Leading global travel authority Lonely Planet has named Australia as one of the world’s Top 10 Countries in the highly-anticipated Lonely Planet’s Best in Travel 2016.Published today, the 11th annual guide features the best travel trends, destinations and journeys for the year ahead.The guide ranks Australia sixth in its list of Top 10 Countries for 2016, with Botswana taking the number one spot.Lonely Planet says 2016 is the ideal time to head to Australia, even though it might be a bit of journey for some.“Getting here usually involves folding yourself into a plane for 24 hours,” Lonely Planet said.“But with 2016 shaping up as a defining year for several of Australia’s key wilderness areas, it’ll be 24 hours well spent.“In fact, with the weak Australian dollar, anything you spend here this year will be value for money. Petrol prices are heading south too: perfect timing for your Great Australian Road Trip.”“Indigenous tourism is booming, with new Aboriginal tour companies such as Ngurrangga Tours in Karratha and Bungoolee Tours in the Kimberley offering authentic cultural experiences,” the book adds.“Contemporary Aboriginal art remains an Australian cultural high-water mark, as evidenced by the fab new Godinymayin Yijard Rivers Arts & Culture Centre in Katherine.”Best In Travel’s recommendations are compiled from suggestions by Lonely Planet staff, as well as travellers, bloggers and tweeters.Lonely Planet’s Top 10 Countries 2016 are:BotswanaJapanUSAPalauLatviaAustraliaPolandUruguayGreenlandFijiAustralia also features in other areas of the book, such as Lonely Planet’s Top 10 Cities 2016, where Fremantle came in seventh; Best Value Destinations, with Western Australia ranked tenth; and Melbourne placing fourth in the Most Accessible Destinations.To celebrate the release of Lonely Planet’s Best In Travel 2016, travellers have the opportunity to win a trip to a Best in Travel 2016 destination their of choice (conditions apply). Enter the competition hereSource = ETB Travel News: Brittney Levinson
Japan National Tourism OrganisationVisit Japan Source = Travel Managers Australia TravelManagers Australiabecome a Personal Travel Manager hereAbout TravelManagers TravelManagers operates in all Australian States and is a wholly owned subsidiary of House of Travel, Australasia’s largest independent travel company which has a forecast turnover of $1.5 billion for 2014. TravelManagers is a sister company to Hoot Holidays, also owned by House of Travel, and has more than 480 personal travel managers throughout Australia with a dedicated support team at the company’s national partnership office in Sydney. TravelManagers places all customer money in a dedicated and audited Client Trust Account which is separate from the general business accounts, ensuring client funds are only used for client purchases. Hakone Banquet Dinner: dinner is served, traditional Japanese-style, for a very happy Jennifer JonesKonnichi Wa to TravelManagers from JapanJapan may be only one-twentieth the size of Australia but it punches well above its weight for cultural, historical and gastronomic diversity. Two of TravelManagers’ personal travel managers (PTMs) are now more confident in selling this fascinating destination to their clients thanks to invitations from Japan Holidays to participate in a seven-day famil hosted by the Japan National Tourism Organization.Jennifer Jones is TravelManagers’ representative for Wahroonga on Sydney’s upper north shore. She says her clients are already benefiting from her new-found knowledge of Japan.“Having had the opportunity to experience first-hand what Japan has to offer, I can now suggest various experiences in certain cities, from a three-hour bike and kimono experience in Kyoto, to a sushi-making lesson in Tokyo.”Jones says she was surprised and impressed by the diversity of experience available to visitors.“I would have no problem recommending Japan to anyone because I could provide honeymooners with a different set of experiences to a history buff or a family,” she explains.TravelManagers’ Sheri Foreman, representative for Eagle Heights in the Gold Coast hinterland, also participated in the famil. She says clients who are anxious about the language barrier or personal safety have nothing to fear.“I felt genuinely welcomed to Japan. The feeling of personal safety and level of courtesy were even higher than I had expected.”Jones agrees with this observation.TravelManagers’ Jennifer Jones and Sheri relished the opportunity to soak up traditional Japanese cultural experiences during their week-long famil“The Japanese people were very friendly and obliging, making us feel welcome wherever we went,” she says. “It’s also very kid-friendly so it definitely suits the family market.”For both PTMs, a visit to Hiroshima was a special highlight of their time in Japan.“Hiroshima leaves you with a deeper understanding and compassion for the Japanese people and their level of suffering as a result of the dropping of the atomic bomb,” explains Foreman.Jones agrees that their time in Hiroshima lived up to expectations.“The Japanese people have built an amazing Peace Park and Museum. Many of the victims of the A-Bomb who are still alive today give talks to share their experience with visitors: it was very insightful and very moving.”Equally jaw-dropping but for a different reason was Jones’ first experience of the world-famous Shinkansen or “bullet train”.“To stand on the platform when a bullet train goes past is literally jaw-dropping – I have never seen anything move so fast in my life!”Both Jones and Foreman also savoured the opportunity to try as many Japanese gastronomic delights as possible. From vanilla and green tea-flavoured ice cream to kushikatsu (deep fried meat and vegetable skewers) or okonomiyaki (savoury pancakes), Japan is foodie heaven.“Coffee is not as we know it though,” adds Foreman. “It’s usually canned and bought from a vending machine – you choose the colour red for hot or blue for cold!”For less adventurous diners, Foreman says there were plenty of options to suit a more Western palate.“The shopping arcades and train stations often have a whole floor of restaurants, where hungry travellers will usually have the choice of traditional Japanese or more Western-style meals. They’re sometimes on the top floor so you get to enjoy great views of the city while you eat,” she adds.According to Foreman, another highlight was the three-hour bike ride through the back streets of Kyoto, including the geisha district and the parkland with its beautiful temple and shrines.“I felt we were able to experience everyday Japan, as the Japanese live – and after all the yummy food we’d eaten, the exercise was very welcome too!”Jennifer Jones PTM – Kimono Experience: TravelManagers’ Jennifer Jones is a fan of her traditional Japanese kimonoJones was equally impressed with her time in Kyoto. With a population of close to 1.4 million people, it was much bigger than she had expected.“The train station is huge, with lots of shops and an amazing shopping mall with many well-known international brands.”After an action-packed itinerary that squeezed in as many highlights as possible, both Jones and Foreman says they would happily return to Japan.“I would like to visit Japan again in all four seasons as I believe each will provide an entirely different experience,” Foreman says. “Japan is ideally suited to those who wish to travel the length and breadth of it, soaking up the atmosphere and different experiences. I’m excited to start sharing what I’ve seen with my clients.”For more information or to speak to someone confidentially about TravelManagers please contact Suzanne Laister on 1800 019 599.
Thailand is advancing in its efforts to place more emphasis on community-based tourism in line with the Royal Thai Government’s national tourism development plan for 2016-2017, and as part of the Ministry of Tourism and Sports’ strategies to attract more ‘quality’ visitors to Thailand.The ‘Stability, Prosperity, and Sustainability Tourism Forum 2016’ held in Bangkok on 16 January formed part of the many activities under the Ministry of Tourism and Sports and the Tourism Authority of Thailand (TAT) to educate the industry and encourage greater participation in promoting community-based tourism in order to achieve stability, prosperity and sustainability for Thailand’s tourism.About 230 travel and tourism operators, private and government organisations from all around the country attended the forum.H.E. General Thanasak Patimaprakorn, Deputy Prime Minister of ThailandIn his opening address, H.E. General Thanasak Patimaprakorn, Deputy Prime Minister of Thailand, provided a broad overview of the national social and development priorities, and lauded the role of tourism in fulfilling the targets and objectives. He pledged full government support for the industry.H.E. Mrs. Kobkarn Wattanavrangkul, Minister of Tourism and Sports said, “Under the Royal Thai Government’s national tourism development plan for 2016-2017, we plan to disperse income to local communities nationwide as well as build a better quality of life for the local people, strengthening the communities, and promoting the preservation of Thai culture and traditions.“All these will lead to the conservation of our natural resources and the sustainability of the country’s tourism industry as a whole.”Hosted by the newly-launched TAT Academy, the ‘Stability, Prosperity, and Sustainability Tourism Forum 2016’ was conducted to promote community-based tourism knowledge and to help various stakeholders identify new business opportunities.The event was also set to provide opportunities for participants to establish networks with the entrepreneurs who had successfully implemented a community-based tourism platform.Dr. Yuthasak Supasorn, Governor of TAT said, “Community-based tourism is a global trend. Today, travellers are in search for tourism products and services that take into account the environmental, economical, and social sustainability. This is a new aspect of tourism that TAT will be gearing toward for future tourism development of Thailand.”The Forum featured keynote speakers: Mr. Robert Basiuk, Director of Borneo Adventure, Sarawak, Malaysia, outlined how community-based tourism was becoming a global trend. The next speaker, Mr. Peter Richards, a sustainable tourism expert with the Community Based Tourism Institute (CBT-I), provided a more detailed focus on how Thai communities are catering to the tourism sector, both domestic and foreign.A panel discussion sharing best practices by leaders of some of Thailand’s model community-based tourism projects.Mr. Basiuk lauded Thailand as a model destination that adopts strategies and practices towards sustainability tourism. He said that in order to achieve sustainability from the development and promotion of community-based tourism, which helps disperse income to all part of the society, the initiative would require cooperation from all involved, especially the private sector.Mr. Richards added that, “Community-based tourism is popular among European travellers as they are looking for memorable quality travel experience. Community-based tourism means something simple but with a unique identity and story, and offers a new and insightful experience of the local way of life of the people in that particular community.”Some of the successfully developed and promoted community-based tourism products highlighted at the ‘Stability, Prosperity, and Sustainability Tourism Forum 2016’ included:Bang Phlup Community, Bang Khonthi district, Samut Songkram: successfully combines agriculture to create tourism stories and activities for tourists.Ban Ko Klang, Mueang district, Krabi: creates a tourism product by presenting the people’s way of life. The community has received recognition at both the local and international levels including the Thailand Tourism Awards and the PATA Gold Award.Hivesters website: the online platform provides a one-stop-shop for community-based tourism activities where tourists can look for information and books instantly on www.hivesters.com.Local Alike: this is community-based tourism where local people take part in designing the trips and activities so visitors can travel like a local.Akha Ama Coffee: a local coffee brand originating in Ban Mae Chan Tai in Chiang Rai but has successfully made itself to have a worldwide reputation.Maajaidum: brand of local whisky made from coconut flower based in San Kamphaeng in Chiang Mai.Mae TEETA: a brand of organic textiles and indigo-dyed fabric which has found success from further developing the folk wisdom to create a brand of unique fabric. Visit ThailandSource = Tourism Authority of Thailand
Introducing Solomon Islands Discovery CruisesIntroducing Solomon Islands Discovery CruisesHeralding a long-awaited return to dedicated Solomon Islands small ship cruise programs, newly-formed Solomon Islands Discovery Cruises (SIDC) has announced its plans to operate six adventure itineraries in 2018-2019.Operating ex-Honiara and timed to dovetail with Solomon Airlines’ Brisbane-Honiara services, SIDC has employed the 30-metre MV Taka to operate the six and seven-day cruises, each of which have been designed to highlight two of the South Pacific’s truly unspoiled and culturally-rich regions – the Florida and Russell Islands archipelagos.Passengers will have the opportunity to fully immerse themselves in both region’s distinctive cultures and environments.The cruise itineraries feature visits to remote villages along with plentiful opportunity to discover the region’s amazing coral pastures and abundant marine life with daily dive and snorkel options.Both areas are also rich in WWII history giving passengers insight into the infamous Guadalcanal campaign in 1942 via the many wrecked US and Japanese aircraft, warships and relics which literally litter the seabed.Congratulating SIDC on its initiative, Tourism Solomons CEO, Josefa ‘Jo’ Tuamoto said the very nature of the Solomon Islands archipelago of 992 islands lent itself to dedicated small ship adventure itineraries. “Lindblad Expeditions left a big hole when it decided to redeploy its small ship operation to the Galapagos two years ago,” he said.“And while we regularly welcome Expedition Cruises’ vessels, these itineraries are always in conjunction with other destinations, such as Vanuatu and Papua New Guinea, and passengers only get a very small taste of what we have to offer,” he said.“Having a dedicated niche adventure cruise program, operated by a local company with local experts and one that offers insight into our unique culture, history and environment plus the opportunity to experience our amazing underwater world is a huge build on our existing tourism product.“Add to this, the amazing benefits our local people will accrue from this environmentally-oriented program are immeasurable.“This product is long overdue and one that I see as being highly successful going forward.”Prices for an inaugural 24 August seven-day/six-night cruises lead in at AUD2499* per person in quad share accommodation inclusive of all meals and all activities.A daily per person AUD30.00 ‘kastom’ fee applies. SCUBA diving gear is available to rent.About the MV TAKAServiced by a 12-strong crew, the 30-metre MV Taka features six upper deck cabins all with ensuite facilities and six lower deck cabins in twin and quad configuration with shared bathrooms. All cabins are fully air conditioned and come with reading lights, towels, bedding and charging stations. *Conditions apply. For more information CLICK HERESource = Tourism Solomons PR – Mike Parker-Brown
Travellers in India recently got the opportunity to acquaint themselves with the tourist attractions of Fiji in a three-city roadshow organised by Tourism Fiji and Rosie Holidays. The roadshow was conducted in New Delhi, Kolkata and Mumbai for travel agents to explore destinations in Fiji and educate travellers about them.The Fijian delegation consisting of Ahura Resorts, Matamanoa Island Resort, Namale Resort & Spa, Nanuku Auberge Resort, The Pearl South Pacific, Fiji Airways, Rosie Holidays and Tourism Fiji conducted a combination of frontline trainings as well as networking events.Adeline Lee-Erasito, Director Business Development, Rosie Holidays Fiji, said, “The roadshow allowed all the tourism trade partners from Fiji to interact with over 200 key travel and tour operators, MICE providers, up-market leisure operators and media personnel. We as Rosie Holidays understand the nature of our Indian guests and we try and put in the extra effort while preparing itineraries for them. We are very hopeful of the India market and look forward to welcoming more visitors to Fiji.”Fiji Airways sponsored free of cost tickets for winners of the raffle draw in each market that the roadshow was held. Speaking about her experience, Wenchi Wang, Regional General Manager- Asia, Fiji Airways, said, “Fiji Airways is happy to have joined the roadshow since India market has always been our focus for Singapore and Hong Kong routes. We appreciate the quality of the seminar, networking cocktails as well as the meetings with different agents. In 2016, the performance India market increased double digit and we expect much more from India.”In addition to the air tickets, complimentary stay was gifted to winners of the raffle draw by all the hotels and resorts participating in the roadshow.“India is a growing market for us. Last year we received 4,000 visitors from India registering an approximate growth of 15% and for this year too we have set a target of double digit growth,” said Vaijayanthi Kari, India Representative, Tourism Fiji.
Tourism Australia in partnership with eight leading airlines unveiled the third version of ‘The Great Australian Airfare Sale’ to entice Indian travellers the best airfare deals.This campaign aims to promote and encourage more Indian arrivals to Australia.The Great Australian Airfare Sale will run for a three-week period between November 1 to November 21. Travellers can plan their travel until November 2018 to Australia. The campaign will be promoted across various digital platforms to engage and interact with the target audience and will be further amplified through Tourism Australia’s key distribution partners and popular online travel agents.This campaign also marks the 50th anniversary of Tourism Australia.The airlines involved are- Air Asia, Air India, Cathay Pacific, Malaysia Airlines, Qantas, Scoot, Singapore Airlines, and Thai Airways.Nishant Kashikar, Country Manager, India and Gulf, Tourism Australia, commented, “The campaign will help us accelerate market demand by creating new opportunities for Indian travellers to explore Australia’s aquatic and coastal experiences, unique wildlife and incredible food and wine offerings.”For the year to June 2017, India was the fastest growing inbound market in Australia for expenditure with total spend up 29.5% and as per latest reports Australia witnessed a 15% growth in Indian tourists this year.
According to data released by United Nations World Tourism Organization (UNWTO), San Marino is the fastest growing travel destination in Europe. San Marino, a 23 sq mile country situated entirely within Italy with a population of 33,000 has been a hot favourite amongst travellers in recent times. The data states that San Marino saw a 31.1% increase in travellers year-over-year, more than 78,000 travellers visited the landlocked nation in 2017. The data was published in UNWTO’s Tourism Highlights 2018 Edition report.“International tourist arrivals grew seven percent in 2017, the highest increase since the 2009 global economic crisis and well above UNWTO’s long-term forecast of 3.8% per year for the period 2010 to 2020,” states the report.
Tourism Australia has received a $5 million funding boost to promote the upcoming ICC T20 Cricket World Cup being held in Australia for the first time next year, to fans in India. More than one million spectators from around Australia and the world are expected to attend this significant sporting event, which will be played as two standalone tournaments for women and men, delivering significant benefits to the tourism industry and broader economy.The Morrison Government has thrown its support behind the ICC T20 World Cup being held in Australia next year, announcing a new campaign to promote the tournaments and Australia to cricket fans in India.Federal Minister for Tourism Simon Birmingham said the $5 million campaign would be used for marketing activities to drive visitation to both the women’s and men’s tournaments, as well as increase Australia’s broader destination appeal in India.“Australia stands ready to welcome the world to the ICC T20 World Cup tournaments, which are set to deliver significant benefits to our tourism industry and the broader economy,” said Minister Birmingham.“The Indian tourism market is currently worth $1.7 billion and is our fastest growing inbound tourism market, with visitation forecast to grow four-fold to reach nearly 1.2 million by 2035. The recently released India Economic Strategy specifically identified the need for increased tourism marketing activity in India to ensure the market reaches its full potential.“These World Cups represent the perfect opportunity to encourage Indians to book a flight to Australia to cheer on their team from cities and stadiums all over the country, while also taking the time to explore our wonderful tourism offerings.”Minister for Sport Richard Colbeck said the ICC T20 World Cup 2020 would shine a spotlight on the nation as a global leader in sport and major events.“Securing major sporting events for Australia are crucial to nurturing our rich sporting culture. The ICC T20 World Cup 2020 is no exception. More than one million fans are expected to attend this significant event, which will be played as two standalone tournaments for women and men. Initial activity will kick off in August when the tournament trophies travel to Tourism Australia’s flagship trade event in India – Australia Marketplace in India – to generate excitement and support for the events among key trade and accredited travel agents. The influx of fans from across the world for next year’s T20 World Cups is expected to build on the positive local legacy of the ICC Cricket World Cup 2015, which was co-hosted by Australia and New Zealand and attracted approximately 100,000 international visitors to Australia alone,” Minister Colbeck said.
DiversityBusiness Top Businesses in America VRM Mortgage Services 2015-05-18 Staff Writer VRM Mortgage Services (VRM) was recently named to DiversityBusiness’ 15th annual “Top Businesses in America” list and received multiple awards as an African American, diversity-owned and privately held business. According to a recent DiversityBusiness press release this is the second year in a row VRM has received such honors.DiversityBusiness recognized VRM in five of its surveys, including ranking 158th of the top 500 diversity-owned businesses in the U.S. and 47th out of 100 top African-American-owned businesses, the release says. The company was also recognized locally as the 17th-ranked diversity-owned business in Texas and was listed 21st out of 100 privately held Texas businesses.“It’s an honor to be recognized again by DiversityBusiness,” said Keith Murray, president and CEO of VRM Mortgage Services. “We are committed to diversity in our daily business operations and appreciate the recognition we’ve received with this national award.”DiversityBusiness produces annual lists, provides business news information, conducts research and data collection services, and provides other services to advance best practices through diversity. The “Top Businesses in America” program was started by DiversityBusiness in 1999 and recognizes and honors diverse companies that are industry leaders who push our economy forward.More than 1.3 million businesses in the U.S. participated in this annual business survey and companies were selected based on an expansive set of criteria. VRM supports many of the industry’s major ethnic, minority, and diverse real estate organizations and even holds leadership roles with a variety of diversity initiatives, including the Mortgage Bankers Association’s Strategic Diversity Committee.VRM’s founder, Murray, believes a commitment to diversity strengthens a company’s recruiting, purchasing, and partnership decisions, the release notes. Under his leadership, the company was able to develop a sourcing solution to help ensure small and minority-owned businesses were included in its offerings. This included providing its clients a diverse network of real estate and mortgage brokers, repair contractors, closing/title agents, and appraisers.“As a minority-owned company, VRM embraces diversity as a significant driver of our performance excellence,” added Murray, “We look for every opportunity to promote diversity and inclusion with our clients and throughout our industry. These awards are recognition of those efforts and our industry achievements.” Share in Data, Headlines, News, Servicing May 18, 2015 603 Views VRM Mortgage Services Honored by DiversityBusiness
in Daily Dose, Data, Featured, Government, Market Studies, News Mortgage Rates Lower Following Fed’s Hike Deferment September 25, 2015 625 Views Federal Reserve Freddie Mac Mortgage Rates 2015-09-25 Staff Writer Mortgage rates lowered to 3.86 percent for the week ending September 24, 2015 after the Federal Reserve decided to keep interest rates near zero last week.Freddie Mac’s Primary Mortgage Market Survey (PMMS), showed that the 30-year fixed-rate mortgage (FRM) averaged 3.86 percent with an average 0.7 point for the week. This rate is down from last week when it averaged 3.91 percent, and a year ago at this time, it averaged 4.20 percent.”Global growth concerns and lackluster inflation convinced the Fed to defer a hike in the Federal funds rate,” said Sean Becketti, chief economist, Freddie Mac. “In response, Treasury yields fell about 9 basis points over the week, with some larger day-to-day swings along the way. In response, the interest rate on 30-year fixed rate mortgages dropped by 5 basis points to 3.86 percent.”The report also found that the 15-year FRM averaged 3.08 percent with an average 0.6 point, a decrease from last week when the rate was 3.11 percent. One year ago, the rate averaged 3.36 percent.”Global growth concerns and lackluster inflation convinced the Fed to defer a hike in the Federal funds rate.”The 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.91 percent with an average 0.5 point. Last week this ARM averaged 2.92 percent and a year ago, it averaged 3.08 percent.Meanwhile, the 1-year Treasury-indexed ARM averaged 2.53 percent this week with an average 0.2 point. Last week this ARM averaged 2.56 percent and a year ago, it averaged 2.43 percent.”Mortgage rates have remained below 4 percent for 9 consecutive weeks and have remained range-bound between 3.8 and 4.1 percent since May,” Becketti said. “These low mortgage rates have supported strong home sales, and 2015 is on pace to have the highest home sales total since 2007.”Last week, the Federal Reserve decided on Thursday to keep the federal funds target rate at zero to 1/4 percent, where it has been for nine years, at the September meeting of the Federal Open Market Committee (FOMC).”In determining how long to maintain this target range, the Committee will assess progress—both realized and expected—toward its objectives of maximum employment and 2 percent inflation,” the Fed said in a statement. “This assessment will take into account a wide range of information, including measures of labor market conditions, indicators of inflation pressures and inflation expectations, and readings on financial and international developments. The Committee anticipates that it will be appropriate to raise the target range for the federal funds rate when it has seen some further improvement in the labor market and is reasonably confident that inflation will move back to its 2 percent objective over the medium term.” Share
Data and analytics services provider CoreLogic announced Thursday that more than 700 million data records have now been delivered through its University Data Portal, an online self-service website that provides access to residential and commercial real estate data used for qualified academic research at preferred rates.The University Data Portal enables faculty and graduate and undergraduate students to run queries, extract residential and commercial tax and property transactions and deed data, and download custom reports.The information available to students through the company’s databases includes 494 million deed records representing 97 percent of U.S. property transactions, 158 million property tax records, 46 million foreclosure records and more.“The University Data Portal was created to provide the academic community with gold standard property data for their research needs, and is the only resource of its kind in the industry,” said Frank Nothaft, Chief Economist for CoreLogic. “CoreLogic is constantly looking for ways to support this community and is committed to continuously updating the portal with new and relevant data sets. It is extremely gratifying to have delivered such a significant amount of data to help fuel academic research.”The company developed the portal and preferred rate structure in response to the hundreds of requests it receives each year from academics researching various real estate, mortgage and risk-related issues. CoreLogic data has been widely used in academic research examining subjects such as housing migration, unemployment, demographics, housing reform and other topics relevant to the U.S. housing market and overall economy.For more information on the University Data Portal, click here. CoreLogic Announces Data Milestone January 23, 2017 515 Views in Headlines, News CoreLogic Mortgage data Real Estate Data University Data Portal 2017-01-23 Phil Banker Share
Studying Affordable Housing, Low-Cost Mortgages According to the Urban Institute, families have the stable income needed to support homeownership in smaller, more affordable communities, but are unable to afford a home because they can’t access a mortgage, or don’t have cash to buy a home. The study states that there were more than 700,000 homes sold for $85,000 or less in 2018, and according to the Urban Institute, these homes are less likely to be financed with a mortgage than high-priced homes. Limited financing options becomes a barrier for homeownership. Instead, the home is sold to investors, and families may turn to riskier seller financing options, such as land contracts, which have fewer borrower protections than mortgages.The study continues by saying expanding access to small-dollar mortgages could help many households in communities with lower-than-average homeownership rates. The Urban Institute states that about 10% of the Pittsburgh, Pennsylvania’s households own a home worth less than $70,000, and 22% are renters. With average incomes of $36,000 and $32,000 for these owners and renters, respectively, they are close to suggest a small-dollar mortgage could put the renters in a position to buy a low-cost home. Statistics show that 26% of Pittsburgh’s renters are people of color, with around 10% owning a home valued at $70,000 or less. Fewer than 5% own a home worth $150,000 or more. A recent report by the National Association of Home Builders (NAHB), with data from the U.S. Census Bureau, found that homeownership rates for minorities fell to 64.2% in Q1 2019 from 64.8% to end 2018.The “all minority” homeownership rate, which includes African American, Hispanic and “other households” (Asian, Native American, etc.), came in at 47.1% in Q1 2019—a slight year-over-year decrease from 48%, and a decline from 47.7% in Q4 2018.Recent NAHB information revealed that the amount of newly-formed owner-occupied home grew in the first quarter. Expansion during Q1 2019, though, was slower than last year, indicating the decline of affordable housing due to elevated home prices. in Daily Dose, Featured, News, Origination July 3, 2019 440 Views Share Affordability Minorities 2019-07-03 Mike Albanese
Continuing its celebrations of the 2018 Year of Gastronomy campaign, the Macao Government Tourism Office (MGTO) will be setting up its colourful food truck once again, at Sydney’s SMOOTH Festival of Chocolate, a food-lover’s festival being held for the first time at the Sydney Showground, Sydney Olympic Park.Festival-goers will have the chance to sample the Tastes of Macao with free plates of specially-prepared Macanese delicacies, including African Chicken, Pork Chop Buns and the iconic Macanese egg tarts.A crowd of more than 40,000 is expected to converge on the festival this coming weekend – 1-2 September.For three hours each day from 3 September to 8 September, the truck will be in and around Sydney locations including in the CBD at Circular Quay, Martin Place and Central Station, as well as suburban Parramatta and Chatswood.The truck will then venture south along the motorway to Melbourne for appearances in Carlton, Federation Square, St Kilda and South Bank (14-18 September). 2018 Year of GastronomyMacao Food TruckMacao Government Tourism Office
CARDINALS VS VIKINGS The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Passing yards per game against216.0217.7 Should that not happen, Ponder will look often to Percy Harvin. A dynamic player, the former Florida star leads the NFL with 49 catches. He doesn’t do much damage deep (just 11 yards per catch), but the Vikings like to get him the ball in space and let him go to work. He’ll also get carries out of the backfield, so the point is they do everything possible to get the ball in his hands. The task of slowing the electric Harvin will likely be left to Patrick Peterson. Good luck, PP21. If Ponder is not throwing the ball to Harvin it will likely go to tight end Kyle Rudolph. Also a second-year pro, the former Notre Dame star leads the team with five touchdown catches. At 6-foot-6 he makes a great red-zone target, so if the Vikings get close look for the ball to go his way. This will be a player to watch, because with Arizona’s linebackers needing to respect Peterson and the running game there may be some openings for Rudolph to do some damage. Total yards per game against329.3313.7 0 Comments Share Grace expects Greinke trade to have emotional impact CategoryCardinalsVikings Rushing yards per game against113.396.0 When Cardinals have the ball: Given that much of the focus will be on Fitzgerald, there’s a chance Arizona’s secondary targets (Andre Roberts, Early Doucet, Michael Floyd, Todd Heap, Rob Housler) could find themselves pretty involved in the passing game. Of course, it’s all contingent on the offensive line giving the quarterback time to throw the ball. Jared Allen (4 sacks) is one of the best in the NFL at getting to the passer, and with the way Arizona’s line has played it’s tough to imagine him not having a big game Sunday. When the Vikings have the ball: It used to be that the Minnesota Vikings’ offense was based around running back Adrian Peterson, with a little bit of Adrian Peterson thrown in on the side. That’s still true. Sort of.The stud back has amassed 499 yards on 113 carries (4.4 per) in his first season back from a catastrophic knee injury, and while he has not been as dominant as in the past (just 2 touchdowns), he is still very much a big part of the offense. But he’s not the offense.Second-year pro Christian Ponder has done a very good job at quarterback for the team, completing 68.6 percent of his passes to go along with 8 touchdowns and just 4 interceptions. He can run a little, too, and provides the team with the QB play they lacked the last couple of seasons. He’s been sacked just 13 times this year, but it’s imperative the Cardinals get to him (we’re talking to you, Calais Campbell, Darnell Dockett, Sam Acho and O’Brien Schofield) to throw the youngster off his rhythm. Passing yards per game199.8230.2 Former Cardinals kicker Phil Dawson retires Derrick Hall satisfied with D-backs’ buying and selling Points per game18.324.3 Points against16.219.5 Rushing yards per game83.2126.7 Total yards per game283.0356.8 Thus far this season, little good has happened when the Cardinals have been on offense. And now they’re without their starting quarterback. Who was the backup. But then was the starter.John Skelton gets another shot at leading the Cardinals, and he’ll make his first start since Week 1 against a team with one of the better defenses in the league. His numbers this season have been less-than-impressive (16-of-38 for 194 yards with 2 INT), but to be fair there’s a small sample size with which to judge. He may be helped by a resurgent running game — or, rather, a running game — as the Cardinals found some success last week giving the ball to William Powell (70 yards on 13 carries). The Vikings do a good job of bottling up the run, but Arizona must establish at least the threat of the ground game to help buy Skelton a little more time to find receivers down the field. Should that happen, one can expect Larry Fitzgerald to have a good game. The Minneapolis native has tallied three 100-yard games in five career meetings against his hometown team, and the young Vkings secondary, which features veteran Antoine Winfield and a bunch of youth, is not really equipped to deal with a player of Fitzgerald’s caliber. Top Stories
Derrick Hall satisfied with D-backs’ buying and selling Grace expects Greinke trade to have emotional impact Kiper gave the San Francisco 49ers an “A” for their draft class and the St. Louis Rams an “A-.” The defending champion Seattle Seahawks brought up the rear with a “C+,” according to Kiper’s analysis. – / 7 Former Cardinals kicker Phil Dawson retires Kiper said Arizona’s top needs entering the draft were at outside linebacker, safety, wide receiver and quarterback. The Cardinals hit all those positions — safety Deone Bucannon in the first round; wide receivers John Brown and Walt Powell in the third and sixth rounds, respectively; and quarterback Logan Thomas in the fourth — except linebacker.So when Kiper looks at how the Cardinals met their needs through the draft, he gave them a “B.” As for the overall value of their seven draftees, Kiper gave the team a mark of a “B-.” Overall, he gave the Cardinals a “B” for their draft.He explained the grades further:The Cardinals did pretty well, and hit some needs. If you look across the NFC West, you see safety combinations that balance a big hitter with a guy that can really run, move around, cover the slot and make plays. Last year the Cardinals added Tyrann Mathieu, who was fantastic as a rookie before the ACL injury, and this year they added a hitter in Deone Bucannon. The Cardinals moved down, and that made what you could call a slight reach on Bucannon perfectly reasonable. I list OLB as a need here, but that could also be DE because the Cardinals will mix their base fronts, and an athlete like Kareem Martin is a good fit. He’s a better athlete than he is a performer, but he could be good. Bruce Arians absolutely adored Heath Miller in Pittsburgh, and might see some of what he loved about Miller in Troy Niklas. John Brown was a guy I really liked because of the explosiveness — witness the 4.34 40 time — and he could become a solid third WR and also take return reps, preserving Mathieu and Patrick Peterson.Logan Thomas is a great developmental shot to take. Bruce Arians worked out Thomas in March, and loves the tools Thomas has. Will Thomas improve his accuracy? That’s the question, and it’s not at all easy to say he will, because accuracy and ball placement aren’t things that often improve a great deal. At worst, he’s Colin Kaepernick and Russell Wilson in practice because he can simulate that kind of athleticism.As for how Arizona did in the draft compared to its NFC West foes, two clubs got higher marks from Kiper, while one was a couple notches below. Comments Share Top Stories Like him or loathe him, ESPN’s Mel Kiper Jr. knows all things NFL Draft. The 53-year-old Baltimore native has been analyzing the draft for ESPN since 1984. So when all franchises have finished selecting their future prospects at the summer gala, many fans turn to Kiper to see what he thinks about their favorite team’s picks.And that time is here.In an Insider piece on ESPN.com, Kiper released his grades Sunday for all 32 NFL teams. And if you’re wondering what his thoughts were on the Arizona Cardinals’ draft class, he gave Steve Keim and Co. above-average, but not stellar, marks. The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo
Grace expects Greinke trade to have emotional impact Comments Share Former Cardinals kicker Phil Dawson retires It’s almost time, folks.Arizona Cardinals training camp is just around the corner — Aug. 1, to be exact — and now we know exactly how the team plans on running things this year.Here are some notes, courtesy of the team:– Admission and parking for all practices are free. Fans should be aware that due to the later-than-usual start to the NFL season and training camp, the Kids Interactive Zone and Kids Autograph Experience will not be in operation for practices beginning on Monday, August 17 when the majority of Arizona schools have resumed. Top Stories – PRACTICES: Open practice sessions will be held from 2:00-4:30 p.m. starting on Saturday, August 1 and concluding on Friday, August 28. The full practice schedule is available below and can also be found at www.azcardinals.com. – FREE PUBLIC PARKING: Carparks on the east side of the stadium (Green and Grey) will open each practice day at 12:30 p.m. Guests are advised to use the Green entry off of 91st Avenue. For practices on weekends (Saturday-Sunday), additional lots on the West (Orange) side of the stadium will also be available for fans to park. – STADIUM ENTRY: Fans should enter through Budweiser Gate 3 on the east side of the stadium beginning at 1:30 p.m. each afternoon. Fans can also enter through the Arizona Cardinals Team Shop at the north end near University of Phoenix Gate 2. For practices on weekends (Saturday-Sunday), fans can also enter through Hyundai Gate 1 on the west side of the building. In accordance with current NFL security guidelines, all fans will be subject to screening prior to entry including an inspection of all items brought inside the stadium. – FAN SEATING: Open seating for fans will be available on the east side of the stadium in the lower level for all Cardinals practices throughout training camp. For practices on weekends (Saturday-Sunday), additional lower bowl seating will be provided on the west side of the stadium. There will also be an interactive kids zone, and fans hoping to snag some autographs will have their chance to do so by heading down toward the field at the conclusion of the day’s practice. Concessions will also be available, and the Arizona Cardinals Team Shop will be open. Derrick Hall satisfied with D-backs’ buying and selling The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo
TEMPE, Ariz. — The “C” found in the upper right corner in the front of Patrick Peterson’s jersey signifies that he is a team captain.This is the first season the four-time Pro Bowler has held the designation, and he’s not taking his responsibilities lightly.Following the Cardinals’ 19-13 win over the San Francisco 49ers Sunday, head coach Bruce Arians announced to his team, “We have to have a little more focus as this week goes along, and I’ll see you on Wednesday.” He was referencing what is known as “Victory Monday,” where the coach gives his veterans an extra day off as a reward for their hard-earned win. Grace expects Greinke trade to have emotional impact Former Cardinals kicker Phil Dawson retires Safety Tyrann Mathieu did not mind the captain’s call.“It’s a leadership thing and you know defensively we feel like we relax at times,” he said. “I think it’s because our offense is scoring so much and we didn’t necessarily have that attitude in the past.“So I think we need to get back to that. We’ve given up a lot of touchdowns in the red zone. Different things we have to work on. So I felt Pat — I think most guys in the locker room understood where he was coming from.”It helps that most of the guys in the locker room were on last year’s team, which started 9-1 but slumped at the end of the year and bowed out quietly in the Wild Card round in part due to the defense’s struggles. Mathieu said the entire defense showed up Monday, including Cory Redding and Frostee Rucker, who did not play because of injury, as well as the team’s practice squad players.“I think it says a lot about Patrick and his leadership,” Mathieu said. “When he says something, people do it.”On a lot of other teams, Peterson’s request — or, rather, demand — may have been met with more eye rolls and groans. But for a Cardinals team with eyes on a Super Bowl, any chance to get better or stave off a late-season slump is something they will try and take advantage of. Arizona Cardinals’ Patrick Peterson (21) runs against the San Francisco 49ers during the first half of an NFL football game in Santa Clara, Calif., Sunday, Nov. 29, 2015. (AP Photo/Marcio Jose Sanchez) 0 Comments Share Top Stories That it was Peterson who spoke up was not only a sign of the respect he holds in the locker room, but also how he has embraced and grown in his role as a leader. Arians, who is in his third season with the Cardinals, said he saw those traits in his first year with the team but it was tougher for the player last year as he dealt with a variety of injuries that impacted his play on the field.“But this year, it’s been fantastic,” he said. – / 21 Derrick Hall satisfied with D-backs’ buying and selling The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo But Peterson was having none of it.“Hold on, woah, defense, we’ll be in there at 11,” the cornerback said. “We’ve got to fix this.”An extra day off? No, not this time.“It’s by me, the captain,” Peterson said of the decision. “I have to make sure our guys are ready for this run of the season. These next five games are very important. If we want to be home for playoff games, we have to make sure we win them. Minnesota is playing good ball. Although Green Bay lost, they’re playing good ball.“We have to play those guys eventually, so we have to make sure we win those games. We have to start out fast and have good energy so we can give ourselves a good chance to win.”The Cardinals allowed the 49ers to score just 13 points Sunday, but San Francisco did accumulate 368 total net yards. They came into the game averaging fewer than 290, so it’s understandable why Peterson may feel his group needs some work.“That’s what captains do,” Arians said. “My understanding is that it was a very good meeting and they had all the coaches’ notes and went through it play by play. We only gave up 13 points, but still we’re accustomed to playing better.”
At practice on Monday, Dawson and Lee spent a good amount of time together, reacquainting themselves with how each does their job.“You have to go over everything again but it’s not the first time,” Dawson said. “So you’re re-introducing yourself to one another and ‘oh yeah I remember when you did that’ and ‘oh yeah I remember when you did that’. We’ll be fine.”Lee wouldn’t say whether other teams showed interest once he became a free agent. It’s safe to say, however, his relationship with Dawson played a factor in choosing the Cardinals. Plus, Lee noted, there are several familiar faces in the Cardinals locker room, including wide receiver Larry Fitzgerald, a former college teammate of Lee’s at the University of Pittsburgh.With Lee’s addition, the Cardinals feel they’ve solved one of their many problems from a 7-8-1 season a year ago. Even if that solution is one of an advanced age. Still, Lee trusts he and Dawson still have much to offer.“I went out and held for Phil today and watched him kick some kicks. He doesn’t kick like a 42-year-old. He still kicks like he’s young. He’s still got a great leg,” Lee said. “It’s fun to just be around him and watch him work, too. It helped me a lot when I was with him with the 49ers and I anticipate learning more even at this point in time in my career from him.” Derrick Hall satisfied with D-backs’ buying and selling Carolina Panthers’ Andy Lee (8) watches his punt sail over to the Minnesota Vikings during the second half of an NFL football game in Charlotte, N.C., Sunday, Sept. 18, 2016. The Vikings won 22-10. (AP Photo/Bob Leverone) Grace expects Greinke trade to have emotional impact Follow Craig Grialou on Twitter 7 Comments Share “Andy is a welcome addition,” Dawson added.Released by Carolina over the weekend, Lee became an attractive option for the Cardinals, who were looking to upgrade that position. Matt Wile had won the job, beating out Richie Leone, to make the initial 53-man roster on Saturday. Wile, however, was inconsistent with his kicks, leaving open the possibility the Cardinals would begin the regular season with a punter who was not on the roster during training camp.Over his 13-year career, Lee’s punts have covered an average of 46.3 yards with a 39.5 yard net average; numbers that rank ninth and 12th-best in league history. In addition, he’s placed 343 punts inside the 20-yard line, tied for eighth all-time.“He wasn’t Ray Guy but he was close,” head coach Bruce Arians said. “For his era, he’s one of the tops and he can still put it out there. Glad to have him.”In 2016, Lee was enjoying one of his better seasons averaging almost 50 yards a punt when he pulled his hamstring in Week 10. The injury ended his season.The Panthers then cut ties altogether with Lee, choosing to go with Michael Palardy this season.”It’s a business. I understand that,” Lee said. “I’m happy where I’m at now.” Former Cardinals kicker Phil Dawson retires Between them, kicker Phil Dawson and punter Andy Lee have more than 30 years of NFL playing experience.Dawson is 42 and Lee turned 35 last month.“I think Sunset Acres should sponsor the special teams unit,” Dawson joked.Teammates in San Francisco for two seasons, the pair have been reunited in Arizona after the Cardinals signed Lee to a two-year contract on Monday.“I’m happy to be here,” he said, following his first practice with his new team. And healthy. The hamstring “feels great now” so there’s no question in Lee’s mind that he can once again reach the Pro Bowl and All-Pro level that he accomplished three times each previously in his career.“I feel like I’m still the same. I feel like I can still hit those balls. I can still do everything I’ve always done,” he said. “It’s just sometimes things work out and sometimes things don’t some seasons. I think it’s being in the right situations to hit the right type of balls to get your numbers to where they need to be, honestly. I think you can have lower numbers and still help the team just as much as you did when you had the high numbers.”The Cardinals’ punting numbers weren’t good last season; in fact, they were downright awful. Both their average (41.9) and net average (39.0) ranked dead last among the 32 teams.Lee’s history with Dawson should also pay dividends for the Cardinals. Lee was Dawson’s holder in San Francisco in 2013 and 2014.“I enjoyed my time with Matt and Richie. I thought they competed hard all camp, but this is how it goes in the NFL,” said Dawson, who couldn’t remember a bad hold from Lee. “Obviously, having been with Andy before brings a comfort level but he and I both know it doesn’t matter what happened in the past. We got to get ready to play this week and that’s how it goes so that’s what we’re going to do.” The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Top Stories
The 5: Takeaways from the Coyotes’ introduction of Alex Meruelo Former Cardinals kicker Phil Dawson retires Derrick Hall satisfied with D-backs’ buying and selling 26 Comments Share Before the year, Keim said it was a “real concern” that Nkemdiche had yet to produce on the field considering his physical profile that pegged him as a high draft pick coming out of Ole Miss. An off-the-field issue likely contributed to his draft stock falling, as he was charged for drug possession after he fell out of a hotel window in Atlanta late in his junior year.In his third season with the Cardinals, Nkemdiche played his best game on Nov. 25, 2018, against the Los Angeles Chargers.He finished the 45-10 loss with seven tackles, four for loss, and 2.5 sacks, adding three quarterback hits.“It’s good to understand the concept of process … and how to become better at your craft,” he said after the game at Los Angeles. “Don’t let other people decide (expectations) for you. Kind of have your own pace of what you’re doing … but always know you’re working at a high rate of speed.“That game was more of a testament for me and just clarity, solidification (to) just keep doing what you’re doing. Keep getting better, pay attention to the little things, be aggressive,” Nkemdiche added. “You go forth from there keep getting better and keep trying to bite the other peoples’ face mask off when you have a chance to do it.” The Arizona Cardinals have decided against picking up the 2020 option for the fifth year on defensive lineman Robert Nkemdiche’s rookie contract, reported NFL Network’s Tom Pelissero on Thursday.Nkemdiche, the Cardinals’ 2016 first-round pick taken 29th overall, is coming off his most productive season yet but one peppered with reminders that he has thus far failed to reach his potential.Under first-year head coach Steve Wilks’ 4-3 scheme, the fourth-year pro recorded 32 tackles, nine for loss, and 4.5 sacks last year. He had a strong camp, suffered a foot injury that limited him to begin the year and appeared in 10 games (six starts) before he suffered a season-ending ACL injury. Top Stories Detroit Lions quarterback Matthew Stafford (9) is hit by Arizona Cardinals defensive tackle Robert Nkemdiche (90) during the first half of NFL football game, Sunday, Dec. 9, 2018, in Glendale, Ariz. (AP Photo/Ross D. Franklin) Due to injuries and inconsistency, Nkemdiche has appeared in 27 of a possible 48 regular games since he entered the NFL. His knee injury suffered in December put his health status heading into the 2019 regular season in doubt.Related LinksVery early 2020 NFL mock drafts have Cardinals going WR, OTCardinals DT Nkemdiche attempts to harness late breakout gameCardinals DT Robert Nkemdiche heads to IR, needs knee surgeryRobert Nkemdiche to undergo ACL surgery on Thursday“I certainly am not going to be one to hide behind anything, and looking at it now based on the fact that he was a first-round pick and the limited time on the field and production on the field, you would certainly have to question that draft pick,” Cardinals general manager Steve Keim told Doug & Wolf on 98.7 FM Arizona’s Sports Station in December.“I would expect that he’ll heal up fine. Again, he’s got to come back with a chip on his shoulder. If he wants an opportunity to have a long-term career, he has got to do it on the field.”Nkemdiche’s 2019 salary is set with a base of $1.1 million with roster and workout bonuses totaling $500,000. Including his signing bonus, the cap hit is $2.7 million, according to Spotrac.The fifth-year option for NFL players must be picked up a week after the start of the draft, landing the deadline on Thursday, May 3, this year.Arizona will enter training camp with competition for the recovering Nkemdiche. Currently listed as a defensive end, he is joined on the roster by free agent pickup Darius Philon, returnee Cameron Malveaux, and rookies Zach Allen and Michael Dogbe. Tackles Corey Peters and Rodney Gunter also return. Grace expects Greinke trade to have emotional impact
Technology and fashion meet economyEVA called on the Boeing Company’s long-time working partner, Teague, to completely redesign Economy Class on its new 787 Dreamliners. It selected a colour palette that complements shades used in Royal Laurel Class and has created a cabin that is exquisitely elegant.EVA selected ergonomically designed Economy class seats from RECARO, which feature leather headrests that adjust as much as six inches from the top of the seatback to the highest position. It added customised neck supports with functions, allowing passengers the flexibility to adjust the angle in six directions. It also upgraded the IFE with 12-inch HD touchscreen monitors at every seat, giving passengers more comfort and satisfying entertainment needs 30,000 feet in the air.In addition to this first Boeing 787-9, EVA expects to take delivery of three more of this model, followed by its first Boeing 787-10 in the second quarter of next year. EVA plans to be operating a total of 24 Boeing 787 Dreamliners by 2022.EVA estimates that it will launch the new Dreamliner on its maiden flight by the end of October 2018. It will fly the aircraft on its Taipei–Hong Kong route until its second Dreamliner is ready to deploy and it can extend the plane’s services to Japan. EVA will steadily expand Dreamliner service to more routes in its network as it adds more of the aircraft to its fleet. Go back to the enewsletterEVA Air has unveiled a brand-new Business class cabin that will enter service next month when the carrier begins operation using a new Boeing 787-9 Dreamliner aircraft.The Dreamliner is configured with 304 seats across two cabins, featuring 26 Royal Laurel Class Business seats and 278 seats in the Economy class cabin.EVA chose Designworks, a BMW Group company, to synchronise the airline’s international brand image and the Dreamliner’s unique craftsmanship into the design of this latest generation of Royal Laurel Class seats. The design team stepped away from conventional aircraft design and used core concepts of space and brand to create tailor-made business class seats seamlessly integrated into a bespoke cabin environment. The team used mature, muted colours to enhance the feeling of a comfortable, spacious environment.EVA’s new Royal Laurel Class business cabin seats are 23 inches (58.4 cm) wide and recline into flat-bed positions that can stretch out to as much as 76 inches (193 cm) long, enabling passengers to lie down, get comfortable and sleep on long-haul flights.“We wanted EVA’s business class experience to be fresh and memorable for passengers and to make service, design and brand all work together,” said Design Director Johannes Lampela from Designworks’ LA Studio.“Our goal was to take a proven seat platform and make it unique to EVA. From privacy, service, interaction, stowage and amenities, we explored the holistic passenger experience.”EVA created more comfortable personal spaces by equipping its redesigned Royal Laurel Class seats with adjustable privacy panels and generous built-in storage cabinets. The airline upgraded the In-Flight Entertainment (IFE) systems with 18-inch HD touchscreen monitors, the latest noise-cancelling headphones, extra-large fold-out tables for dining or work and auxiliary outlets and USB ports for recharging personal devices or accessing files from Media Player, Photo Viewer and PDF Reader. Go back to the enewsletter