenue/ Highway 36 to be reserved for a stretch of local businesses.Murphy said, first and foremost, any plan would have to address revised elevation for any rebuilding that might occur.Borough officials are awaiting the Federal Emergency Management Agency (FEMA) announcement regarding new elevation requirements to try to prevent a reoccurrence of the flooding and damage caused by the late October storm and its accompanying tidal surge. That announcement is expected at any time now, Murphy said.Preliminary talks have centered around having a possible elevation that is 15 feet higher than the current standard as the benchmark for future development, the councilman said. There also has been preliminary discussions about erecting an elevated boardwalk in front of the elevated business.The plan is expected to encourage mixed-use development, combining retail and other businesses with residential units on upper floors, Murphy said.“We haven’t nailed any of this down yet,” Murphy stressed.As for any future redevelopment, “We’re looking at a myriad of different ways of doing that,” including possible public/private partnerships, he said.“We’ve had assurances from the governor (Chris Christie) and lieutenant governor (Kim Guadagno) that they’ll assist us and aid us in this process,” Murphy said.Calls this week to the governor’s office seeking comment were not returned.Northshore Menswear on Ocean Avenue was destroyed during the storm. Its owner, Brian George, has temporarily relocated to Rumson but expects to be back in the borough by March 1.He acknowledged there is a plan but that could be as far away as two years.“The main thing right now is to get the businesses opened” by the all-important summer season, George said.Many of the buildings have been so severely damaged that they have been condemned and will have to be rebuilt. Others will require substantial work to get them ready for businesses to return, George said.The possible plans he has heard about for a future downtown meet with his approval.“Absolutely,” he said, indicating it would create a picturesque, “Nantucket-ish” look with its design.last_img read more

Yes, You Can Go To The Beach For Free

first_imgBy Liz Sheehan |MONMOUTH BEACH – While beachgoers heading to and from the beach on a recent Sunday all looked the same – laden with chairs, towels and even surfboards – they definitely weren’t. Some had paid to use the beach and others had not.A booth sits at the foot of the ramp across the seawall in the parking lot of the bathing pavilion. Here beachgoers can choose to show a seasonal badge or buy a daily pass and head to the left. Or they can head to the right and use the public beach for free.A seasonal or daily pass includes the use of the bathing pavilion and the lifeguard-protected beach. The free beach is unprotected and has no bathroom facilities, save for one portable toilet located near the entrance ramp.There are four free public beaches in Monmouth Beach and another six in neighboring Sea Bright.After coming down the ramp to leave the free beach, Mark Perl, Oceanport, packed his beach umbrella on the back of his bicycle for his ride home. “I’ll never pay to go on the beach,” he said. His choice of a bicycle was wise as there were no parking spaces anywhere near the beach at midday that Sunday.Although Perl said he would never pay for the beach, he probably already has, through his taxes. Hector Mosely, a public information staff member for the U.S. Army Corps of Engineers, said Tuesday that, prior to Super Storm Sandy, the federal government provided around 65 percent of the funds for the rebuilding of beaches, with the state and boroughs paying the other 35 percent. After Sandy, the funds for the beach restoration were paid only by the federal government.Mosely said $75 million was spent on beach replenishment in Monmouth Beach and Sea Bright prior to the storm, with $26 million spent since the October 2012 hurricane.Sea Bright Borough Administrator Joseph Verruni said the towns are required to provide some public access beaches because of the beach renovation funds paid by the federal government.Mark Perl of Oceanport spent a day at the free public access beach right next to the paid beach at the Monmouth Beach Bathing Pavilion.Parking can be a problem for all beachgoers in Monmouth Beach. Another bicycle rider, Gay Lowden of Fair Haven, said she drives to Long Branch, leaves her car at a friend’s house there, and rides a bike to Monmouth Beach.The town sells a parking pass for $40 a season that can be used at the bathing pavilion parking lot and another parking lot a short block from the beach between Surf Road and Valentine Street, but parking is not guaranteed. Some of the streets in the town are marked as no parking, and on sunny summer weekends it is a challenge to locate a parking place.Lowden said she usually comes to the beach between 3 and 5 p.m. for a swim but admits that paying for admission to the beach is really expensive. “I am a single mother,” she said.“It’s our ocean,” Lowden said, adding that New Jersey “is the only place you have to pay to get on the beach.”Stefanie Fishbein, Shrewsbury, who was leaving the beach, said she had not been aware that a free beach was next to the one she had paid to use.That public beach has no sign indicating it is free, or that it has public access. Neither do the three other free public access beaches in the town – at Cottage Road, at Central Road, and across from the Monmouth Beach Cultural Center. Instead there are signs placed on some of the platforms on top of the seawall stating the beach is unprotected, but these can be difficult to spot.The borough places traffic cones to mark the pedestrian crossings on Ocean Avenue to three of its free beaches and has a police force member and a traffic light at the crossing that leads to the free beach at the bathing pavilion. At the cultural center there are three portable toilets in the parking lot for the free beachgoers.The public access beaches in Sea Bright are clearly marked as “Public Access” on the front of the steps that cross the seawall to the beach and are easily spotted by those driving by.But parking is also an issue for those going to the public access beaches in Sea Bright. One person who uses the public access beaches there advised that it is best to come early or late in the day to find a parking spot.Starting from the southern end of Sea Bright, the public access beaches in the town are located at 1500 Ocean Ave., across from the Sunrise/Ocean Reef Condominiums; 9 1/2 Tradewinds Lane, inside the Tradewinds complex; across from 640 Ocean Ave.; across from 568 Ocean Ave.; across from 314 Ocean Ave. and Oceanfront Restaurant/Beachwalk; and across from 224 Ocean Ave., Via Ripa.This article was first published in the July 20-27, 2017 print edition of The Two River Times.last_img read more